CN104036388A - Combined control type method of processing fund payment - Google Patents
Combined control type method of processing fund payment Download PDFInfo
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- CN104036388A CN104036388A CN201410229156.7A CN201410229156A CN104036388A CN 104036388 A CN104036388 A CN 104036388A CN 201410229156 A CN201410229156 A CN 201410229156A CN 104036388 A CN104036388 A CN 104036388A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
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Abstract
The invention provides a combined control type method of processing fund payment . The method includes the following steps: a) obtaining the total sum of current orders, binding and displaying the multiple kinds of funds available for payment in a payment page; b) setting and displaying a container used for storing the current payment amount of money in the payment page; c) selecting at least one kind of funds into the container, and adjusting the proportion of the payment amount of money of the fund kinds selected into the container in real time, until the combination payment amount of money of all fund kinds in the container is equal to the total sum of the current orders; and d) after confirming payment, dividing the current orders into corresponding sub-orders to pay respectively according to the payment amount of money of each fund kind in the container. The method of processing fund payment in combination manipulation provided by the invention implements arbitrary combinations of different fund kinds and adjusts the payment proportion on line in real time, which greatly simplifies the selecting and adjusting of the payment combination and the proportion of the amount of money to satisfy various combination demands customized by users.
Description
Technical field
The present invention relates to a kind of payment funding method, relate in particular to a kind of combination operated payment funding disposal route.
Background technology
Along with being widely used of ecommerce, the kind that cashier pays the operational means of payment of link gets more and more, such as the quick payment of commonly using at present, remaining sum payment, the precious payment of ready money, borrow money precious payment and prepaid card payment etc.Existing order payment funding substantially all belongs to beats hook choice box, no matter be PC end or mobile terminal, as mobile phone, panel computer, what adopt is all that comparatively traditional list mode is shown different channels to fund, selecting one or more channels to fund just to pay is indicated with radio box+multiselect frame, if use when two channels to fund pay above, user is just easily made dizzy by long channels to fund list, when particularly the inside has mixed the various exhibition method of pure words and word+icon, selecting wherein two or two pays above and seems and have no way of doing it and complicated abnormal.Not only greatly affect user's operating experience, and increased time cost and alternative costs that user selects the means of payment, increased and abandoned the possibility that pays, reduced final payment success ratio.
In addition, because the balance in hand of channels to fund, existing amount, payment are not generally integers, and between different Funding Types, often there is mutual exclusion rule, strengthen especially different Funding Type combined payment difficulty, particularly controlled the degree of difficulty of the combined payment ratio of different Funding Types.Therefore, existing combined payment mode is generally according to user's selecting sequence or pre-setting priority, and the preferential wherein a kind of Funding Type of selecting carries out full-payout, if amount of the fund is inadequate, continue again to select subsequent combination Funding Type to pay, the online adjustment of combined payment is not provided.User, in order to realize the combined payment amount of money of customization, often needs manually order to be divided into several sub-orders, then with different Funding Types, pays respectively.
Summary of the invention
Technical matters to be solved by this invention is to provide a kind of combination operated payment funding disposal route, the combination in any that can realize a plurality of different Funding Types pays, and can to combined payment ratio, carry out real-time online adjustment easily, greatly simplify the selection adjustment of Funding Type and portfolio ratio, meet user's various combine demands.
The present invention solves the problems of the technologies described above the technical scheme adopting to be to provide a kind of combination operated payment funding disposal route, comprises the steps: a) to obtain current total amount of the orders, and is paying a plurality of Funding Types that can be used for payment of page binding demonstration; B) in described payment interface setting demonstration, be used for storing the container of current payment; C) select at least one Funding Type to enter described container, and adjust in real time selecting into the payment ratio of the Funding Type in container, until the combined payment amount of money of all Funding Types is current total amount of the orders in container; D) after confirming to pay, according to the payment of each Funding Type in container, current order is divided into corresponding sub-order and pays respectively.
