CN107103463A - Method of payment and device - Google Patents

Method of payment and device Download PDF

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Publication number
CN107103463A
CN107103463A CN201710369965.1A CN201710369965A CN107103463A CN 107103463 A CN107103463 A CN 107103463A CN 201710369965 A CN201710369965 A CN 201710369965A CN 107103463 A CN107103463 A CN 107103463A
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China
Prior art keywords
payment
user terminal
user
identifier
platform
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CN201710369965.1A
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Chinese (zh)
Inventor
陈凌奇
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Whaley Technology Co Ltd
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Whaley Technology Co Ltd
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Priority to CN201710369965.1A priority Critical patent/CN107103463A/en
Publication of CN107103463A publication Critical patent/CN107103463A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G06Q20/123—Shopping for digital content
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The embodiment of the present invention provides a kind of method of payment and device.Methods described is applied to purchase payment system.The system includes being in communication with each other user terminal, the service platform of connection.Selection operation to pay content of the user terminal based on reception, purchase request is sent to service platform.Purchase request includes the identifier of pay content, payment and user terminal, and identifier is one-to-one with user terminal.Service platform finds the corresponding user account of the identifier according to the identifier of user terminal, and deducts from user account payment.Due to payment code need not be scanned in payment process, simplify payment process, improve the usage experience of user.

Description

Payment method and device
Technical Field
The invention relates to the technical field of internet, in particular to a payment method and a payment device.
Background
Currently, when purchasing paid content through a user terminal, a payment code sent to the user terminal by a payment platform is generally scanned to complete payment. The above situation causes the payment code to be scanned when the user purchases the product every time, so that the purchase process is complicated, and the use experience of the user is influenced.
Disclosure of Invention
In order to overcome the above disadvantages in the prior art, the present invention provides a payment method and device, which can find a user account corresponding to an identifier of a user terminal according to the identifier in a purchase request, and deduct money from the user account to complete payment. The payment code does not need to be scanned in the whole payment process, the purchase payment process is simplified, and the user experience is improved.
The first preferred embodiment of the present invention provides a payment method, which is applied to a purchase payment system, wherein the system comprises a user terminal and a service platform that are in communication connection, and the method comprises:
the user terminal receives selection operation of the paid content and sends a purchase request to the service platform according to the selected paid content, wherein the purchase request comprises the paid content, payment amount and identifiers of the user terminal, and the identifiers are in one-to-one correspondence with the user terminal;
and the service platform receives the purchase request, finds a user account corresponding to the identifier according to the identifier of the user terminal, and deducts the payment amount from the user account.
A second preferred embodiment of the present invention provides a payment method, which is applied to a service platform in communication connection with a user terminal, and the method includes:
receiving a purchase request sent by the user terminal based on the selection operation of the paid content, finding a user account corresponding to an identifier according to the identifier of the user terminal in the purchase request, and deducting payment amount from the user account, wherein the purchase request comprises the paid content, the payment amount and the identifier of the user terminal, and the identifiers are in one-to-one correspondence with the user terminal.
A third preferred embodiment of the present invention provides a payment apparatus, which is applied to a service platform in communication connection with a user terminal, where the method includes:
and the deduction module is used for receiving a purchase request sent by the user terminal based on the selection operation of the paid content, finding a user account corresponding to the identifier according to the identifier of the user terminal in the purchase request, and deducting payment amount from the user account, wherein the purchase request comprises the paid content, the payment amount and the identifier of the user terminal, and the identifiers are in one-to-one correspondence with the user terminal.
Compared with the prior art, the invention has the following beneficial effects:
the embodiment of the invention provides a payment method and a payment device. The payment method is applied to a purchase payment system, and the purchase payment system comprises a user terminal and a service platform which are in communication connection. And the user terminal receives the selection operation of the user on the paid content. And the user terminal generates a purchase request according to the selected paid content and sends the purchase request to the service platform. The purchase request comprises paid content, payment amount and an identifier of a user terminal, and the identifier is in one-to-one correspondence with the user terminal. And after receiving the purchase request, the service platform searches a user account corresponding to the identifier according to the identifier of the user terminal, and deducts the payment amount corresponding to the payment content from the user account. Therefore, the payable user account is searched through the identifier of the user terminal in the purchase request, and the payment is carried out in the user account according to the payment amount, payment for the payment content is not required to be carried out through scanning the payment code, and the use experience of the user is improved.
