Summary of the invention
One of technical problem that the application is intended to solve in correlation technique the most to a certain extent.
To this end, the first of the application purpose is to propose a kind of method of payment based on immediate communication tool, the method is for using
Family is initiated gathering operation in immediate communication tool and is provided condition, facilitates user and completes to pay at immediate communication tool, keeps away
Exempt from user and know the business account of corresponding paying party, and the industry of the corresponding paying party of input in corresponding Third-party payment instrument
The trouble of business account, simplifies the delivery operation of user.
Second purpose of the application is to propose a kind of method of payment based on immediate communication tool.
3rd purpose of the application is to propose a kind of method of payment based on immediate communication tool.
4th purpose of the application is to propose a kind of method of payment based on immediate communication tool.
5th purpose of the application is to propose a kind of method of payment based on immediate communication tool.
6th purpose of the application is to propose a kind of method of payment based on immediate communication tool.
7th purpose of the application is to propose a kind of method of payment based on immediate communication tool.
8th purpose of the application is to propose a kind of payment mechanism based on immediate communication tool.
9th purpose of the application is to propose a kind of payment mechanism based on immediate communication tool.
Tenth purpose of the application is to propose a kind of payment mechanism based on immediate communication tool.
11st purpose of the application is to propose a kind of payment mechanism based on immediate communication tool.
12nd purpose of the application is to propose a kind of payment mechanism based on immediate communication tool.
13rd purpose of the application is to propose a kind of payment mechanism based on immediate communication tool.
14th purpose of the application is to propose a kind of payment mechanism based on immediate communication tool.
For reaching above-mentioned purpose, the application first aspect embodiment proposes a kind of method of payment based on immediate communication tool, bag
Including: receive the gathering instruction of beneficiary, described gathering instruction includes the communication account of beneficiary, the communication account of paying party with
And the collection amount of correspondence;And receive the payment instruction that the described gathering of paying party response instructs, and leading to described paying party
News account binding payment business server initiate payment request, in order to described payment business server according to described payment request,
The business account of the paying party bound from the communication account with paying party by described Payment Amount proceeds to the communication account with beneficiary
In the business account of the beneficiary of binding.
The method of payment based on immediate communication tool of the embodiment of the present application, receives the communication comprising beneficiary that beneficiary sends
The gathering of account, the communication account of paying party and collection amount instructs, and the payment receiving paying party response gathering instruction refers to
Order, and the payment business server initiation payment request bound to the communication account of paying party, in order to payment business server root
According to payment request, the business account of the paying party bound from the communication account with paying party by Payment Amount proceeds to and beneficiary
In the business account of the beneficiary of communication account binding.Thus, in immediate communication tool, initiate gathering operation for user to provide
Condition, facilitate user and complete to pay at immediate communication tool, it is to avoid user knows the business account of corresponding paying party,
And in corresponding Third-party payment instrument the trouble of the business account of the corresponding paying party of input, simplify the delivery operation of user.
For reaching above-mentioned purpose, the application second aspect embodiment proposes a kind of method of payment based on immediate communication tool, bag
Include: receive the Receiving information of beneficiary;And send gathering instruction, described receipts based on described Receiving information to communication server
Money instruction includes the communication account of beneficiary, the communication account of paying party and the collection amount of correspondence, in order to by described communication
The payment business server that server is bound to the communication account with paying party initiates payment request so that described payment business takes
Business device is according to described payment request, by the business account of the paying party that described Payment Amount is bound from the communication account with paying party
Proceed in the business account of the beneficiary that the communication account with beneficiary is bound.
The method of payment based on immediate communication tool of the embodiment of the present application, receives the Receiving information of beneficiary, and according to gathering
Information comprises the collection amount of the communication account of beneficiary, the communication account of paying party and correspondence to communication server transmission
Gathering instruction, thus, facilitate user and initiates gathering operation in immediate communication tool, it is to avoid user be in order to initiate to collect money
Operate and need to know the business account of corresponding paying party, and input correspondence paying party in corresponding Third-party payment instrument
The trouble of business account, simplifies the gathering operation of user, improves user experience.
For reaching above-mentioned purpose, the application third aspect embodiment proposes a kind of method of payment based on immediate communication tool, bag
Include: receive the payment message of paying party;And instruct to communication server Sending Payments based on described payment information, described pair
Money instruction includes the communication account of paying party, the communication account of beneficiary and the collection amount of correspondence, in order to by Communications service
The payment business server that device is bound to the communication account of paying party initiates payment request so that described payment business server root
According to described payment request, the business account of the paying party that described Payment Amount is bound from the communication account with paying party proceed to
In the business account of the beneficiary of the communication account binding of beneficiary.
The method of payment based on immediate communication tool of the embodiment of the present application, receives the payment message of paying party, and based on payment
Information comprises the collection amount of the communication account of paying party, the communication account of beneficiary and correspondence to communication server transmission
Payment instruction, in order to the payment business server bound to the communication account of paying party by communication server initiates payment request,
Make payment business server according to payment request, by the industry of the paying party that Payment Amount is bound from the communication account with paying party
In the business account of the beneficiary that business account proceeds to the communication account binding with beneficiary, thus so that user is in instant messaging
Instrument can complete the payment to beneficiary, it is to avoid user needs to know the business of corresponding paying party to complete to pay
Account, and the trouble of the business account of the corresponding paying party of input in corresponding Third-party payment instrument, delivery operation is the most square
Just, improve user experience.
For reaching above-mentioned purpose, the application fourth aspect embodiment proposes a kind of method of payment based on immediate communication tool, bag
Include: receiving the payment request sent by communication server, described payment request includes the business account of paying party, beneficiary
Business account and Payment Amount;And described Payment Amount is proceeded to from the business account of described paying party the business of beneficiary
In account.
The method of payment based on immediate communication tool of the embodiment of the present application, receives and comprises payment by what communication server sent
Business account, the business account of beneficiary and the payment request of Payment Amount of side, and by Payment Amount from the business of paying party
Account proceeds in the business account of paying party.Thus, complete the paying party payment to beneficiary, facilitate user by logical
News account completes to pay, it is to avoid user needs to know the business account of corresponding paying party to complete to pay, and in correspondence
Third-party payment instrument in the trouble of business account of the corresponding paying party of input, simplify the delivery operation of user.
For reaching above-mentioned purpose, the application the 5th aspect embodiment proposes a kind of method of payment based on immediate communication tool, bag
Include: receiving the payment request sent by communication server, described payment request includes the communication account of paying party, beneficiary
Business account and Payment Amount;And the communication account according to described paying party, it is thus achieved that with the industry of described communication account binding
Business account, proceeds to described Payment Amount the business account of described paying party from described business account.
The method of payment based on immediate communication tool of the embodiment of the present application, receives and comprises payment by what communication server sent
Communication account, the business account of beneficiary and the payment request of Payment Amount of side, and according to the communication account of paying party, obtain
Payment Amount must be proceeded to from business account the business account of paying party with the business account of communication account binding.Thus,
Complete the paying party payment to beneficiary, facilitate user and complete to pay by communication account, it is to avoid user be in order to complete
Pay and need to know the business account of corresponding paying party, and the corresponding paying party of input in corresponding Third-party payment instrument
The trouble of business account, simplifies the delivery operation of user.
For reaching above-mentioned purpose, the application the 6th aspect embodiment proposes a kind of method of payment based on immediate communication tool, bag
Including: receive the gathering sent by communication server and ask, described gathering request includes the communication account of beneficiary, paying party
Communication account and collection amount;Communication account according to described beneficiary, it is thus achieved that with the business account of described communication account binding
Number, and set up virtual account for described business account, described virtual account is returned to described as the business account of beneficiary
Communication server.
The method of payment based on immediate communication tool of the embodiment of the present application, receives and comprises gathering by what communication server sent
The gathering request of communication account, the communication account of paying party and the collection amount of side;And the communication account according to beneficiary,
Obtain and the business account of communication account binding, and set up virtual account for business account, using virtual account as beneficiary
Business account returns to communication server.Thus, return the business account of beneficiary for communication server, facilitate follow-up
Business account according to beneficiary completes the paying party payment to beneficiary.