Above-mentioned combination operated payment funding disposal route, wherein, the Funding Type of described step in a) comprises that quick payment, remaining sum pay, precious precious pay or prepaid card pays that pay, borrow money of ready money, between different Funding Types, according to trading rules, mutex propertiy is set, there is mutex relation in existing Funding Type in the Funding Type of newly choosing and container, and automatic moving is except the existing Funding Type that has mutex relation in container.
Above-mentioned combination operated payment funding disposal route, wherein, described step b) container in is bucket, wallet or cup, in described container, between different Funding Types, is provided with cut-off rule, and the shared area size of different Funding Types and the chosen payment of this Funding Type are proportional.
Above-mentioned combination operated payment funding disposal route, wherein, described step c) by pulling cut-off rule, adjust in real time and show different Funding Types payment separately in described container, and to keep the combined payment number of all Funding Types in container be current total amount of the orders.
Above-mentioned combination operated payment funding disposal route, wherein, can described Funding Type classify by proceeding to produce, and corresponding pulling into is set hauls out sign; Described step c), by responding the releasing operation that pulls between a plurality of Funding Types and container, select Funding Type to enter or remove container.
Above-mentioned combination operated payment funding disposal route, wherein, described container is preset greatest combined threshold value, is elected to while being less than greatest combined threshold value into the number of the Funding Type in container the Funding Type that directly interpolation is newly chosen; Be elected to while reaching greatest combined threshold value into the number of the Funding Type in container, when payment interface continues to select Funding Type that other can be used for paying, by drag operation, replace the Funding Type that container is pulled location into.
Above-mentioned combination operated payment funding disposal route, wherein, described step c) in, adjustment mode is divided into coarse adjustment, fine setting and three kinds of modes of accurate adjustment; Under coarse adjustment mode, by the cut-off rule dragging between different Funding Types, regulate payment; Under fine-tuning mode, first the cut-off rule operating area between different Funding Types is amplified, then by the cut-off rule dragging after amplification, regulate payment; Under delicate control method, with the head of a household, by certain Funding Type of pulling in container, directly input the payment of this Funding Type, and according to the payment size of this Funding Type, the position of cut-off rule is adjusted accordingly.
Above-mentioned combination operated payment funding disposal route wherein, under fine-tuning mode, if total amount of the orders least unit is for dividing, drags by 0.01 yuan of increase and decrease at every turn; If total amount of the orders least unit is angle, drag by 0.1 yuan of increase and decrease at every turn; If total amount of the orders least unit is unit, drag by 1 yuan of increase and decrease at every turn.
Above-mentioned combination operated payment funding disposal route, wherein, in container, the payment amount of certain Funding Type reaches and drags restriction in limited time, when the combined payment number of all Funding Types is less than total amount of the orders in container, shows order difference to be paid and select prompting to meeting the Funding Type of not choosing of difference payment.
Above-mentioned combination operated payment funding disposal route, wherein, each new while adding Funding Type to container, the acquiescence payment amount of described Funding Type is the difference between current all combination numbers of choosing Funding Type in total amount of the orders and container; During each Funding Type of selecting in replacement container, before and after maintenance replacement, the payment amount of Funding Type is constant.
The present invention contrasts prior art following beneficial effect: combination operated payment funding disposal route provided by the invention, by the container at payment interface setting display graphics, as electric cash platform, store current payment; The selection of Funding Type and the combination of payment separately are all selected by patterned control mode and are adjusted in real time, and according to the payment of each Funding Type in container, automatically current order is divided into corresponding sub-order and pays respectively, thereby the combination in any that can realize a plurality of different Funding Types by patterned mode pays, greatly simplify the selection adjustment that pays combination and amount of money ratio, meet single fund instrument payment and user's various combine demands.