In order to make the aforementioned and other objects, features and advantages of the present invention comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present invention and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained according to the drawings without inventive efforts.
FIG. 1 is a block diagram of a purchase payment system according to a preferred embodiment of the present invention.
Fig. 2 is a block diagram of the user terminal shown in fig. 1.
Fig. 3 is a block diagram of the payment service provider shown in fig. 1.
FIG. 4 is a block schematic diagram of the payment platform shown in FIG. 1.
Fig. 5 is a flowchart of a payment method according to a first embodiment of the present invention.
Fig. 6 is a flowchart illustrating sub-steps included in step S130 in fig. 5.
Fig. 7 is a second flowchart of the payment method according to the first embodiment of the invention.
Fig. 8 is a third schematic flow chart of the payment method according to the first embodiment of the present invention.
Fig. 9 is a fourth flowchart illustrating a payment method according to the first embodiment of the invention.
Fig. 10 is a flowchart illustrating sub-steps included in step S110 in fig. 9.
Fig. 11 is a schematic flow chart of a payment method according to a second embodiment of the present invention.
Fig. 12 is a flowchart illustrating sub-steps included in step S220 in fig. 11.
Fig. 13 is a flowchart illustrating the sub-steps included in step S210 in fig. 11.
Fig. 14 is a block diagram of a payment device according to a third embodiment of the present invention.
Icon: 10-purchase payment system; 20-a service platform; 100-a user terminal; 110 — a first memory; 120-a first storage controller; 130-a first processor; 200-a paid service provider; 210-a second memory; 220-a second storage controller; 230-a second processor; 300-a payment platform; 310-a third memory; 320-a third storage controller; 330-a third processor; 400-a payment device; 410-deduction module; 411-a receive sub-module; 412-Payment submodule.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. The components of embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the present invention, presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present invention without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures. Meanwhile, in the description of the present invention, the terms "first", "second", and the like are used only for distinguishing the description, and are not to be construed as indicating or implying relative importance.
Some embodiments of the invention are described in detail below with reference to the accompanying drawings. The embodiments described below and the features of the embodiments can be combined with each other without conflict.
Referring to fig. 1, fig. 1 is a block diagram illustrating a purchase payment system 10 according to a preferred embodiment of the present invention. The purchase payment system 10 includes a user terminal 100 and a service platform 20. The user terminal 100 and the service platform 20 are connected in communication through a network. The network may be wired or wireless.
In this embodiment, the user terminal 100 sends a purchase request to the service platform 20. The service platform 20 makes a deduction payment according to the purchase request. Therefore, payment can be made without scanning the payment code, and the use experience of the user is improved.
Referring to fig. 2, fig. 2 is a block diagram of the ue 100 shown in fig. 1. In this embodiment, the user terminal 100 may be, but is not limited to, a smart phone, a tablet computer, a smart television, and the like. The user terminal 100 includes: a payment device 400, a first memory 110, a first memory controller 120, and a first processor 130.
The elements of the first memory 110, the first memory controller 120 and the first processor 130 are electrically connected directly or indirectly to realize data transmission or interaction. For example, the components may be electrically connected to each other via one or more communication buses or signal lines. The first memory 110 stores therein a payment apparatus 400, and the payment apparatus 400 includes at least one software function module that can be stored in the form of software or firmware (firmware) in the first memory 110. The first processor 130 executes various functional applications and data processing by running software programs and modules stored in the first memory 110, such as the payment apparatus 400 in the embodiment of the present invention.
The first Memory 110 may be, but is not limited to, a Random Access Memory (RAM), a Read Only Memory (ROM), a Programmable Read-Only Memory (PROM), an Erasable Read-Only Memory (EPROM), an electrically Erasable Read-Only Memory (EEPROM), and the like. The first memory 110 is used for storing a program, and the first processor 130 executes the program after receiving the execution instruction. Access to the first memory 110 by the first processor 130 and possibly other components may be under the control of the first memory controller 120.
