CN107122963A - A kind of method and apparatus paid - Google Patents
A kind of method and apparatus paid Download PDFInfo
- Publication number
- CN107122963A CN107122963A CN201610101581.7A CN201610101581A CN107122963A CN 107122963 A CN107122963 A CN 107122963A CN 201610101581 A CN201610101581 A CN 201610101581A CN 107122963 A CN107122963 A CN 107122963A
- Authority
- CN
- China
- Prior art keywords
- payment
- user
- pay
- paid
- money
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
-
- 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
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
-
- 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
Abstract
The invention relates to network payment technical field, more particularly to a kind of method and apparatus paid, to solve to prop up the mode paid earnest money present in prior art, it is necessary to buyer is repeatedly paid, the problem of payment process is comparatively laborious.The embodiment of the present application is directed to a transaction for needing to pay at least twice, after user once pay, if user's selection is automatic to carry out continuation payment, after the automatic time of payment reaches, the payment account set by the user pays the amount of money for needing to pay next time.Due to needing the transaction paid at least twice can be after the automatic time of payment reaches for one, the payment account set by the user pays the amount of money for needing to pay next time, is repeatedly paid manually without buyer, simplifies payment process.
Description
Technical field
The application is related to network payment technical field, more particularly to a kind of method and apparatus paid.
Background technology
Current network is developed rapidly so that many things can be carried out by network, wherein being purchased with network
Thing is popularized the most.
Shopping at network is product of the seller by network display oneself, and buyer is led to by network picking commodities
Network is crossed to be bought.
Compared to more aspectant buying pattern, the means of payment of shopping at network is usually that buyer leads to payment
Cross network and pay third party, then seller delivers, buyer receives third party after goods confirms and buyer is paid into gold again
Volume pays seller.
With the variation of online transaction mode, increasing mode of doing business is occurred in that.Except friendship above
Easy mode, occur in that in time process of exchange of the mode of doing business that can be repeatedly paid, i.e., one buyer need into
Row is repeatedly paid, but this mode needs buyer repeatedly to be paid manually at present, and payment process is more numerous
It is trivial.
The content of the invention
The application provides a kind of method and apparatus paid, to solve to pay present in prior art
The mode of deposit is, it is necessary to buyer is repeatedly paid, the problem of payment process is comparatively laborious.
A kind of method paid that the embodiment of the present application is provided, this method includes：
The transaction that pays at least twice is needed for one, after user once pay, judges that user is
No selection is automatic to carry out continuation payment；
If user's selection is automatic to carry out continuation payment, after the automatic time of payment reaches, pass through the user
The payment account of setting pays the amount of money for needing to pay next time.
The embodiment of the present application is directed to a transaction for needing to pay at least twice, is once paid in user
Afterwards, if user's selection is automatic to carry out continuation payment, after the automatic time of payment reaches, the user is passed through
The payment account of setting pays the amount of money for needing to pay next time.Due to needing to pay at least twice for one
Transaction can be after the automatic time of payment reaches, the payment account set by the user is paid next time
The amount of money paid is needed, is repeatedly paid manually without buyer, simplifies payment process.
Optionally, after user once pay, judge whether user selects to carry out continuation payment automatically,
Including：
After user once pay, the automatic option for carrying out continuation payment is shown paying the page；
Judge whether user clicks on the option of the automatic carry out continuation payment；
If user clicks on, it is determined that user's selection is automatic to carry out continuation payment；
Otherwise, it determines user does not select to carry out continuation payment automatically.
Because the embodiment of the present application shows the option of automatic progress continuation payment in the payment page, so as to more
Timely and accurately judge whether user needs to carry out continuation payment automatically, improve automatic progress continuation payment
Efficiency.
Optionally, after the automatic time of payment reaches, the payment account set by the user pays next
The secondary amount of money for needing to pay, including：
If the user sets multiple payment accounts, according to payment account priority, from multiple payment accounts
Select a payment account；
The amount of money for needing to pay next time is paid by the payment account of selection.
Because the embodiment of the present application is according to payment account priority, a payment is selected from multiple payment accounts
Account so that payment process disclosure satisfy that different demands.
