CN114548967A

CN114548967A - Electronic payment method, electronic payment device, computer device and storage medium

Info

Publication number: CN114548967A
Application number: CN202111620998.1A
Authority: CN
Inventors: 吴晓烨; 杨珮琦; 黄天骄
Original assignee: Shanghai Suanya Information Technology Co ltd
Current assignee: Shanghai Suanya Information Technology Co ltd
Priority date: 2021-12-27
Filing date: 2021-12-27
Publication date: 2022-05-27

Abstract

The embodiment of the application provides an electronic payment method, an electronic payment device, a computer device and a storage medium, wherein the method comprises the following steps: responding to the payment triggering information, and comparing the balance of the electronic wallet with the current amount to be paid to obtain a comparison result; and in response to the comparison result meeting a preset condition, displaying a combined payment mode of the amount to be paid through the electronic wallet and the bank account on a payment page. The embodiment of the application provides a combined payment mode of multiple electronic payment modes, so that the payment modes are diversified, and the user experience is improved; in addition, the payment proportions of different channels in the combined payment mode can be determined through a flexible determination mechanism, so that the payment requirements of users are met, and the user experience is further improved.

Description

Electronic payment method, electronic payment device, computer device and storage medium

Technical Field

The present application relates to the field of electronic payment technologies, and in particular, to an electronic payment method, an electronic payment device, a computer device, and a storage medium.

Background

In the e-commerce field, shopping, ticket buying and the like all need support of electronic payment.

Common electronic payment methods, such as electronic wallet payment and internet bank payment, are relatively single, and only one payment method can be selected, which is relatively inconvenient.

Inventing messages

In view of the above-mentioned shortcomings of the prior art, the present application aims to provide an electronic payment method, an electronic payment device, a computer device and a storage medium, which can implement a combined payment method of multiple payment methods and solve the current problems.

A first aspect of the present application provides an electronic payment method, including: responding to the payment triggering information, comparing the balance of the electronic purse with the current amount to be paid to obtain a comparison result; and in response to the comparison result meeting a preset condition, displaying a combined payment mode of the to-be-paid amount through the electronic wallet and the bank account on a payment page.

In an embodiment of the first aspect of the present application, the preset conditions include: the balance is not zero and is less than the amount to be paid; alternatively, the balance is not zero.

In an embodiment of the first aspect of the present application, the consolidated payment method includes: and paying the first part of the amount to be paid through the balance of the electronic wallet or part of the balance, and displaying the second part of the payment mode of the bank account on a payment page.

In an embodiment of the first aspect of the present application, the electronic payment method includes: acquiring the payment mode limit of a plurality of amounts to be paid in the sequence to be paid; determining the available part of the electronic wallet and the bank account for each amount to be paid according to the payment mode limit, so as to maximize the number of the amounts to be paid which are paid by the electronic wallet, the bank account or the combined payment mode of the electronic wallet and the bank account; and displaying the available parts of the electronic purse and the bank account for the amount to be paid on each payment page of the amount to be paid.

In an embodiment of the first aspect of the present application, the determining, according to the payment method limit, an available portion of the electronic wallet and the bank account for each amount to be paid so as to maximize the number of the amounts to be paid, which are paid by the electronic wallet, the bank account, or a combination of the electronic wallet and the bank account, includes: for each first type of money to be paid, which is limited in one payment mode in the electronic wallet and the bank account, payment is carried out through the other payment mode which is not limited in the electronic wallet and the bank account; and the amount to be paid of each second type which is not limited to be paid in the electronic wallet and the bank account is paid through the electronic wallet, the bank account or the combination of the electronic wallet and the bank account; in the combined payment, the payment amount of the electronic purse and the bank account is a preset proportion or the balance of the electronic purse is used up preferentially.

In an embodiment of the first aspect of the present application, the electronic payment method includes: responding to the balance of the electronic wallet being zero, and displaying the payment mode of the bank account on a payment page; or, in response to the fact that the balance of the electronic wallet is enough to pay the amount to be paid, displaying the payment mode of the electronic wallet on a payment page.

In an embodiment of the first aspect of the present application, the electronic payment method further includes: when the electronic wallet and the bank account are used for combined payment, the payment verification of the electronic wallet and the bank account is carried out, and when the electronic wallet and the bank account both open the secret-free payment right, the secret-free combined payment is executed.

In an embodiment of the first aspect of the present application, the electronic payment method further includes: providing a switching option of payment modes of the electronic wallet and the bank account in the payment page; and responding to a payment mode switching instruction of the user, and switching to a payment page which correspondingly shows the payment mode of the electronic wallet or the payment mode of the bank account.

