CN107545425A

CN107545425A - A kind of method of payment and device

Info

Publication number: CN107545425A
Application number: CN201610475639.4A
Authority: CN
Inventors: 周朴生; 李波
Original assignee: Huawei Technologies Co Ltd
Current assignee: Huawei Technologies Co Ltd
Priority date: 2016-06-24
Filing date: 2016-06-24
Publication date: 2018-01-05

Abstract

The invention discloses a kind of method of payment and device, to improve the application of AA money transfer transactions, improves the success rate of transaction.This method is, first terminal with gathering functions receives the AA Receiving informations of user's input, AA gathering requests are generated to send to payment system, payment system obtains the type of each Send only Account, AA is sent to different Send only Accounts based on the type of Send only Account and pays request, the second function with payment function receives AA and pays request, AA corresponding to the ability to pay completion of type and the Send only Account based on Send only Account is paid, so, when carrying out AA payments, terminal capability is not limited, expand the application of AA payments, the situation for avoiding Send only Account simultaneously Sorry, your ticket has not enough value and can not pay, improve the success rate that AA is paid.

Description

A kind of method of payment and device

Technical field

The present invention relates to payment technology field, more particularly to a kind of method of payment and device.

Background technology

At present, available in the application of money transfer transactions, exist it is a variety of support algebraic means (Algebraic Average, AA) the payment application of money transfer transactions, AA money transfer transactions refer to that the Send only Account each consumed is averaged when more people consume jointly The payment consumption amount of money is in the scene of collecting account, for example, group goes to have a dinner party, in fact it could happen that first pay business by some user Family, AA pays the scene of the user again for other people.

In the prior art, when mobile terminal user is transferred accounts using payment application progress AA, receipt and payment both sides, which first consult, to be made Which kind of pays application with, then transferred accounts by following steps：Step 1, payee is by way of the Dutch treatment to payment human hair Gathering request is played, specifically, payee, which opens payment client terminal, enters AA gathering menus, inputs necessary key element, including：Activity Title, number, collection amount, and the selection payment object in the contact person for paying application are participated in, initiate AA gathering requests；Step Two, pay payment system corresponding to application and receive AA gathering requests, all participants are verified, participant must be the branch The registered user of payment platform corresponding to application is paid, and backstage order and daily record are recorded after verifying successfully, is received for this AA Money request generation LINK is sent to each requestee；Step 3, each requestee open the payment application in mobile terminal, click on LINK, input PIN complete payment.

In view of mobile terminal user's installation at present is not single with the payment application that uses, progress AA is needed to transfer accounts friendship every time Yi Shi, receipt and payment both sides will oral negotiation using which kind of pay application, limiting all participants must be in same payment platform Middle registration, and paying party must be the contact person of beneficiary social software, and model is applied this strongly limits AA money transfer transactions Enclose and application prospect, for example, in the low area in the low area of social software popularity rate or intelligent terminal popularity rate, AA transfers accounts friendship Easy use is extremely restricted.Pay application in addition, paying party also be present and open and click on LINK when being paid the bill, due to corresponding The reason such as account balance deficiency the problem of leading to not payment.

The content of the invention

The embodiment of the present invention provides a kind of method of payment and device, to improve the application of AA money transfer transactions, improves and hands over Easy success rate so that the process simple and fast being traded using Dutch treatment mode.

Concrete technical scheme provided in an embodiment of the present invention is as follows：

In a first aspect, the embodiment of the present invention provides a kind of method of payment, including：

First terminal receives user includes payment total number of persons, payment total amount by what USSD menus or STK menus inputted With the algebraic mean AA Receiving informations of at least one Send only Account；

The first terminal is based on AA Receiving informations generation AA gathering requests, and the AA gatherings request includes payment Total number of persons, payment total amount, at least one Send only Account and collecting account；

The first terminal sends the AA gatherings request to payment system.

So, when terminal initiates AA payments, limiting terminal must not supported and be provided with the branch with AA payment functions Application software is paid, expands the application of AA payments, avoids user from can not initiating lacking for AA payments using unintelligent terminal Fall into.