Optionally, after paying the amount of money for needing to pay next time by the payment account of selection, in addition to：
If the payment account currently selected can not pay the amount of money for needing to pay next time, paid a bill from multiple
It is non-selected before selecting one in family, and the account of highest priority, and pass back through the payment account of selection
The step of paying the amount of money for needing to pay next time.
Because the embodiment of the present application can select other accounts to continue after a payment account payment is unsuccessful
Pay, improve the success rate of payment.
Optionally, it is described after user once pay, judge whether user selects subsequently to be propped up automatically
Pay, including：
After the first time during the user pay at least twice pays, judge whether user selects automatically
Carry out continuation payment；
It is determined that the follow-up amount of money for needing to pay next time for needing to pay, including：
Total amount of merchandising is subtracted to the amount of money paid for the first time to obtain subsequently needing what is paid to need branch next time
The amount of money paid.
It is multiple without buyer because the embodiment of the present application can apply to need a transaction paid earnest money
Paid manually, simplify payment process.And the mode of the embodiment of the present application, can also avoid due to
Deposit loss or situation about can not buy occur caused by buyer forgets；It can actively promote transaction for seller
Reach, lift the shipment amount of seller.
Optionally, the automatic time of payment is the time or merchandised after first time payment that user is set
The corresponding amount of money for needing to pay next time completes the time paid.
A kind of equipment paid that the embodiment of the present application is provided, the equipment includes：
Judge module, for needing the transaction that pays at least twice for one, is once paid in user
Afterwards, judge whether user selects to carry out continuation payment automatically；
Processing module, if determining that user's selection is automatic for the judge module carries out continuation payment, certainly
After the dynamic time of payment reaches, the payment account set by the user pays the gold for needing to pay next time
Volume.
Optionally, the judge module specifically for：
After user once pay, the automatic option for carrying out continuation payment is shown paying the page；
Judge whether user clicks on the option of the automatic carry out continuation payment；
If user clicks on, it is determined that user's selection is automatic to carry out continuation payment；
Otherwise, it determines user does not select to carry out continuation payment automatically.
Optionally, the processing module specifically for：
If the user sets multiple payment accounts, according to payment account priority, from multiple payment accounts
Select a payment account；
The amount of money for needing to pay next time is paid by the payment account of selection.
Optionally, the processing module is additionally operable to：
If the payment account currently selected can not pay the amount of money for needing to pay next time, paid a bill from multiple
It is non-selected before selecting one in family, and the account of highest priority, and pass back through the payment account of selection
The step of paying the amount of money for needing to pay next time.
Optionally, the judge module specifically for：
After the first time during the user pay at least twice pays, judge whether user selects automatically
Carry out continuation payment；
The processing module is additionally operable to：
Total amount of merchandising is subtracted to the amount of money paid for the first time to obtain subsequently needing what is paid to need branch next time
The amount of money paid.
Optionally, the automatic time of payment is the time or merchandised after first time payment that user is set
The corresponding amount of money for needing to pay next time completes the time paid.
Brief description of the drawings
In order to illustrate more clearly of the technical scheme in the embodiment of the present application, institute in being described below to embodiment
The accompanying drawing needed to use is briefly introduced, it should be apparent that, drawings in the following description are only the application's
Some embodiments, for one of ordinary skill in the art, are not paying the premise of creative labor
Under, other accompanying drawings can also be obtained according to these accompanying drawings.
Figure 1A is the method flow schematic diagram that the embodiment of the present application is paid；
Figure 1B is one option schematic diagram of the embodiment of the present application；
Fig. 1 C are two option schematic diagrames of the embodiment of the present application；
Fig. 2 is the complete method schematic flow sheet that the embodiment of the present application is paid；
Fig. 3 is the device structure schematic diagram that the embodiment of the present application is paid.
Embodiment
With the development of shopping at network, the means of payment is also in change, and a kind of mode occurred at present is that buyer can
Deposit is cashed without discount payment in part to third party first to prop up, and remainder is at the appointed time paid again to third party, is then sold
Family's delivery, buyer receives third party after goods confirms and pays seller by buyer's payment again.Such as shopping section etc.,
Seller carries out commodity presell before shopping section, and user's branch cashes without discount payment in part the order amount of money as deposit, Deng Daoliao
The movable same day again pays off remaining fund branch, and then seller arranges delivery again.But the mode that this branch is paid earnest money,
Buyer is needed repeatedly to be paid, payment process is comparatively laborious.