The first processor 130 may be an integrated circuit chip having signal processing capabilities. The first Processor 130 may be a general-purpose Processor including a Central Processing Unit (CPU), a Network Processor (NP), and the like. But may also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware components. The various methods, steps and logic blocks disclosed in the embodiments of the present invention may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
It is to be understood that the structure shown in fig. 2 is merely illustrative, and the user terminal 100 may also include more or fewer components than shown in fig. 2, or have a different configuration than shown in fig. 2. The components shown in fig. 2 may be implemented in hardware, software, or a combination thereof.
Referring again to fig. 1, the service platform 20 may be a hardware device that provides payment and payment functions, or may be composed of a payment service provider 200 and a payment platform 300 that are communicatively connected. The payment service provider 200 receives a purchase request transmitted from the user terminal 100 and transmits the received purchase request to the payment platform 300. And the payment platform 300 carries out deduction payment according to the purchase condition.
Referring to fig. 3, fig. 3 is a block diagram of the payment service provider 200 shown in fig. 1. In this embodiment, the payment service provider 200 may be, but is not limited to, a server of a provider, a client of a provider, and the like. The payment service provider 200 includes a second memory 210, a second memory controller 220, and a second processor 230.
The second memory 210, the second memory controller 220, and the second processor 230 have the same hardware configuration as the first memory 110, the first memory controller 120, and the first processor 130 in fig. 2, and thus are not described herein.
Referring to fig. 4, fig. 4 is a block diagram of the payment platform 300 shown in fig. 1. In this embodiment, the payment platform 300 may be a server or other hardware devices. The payment platform 300 includes a third memory 310, a third memory controller 320, and a third processor 330.
The third memory 310, the third memory controller 320 and the third processor 330 have the same hardware configuration as the first memory 110, the first memory controller 120 and the first processor 130 in fig. 2, and thus will not be described again.
First embodiment
Referring to fig. 5, fig. 5 is a flowchart illustrating a payment method according to a first embodiment of the invention. The method is applied to the purchase payment system 10. The purchase payment system 10 includes a user terminal 100 and a service platform 20 communicatively connected to each other. The specific flow of the payment method is explained in detail below.
In step S120, the user terminal 100 receives a selection operation of the paid content and sends a purchase request to the service platform 20 according to the selected paid content. (Chinese character in figure 1)
In the present embodiment, the user browses the pay content through the user terminal 100, thereby selecting the pay content to be purchased. The user terminal 100 receives a user selection operation of the pay content, thereby generating a purchase request according to the selected pay content.
The purchase request includes the paid content, the payment amount, and the identifier of the user terminal 100, where the identifiers are in one-to-one correspondence with the user terminal 100. The paid content in the purchase request may include information (e.g., name), unit price, and quantity of the paid content. The payment amount refers to a total amount corresponding to the selected payment content. The identifier of the user terminal 100 corresponds to the user terminal 100 one to one, and the identifier of the user terminal 100 may be, but is not limited to, a Media Access Control (MAC) address, an international mobile subscriber identity, a device serial number (e.g., a smart television serial number, a mobile phone serial number, etc.) of the user terminal 100, and the like.
In the embodiment of the present embodiment, the user terminal 100 sends the identifier of the user terminal 100 to the service platform 20 together with the paid content and the payment amount in an encrypted manner.
In step S130, the service platform 20 receives the purchase request, finds the user account corresponding to the identifier according to the identifier of the user terminal 100, and deducts the payment amount from the user account.
In this embodiment, since the identifier of the user terminal 100 corresponds to the user account, the service platform 20 finds the corresponding user account from the identifier, and completes the purchase of the payment content by the user terminal 100 by deducting from the user account.
Referring to fig. 6, fig. 6 is a flowchart illustrating sub-steps included in step S130 in fig. 5. The step S130 may include a substep S131 and a substep S132. In this embodiment, the service platform 20 may include a payment service provider 200 and a payment platform 300 connected in communication.
In step S131, the payment service provider 200 receives the purchase request and sends the purchase request to the payment platform 300.
