CN104299129A - Payment behavior processing method and device and server - Google Patents

Payment behavior processing method and device and server Download PDF

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Publication number
CN104299129A
CN104299129A CN 201410509431 CN201410509431A CN104299129A CN 104299129 A CN104299129 A CN 104299129A CN 201410509431 CN201410509431 CN 201410509431 CN 201410509431 A CN201410509431 A CN 201410509431A CN 104299129 A CN104299129 A CN 104299129A
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payment
behavior
user
modes
processing
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CN 201410509431
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Chinese (zh)
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陈曦
姜思淼
廖志鹏
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北京奇虎科技有限公司
奇智软件(北京)有限公司
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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/12Payment architectures specially adapted for electronic shopping systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/387Payment using discounts or coupons

Abstract

The invention relates to a payment behavior processing method and device and a server. The payment behavior processing method and device and the server mainly aim to reduce the possibility of the abnormal condition when a user conducts payment in various payment modes. The payment behavior processing method comprises the steps that a user payment behavior request sent by a terminal is received, and the user payment behavior request indicates the payment amount of a user, wherein the payment amount comprises the amounts of various payment modes; a payment bill is generated, and the modes of payment and the payment amount of each mode are written in the payment bill; according to the payment bill, the amounts of the corresponding payment modes of the account of the user are reduced, and then the payment behavior is completed.

Description

支付行为处理方法、装置和服务器 Payment behavior treatment methods, devices, and servers

技术领域 FIELD

[0001] 本发明涉及电子技术领域,具体而言,涉及一种支付行为处理方法、装置和服务器。 [0001] The present invention relates to electronic technologies, and particularly, to a method of processing payment behavior, and a server apparatus.

背景技术 Background technique

[0002]目前,购物平台为了鼓励用户的购物行为,通常会根据用户已支付的数额来为用户发放一定的积分,在用户的购物过程中用户使用积分可以抵消用于待支付的一部分数额。 [0002] Currently, the shopping platform in order to encourage the user's shopping behavior, usually to issue a certain amount of points for the user based on the user paid, in the user's shopping process, users can use the points to offset a portion of the amount to be paid for.

[0003] 现有的使用积分抵消支付数额的过程,示例如下: [0003] The use of existing points to offset the amount of the payment process, the following example:

[0004] 用户购买一件价格为1000元的衣服,则购物平台生成相应的支付单据,订单中记录了该1000元的数额;用户的账户具有60积分,根据购物平台的规定,60积分可兑换为60元;由于支付单据为进行支付的唯一依据,表示需要进行支付的数额为1000元,这就需要: [0004] user a price of 1,000 yuan to buy the clothes, the shopping platform to generate the corresponding payment documents, orders recorded in the amount of $ 1000; the user's account has 60 points, in accordance with the provisions of the shopping platform, 60 points can be redeemed $ 60; Since the only basis for the payment of payment documents, indicates that the amount needed to pay 1,000 yuan, which requires:

[0005] I)购物平台扣除用户的60积分;2)购物平台为用户的支付单据支付60元;3)用户继续支付剩余940元,以满足支付单据的要求。 [0005] I) deducted from the user's shopping platform 60 points; 2) shopping platform for users to pay bill paying 60 yuan; 3) the user continues to pay the remaining 940 yuan, in order to meet the requirements of the payment document.

[0006] 由以上I)和2)过程可见,用户的积分实际上是经过购物平台转换为相应数额的人民币进行了支付:当购物平台无法准确地根据用户的积分,代替用户支付相应数额的人民币时,就会导致无法满足支付单据的要求,造成用户无法使用积分进行购物了。 [0006] From the above I) and 2) process, the user points after shopping platform is actually converted into RMB payment corresponding amount: When shopping platform not accurately according to the user's points, instead of the corresponding amount of user pay RMB when, unable to meet the requirements will lead to the payment document, causing the user can not use the points were shopping. 而且如上的包含积分的支付行为处理方式比较单一,无法对包含订单的支付行为进行更有效更灵活的处理。 And as the payment behavior of the integral approach includes relatively simple, it can not be more efficient and more flexible handling of payment behavior included orders.

发明内容 SUMMARY

[0007] 鉴于上述问题,提出了本发明以便提供一种克服上述问题或者至少部分地解决上述问题的支付行为处理方法、装置和服务器。 [0007] In view of the above problems, the present invention is proposed in order to overcome the above problems or to provide an at least partially solve the above problems payment behavior processing method, and a server apparatus.

[0008] 依据本发明的一个方面,提供了一种支付行为处理方法,其包括:接收终端发送的用户进行支付行为的请求,所述请求指示所述用户的支付数额,所述支付数额包含多种支付类型的数额;生成支付单据,并在所述支付单据中写入支付数额的类型以及每种支付类型的数额;按所述支付单据,将所述用户账户中对应支付类型的数额进行减少,以完成支付行为。 [0008] According to an aspect of the present invention, there is provided a payment behavior processing method comprising: receiving user terminal transmits a request to the payment behavior, indicating the amount of payment request of the user, comprising a plurality of the payment amount the amount of payment type species; generates a payment receipt, the type and amount of payment is written and the amount of each type of payment in the payment documents; documents by the payment amount, payment type corresponding to the user account will be reduced to complete payment behavior.

[0009] 依据本发明的一个方面,提供了一种支付行为处理装置,其包括:请求接收模块,用于接收终端发送的用户进行支付行为的请求,所述请求指示所述用户的支付数额,所述支付数额包含多种支付类型的数额;支付单据生成模块,用于生成支付单据,并在所述支付单据中写入支付数额的类型以及每种支付类型的数额;支付模块,用于按所述支付单据,将所述用户账户中对应支付类型的数额进行减少,以完成支付行为。 [0009] According to one aspect of the present invention, there is provided an apparatus for processing payment behavior, comprising: a request receiving module, for receiving the user terminal sends a request to pay behavior, indicating the amount of payment request of the user, the payment amount which comprises a plurality of types of payment; payment document generation module for generating payment documents, and write the type and the amount of payment for each payment amount in the payment type in the document; payment module, for the press the payment documents, payment amount corresponding to the type of the user account be reduced, in order to complete the payment behavior.

[0010] 依据本发明的一个方面,提供了一种服务器,其包括:根据前述的支付行为处理装置。 [0010] According to an aspect of the present invention, there is provided a server comprising: a processing apparatus according to the aforementioned payment behavior.

[0011] 本发明的支付行为处理方法、装置和服务器,至少具有以下优点: [0011] payment behavior processing method of the present invention, apparatus and a server, at least the following advantages:

[0012] 支付单据是进行支付行为的依据,与现有技术不同,本发明中的支付单据中可记录多种类型的数额,所以根据支付单据可以减少用户账户中相应多种类型的数额,从而完成支付行为;而现有技术中的支付单据仅记录了一种类型的数额,需要使用其他类型的数额进行支付时必须依赖购物平台等将其他类型的数额转换为支付单据中记录的一类型的数额,如果这个过程中出现了问题,就会造成用户无法进行支付;本实施例的技术方案中不存在转换支付数额进行支付的情况,所以可以有效保证用户使用多种类型的数额顺利进行支付。 [0012] payment documents is based on the payment behavior, unlike the prior art, the present invention can be recorded in the amount of payment documents of many types, the document may be reduced according to the payment account corresponding to the user the amount of a plurality of types, thereby complete the payment behavior; paid prior art documents only records the amount of one type, the amount required to use other types of conduct must depend shopping platform to convert the amount of other types of documents as a type of payment recorded when paid the amount, if there is a problem in the process, it will cause the user can not pay; there is no circumstances pay for a conversion amount for payment of the technical solution of the present embodiment, it is possible to effectively guarantee the user the amount of various types of smooth payment.

[0013] 上述说明仅是本发明技术方案的概述,为了能够更清楚了解本发明的技术手段,而可依照说明书的内容予以实施,并且为了让本发明的上述和其它目的、特征和优点能够更明显易懂,以下特举本发明的具体实施方式。 [0013] The above description is only an overview of the technical solution of the present invention, in order to more fully understood from the present invention, but may be implemented in accordance with the contents of the specification, and in order to make the aforementioned and other objects, features and advantages of the present invention can be more apparent from the following specific embodiments cite Patent of the present invention.

附图说明 BRIEF DESCRIPTION

[0014] 通过阅读下文优选实施方式的详细描述,各种其他的优点和益处对于本领域普通技术人员将变得清楚明了。 [0014] By reading the following detailed description of preferred embodiments Hereinafter, a variety of other advantages and benefits to those of ordinary skill in the art will become apparent. 附图仅用于示出优选实施方式的目的,而并不认为是对本发明的限制。 The drawings are only for purposes of illustrating a preferred embodiment and are not to be considered limiting of the present invention. 而且在整个附图中,用相同的参考符号表示相同的部件。 But throughout the drawings, like parts with the same reference symbols. 在附图中: In the drawings:

[0015] 图1示出了根据本发明的一个实施例的支付行为处理方法的流程图; [0015] FIG. 1 shows a flowchart of the processing method according to an embodiment of a payment process of the present invention;

[0016] 图2示出了根据本发明的一个实施例的支付行为处理方法的流程图; [0016] FIG. 2 shows a flowchart of the processing method according to an embodiment of a payment process of the present invention;

[0017] 图3示出了根据本发明的一个实施例的支付行为处理方法的流程图; [0017] FIG. 3 shows a flowchart of a process according to the payment method for the behavior of one embodiment of the present invention;

[0018] 图4示出了根据本发明的一个实施例的支付行为处理方法的流程图; [0018] FIG. 4 shows a flowchart of a process according to the payment method for the behavior of one embodiment of the present invention;

[0019] 图5示出了根据本发明的一个实施例的支付行为处理方法的流程图; [0019] FIG. 5 shows a flowchart of the processing method according to an embodiment of a payment process of the present invention;

[0020] 图6示出了根据本发明的一个实施例的支付行为处理装置的框图; [0020] FIG. 6 shows a block diagram of a processing apparatus according to an embodiment of the payment behavior of the present invention;

[0021] 图7示出了根据本发明的一个实施例的支付行为处理装置的框图; [0021] FIG. 7 shows a block diagram of a processing apparatus according to an embodiment of the payment behavior of the present invention;

[0022] 图8示出了根据本发明的一个实施例的支付行为处理装置的框图; [0022] FIG. 8 shows a block diagram of a processing apparatus according to an embodiment of the payment behavior of the present invention;

[0023] 图9示出了根据本发明的一个实施例的支付行为处理装置的框图; [0023] FIG. 9 shows a block diagram of a processing apparatus according to an embodiment of the payment behavior of the present invention;

[0024] 图10示出了根据本发明的一个实施例的支付行为处理装置的框图; [0024] FIG. 10 shows a block diagram of a processing apparatus according to an embodiment of the payment behavior of the present invention;

[0025] 图11示出了根据本发明的一个实施例的服务器的框图。 [0025] FIG. 11 shows a block diagram of a server according to one embodiment of the present invention.