A second aspect of the present application provides an electronic payment device comprising: the comparison module is used for responding to the payment action of the user and comparing the balance of the electronic wallet with the current amount to be paid so as to obtain a comparison result; and the payment module is used for selecting the electronic wallet and the bank account to carry out combined payment on the amount to be paid in response to the comparison result meeting a preset condition.

A third aspect of the present application provides a computer apparatus comprising: a communicator, a memory, and a processor; the communicator is used for communicating with the outside; the memory stores program instructions; the processor is for executing the program instructions to perform the electronic payment method of any one of the first aspect.

A fourth aspect of the present application provides a computer readable storage medium storing program instructions that are executed to perform the electronic payment method according to any one of the first aspect.

In summary, embodiments of the present application provide an electronic payment method, an electronic payment device, a computer device, and a storage medium, where the method includes: responding to the payment triggering information, and comparing the balance of the electronic wallet with the current amount to be paid to obtain a comparison result; and in response to the comparison result meeting a preset condition, displaying a combined payment mode of the amount to be paid through the electronic wallet and the bank account on a payment page. The embodiment of the application provides a combined payment mode of multiple electronic payment modes, so that the payment modes are diversified, and the experience of a user is improved; in addition, the payment proportions of different channels in the combined payment mode can be determined through a flexible determination mechanism, so that the payment requirements of users are met, and the user experience is further improved.

Drawings

FIG. 1 shows a schematic diagram of a computer device according to an embodiment of the present application.

Fig. 2 shows a schematic flow chart of an electronic payment method according to an embodiment of the present application.

Fig. 3A shows an interface schematic diagram of a payment page of an e-wallet payment method in an embodiment of the present application.

FIG. 3B shows an interface schematic of a payment page that switches from FIG. 3A to a credit card payment method.

FIG. 3C shows an interface schematic of a payment page for a credit card payment method in an embodiment of the present application.

Fig. 3D shows an interface diagram of a payment page for an electronic wallet and credit card and payment method in an embodiment of the present application.

Fig. 4 shows a logic diagram of an electronic payment method in an embodiment of the present application.

Fig. 5 shows a flowchart of a payment method combination method according to an embodiment of the present application.

Fig. 6 shows a block diagram of an electronic payment device in an embodiment of the present application.

Detailed Description

The following description of the embodiments of the present application is provided by way of specific examples, and other advantages and effects of the present application will be readily apparent to those skilled in the art from the disclosure herein. The present application is capable of other and different embodiments and of being practiced or of being carried out in various ways, and its several details are capable of modification in various respects, all without departing from the spirit and scope of the present application. It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict.

Embodiments of the present application will be described in detail below with reference to the accompanying drawings so that those skilled in the art to which the present application pertains can easily carry out the present application. The present application may be embodied in many different forms and is not limited to the embodiments described herein.

Reference throughout this specification to "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," or the like, means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the present application. Furthermore, the particular features, structures, materials, or characteristics shown may be combined in any suitable manner in any one or more embodiments or examples. Moreover, various embodiments or examples and features of different embodiments or examples presented in this application can be combined and combined by those skilled in the art without contradiction.

Furthermore, the terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or to implicitly indicate the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In the expressions of the present application, "plurality" is inclusive of two or more, unless specifically limited otherwise.

In order to clearly explain the present application, components that are not related to the description are omitted, and the same reference numerals are given to the same or similar components throughout the specification.

Throughout the specification, when a device is referred to as being "connected" to another device, this includes not only the case of being "directly connected" but also the case of being "indirectly connected" with another element interposed therebetween. In addition, when a device "includes" a certain constituent element, unless otherwise specified, it means that the other constituent element is not excluded, but may be included.

Although the terms first, second, etc. may be used herein to describe various elements in some instances, these elements should not be limited by these terms. These terms are only used to distinguish one element from another. For example, the first interface and the second interface are represented. Furthermore, as used herein, the singular forms "a", "an" and "the" are intended to include the plural forms as well, unless the context indicates otherwise. It will be further understood that the terms "comprises," "comprising," "includes" and/or "including," when used in this specification, specify the presence of stated features, steps, operations, elements, modules, items, species, and/or groups, but do not preclude the presence, or addition of one or more other features, steps, operations, elements, modules, items, species, and/or groups thereof. The terms "or" and/or "as used herein are to be construed as inclusive or meaning any one or any combination. Thus, "A, B or C" or "A, B and/or C" means "any of the following: a; b; c; a and B; a and C; b and C; A. b and C ". An exception to this definition will occur only when a combination of elements, functions, steps or operations are inherently mutually exclusive in some way.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application. As used herein, the singular forms "a", "an" and "the" include plural forms as long as the statements are not expressly written to the contrary. The terms "comprises" and/or "comprising," when used in this specification, specify the presence of stated features, regions, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of other features, regions, integers, steps, operations, elements, components, and/or groups thereof.