For reaching above-mentioned purpose, the application the 7th aspect embodiment proposes a kind of method of payment based on immediate communication tool, bag
Including: receive the gathering sent by communication server and ask, described gathering request includes the business account of beneficiary, paying party
Communication account and collection amount;Business account for described beneficiary sets up virtual account, using described virtual account as receipts
The business account of money side returns to described communication server.
The method of payment based on immediate communication tool of the embodiment of the present application, receives and comprises gathering by what communication server sent
The gathering request of communication account, the communication account of paying party and the collection amount of side;And the communication account according to beneficiary,
Obtain and the business account of communication account binding, and set up virtual account for business account, using virtual account as beneficiary
Business account returns to communication server.Thus, return the business account of beneficiary for communication server, facilitate follow-up
Business account according to beneficiary completes the paying party payment to beneficiary.
For reaching above-mentioned purpose, the application eighth aspect embodiment proposes a kind of payment mechanism based on immediate communication tool, bag
Including: the first receiver module, for receiving the gathering instruction of beneficiary, described gathering instruction includes the communication account of beneficiary,
The communication account of paying party and the collection amount of correspondence;And processing module, it is used for receiving the paying party described gathering of response and refers to
The payment instruction of order, and the payment business server initiation payment request bound to the communication account of described paying party, in order to institute
State payment business server according to described payment request, the payment bound from the communication account with paying party by described Payment Amount
The business account of side proceeds to the business account of the beneficiary of the communication account binding with beneficiary.
The payment mechanism based on immediate communication tool of the embodiment of the present application, the first receiver module receives comprising of beneficiary transmission
The gathering instruction of the communication account of beneficiary, the communication account of paying party and collection amount, and processing module reception paying party
The payment instruction of response gathering instruction, and the payment business server initiation payment request bound to the communication account of paying party,
So that payment business server is according to payment request, by the industry of the paying party that Payment Amount is bound from the communication account with paying party
In the business account of the beneficiary that business account proceeds to the communication account binding with beneficiary.Thus, for user in instant messaging work
Tool is initiated gathering operation and provides condition, facilitate user and complete to pay at immediate communication tool, it is to avoid it is right that user is known
The business account of account payable side, and the trouble of the business account of the corresponding paying party of input in corresponding Third-party payment instrument,
Simplify the delivery operation of user.
For reaching above-mentioned purpose, the application the 9th aspect embodiment proposes a kind of payment mechanism based on immediate communication tool, bag
Include: receiver module, for receiving the Receiving information of beneficiary;And sending module, it is used for based on described Receiving information to logical
Inquiry server sends gathering instruction, and described gathering instruction includes the communication account of beneficiary, the communication account of paying party and right
The collection amount answered, in order to the payment business server bound to the communication account with paying party by described communication server is initiated
Payment request so that described payment business server is according to described payment request, by logical from paying party of described Payment Amount
In the business account of the beneficiary that the business account of the paying party of news account binding proceeds to the communication account binding with beneficiary.
The payment mechanism based on immediate communication tool of the embodiment of the present application, receiver module receives the Receiving information of beneficiary, so
Rear sending module according to Receiving information to communication server send comprise the communication account of beneficiary, paying party communication account with
And the gathering instruction of the collection amount of correspondence, thus, facilitate user in immediate communication tool, initiate gathering operation, it is to avoid
User needs to know the business account of corresponding paying party to initiate gathering operation, and at corresponding Third-party payment instrument
The trouble of the business account of the corresponding paying party of middle input, simplifies the gathering operation of user, improves user experience.
For reaching above-mentioned purpose, the application the tenth aspect embodiment proposes a kind of payment mechanism based on immediate communication tool, bag
Include: the first receiver module, for receiving the payment message of paying party;And sending module, for based on described payment information
To communication server Sending Payments instruct, described payment instruction include the communication account of paying party, beneficiary communication account with
And the collection amount of correspondence, in order to initiated to pay to the payment business server that the communication account of paying party is bound by communication server
Money is asked so that described payment business server is according to described payment request, by described Payment Amount from the communication with paying party
In the business account of the beneficiary that the business account of the paying party of account binding proceeds to the communication account binding with beneficiary.
The payment mechanism based on immediate communication tool of the embodiment of the present application, receives the payment of paying party by the first receiver module
Message, and based on payment information to communication server send comprise the communication account of paying party, the communication account of beneficiary and
The payment instruction of corresponding collection amount, in order to the payment business service bound to the communication account of paying party by communication server
Payment request initiated by device so that payment business server is according to payment request, by Payment Amount from the communication account with paying party
In the business account of the beneficiary that the business account of the paying party of binding proceeds to the communication account binding with beneficiary, thus, make
User in sight time communication tool in can complete the payment to beneficiary, it is to avoid user needs to know to complete to pay
The business account of corresponding paying party, and the trouble of the business account of the corresponding paying party of input in corresponding Third-party payment instrument,
Delivery operation is simple and convenient, improves user experience.
For reaching above-mentioned purpose, the application the 11st aspect embodiment proposes a kind of payment mechanism based on immediate communication tool,
Including: receiver module, for receiving the payment request sent by communication server, described payment request includes paying party
Business account, the business account of beneficiary and Payment Amount;And processing module, it is used for described Payment Amount from described pair
The business account of money side proceeds in the business account of beneficiary.
The payment mechanism based on immediate communication tool of the embodiment of the present application, receiver module reception is sent by communication server
Comprising the business account of paying party, the business account of beneficiary and the payment request of Payment Amount, then processing module will payment
The amount of money proceeds to from business account the business account of paying party.Thus, complete the paying party payment to beneficiary, facilitate
User completes to pay by communication account, it is to avoid user needs to know the business account of corresponding paying party to complete to pay,
And in corresponding Third-party payment instrument the trouble of the business account of the corresponding paying party of input, simplify the delivery operation of user.
For reaching above-mentioned purpose, the application the 12nd aspect embodiment proposes a kind of payment mechanism based on immediate communication tool,
Including: receiver module, for receiving the payment request sent by communication server, described payment request includes paying party
Communication account, the business account of beneficiary and Payment Amount;And processing module, for the communication account according to described paying party
Number, it is thus achieved that with the business account of described communication account binding, described Payment Amount is proceeded to described payment from described business account
In the business account of side.
The payment mechanism based on immediate communication tool of the embodiment of the present application, is received by receiver module and is sent out by communication server
The gathering request of the communication account comprising beneficiary, the communication account of paying party and the collection amount that send;And processing module root
Communication account according to beneficiary, it is thus achieved that the business account bound with communication account, and set up virtual account for business account, will
Virtual account returns to communication server as the business account of beneficiary.Thus, beneficiary is returned for communication server
Business account, facilitates the follow-up business account according to beneficiary and completes the paying party payment to beneficiary.
For reaching above-mentioned purpose, the application the 13rd aspect embodiment proposes a kind of payment mechanism based on immediate communication tool,
Receiver module, is asked for receiving the gathering sent by communication server, and described gathering request includes the communication account of beneficiary
Number, the communication account of paying party and collection amount;Processing module, for the communication account according to described beneficiary, it is thus achieved that with
The business account of described communication account binding, and set up virtual account for described business account, using described virtual account as receipts
The business account of money side returns to described communication server.
The payment mechanism based on immediate communication tool of the embodiment of the present application, is received by receiver module and is sent out by communication server
The gathering request of the communication account of the beneficiary sent, the communication account of paying party and collection amount, and processing module is for collecting money
The business account of side sets up virtual account, and virtual account returns to the clothes of immediate communication tool as the business account of beneficiary
Business device.Thus, return the business account of beneficiary for communication server, facilitate the follow-up business account according to beneficiary
Complete the paying party payment to beneficiary.
For reaching above-mentioned purpose, the application fourteenth aspect embodiment proposes a kind of payment mechanism based on immediate communication tool,
Including: receiver module, to ask for receiving the gathering sent by communication server, described gathering request includes beneficiary
Business account, the communication account of paying party and collection amount;Processing module, sets up for the business account for described beneficiary
Virtual account, returns to described communication server using described virtual account as the business account of beneficiary.
The payment mechanism based on immediate communication tool of the embodiment of the present application, is received by receiver module and is sent out by communication server
The gathering request of the business account of the beneficiary sent, the communication account of paying party and collection amount, and processing module is for collecting money
The business account of side sets up virtual account, and virtual account returns to the clothes of immediate communication tool as the business account of beneficiary
Business device.Thus, return the business account of beneficiary for communication server, facilitate the follow-up business account according to beneficiary
Complete the paying party payment to beneficiary.