具体实施方式 detailed description

[0026] 下面将参照附图更详细地描述本公开的示例性实施例。 [0026] The following exemplary embodiments of the present disclosure will be described in more detail with reference to the drawings. 虽然附图中显示了本公开的示例性实施例,然而应当理解,可以以各种形式实现本公开而不应被这里阐述的实施例所限制。 While the exemplary embodiment shows an exemplary embodiment of the present disclosure in the drawings, it should be understood that the present disclosure may be implemented embodiments and should not be set forth herein to limit in various forms. 相反,提供这些实施例是为了能够更透彻地理解本公开,并且能够将本公开的范围完整的传达给本领域的技术人员。 Rather, these embodiments are able to more thorough understanding of the present disclosure, and the scope of the present disclosure can be completely conveying to those skilled in the art.

[0027] 如图1所示,本发明的一个实施例中提供了一种支付行为处理方法,其包括: [0027] As shown in FIG. 1, one embodiment of the present invention provides for a method of payment processing behavior, comprising:

[0028] 步骤110,接收终端发送的用户进行支付行为的请求,请求指示用户的支付数额,支付数额包含多种支付类型的数额。 [0028] Step 110, the user terminal receives the payment request sent by the behavior, indicating the user requested payment amount, the payment amount is an amount of various types of payment. 在本实施例中,支付数额的类型包括但不限于目前各种通用的币种(例如,人民币)和特定平台上可用的资源(例如,积分)。 In the present embodiment, the amount of payment types include but are not limited to various general-purpose current currency (e.g., RMB) available on a specific platform and resources (e.g., integration). 本实施例中,对终端的类型不进行限制,其包括但不限于用户持有的手机、计算机等。 In this embodiment, the terminal type is not limited, including, but not limited to, the user holds the mobile phone, computer or the like.

[0029] 步骤120,生成支付单据,并在支付单据中写入支付数额的类型以及每种支付类型的数额。 [0029] Step 120, generates a payment document type, and writes the amount paid in and the amount paid for each invoice payment type. 在本实施例中,生成的支付单据可记录多种类型的数额,这与现有技术不同,现有技术中只记录一种类型的数额。 In the present embodiment, the document may be generated payment amount plurality of types of recording, unlike the prior art, the prior art only one type of record amount.

[0030] 步骤130,按支付单据,将用户账户中对应支付类型的数额进行减少,以完成支付行为。 [0030] Step 130, according to the payment documents, the user's account for the amount paid corresponds to the type of reduction, to complete the payment behavior. 在本实施例中,假如支付单据中记录了10元和10积分,则用户从账户中支付10元和10积分即可完成积分,相比于现有的技术方案,不需要购物平台将10积分转换为10元,避免了在这个过程出现错误而造成用户无法正常支付的问题。 In the present embodiment, if the payment is recorded in the documents 10 and ten points from the user account to pay $ 10 and $ 10 to complete integration points, as compared to prior art solutions, the integrator 10 will not require internet shopping converted to 10 yuan, avoiding the problem of errors in the process and causing the user unable to pay normal.

[0031] 在本实施例的技术方案中,支付单据作为进行支付行为的依据,所以根据其中记录的多种类型的数额,可以减少用户账户中相应多种类型的数额,从而完成支付行为;而现有技术中的支付单据仅记录了一种类型的数额,需要使用其他类型的数额进行支付时必须依赖购物平台等将其他类型的数额转换为支付单据中记录的一类型的数额,如果这个过程中出现了问题,就会造成用户无法进行支付;本实施例的技术方案中不存在转换支付数额进行支付的情况,所以可以有效保证用户使用多种类型的数额顺利进行支付。 [0031] With the present embodiment, the document as a basis for payment of the payment behavior, so depending on the amount in which a plurality of types of records, can reduce the amount of the respective plurality of types of user accounts, thereby completing the payment behavior; and payment documents of the prior art only records the amount of one type, the amount required to use other types of conduct must depend shopping platform when converting the amount paid for the amount of other types of documents in the record of a type of payment, if the process in there is a problem, it will cause the user can not pay; converting the payment amount to make payments situation there is no technical solution of the present embodiment, it is possible to effectively guarantee the user the amount of various types of smooth payment.

[0032] 如图2所示,本发明的另一个实施例中提供了一种支付行为处理方法,多种支付类型包括第一支付类型和第二支付类型,在步骤110之前,还包括: [0032] As shown in FIG. 2, there is provided a method of processing the payment behavior of another embodiment of the present invention embodiment, multiple payment types include a first type and a second payment payment type, prior to step 110, further comprising:

[0033] 步骤101,接收终端发送的用户待支付的第一支付类型的第一数额。 [0033] Step 101, a first amount of a first type of payment sent by a terminal user to be paid. 在本实施例中,例如,设第一支付类型为积分,如果用户的账户中具有一定的积分可用于购物,则用户打算使用10积分,该10积分即为第一数额。 In the present embodiment, for example, the integral type is provided first payment, if the user's account may be used for integration with a certain shopping, the user intends to use the integral 10, the integrator 10 is the first amount.

[0034] 步骤102,获取支付项目的多种支付类型的额定支付数额,根据支付项目的额定支付数额、预设的多种支付类型相关的转换关系以及第一数额,计算出用户待支付的第二支付类型的第二数额。 [0034] Step 102, the nominal amount acquiring multiple payment types based payment programs, rated according to the amount paid payment items, multiple payment types predetermined conversion relationship, and a first correlation of the amount, calculates a first user to be paid the second level of two types of payment. 在本实施例中,例如,设第二支付类型为人民币,某件商品全部使用人民币支付的话需30元,则其额定支付数额为:0积分+30人民币,此时转换关系中记录了人民币和积分之间是I比I的关系,则可以确定用户还需支付的人民币为20元,即第二数额为20元。 In the present embodiment, for example, a second set of RMB payment type, an item using all the words need RMB payment $ 30, then the amount paid is rated: 0 Points +30 RMB, the conversion relationship at this time is recorded and RMB I was among the integral relationship than I, it can determine the user needs to pay RMB 20 yuan, that second amount is 20 yuan. 特别地,在计算得到的第二数额为负值时,则通知终端发送新的第一数额。 In particular, when the second amount calculated is negative, it notifies the terminal transmits a new first amount.

[0035] 步骤103,将第二数额发送给终端。 [0035] Step 103, the second amount to the terminal.

[0036] 在本实施例的技术方案中,在用户确定打算支付的一个或多个支付类型的数额后,可以自动为用户计算出还需支付的其他支付类型的数额,并返回给用户从而对用户进行提示,省去了用户自行计算多种所需支付的数额的麻烦,有效地提升了用户体验。 After [0036] The technical solution in the present embodiment, when the user intends to pay the determined amount of the one or more payment types, the user can automatically calculate the amount of other types of payment need to pay, and returned to the user thereby the user is prompted, eliminating the need for multiple user computing the amount required to pay their own trouble, effectively enhance the user experience.

[0037] 在本发明的一个实施例中还提供了一种支付行为处理方法,在步骤102之前,还包括: [0037] In one embodiment of the present invention further provides a method of processing a payment process, prior to step 102, further comprising:

[0038] 判断所述支付项目的第一支付类型的额定支付数额,是否小于或等于第一数额。 Nominal amount paid first payment type [0038] Analyzing the payment program, the first amount is less than or equal to. 在本实施例中,例如,设第一支付类型为积分,第二支付类型为人民币,某件商品的额定支付数额为:10积分+10元,此时判断用户打算支付的积分是否高于10积分,如用户仅打算支付5积分,即第一数额为5积分低于额定的10积分,则可不允许用户购买该商品。 In the present embodiment, for example, payment type is provided a first integrator, a second RMB payment type, amount paid for a nominal product was: +10 10 integral, at this time determines whether the user intends to pay the integrator 10 is higher than the integration, such as the user intends to pay only 5 points, that is, the amount of the first 5 points lower than the rated 10 points, you can not allow the user to purchase the goods. 因为用户可支付的积分多少通常表示用户与商家之间支付行为的多少,所以本实施例有利于控制某些商品仅限于过往支付较多的用户购买。 Because the user can pay usually means how much how many points the payment behavior between the user and the business, so this embodiment facilitates control of certain commodities is limited to the past to pay more users to buy.

[0039] 在判断结果为是时,进入步骤102。 [0039] In the determination result is YES, the routine proceeds to step 102. 在本实施例中,如用户打算支付的积分为15积分,即第一数额为15积分大于额定的10积分,此时根据人民币和积分之间是I比I的关系,可计算15积分需全部使用,用户还需支付的人民币为5元。 In the present embodiment, as the user intends to pay the integral points 15, i.e. the amount of the first integrator 15 is greater than the rated integrator 10, this time in accordance with the relationship between the I and the integral ratio I of the RMB, the integral may be calculated for an entire 15 use, the user needs to pay RMB 5 million. 可见在用户打算支付的积分高于额定积分的情况下,用户的部分积分起到了人民币的作用,从而有利于促进用户积分的消费,以及控制用户对人民币的使用。 Visible if the user intends to pay points higher than the nominal integral, integral part of the user played a role in the RMB, thus contributing to the promotion of consumer credit users, and users control the use of the yuan.