Terms representing relative spatial terms such as "lower", "upper", and the like may be used to more readily describe one element's relationship to another element as illustrated in the figures. This term is intended to include not only the meaning indicated in the drawings, but also other meanings or operations of the device in use. For example, if the device in the figures is turned over, elements described as "below" other elements would then be oriented "above" the other elements. Thus, the exemplary terms "under" and "beneath" all include above and below. The device may be rotated 90 or other angles and the relative spatial terms are also to be interpreted accordingly.

Although not defined differently, including technical and scientific terms used herein, all terms have the same meaning as commonly understood by one of ordinary skill in the art to which this application belongs. Terms defined in commonly used dictionaries are to be additionally interpreted as having meanings consistent with those of related art documents and currently prompted messages, and should not be excessively interpreted as having ideal or very formulaic meanings unless defined.

Generally, in electronic payment scenes such as shopping and ticket buying, the payment mode is single. For example, the payment method includes an electronic wallet, or a bank account, etc., but the user can only select one to complete the payment of an amount to be paid. Often, the user has enough money to pay the amount to be paid in only one of the payment methods, and the other payment method, even if having a certain balance, cannot be used because it is not enough to pay the amount to be paid. For example, there is some balance in the electronic purse, but not enough to pay the amount to be paid; the user charges the electronic wallet through the bank account to complete the payment or cash the balance of the electronic wallet to the bank account, but taking the bank account as a credit account as an example, the user may not charge the electronic wallet and only can pay the full amount of money to be paid through the electronic wallet cash to the bank account or the bank account, so that the user experience is affected due to the fact that the user is bothered in operation. Further, if the balance in the bank account of the user is not enough to pay the full amount of the amount to be paid, and the sum of the bank account and the balance in the electronic wallet is enough to pay the amount to be paid, the user has to perform the action of cashing or recharging the electronic wallet. In the spring shipping scenario, the user actually has enough money to buy the train/air ticket, but due to the limitation of the payment method, even if the user wins the ticket buying opportunity, the user still needs to use the bank account to recharge the electronic wallet or to cash the electronic wallet to the bank account to complete the ticket buying operation, which increases unnecessary operation and waiting time and affects the experience of the user. Under extreme conditions such as extremely poor network, ticket buying opportunities may be missed due to the fact that users cannot purchase timely due to overtime operation, the travel of the users is affected, and bad user experience is caused.

In view of this, the embodiments of the present application provide an electronic payment method, which solves the above problem by implementing a consolidated payment method. In a possible scenario example, the electronic payment method may be applied to a computer device; the computer device can be implemented in a mobile terminal, a desktop terminal or a fixed terminal. In some embodiments, the mobile terminal includes, but is not limited to, a smart phone, a notebook computer, a mobile digital assistant (PDA), a smart watch, a smart bracelet, and the like. The desktop terminal includes but is not limited to: desktop, etc. The fixed terminal includes but is not limited to: a server; large terminal machines are arranged in public places.

Fig. 1 shows a schematic structural diagram of a computer device according to an embodiment of the present application.

The electronic device 100 illustrated in fig. 1 is only an example and should not bring any limitations to the functionality and scope of use of the embodiments of the present disclosure.

As shown in FIG. 1, electronic device 100 is embodied in the form of a general purpose computing device. The components of the electronic device 100 may include, but are not limited to: the at least one processing unit 110, the at least one memory unit 120, and a bus 130 connecting the various system components (including the memory unit 120 and the processing unit 110).

Wherein the storage unit stores program codes, and the program codes can be executed by the processing unit 110, so that the processing unit 110 executes the steps and sub-steps of the content processing method described in the above embodiments of the present disclosure. For example, the processing unit 110 may perform the steps as shown in fig. 2, 3, 5, etc.

In some embodiments, the storage unit 120 may include a volatile storage unit, such as a random access memory unit (RAM)1201 and/or a cache memory unit 1202, and may further include a read only memory unit (ROM) 1203.

In some embodiments, storage unit 120 may also include a program/utility 1204 having a set (at least one) of program modules 1205, such program modules 1205 including, but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which, or some combination thereof, may comprise an implementation of a network environment.

