CN105989463A

CN105989463A - Instant-messaging-tool-based payment method and apparatus

Info

Publication number: CN105989463A
Application number: CN201510080330.0A
Authority: CN
Inventors: 朱沁; 肖慧美
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2015-02-13
Filing date: 2015-02-13
Publication date: 2016-10-05

Abstract

The invention relates to an instant-messaging-tool-based payment method and apparatus. The method comprises: a collection instruction from a payee is received, wherein the collection instruction includes a communication account number of the payee, a communication account number of a payer, and corresponding collection sum information; and a payment instruction responding to the collection instruction from the payer is received, a payment request is initiated to a payment service server bound to the communication account number of the payer, and thus the payment service server transfers money with the payment sum from a service account number of the payer bound to the communication account number of the payer to a service account number of a payee bound to the communication account number of the payee according to the payment service server. According to the method and apparatus, a user can complete payment at an instant messaging tool; a phenomenon that a user needs to obtain a service account number corresponding to a payer and input the service account number corresponding to the payer into a corresponding third-party payment tool for complete payment can be avoided. Therefore, the payment operation of the user is simplified.

Description

Method of payment based on immediate communication tool and device

Technical field

The application relates to field of computer technology, particularly relates to a kind of method of payment based on immediate communication tool and device.

Background technology

Along with the fast development of Internet technology, instant messaging IM (Instant messaging) instrument (such as wechat, QQ Deng) in more and more live and works being applied to people, IM instrument (IM software) has become the one in people and life Conventional media of communication.During using IM software, user can be by the mode such as word, voice and video and IM good friend Or chat group exchanges.

During user is exchanged with good friend in chat group by word, if user needs the multiple one-tenth in chat group Member initiates gathering, and existing checkout process is: payee collects the business account such as Alipay account of corresponding member in chat group Number, and after the business account obtaining corresponding member, payee leaves the interface of MSN, and opens the of correspondence Tripartite's means of payment such as Alipay wallet, and input the requestee of business account, collection amount and the correspondence of corresponding member Count up to into gathering operation, after corresponding member receives the advice of payment by Third-party payment instrument such as Alipay wallet, complete to pay Money.After payee receives payment, payee can show the gathering result of correspondence in group, works as to facilitate other users to understand Front payment status.It can thus be seen that after user initiates gathering in chat group, need to know the business account of corresponding member Number and it needs in the 3rd means of payment, input the business account of correspondence, when the member needing payment is more, to the 3rd Being also easy to the situation that account misremembers, number misremembers occur in the means of payment during incoming traffic account, user completes gathering Operation action required step is many, and checkout process is complicated.

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.

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.

Accompanying drawing explanation

Fig. 1 is the flow chart of the method for payment based on immediate communication tool of first embodiment of the application.

Fig. 2 is the exemplary plot of the payment interface of one embodiment of the application.

Fig. 3 is the flow chart of the method for payment based on immediate communication tool of one specific embodiment of the application.

Fig. 4 is the exemplary plot at the interface comprising Receiving information of one embodiment of the application.

Fig. 5 is the exemplary plot at the interface comprising payment information of one embodiment of the application.

Fig. 6 is the flow chart of the method for payment based on immediate communication tool of second embodiment of the application.

Fig. 7 is the flow chart of the method for payment based on immediate communication tool of the 3rd embodiment of the application.

Fig. 8 a is the flow chart of the method for payment based on immediate communication tool of the 4th embodiment of the application.

Fig. 8 b is the flow chart of the method for payment based on immediate communication tool of the 5th embodiment of the application.

Fig. 9 is the flow chart of the method for payment based on immediate communication tool of the 6th embodiment of the application.

Figure 10 is the structural representation of the payment mechanism based on immediate communication tool of the 7th embodiment of the application.

Figure 11 is the structural representation of the payment mechanism based on immediate communication tool of first embodiment of the application.

Figure 12 is the structural representation of the payment mechanism based on immediate communication tool of second embodiment of the application.