In this embodiment, the payment service provider 200 receives a purchase request transmitted by the user terminal 100 through a network. Before responding to the purchase request, the purchase request is sent to the payment platform 300, so that the payment platform 300 completes payment, and thus provides corresponding services to respond to the purchase request.
In step S132, the payment platform 300 finds the user account corresponding to the identifier according to the identifier of the user terminal 100, and deducts the payment amount from the user account to pay the payment amount corresponding to the payment content to the payment service provider 200.
In this embodiment, after receiving the purchase request sent by the payment service provider 200, the payment platform 300 analyzes the purchase request to obtain the paid content, the payment amount, and the identifier of the user terminal 100 in the purchase request. The payment platform 300 searches the third memory 310 for the user account corresponding to the identifier of the user terminal 100 according to the identifier. After finding the user account, the payment platform 300 deducts money from the user account according to the payment amount in the purchase request, so as to pay the payment amount corresponding to the payment content to the payment service provider 200.
The transaction payment process occurs only between the payment service provider 200 and the payment platform 300, and the user does not need to participate in the payment process, which makes it very convenient for the user to purchase the paid content.
Referring to fig. 7, fig. 7 is a second schematic flow chart of a payment method according to the first embodiment of the present invention. After step S130, the method may further include: in step S150, after receiving the information of successful payment sent by the payment platform 300, the payment service provider 200 provides corresponding services according to the online or offline service corresponding to the payment content.
The method for providing the corresponding service by the paid service provider 200 according to the online or offline service corresponding to the paid content includes:
when the paid content corresponds to an offline service, the paid service provider 200 receives user information corresponding to an identifier of the user terminal 100, which is sent by the payment platform 300, to perform the offline service, wherein the user information includes a user address; or,
when the paid content corresponds to an online service, the paid service provider 200 transmits the paid content to the user terminal 100 to perform the online paid service corresponding to the paid content.
In this embodiment, the premium content may be any item (e.g., a movie, a game, etc.). The paid content may correspond to an online service or an offline service. The offline service may be delivery of physical objects (e.g., household appliances), and may also be some door-to-door services, such as installation, maintenance, upgrade, modification, and the like. The online service may be a service providing pay video, pay games, and the like. The payment service provider 200 determines whether the payment content corresponds to an online service or an offline service according to the purchase request.
In this embodiment, after the payment platform 300 finishes deduction, the payment platform 300 determines that the payment content corresponds to an online service or an offline service according to the purchase request. When the paid content corresponds to an offline service, the payment platform 300 transmits user information corresponding to an identifier of the user terminal 100 to the paid service provider 200. Wherein the user information comprises a user address. After the payment service provider 200 receives the notification of successful deduction sent by the payment platform 300, the payment service provider 200 provides the payment content to the user according to the user address to perform the offline service.
When the paid content corresponds to an online service, the paid service provider 200 directly sends the paid content to the user terminal 100 after receiving a notification of successful deduction sent by the payment platform 300. The user terminal 100 receives and displays the paid contents to enable the user to use the online service provided by the paid service provider 200.
Referring to fig. 8, fig. 8 is a third schematic flow chart of a payment method according to the first embodiment of the present invention. The method may further comprise: in step S140, the user terminal 100 receives and displays the payment result sent by the payment platform 300.
In this embodiment, the payment platform 300 sends the payment result to the user terminal 100 and the payment service provider 200 after the payment is completed. The payment result may include information of payment success and payment failure. After receiving the payment result, the user terminal 100 displays the payment result, so that the user obtains an actual payment condition.
In the implementation of this embodiment, the user terminal 100 may further display the reason of the deduction failure, for example: "transaction fails, the user account 100 is not bound", "transaction fails, the arrears of the user account of the user terminal 100 have reached the upper limit", and the like.
In an embodiment of this embodiment, the user terminal 100 may further display another payment method when the deduction fails, so as to enable the user to complete the transaction.
Referring to fig. 9, fig. 9 is a fourth flowchart illustrating a payment method according to a first embodiment of the invention. The method may further comprise: in step S110, the payment platform 300 registers the user account based on the registration request of the user account.