Based on this, the embodiment of the present application is directed to a transaction for needing to pay at least twice, and one is carried out in user
After secondary payment, if user's selection is automatic to carry out continuation payment, after the automatic time of payment reaches, pass through institute
The payment account for stating user's setting pays the amount of money for needing to pay next time.Due to needing at least two for one
The transaction of secondary payment can be after the automatic time of payment be reached, and the payment account set by the user is paid
The amount of money paid is needed next time, is repeatedly paid manually without buyer, simplifies payment process.
And the mode of the embodiment of the present application, can also avoid deposit loss or nothing caused by forgeing due to buyer
The situation of method purchase occurs；Actively transaction can be promoted to reach for seller, lift the shipment amount of seller.
In order that the purpose, technical scheme and advantage of the application are clearer, below in conjunction with accompanying drawing to this Shen
It please be described in further detail, it is clear that described embodiment is only a part of embodiment of the application,
Rather than whole embodiments.Based on the embodiment in the application, those of ordinary skill in the art are not doing
Go out all other embodiment obtained under the premise of creative work, belong to the scope of the application protection.
As shown in Figure 1A, the method that the embodiment of the present application is paid includes：
Step 100, the transaction that pays at least twice is needed for one, after user once pay,
Judge whether user selects to carry out continuation payment automatically；
If step 101, the automatic progress continuation payment of user's selection, after the automatic time of payment reaches, lead to
The payment account for crossing user's setting pays the amount of money for needing to pay next time.
The embodiment of the present application needs the transaction paid at least twice to be the transaction for needing branch to pay earnest money, such as
Taobao's massive promotional campaign, such as double 11, in order to guide more users to buy thing on the day of activity,
Typically it can a few days ago carry out commodity presell in activity：I.e. a few days ago, user's branch cashes without discount payment in part the order amount of money for activity
As deposit, wait until that the movable same day again pays off remaining fund branch, then seller arranges delivery again.
Except the transaction that above-mentioned needs branch is paid earnest money, other need equally applicable of the transaction paid at least twice
Apply for embodiment.
Optionally, automatic progress continuation payment can be shown paying the page after user once pay
Option；
Judge whether user clicks on the option of the automatic carry out continuation payment；
If user clicks on, it is determined that user's selection is automatic to carry out continuation payment；
Otherwise, it determines user does not select to carry out continuation payment automatically.
In force, the automatic option for carrying out continuation payment can be added in user pays the successful page,
The automatic option for carrying out continuation payment can also be added in the transaction page that user is paying.
The option can be one, i.e., as shown in Figure 1B, and option content is " carrying out continuation payment automatically "；
It can also be two, i.e., as shown in Figure 1 C, option content one is " carrying out continuation payment automatically ", one
For " not carrying out continuation payment automatically ".
If only one of which option, if then user need not carry out continuation payment automatically, can directly it close
Close the page.If two options, if then user need not carry out continuation payment automatically, can directly it close
The page is closed, the option of " not carrying out continuation payment automatically " can also be clicked on.
The mode of the above-mentioned display option provided is to judge whether user selects to carry out continuation payment automatically
A kind of mode, any can judge whether user selects a kind of automatic mode for carrying out continuation payment to be all suitable for
The embodiment of the present application, it is all automatic to carry out continuation payment as long as such as user can set progress deposit payment.
In force, a user can set multiple payment accounts, such as Alipay, Yuebao, bank
Card etc., can also set other people payment account to pay the bill, i.e., be paid out by other people.
If user's selection is automatic to carry out continuation payment, after the automatic time of payment reaches, used by described
When the payment account that family is set pays the amount of money for needing to pay next time, according to payment account priority, from many
A payment account is selected in individual payment account；And need to pay next time by the payment account payment of selection
The amount of money.
Payment account priority can be manually configured by user, such as user set Alipay, Yuebao,
A bank cards and B bank cards, the priority that user is set are Alipay, A bank cards, Yuebao and B
Bank card, then can select the Alipay account of highest priority to pay the amount of money for needing to pay next time.