Detailed description of the invention
Embodiments herein is described below in detail, and the example of embodiment is shown in the drawings, the most identical or class
As label represent same or similar element or there is the element of same or like function.Describe below with reference to accompanying drawing
Embodiment is exemplary, it is intended to be used for explaining the application, and it is not intended that restriction to the application.
Below with reference to the accompanying drawings method of payment based on immediate communication tool and the device of the embodiment of the present application are described.
Fig. 1 is the flow chart of the method for payment based on immediate communication tool of first embodiment of the application, and this embodiment is from logical
Inquiry server (server of immediate communication tool) side is described.
As it is shown in figure 1, should method of payment based on immediate communication tool include:
S101, receives the gathering instruction of beneficiary, and gathering instruction includes the communication account of the communication account of beneficiary, paying party
And the collection amount of correspondence.
During group chat, beneficiary can initiate gathering operation by the input Receiving information multiple paying parties in chat group.
Specifically, beneficiary is during input information, and instant communication client receives beneficiary letter of input in chat group
Breath, and judge whether above-mentioned information is Receiving information, if Receiving information, then generate gathering instruction according to Receiving information, and
Gathering instruction is sent to communication server.
Wherein, the form of the Receiving information of this embodiment has multiple, and such as, user is the Receiving information of editor in chat group
Form is " gathering reason, pay the bill number N/ collection amount M ", and this Receiving information represents to be divided N number of by collection amount M
User.
The most such as, user's form of Receiving information of editor in chat group is that " $ collects money reason, and@user 1, amount of money A ,@
User 2, amount of money B ", this Receiving information represents that the amount of money to user 1 gathering is A, and the amount of money to user 2 gathering is B.
Residual can complete the payment to beneficiary for convenience, and communication server, can root after receiving gathering instruction
The business account of beneficiary is obtained according to the communication account of the beneficiary in gathering instruction.Right due to communication account and business account
Should be related to and can be pre-stored in communication server, it is also possible to be pre-stored in and the gathering business service of communication account binding
In device.For both of these case, the process that communication server obtains the business account of beneficiary is different, below for both
Situation is introduced respectively:
(1) when corresponding relation is saved in communication server, what communication server reception client sent comprises beneficiary
After the gathering instruction of the collection amount of communication account, the communication account of multiple paying party and correspondence, can leading to according to beneficiary
News account obtains the business account of beneficiary from the corresponding relation between the communication account pre-saved and business account.
Such as, user is using during telecommunication customer end, can by operation by the communication account of oneself and Alipay account,
Wealth pays the binding of the business account such as logical account and bank's card number, and communication server will preserve the logical of beneficiary according to the operation of user
News account and the corresponding relation of business account.After communication server receives the gathering instruction that beneficiary sends, can be from preservation
Corresponding relation in obtain and the business account of the communication account of beneficiary binding.
(2) when the corresponding relation of communication account Yu business account is saved in service server, communication server is receiving receipts
After the gathering instruction of money side, can be to the gathering service server transmission gathering request bound with beneficiary.Gathering business service
Device receives gathering request, and according to the communication account of beneficiary from the corresponding relation of the communication account pre-saved Yu business account
The business account of middle acquisition beneficiary, then returns the business account of the beneficiary obtained to communication server.Communications service
Device receives the business account of the beneficiary that beneficiary server returns.
S102, receives the payment instruction of paying party response gathering instruction, and the payment business bound to the communication account of paying party
Server initiates payment request, in order to payment business server is according to payment request, by Payment Amount from the communication with paying party
In the business account of the beneficiary that the business account of the paying party of account binding proceeds to the communication account binding with beneficiary.
It should be noted that payment business server and gathering service server in this embodiment are same server, it is possible to
For different servers.Such as, payment business server can be Alipay server, and gathering service server can be reason
Wealth leads to server.
The communication account of oneself can be bound by generally user with polytype business account, and such as, user is by the communication of oneself
Account and Alipay account, wealth pay the binding of the business account such as logical account and bank's card number.Therefore, can be in communication server
Pre-save communication account and the corresponding relation of business account type, in order to determine beneficiary according to business account type and pay
The service server of money side's binding.
Specifically, after communication server receives the gathering instruction of beneficiary, can send to corresponding paying party place client and receive
Money instructs, and corresponding client receives the gathering instruction that communication server returns, and according to gathering instruction beneficiary place visitor
Showing presupposed information in the end of family, wherein, presupposed information can be a confirmation option, or, a virtual ACK button, or
Prompting user inputs the information of customizing messages.
When the presupposed information that beneficiary client shows is the information that prompting user inputs customizing messages, beneficiary can root
According to the payment information that information input is corresponding, client receives the payment message of paying party input, then according to payment message
Generate payment instruction, and instruct to communication server Sending Payments.Wherein, payment instruction can include the communication account of paying party
Number, the communication account of beneficiary and the Payment Amount of correspondence.
Such as, in client, the information of display is " if wanting to pay beneficiary, please send " I to pay the bill " ".This
Time, beneficiary can input the payment information of " I to pay the bill " according to information, and client receives the payment of beneficiary input
Information, and generate payment instruction according to payment information, and instruct to communication server Sending Payments.
When the presupposed information that beneficiary client shows is a confirmation option or a virtual ACK button, beneficiary client
Reception user is to confirming option or the trigger action of ACK button, and generates payment instruction according to the trigger action of user, and
Instruct to communication server Sending Payments.Wherein, payment instruction includes the communication account of the communication account of paying party, beneficiary
With corresponding Payment Amount.
Such as, paying party client shows that one confirms option or virtual ACK button, paying party click on confirm option or
After ACK button, client shows payment interface as shown in Figure 2, and paying party can input Alipay password, and click determines
After button, client receives the trigger action of beneficiary, and generates payment instruction according to the trigger action of user, then to logical
Inquiry server sends the payment instruction of the Payment Amount comprising the communication account of paying party, the communication account of beneficiary and correspondence.
After communication server receives the payment instruction of paying party response gathering instruction, can be according to payment instruction to gathering server
Initiate payment request, so that payment server completes the paying party payment to beneficiary according to payment request.
Due to communication account and business account corresponding relation at the payment process corresponding to communication server and service server not
With, therefore, separately below the payment process of this two situation is introduced:
A (), when corresponding relation is saved in communication server, communication server is receiving the payment instruction that paying party sends
After, the business account of beneficiary and paying party can be obtained from the corresponding relation of the communication account pre-saved and business account
Business account.
After the business account of the business account and beneficiary that obtain beneficiary, communication server can be to the communication account with paying party
Number binding payment business server initiate payment request, wherein, payment request comprises the business account of beneficiary, payment
The business account of side and Payment Amount.Payment business server receives the payment request that communication server is initiated, and according to payment
Payment Amount is proceeded to the business account of beneficiary by request from the business account of paying party.
B (), when the corresponding relation of communication account Yu business account is saved in service server, communication server is receiving
After the payment instruction that paying party sends, first can obtain the business account of beneficiary according to the communication account of the beneficiary in payment instruction
Number, the business account of this beneficiary is that communication server obtains from gathering service server.
Communication server, after the business account obtaining beneficiary, can initiate payment to the payment business server of paying party binding
Request, wherein, carries the business account of beneficiary, the communication account of paying party and Payment Amount in payment request.
Payment business server receives the payment request that communication server sends, and the communication account according to paying party is first from advance
The communication account preserved and the corresponding relation of business account obtain the business account of paying party, then by Payment Amount from payment
The business account of side proceeds in the business account of beneficiary.
In order to provide a safe and reliable means of payment, in this embodiment, the business service of beneficiary can also basis
The business account of beneficiary creates a virtual account, and wherein, virtual account is for keeping in the amount of money that paying party is paid.