Referring to fig. 10, fig. 10 is a flowchart illustrating sub-steps included in step S110 in fig. 9. The step S110 may include a substep S111 and a substep S112.
And a substep S111 of receiving the input account registration information.
In this embodiment, the user terminal 100 receives account registration information input by a user, and sends the account registration information to the payment platform 300. The payment platform 300 receives account registration information sent by the user terminal 100 to complete the registration of the user account. The account name of the user account may be generated by the payment platform 300 according to the input account registration information, may be named by the user himself, or may be an identifier of the user terminal 100. The account registration information includes a payment method, an identifier of the user terminal 100, and account receipt information.
Wherein the payment mode comprises at least one of payment from a bound bank card, payment from a top-up account and payment by credit. The bank card number corresponding to the user account number may be one or more. The payment from the recharge account may be a payment from a third party payment platform, such as a payer, a QQ wallet, a wechat wallet, etc., or may be a payment deducted from a consumption amount pre-stored or given when the user terminal 100 is purchased. The point payment is adopted, namely payment is carried out on the payment content by converting the points into the consumption amount when the points which can be converted from the consumption amount exist in the user account.
In the embodiment of this embodiment, the user terminal 100 that sends the account information to the payment platform 300 and the user terminal 100 that sends the purchase request may be the same user terminal 100 or different user terminals 100.
In the embodiment of the present embodiment, the identifier of the user terminal 100 corresponding to the user account may be one, or may be multiple. For example, the user account of the user may be added with an identifier of the user terminal 100 of the user himself or an identifier of the user terminal 100 of the user parent. Therefore, a plurality of user terminals 100 can pay for paid contents through one user account, and the situation that people without online user accounts (such as old people) cannot buy paid contents is avoided.
In the embodiment of the present embodiment, the user address is a user address corresponding to the user terminal 100. One or more user addresses may be associated with the same user terminal 100.
And a substep S112 of performing user account registration based on the input account registration information.
In this embodiment, when there are a plurality of payment methods in the user account registration, the step of registering the user account based on the input account registration information further includes:
and setting a deduction sequence corresponding to the plurality of payment modes.
In this embodiment, the payment platform 300 stores the account registration information. When the payment platform 300 deducts money according to the payment amount, if the payment of the current payment mode fails, the payment platform 300 deducts money through the next payment mode according to the set deduction sequence.
When the user address is multiple, one of the multiple user addresses may be set as a default user address. When the paid content corresponds to an offline service, the payment platform 300 sends the default user address to the paid service provider 200.
When the user updates and edits the account registration information, the payment platform 300 correspondingly updates the stored account registration information.
In the embodiment of the present embodiment, when performing account registration, a daily payment limit may be further set and an account message (e.g., a deduction consumption notification, a arrearage notification, etc.) may be sent to the corresponding user terminal 100. The user terminal 100 may also receive a recharge operation, a cash withdrawal operation, and the like of the user account.
In order to ensure the security of the transaction, the user terminal 100 and the payment service provider 200 in the purchase payment system 10 are registered and authenticated on the payment platform 300 in advance.
Second embodiment
Referring to fig. 11, fig. 11 is a flowchart illustrating a payment method according to a second embodiment of the present invention. The method is applied to a service platform 20 in communicative connection with a user terminal 100. The method includes step S220.
Step S220, receiving a purchase request sent by the user terminal 100 based on a selection operation of the payment content, finding a user account corresponding to the identifier according to the identifier of the user terminal 100 in the purchase request, and deducting the payment amount from the user account.
The purchase request includes the paid content, the payment amount, and the identifier of the user terminal 100, where the identifiers are in one-to-one correspondence with the user terminal 100.
Referring to fig. 12, fig. 12 is a flowchart illustrating sub-steps included in step S220 in fig. 11. The step S220 may include a substep S221 and a substep S222. In this embodiment, the service platform 20 may include a payment service provider 200 and a payment platform 300 connected in communication.
Sub-step S221, the payment service provider 200 receives the purchase request and sends the purchase request to the payment platform 300.
In sub-step S222, the payment platform 300 finds the user account corresponding to the identifier according to the identifier of the user terminal 100, and deducts the payment amount from the user account to pay the payment amount corresponding to the paid content to the paid service provider 200.