In a kind of possible implementation, the first terminal sends the AA gatherings request to the payment system Afterwards, methods described also includes：

The first terminal receives the response message for AA gathering requests that the payment system is sent.

Second aspect, there is provided a kind of method of payment, including：

Payment system receives the AA gathering requests that first terminal is sent, AA gathering request include payment total number of persons, Payment total amount, at least one Send only Account and collecting account；

The payment system is collected money based on the AA after passing through to the authentication of the collecting account and asks to determine each The AA of Send only Account pays request, determines the type of each Send only Account, the type based on each Send only Account, to each AA corresponding to individual Send only Account transmission pays request, and to perform AA payments, the AA, which is paid, to be asked to include payment instruction code, institute State the corresponding relation that instruction payment code is used to describe payment, collecting account and Send only Account.

So, when payment system receives AA payment requests, by parsing the type of each Send only Account in AA payment requests, AA is sent for different Send only Accounts using checkout terminal corresponding to the different mode to corresponding Send only Account of selection to pay Request, and associated Send only Account and collecting account by payment instruction code, that guarantees payment is safe and reliable, does not limit Send only Account is necessary for the registration application of payment system, improves the application that AA is paid, and lifting AA pays success rate.

In a kind of possible implementation, the payment system determines the type of each Send only Account, including：

The payment system detects whether the Send only Account is the registered user of the payment system, whether is the branch First pays the registered user applied corresponding to the system of paying；

The payment system is the registered user of the payment system in the Send only Account and is not the payment system During the registered user of corresponding first payment application, the type for determining the Send only Account is system type account；

The payment system is that the registered user of the payment system and the payment system correspond in the Send only Account First pay application registered user when, the type for determining the Send only Account is application type account；

The payment system determines the payment account when the Send only Account is not the registered user of the payment system The type at family is non-system type account；

In a kind of possible implementation, type of the payment system based on the Send only Account, to the payment Account sends AA and pays request, including：

The payment system pays request push when the type of the Send only Account is application type account, by the AA To the first payment application corresponding to the Send only Account；

The payment system is when the type of the Send only Account is system type account or nonsystematic class T-account, by institute State AA and pay request transmission to second terminal corresponding to the Send only Account.

In a kind of possible implementation, the payment system receives the AA gathering requests of first terminal transmission Afterwards, methods described also includes：

The payment system sends the response message for AA gathering requests to the first terminal.

The third aspect, there is provided a kind of method of payment, including：

Second terminal obtains the AA that payment system is sent and pays request, and the payment request includes payment instruction code, institute State the corresponding relation that instruction payment code is used to describe payment, collecting account and Send only Account；

Type of the second terminal based on the Send only Account, the ability to pay of the Send only Account complete the instruction AA corresponding to payment code is paid.

So, for terminal when receiving AA payment requests, type and ability to pay based on itself Send only Account complete AA Pay, the different AA means of payment corresponding to different Account Types, improve success rate and efficiency that AA is paid, while avoid because of branch Pay scarce capacity and the problem of AA is paid can not be completed,

In a kind of possible implementation, the type of the Send only Account includes application type account, system type account Family and nonsystematic class T-account, wherein, the account that application type account characterizes is the registered user of the payment system and described First pays the registered user applied corresponding to payment system, and the account that nonsystematic type account characterizes is not the payment system Registered user, the account that the system type account characterizes is the registered user of the payment system, and is not the payment First pays the registered user applied corresponding to system.

In a kind of possible implementation, type of the second terminal based on the Send only Account, the payment account The ability to pay at family completes AA payments corresponding to the instruction payment code, including：

When the type of the Send only Account is application type account, if the ability to pay of the Send only Account is not less than institute Payment is stated, the second terminal is paid using the Send only Account by first in the second terminal Remaining sum complete it is described instruction payment code corresponding to AA pay；

When the type of the Send only Account is application type account, if the ability to pay of the Send only Account is less than described Payment, the second terminal by the AA payment request be sent to purpose Send only Account corresponding to third terminal, pass through institute State third terminal and complete AA payments corresponding to the instruction payment code, the type of the purpose account is system type account or should With class T-account；

When the type of the Send only Account is system type account, if the ability to pay of the Send only Account is not less than institute Payment is stated, the second terminal completes the finger by USSD menus or STK menus using the remaining sum of the Send only Account AA corresponding to payment code is made to pay；

When the type of the Send only Account is non-system type account, the second terminal pays the AA in request Payment instruction code be sent to third terminal corresponding to purpose Send only Account, pass through the third terminal complete it is described instruction pay AA is paid corresponding to code.