Owing to the corresponding relation of communication account Yu business account can be pre-stored in communication server, it is also possible to pre-save
In service server (payment business server and gathering service server), cause the process paid different.Therefore, under
Face illustrate in two kinds of situation by virtual account complete pay process:
(1), when pre-saving the corresponding relation of communication account and business account in service server, corresponding payment process is:
After communication server receives the payment instruction of paying party response gathering instruction, can be to the gathering business service of beneficiary binding
Device sends gathering request, obtains the gathering corresponding to communication account of beneficiary according to gathering request with instruction gathering service server
The business account of side, and the business account for beneficiary sets up corresponding virtual account and returns.Communication server obtains gathering
The virtual account that service server returns, and please to the payment business server initiation payment that paying party is bound according to payment instruction
Asking, wherein, payment request includes virtual account, the communication account of paying party and Payment Amount.
Payment business server receives the payment request that communication server sends, and can be according to the communication account of paying party from advance
The communication account preserved and the corresponding relation of business account obtain the business account of paying party, then by Payment Amount from payment
The business account of side proceeds in virtual account, in order to when the gathering service server collected money Xiang Jun in virtual account proceeds to,
The amount of money in virtual account is proceeded in the business account of beneficiary.
(2), when having the corresponding relation preserving communication account and business account in advance in communication server, payment direction beneficiary props up
The process paid is:
In this embodiment, before the payment business server bound to paying party initiates payment request, it is also possible to according to receipts
The communication account of money side obtains the communication account with beneficiary from the corresponding relation of the communication account pre-saved and business account
The business account of corresponding beneficiary.
Communication server, after the business account obtaining beneficiary, can send gathering to the gathering service server of beneficiary binding
Request, the business account with instruction gathering service server as beneficiary is set up corresponding virtual account and returns.
It addition, communication server can be corresponding with business account from the communication account pre-saved according to the communication account of paying party
Relation obtains the business account of the paying party corresponding with the communication account of paying party.Communication server is obtaining the industry of paying party
After business account and virtual account, payment request, wherein, payment request can be initiated to the payment business server of paying party binding
In carry virtual account, the business account of paying party and Payment Amount.
Payment business server receive payment request, and can according to payment request can by payment business server by Payment Amount from
The business account of paying party proceeds in virtual account, in order to the gathering service server collected money Xiang Jun in virtual account proceeds to
Time, the amount of money in virtual account is proceeded in the business account of beneficiary.
In this embodiment, Payment Amount is being proceeded to the business of beneficiary by payment business server from the business account of paying party
After account, returning to communication server and pay successfully instruction, communication server receives the payment that payment business server returns
Successfully instruction, and return the successful information of payment to the client of paying party and beneficiary.
When Payment Amount is not proceeded to the business account of beneficiary by payment business server from the business account of paying party, i.e. pay
During failure, payment business server can return to communication server and pay failed instruction, and communication server receives payment business
What server returned pays failed instruction, and returns, to the client of paying party and beneficiary, the information that payment is failed,
Currently paying unsuccessful with prompting user, user can complete according to information to pay again.
The method of payment based on immediate communication tool of the embodiment of the present application, receives the communication comprising beneficiary that beneficiary sends
The gathering of account, the communication account of paying party and collection amount instructs, and the payment receiving paying party response gathering instruction refers to
Order, and the payment business server initiation payment request bound to the communication account of paying party, in order to payment business server root
According to payment request, the business account of the paying party bound from the communication account with paying party by Payment Amount proceeds to and beneficiary
In the business account of the beneficiary of communication account binding.Thus, in immediate communication tool, initiate gathering operation for user to provide
Condition, facilitate user and complete to pay at immediate communication tool, it is to avoid user knows the business account of corresponding paying party,
And in corresponding Third-party payment instrument the trouble of the business account of the corresponding paying party of input, simplify the delivery operation of user.
Fig. 3 is the flow chart of the method for payment based on immediate communication tool of one specific embodiment of the application.This embodiment with
Gathering service server and payment business server are Alipay server, and the corresponding relation of communication account and payment accounts
It is described as a example by being saved in Alipay server, as it is shown on figure 3, should method of payment based on immediate communication tool include:
S301, beneficiary client receives the Receiving information that beneficiary sends, and sends to communication server based on Receiving information
Gathering instruction.
Wherein, gathering instruction includes the communication account of beneficiary, the communication account of paying party and the collection amount of correspondence.
Such as, as shown in Figure 4, as seen in Figure 4, patent exchanges the user in group to beneficiary client current interface
Have a dinner party at weekend, it is assumed that three users in Current patents exchange group are respectively little Mei, Xiao Ming and little Hua, and weekend
Expense of having a dinner party is paid by little Mei, i.e. beneficiary is the Receiving information edited of little Mei, little Mei for " weekend sumptuous meal, 2/100 ",
I.e. Xiao Ming in chat group and little Hua each needs to pay little Mei 50 yuan, at beneficiary editor's Receiving information and click on send button
After, client receives the Receiving information of beneficiary input, and sends gathering instruction according to Receiving information to communication server.
S302, communication server receives the gathering instruction that beneficiary client sends, and please to the transmission gathering of Alipay server
Ask.
Wherein, gathering request comprises the communication account of beneficiary, the communication account of paying party and Payment Amount.
S303, Alipay server receives the gathering request that communication server sends, and sets up virtual account according to gathering request,
And virtual account is returned to communication server as the business account of beneficiary.
Specifically, Alipay server according to gathering request in beneficiary communication account from the communication account pre-saved with
The corresponding relation of business account obtains and the business account of communication account binding, and set up a virtual account for this business account
Number.Then the virtual account set up is returned to communication server as the business account of beneficiary.
S304, communication server receives and preserves the business account of the beneficiary that Alipay server returns.
S305, paying party client receives the payment information of paying party, and based on payment information to communication server Sending Payments
Instruction.
Wherein, payment instruction can include the communication account of paying party, the communication account of beneficiary and the payment amount of correspondence.
Such as, the interface shown in the current interface of paying party client is as shown in Figure 5, it is assumed that the use paid the bill in Fig. 5
Family is Xiao Ming, and now, pending payment Fang Wei little flower, pending payment side is in input payment information " I to pay the bill ", and clicks on transmission
After button, client shows the payment page as shown in Figure 2, and user can select used account type according to demand, if
User selects to be paid by Alipay, now, inputs the Alipay password of correspondence, and click in the payable page of user
ACK button, client receives the trigger action of user, and generates payment instruction according to the trigger action of user, then to logical
Inquiry server Sending Payments instruct, wherein, payment instruction comprises the communication account of paying party, the communication account of beneficiary and
Corresponding Payment Amount.
S306, communication server receives the payment instruction that paying party client sends, and please to the initiation payment of Alipay server
Ask.
Specifically, communication server obtains the payment gold comprising the communication account of paying party, the communication account of beneficiary and correspondence
After volume, the business account of beneficiary can be obtained according to the communication account of beneficiary, then send to comprise to Alipay server and pay
The payment request of the collection amount of the communication account of money side, the business account of beneficiary and correspondence.
S307, Alipay server receive communication server send payment request, and according to payment request by Payment Amount from
The business account of paying party proceeds to return in the business account of beneficiary, to communication server pay successfully instruction.
S308, communication server receives the payment that Alipay server returns and successfully instructs, and to beneficiary and paying party
Client returns and pays successfully instruction, so that the client display of beneficiary and paying party pays successful information.
Specifically, Alipay server, after completing to pay, can return to communication server and pay successfully instruction, communication garment
Payment successfully instruction is returned to beneficiary client and paying party client by business device, shows and pay in corresponding client
The information of merit.The information that paying party client shows is as shown in Figure 6.
Above-mentioned method of payment based on immediate communication tool, facilitates user and initiates gathering operation in immediate communication tool, right
The paying party answered can complete payment in immediate communication tool, and user operation is simple and convenient, decreases the delivery operation of user
Step, improves user experience.
Fig. 6 is the flow chart of the method for payment based on immediate communication tool of second embodiment of the application, and this embodiment is from visitor
Side, family is described, and as shown in Figure 6, should method of payment based on immediate communication tool include:
S601, receives the Receiving information of beneficiary.
Wherein, client is positioned in terminal, and above-mentioned terminal can be that computer, panel computer, mobile phone etc. have operating system
Hardware device.Client can be with immediate communication tools such as QQ, dealing, wechat.
Specifically, user is in chat group during chat, and beneficiary can be many to chat group by input Receiving information
Individual user initiates gathering operation, and client receives the Receiving information of beneficiary input.