Accompanying drawing explanation
Fig. 1 is that the present invention combines operated payment funding treatment scheme schematic diagram;
Fig. 2 is that schematic flow sheet is selected in the multiple different Funding Type combinations of the present invention;
Fig. 3 is that the multiple different Funding Types of the present invention are adjusted combined payment ratio schematic diagram in bucket container.
Embodiment
Below in conjunction with drawings and Examples, the invention will be further described.
Fig. 1 is that the present invention combines operated payment funding treatment scheme schematic diagram.
Refer to Fig. 1, combination operated payment funding disposal route provided by the invention, comprises the steps:
Step S1: obtain current total amount of the orders, and paying a plurality of Funding Types that can be used for payment of page binding demonstration; Described Funding Type comprises that quick payment, remaining sum pay, ready money treasured pays, borrows money precious payment or prepaid card pays etc., between different Funding Types, according to trading rules, mutex propertiy is set, such as the different enumeration type of definition, represent the different modes of payments, as AssetType.YFK, AssetType.BALANCE, AssetType.BANK represents respectively prepaid card, remaining sum and bank card etc.There is mutex relation in existing Funding Type in the Funding Type of newly choosing and container, and automatic moving is except the existing Funding Type that has mutex relation in container.Common mutual exclusion process exemplify as follows: 1), the current selection modes of payments is prepaid card, other modes of payments in bucket is removed by (remaining sum, bank card, ready money treasured etc.); 2), the current selection modes of payments be remaining sum, bank card, ready money precious, borrow money precious one of them, the prepaid card in bucket is removed; If the bank card of selecting is that credit card also needs the treasured of borrowing money to remove; If that selects preciously also needs the credit card in bucket to remove for borrowing money.
Step S2: be used for storing the container of current payment in described payment interface setting demonstration; Described container can be provided with cut-off rule for bucket, wallet or cup etc. between different Funding Types in described container, the shared area size of different Funding Types and the chosen payment of this Funding Type are proportional.Take bucket cashier as example: according to bucket height H (the demonstration height of SurfaceView, unit picture element point) with order total charge M (identical element), the first represented water of unit of account is high, traversal is obtained the payment of current each Funding Type successively, calculates each water high according to the current payment of choosing of each Funding Type.
Step S3: select at least one Funding Type to enter described container, and adjust in real time selecting into the payment ratio of the Funding Type in container, until the combined payment amount of money of all Funding Types is current total amount of the orders in container; Choosing or shift out can be by clicking or pulls realization.Can described Funding Type can classify by proceeding to produce in advance, and corresponding pulling into is set hauls out sign; And then payment interface is by responding the releasing operation that pulls between a plurality of Funding Types and container, selects Funding Type to enter or remove container.For the ease of user's operation, user enters into the cashier page, and system can provide the optimum payment combination of an acquiescence according to the current account fund situation of user, and user only need click confirmation; User also can further adjust in the combination of having given tacit consent to, the ratio situation between various Funding Types.
The predeterminable greatest combined threshold value of container of the present invention, is elected to while being less than greatest combined threshold value into the number of the Funding Type in container the Funding Type that directly interpolation is newly chosen; Be elected to while reaching greatest combined threshold value into the number of the Funding Type in container, when payment interface continues to select Funding Type that other can be used for paying, by drag operation, replace the Funding Type that container is pulled location into.Similarly, by pulling cut-off rule, adjust in real time and show different Funding Types payment separately in described container, and to keep the combined payment number of all Funding Types in container be current total amount of the orders.
The present invention is divided into coarse adjustment, fine setting and three kinds of modes of accurate adjustment to the payment adjustment mode of different Funding Types in container; Under coarse adjustment mode, by the cut-off rule dragging between different Funding Types, regulate payment; Under fine-tuning mode, first the cut-off rule operating area between different Funding Types is amplified, then by the cut-off rule dragging after amplification, regulate payment; Under delicate control method, with the head of a household, by certain Funding Type of pulling in container, directly input the payment of this Funding Type, and according to the payment size of this Funding Type, the position of cut-off rule is adjusted accordingly.