Fourth aspect, there is provided a kind of terminal, the terminal have the function for first terminal behavior in the above method of realizing.It is described Function can be realized by hardware, and corresponding software can also be performed by hardware and is realized.

In a kind of optional implementation, the structure of the terminal includes input block, processor, external interface and deposited Reservoir, wherein：

Input block, include payment total number of persons, payment always by what USSD menus or STK menus inputted for receiving user The algebraic mean AA Receiving informations of the amount of money and at least one Send only Account；

Processor, for including payment based on AA Receiving informations generation AA gathering requests, the AA gatherings request Total number of persons, payment total amount, at least one Send only Account and collecting account；

External interface, for sending the AA gatherings request to payment system.

Terminal can also include memory, and the memory is used to couple with processor, and it preserves the necessary program of terminal Instruction and data.

In a kind of possible implementation, the external interface sends the AA gatherings request to the payment system Afterwards, it is additionally operable to：

Receive the response message for AA gathering requests that the payment system is sent.

5th aspect, there is provided a kind of payment mechanism, the payment mechanism, which has, realizes payment system behavior in the above method Function.The function can be realized by hardware, and corresponding software can also be performed by hardware and is realized.

In a kind of optional implementation, the structure of the payment mechanism includes receiving unit, processing unit and storage Unit, wherein：

Receiving unit, the AA for receiving first terminal transmission, which collects money, to be asked, and it is total that the AA gatherings request includes payment Number, payment total amount, at least one Send only Account and collecting account；

Processing unit, for after passing through to the authentication of the collecting account, being collected money based on the AA and asking determination each The AA of individual Send only Account pays request, determines the type of each Send only Account, the type based on each Send only Account, to every AA corresponding to one Send only Account transmission pays request, and to perform AA payments, the AA, which is paid, to be asked to include payment instruction code, The instruction payment code is used for the corresponding relation for describing payment, collecting account and Send only Account.

Payment mechanism can also include memory cell, and the memory cell is used to couple with processing unit, and it, which is preserved, pays The necessary programmed instruction of device and data.

In a kind of possible implementation, the processing unit is specifically used for：

Detect whether the Send only Account is the registered user of the payment system, whether is corresponding to the payment system First pays the registered user of application；

It is the registered user of the payment system in the Send only Account and is not first corresponding to the payment system When paying the registered user of application, the type for determining the Send only Account is system type account；

The Send only Account be the payment system registered user and the payment system corresponding to first pay should During registered user, the type for determining the Send only Account is application type account；

When the Send only Account is not the registered user of the payment system, the type right and wrong of the Send only Account are determined System type account；

In a kind of possible implementation, the processing unit is in the type based on the Send only Account, to described pair When money account sends AA payment requests, it is specifically used for：

When the type of the Send only Account is application type account, AA payment requests are pushed to the payment account First pays application corresponding to family；

When the type of the Send only Account is system type account or nonsystematic class T-account, the AA is paid and asked Send to second terminal corresponding to the Send only Account.

In a kind of possible implementation, the payment mechanism also includes transmitting element, is used for：

After the receiving unit receives the AA gathering requests of first terminal transmission, pin is sent to the first terminal To the response message of AA gathering requests.

6th aspect, there is provided a kind of terminal, the terminal have the function for second terminal behavior in the above method of realizing.It is described Function can be realized by hardware, and corresponding software can also be performed by hardware and is realized.

In a kind of optional implementation, the structure of the terminal includes external interface, processor and memory, its In：

External interface, the AA for obtaining payment system transmission pay request, and described pay asks to include payment instruction Code, the instruction payment code are used for the corresponding relation for describing payment, collecting account and Send only Account；

Processor, the instruction is completed for the type based on the Send only Account, the ability to pay of the Send only Account AA corresponding to payment code is paid.