Wherein, the form of the Receiving information of this embodiment has multiple.Such as, user's Receiving information of editor in chat group
Form is " gathering reason, pay the bill number N/ collection amount M ", and this Receiving information represents to be divided N number of by collection amount M
User.
The most such as, user's form of Receiving information of editor in chat group is that " $ collects money reason, and@user 1, amount of money A ,@
User 2, amount of money B ", this Receiving information represents that the amount of money to user 1 gathering is A, and the amount of money to user 2 gathering is B.
S602, based on Receiving information to communication server send gathering instruction, gathering instruction include beneficiary communication account,
The communication account of paying party and the collection amount of correspondence, in order to by communication server to paying that the communication account of paying party is bound
Money service server initiates payment request so that payment business server according to payment request, by Payment Amount from paying party
The business account of paying party of communication account binding proceed to the business account of beneficiary of communication account binding with beneficiary
In.
Specifically, after client obtains the Receiving information of beneficiary input, bag can be sent based on Receiving information to communication server
The gathering instruction of the collection amount of communication account, the communication account of paying party and correspondence containing beneficiary.Communication server connects
Gathering instructs, and the payment business server bound to the communication account with paying party according to gathering instruction initiates payment request,
Make payment business server according to payment request, by the industry of the paying party that Payment Amount is bound from the communication account with paying party
In the business account of the beneficiary that business account proceeds to the communication account binding with beneficiary.
The method of payment based on immediate communication tool of the embodiment of the present application, receives the Receiving information of beneficiary, and according to gathering
Information comprises the collection amount of the communication account of beneficiary, the communication account of paying party and correspondence to communication server transmission
Gathering instruction, thus, facilitate user and initiates gathering operation in immediate communication tool, it is to avoid user be in order to initiate to collect money
Operate and need to know the business account of corresponding paying party, and input correspondence paying party in corresponding Third-party payment instrument
The trouble of business account, simplifies the gathering operation of user, improves user experience.
Fig. 7 is the flow chart of the method for payment based on immediate communication tool of the 3rd embodiment of the application, and this embodiment is from visitor
Side, family is described, as it is shown in fig. 7, should method of payment based on immediate communication tool include:
S701, receives the payment message of paying party.
Wherein, client is positioned in terminal, and above-mentioned terminal can be that computer, panel computer, mobile phone etc. have operating system
Hardware device.Client can be with immediate communication tools such as QQ, dealing, wechat.
Specifically, after paying party obtains beneficiary initiation gathering operation, paying party can input the payment of correspondence in chat group
Information, wherein, as it is shown in figure 5, as seen in Figure 5, paying party inputs the form of the payment information of paying party input
Payment information be "@I to pay the bill ".
S702, based on payment information to communication server Sending Payments instruct, payment instruction include paying party communication account,
The communication account of beneficiary and the collection amount of correspondence, in order to by communication server to paying that the communication account of paying party is bound
Money service server initiates payment request so that payment business server according to payment request, by Payment Amount from paying party
The business account of paying party of communication account binding proceed to the business account of beneficiary of communication account binding with beneficiary
In.
In this embodiment, based on payment information to communication server Sending Payments instruct before, it is also possible to receive communication garment
The gathering instruction that business device Receiving information based on beneficiary sends, and show presupposed information on the client according to gathering instruction,
So that beneficiary sends the payment instruction of response gathering instruction according to presupposed information.Wherein, presupposed information can be a confirmation choosing
, or, a virtual ACK button, or point out user to input the information of customizing messages.
When the presupposed information that beneficiary client shows is the information that prompting user inputs customizing messages, beneficiary can root
According to the payment information that information input is corresponding, client receives the payment message of paying party input, then according to payment message
Generate payment instruction, and instruct to communication server Sending Payments.Wherein, payment instruction include paying party communication account,
The communication account of beneficiary and the collection amount of correspondence.
When the presupposed information that beneficiary client shows is a confirmation option or a virtual ACK button, beneficiary client
Reception user is to confirming option or the trigger action of ACK button, and generates payment instruction according to the trigger action of user, and
Instruct to communication server Sending Payments.Wherein, payment instruction includes the communication account of the communication account of paying party, beneficiary
And the collection amount of correspondence.
Such as, the display of paying party client confirms option or ACK button, and paying party is clicked on and confirmed option or ACK button
After, client shows payment interface as shown in Figure 2, and paying party can input Alipay password, and after clicking on confirming button,
Client receives the trigger action of beneficiary, and generates payment instruction, then to communication server according to the trigger action of user
Send and comprise the communication account of paying party, the communication account of beneficiary and the collection amount payment instruction of correspondence.
The method of payment based on immediate communication tool of the embodiment of the present application, receives the payment message of paying party, and based on payment
Information comprises the collection amount of the communication account of paying party, the communication account of beneficiary and correspondence to communication server transmission
Payment instruction, in order to the payment business server bound to the communication account of paying party by communication server initiates payment request,
Make payment business server according to payment request, by the industry of the paying party that Payment Amount is bound from the communication account with paying party
In the business account of the beneficiary that business account proceeds to the communication account binding with beneficiary, thus so that user is in instant messaging
Instrument can complete the payment to beneficiary, it is to avoid user needs to know the business of corresponding paying party to complete to pay
Account, and the trouble of the business account of the corresponding paying party of input in corresponding Third-party payment instrument, delivery operation is the most square
Just, improve user experience.
Fig. 8 a is the flow chart of the method for payment based on immediate communication tool of the 4th embodiment of the application, and this embodiment is from receipts
Money service server side is described, and as shown in Figure 8 a, should method of payment based on immediate communication tool include:
S801a, receives the payment request sent by communication server, and payment request includes the business account of paying party, gathering
The business account of side and Payment Amount.
S802a, proceeds to Payment Amount the business account of beneficiary from the business account of paying party.
It addition, in this embodiment, Payment Amount is being proceeded to beneficiary from the business account of paying party by payment business server
Business account after, return to communication server and pay successfully instruction, communication server receives payment business server and returns
Payment successfully instruct, and to paying party and beneficiary client return pay successful information.
When payment business server the most just Payment Amount proceeds to the business account of beneficiary from the business account of paying party, i.e. prop up
Pay unsuccessfully.Now, payment business server returns to communication server and pays failed instruction, and communication server receives payment
What service server returned pays failed instruction, and returns, to the client of paying party and beneficiary, the prompting letter that payment is failed
Breath, unsuccessful to point out user currently to pay, user can complete according to information to pay again.
The method of payment based on immediate communication tool of the embodiment of the present application, receives and comprises payment by what communication server sent
Business account, the business account of beneficiary and the payment request of Payment Amount of side, and Payment Amount is proceeded to from business account
In the business account of paying party.Thus, complete the paying party payment to beneficiary, facilitate user complete by communication account
Become to pay, it is to avoid user needs to know the business account of corresponding paying party to complete to pay, and corresponding third party
In the means of payment, the trouble of the business account of the corresponding paying party of input, simplifies the delivery operation of user.
Fig. 8 b is the flow chart of the method for payment based on immediate communication tool of the 5th embodiment of the application, and this embodiment is from paying
Money service server side is described, and as shown in Figure 8 b, should method of payment based on immediate communication tool include:
S801b, receives the payment request sent by communication server, and payment request includes the communication account of paying party, gathering
The business account of side and Payment Amount.
S802b, according to the communication account of paying party, it is thus achieved that the business account bound with communication account, by Payment Amount from business
Account proceeds in the business account of paying party.
Specifically, after payment business server receives the payment request that communication server sends, can be according to the communication of paying party
Account obtains the business account of paying party, industry of then paying the bill from the corresponding relation of the communication account pre-saved and business account
Payment Amount is proceeded to the business account of beneficiary by business server from the business account of paying party.
It addition, in this embodiment, Payment Amount is being proceeded to beneficiary from the business account of paying party by payment business server
Business account after, return to communication server and pay successfully instruction, communication server receives payment business server and returns
Payment successfully instruct, and to paying party and beneficiary client return pay successful information.
When payment business server the most just Payment Amount proceeds to the business account of beneficiary from the business account of paying party, i.e. prop up
Pay unsuccessfully.Now, payment business server returns to communication server and pays failed instruction, and communication server receives payment
What service server returned pays failed instruction, and returns, to the client of paying party and beneficiary, the prompting letter that payment is failed
Breath, unsuccessful to point out user currently to pay, user can complete according to information to pay again.