In some embodiments, bus 130 may include a data bus, an address bus, and a control bus.

In some embodiments, electronic device 100 may also communicate with one or more external devices 110 (e.g., a keyboard, a pointing device, a Bluetooth device, etc.), which may be through an input/output (I/O) interface 150. Optionally, the electronic device 100 further comprises an explicit unit 140 connected to an input/output (I/O) interface 150 for performing an explicit. Also, electronic device 100 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network such as the Internet) via network adapter 160. As shown, the network adapter 160 communicates with other modules of the electronic device 100 over the bus 130. It should be appreciated that although not shown in the figures, other hardware and/or software modules may be used in conjunction with electronic device 100, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, among others.

Fig. 2 is a schematic flow chart showing an electronic payment method in the embodiment of the present application.

In fig. 2, the electronic payment method specifically includes:

step S201: and responding to the payment triggering information, and comparing the balance of the electronic purse with the current amount to be paid to obtain a comparison result.

In some embodiments, the payment triggering information may include information of a user payment action, such as the user clicking a "pay" button on a purchase page, or forming payment triggering information through voice recognition or the like, and then jumping to a payment page for payment by the user.

In some embodiments, the electronic Wallet (Wallet) may contain a balance of digital currency. The digital currency may be hooked up to the actual currency. In a possible example, the electronic wallet may also have a secure encryption means and provide a payment verification function, i.e. a secure verification at the time of payment, to secure the transaction.

The comparison result may include the following several cases. The first is that the balance of the electronic purse is zero; the second is that the balance of the electronic purse is not zero but is less than the amount to be paid; the third is that the balance of the electronic purse is sufficient for the amount to be paid, i.e. an amount greater than or equal to said amount to be paid.

As in the first case, if the balance of the electronic wallet is 0, this indicates that the electronic wallet cannot be used for payment of the current amount to be paid, and payment is required by other payment methods of the user (e.g. bank accounts, including storage card accounts and/or credit card accounts). In the second case, if the balance of the electronic wallet is not enough to pay the whole amount to be paid, the payment can be made by the combined payment method provided in the embodiment of the present application. That is, the preset conditions may include: the balance is not zero and is less than the amount to be paid.

As in the third case, the balance of the e-wallet is sufficient to pay the amount to be paid, in one embodiment the entire payment may be made by the e-wallet balance; alternatively, in another embodiment, payment may be accomplished by a combination of an electronic wallet and a bank account. For example, while the balance in the e-wallet is sufficient to pay the current payment to be paid, part of the e-wallet balance is left for other use, while other part is used with the bank account balance for the consolidated payment.

Therefore, in some embodiments, the preset condition may include a condition that the balance of the electronic wallet is not 0, and include other requirement conditions, such as a condition that the balance of the electronic wallet is greater than the amount to be paid, or a condition that the balance of the electronic wallet available for paying the amount to be paid reaches a certain preset threshold, and the like, without limitation.

Step S202: and in response to the comparison result meeting a preset condition, displaying a combined payment mode of the amount to be paid through the electronic wallet and the bank account on a payment page.

In some embodiments, the payment page may display information about electronic purses, bank accounts, and "consolidated payments" (or other representations, such as "combinandipay"), etc. Optionally, in the payment page, the payment modes may be switched, for example, options for payment selected or unselected for the electronic wallet and the bank account are provided, so that switching between payment modes such as payment by the electronic wallet alone, payment by the bank account alone, payment by the electronic wallet and payment by the bank account in combination can be realized.

To provide a visual understanding of the foregoing principles, a number of illustrative embodiments are described below.

As shown in fig. 3A, an interface schematic diagram of a payment page in the embodiment of the present application is shown. In this illustration, payment by default is shown when the balance of the electronic wallet (illustratively shown as £ 120.00 ", i.e. 120 pounds) is greater than the amount to be paid (illustratively shown as £ 87.00"). The figure shows, by way of example, an electronic wallet "PalWallet" and a credit card "VISA" with a circle on the right that can be manipulated (e.g., clicked) by a user to select or not select. In fig. 3A, the electronic wallet is selected by default, and the user can switch to credit card payment by operation. Then, the process proceeds to the payment by credit card as shown in fig. 3B. In fig. 3B, it is exemplarily shown that the payment verification can be performed for the credit card payment behavior by means of CVV input. Optionally, fig. 3B schematically shows a manner of activating a "Fast Pay" (i.e. quick payment) function of the credit card, that is, if the user selects authorization activation through an operation (e.g. sliding a button in the figure), the user may not need to input a password for payment verification in the future, and the information generated by the authorization completes silent payment verification to quickly complete payment.