[0040] 如图3所示,本发明的另一个实施例中提供了一种支付行为处理方法,其中,多种支付类型包括第一支付类型和第二支付类型,在步骤110之前,还包括: [0040] As shown in FIG. 3, another embodiment of the present invention provides a method for processing a payment process, wherein multiple payment types include a first type and a second payment payment type, prior to step 110, further comprising :

[0041] 步骤104,获取用户账户中的第一支付类型的数额作为第三数额。 [0041] Step 104, acquiring a first amount of user accounts as of a third type of payment amount. 在本实施例中,例如,设第一支付类型为积分,如果用户的账户中具有20积分可用于购物,则第三数额为20积分。 In the present embodiment, for example, the integral type is provided first payment, if the user's account with the integrator 20 can be used for shopping, the third in the amount of 20 points. 由于积分只限于在对应电商平台使用,重要性远低于人民币,最好尽早消费,所以需要尽可能地使用积分进行支付。 Since the integration is limited to use in the corresponding electronic business platform, far below the importance of the yuan, the best consumer as soon as possible, it is necessary to use the points to make payments as much as possible.

[0042] 步骤105,获取支付项目的多种支付类型的额定支付数额,根据支付项目的额定支付数额、预设的多种支付类型相关的转换关系以及第三数额,计算出用户待支付的第一支付类型的第四数额,以及第二支付类型的第五数额,其中,第四数额=第三数额且第五数额^ 0,或第五数额=O且O <第四数额<第三数额。 [0042] Step 105, multiple payment types nominal amount paid payment item acquired, in accordance with the rated amount based payment programs, multiple payment types predetermined conversion relationship, and a third related amount calculated by the first user to be paid the amount of a payment type fourth, a fifth and a second amount of payment type, wherein the third amount and the fourth amount = 0 ^ V amount, or the amount of the fifth and O = O <fourth amount <third amount . 在本实施例中,例如,设第二支付类型为人民币,如果某件商品全部使用人民币支付的话需30元,则其额定支付数额为O积分+30人民币,而转换关系中记录了人民币和积分之间是I比I的关系,此时假设用户的账户中具有10积分,即第三数额为10积分,则该10分全部用于支付,同时用户还需支付20元人民币,即第四数额为10积分且第五数额为20元,由于需要尽可能消费积分,所以10积分全部用于支付,第四数额与第三数额相同;而假设用户的账户具有60积分,即第三数额为60积分,则从用户账户中取出30积分用于支付,此时用户不需要支付人民币,即第四数额为30积分而第五数额为O元,因为用户的积分很多,所以部分积分就可以满足支付需求。 In the present embodiment, for example, a second set of RMB payment type, if the product is used, then all 30 yuan RMB payment is required, then the amount paid is rated O integral +30 yuan, and the conversion relationship in the recording and integration RMB I is the ratio between the relationship of I, assume that the user's account at this time has 10 points, i.e., the amount of the third integrator 10, 10. all the cover, while the user is required to pay 20 yuan, i.e., the amount of the fourth 10 points and fifth in the amount of $ 20, due to the need bonus points as possible, so all 10 points for the payment, the amount of the fourth and third level of the same; and assume that the user's account has 60 points, the third in the amount of 60 integration, from the user account used to pay out 30 points, then the user does not need to pay RMB, the fourth in the amount of 30 points and fifth in the amount of O yuan, because many users points, so part of the integration to meet the payment demand.

[0043] 步骤106,将第四数额和第五数额发送给终端。 [0043] Step 106, the amount of the fourth and fifth amount sent to the terminal.

[0044] 在本实施例的技术方案中,在不需用户输入支付数额的情况下,自动为用户计算出了其待支付的多种类型的数额,并返回给用户从而对用户进行提示,省去了用户自行计算多种所需支付的数额的麻烦,有效地提升了用户体验。 [0044] With the present embodiment, when the input amount paid without the user, the user is automatically calculated the amount of which a plurality of types to be paid, and returned to the user so that the user is prompted, provincial went to a variety of users to calculate the amount needed to pay for their own troubles, effectively enhance the user experience.

[0045] 在本发明的一个实施例中还提供了一种支付行为处理方法,在步骤105之前,还包括: [0045] In one embodiment of the present invention further provides a method of processing a payment process, prior to step 105, further comprising:

[0046] 判断支付项目的第一支付类型的额定支付数额,是否小于或等于第三数额。 Nominal amount paid first payment type [0046] Analyzing the payment program, the amount is less than or equal to the third. 在本实施例中,例如,设第一支付类型为积分,第二支付类型为人民币,某件商品的额定支付数额为:10积分+10元,此时判断用户账户中的积分是否高于10积分,如用户账户中不足10积分,即第三数额小于第一支付类型的10积分,则可不允许用户购买该商品。 In the present embodiment, for example, payment type is provided a first integrator, a second RMB payment type, amount paid for a nominal product was: +10 10 integral, at this time determines whether the user account is higher than 10 points integration, such as user account in less than 10 points, the third 10 points less than the amount of the first payment types, it can not allow the user to purchase the goods. 因为积分多少通常表示用户与商家之间支付行为的多少,所以本实施例有利于控制某些商品仅限于过往支付较多的用户购买。 How many points it is usually expressed as the number of payment behavior between the user and the business, so this embodiment facilitates control of certain commodities is limited to the past to pay more users to buy.

[0047] 在判断结果为是时,进入步骤105。 [0047] In the determination result is YES, the routine proceeds to step 105. 在本实施例中,例如,如用户的账户中具有积分为15积分,即第三数额为15积分大于额定的10积分,此时根据人民币和积分之间是I比I的关系,可计算用户账户中的15分需全部使用,用户还需支付的人民币为5元。 In the present embodiment, for example, as the user's account 15 is integral with the integrator, i.e. the amount of the third integrator 15 is greater than the rated 10 points at this time in accordance with the relationship between the I and the integral ratio I of the RMB, the user may be calculated account of the need to use all 15 points, the user needs to pay RMB 5 million. 可见在用户打算支付的积分高于额定积分的情况下,用户的部分积分起到了人民币的作用,从而有利于促进用户积分的消费,以及控制用户对人民币的使用。 Visible if the user intends to pay points higher than the nominal integral, integral part of the user played a role in the RMB, thus contributing to the promotion of consumer credit users, and users control the use of the yuan.

[0048] 如图4所示,本发明的另一个实施例中提供了一种支付行为处理方法,还包括: [0048] As shown in FIG 4, another embodiment of the present invention provides a method for processing payment behavior, further comprising:

[0049] 步骤140,获取用户账户中的第一支付类型的数额作为第三数额。 [0049] Step 140, acquiring a first amount of user accounts as of a third type of payment amount. 在本实施例中,例如,用户账户中具有100元人民币、20积分、优惠点20点,如果第一支付类型仅为积分,则第三数额为20积分;如果第一支付类型仅为优惠点,则第三数额为20点;如果第一支付类型取积分和优惠点,则第三数额可取为20积分+20优惠点。 In the present embodiment, for example, a user account with 100 yuan, 20 points, 20 points discount points, if the payment type is only a first integrator, the amount of the third integrator 20; if only a first type of payment discount points , the third in the amount of 20 points; if the first payment types to take points and discount points, the third amount may be taken as +20 20 points discount points.

[0050] 步骤150,获取具有对应第一支付类型的额定支付数额,且额定支付数额小于第三数额的支付项目的信息,发送给终端。 [0050] Step 150, having acquired payment amount corresponding to the first rated payment type and payment amount is less than the rated amount of payment information of the third item, sent to the terminal.

[0051] 在本实施例中,在第三数额为20积分时,对于一额定消费10积分的商品,则可将该商品信息发送给用户终端,而对于一额定消费30积分的商品,则不将该商品的信息发送给用户终端;在第三数额为20优惠点时,对于一额定消费10优惠点的商品,则可将该商品信息发送给用户终端,而对于一额定消费30优惠点的商品,则不将该商品的信息发送给用户终端;在第三数额为20积分+20优惠点时,对于一额定消费10积分+10优惠点的商品,则可将该商品信息发送给用户终端,而对于一额定消费10积分+30优惠点、或需要消费30积分+10优惠点的商品,都不将商品的信息发送给用户终端。 [0051] In the present embodiment, when the amount of the third integrator 20, the integrator 10 for a nominal consumption of goods, the item information may be transmitted to the user terminal, and for a nominal 30 integral consumer goods, not transmits the information items to the user terminal; in the third 20 the amount of discount points, discount points 10 for a nominal consumption of goods, the item information may be transmitted to the user terminal, and for a nominal point 30 Shipping consumption commodity, merchandise not sent this information to the user terminal; when a third the amount of discount points +20 20 points, 10 points for a nominal consumer +10 points discount merchandise, the merchandise information may be sent to the user terminal and for a nominal consumer +30 10 points discount points, or need to consume 30 points +10 points discount merchandise, merchandise not send information to the user terminal. 所以,要求第三数额中的每种支付类型的数额都必须大于相应的支付数额。 Therefore, the amount required to pay each type of third amount must be greater than the corresponding amount of payment.

[0052] 在本实施例中,因为积分、优惠点等只限于在对应电商平台使用,重要性远低于人民币,最好尽早消费,所以自动推荐商品给用户,从而保证用户及时消费积分、优惠点等,避免出现过期等情况导致无法使用。 [0052] In this embodiment, since points, discount points and other limited use in the corresponding electronic business platform, far below the importance of the yuan, the best consumer as soon as possible, it is automatically recommended product to the user, so as to ensure timely user bonus points, discount points, etc., to avoid expirations occur unusable.

[0053] 如图5所示,本发明的另一个实施例中提供了一种支付行为处理方法,接收终端发送的用户进行支付行为的请求之前,还包括: Before [0053] 5, another embodiment of the present invention provides a user a behavioral method for payment processing, the receiving terminal transmits a request to the payment behavior embodiments, further comprising:

[0054] 步骤160,获取用户账户中的多种支付类型的数额。 [0054] Step 160, the amount acquiring multiple payment types of user accounts. 在本实施例中,例如,用户账户中具有20积分以及O点优惠点。 In the present embodiment, for example, user account and integrator 20 having a point O discount points.