If user is not configured manually, user can have been paid used in account as preferential
Level highest bill payment needs the amount of money paid next time.
Optionally, if the payment account currently selected can not pay the amount of money for needing to pay next time, from many
It is non-selected before selecting one in individual payment account, and the account of highest priority, and pass back through selection
The step of payment account pays the amount of money for needing to pay next time.
The priority that such as above example user is set is Alipay, A bank cards, Yuebao and B banks
Card, if Alipay account can not pay the amount of money for needing to pay next time, continues to be paid with A bank cards
The amount of money paid is needed next time, by that analogy until paying successfully, or has set and had the account of priority
Can not all pay needs the amount of money paid then to determine to pay failure next time.
In force, not all account has priority, such as user in all accounts that user is set
The account of setting has Alipay, A bank cards, Yuebao and B bank cards, and user sets priority can manually
With only setting unit account priority, then typically will not automatically it be propped up using the account for being not provided with priority
Pay；
If manual setting unit account priority of user, the account of priority can also will be not provided with certainly
It is dynamic to set priority to be minimum.
If user does not set priority manually, user can typically be paid to used account and made
For the account of highest priority, other accounts can be not provided with priority or set priority minimum.
If identical by multiple account priorities, one can be randomly choosed, or selection subscriber usage is most
High one.
Optionally, if setting multiple payment accounts can not all pay the gold for needing to pay next time with the user
Volume, then notify user to pay failure automatically according to the advice method of setting.
If paid successfully, the embodiment of the present application can also notify user to prop up automatically according to the advice method of setting
Pay successfully.
Above-mentioned advice method include but is not limited to it is following in it is part or all of：
Short message is sent to default number, default number is dialed and plays voice, sent out to default email address
Send mail, the software PUSH message by user installation.
Optionally, it is described after user once pay, judge whether user selects subsequently to be propped up automatically
Fu Shi：(than if desired for payment deposit after being paid in the first time during the user pay at least twice
Transaction, general user's payment for the first time is exactly that branch is paid earnest money), judge whether user selects automatic carry out subsequently
Pay.
The specific follow-up amount of money for needing to pay next time for needing to pay subtracts for transaction total amount to be propped up for the first time
The amount of money that the amount of money paid is obtained.
The such as transaction is that buyer buys a pair of shoes, and value 300, the amount of money paid for the first time is 100, then after
It is continuous to need the amount of money for needing to pay next time paid to be 200.
Optionally, the automatic time of payment is the time or handed over after first time payment that user is set as described
The easily corresponding amount of money for needing to pay next time completes the time paid.
In force, the time that user is set can be a time point or a period of time, if
Be a period of time, then can be in a period of time whenever automatically progress continuation payment.
Merchandised the corresponding time for needing the amount of money completion paid to pay next time after first time payment
To need a time point in the period paid after the corresponding progress of the transaction, the time point can be the friendship
Need to obtain any one time point in the period paid after easy corresponding progress.
Such as transaction is bought a pair of shoes and paid earnest money, it is necessary to prop up for buyer, pays remaining fund on November 11 and referring to working as
Its activity, the period that payment is needed after the corresponding progress of the transaction is 0 point of November 11 day by 59 minutes when 23
59 seconds, if then user November 11 branch pay earnest money, and automatic pay of user's selection needs next time
The amount of money of payment, can one time of selection clicks through in 59 seconds 59 minutes when 0 point of November 11 day is to 23
Row is automatic to be paid.
Optionally, if the time that user is set can be a period, it can select to originate in the period
Moment pays, or close to the payment of moment period period in the period；
If the time for needing the amount of money paid to complete to pay next time is the period, can be from the period
Moment beginning pays, or close to the payment of moment period period in the period.
Such benefit is, if the account that user is set can not complete to pay, user can be allowed to have the time manual
Pay.
Because time started active day payment system pressure ratio is larger, if needing the amount of money paid complete next time
Time into payment is an active day, such as November 11, then the time paid automatically can select
Pay, such as paid in 9 points of morning of November 11 after setting duration after starting November 11, this
Sample can mitigate payment system pressure.
The automatic time of payment is set with user below, and mode of doing business is detailed to be carried out exemplified by a mode paid earnest money
Describe in detail bright, other modes of doing business are similar, will not be repeated here.