Figure 13 is the structural representation of the payment mechanism based on immediate communication tool of the 3rd embodiment of the application.

Figure 14 is the structural representation of the payment mechanism based on immediate communication tool of the 4th embodiment of the application.

Figure 15 is the structural representation of the payment mechanism based on immediate communication tool of the 5th embodiment of the application.

Figure 16 is the structural representation of the payment mechanism based on immediate communication tool of the 6th embodiment of the application.

Figure 17 is the structural representation of the payment mechanism based on immediate communication tool of the 7th embodiment of the application.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Claims

1. a method of payment based on immediate communication tool, it is characterised in that including:

Receiving 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 of paying party response described gathering instruction, and the payment industry bound to the communication account of described paying party Business server initiates payment request, in order to described payment business server according to described payment request, by described Payment Amount from The business account of the paying party of the communication account binding with paying party proceeds to the industry of the beneficiary of the communication account binding with beneficiary In business account.

Method the most according to claim 1, it is characterised in that after the gathering of described reception beneficiary instructs, also Including:

To the gathering service server transmission gathering request bound with beneficiary, so that described gathering service server is according to described The communication account of beneficiary obtains the business account of beneficiary and returns；

When the described payment business server to paying party binding initiates payment request, described payment request is carried described receipts The business account of money side, the communication account of paying party and Payment Amount；

Described Payment Amount, according to described payment request, is bound by described payment business server from the communication account with paying party The business account of the paying party beneficiary that proceeds to communication account binding with beneficiary business account in, specifically include:

Described payment business server, according to the communication account of paying party, obtains the business account of paying party, and by described payment The amount of money proceeds to the business account of described beneficiary from the business account of paying party.

Communication account according to described beneficiary, it is thus achieved that the business account of the beneficiary corresponding with the communication account of beneficiary；

After the payment instruction of described reception paying party response described gathering instruction, to the payment business server of paying party binding Before initiating payment request, also include:

Communication account according to described paying party, it is thus achieved that the business account of the paying party corresponding with the communication account of paying party；

When the described payment business server to paying party binding initiates payment request, described payment request is carried described receipts The business account of money side, the business account of paying party and Payment Amount；

Described Payment Amount is proceeded to the business account of described beneficiary by described service server from the business account of paying party.

Method the most according to claim 1, it is characterised in that at the described payment business server to paying party binding Before initiating payment request, also include:

Gathering service server to beneficiary binding sends gathering request, to indicate described gathering service server according to described Gathering request obtains the business account of the beneficiary corresponding to communication account of beneficiary, and the business account for described beneficiary is built Vertical corresponding virtual account also returns；

When the described payment business server to paying party binding initiates payment request, described payment request is carried described void Intend account, the communication account of paying party and Payment Amount；

Described service server, according to the communication account of paying party, obtains the business account of paying party, and by described Payment Amount Proceed to described virtual account from the business account of paying party, in order to described gathering service server being received in virtual account When fund all proceeds to, the amount of money in described virtual account is proceeded in the business account of described beneficiary.

Communication account according to described beneficiary, it is thus achieved that the business account of the beneficiary corresponding with the communication account of beneficiary；With And

Gathering service server to beneficiary binding sends gathering request, to indicate described gathering service server to be described receipts The business account of money side is set up corresponding virtual account and returns；

When the described payment business server to paying party binding initiates payment request, described payment request is carried described void Intend account, the business account of paying party and Payment Amount；

Described Payment Amount is proceeded to described virtual account from the business account of paying party by described payment business server, in order to When the gathering service server collected money Xiang Jun in virtual account proceeds to, the amount of money in described virtual account is proceeded to described receipts In the business account of money side.

6. according to the method described in claim 3 or 5, it is characterised in that also include:

Pre-save the corresponding relation between communication account and business account.

7. according to the method described in claim 2 or 4, it is characterised in that also include:

Pre-save communication account and the corresponding relation of business account type, in order to determine receipts according to described business account type Money side and the service server of paying party binding.