The method of payment based on immediate communication tool of the embodiment of the present application, receives and comprises payment by what communication server sent
Communication account, the business account of beneficiary and the payment request of Payment Amount of side, and according to the communication account of paying party, obtain
Payment Amount must be proceeded to from business account the business account of paying party with the business account of communication account binding.Thus,
Complete the paying party payment to beneficiary, facilitate user and complete to pay by communication account, it is to avoid user be in order to complete
Pay and need to know the business account of corresponding paying party, and the corresponding paying party of input in corresponding Third-party payment instrument
The trouble of business account, simplifies the delivery operation of user.
Fig. 9 is the flow chart of the method for payment based on immediate communication tool of the 6th embodiment of the application, and this embodiment is from receipts
Money service server side is described, as it is shown in figure 9, should method of payment based on immediate communication tool include:
S901, is received the gathering sent by communication server and asks, and gathering request includes the communication account of beneficiary, payment
The communication account of side and collection amount.
S902, according to the communication account of beneficiary, it is thus achieved that the business account bound with communication account, and sets up for business account
Virtual account, returns to communication server using virtual account as the business account of beneficiary.
Specifically, after gathering server reception is asked by the gathering that communication server sends, can be first according to the communication of beneficiary
Account obtains the business account of beneficiary from the communication account pre-saved with business account corresponding relation, is then business account
Number set up virtual account, virtual account is returned to communication server as the business account of beneficiary.
After communication server receives the payment instruction of paying party response gathering instruction, can bind to the communication account of paying party
Payment business server initiate payment request, in order to payment business server according to payment request, by Payment Amount from pay
The business account of the paying party of the communication account binding of money side proceeds to the business account of the beneficiary of the communication account binding with beneficiary
In number.
It should be noted that payment business server and payment business server in this embodiment can be same server
Also or different server.
The method of payment based on immediate communication tool of the embodiment of the present application, receives and comprises gathering by what communication server sent
The gathering request of communication account, the communication account of paying party and the collection amount of side;And the communication account according to beneficiary,
Obtain and the business account of communication account binding, and set up virtual account for business account, using virtual account as beneficiary
Business account returns to communication server.Thus, return the business account of beneficiary for communication server, facilitate follow-up
Business account according to beneficiary completes the paying party payment to beneficiary.
Figure 10 is the structural representation of the payment mechanism based on immediate communication tool of the 7th embodiment of the application, this embodiment
It is described from gathering service server side, as shown in Figure 10, should method of payment based on immediate communication tool include:
S1001, is received the gathering sent by communication server and asks, and gathering request includes the business account of beneficiary, payment
The communication account of side and collection amount.
S1002, the business account for beneficiary is set up virtual account, virtual account is returned to as the business account of beneficiary
Communication server.
Specifically, after gathering server reception is asked by the gathering that communication server sends, the business account for beneficiary is built
Vertical virtual account, and virtual account is returned to communication server as the business account of beneficiary.
After communication server receives the payment instruction of paying party response gathering instruction, can bind to the communication account of paying party
Payment business server initiate payment request, in order to payment business server according to payment request, by Payment Amount from pay
The business account of the paying party of the communication account binding of money side proceeds to the business account of the beneficiary of the communication account binding with beneficiary
In number.
The method of payment based on immediate communication tool of the embodiment of the present application, the beneficiary that reception is sent by communication server
The gathering of business account, the communication account of paying party and collection amount is asked, and the business account for beneficiary is set up virtual
Account, returns to the server of immediate communication tool using virtual account as the business account of beneficiary.Thus, for communication garment
Business device returns the business account of beneficiary, facilitates the follow-up business account according to beneficiary and completes paying party beneficiary
Payment.
In order to realize above-described embodiment, the application also proposes a kind of payment mechanism based on immediate communication tool.
Figure 11 is the structural representation of the payment mechanism based on immediate communication tool of first embodiment of the application, this device position
In communication server, as shown in figure 11, this device includes the first receiver module 111 and processing module 112, wherein:
First receiver module 111 is for receiving the gathering instruction of beneficiary, and gathering instruction includes the communication account of beneficiary, pays
The communication account of money side and the collection amount of correspondence;And processing module 112 is for receiving paying party response gathering instruction
Payment instruction, and the payment business server initiation payment request bound to the communication account of paying party, in order to payment business takes
Business device proceeds to according to payment request, the business account of the paying party bound from the communication account with paying party by Payment Amount and receives
In the business account of the beneficiary of the communication account binding of money side.
It addition, said apparatus can also include the first sending module 113, this first sending module 113 is for receiving mould first
After block 111 receives the gathering instruction of beneficiary, send gathering to gathering service server bind with beneficiary and ask, with
Gathering service server is made to obtain the business account of beneficiary according to the communication account of beneficiary and return.
Specifically, processing module 112 is when the payment business server that paying party is bound initiates payment request, in payment request
In carry the business account of beneficiary, the communication account of paying party and Payment Amount, so that payment business server is according to payment
Ask to obtain the payment of the communication account binding with paying party from the corresponding relation of the communication account pre-saved and business account
The business account of side, and Payment Amount is proceeded to the business account of beneficiary from the business account of paying party.
It addition, said apparatus can also include the first preservation module 114, this first preserves module 114 and is used for having pre-saved logical
Corresponding relation between news account and business account.
Said apparatus can also include the second preservation module 115, and this second preservation module 115 is used for having pre-saved communication account
Corresponding relation with business account type, in order to determine beneficiary and the business service of paying party binding according to business account type
Device.
Wherein, the payment business server of this embodiment and gathering service server are same server or different servers.
Such as, payment business server is Alipay server, and gathering service server can be that wealth pays logical server.
Said apparatus can also include the first acquisition module 116, and this first acquisition module 116 is at the first receiver module 112
After receiving the gathering instruction of beneficiary, according to the communication account of beneficiary, it is thus achieved that the receipts corresponding with the communication account of beneficiary
The business account of money side.
Specifically, the first acquisition module 116 can preserve module 114 from first according to the communication account of beneficiary and obtain gathering
The business account of side.
First obtains module 116 can be also used for: receive the payment instruction of paying party response gathering instruction in processing module 112
Afterwards, before the payment business server of paying party binding initiates payment request, according to the communication account of paying party, it is thus achieved that
The business account of the paying party corresponding with the communication account of paying party.
Specifically, the first acquisition module 116 can preserve module 114 from first according to the communication account of paying party and obtain payment
The business account of side.
Processing module 112, when the payment business server bound to paying party initiates payment request, can be taken in payment request
Business account, the business account of paying party and Payment Amount with beneficiary, so that payment business server receives Communications service
The payment request that device sends, and according to payment request, Payment Amount is proceeded to from the business account of paying party the business account of beneficiary
In number.
It addition, said apparatus can also include the second sending module 117, this second sending module 117 is in processing module
112 before the payment business server of paying party binding initiates payment request, to the gathering service server of beneficiary binding
Send gathering request, obtain the beneficiary corresponding to communication account of beneficiary with instruction gathering service server according to gathering request
Business account, and the business account for beneficiary sets up corresponding virtual account and returns.
Wherein, virtual account is for keeping in the amount of money that paying party is paid.
After obtaining virtual account from gathering service server, processing module 112 is in the payment business service bound to paying party
When payment request initiated by device, virtual account, the communication account of paying party and Payment Amount can be carried in payment request, so that
Service server, according to the communication account of paying party, obtains the business account of paying party, and by Payment Amount from the industry of paying party
Business account proceeds in virtual account, in order to when the gathering service server collected money Xiang Jun in virtual account proceeds to, by virtual
The amount of money in account proceeds in the business account of beneficiary.
Said apparatus can also include the second acquisition module 118, and this second acquisition module 118 is at the first receiver module 112
After receiving the gathering instruction of beneficiary, according to the communication account of beneficiary, it is thus achieved that the receipts corresponding with the communication account of beneficiary
The business account of money side;And send gathering request, to indicate gathering business to take to the gathering service server of beneficiary binding
Business device is that the business account of beneficiary is set up corresponding virtual account and returns;
Second obtains module 118 can be also used for: receive the payment instruction of paying party response gathering instruction in processing module 112
Afterwards, before the payment business server of paying party binding initiates payment request, according to the communication account of paying party, it is thus achieved that
The business account of the paying party corresponding with the communication account of paying party.