[0055] 步骤170,根据用户账户中的多种支付类型的数额中的非零数额,生成提示信息并发送给终端。 [0055] Step 170, according to a non-zero amount which various types of payment in the user's account, and sends the terminal generates presentation information. 在本实施例中,例如,生成的提示信息为“账户尚有20积分,请及时使用”。 In the present embodiment, for example, generated by the message "account still 20 points, please use."

[0056] 在本实施例的技术方案中,对于用户所具有的可消费的数额,尤其是最好趁早消费的积分、优惠点等,生成提示信息以提示用户尽早进行消费,避免出现过期等情况导致无法使用。 [0056] With the present embodiment, the amount the user has to be consumed, particularly preferably as early as possible the consumption points, discount points, etc., to prompt the user to generate presentation information for consumption as soon as possible to avoid the situation expirations unusable.

[0057] 如图6所示,本发明的另一个实施例中提供了一种支付行为处理装置,其包括: [0057] shown in Figure 6, another embodiment of the present invention provides an apparatus for processing payment behavior, comprising:

[0058] 请求接收模块610,用于接收终端发送的用户进行支付行为的请求,请求指示用户的支付数额,支付数额包含多种支付类型的数额。 [0058] The request receiving module 610, a user terminal sends a request to the receiving payment behavior, indicating the user requested payment amount, the payment amount is an amount of various types of payment. 在本实施例中,支付数额的类型包括但不限于目前各种通用的币种(例如,人民币)和特定平台上可用的资源(例如,积分)。 In the present embodiment, the amount of payment types include but are not limited to various general-purpose current currency (e.g., RMB) available on a specific platform and resources (e.g., integration). 本实施例中,对终端的类型不进行限制,其包括但不限于用户持有的手机、计算机等。 In this embodiment, the terminal type is not limited, including, but not limited to, the user holds the mobile phone, computer or the like.

[0059] 支付单据生成模块620,用于生成支付单据,并在支付单据中写入支付数额的类型以及每种支付类型的数额。 [0059] The document generation module 620 payment, payment for generating documents, the amount and type of written payment amount and payment type for each of the payment document. 在本实施例中,生成的支付单据可记录多种类型的数额,这与现有技术不同,现有技术中只记录一种类型的数额。 In the present embodiment, the document may be generated payment amount plurality of types of recording, unlike the prior art, the prior art only one type of record amount.

[0060] 支付模块630,用于按支付单据,将用户账户中对应支付类型的数额进行减少,以完成支付行为。 [0060] The payment module 630, a document according to the payment, the payment of the amount corresponding to the type of user account is reduced in order to complete the payment behavior. 在本实施例中,假如支付单据中记录了10元和10积分,则用户从账户中支付10元和10积分即可完成积分,相比于现有的技术方案,不需要购物平台将10积分转换为10元,避免了在这个过程出现错误而造成用户无法正常支付的问题。 In the present embodiment, if the payment is recorded in the documents 10 and ten points from the user account to pay $ 10 and $ 10 to complete integration points, as compared to prior art solutions, the integrator 10 will not require internet shopping converted to 10 yuan, avoiding the problem of errors in the process and causing the user unable to pay normal.

[0061] 在本实施例的技术方案中,支付单据作为进行支付行为的依据,所以根据其中记录的多种类型的数额,可以减少用户账户中相应多种类型的数额,从而完成支付行为;而现有技术中的支付单据仅记录了一种类型的数额,需要使用其他类型的数额进行支付时必须依赖购物平台等将其他类型的数额转换为支付单据中记录的一类型的数额,如果这个过程中出现了问题,就会造成用户无法进行支付;本实施例的技术方案中不存在转换支付数额进行支付的情况,所以可以有效保证用户使用多种类型的数额顺利进行支付。 [0061] With the present embodiment, the document as a basis for payment of the payment behavior, so depending on the amount in which a plurality of types of records, can reduce the amount of the respective plurality of types of user accounts, thereby completing the payment behavior; and payment documents of the prior art only records the amount of one type, the amount required to use other types of conduct must depend shopping platform when converting the amount paid for the amount of other types of documents in the record of a type of payment, if the process in there is a problem, it will cause the user can not pay; converting the payment amount to make payments situation there is no technical solution of the present embodiment, it is possible to effectively guarantee the user the amount of various types of smooth payment.

[0062] 如图7所示,本发明的另一个实施例中提供了一种支付行为处理装置,多种支付类型包括第一支付类型和第二支付类型,装置还包括: [0062] As shown in FIG. 7, another embodiment of the present invention there is provided a processing apparatus payment behavior, multiple payment types include a first type and a second payment payment types, the apparatus further comprising:

[0063] 第一数额接收模块640,用于接收终端发送的用户待支付的第一支付类型的第一数额。 [0063] The amount of the first receiving module 640, a first amount of a first type of user payment sent by a terminal to be paid. 在本实施例中,例如,设第一支付类型为积分,如果用户的账户中具有一定的积分可用于购物,则用户打算使用10积分,该10积分即为第一数额。 In the present embodiment, for example, the integral type is provided first payment, if the user's account may be used for integration with a certain shopping, the user intends to use the integral 10, the integrator 10 is the first amount.

[0064] 第二数额计算模块650,用于获取支付项目的多种支付类型的额定支付数额,根据支付项目的额定支付数额、预设的多种支付类型相关的转换关系以及第一数额,计算出用户待支付的第二支付类型的第二数额。 [0064] The second amount calculating module 650, configured to obtain the nominal amount paid multiple payment types of payment items, rated according to the amount paid payment items, multiple payment types predetermined conversion relationship, and a first related amount calculated the amount of the second payment of a second type of user to be paid. 在本实施例中,例如,设第二支付类型为人民币,某件商品全部使用人民币支付的话需30元,则其额定支付数额为:0积分+30人民币,此时转换关系中记录了人民币和积分之间是I比I的关系,则可以确定用户还需支付的人民币为20元,即第二数额为20元。 In the present embodiment, for example, a second set of RMB payment type, an item using all the words need RMB payment $ 30, then the amount paid is rated: 0 Points +30 RMB, the conversion relationship at this time is recorded and RMB I was among the integral relationship than I, it can determine the user needs to pay RMB 20 yuan, that second amount is 20 yuan. 特别地,在计算得到的第二数额为负值时,则通知终端发送新的第一数额。 In particular, when the second amount calculated is negative, it notifies the terminal transmits a new first amount.

[0065] 第二数额发送模块660,用于将第二数额发送给终端。 [0065] The amount of the second sending module 660, configured to send a second amount to the terminal.

[0066] 在本实施例的技术方案中,在用户确定打算支付的一个或多个支付类型的数额后,可以自动为用户计算出还需支付的其他支付类型的数额,并返回给用户从而对用户进行提示,省去了用户自行计算多种所需支付的数额的麻烦,有效地提升了用户体验。 After [0066] The technical solution in the present embodiment, when the user intends to pay the determined amount of the one or more payment types, the user can automatically calculate the amount of other types of payment need to pay, and returned to the user thereby the user is prompted, eliminating the need for multiple user computing the amount required to pay their own trouble, effectively enhance the user experience.

[0067] 在本发明的一个实施例中还提供了一种支付行为处理装置,还包括: [0067] In one embodiment of the present invention further provides an apparatus for processing payment behavior, further comprising:

[0068] 第一判断模块,用于判断所述支付项目的第一支付类型的额定支付数额,是否小于或等于第一数额。 [0068] a first determining module configured to determine the nominal amount paid payment first payment type of item, the first amount is less than or equal to. 在本实施例中,例如,设第一支付类型为积分,第二支付类型为人民币,某件商品的额定支付数额为:10积分+10元,此时判断用户打算支付的积分是否高于10积分,如用户仅打算支付5积分,即第一数额为5积分低于额定的10积分,则可不允许用户购买该商品。 In the present embodiment, for example, payment type is provided a first integrator, a second RMB payment type, amount paid for a nominal product was: +10 10 integral, at this time determines whether the user intends to pay the integrator 10 is higher than the integration, such as the user intends to pay only 5 points, that is, the amount of the first 5 points lower than the rated 10 points, you can not allow the user to purchase the goods. 因为用户可支付的积分多少通常表示用户与商家之间支付行为的多少,所以本实施例有利于控制某些商品仅限于过往支付较多的用户购买。 Because the user can pay usually means how much how many points the payment behavior between the user and the business, so this embodiment facilitates control of certain commodities is limited to the past to pay more users to buy.

[0069] 在判断结果为是时,所述第二数额计算模块650计算第二数额。 [0069] In the determination result is yes, the amount of the second calculation module 650 calculates a second amount. 在本实施例中,如用户打算支付的积分为15积分,即第一数额为15积分大于额定的10积分,此时根据人民币和积分之间是I比I的关系,可计算15积分需全部使用,用户还需支付的人民币为5元。 In the present embodiment, as the user intends to pay the integral points 15, i.e. the amount of the first integrator 15 is greater than the rated integrator 10, this time in accordance with the relationship between the I and the integral ratio I of the RMB, the integral may be calculated for an entire 15 use, the user needs to pay RMB 5 million. 可见在用户打算支付的积分高于额定积分的情况下,用户的部分积分起到了人民币的作用,从而有利于促进用户积分的消费,以及控制用户对人民币的使用。 Visible if the user intends to pay points higher than the nominal integral, integral part of the user played a role in the RMB, thus contributing to the promotion of consumer credit users, and users control the use of the yuan.