8. according to the arbitrary described method of claim 1-5, it is characterised in that described payment business server and gathering business Server is same server or different servers.

9. according to the arbitrary described method of claim 1-5, it is characterised in that described gathering instruction is that beneficiary is in group chat The instruction initiated, the paying party quantity that described instruction includes is multiple.

10. according to the arbitrary described method of claim 1-5, it is characterised in that after the gathering instruction receiving beneficiary, And before receiving the payment instruction of paying party response described gathering instruction, also include:

Send gathering instruction to paying party, to show presupposed information in paying party place client, make paying party based on described pre- If information sends the payment instruction of response described gathering instruction.

11. methods according to claim 10, it is characterised in that described presupposed information is a confirmation option, or, One virtual ACK button, or point out user to input the information of customizing messages.

12. according to the arbitrary described method of claim 1-5, it is characterised in that tie up in the described communication account to paying party After fixed payment business server initiates payment request, also include:

Receive the instruction of the payment success or failure that payment business server returns, and to beneficiary and/or the client of paying party Return information.

13. 1 kinds of methods of payment based on immediate communication tool, it is characterised in that including:

Receive the Receiving information of beneficiary；And

Based on described Receiving information to communication server send gathering instruction, described gathering instruction include beneficiary communication account, The communication account of paying party and the collection amount of correspondence, in order to tied up to the communication account with paying party by described communication server Fixed payment business server initiates payment request so that described payment business server is according to described payment request, by described The business account of the paying party that Payment Amount is bound from the communication account with paying party proceeds to the communication account binding with beneficiary In the business account of beneficiary.

14. methods according to claim 13, it is characterised in that described Receiving information is the information initiated in group chat, The quantity of described information is multiple.

15. 1 kinds of methods of payment based on immediate communication tool, it is characterised in that including:

Receive the payment message of paying party；And

Based on described payment information to communication server Sending Payments instruct, described 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 described payment business server is according to described payment request, by described payment gold The business account of the paying party that volume is bound from the communication account with paying party proceeds to the beneficiary of the communication account binding with beneficiary Business account in.

16. methods according to claim 15, it is characterised in that described based on described payment information to Communications service Before the instruction of device Sending Payments, also include:

Receive the gathering instruction that communication server Receiving information based on beneficiary sends, and pre-according to described gathering instruction display If information, so that paying party sends the payment instruction of response described gathering instruction based on described presupposed information.

17. methods according to claim 16, it is characterised in that described presupposed information is a confirmation option, or, One virtual ACK button, or point out user to input the information of customizing messages.

18. 1 kinds of methods of payment based on immediate communication tool, it is characterised in that including:

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 the business account of beneficiary from the business account of described paying party.

19. 1 kinds of methods of payment based on immediate communication tool, it is characterised in that including:

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

Communication account according to described paying party, it is thus achieved that the business account bound with described communication account, by described Payment Amount Proceed to the business account of described paying party from described business account.

20. 1 kinds of methods of payment based on immediate communication tool, it is characterised in that including:

Receiving the gathering sent by communication server to ask, described gathering request includes the communication account of beneficiary, paying party Communication account and collection amount；And

Communication account according to described beneficiary, it is thus achieved that the business account bound with described communication account, and be described business account Number set up virtual account, described virtual account is returned to described communication server as the business account of beneficiary.

21. 1 kinds of methods of payment based on immediate communication tool, it is characterised in that including:

Receiving the gathering sent by communication server to ask, described gathering request includes the business account of beneficiary, paying party Communication account and collection amount；And

Business account for described beneficiary sets up virtual account, described virtual account is returned as the business account of beneficiary To described communication server.

22. 1 kinds of payment mechanisms based on immediate communication tool, it is characterised in that including:

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, for receiving the payment instruction of paying party response described gathering instruction, and to the communication account of described paying party The payment business server of number binding initiates payment request, in order to described payment business server, will according to described payment request The communication account that the business account of the paying party that described Payment Amount is bound from the communication account with paying party proceeds to beneficiary is tied up In the business account of fixed beneficiary.