Alternatively, as shown in fig. 3C, it is shown that when the balance of the electronic wallet is 0, no payment is made through the electronic wallet, so that the payment method of the electronic wallet is not shown, and payment is made through other payment methods. If only the credit card is bound, the payment mode of the credit card is shown.

Alternatively, as shown in fig. 3D, when the balance of the electronic wallet is not zero and is less than the amount to be paid, which is a preset condition, the combined payment is performed through the electronic wallet and the credit card if the preset condition is met. Accordingly, in the payment page of fig. 3D, the payment portion of the electronic wallet, and the payment portion of the credit card are exemplarily shown. Illustratively, £ 20.00 may be the current balance of the electronic wallet, the amount to be paid is paid through the total balance of the electronic wallet, and then the credit card pays the second part of the amount to be paid minus the balance of the electronic wallet, that is £ 67.00. The identification of the payment button at the bottom of the illustration may be a "Combined Pay" different from "Pay" in the previous illustration, i.e., a Combined payment. When the combined payment is drawn, a payment check may be required for this payment for the electronic wallet and the credit card, e.g. the user enters a password for the electronic wallet and the credit card, respectively; or, if the electronic wallet opens the quick payment and the credit card also opens the quick payment, the user can directly and quickly complete the payment by operating the Combined Pay.

Illustratively, in fig. 3D, the user can also operate the balance of the unselected electronic wallet, and the payment page can jump from fig. 3D to a page in which the whole amount to be paid £ 87.00 is paid only by credit card, and the payment button "combinandpay" changes to "Pay" again, which indicates non-combined payment.

In the above example, the preset conditions for making the combined payment are exemplarily shown to include: the balance of the electronic wallet is greater than zero but less than the amount to be paid. However, in other embodiments, the preset conditions may vary, and payment may be made by way of a consolidated payment even in the case where the balance of the electronic wallet is greater than or equal to the amount to be paid.

In conjunction with the above principle, as shown in fig. 4, a logic diagram of an electronic payment method in one embodiment of the present application is shown.

As shown in the figure, when the payment is triggered (for example, the payment page is to be shown), the comparison result of the balance of the electronic purse and the current amount to be paid is obtained.

If the balance of the electronic wallet is zero, the payment mode of the electronic wallet is not displayed in the payment page, and only the payment mode of a bank account (such as a debit card and a credit card) is displayed; further, payment verification of the bank account can be accessed, such as password input or password-free quick payment.

If the balance of the electronic wallet is larger than zero and smaller than the amount to be paid, displaying a combined payment mode on a payment page; and if the balance of the electronic wallet is greater than or equal to the amount to be paid, displaying the payment mode of the electronic wallet on a payment page, wherein the electronic wallet can pay enough. Further, the payment page can display and switch to a bank account payment mode or an electronic wallet payment mode. The payment verification of the bank account is performed when the bank account is used, and the payment verification of the electronic wallet is performed when the electronic wallet is used, such as inputting a password or password-free quick payment.

And if the balance of the electronic wallet is larger than or equal to the amount to be paid, displaying the payment mode of the electronic wallet on a payment page. Further, payment verification of the electronic wallet may be entered, such as entering a password or a password-free quick payment.

It will be appreciated that in a practical scenario, there is a limit to how the amount to be paid per transaction is paid. For example, there are possible restrictions that payment cannot be paid through an electronic wallet; there are possibilities to limit the payment to savings cards and wallets, but not to credit cards, etc. In consideration of the problem, the payment modes of the electronic wallet and the bank account are matched with each other, so that the selectable payment mode is more flexible and the payment mode has higher precision under the condition of the combined payment mode, and the payment of the amount to be paid can be completed as much as possible.

Fig. 5 is a schematic flow chart showing a payment method combination method according to an embodiment of the present application.

In fig. 5, the process specifically includes:

step S501: and obtaining the payment mode limit of a plurality of amounts to be paid in the sequence to be paid.

In some embodiments, the payment method limit refers to that the amount to be paid supports certain payment methods but not others, for example, electronic wallet payment and savings card payment but not credit card payment.

Step S502: and determining the available part of the electronic wallet and the bank account for each amount to be paid according to the payment mode limit so as to maximize the number of the amounts to be paid which are completed by the payment mode combined by the electronic wallet, the bank account or the electronic wallet and the bank account.