As shown in Fig. 2 the complete method that the embodiment of the present application is paid includes：
Step 200, judge the order whether need branch pay earnest money；If it is, performing step 201；It is no
Then, this flow is jumped out.
Wherein, it can judge after buyer places an order that step 200, which judges whether the order needs branch to pay earnest money,
Can also judge when deposit trade mode is selected before buyer places an order.As long as paid earnest money in buyer's branch
Judge before.
Step 201, after buyer's branch is paid earnest money, paying the page and show the option of automatic progress continuation payment.
Step 202, judge whether user clicks on the option of the automatic carry out continuation payment；If it is,
Perform step 203；Otherwise, this flow is jumped out.
Step 203, prompting user set the automatic time of payment, and record the automatic time of payment of user's setting.
Step 204, judge whether the automatic time of payment reaches, if it is, performing step 205；Otherwise,
Return to step 204.
The priority of step 205, the account set according to user, it is non-selected before selection one, and preferentially
Level highest account, and the amount of money paid is needed by the bill payment of selection next time.
Step 206, judge whether successfully to pay the amount of money for needing to pay next time, if it is, notifying to use
Family is paid successfully；Otherwise, step 207 is performed.
Step 207, judge user set account in whether also have it is non-selected；If so, then returning to step
Rapid 205；Otherwise, step 208 is performed.
Step 208, notify user pay failure.
As shown in figure 3, the equipment that the embodiment of the present application is paid includes：
Judge module 300, for needing the transaction that pays at least twice for one, is carried out once in user
After payment, judge whether user selects to carry out continuation payment automatically；
Processing module 301, if determining that user's selection is automatic for the judge module carries out continuation payment,
After the automatic time of payment reaches, the payment account set by the user is paid needs what is paid next time
The amount of money.
The embodiment of the present application needs the transaction paid at least twice to be the transaction for needing branch to pay earnest money, such as
Taobao's massive promotional campaign, such as double 11, in order to guide more users to buy thing on the day of activity,
Typically it can a few days ago carry out commodity presell in activity：I.e. a few days ago, user's branch cashes without discount payment in part the order amount of money for activity
As deposit, wait until that the movable same day again pays off remaining fund branch, then seller arranges delivery again.
Except the transaction that above-mentioned needs branch is paid earnest money, other need equally applicable of the transaction paid at least twice
Apply for embodiment.
Optionally, the judge module 300 specifically for：
After user once pay, the automatic option for carrying out continuation payment is shown paying the page；
Judge whether user clicks on the option of the automatic carry out continuation payment；
If user clicks on, it is determined that user's selection is automatic to carry out continuation payment；
Otherwise, it determines user does not select to carry out continuation payment automatically.
In force, the automatic option for carrying out continuation payment can be added in user pays the successful page,
The automatic option for carrying out continuation payment can also be added in the transaction page that user is paying.
The option can be one, i.e., as shown in Figure 1B, and option content is " carrying out continuation payment automatically "；
It can also be two, i.e., as shown in Figure 1 C, option content one is " carrying out continuation payment automatically ", one
For " not carrying out continuation payment automatically ".
If only one of which option, if then user need not carry out continuation payment automatically, can directly it close
Close the page.If two options, if then user need not carry out continuation payment automatically, can directly it close
The page is closed, the option of " not carrying out continuation payment automatically " can also be clicked on.
The mode of the above-mentioned display option provided is to judge whether user selects to carry out continuation payment automatically
A kind of mode, any can judge whether user selects a kind of automatic mode for carrying out continuation payment to be all suitable for
The embodiment of the present application, it is all automatic to carry out continuation payment as long as such as user can set progress deposit payment.
In force, a user can set multiple payment accounts, such as Alipay, Yuebao, bank
Card etc., can also set other people payment account to pay the bill, i.e., be paid out by other people.
Optionally, the processing module 301 specifically for：
If the user sets multiple payment accounts, according to payment account priority, from multiple payment accounts
Select a payment account；
The amount of money for needing to pay next time is paid by the payment account of selection.
Payment account priority can be manually configured by user, such as user set Alipay, Yuebao,
A bank cards and B bank cards, the priority that user is set are Alipay, A bank cards, Yuebao and B
Bank card, then can select the Alipay account of highest priority to pay the amount of money for needing to pay next time.