In a kind of possible implementation, the processor is in the type based on the Send only Account, the payment account When the ability to pay at family completes AA payments corresponding to the instruction payment code, it is specifically used for：

7th aspect, the application provides a kind of computer-readable storage medium, for saving as above-mentioned first aspect, second party The computer software instructions used in first terminal described in face, the third aspect, it, which is included, is used to perform designed by above-mentioned aspect Program.

Eighth aspect, the application provides a kind of computer-readable storage medium, for saving as above-mentioned first aspect, second party Face, the third aspect second opposite end used in computer software instructions, its include be used for perform designed by above-mentioned aspect Program.

9th aspect, the application provides a kind of computer-readable storage medium, for saving as above-mentioned first aspect, second party Face, the third aspect the payment system used in computer software instructions, its include be used for perform designed by above-mentioned aspect Program.

AA payment schemes provided by the invention, the first terminal with gathering functions receive the AA gathering letters that user inputs Breath, generation AA gathering requests are sent to payment system, and payment system obtains the type of each Send only Account, based on Send only Account Type send AA to different Send only Account and pay request, there is the second function of payment function to receive AA and pay request, AA corresponding to the ability to pay completion of type and the Send only Account based on Send only Account is paid, and so, is carrying out AA payments When, terminal capability is not limited, expand the application of AA payments, while avoided Send only Account Sorry, your ticket has not enough value and can not pay Situation, improve AA pay success rate.

Brief description of the drawings

Fig. 1 is terminal structure schematic diagram；

Fig. 2 is the schematic diagram of the method for payment of AA provided in an embodiment of the present invention transaction；

Fig. 3 is the schematic diagram for the method for payment that the AA provided according to a kind of possible embodiment of the present invention merchandises；

Fig. 4 is the schematic diagram for the method for payment that the AA of another possible embodiment offer according to the present invention merchandises；

Fig. 5 is the schematic diagram for the method for payment that the AA of another possible embodiment offer according to the present invention merchandises；

Fig. 6 is the schematic diagram for the method for payment that the AA of another possible embodiment offer according to the present invention merchandises；

Fig. 7 A and Fig. 7 B are the structural representation of the payment mechanism provided in an embodiment of the present invention with AA trading processing functions Figure；

Fig. 8 is the structural representation of the payment devices provided in an embodiment of the present invention with AA trading processing functions.

Embodiment

Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete Site preparation describes, it is clear that described embodiment is only part of the embodiment of the present invention, is not whole embodiments.It is based on Embodiment in the present invention, those of ordinary skill in the art are obtained every other under the premise of creative work is not made Embodiment, belong to the scope of protection of the invention.

The embodiment of the present invention provides a kind of method of payment and device, to improve the application of AA money transfer transactions, improves and hands over Easy success rate so that the process simple and fast being traded using Dutch treatment mode.Wherein, method and apparatus are to be based on same hair Bright design, because the principle of method and device solution problem is similar, therefore the implementation of apparatus and method can be with cross-reference, weight Multiple part repeats no more.

Below, to cause the application to be easier to understand, some common descriptions to being related in present embodiments Explain, it is necessary to illustrate, these explanations should not be considered as to this application claims protection domain restriction.

First, terminal

In embodiments herein, terminal, it can be the equipment for providing a user voice and/or data connectivity, have The portable equipment of wireless connecting function or other processing equipments for being connected to radio modem, such as：Mobile phone (or being " honeycomb " phone), can be portable, pocket, hand-held, wearable device (such as intelligent watch, Intelligent bracelet Deng), tablet personal computer, PC (PC, Personal Computer), PDA (Personal Digital Assistant, it is individual Personal digital assistant), POS (Point of Sales, point-of-sale terminal), vehicle-mounted computer etc..

Fig. 1 shows a kind of optional hardware architecture diagram of terminal 100.