23. devices according to claim 22, it is characterised in that also include:

First sending module, after receive the gathering instruction of beneficiary at described first receiver module, ties up to beneficiary Fixed gathering service server sends gathering request, so that described gathering service server is according to the communication account of described beneficiary Obtain the business account of beneficiary and return；

Described processing module, when the payment business server that paying party is bound initiates payment request, is taken in described payment request Business account, the communication account of paying party and Payment Amount with described beneficiary so that described payment business server according to The communication account of paying party, obtains the business account of paying party, and is proceeded to from the business account of paying party by described Payment Amount In the business account of described beneficiary.

24. devices according to claim 22, it is characterised in that also include:

First obtains module, after receive the gathering instruction of beneficiary at described first receiver module, according to described gathering The communication account of side, it is thus achieved that the business account of the beneficiary corresponding with the communication account of beneficiary；

Described first obtains module, is additionally operable to: the payment receiving paying party response described gathering instruction in described processing module refers to After order, before the payment business server of paying party binding initiates payment request, according to the communication account of described paying party, Obtain the business account of the paying party corresponding with the communication account of paying party；

Described processing module, when the payment business server that paying party is bound initiates payment request, is taken in described payment request Business account, the business account of paying party and Payment Amount with described beneficiary, so that described service server is by described pair The money amount of money proceeds to the business account of described beneficiary from the business account of paying party.

25. devices according to claim 22, it is characterised in that also include:

Second sending module, for the payment business server initiation payment request bind to paying party in described processing module it Before, the gathering service server to beneficiary binding sends gathering request, to indicate described gathering service server according to described Gathering request obtains the business account of the beneficiary corresponding to communication account of beneficiary, and the business account for described beneficiary is built Vertical corresponding virtual account also returns；

Described processing module, when the payment business server that paying party is bound initiates payment request, is taken in described payment request With described virtual account, the communication account of paying party and Payment Amount, so that described service server is according to the communication of paying party Account, obtains the business account of paying party, and from the business account of paying party, described Payment Amount is proceeded to described virtual account In, in order to when the described gathering service server collected money Xiang Jun in virtual account proceeds to, by the gold in described virtual account Volume proceeds in the business account of described beneficiary.

26. devices according to claim 22, it is characterised in that also include:

Second obtains module, after receive the gathering instruction of beneficiary at described first receiver module, according to described gathering The communication account of side, it is thus achieved that the business account of the beneficiary corresponding with the communication account of beneficiary；And to beneficiary binding Gathering service server sends gathering request, sets up with the business account indicating described gathering service server to be described beneficiary Corresponding virtual account also returns；

Described second obtains module, is additionally operable to: the payment receiving paying party response described gathering instruction in described processing module refers to After order, before the payment business server of paying party binding initiates payment request, according to the communication account of described paying party, Obtain the business account of the paying party corresponding with the communication account of paying party；

Described processing module, when the payment business server that paying party is bound initiates payment request, is taken in described payment request With described virtual account, the business account of paying party and Payment Amount, so that described payment business server is by described payment gold Volume proceeds to described virtual account from the business account of paying party, in order to gathering service server being collected money in virtual account When Xiang Jun proceeds to, the amount of money in described virtual account is proceeded in the business account of described beneficiary.

27. according to the device described in claim 24 or 26, it is characterised in that also include:

First preserves module, for pre-saving the corresponding relation between communication account and business account.

28. according to the device described in claim 23 or 25, it is characterised in that also include:

Second preserves module, for pre-saving communication account and the corresponding relation of business account type, in order to according to described Business account type determines beneficiary and the service server of paying party binding.

29. according to the arbitrary described device of claim 22-26, it is characterised in that described payment business server and gathering Service server is same server or different servers.

30. according to the arbitrary described device of claim 22-26, it is characterised in that described gathering instruction is that beneficiary is group The instruction initiated in chatting, the paying party quantity that described instruction includes is multiple.