Referring to fig. 11 again, the method may further include: in step 210, the payment platform 300 registers the user account based on the registration request of the user account.
Referring to fig. 13, fig. 13 is a flowchart illustrating the sub-steps included in step S210 in fig. 11. The step S210 may include a substep S211 and a substep S212.
And a substep S211 of receiving the input account registration information.
In this embodiment, the account registration information includes a payment method, an identifier of the user terminal 100, and user information, where the payment method includes at least one of payment from a bound bank card, payment from a top-up account, and payment using credit.
And a substep S212 of registering the user account based on the input account registration information.
In this embodiment, when there are a plurality of payment methods in the user account registration, the step of registering the user account based on the input account registration information further includes:
and setting a deduction sequence corresponding to the plurality of payment modes.
In the present embodiment, please refer to the description of step S110 and step S130 in the first embodiment for the detailed description of step S210 and step S220.
Third embodiment
Referring to fig. 14, fig. 14 is a block diagram of a payment apparatus 400 according to a third embodiment of the invention. The payment apparatus 400 is applied to a service platform 20 in communication connection with a user terminal 100. The payment device 400 may include a deduction module 410.
The deduction module 410 is configured to receive a purchase request sent by the user terminal 100 based on a selection operation of a payment content, find a user account corresponding to an identifier of the user terminal 100 in the purchase request, and deduct a payment amount from the user account.
The purchase request includes the paid content, the payment amount, and the identifier of the user terminal 100, where the identifiers are in one-to-one correspondence with the user terminal 100.
In this embodiment, the service platform 20 may include a payment service provider 200 and a payment platform 300 connected in communication. The deduction module 410 includes a receiving sub-module 411 and a payment sub-module 412. The payment service provider 200 includes a receiving sub-module 411, and the payment platform 300 includes a payment sub-module 412.
The receiving sub-module 411 is configured to receive the purchase request and send the purchase request to the payment platform 300.
The payment sub-module 412 is configured to find a user account corresponding to the identifier according to the identifier of the user terminal 100, and deduct the payment amount from the user account to pay the payment amount corresponding to the paid content to the paid service provider 200.
In this embodiment, the deduction module 410 is configured to perform step S210 in fig. 11, and the detailed description about the deduction module 410 may refer to the description of step S130.
In summary, the embodiments of the present invention provide a payment method and device. The method is applied to a purchase payment system, and the system comprises a user terminal and a service platform which are in communication connection. The user terminal receives the selection operation of the paid content and generates a purchase request according to the selected paid content. The purchase request comprises paid content, payment amount and identifiers of user terminals, and the identifiers are in one-to-one correspondence with the user terminals. After receiving the purchase request, the service platform searches the corresponding user account according to the identifier, and deducts money from the user account to complete the purchase of the payment content by the user terminal 100. Therefore, payment can be completed by deducting money in the user account corresponding to the identifier without scanning the payment code and only sending a purchase request containing the identifier of the user terminal. The whole purchase payment process is simplified, and the use experience of the user is improved.
The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims (12)

1. A payment method is applied to a purchase payment system, the system comprises a user terminal and a service platform which are in communication connection, and the method comprises the following steps:
the user terminal receives selection operation of the paid content and sends a purchase request to the service platform according to the selected paid content, wherein the purchase request comprises the paid content, payment amount and identifiers of the user terminal, and the identifiers are in one-to-one correspondence with the user terminal;
and the service platform receives the purchase request, finds a user account corresponding to the identifier according to the identifier of the user terminal, and deducts the payment amount from the user account.
2. The method according to claim 1, wherein the service platform comprises a payment service provider and a payment platform which are connected in a communication manner, the step of the service platform receiving the purchase request, finding a user account corresponding to the identifier according to the identifier of the user terminal, and deducting the payment amount from the user account comprises:
the payment service provider receives the purchase request and sends the purchase request to the payment platform;
and the payment platform finds the user account corresponding to the identifier according to the identifier of the user terminal, and deducts the payment amount from the user account so as to pay the payment amount corresponding to the payment content to the payment service provider.