With reference to shown in figure 1, terminal 100 includes：The terminal 100 can include input block 130, display unit 140, again Power acceleration transducer 151, close to optical sensor 152, ambient light sensor 153, memory 120, processor 190, radio frequency list Member 110, voicefrequency circuit 160, loudspeaker 161, microphone 162, WiFi (wireless fidelity, Wireless Fidelity) module 170th, the part such as bluetooth module 180, power supply 193, external interface 197.

It will be understood by those skilled in the art that Fig. 1 is only the citing of portable multi-function device, do not form to portable The restriction of formula multi-function device, it can include than illustrating more or less parts, either combine some parts or different Part.

The input block 130 can be used for receive input numeral or character information, and produce with it is described portable more The key signals input that the user of functional device is set and function control is relevant.Specifically, input block 130 may include touch-screen 131 and other input equipments 132.The touch-screen 131 collects touch operation (such as user of the user on or near it Use operation of any suitable object such as finger, joint, stylus on the touchscreen or near touch-screen), and according to advance The corresponding attachment means of driven by program of setting.Touch-screen can detect touch action of the user to touch-screen, by the touch Action is converted to touch signal and is sent to the processor 190, and can receive the order that the processor 190 is sent and be held OK；The touch signal comprises at least contact coordinate information.The touch-screen 131 can provide the terminal 100 and user it Between inputting interface and output interface.Furthermore, it is possible to using multiple types such as resistance-type, condenser type, infrared ray and surface acoustic waves Type realizes touch-screen.Except touch-screen 131, input block 130 can also include other input equipments.Specifically, other are inputted Equipment 132 can include but is not limited to physical keyboard, function key (such as volume control button 132, switch key 133 etc.), rail One or more in mark ball, mouse, action bars etc..

The display unit 140 can be used for display by the information of user's input or be supplied to the information and terminal of user 100 various menus.Further, touch-screen 131 can cover display panel 141, when touch-screen 131 is detected thereon or attached After near touch operation, processor 190 is sent to determine the type of touch event, is followed by subsequent processing device 190 according to touch event Type corresponding visual output is provided on display panel 141.In the present embodiment, touch-screen can integrate with display unit The input, output, display function of terminal 100 are realized for a part；For ease of description, the embodiment of the present invention is with touch-screen generation The function set of table touch-screen and display unit；In certain embodiments, touch-screen can also be used as two solely with display unit Vertical part.

The gravity accelerometer 151 can detect in all directions the size of (generally three axles) acceleration, meanwhile, The gravity accelerometer 151 can be additionally used in detection terminal it is static when gravity size and direction, available for identifying mobile phone The application (such as horizontal/vertical screen switching, dependent game, magnetometer pose calibrating) of posture, Vibration identification correlation function (such as meter step Device, percussion) etc.；In embodiments of the present invention, the gravity accelerometer 151 is used for the touch action contact for obtaining user Acceleration of gravity of the touch-screen in z-axis direction.

Terminal 100 can also include it is one or more close to optical sensor 152, for when the terminal 100 away from user compared with (such as when user makes a phone call close to ear) closes and disables touch-screen to avoid user from grasping the mistake of touch-screen when near Make；Terminal 100 can also include one or more ambient light sensors 153, for when terminal 100 be located in user's pocket or its During his dark area keep touch-screen close, with prevent terminal 100 consumed in lock-out state unnecessary battery power consumption or by Maloperation, in certain embodiments, it can be integrated in a part, can also make close to optical sensor and ambient light sensor For two independent parts.Gyroscope, barometer, hygrometer, thermometer, infrared ray sensor are can also configure as terminal 100 Etc. other sensors, will not be repeated here.Although Fig. 3 is shown close to optical sensor and ambient light sensor, can manage Solution, it is simultaneously not belonging to must be configured into for terminal 100, completely can be as needed in the essential scope for not changing invention And omit.

The memory 120 can be used for store instruction and data, and memory 120 can mainly include store instruction area and storage Data field, storage data field can store joint touch gestures and the incidence relation of function of application；Store instruction area can store Instruction needed for operating system, at least one function etc.；The instruction can make processor 190 perform following methods, specific method Including：Obtain the AA that payment system is sent and pay request, the payment request includes payment instruction code, the instruction payment code For describing payment, collecting account and the corresponding relation of Send only Account；Based on the type, described using the Send only Account The ability to pay of Send only Account completes AA payments corresponding to the instruction payment code.