For example, in some embodiments, for a restricted payment method, the payment can be filled in by an unrestricted payment method, so as to maximize the number of strokes of the amount to be paid.

As shown in the table below, assuming that the electronic wallet has a balance of 200, the savings card has a balance of 0, and the credit card has a balance of 300. There are 5 payments to be made for a pen 100, a pen 70, a pen 80, a pen 30, and a pen 30, wherein A, D only supports electronic wallet or savings card payments and not credit card payments, and B, C, E supports electronic wallet and credit card payments.

If the electronic purse balance is exhausted before the credit card is used, the payment result will be as shown in the following table 1:

it can be found that the D pen cannot complete payment for the amount to be paid. However, if this limitation is taken into consideration, the following table can be implemented, in which each amount to be paid that does not support other payment methods (such as credit cards) in the sequence to be paid is covered as much as possible by the electronic wallet, and in the case where there is a remainder after each amount to be paid is covered by the electronic wallet, the electronic wallet is used to make independent or combined payment. In a possible embodiment, it may also be considered that a reserved amount is reserved in the electronic wallet for later possible payment without supporting the credit card, and a preset ratio, such as 1:1,2:1, etc., may be adopted when each amount to be paid is paid, and the ratio may be changed according to actual requirements.

Illustratively, as shown in table 2 below, the amount to be paid in support of both payment methods is combined for payment by the electronic wallet and the credit card in a ratio of 1:1, and may be adjusted in combination with the balance of the different payment methods, such as when C is supported, half 40, but the balance of the electronic wallet is only 35, the electronic wallet pays only 35 and the remaining 45 is paid by the credit card.

Alternatively, the balance of the electronic purse may be exhausted, for example as shown in table 3 below:

therefore, the maximization of the number of the to-be-paid money for completing payment is achieved flexibly through the combined payment method of the electronic wallet, the bank account, the electronic wallet and the bank account by taking overall consideration according to the support limit of a plurality of to-be-paid money, and the user experience is effectively improved.

Step S503: and displaying the available parts of the electronic purse and the bank account for the amount to be paid on each payment page of the amount to be paid.

In some embodiments, referring to table 2 and its corresponding example, the e-wallet payment 100 may be displayed by default in the payment page display corresponding to a to-be-paid amount; in the display of the payment page corresponding to the amount to be paid, the electronic wallet payment 35 is displayed by default, and the credit card: 35; in the payment page display corresponding to the amount to be paid, the electronic wallet payment 35 is displayed by default, and the credit card: 45, a first step of; displaying the electronic wallet payment 30 in the payment page corresponding to the D-stroke amount to be paid by default; in the payment page display corresponding to the E amount to be paid, the credit card payment 30 is displayed by default.

The payment method combination method may be used in combination with the electronic payment method in the previous embodiment. In some embodiments, step S501 may be triggered by the payment triggering information before step S402, step S502 may be supplemented with the preset condition in step S402, and the display result of the payment page in step S503 is used as the final display result of step S402.

It can be understood that when the electronic wallet and the bank account are used for merging payment, the payment verification of the electronic wallet and the bank account is respectively carried out to ensure the safety. And when the electronic wallet and the bank account open the password-free payment authority, executing password-free combined payment, namely, for the user, the payment can be finished silently and safely without inputting a password, thereby improving the user experience.

As illustrated in fig. 3A to 3D, the electronic payment method further includes: providing a switching option of payment modes of the electronic wallet and the bank account in the payment page; and responding to a payment mode switching instruction of the user, and switching to a payment page which correspondingly shows the payment mode of the electronic wallet or the payment mode of the bank account. Namely, the recommended payment modes (such as the combined payment modes) are displayed in the payment page in a default mode and provided for the user to switch the option of the payment modes, so that the user can receive the payment mode considered to be better by the software first and can flexibly change the payment mode according to the requirement of the user, and the user experience is further improved.

As shown in fig. 6, a module schematic diagram of an electronic payment device in the embodiment of the present application is shown. The principle of the electronic payment device is the same as that of the prior electronic payment method, and therefore, the repeated description of the same technical contents is not repeated here.

The electronic payment apparatus 600 includes:

a comparison module 601, configured to compare, in response to a payment action of a user, a balance of the electronic wallet with a current amount to be paid to obtain a comparison result;

and the payment module 602 is configured to select the electronic wallet and the bank account to perform combined payment on the amount to be paid in response to that the comparison result meets a preset condition.

In some embodiments, the preset conditions include: the balance is not zero and is less than the amount to be paid; alternatively, the balance is not zero.