If user is not configured manually, user can have been paid used in account as preferential
Level highest bill payment needs the amount of money paid next time.
Optionally, the processing module 301 is additionally operable to：
If the payment account currently selected can not pay the amount of money for needing to pay next time, paid a bill from multiple
It is non-selected before selecting one in family, and the account of highest priority, and pass back through the payment account of selection
The step of paying the amount of money for needing to pay next time.
The priority that such as above example user is set is Alipay, A bank cards, Yuebao and B banks
Card, if Alipay account can not pay the amount of money for needing to pay next time, continues to be paid with A bank cards
The amount of money paid is needed next time, by that analogy until paying successfully, or has set and had the account of priority
Can not all pay needs the amount of money paid then to determine to pay failure next time.
In force, not all account has priority, such as user in all accounts that user is set
The account of setting has Alipay, A bank cards, Yuebao and B bank cards, and user sets priority can manually
With only setting unit account priority, then typically will not automatically it be propped up using the account for being not provided with priority
Pay；
If manual setting unit account priority of user, the account of priority can also will be not provided with certainly
It is dynamic to set priority to be minimum.
If user does not set priority manually, user can typically be paid to used account and made
For the account of highest priority, other accounts can be not provided with priority or set priority minimum.
If identical by multiple account priorities, one can be randomly choosed, or selection subscriber usage is most
High one.
Optionally, if setting multiple payment accounts can not all pay the gold for needing to pay next time with the user
Volume, then processing module 301 according to the advice method of setting user can be notified to pay failure automatically.
If paid successfully, the processing module 301 of the embodiment of the present application can also according to setting advice method
User is notified to pay success automatically.
Above-mentioned advice method include but is not limited to it is following in it is part or all of：
Short message is sent to default number, default number is dialed and plays voice, sent out to default email address
Send mail, the software PUSH message by user installation.
Optionally, the judge module 300 specifically for：
After the first time during the user pay at least twice pays, judge whether user selects automatically
Carry out continuation payment；
The processing module 301 is additionally operable to：
Total amount of merchandising is subtracted to the amount of money paid for the first time to obtain subsequently needing what is paid to need branch next time
The amount of money paid.
Here multiple payment can be the transaction for needing branch to pay earnest money, then pays for the first time and be generally user's branch
The deposit paid.The such as transaction is that buyer buys a pair of shoes, is worth 300, deposit is 100, then follow-up to need
The amount of money for needing to pay next time paid is 200.
Optionally, the automatic time of payment is the time or merchandised after first time payment that user is set
The corresponding amount of money for needing to pay next time completes the time paid.
In force, the time that user is set can be a time point or a period of time, if
Be a period of time, then can be in a period of time whenever automatically progress continuation payment.
Merchandised the corresponding time for needing the amount of money completion paid to pay next time after first time payment
To need a time point in the period paid after the corresponding progress of the transaction, the time point can be the friendship
Need to obtain any one time point in the period paid after easy corresponding progress.
Such as transaction is bought a pair of shoes and paid earnest money, it is necessary to prop up for buyer, pays remaining fund on November 11 and referring to working as
Its activity, the period that payment is needed after the corresponding progress of the transaction is 0 point of November 11 day by 59 minutes when 23
59 seconds, if then user November 11 branch pay earnest money, and automatic pay of user's selection needs next time
The amount of money of payment, can one time of selection clicks through in 59 seconds 59 minutes when 0 point of November 11 day is to 23
Row is automatic to be paid.
Optionally, if the time that user is set can be a period, it can select to originate in the period
Moment pays, or close to the payment of moment period period in the period；
If the time for needing the amount of money paid to complete to pay next time is the period, can be from the period
Moment beginning pays, or close to the payment of moment period period in the period.
Such benefit is, if the account that user is set can not complete to pay, user can be allowed to have the time manual
Pay.
Because time started active day payment system pressure ratio is larger, if needing the amount of money paid complete next time
Time into payment is an active day, such as November 11, then the time paid automatically can select
Pay, such as paid in 9 points of morning of November 11 after setting duration after starting November 11, this
Sample can mitigate payment system pressure.