For the accuracy that guarantees to adjust, under fine-tuning mode, if total amount of the orders least unit is for minute (as 12.87 yuan), drag by 0.01 yuan of increase and decrease at every turn; If total amount of the orders least unit is angle (as 12.80 yuan), drag by 0.1 yuan of increase and decrease at every turn; If total amount of the orders least unit is unit's (as 12.00 yuan), drag by 1 yuan of increase and decrease at every turn.Specific implementation mechanism is as follows: to bucket, be that SurfaceView arranges the monitoring event that touches, rewrite onTouch method, for touch event ACTION_DOWN, ACTION_MOVE processes.During down, Funding Type to be adjusted chosen in record, during move, according to displacement, (up slide as increasing, toward lower slider, be minimizing), trigger once, according to fine setting rule, the Funding Type of choosing is done to once increase and decrease operation, the payment and the water that recalculate each fund in bucket high simultaneously, thereby reach real-time adjustment.
Because the graphical integrated levels of cashier such as bucket, wallet or cup are higher, need to frequently redraw, therefore can adopt the SurfaceView providing in android to realize, it is an embedded Surface who is specifically designed to drafting, can directly from hardware interfaces such as internal memory or DMA, obtain view data, be a very important drawing container, and it can be opened up the special thread of playing up and do drawing, compare common View control efficiency higher, thereby it is more smooth that user is operated.
In addition, in container, the payment amount of certain Funding Type reaches and drags restriction in limited time, if Funding Type be bank card the amount of money for infinitely great; When revising payment, can do the judgement of crossing the border to payment, payment can not be greater than the total charge (except bank card) of this Funding Type.For user's experience effect is provided better, when the combined payment number of all Funding Types is less than total amount of the orders in container, can shows order difference to be paid and select prompting to meeting the Funding Type of not choosing of difference payment.
The continuity of adjusting in order to guarantee to combine the amount of money, each new while adding Funding Type to container, the acquiescence payment amount of described Funding Type is the difference between current all combination numbers of choosing Funding Type in total amount of the orders and container; During each Funding Type of selecting in replacement container, before and after maintenance replacement, the payment amount of Funding Type is constant.
Step S4: after confirming to pay, according to the payment of each Funding Type in container, current order is divided into corresponding sub-order and pays respectively.
Fig. 2 is that schematic flow sheet is selected in the multiple different Funding Type combinations of the present invention.
Please continue referring to Fig. 2, whole operating process of the present invention is as follows: user enters into the cashier page, and system can provide the optimum payment combination of an acquiescence according to the current account fund situation of user, and user only need click confirmation.User also can further adjust in the combination of having given tacit consent to, the ratio situation between fund, and adjustment mode is divided into three kinds of coarse adjustment, fine setting and accurate adjustments.Coarse adjustment stirs the cut-off rule place between fund with hand, stirs up and down the ratio between regulating.Finely tune littlely for the less proportion of the amount of money especially, make in the narrow limited situation of operating area, can automatically occur a magnifier effect, after operating area is exaggerated, finger manipulation is just more convenient.Accurate adjustment meets the demand that user directly inputs determined value, with the head of a household, by certain Funding Type of pulling in bucket, directly inputs the page of the amount of money, after the input amount of money, turns back to the bucket cashier page again, completes accurate adjustment.