In some embodiments, the consolidated payment method includes: and paying the first part of the amount to be paid through the balance of all or part of the electronic wallet, and displaying the second part of the payment mode of the bank account on a payment page.

In some embodiments, the electronic payment device comprises: the acquisition module is used for acquiring the payment mode limits of a plurality of amounts to be paid in the sequence to be paid; the determining module is used for determining the available part of the electronic wallet and the bank account for each amount to be paid according to the payment mode limit so as to maximize the number of the amounts to be paid which are completed by the payment of the electronic wallet, the bank account or the combined payment mode of the electronic wallet and the bank account; and the display module is used for displaying the available parts of the electronic wallet and the bank account for the amount to be paid on each payment page of the amount to be paid.

In some embodiments, the determining module comprises: the first type payment determining module is used for paying each first type of money to be paid in one payment mode of the electronic wallet and the bank account, wherein the payment mode is limited, through the other payment mode which is not limited in the electronic wallet and the bank account; the second type payment determining module is used for paying the limited amount to be paid of each second type for the electronic wallet and the bank account through the electronic wallet payment, the bank account payment or the combined payment of the electronic wallet and the bank account; in the combined payment, the payment amount of the electronic wallet and the bank account is a preset proportion or the balance of the electronic wallet is used up preferentially.

In some embodiments, the electronic payment device comprises: the first payment mode display module is used for displaying the payment mode of the bank account on a payment page in response to the fact that the balance of the electronic wallet is zero; or the second payment mode display module is used for responding to the condition that the balance of the electronic wallet is enough to pay the amount to be paid, and displaying the payment mode of the electronic wallet on a payment page.

In some embodiments, the electronic payment device further comprises: and the payment checking module is used for carrying out payment checking on the electronic wallet and the bank account when the electronic wallet and the bank account are used for combined payment, and executing combined payment without secret when the electronic wallet and the bank account open the secret-free payment right.

In some embodiments, the electronic payment device further comprises: the switching option module is used for providing switching options of payment modes of the electronic wallet and the bank account in the payment page; and the payment switching module is used for responding to a payment mode switching instruction of the user and switching to a payment page which correspondingly displays the payment mode of the electronic wallet or the payment mode of the bank account.

It should be noted that, in the embodiment of fig. 6, all or part of the functional modules may be implemented by software, hardware, firmware or any combination thereof. When implemented in software, may be implemented in whole or in part in the form of program instruction products. The program instruction product includes one or more program instructions. The processes or functions according to the present application occur in whole or in part when program instruction instructions are loaded and executed on a computer. The computer may be a general purpose computer, a special purpose computer, a network of computers, or other programmable device. The program instructions may be stored in a computer readable storage medium or transmitted from one computer readable storage medium to another computer readable storage medium.

Moreover, the apparatus disclosed in the embodiment of fig. 6 can be implemented by other module division methods. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the modules described is merely a logical division, and in actual implementation, there may be other divisions, for example, multiple modules or modules may be combined or may be dynamic to another system, or some features may be omitted, or not implemented. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be through some interfaces, indirect coupling or communication connection of devices or modules, and may be in an electrical or other form.

In addition, each functional module and each sub-module in the embodiment in fig. 6 may be dynamically in one processing unit, or each module may exist alone physically, or two or more modules may be dynamically in one unit. The dynamic component can be realized in a form of hardware or a form of a software functional module. The dynamic components described above, if implemented in the form of software functional modules and sold or used as a stand-alone product, may also be stored in a computer readable storage medium. The storage medium may be a read-only memory, a magnetic or optical disk, or the like.

A computer-readable storage medium may also be provided in the embodiments of the present application, and store program instructions that, when executed, perform the flow steps in the previous method embodiments (e.g., fig. 2, fig. 5, etc.).

The method steps in the above embodiments are implemented as software or computer code storable in a recording medium such as a CD ROM, a RAM, a floppy disk, a hard disk, or a magneto-optical disk, or as computer code originally stored in a remote recording medium or a non-transitory machine-readable medium downloaded through a network and to be stored in a local recording medium, so that the method represented herein can be processed by such software stored on a recording medium using a general-purpose computer, a dedicated processor, or programmable or dedicated hardware such as an ASIC or FPGA.

It should be noted that the flow or method representations of the flow diagrams of the above-described embodiments of the present application may be understood as representing modules, segments or portions of code which include one or more executable instructions for implementing specific logical functions or steps of the process. And the scope of the preferred embodiments of the present application includes other implementations in which functions may be performed out of the order shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved.