3. The method according to claim 2, wherein after the step of the payment platform finding the user account corresponding to the identifier of the user terminal according to the identifier of the user terminal and deducting the payment amount from the user account to pay the payment amount corresponding to the paid content to the paid service provider, the method further comprises:
after receiving the information of successful payment sent by the payment platform, the payment service provider provides corresponding services according to the online service or the offline service corresponding to the payment content:
when the paid content corresponds to an offline service, the paid service provider receives user information which is sent by the payment platform and corresponds to an identifier of the user terminal so as to perform the offline service, wherein the user information comprises a user address; or,
and when the paid content corresponds to an online service, the paid service provider sends the paid content to the user terminal to perform the online paid service corresponding to the paid content.
4. The method of claim 2, further comprising:
and the user terminal receives and displays the payment result sent by the payment platform.
5. The method of claim 2, further comprising:
the payment platform registers the user account based on the registration request of the user account;
the step of registering the user account by the payment platform based on the registration request of the user account comprises the following steps:
receiving input account registration information, wherein the account registration information comprises a payment mode, an identifier of a user terminal and user information, and the payment mode comprises at least one of payment from a bound bank card, payment from a recharging account and payment by credit;
and registering the user account based on the input account registration information.
6. The method of claim 5, wherein when there are multiple payment methods in the user account registration, the step of performing the user account registration based on the input account registration information further comprises:
and setting a deduction sequence corresponding to the plurality of payment modes.
7. A payment method is applied to a service platform which is in communication connection with a user terminal, and is characterized by comprising the following steps:
receiving a purchase request sent by the user terminal based on the selection operation of the paid content, finding a user account corresponding to an identifier according to the identifier of the user terminal in the purchase request, and deducting payment amount from the user account, wherein the purchase request comprises the paid content, the payment amount and the identifier of the user terminal, and the identifiers are in one-to-one correspondence with the user terminal.
8. The method according to claim 7, wherein the service platform comprises a payment service provider and a payment platform which are communicatively connected, and the step of receiving a purchase request sent by the user terminal based on a selection operation of a payment content, finding a user account corresponding to an identifier of the user terminal in the purchase request, and deducting a payment amount from the user account comprises:
the payment service provider receives the purchase request and sends the purchase request to the payment platform;
and the payment platform finds the user account corresponding to the identifier according to the identifier of the user terminal, and deducts the payment amount from the user account so as to pay the payment amount corresponding to the payment content to the payment service provider.
9. The method of claim 8, further comprising:
the payment platform registers the user account based on the registration request of the user account;
the step of registering the user account by the payment platform based on the registration request of the user account comprises the following steps:
receiving input account registration information, wherein the account registration information comprises a payment mode, an identifier of a user terminal and user information, and the payment mode comprises at least one of payment from a bound bank card, payment from a recharging account and payment by credit;
and registering the user account based on the input account registration information.
10. The method of claim 9, wherein when there are multiple payment methods in the user account registration, the step of performing the user account registration based on the input account registration information further comprises:
and setting a deduction sequence corresponding to the plurality of payment modes.
11. A payment apparatus for a service platform communicatively connected to a user terminal, the apparatus comprising:
and the deduction module is used for receiving a purchase request sent by the user terminal based on the selection operation of the paid content, finding a user account corresponding to the identifier according to the identifier of the user terminal in the purchase request, and deducting payment amount from the user account, wherein the purchase request comprises the paid content, the payment amount and the identifier of the user terminal, and the identifiers are in one-to-one correspondence with the user terminal.
12. The apparatus of claim 11, wherein the service platform comprises a payment service provider and a payment platform that are communicatively coupled, wherein the deduction module comprises a receiving sub-module and a payment sub-module, wherein the payment service provider comprises a receiving sub-module, wherein the payment platform comprises a payment sub-module,
the receiving submodule is used for receiving the purchase request and sending the purchase request to the payment platform;
and the payment sub-module is used for finding the user account corresponding to the identifier according to the identifier of the user terminal and deducting the payment amount from the user account so as to pay the payment amount corresponding to the payment content to the payment service provider.
CN201710369965.1A 2017-05-23 2017-05-23 Method of payment and device Pending CN107103463A (en)

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