[0070] 如图8所示,本发明的另一个实施例中提供了一种支付行为处理装置,其中,多种支付类型包括第一支付类型和第二支付类型,装置还包括: [0070] As shown in FIG. 8, another embodiment of the present invention provides an apparatus for processing payment behavior embodiment, wherein multiple payment types include a first type and a second payment payment types, the apparatus further comprising:

[0071] 第三数额获取模块670,用于获取用户账户中的第一支付类型的数额作为第三数额。 [0071] The third amount obtaining module 670, configured to acquire a first amount of user accounts as of a third type of payment amount. 在本实施例中,例如,设第一支付类型为积分,如果用户的账户中具有20积分可用于购物,则第三数额为20积分。 In the present embodiment, for example, the integral type is provided first payment, if the user's account with the integrator 20 can be used for shopping, the third in the amount of 20 points. 由于积分只限于在对应电商平台使用,重要性远低于人民币,最好尽早消费,所以需要尽可能地使用积分进行支付。 Since the integration is limited to use in the corresponding electronic business platform, far below the importance of the yuan, the best consumer as soon as possible, it is necessary to use the points to make payments as much as possible.

[0072] 第四和第五数额计算模块680,获取支付项目的多种支付类型的额定支付数额,根据支付项目的额定支付数额、预设的多种支付类型相关的转换关系以及第三数额,计算出用户待支付的第一支付类型的第四数额,以及第二支付类型的第五数额,其中,第四数额=第三数额且第五数额> 0,或第五数额=O且O <第四数额<第三数额。 [0072] The fourth and fifth amount calculation module 680, to obtain the nominal amount paid multiple payment types of payment programs, according to the nominal amount paid payment items, preset multiple payment types associated with the conversion relationship, and a third amount, calculating a fourth type of user first payment amount to be paid, the payment type and a fifth of a second amount, wherein the third amount and the fourth amount = amount V> 0, = O or fifth amount and O < The fourth level of <third amount. 在本实施例中,例如,设第二支付类型为人民币,如果某件商品全部使用人民币支付的话需30元,则其额定支付数额为O积分+30人民币,而转换关系中记录了人民币和积分之间是I比I的关系,此时假设用户的账户中具有10积分,即第三数额为10积分,则该10分全部用于支付,同时用户还需支付20元人民币,即第四数额为10积分且第五数额为20元,由于需要尽可能消费积分,所以10积分全部用于支付,第四数额与第三数额相同;而假设用户的账户具有60积分,即第三数额为60积分,则从用户账户中取出30积分用于支付,此时用户不需要支付人民币,即第四数额为30积分而第五数额为O元,因为用户的积分很多,所以部分积分就可以满足支付需求。 In the present embodiment, for example, a second set of RMB payment type, if the product is used, then all 30 yuan RMB payment is required, then the amount paid is rated O integral +30 yuan, and the conversion relationship in the recording and integration RMB I is the ratio between the relationship of I, assume that the user's account at this time has 10 points, i.e., the amount of the third integrator 10, 10. all the cover, while the user is required to pay 20 yuan, i.e., the amount of the fourth 10 points and fifth in the amount of $ 20, due to the need bonus points as possible, so all 10 points for the payment, the amount of the fourth and third level of the same; and assume that the user's account has 60 points, the third in the amount of 60 integration, from the user account used to pay out 30 points, then the user does not need to pay RMB, the fourth in the amount of 30 points and fifth in the amount of O yuan, because many users points, so part of the integration to meet the payment demand.

[0073] 第四和第五数额发送模块690,用于将第四数额和第五数额发送给终端。 [0073] The amount of the fourth and fifth sending module 690, configured to send the fourth and fifth amount of the amount of the terminal.

[0074] 在本实施例的技术方案中,在不需用户输入支付数额的情况下,自动为用户计算出了其待支付的多种类型的数额,并返回给用户从而对用户进行提示,省去了用户自行计算多种所需支付的数额的麻烦,有效地提升了用户体验。 [0074] With the present embodiment, when the input amount paid without the user, the user is automatically calculated the amount of which a plurality of types to be paid, and returned to the user so that the user is prompted, provincial went to a variety of users to calculate the amount needed to pay for their own troubles, effectively enhance the user experience.

[0075] 在本发明的一个实施例中还提供了一种支付行为处理装置,还包括: [0075] In one embodiment of the present invention further provides an apparatus for processing payment behavior, further comprising:

[0076] 第二判断模块,用于判断支付项目的第一支付类型的额定支付数额,是否小于或等于第三数额。 [0076] The second determination module, the nominal amount of payment for the payment of the first type of determination of the payment program, the amount is less than or equal to the third. 在本实施例中,例如,设第一支付类型为积分,第二支付类型为人民币,某件商品的额定支付数额为:10积分+10元,此时判断用户账户中的积分是否高于10积分,如用户账户中不足10积分,即第三数额小于第一支付类型的10积分,则可不允许用户购买该商品。 In the present embodiment, for example, payment type is provided a first integrator, a second RMB payment type, amount paid for a nominal product was: +10 10 integral, at this time determines whether the user account is higher than 10 points integration, such as user account in less than 10 points, the third 10 points less than the amount of the first payment types, it can not allow the user to purchase the goods. 因为积分多少通常表示用户与商家之间支付行为的多少,所以本实施例有利于控制某些商品仅限于过往支付较多的用户购买。 How many points it is usually expressed as the number of payment behavior between the user and the business, so this embodiment facilitates control of certain commodities is limited to the past to pay more users to buy.

[0077] 在判断结果为是时,第四和第五数额计算模块680计算第四数额和第五数额。 [0077] In the determination result is yes, the amount of the fourth and fifth calculation module 680 calculates the amount of the fourth and fifth amount. 在本实施例中,例如,如用户的账户中具有积分为15积分,即第三数额为15积分大于额定的10积分,此时根据人民币和积分之间是I比I的关系,可计算用户账户中的15分需全部使用,用户还需支付的人民币为5元。 In the present embodiment, for example, as the user's account 15 is integral with the integrator, i.e. the amount of the third integrator 15 is greater than the rated 10 points at this time in accordance with the relationship between the I and the integral ratio I of the RMB, the user may be calculated account of the need to use all 15 points, the user needs to pay RMB 5 million. 可见在用户打算支付的积分高于额定积分的情况下,用户的部分积分起到了人民币的作用,从而有利于促进用户积分的消费,以及控制用户对人民币的使用。 Visible if the user intends to pay points higher than the nominal integral, integral part of the user played a role in the RMB, thus contributing to the promotion of consumer credit users, and users control the use of the yuan.

[0078] 如图9所示,本发明的另一个实施例中提供了一种支付行为处理装置,还包括: [0078] 9, another embodiment of the present invention there is provided a payment behavior processing apparatus further comprising:

[0079] 支付项目获取模块6100,用于获取用户账户中的第一支付类型的数额作为第三数额,并获取具有对应第一支付类型应的额定支付数额,且额定支付数额小于第三数额的支付项目的信息,发送给终端。 [0079] payment programs obtaining module 6100, configured to obtain the amount of user accounts as of a third type of first payment amount, and payment has rated the amount corresponding to obtain a first type to be paid, and the amount paid is less than the nominal amount of the third payment information project, sent to the terminal.

[0080] 在本实施例中,例如,用户账户中具有100元人民币、20积分、优惠点20点,如果第一支付类型仅为积分,则第三数额为20积分;如果第一支付类型仅为优惠点,则第三数额为20点;如果第一支付类型取积分和优惠点,则第三数额可取为20积分+20优惠点。 [0080], for example, a user account in the present embodiment has 100 yuan, 20 points, 20 points discount points, if the payment type is only a first integrator, the amount of the third integrator 20; if only the first payment type as discount points, the third in the amount of 20 points; if the first payment types to take points and discount points, the third amount may be taken as +20 20 points discount points.

[0081] 在本实施例中,在第三数额为20积分时,对于一额定消费10积分的商品,则可将该商品信息发送给用户终端,而对于一额定消费30积分的商品,则不将该商品的信息发送给用户终端;在第三数额为20优惠点时,对于一额定消费10优惠点的商品,则可将该商品信息发送给用户终端,而对于一额定消费30优惠点的商品,则不将该商品的信息发送给用户终端;在第三数额为20积分+20优惠点时,对于一额定消费10积分+10优惠点的商品,则可将该商品信息发送给用户终端,而对于一额定消费10积分+30优惠点、或额定消费30积分+10优惠点的商品,都不将商品的信息发送给用户终端。 [0081] In the present embodiment, when the amount of the third integrator 20, the integrator 10 for a nominal consumption of goods, the item information may be transmitted to the user terminal, and for a nominal 30 integral consumer goods, not transmits the information items to the user terminal; in the third 20 the amount of discount points, discount points 10 for a nominal consumption of goods, the item information may be transmitted to the user terminal, and for a nominal point 30 Shipping consumption commodity, merchandise not sent this information to the user terminal; when a third the amount of discount points +20 20 points, 10 points for a nominal consumer +10 points discount merchandise, the merchandise information may be sent to the user terminal while consumption of 30 points discount points +10 +30 for 10 points discount points a nominal consumption, or rated goods, commodities do not send information to the user terminal. 所以,要求第三数额中的每种支付类型的数额都必须大于相应的支付数额。 Therefore, the amount required to pay each type of third amount must be greater than the corresponding amount of payment.

[0082] 在本实施例中,因为积分、优惠点等只限于在对应电商平台使用,重要性远低于人民币,最好尽早消费,所以自动推荐商品给用户,从而保证用户及时消费积分、优惠点等,避免出现过期等情况导致无法使用。 [0082] In this embodiment, since points, discount points and other limited use in the corresponding electronic business platform, far below the importance of the yuan, the best consumer as soon as possible, it is automatically recommended product to the user, so as to ensure timely user bonus points, discount points, etc., to avoid expirations occur unusable.

[0083] 如图10所示,本发明的另一个实施例中提供了一种支付行为处理装置,还包括: [0083] As shown in FIG. 10, another embodiment of the present invention there is provided an apparatus according to the payment processing behavior, further comprising:

[0084] 提示模块6110,用于获取用户账户中的多种支付类型的数额,并根据用户账户中的多种支付类型的数额中的非零数额,生成提示信息并发送给终端。 [0084] prompt module 6110, configured to obtain the amount of various types of payment in the user account, and according to a non-zero amount which various types of payment in the user's account, and sends the terminal generates presentation information.