For example, the order of the steps in the embodiments of fig. 2 and 5 may be changed in a specific scenario, and is not limited to the above representation.

In summary, embodiments of the present application provide an electronic payment method, an electronic payment device, a computer device, and a storage medium, where the method includes: responding to the payment triggering information, and comparing the balance of the electronic purse with the current amount to be paid to obtain a comparison result; and in response to the comparison result meeting a preset condition, displaying a combined payment mode of the amount to be paid through the electronic wallet and the bank account on a payment page. The embodiment of the application provides a combined payment mode of multiple electronic payment modes, so that the payment modes are diversified, and the experience of a user is improved; in addition, the payment proportions of different channels in the combined payment mode can be determined through a flexible determination mechanism, so that the payment requirements of users are met, and the user experience is further improved.

The above embodiments are merely illustrative of the principles and utilities of the present application and are not intended to limit the application. Any person skilled in the art can modify or change the above-described embodiments without departing from the spirit and scope of the present application. Accordingly, it is intended that all equivalent modifications or changes which can be made by those skilled in the art without departing from the spirit and technical concepts disclosed in the present application shall be covered by the claims of the present application.

Claims

1. An electronic payment method, comprising:

responding to the payment triggering information, and comparing the balance of the electronic wallet with the current amount to be paid to obtain a comparison result;

and in response to the comparison result meeting a preset condition, displaying a combined payment mode of the amount to be paid through the electronic wallet and the bank account on a payment page.

2. The electronic payment method of claim 1 wherein the preset conditions include:

the balance is not zero and is less than the amount to be paid; alternatively, the first and second electrodes may be,

the balance is not zero.

3. The electronic payment method of claim 2 wherein said consolidated payment means comprises: and paying the first part of the amount to be paid through the balance of the electronic wallet or part of the balance, and displaying the second part of the payment mode of the bank account on a payment page.

4. The electronic payment method of claim 1, comprising:

acquiring the payment mode limit of a plurality of amounts to be paid in the sequence to be paid;

determining the available part of the electronic wallet and the bank account for each amount to be paid according to the payment mode limit so as to maximize the number of the amounts to be paid which are completely paid by the electronic wallet, the bank account or the combined payment mode of the electronic wallet and the bank account;

and displaying the available parts of the electronic purse and the bank account for the amount to be paid on each payment page of the amount to be paid.

5. The electronic payment method of claim 4, wherein said determining the available portion of the electronic wallet and the bank account for each amount to be paid according to the payment method limit to maximize the number of the amount to be paid which is completed by the payment method of the electronic wallet, the bank account or the combination of the electronic wallet and the bank account comprises:

for each first type of money to be paid, which is limited in one payment mode in the electronic wallet and the bank account, payment is carried out through the other payment mode which is not limited in the electronic wallet and the bank account; and

for each second type of money to be paid, which is not limited by payment of the electronic wallet and the bank account, the payment is carried out through the electronic wallet, the bank account or the combined payment of the electronic wallet and the bank account; in the combined payment, the payment amount of the electronic purse and the bank account is in a preset proportion or the balance of the electronic purse is used up preferentially.

6. The electronic payment method of claim 2 wherein in response to the balance of the electronic wallet being zero, the payment method of the bank account is presented on a payment page; or, in response to the fact that the balance of the electronic wallet is enough to pay the amount to be paid, displaying the payment mode of the electronic wallet on a payment page.

7. The electronic payment method of claim 1, further comprising:

when the electronic wallet and the bank account are used for combined payment, the payment verification of the electronic wallet and the bank account is carried out, and when the electronic wallet and the bank account both open the secret-free payment right, the secret-free combined payment is executed.

8. The electronic payment method of claim 1, further comprising:

providing a switching option of payment modes of the electronic wallet and the bank account in the payment page; and responding to a payment mode switching instruction of the user, and switching to a payment page which correspondingly displays the payment mode of the electronic wallet or the payment mode of the bank account.

9. An electronic payment device, comprising:

the comparison module is used for responding to the payment action of the user and comparing the balance of the electronic wallet with the current amount to be paid so as to obtain a comparison result;

and the payment module is used for selecting the electronic wallet and the bank account to carry out combined payment on the amount to be paid in response to the comparison result meeting a preset condition.

10. A computer device, comprising: a communicator, a memory, and a processor; the communicator is used for communicating with the outside; the memory stores program instructions; the processor is configured to execute the program instructions to perform the electronic payment method of any one of claims 1 to 8.

11. A computer-readable storage medium having stored thereon program instructions that are operative to perform the electronic payment method of any one of claims 1 to 8.