It can be seen from the above：The embodiment of the present application is directed to a transaction for needing to pay at least twice,
After user once pay, if user's selection is automatic to carry out continuation payment, arrived in the automatic time of payment
After reaching, the payment account set by the user pays the amount of money for needing to pay next time.Due to for one
The individual transaction for needing to pay at least twice can be set after the automatic time of payment reaches by the user
Payment account pays the amount of money for needing to pay next time, is repeatedly paid manually without buyer, letter
Payment process is changed.
Above by reference to method, device (system) and/or the computer program production shown according to the embodiment of the present application
The block diagram and/or flow chart of product describe the application.It should be understood that frame can be realized by computer program instructions
A block and the combination of block diagram and/or the block of flowchart illustration of figure and/or flowchart illustration.Can be by this
A little computer program instructions are supplied to all-purpose computer, the processor of special-purpose computer and/or other programmable numbers
According to processing unit, to produce machine so that filled via computer processor and/or the processing of other programmable datas
The instruction for putting execution creates the method for being used for realizing function/action specified in block diagram and/or flow chart block.
Correspondingly, it can also be implemented with hardware and/or software (including firmware, resident software, microcode etc.)
The application.Further, the application can take computer can be used or computer-readable recording medium on
Computer program product form, there is the computer realized in media as well can be used or computer-readable for it
Program code, with used by instruction execution system or combined command execution system and use.In the application
Hereinafter, computer can be used or computer-readable medium can be arbitrary medium, it can include, store,
Communication, transmission or transmission program, to be used by instruction execution system, device or equipment, or combined command
Execution system, device or equipment are used.
Obviously, those skilled in the art can carry out various changes and modification without departing from this Shen to the application
Spirit and scope please.So, if these modifications and variations of the application belong to the application claim and
Within the scope of its equivalent technologies, then the application is also intended to comprising including these changes and modification.
Claims (12)
1. a kind of method paid, it is characterised in that this method includes：
The transaction that pays at least twice is needed for one, after user once pay, judges that user is
No selection is automatic to carry out continuation payment；
If user's selection is automatic to carry out continuation payment, after the automatic time of payment reaches, pass through the user
The payment account of setting pays the amount of money for needing to pay next time.
2. the method as described in claim 1, it is characterised in that after user once pay, sentence
Whether disconnected user selects to carry out continuation payment automatically, including：
After user once pay, the automatic option for carrying out continuation payment is shown paying the page；
Judge whether user clicks on the option of the automatic carry out continuation payment；
If user clicks on, it is determined that user's selection is automatic to carry out continuation payment；
Otherwise, it determines user does not select to carry out continuation payment automatically.
3. method as claimed in claim 1 or 2, it is characterised in that after the automatic time of payment reaches,
The payment account set by the user pays the amount of money for needing to pay next time, including：
If the user sets multiple payment accounts, according to payment account priority, from multiple payment accounts
Select a payment account；
The amount of money for needing to pay next time is paid by the payment account of selection.
4. method as claimed in claim 3, it is characterised in that under being paid by the payment account of selection
After the amount of money for once needing payment, in addition to：
If the payment account currently selected can not pay the amount of money for needing to pay next time, paid a bill from multiple
It is non-selected before selecting one in family, and the account of highest priority, and pass back through the payment account of selection
The step of paying the amount of money for needing to pay next time.
5. the method as described in Claims 1 to 4 is any, it is characterised in that described to be carried out once in user
After payment, judge whether user selects to carry out continuation payment automatically, including：
After the first time during the user pay at least twice pays, judge whether user selects automatically
Carry out continuation payment；
It is determined that the follow-up amount of money for needing to pay next time for needing to pay, including：
Total amount of merchandising is subtracted to the amount of money paid for the first time to obtain subsequently needing what is paid to need branch next time
The amount of money paid.
6. method as claimed in claim 5, it is characterised in that the automatic time of payment sets for user
The time put or the corresponding amount of money for needing to pay next time of being merchandised after progress first time payment complete to pay
Time.