Combination operated payment funding disposal route provided by the invention, user can also select other Funding Types, self-defined array mode voluntarily.As shown in Figure 3, user can click the other Funding Type display area of bucket, selectable Funding Type can eject, user clicks wherein a kind of, this Funding Type i.e. the selected bucket that enters, or pin and be dragged into bucket, now system can judge between the Funding Type that will add and the Funding Type of having chosen whether have mutex relation, mutex relation means that two kinds of Funding Types can not be used in combination, if there is no mutex relation, the new Funding Type adding can combine with all Funding Types in bucket, and be directly presented in bucket, default value of systemic presupposition is given the new Funding Type adding, user can adjust the amount of money voluntarily, if there is mutex relation, in the new Funding Type adding and bucket, a certain Funding Type can not combine, the two can only get one, now can newly add the Funding Type that Funding Type can automatically replace mutual exclusion, and acquiescence shows that the amount of money is identical with mutual exclusion Funding Type.
In sum, combination operated payment funding disposal route provided by the invention, the principle of equivalent exchange based on original, stores current payment at containers such as patterned bucket, wallet or cups for payment interface as electric cash platform; The selection of Funding Type and the combination of payment separately are all selected by patterned control mode and are adjusted in real time, as with pulling, click, singly refer to the modes of operation such as fluctuation, selection difference disburses funds, realize single kind or the combination of the multiple modes of payments, can intuitively see the ratio of the multiple modes of payments simultaneously and utilize the different ratio of adjusting of stirring.Graphical cashier provided by the invention, being devoted to the immersion interactive operation of What You See Is What You Get experiences, the relation of selected Funding Type and the order amount of money is very clear, when filling up order place container, Funding Type can complete payment, every kind of Funding Type expenditure ratio situation of graphical displaying simultaneously.User can also fluctuate to regulate any one Funding Type proportion by finger, can also directly input the amount of money that numerical value carrys out any one Funding Type of explication simultaneously.Whole operation is simple and clear as game, and is no longer the stacking of abstract word and numeral.From operation, like this drag design and the operating principle that the experience such as slip more meet mobile terminal, take full advantage of the feature of touch-screen, greatly simplify the selection adjustment that pays combination and amount of money ratio, meet single fund instrument payment and user's various combine demands, and be conducive to the application of combined payment.
Although the present invention discloses as above with preferred embodiment; so it is not in order to limit the present invention, any those skilled in the art, without departing from the spirit and scope of the present invention; when doing a little modification and perfect, so protection scope of the present invention is worked as with being as the criterion that claims were defined.
Claims (10)
1. a combination operated payment funding disposal route, is characterized in that, comprises the steps:
A) obtain current total amount of the orders, and paying a plurality of Funding Types that can be used for payment of page binding demonstration;
B) in described payment interface setting demonstration, be used for storing the container of current payment;
C) select at least one Funding Type to enter described container, and adjust in real time selecting into the payment ratio of the Funding Type in container, until the combined payment amount of money of all Funding Types is current total amount of the orders in container;
D) after confirming to pay, according to the payment of each Funding Type in container, current order is divided into corresponding sub-order and pays respectively.
2. combination operated payment funding disposal route as claimed in claim 1, it is characterized in that, the Funding Type of described step in a) comprises that quick payment, remaining sum pay, precious precious pay or prepaid card pays that pay, borrow money of ready money, between different Funding Types, according to trading rules, mutex propertiy is set, there is mutex relation in existing Funding Type in the Funding Type of newly choosing and container, and automatic moving is except the existing Funding Type that has mutex relation in container.
3. combination operated payment funding disposal route as claimed in claim 1, it is characterized in that, described step b) container in is bucket, wallet or cup, in described container, between different Funding Types, be provided with cut-off rule, the shared area size of different Funding Types and the chosen payment of this Funding Type are proportional.
4. combination operated payment funding disposal route as claimed in claim 3, it is characterized in that, described step c) by pulling cut-off rule, adjust in real time and show different Funding Types payment separately in described container, and to keep the combined payment number of all Funding Types in container be current total amount of the orders.
5. combination operated payment funding disposal route as claimed in claim 1, is characterized in that, can described Funding Type classify by proceeding to produce, and corresponding pulling into is set hauls out sign; Described step c), by responding the releasing operation that pulls between a plurality of Funding Types and container, select Funding Type to enter or remove container.