Specifically, the second acquisition module 118 can preserve module 114 from first according to the communication account of paying party and obtain payment
The business account of side.
Processing module 112, when the payment business server bound to paying party initiates payment request, can be taken in payment request
With virtual account, the business account of paying party and Payment Amount so that payment business server by Payment Amount from paying party
Business account proceeds in virtual account, in order to when the gathering service server collected money Xiang Jun in virtual account proceeds to, by void
Intend in the business account that the amount of money in account proceeds to beneficiary.
Said apparatus can also include the 3rd sending module 119, and the 3rd sending module 119 is at the first receiver module 111
Receive beneficiary gathering instruction after, and processing module 112 receive paying party response gathering instruction payment instruction before,
Send gathering instruction to paying party, to show presupposed information in paying party place client, make paying party send out based on presupposed information
Send the payment instruction of response gathering instruction.
Wherein, presupposed information is a confirmation option, or, a virtual ACK button, or point out user to input customizing messages
Information.
It addition, said apparatus can also include the second receiver module 110, this second receiver module 110 is for processing module 112
After the payment business server initiation payment request that the communication account of paying party is bound, receive payment business server and return
The instruction of payment success or failure, and return information to the client of beneficiary and/or paying party.
The payment mechanism based on immediate communication tool of the embodiment of the present application, the first receiver module receives comprising of beneficiary transmission
The gathering instruction of the communication account of beneficiary, the communication account of paying party and collection amount, and processing module reception paying party
The payment instruction of response gathering instruction, and the payment business server initiation payment request bound to the communication account of paying party,
So that payment business server is according to payment request, by the industry of the paying party that Payment Amount is bound from the communication account with paying party
In the business account of the beneficiary that business account proceeds to the communication account binding with beneficiary.Thus, for user in instant messaging work
Tool is initiated gathering operation and provides condition, facilitate user and complete to pay at immediate communication tool, it is to avoid it is right that user is known
The business account of account payable side, and the trouble of the business account of the corresponding paying party of input in corresponding Third-party payment instrument,
Simplify the delivery operation of user.
Figure 12 is the structural representation of the payment mechanism based on immediate communication tool of second embodiment of the application, this device position
In client, as shown in figure 12, this device includes receiver module 121 and sending module 122, wherein:
Receiver module 121 is for receiving the Receiving information of beneficiary;And sending module 122 is used for based on Receiving information to logical
Inquiry server sends gathering instruction, and gathering instruction includes the communication account of beneficiary, the communication account of paying party and correspondence
Collection amount, in order to the payment business server bound to the communication account with paying party by communication server initiates payment request,
Make payment business server according to payment request, by the industry of the paying party that Payment Amount is bound from the communication account with paying party
In the business account of the beneficiary that business account proceeds to the communication account binding with beneficiary.
Wherein, client is positioned in terminal, and above-mentioned terminal can be that computer, panel computer, mobile phone etc. have operating system
Hardware device.Client can be with immediate communication tools such as QQ, dealing, wechat.Above-mentioned Receiving information is to initiate in group chat
Information, the quantity of above-mentioned information is multiple.
Specifically, user is in chat group during chat, and beneficiary can be many to chat group by input Receiving information
Individual user initiates gathering operation, and receiver module 121 receives the Receiving information of beneficiary input.
Wherein, the form of the Receiving information of this embodiment has multiple.Such as, user's Receiving information of editor in chat group
Form is " gathering reason, pay the bill number N/ collection amount M ", and this Receiving information represents to be divided N number of by collection amount M
User.
The most such as, user's form of Receiving information of editor in chat group is that " $ collects money reason, and@user 1, amount of money A ,@
User 2, amount of money B ", this Receiving information represents that the amount of money to user 1 gathering is A, and the amount of money to user 2 gathering is B.
The payment mechanism based on immediate communication tool of the embodiment of the present application, receiver module receives the Receiving information of beneficiary, so
Rear sending module according to Receiving information to communication server send comprise the communication account of beneficiary, paying party communication account with
And the gathering instruction of the collection amount of correspondence, thus, facilitate user in immediate communication tool, initiate gathering operation, it is to avoid
User needs to know the business account of corresponding paying party to initiate gathering operation, and at corresponding Third-party payment instrument
The trouble of the business account of the corresponding paying party of middle input, simplifies the gathering operation of user, improves user experience.
Figure 13 is the structural representation of the payment mechanism based on immediate communication tool of the 3rd embodiment of the application, this device position
In client, as shown in figure 13, this device includes: the first receiver module 131 and sending module 132, wherein:
First receiver module 131 is for receiving the payment message of paying party;And sending module 132 is for based on payment information
Instructing to communication server Sending Payments, payment instruction includes the communication account of paying party, the communication account of beneficiary and right
The collection amount answered, in order to being initiated payment by communication server to the payment business server that the communication account of paying party is bound please
Ask so that payment business server is according to payment request, the paying party bound from the communication account with paying party by Payment Amount
Business account proceed to beneficiary communication account binding beneficiary business account in.
Wherein, client is positioned in terminal, and above-mentioned terminal can be that computer, panel computer, mobile phone etc. have operating system
Hardware device.Client can be with immediate communication tools such as QQ, dealing, wechat.
It addition, said apparatus can also include the second receiver module 133, this second receiver module 133 is at sending module
132 based on payment information to communication server Sending Payments instruct before, receive communication server gathering based on beneficiary letter
The gathering instruction that breath sends, and according to gathering instruction display presupposed information, receive so that paying party sends response based on presupposed information
The payment instruction of money instruction.
Wherein, presupposed information can be a confirmation option, or, a virtual ACK button, or point out user to input specific
The information of information.
Comprise the first receiver module 131, sending module 132 and the payment based on immediate communication tool of the second receiver module 133
The process that device carries out paying can be found in the word of Fig. 7 and correspondence thereof and describes, and does not repeats.
The payment mechanism based on immediate communication tool of the embodiment of the present application, receives the payment of paying party by the first receiver module
Message, and based on payment information to communication server send comprise the communication account of paying party, the communication account of beneficiary and
The payment instruction of corresponding collection amount, in order to the payment business service bound to the communication account of paying party by communication server
Payment request initiated by device so that payment business server is according to payment request, by Payment Amount from the communication account with paying party
In the business account of the beneficiary that the business account of the paying party of binding proceeds to the communication account binding with beneficiary, thus, make
User in sight time communication tool in can complete the payment to beneficiary, it is to avoid user needs to know to complete to pay
The business account of corresponding paying party, and the trouble of the business account of the corresponding paying party of input in corresponding Third-party payment instrument,
Delivery operation is simple and convenient, improves user experience.
Figure 14 is the structural representation of the payment mechanism based on immediate communication tool of the 4th embodiment of the application, this device position
In payment business server, as shown in figure 14, receiver module 141 He should be included by payment mechanism based on immediate communication tool
Processing module 142, wherein:
Receiver module 141 is for receiving the payment request sent by communication server, and payment request includes the business of paying party
Account, the business account of beneficiary and Payment Amount;And processing module 142 is used for Payment Amount from the business of paying party
Account proceeds in the business account of beneficiary.
In this embodiment, Payment Amount is being proceeded to the business account of beneficiary by processing module 142 from the business account of paying party
After number, can return to communication server and pay successfully instruction, communication server receives the payment that payment business server returns
Successfully instruction, and return the successful information of payment to the client of paying party and beneficiary.
When processing module 142 the most just Payment Amount proceeds to the business account of beneficiary from the business account of paying party, i.e. pay
Failure.Now, processing module 142 can also return to communication server and pay failed instruction, and communication server receives to be paid
What money service server returned pays failed instruction, and returns, to the client of paying party and beneficiary, the prompting that payment is failed
Information, unsuccessful to point out user currently to pay, user can complete according to information to pay again.