31. according to the arbitrary described device of claim 22-26, it is characterised in that also include:

3rd sending module, after receive the gathering instruction of beneficiary at described first receiver module, and described process Before module receives the payment instruction of paying party response described gathering instruction, send gathering instruction to paying party, with at paying party Place client display presupposed information, makes paying party send the payment instruction of response described gathering instruction based on described presupposed information.

32. devices according to claim 31, it is characterised in that described presupposed information is a confirmation option, or, One virtual ACK button, or point out user to input the information of customizing messages.

33. according to the arbitrary described device of claim 22-26, it is characterised in that also include:

Second receiver module, initiates to pay to the payment business server that the communication account of paying party is bound for described processing module After money request, receive the instruction of the payment success or failure that payment business server returns, and to beneficiary and/or paying party Client return information.

34. 1 kinds of payment mechanisms based on immediate communication tool, it is characterised in that including:

Receiver module, for receiving the Receiving information of beneficiary；And

Sending module, for sending gathering instruction based on described Receiving information to communication server, described gathering instruction includes receiving The communication account of money side, the communication account of paying party and the collection amount of correspondence, in order to by described communication server to pay The payment business server of the communication account binding of money side initiates payment request so that described payment business server is 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 and beneficiary Communication account binding beneficiary business account in.

35. devices according to claim 34, it is characterised in that described Receiving information is the information initiated in group chat, The quantity of described information is multiple.

36. 1 kinds of payment mechanisms based on immediate communication tool, it is characterised in that including:

First receiver module, for receiving the payment message of paying party；And

Sending module, for instructing to communication server Sending Payments based on described payment information, described payment instruction includes paying The communication account of money side, the communication account of beneficiary and the collection amount of correspondence, in order to by communication server to paying party The payment business server of communication account binding initiates payment request so that described payment business server please according to described payment Asking, the business account of the paying party bound from the communication account with paying party by described Payment Amount proceeds to the communication with beneficiary In the business account of the beneficiary of account binding.

37. devices according to claim 36, it is characterised in that also include:

Second receiver module, for instructing it based on described payment information to communication server Sending Payments at described sending module Before, receive the gathering instruction that communication server Receiving information based on beneficiary sends, and pre-according to described gathering instruction display If information, so that paying party sends the payment instruction of response described gathering instruction based on described presupposed information.

38. according to the device described in claim 37, it is characterised in that described presupposed information is a confirmation option, or, One virtual ACK button, or point out user to input the information of customizing messages.

39. 1 kinds of payment mechanisms based on immediate communication tool, it is characterised in that including:

Receiver module, for receiving the payment request sent by communication server, described payment request includes the industry of paying party Business account, the business account of beneficiary and Payment Amount；And

Processing module, for proceeding to described Payment Amount the business account of beneficiary from the business account of described paying party.

40. 1 kinds of payment mechanisms based on immediate communication tool, it is characterised in that including:

Receiver module, for receiving the payment request sent by communication server, described payment request includes the logical of paying party News account, the business account of beneficiary and Payment Amount；And

Processing module, for the communication account according to described paying party, it is thus achieved that the business account bound with described communication account, Described Payment Amount is proceeded to the business account of described paying party from described business account.

41. 1 kinds of payment mechanisms based on immediate communication tool, it is characterised in that including:

Receiver module, is asked for receiving the gathering sent by communication server, and described gathering request includes the logical of beneficiary News account, the communication account of paying party and collection amount；And

Processing module, for the communication account according to described beneficiary, it is thus achieved that the business account bound with described communication account, And set up virtual account for described business account, described virtual account is returned to described communication as the business account of beneficiary Server.

42. 1 kinds of payment mechanisms based on immediate communication tool, it is characterised in that including:

Receiver module, is asked for receiving the gathering sent by communication server, and described gathering request includes the industry of beneficiary Business account, the communication account of paying party and collection amount；And

Processing module, sets up virtual account, using described virtual account as beneficiary for the business account for described beneficiary Business account return to described communication server.