7. a kind of equipment paid, it is characterised in that the equipment includes：
Judge module, for needing the transaction that pays at least twice for one, is once paid in user
Afterwards, judge whether user selects to carry out continuation payment automatically；
Processing module, if determining that user's selection is automatic for the judge module carries out continuation payment, certainly
After the dynamic time of payment reaches, the payment account set by the user pays the gold for needing to pay next time
Volume.
8. equipment as claimed in claim 7, it is characterised in that the judge module specifically for：
After user once pay, the automatic option for carrying out continuation payment is shown paying the page；
Judge whether user clicks on the option of the automatic carry out continuation payment；
If user clicks on, it is determined that user's selection is automatic to carry out continuation payment；
Otherwise, it determines user does not select to carry out continuation payment automatically.
9. equipment as claimed in claim 7 or 8, it is characterised in that the processing module specifically for：
If the user sets multiple payment accounts, according to payment account priority, from multiple payment accounts
Select a payment account；
The amount of money for needing to pay next time is paid by the payment account of selection.
10. equipment as claimed in claim 9, it is characterised in that the processing module is additionally operable to：
If the payment account currently selected can not pay the amount of money for needing to pay next time, paid a bill from multiple
It is non-selected before selecting one in family, and the account of highest priority, and pass back through the payment account of selection
The step of paying the amount of money for needing to pay next time.
11. the equipment as described in claim 7~10 is any, it is characterised in that the judge module is specific
For：
After the first time during the user pay at least twice pays, judge whether user selects automatically
Carry out continuation payment；
The processing module is additionally operable to：
Total amount of merchandising is subtracted to the amount of money paid for the first time to obtain subsequently needing what is paid to need branch next time
The amount of money paid.
12. equipment as claimed in claim 11, it is characterised in that the automatic time of payment is user
The corresponding amount of money for needing payment next time of being merchandised after the time of setting or progress first time payment completes branch
The time paid.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610101581.7A CN107122963B (en) | 2016-02-24 | 2016-02-24 | Payment method and equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610101581.7A CN107122963B (en) | 2016-02-24 | 2016-02-24 | Payment method and equipment |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN107122963A true CN107122963A (en) | 2017-09-01 |
| CN107122963B CN107122963B (en) | 2020-10-16 |
Family
ID=59717724
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610101581.7A Active CN107122963B (en) | 2016-02-24 | 2016-02-24 | Payment method and equipment |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107122963B (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107679963A (en) * | 2017-10-17 | 2018-02-09 | 北京迅邦润泽物流有限公司 | A kind of presell method based on B2B |
| CN110246043A (en) * | 2019-04-16 | 2019-09-17 | 阿里巴巴集团控股有限公司 | Project fee payment method, device, electronic equipment and storage medium |
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| CN104616143A (en) * | 2014-11-24 | 2015-05-13 | 腾讯科技（深圳）有限公司 | Virtual bill transfer method and device in social application |
| US20150278946A1 (en) * | 2007-12-27 | 2015-10-01 | Pay It Simple Ltd. | Methods, Systems, Devices and Associated Computer Executable Code for Facilitating Securitized Funding of Deposits, Collateral, Bonds and/or Securities |
| CN105184562A (en) * | 2015-08-27 | 2015-12-23 | 宇龙计算机通信科技(深圳)有限公司 | Mobile payment method and device for terminal |
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| US20150278946A1 (en) * | 2007-12-27 | 2015-10-01 | Pay It Simple Ltd. | Methods, Systems, Devices and Associated Computer Executable Code for Facilitating Securitized Funding of Deposits, Collateral, Bonds and/or Securities |
| CN104361487A (en) * | 2014-10-29 | 2015-02-18 | 中国建设银行股份有限公司 | Method and device of inter-bank automatic repayment of credit card |
| CN104616143A (en) * | 2014-11-24 | 2015-05-13 | 腾讯科技（深圳）有限公司 | Virtual bill transfer method and device in social application |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107679963A (en) * | 2017-10-17 | 2018-02-09 | 北京迅邦润泽物流有限公司 | A kind of presell method based on B2B |
| CN110246043A (en) * | 2019-04-16 | 2019-09-17 | 阿里巴巴集团控股有限公司 | Project fee payment method, device, electronic equipment and storage medium |
Also Published As
| Publication number | Publication date |
|---|---|
| CN107122963B (en) | 2020-10-16 |
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