[0085] 在本实施例中,例如,用户账户中具有20积分以及O点优惠点。 [0085] In the present embodiment, for example, user account and integrator 20 having a point O discount points. 在本实施例中,例如,生成的提示信息为“账户尚有20积分可用,请及时使用”。 In the present embodiment, for example, the generated message is "20 points can still account, please use."

[0086] 在本实施例的技术方案中,对于用户所具有的可消费的数额,尤其是最好趁早消费的积分、优惠点等,生成提示信息以提示用户尽早进行消费,避免出现过期等情况导致无法使用。 [0086] With the present embodiment, the amount the user has to be consumed, particularly preferably as early as possible the consumption points, discount points, etc., to prompt the user to generate presentation information for consumption as soon as possible to avoid the situation expirations unusable.

[0087] 如图11所示,本发明的一个实施例中提供一种服务器,其包括:根据前述实施例的支付行为处理装置1110。 [0087] As shown in FIG 11, an embodiment of the present invention provides a server comprising: processing means 1110 according to the payment behavior of the foregoing embodiment.

[0088] 根据前述的实施例可知,服务器生成的支付订单中记录多种类型的数额,根据支付单据可以减少用户账户中相应多种类型的数额,从而完成支付行为;需要使用其他类型的数额进行支付时必须依赖购物平台等将其他类型的数额转换为支付单据中记录的一类型的数额,如果这个过程中出现了问题,就会造成用户无法进行支付;本实施例的技术方案中不存在转换支付数额进行支付的情况,所以可以有效保证用户使用多种类型的数额顺利进行支付。 [0088] According to the foregoing embodiment can be seen, the payment server generates the order recorded in the amount of a plurality of types of documents can be reduced according to the payment the amount of the respective plurality of types of user accounts, thereby completing the payment behavior; amount required will be other types of must depend upon the amount paid shopping platform will be converted to other types of documents in the amount of a type of recording payments, if this process there is a problem, it will cause the user can not be paid; there is no conversion aspect of the present embodiment amount of payment performing of the payment, so users can effectively ensure the smooth progress of the amount of various types of payments.

[0089] 在此提供的算法和显示不与任何特定计算机、虚拟系统或者其它设备固有相关。 [0089] The algorithms and displays are not provided, the virtual system or other device inherently related to any particular computer. 各种通用系统也可以与基于在此的示教一起使用。 Various general-purpose systems may also be used with the teachings herein based. 根据上面的描述,构造这类系统所要求的结构是显而易见的。 According to the above description, the configuration of such a system requires a structure will be apparent. 此外,本发明也不针对任何特定编程语言。 Further, the present invention is not to any particular programming language. 应当明白,可以利用各种编程语言实现在此描述的本发明的内容,并且上面对特定语言所做的描述是为了披露本发明的最佳实施方式。 It should be appreciated that a variety of programming languages ​​may be utilized to achieve the present invention described herein, the above description and specific language is made to the disclosure of preferred embodiments of the present invention.

[0090] 在此处所提供的说明书中,说明了大量具体细节。 [0090] In the description provided herein, numerous specific details are described. 然而,能够理解,本发明的实施例可以在没有这些具体细节的情况下实践。 However, it can be understood that the embodiments of the present invention may be practiced without these specific details. 在一些实例中,并未详细示出公知的方法、结构和技术,以便不模糊对本说明书的理解。 In some examples, not shown in detail in well-known methods, structures and techniques, so as not to obscure the understanding of this description.

[0091] 类似地,应当理解,为了精简本公开并帮助理解各个发明方面中的一个或多个,在上面对本发明的示例性实施例的描述中,本发明的各个特征有时被一起分组到单个实施例、图、或者对其的描述中。 [0091] Similarly, it should be understood that the purpose of streamlining the disclosure and aiding in the understanding of one or more of the various inventive aspects in the description of exemplary embodiments of the present invention, various features of the invention are sometimes grouped into a single together embodiment, FIG, or the description thereof. 然而,并不应将该公开的方法解释成反映如下意图:即所要求保护的本发明要求比在每个权利要求中所明确记载的特征更多的特征。 However, the methods disclosed herein should not be interpreted as reflecting an intention: that the claimed invention requires more features than in each of the claims expressly recited. 更确切地说,如下面的权利要求书所反映的那样,发明方面在于少于前面公开的单个实施例的所有特征。 More specifically, as reflected in the book as the following claims, inventive aspects lie in less than all features of a single foregoing disclosed embodiment. 因此,遵循具体实施方式的权利要求书由此明确地并入该具体实施方式,其中每个权利要求本身都作为本发明的单独实施例。 Thus, the claims following the specific embodiments are hereby incorporated into this Detailed Description explicitly, with each claim itself as a separate embodiment of the present invention.

[0092] 本领域那些技术人员可以理解,可以对实施例中的设备中的模块进行自适应性地改变并且把它们设置在与该实施例不同的一个或多个设备中。 [0092] Those skilled in the art can understand may be made to change adaptively embodiment device module and provided them with one or more devices different from this embodiment of the. 可以把实施例中的模块或单元或组件组合成一个模块或单元或组件,以及此外可以把它们分成多个子模块或子单元或子组件。 The embodiments may be modules or units into one module or component or components or units, and in addition they can be divided into a plurality of sub-modules or sub-units or sub-assemblies. 除了这样的特征和/或过程或者单元中的至少一些是相互排斥之外,可以采用任何组合对本说明书(包括伴随的权利要求、摘要和附图)中公开的所有特征以及如此公开的任何方法或者设备的所有过程或单元进行组合。 Any method other than such features and / or process, or at least some of the units are mutually exclusive, any combination of the present specification (including the accompanying claims, abstract and drawings) All of the features disclosed in, or disclosed herein and such All process units or equipment combination. 除非另外明确陈述,本说明书(包括伴随的权利要求、摘要和附图)中公开的每个特征可以由提供相同、等同或相似目的的替代特征来代替。 Unless expressly stated otherwise, each feature of the present specification (including the accompanying claims, abstract and drawings) may be provided by the same disclosed, characterized equivalents or similar purpose may be substituted.

[0093] 此外,本领域的技术人员能够理解,尽管在此所述的一些实施例包括其它实施例中所包括的某些特征而不是其它特征,但是不同实施例的特征的组合意味着处于本发明的范围之内并且形成不同的实施例。 [0093] Moreover, those skilled in the art will appreciate that although in some embodiments described herein include some features included in other embodiments, rather than other features, combinations of features of different embodiments are meant in the present within the scope of the invention and form different embodiments. 例如,在下面的权利要求书中,所要求保护的实施例的任意之一都可以以任意的组合方式来使用。 For example, in one embodiment any forth in the following claims, it may be claimed in any combination used.

[0094] 本发明的各个部件实施例可以以硬件实现,或者以在一个或者多个处理器上运行的软件模块实现,或者以它们的组合实现。 Example [0094] The various components of the present invention may be implemented in hardware, or as software modules running on one or more processors, or in a combination thereof. 本领域的技术人员应当理解,可以在实践中使用微处理器或者数字信号处理器(DSP)来实现根据本发明实施例的支付行为处理装置中的一些或者全部部件的一些或者全部功能。 Those skilled in the art will appreciate that a microprocessor may be used or a digital signal processor (DSP) to implement in practice, the payment behavior embodiment some or all functions of the device, some or all of the processing means in accordance with the present invention. 本发明还可以实现为用于执行这里所描述的方法的一部分或者全部的设备或者装置程序(例如,计算机程序和计算机程序产品)。 The present invention may also be implemented as a part or all of the device or apparatus programs for performing the methods described herein (e.g., computer programs and computer program products). 这样的实现本发明的程序可以存储在计算机可读介质上,或者可以具有一个或者多个信号的形式。 Such a program implementing the present invention may be stored on a computer-readable medium, or may have the form of one or more signals. 这样的信号可以从因特网网站上下载得到,或者在载体信号上提供,或者以任何其他形式提供。 Such signals can be downloaded from the Internet website, or provided on a carrier signal, or in any other form.

[0095] 应该注意的是上述实施例对本发明进行说明而不是对本发明进行限制,并且本领域技术人员在不脱离所附权利要求的范围的情况下可设计出替换实施例。 [0095] It should be noted that the embodiments of the present invention, the above-described embodiments illustrate rather than limit the invention, and those skilled in the art without departing from the scope of the appended claims may be devised alternative embodiments. 在权利要求中,不应将位于括号之间的任何参考符号构造成对权利要求的限制。 In the claims, should not be limited by any reference signs located claimed configured to claims between parentheses. 单词“包含”不排除存在未列在权利要求中的元件或步骤。 The word "comprising" does not exclude the presence of elements or steps not listed in the appended claims. 位于元件之前的单词“一”或“一个”不排除存在多个这样的元件。 Preceding an element of the word "a" or "an" does not exclude the presence of a plurality of such elements. 本发明可以借助于包括有若干不同元件的硬件以及借助于适当编程的计算机来实现。 The present invention by means of hardware comprising several distinct elements, and by means of a suitably programmed computer implemented. 在列举了若干装置的单元权利要求中,这些装置中的若干个可以是通过同一个硬件项来具体体现。 Unit claims enumerating several means, several of these means may be embodied by the same item of hardware. 单词第一、第二、以及第三等的使用不表示任何顺序。 Word of the first, second, and third, etc. does not denote any order. 可将这些单词解释为名称。 These words can be interpreted as names.

[0096] Al、一种支付行为处理方法,其包括: [0096] Al, a behavioral payment processing method, comprising:

[0097] 接收终端发送的用户进行支付行为的请求,所述请求指示所述用户的支付数额,所述支付数额包含多种支付类型的数额; [0097] The user terminal receives the payment request sent by the behavior, indicating the amount of payment to the user request, the payment amount which comprises a plurality of types of payment;

[0098] 生成支付单据,并在所述支付单据中写入支付数额的类型以及每种支付类型的数额; [0098] generates a payment receipt, the type and amount of payment is written in the invoice for payment and a payment amount for each type;

[0099] 按所述支付单据,将所述用户账户中对应支付类型的数额进行减少,以完成支付行为。 [0099] for reducing the amount of the payment according to the document, the type of payment account corresponding to the user to complete payment behavior.