The payment mechanism based on immediate communication tool of the embodiment of the present application, receiver module reception is sent by communication server
Comprising the business account of paying party, the business account of beneficiary and the payment request of Payment Amount, then processing module will payment
The amount of money proceeds to from business account the business account of paying party.Thus, complete the paying party payment to beneficiary, facilitate
User completes to pay by communication account, it is to avoid user needs to know the business account of corresponding paying party to complete to pay,
And in corresponding Third-party payment instrument the trouble of the business account of the corresponding paying party of input, simplify the delivery operation of user.
Figure 15 is the structural representation of the payment mechanism based on immediate communication tool of the 5th embodiment of the application, this device position
In gathering service server, as shown in figure 15, this device includes receiver module 151 and processing module 152, wherein:
Receiver module 151 is for receiving the payment request sent by communication server, and payment request includes the communication of paying party
Account, the business account of beneficiary and Payment Amount;And processing module 152 is for the communication account according to paying party, obtains
Payment Amount must be proceeded to from business account the business account of paying party with the business account of communication account binding.
Specifically, receiver module 151 receives after the gathering sent by communication server asked, and processing module 152 can first root
Communication account according to beneficiary obtains the business account of beneficiary from the communication account pre-saved with business account corresponding relation
Number, then set up virtual account for business account, virtual account returned to communication server as the business account of beneficiary,
So that communication server completes the paying party payment to beneficiary according to the business account of beneficiary.
The payment mechanism based on immediate communication tool of the embodiment of the present application, is received by receiver module and is sent out by communication server
The gathering request of the communication account comprising beneficiary, the communication account of paying party and the collection amount that send;And processing module root
Communication account according to beneficiary, it is thus achieved that the business account bound with communication account, and set up virtual account for business account, will
Virtual account returns to communication server as the business account of beneficiary.Thus, beneficiary is returned for communication server
Business account, facilitates the follow-up business account according to beneficiary and completes the paying party payment to beneficiary.
Figure 16 is the structural representation of the payment mechanism based on immediate communication tool of the 6th embodiment of the application, this device position
In gathering service server, as shown in figure 16, this device includes: receiver module 161 and processing module 162, wherein:
Receiver module 161 is asked for receiving the gathering sent by communication server, and gathering request includes the communication of beneficiary
Account, the communication account of paying party and collection amount information;Processing module 162, for the communication account according to beneficiary, obtains
And virtual account must be set up for business account, using virtual account as the industry of beneficiary with the business account of communication account binding
Business account returns to communication server.
Specifically, receiver module 162 receives after the gathering sent by communication server asked, and processing module 162 can basis
The communication account of beneficiary obtains the business account of beneficiary from the corresponding relation of the communication account pre-saved and business account
Number, then processing module 162 is that the business account of beneficiary sets up virtual account, and using virtual account as the industry of beneficiary
Business account returns to communication server, so that paying party completes the payment to beneficiary according to the business account of beneficiary.
The payment mechanism based on immediate communication tool of the embodiment of the present application, is received by receiver module and is sent out by communication server
The gathering request of the communication account of the beneficiary sent, the communication account of paying party and collection amount, and processing module is for collecting money
The business account of side sets up virtual account, and virtual account returns to the clothes of immediate communication tool as the business account of beneficiary
Business device.Thus, return the business account of beneficiary for communication server, facilitate the follow-up business account according to beneficiary
Complete the paying party payment to beneficiary.
Figure 17 is the structural representation of the payment mechanism based on immediate communication tool of the 7th embodiment of the application, this device position
In gathering service server, as shown in figure 17, this device includes: receiver module 171 and processing module 172, wherein:
Receiver module 171 is asked for receiving the gathering sent by communication server, and gathering request includes the business of beneficiary
Account, the communication account of paying party and collection amount information;Processing module 172 sets up void for the business account for beneficiary
Intend account, virtual account returned to communication server as the business account of beneficiary so that subsequent communications server according to
The business account of beneficiary completes the payment of payment direction beneficiary.
The payment mechanism based on immediate communication tool of the embodiment of the present application, is received by receiver module and is sent out by communication server
The gathering request of the business account of the beneficiary sent, the communication account of paying party and collection amount, and processing module is for collecting money
The business account of side sets up virtual account, and virtual account returns to the clothes of immediate communication tool as the business account of beneficiary
Business device.Thus, return the business account of beneficiary for communication server, facilitate the follow-up business account according to beneficiary
Complete the paying party payment to beneficiary.
In the description of this specification, reference term " embodiment ", " some embodiments ", " example ", " tool
Body example " or the description of " some examples " etc. means to combine this embodiment or example describes specific features, structure, material
Material or feature are contained at least one embodiment or the example of the application.In this manual, the signal to above-mentioned term
Property statement be necessarily directed to identical embodiment or example.And, the specific features of description, structure, material or spy
Point can be to combine in one or more embodiments in office or example in an appropriate manner.Additionally, in the case of the most conflicting,
Those skilled in the art can be by the different embodiments described in this specification or example and different embodiment or the spy of example
Levy and be combined and combine.
Additionally, term " first ", " second " are only used for describing purpose, and it is not intended that instruction or imply relatively important
Property or the implicit quantity indicating indicated technical characteristic.Thus, define " first ", " second " feature permissible
Express or implicitly include at least one this feature.In the description of the present application, " multiple " are meant that at least two,
Such as two, three etc., unless otherwise expressly limited specifically.
In flow chart or at this, any process described otherwise above or method description are construed as, and represent and include one
Or the module of code, fragment or the part of the executable instruction of the more step for realizing specific logical function or process,
And the scope of the preferred implementation of the application includes other realization, wherein can not press order that is shown or that discuss,
Including according to involved function by basic mode simultaneously or in the opposite order, performing function, this should be by the application's
Embodiment person of ordinary skill in the field understood.
Represent in flow charts or the logic described otherwise above at this and/or step, for example, it is possible to be considered as reality
The sequencing list of the executable instruction of existing logic function, may be embodied in any computer-readable medium, for instruction
Execution system, device or equipment (system such as computer based system, including processor or other can perform from instruction
System, device or equipment instruction fetch also perform the system instructed) use, or combine these instruction execution systems, device or set
Standby and use.For the purpose of this specification, " computer-readable medium " can be any can to comprise, store, communicate, propagate
Or transmission procedure for instruction execution system, device or equipment or combines these instruction execution systems, device or equipment and uses
Device.The more specifically example (non-exhaustive list) of computer-readable medium includes following: have one or more cloth
The electrical connection section (electronic installation) of line, portable computer diskette box (magnetic device), random access memory (RAM), read-only
Memorizer (ROM), erasable edits read only memory (EPROM or flash memory), fiber device, portable optic disk
Read only memory (CDROM).It addition, computer-readable medium can even is that can print thereon the paper of described program or its
His suitable medium because then can carry out editing such as by paper or other media are carried out optical scanning, interpret or
It is processed to electronically obtain described program with other suitable methods if desired, is then stored in Computer Storage
In device.
Should be appreciated that each several part of the application can realize by hardware, software, firmware or combinations thereof.In above-mentioned reality
Execute in mode, software that multiple steps or method in memory and can be performed by suitable instruction execution system with storage or
Firmware realizes.Such as, if realized with hardware, with the most the same, available well known in the art under
Any one or their combination in row technology realize: have the logic gates for data signal realizes logic function
Discrete logic, there is the special IC of suitable combination logic gate circuit, programmable gate array (PGA), existing
Field programmable gate array (FPGA) etc..
Those skilled in the art are appreciated that realizing all or part of step that above-described embodiment method carries is can
Completing instructing relevant hardware by program, described program can be stored in a kind of computer-readable recording medium,
This program upon execution, including one or a combination set of the step of embodiment of the method.
Additionally, each functional unit in each embodiment of the application can be integrated in a processing module, it is also possible to be each
Individual unit is individually physically present, it is also possible to two or more unit are integrated in a module.Above-mentioned integrated module was both
Can realize to use the form of hardware, it would however also be possible to employ the form of software function module realizes.If described integrated module with
The form of software function module realizes and as independent production marketing or when using, it is also possible to be stored in a computer-readable
Take in storage medium.
Storage medium mentioned above can be read only memory, disk or CD etc..Although above it has been shown and described that
Embodiments herein, it is to be understood that above-described embodiment is exemplary, it is impossible to be interpreted as the restriction to the application,
Above-described embodiment can be changed in scope of the present application, revises, replace and modification by those of ordinary skill in the art.