6. combination operated payment funding disposal route as claimed in claim 5, is characterized in that, described container is preset greatest combined threshold value, is elected to while being less than greatest combined threshold value into the number of the Funding Type in container the Funding Type that directly interpolation is newly chosen; Be elected to while reaching greatest combined threshold value into the number of the Funding Type in container, when payment interface continues to select Funding Type that other can be used for paying, by drag operation, replace the Funding Type that container is pulled location into.
7. combination operated payment funding disposal route as claimed in claim 3, is characterized in that described step c) in adjustment mode be divided into coarse adjustment, fine setting and three kinds of modes of accurate adjustment; Under coarse adjustment mode, by the cut-off rule dragging between different Funding Types, regulate payment; Under fine-tuning mode, first the cut-off rule operating area between different Funding Types is amplified, then by the cut-off rule dragging after amplification, regulate payment; Under delicate control method, with the head of a household, by certain Funding Type of pulling in container, directly input the payment of this Funding Type, and according to the payment size of this Funding Type, the position of cut-off rule is adjusted accordingly.
8. combination operated payment funding disposal route as claimed in claim 7, is characterized in that, under fine-tuning mode, if total amount of the orders least unit is for dividing, drags by 0.01 yuan of increase and decrease at every turn; If total amount of the orders least unit is angle, drag by 0.1 yuan of increase and decrease at every turn; If total amount of the orders least unit is unit, drag by 1 yuan of increase and decrease at every turn.
9. combination operated payment funding disposal route as claimed in claim 3, it is characterized in that, in container, the payment amount of certain Funding Type reaches and drags restriction in limited time, when the combined payment number of all Funding Types is less than total amount of the orders in container, shows order difference to be paid and select prompting to meeting the Funding Type of not choosing of difference payment.
10. combination operated payment funding disposal route as claimed in claim 1, it is characterized in that, each new while adding Funding Type to container, the acquiescence payment amount of described Funding Type is the difference between current all combination numbers of choosing Funding Type in total amount of the orders and container; During each Funding Type of selecting in replacement container, before and after maintenance replacement, the payment amount of Funding Type is constant.
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| CN110033550A (en) * | 2017-11-01 | 2019-07-19 | 夏普株式会社 | Multimedia terminal, information processing system, storage medium and control method |
| CN109118235A (en) * | 2018-07-27 | 2019-01-01 | 拉卡拉支付股份有限公司 | Method of payment, device, electronic equipment and storage medium |
| CN112036863A (en) * | 2020-07-31 | 2020-12-04 | 长沙市到家悠享网络科技有限公司 | Payment amount processing method and device, electronic equipment and storage medium |
| CN112333083A (en) * | 2020-10-30 | 2021-02-05 | 平安付科技服务有限公司 | Transaction information processing method and device, computer equipment and computer readable medium |
| CN113222578A (en) * | 2021-05-28 | 2021-08-06 | 支付宝(杭州)信息技术有限公司 | Payment method and device |
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Address after: 518000 Guangdong city of Shenzhen province Futian District Hongli West Road and King Road at the junction of the northwest corner of Luban building, office building 10WN, 10EN Applicant after: Ping An wallet Agel Ecommerce Ltd Address before: No. 316 Laoshan Road, Shanghai, Pudong New Area Applicant before: Safety is paid intellectual technology company limited |
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Effective date of registration: 20200915 Address after: Unit 2605, 26 / F, Zhaobang financial building, 319 Fuhua Road, Futian street, Futian District, Shenzhen City, Guangdong Province Patentee after: Pingan Payment Technology Service Co.,Ltd. Address before: 518000 Guangdong city of Shenzhen province Futian District Hongli West Road and King Road at the junction of the northwest corner of Luban building, office building 10WN, 10EN Patentee before: PING'AN YIQIANBAO E-COMMERCE Co.,Ltd. |
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