[0100] A2、根据Al所述的方法,其中,所述多种支付类型包括第一支付类型和第二支付类型,在接收终端发送的用户进行支付行为的请求之前,还包括: Before [0100] A2, The method of claim Al, wherein the plurality of types comprises a first payment payment type and a second type of payment, payment behavior in the request sent by a terminal user, further comprising:

[0101] 接收所述终端发送的所述用户待支付的第一支付类型的第一数额; [0101] receiving a first amount of a first type of payment to be paid by the user of the transmitting terminal;

[0102] 获取支付项目的多种支付类型的额定支付数额,根据所述支付项目的额定支付数额、预设的所述多种支付类型相关的转换关系以及所述第一数额,计算出所述用户待支付的第二支付类型的第二数额; [0102] nominal amount paid multiple payment types of items acquired payment, payment rated according to the amount of the payment program, the plurality of predetermined conversion relation payment related to the type and amount of the first, calculating the the second type of user the amount of the second payment to be paid;

[0103] 将所述第二数额发送给所述终端。 [0103] transmitting the second amount to the terminal.

[0104] A3、根据A2所述的方法,其中,在计算出所述用户待支付的所述第二支付类型的第二数额之前,还包括: [0104] A3, according to Method A2, wherein, in the calculating of the user to be paid before the second type of second payment amount, further comprising:

[0105] 判断所述支付项目的对应第一支付类型的额定支付数额,是否小于或等于所述第一数额; Rated payment amount corresponding to [0105] determine whether the payment of the first item type of payment, is less than or equal to the first amount;

[0106] 在判断结果为是时,计算所述第二数额。 [0106] In the determination result is yes, calculating the second amount.

[0107] A4、根据Al所述的方法,其中,所述多种支付类型包括第一支付类型和第二支付类型,在接收终端发送的用户进行支付行为的请求之前,还包括: Before [0107] A4, according to the method of claim Al, wherein the plurality of types comprises a first payment payment type and a second type of payment, payment behavior in the request sent by a terminal user, further comprising:

[0108] 获取所述用户账户中的所述第一支付类型的数额作为第三数额; [0108] The amount of the user accounts acquired in the first type as the third payment amount;

[0109] 获取支付项目的多种支付类型的额定支付数额,根据所述支付项目的额定支付数额、预设的所述多种支付类型相关的转换关系以及所述第三数额,计算出所述用户待支付的所述第一支付类型的第四数额和所述第二支付类型的第五数额,其中,所述第四数额=所述第三数额且所述第五数额>0,或所述第五数额=O且O <所述第四数额<所述第三数额; [0109] nominal amount paid multiple payment types of items acquired payment, payment rated according to the amount of the payment program, the plurality of predetermined conversion relation payment related to the type and the third amount, calculating the a fourth amount to be paid by the user of the first payment type and the second type fifth payment amount, wherein the fourth amount = amount of the third and the fifth level of> 0, or the said fifth amount = O and O <said fourth amounts <said third amount;

[0110] 将所述第四数额和所述第五数额发送给所述终端。 [0110] sending the fourth and the fifth amount of the amount to the terminal.

[0111] A5、根据A4所述的方法,其中,在计算出所述用户待支付的所述第一支付类型的第四数额和所述第二部分支付类型的第五数额,之前,还包括: [0111] A5, method according to A4, wherein, in calculating the amount of the fourth type of the first and the second payment fifth portion type of user payment amount to be paid, the method further comprising :

[0112] 判断所述支付项目的对应第一支付类型的额定支付数额,是否小于或等于所述第三数额; Rated payment amount corresponding to [0112] determine whether the payment of the first item type of payment, is less than or equal to the third amount;

[0113] 在判断结果为是时,计算所述第四数额和所述第五数额。 [0113] In the determination result is yes, the calculation amount and the fourth fifth amount.

[0114] A6、根据Al所述的方法,其中,所述多种支付类型包括第一支付类型,所述方法还包括: [0114] A6, The method of claim Al, wherein the plurality of types comprises a first payment payment type, the method further comprising:

[0115] 获取所述用户账户中的所述第一支付类型的数额作为第三数额; [0115] The amount of the user accounts acquired in the first type as the third payment amount;

[0116] 获取具有对应所述第一支付类型的额定支付数额,且所述额定支付数额小于所述第三数额的支付项目的信息,发送给所述终端。 [0116] having acquired payment amount corresponding to the first rated payment type and payment amount is less than the nominal amount of the payment information of the third item, sent to the terminal.

[0117] A7、根据Al至A6中任一项所述的方法,其中,接收终端发送的用户进行支付行为的请求之前,还包括: Before [0117] A7, Al to A6 in accordance with the method according to any preceding claim, wherein the user terminal sends a request to the receiving payment behavior, further comprising:

[0118] 获取所述用户账户中的所述多种支付类型的数额; [0118] Gets the user account in the plurality of types of payment amount;

[0119] 根据所述用户账户中的所述多种支付类型的数额中的非零数额,生成提示信息并发送给所述终端。 [0119] The user account of the plurality of non-zero amount which payment types, the message generated and sent to the terminal.

[0120] AS、一种支付行为处理装置,其包括: [0120] AS, a method for payment behavior processing apparatus, comprising:

[0121] 请求接收模块,用于接收终端发送的用户进行支付行为的请求,所述请求指示所述用户的支付数额,所述支付数额包含多种支付类型的数额; [0121] request receiving means for receiving the user terminal sends a request to pay behavior, indicating the amount of payment to the user request, the payment amount which comprises a plurality of types of payment;

[0122] 支付单据生成模块,用于生成支付单据,并在所述支付单据中写入支付数额的类型以及每种支付类型的数额; [0122] Payment document generation module for generating payment documents, and write the type and the amount of payment for each payment amount in the payment type in the document;

[0123] 支付模块,用于按所述支付单据,将所述用户账户中对应支付类型的数额进行减少,以完成支付行为。 [0123] The payment module, for reducing the amount of the payment according to the document, the type of payment account corresponding to the user to complete payment behavior.

[0124] A9、根据AS所述的装置,其中,所述多种支付类型包括第一支付类型和第二支付类型,所述装置还包括: [0124] A9, the apparatus according to AS, wherein said plurality of payment type comprises a first and a second type of payment payment type, said apparatus further comprising:

[0125] 第一数额接收模块,用于接收所述终端发送的所述用户待支付的第一支付类型的第一数额; [0125] The amount of the first receiving module, a first amount of a first type of payment by the user terminal receiving the transmission to be paid;

[0126] 第二数额计算模块,用于获取支付项目的多种支付类型的额定支付数额,根据所述支付项目的额定支付数额、预设的所述多种支付类型相关的转换关系以及所述第一数额,计算出所述用户待支付的第二支付类型的第二数额; [0126] The amount of the second calculating module, configured to obtain the nominal amount paid multiple payment types of payment items, rated according to the amount of payment of the payment program, multiple payment types predetermined conversion relation and the associated a first amount, calculate a second amount of a second type of payment to be paid by the user;

[0127] 第二数额发送模块,用于将所述第二数额发送给所述终端。 [0127] The amount of the second transmitting module, configured to send the second amount to the terminal.

[0128] A10、根据A9所述的装置,其中,还包括: [0128] A10, A9 apparatus according to claim, wherein further comprising:

[0129] 第一判断模块,用于判断所述支付项目的对应第一支付类型的额定支付数额,是否小于或等于所述第一数额; Rated payment amount corresponding to [0129] a first determining module configured to determine whether the payment of the first item type of payment, is less than or equal to the first amount;

[0130] 在判断结果为是时,所述第二数额计算模块计算所述第二数额。 [0130] In the determination result is yes, the calculation module calculates the second amount of the second amount.

[0131] All、根据AS所述的装置,其中,所述多种支付类型包括第一支付类型和第二支付类型,所述装置还包括: [0131] All, the apparatus according to AS, wherein said plurality of payment type comprises a first and a second type of payment payment type, said apparatus further comprising:

[0132] 第三数额获取模块,用于获取所述用户账户中的第一支付类型的数额作为第三数额; [0132] The third amount obtaining module, configured to obtain the amount of the user account of the first type as the third payment amount;

[0133] 第四和第五数额计算模块,用于获取支付项目的多种支付类型的额定支付数额,根据所述支付项目的额定支付数额、预设的所述多种支付类型相关的转换关系以及所述第三数额,计算出所述用户待支付的第一支付类型的第四数额和第二支付类型的第五数额,其中,所述第四数额=所述第三数额且所述第五数额> 0,或所述第五数额=O且O <所述第四数额<第三数额; [0133] The fourth and fifth amount calculating module, configured to obtain the nominal amount paid multiple payment types of payment items, depending on the amount of the payment item rated payment, the payment type is associated plurality of predetermined conversion relationship and the third amount, calculates a first amount of payment and type of fourth type fifth second payment amount to be paid by the user, wherein the fourth amount = the second and the third amount five amount> 0, or the fifth amount and O = O <said fourth amounts <third amount;

[0134] 第四和第五数额发送模块,用于将所述第四数额和所述第五数额发送给所述终端。 [0134] The fourth and fifth amounts sending module, configured to send the fourth and the fifth amount of the amount to the terminal.

[0135] A12、根据All所述的装置,其中,还包括: [0135] A12, All apparatus according to claim, wherein further comprising:

[0136] 第二判断模块,用于判断所述支付项目的对应所述部分支付类型的额定支付数额,是否小于或等于所述第三数额; Corresponding to [0136] the second judgment module determines the payment for the item nominal amount paid partial payment type, is less than or equal to the third amount;

[0137] 在判断结果为是时,所述第四和第五数额计算模块计算所述第四数额和所述第五数额。 [0137] In the determination result is yes, the amount of the fourth and fifth calculation module calculates the amount of the fourth and the fifth amount.

[0138] A13、根据AS所述的装置,其中,所述多种支付类型包括第一支付类型,所述装置还包括: [0138] A13, the apparatus according to AS, wherein the plurality of types comprises a first payment payment type, said apparatus further comprising:

[0139] 支付项目获取模块,用于获取所述用户账户中的第一支付类型的数额作为第三数额,并获取具有对应第一支付类型的额定支付数额,且所述额定支付数额小于所述第三数额的支付项目的信息,发送给所述终端。 [0139] payment programs obtaining module, configured to obtain the amount of the user account of the first type as the third payment amount, and obtains the amount paid with the corresponding rated the first payment type and amount of the payment is less than the nominal the amount of the payment information of the third project, sent to the terminal.

[0140] A14、根据A8至A13中任一项所述的装置,其中,还包括: [0140] A14, A13 to A8 apparatus according to any one of the, further comprising:

[0141] 提示模块,用于获取所述用户账户中的所述多种支付类型的数额,并根据所述用户账户中的所述多种支付类型的数额中的非零数额,生成提示信息并发送给所述终端。 [0141] prompt module configured to obtain the user account in the plurality of types of payment amount, and the amount which a non-zero multiple payment types based on the user accounts, and generates message to the terminal.

[0142] A15、一种服务器,其包括: [0142] A15, A server, comprising:

[0143] 根据A8至A14中任一项所述的支付行为处理装置。 [0143] The payment behavior A8 to A14 according to any one of the processing apparatus.

Claims (10)

  1. 1.一种支付行为处理方法,其包括: 接收终端发送的用户进行支付行为的请求,所述请求指示所述用户的支付数额,所述支付数额包含多种支付类型的数额; 生成支付单据,并在所述支付单据中写入支付数额的类型以及每种支付类型的数额; 按所述支付单据,将所述用户账户中对应支付类型的数额进行减少,以完成支付行为。 A payment behavior processing method, comprising: receiving user terminal sends a request to pay behavior, indicating the amount of payment request of the user, the payment amount which comprises a plurality of types of payment; generates a payment receipt, and writing the document type of the payment amount and the payment amount for each type of payment; payment documents by the amount corresponding to the type of payment account of the user to reduce, to complete the payment behavior.
  2. 2.根据权利要求1所述的方法,其中,所述多种支付类型包括第一支付类型和第二支付类型,在接收终端发送的用户进行支付行为的请求之前,还包括: 接收所述终端发送的所述用户待支付的第一支付类型的第一数额; 获取支付项目的多种支付类型的额定支付数额,根据所述支付项目的额定支付数额、预设的所述多种支付类型相关的转换关系以及所述第一数额,计算出所述用户待支付的第二支付类型的第二数额; 将所述第二数额发送给所述终端。 Before The method according to claim 1, wherein the plurality of types comprises a first payment payment type and a second type of payment, payment behavior in the request sent by a terminal user, further comprising: receiving said terminal the first type of the first payment amount sent by the user to be paid; nominal amount paid multiple payment types of items acquired payment, payment rated according to the amount of the payment program, the plurality of predetermined types of payment-related conversion relation and the first amount, the second amount calculating a second type of payment to be paid by the user; the transmitting terminal to the second amount.
  3. 3.根据权利要求1所述的方法,其中,所述多种支付类型包括第一支付类型和第二支付类型,在接收终端发送的用户进行支付行为的请求之前,还包括: 获取所述用户账户中的所述第一支付类型的数额作为第三数额;获取支付项目的多种支付类型的额定支付数额,根据所述支付项目的额定支付数额、预设的所述多种支付类型相关的转换关系以及所述第三数额,计算出所述用户待支付的所述第一支付类型的第四数额和所述第二支付类型的第五数额,其中,所述第四数额=所述第三数额且所述第五数额> O,或所述第五数额=O且O <所述第四数额<所述第三数额;将所述第四数额和所述第五数额发送给所述终端。 Prior to 3. The method according to claim 1, wherein the plurality of types comprises a first payment payment type and a second type of payment, payment behavior in the request sent by a terminal user, further comprising: obtaining the user the amount in the account of the first type as the third payment amount; the nominal amount paid to obtain a variety of payment types of payment programs, according to the nominal amount of the payment paid projects, pre-payment of the various types of related conversion relation fifth amount and the third amount, the user is calculated to be the fourth payment amount and said first payment type second payment type, wherein the fourth amount of said second = the amount and the amount of the three fifth> O, or = O and the amount of the fifth O <said fourth amounts <said third amount; the amount and the fourth amount is sent to the fifth terminal.
  4. 4.根据权利要求1所述的方法,其中,所述多种支付类型包括第一支付类型,所述方法还包括: 获取所述用户账户中的第一支付类型的数额作为第三数额; 获取具有对应所述第一支付类型的额定支付数额,且所述额定支付数额小于所述第三数额的支付项目的信息,发送给所述终端。 4. The method according to claim 1, wherein said plurality of types of payment type comprising a first payment, the method further comprising: obtaining the amount of the user account of the first type as the third payment amount; Get having a rated payment amount corresponding to the first type of payment, and the payment amount is less than the nominal amount of the third payment information item is transmitted to the terminal.
  5. 5.根据权利要求1至4中任一项所述的方法,其中,接收终端发送的用户进行支付行为的请求之前,还包括: 获取所述用户账户中的所述多种支付类型的数额; 根据所述用户账户中的所述多种支付类型的数额中的非零数额,生成提示信息并发送给所述终端。 5. The method according to any one of claims 1 to 4, wherein, prior to receiving a request sent by a user terminal payment behavior, further comprising: obtaining the amount of the payment type in the plurality of user accounts; the account of the user in a variety of non-zero amount which payment types, the message generated and sent to the terminal.
  6. 6.一种支付行为处理装置,其包括: 请求接收模块,用于接收终端发送的用户进行支付行为的请求,所述请求指示所述用户的支付数额,所述支付数额包含多种支付类型的数额; 支付单据生成模块,用于生成支付单据,并在所述支付单据中写入支付数额的类型以及每种支付类型的数额; 支付模块,用于按所述支付单据,将所述用户账户中对应支付类型的数额进行减少,以完成支付行为。 A payment behavior processing apparatus comprising: request receiving means for receiving the user terminal sends a request to pay behavior, indicating the amount of payment to the user request, the payment amount comprises multiple payment types amount; payment document generation module for generating payment documents, the amount and type of the write amount of payment for each payment type and payment of the invoice; payment module, according to the document cover, the user account the amount corresponding payment types were reduced to complete payment behavior.
  7. 7.根据权利要求6所述的装置,其中,所述多种支付类型包括第一支付类型和第二支付类型,所述装置还包括: 第一数额接收模块,用于接收所述终端发送的所述用户待支付的第一支付类型的第一数额; 第二数额计算模块,用于获取支付项目的多种支付类型的额定支付数额,根据所述支付项目的额定支付数额、预设的所述多种支付类型相关的转换关系以及所述第一数额,计算出所述用户待支付的第二支付类型的第二数额; 第二数额发送模块,用于将所述第二数额发送给所述终端。 7. The device according to claim 6, wherein said plurality of payment type comprises a first and a second type of payment payment type, said apparatus further comprising: a first amount receiving module, for receiving the transmitted terminal the first type of user first payment amount to be paid; second amount calculating module, configured to obtain the nominal amount paid multiple payment types of payment items, rated according to the amount of payment of the payment program, the preset said multiple payment types associated conversion relation and the first amount, the second amount is calculated a second type of user payment to be paid; the amount of the second transmitting module, configured to send to the amount of the second said terminal.
  8. 8.根据权利要求6所述的装置,其中,所述多种支付类型包括第一支付类型和第二支付类型,所述装置还包括: 第三数额获取模块,用于获取所述用户账户中的第一支付类型的数额作为第三数额; 第四和第五数额计算模块,用于获取支付项目的多种支付类型的额定支付数额,根据所述支付项目的额定支付数额、预设的所述多种支付类型相关的转换关系以及所述第三数额,计算出所述用户待支付的第一支付类型的第四数额和第二支付类型的第五数额,其中,所述第四数额=所述第三数额且所述第五数额> O,或所述第五数额=O且O <所述第四数额<第三数额; 第四和第五数额发送模块,用于将所述第四数额和所述第五数额发送给所述终端。 The third level of the user account acquisition module, configured to obtain the: 8. The apparatus according to claim 6, wherein said plurality of payment type comprises a first and a second type of payment payment type, said apparatus further comprising the amount of the first payment amount as a third type; fourth and fifth amount calculating means for obtaining the nominal amount paid payment item multiple payment types, the rated according to the amount of payment of the payment program, the preset said multiple payment types associated conversion relation and the third amount, the fifth calculated amount to be paid to the first user payment amount and a second type of a fourth type of payment, wherein the amount of the fourth = the amount of the third and the fifth level of> O, or = O and the amount of the fifth O <said fourth amounts <third amount; amount fourth and fifth transmitting means for said first four fifth amount and the amount to the terminal.
  9. 9.根据权利要求6至8中任一项所述的装置,其中,还包括: 提示模块,用于获取所述用户账户中的所述多种支付类型的数额,并根据所述用户账户中的所述多种支付类型的数额中的非零数额,生成提示信息并发送给所述终端。 Prompt module, configured to obtain the amount of the payment type in the plurality of user accounts, according to the user account: 6-1 9. A device according to any of claim 8, wherein, further comprising It said plurality of non-zero amount which payment types, the message generated and sent to the terminal.
  10. 10.一种服务器,其包括: 根据权利要求6至9中任一项所述的支付行为处理装置。 10. A server, comprising: a payment process according to claim 6-1 in any of the processing apparatus 9.
CN 201410509431 2014-09-28 2014-09-28 Payment behavior processing method and device and server CN104299129A (en)

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CN101124597A (en) * 2004-03-26 2008-02-13 花旗信贷服务公司 Methods and systems for integration of multiple rewards programs
CN101390121A (en) * 2006-02-21 2009-03-18 第一数据公司 Customer selected coalition systems and methods
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