Processor 190 is the control centre of terminal 100, utilizes various interfaces and each portion of connection whole mobile phone Point, by running or performing the instruction being stored in memory 120 and calling is stored in data in memory 120, perform The various functions and processing data of terminal 100, so as to carry out integral monitoring to mobile phone.Optionally, processor 190 may include one Or multiple processing units；Preferably, processor 190 can integrate application processor and modem processor, wherein, using processing Device mainly handles operating system, user interface and application program etc., and modem processor mainly handles radio communication.It can manage Solution, above-mentioned modem processor can not also be integrated into processor 190.In certain embodiments, processor, storage Device, it can be realized on one chip, in certain embodiments, they can also realize respectively on independent chip.At this In inventive embodiments, processor 190 is additionally operable to call the instruction in memory to realize that AA is paid.

The radio frequency unit 110 can be used for receive and send messages or communication process in signal reception and transmission, especially, by base After the downlink information stood receives, handled to processor 190；In addition, it is sent to base station by up data are designed.Generally, RF electricity Road includes but is not limited to antenna, at least one amplifier, transceiver, coupler, low-noise amplifier (Low Noise Amplifier, LNA), duplexer etc..In addition, radio frequency unit 110 can also by radio communication and the network equipment and other set Standby communication.The radio communication can use any communication standard or agreement, including but not limited to global system for mobile communications (Global System of Mobile communication, GSM), general packet radio service (General Packet Radio Service, GPRS), CDMA (Code Division Multiple Access, CDMA), WCDMA (Wideband Code Division Multiple Access, WCDMA), Long Term Evolution (Long Term Evolution, LTE), Email, Short Message Service (Short Messaging Service, SMS) etc..

Voicefrequency circuit 160, loudspeaker 161, microphone 162 can provide the COBBAIF between user and terminal 100.Audio Electric signal after the voice data received conversion can be transferred to loudspeaker 161, sound is converted to by loudspeaker 161 by circuit 160 Sound signal exports；On the other hand, the voice signal of collection is converted to electric signal by microphone 162, after being received by voicefrequency circuit 160 Voice data is converted to, then after voice data output processor 190 is handled, it is such as another to be sent to through radio frequency unit 110 Terminal, or voice data is exported to memory 120 further to handle, voicefrequency circuit can also include earphone jack 163, for providing the connecting interface between voicefrequency circuit and earphone.

WiFi belongs to short range wireless transmission technology, and terminal 100 can help user's transceiver electronicses by WiFi module 170 Mail, browse webpage and access streaming video etc., it has provided the user wireless broadband internet and accessed.Although Fig. 1 is shown WiFi module 170, but it is understood that, it is simultaneously not belonging to must be configured into for terminal 100, can exist as needed completely Do not change in the essential scope of invention and omit.

Bluetooth is a kind of short-distance wireless communication technology.Using Bluetooth technology, it can effectively simplify palm PC, notes Communication between the mobile communication terminal device such as this computer and mobile phone, it also can successfully simplify the above equipment and internet (Internet) communication between, terminal 100 become the data transfer between terminal 100 and internet by bluetooth module 180 Must be more rapid efficient, it is radio communication widening road.Bluetooth technology is that by the opening that voice-and-data is wirelessly transferred Property scheme.Right Fig. 3 shows WiFi module 170, but it is understood that, it is simultaneously not belonging to must be configured into for terminal 100, complete It can be omitted as needed in the essential scope for do not change invention entirely.

Terminal 100 also includes the power supply 193 (such as battery) to all parts power supply, it is preferred that power supply can pass through electricity Management system 194 and processor 190 are logically contiguous, so as to by power-supply management system 194 realize management charging, electric discharge, with And the function such as power managed.

Terminal 100 also includes external interface 197, and the external interface can be the Micro USB interfaces of standard, can also Make multi-pin connector, can be used for connection terminal 100 and communicated with other devices, can be used for connecting charger is terminal 100 chargings.

Although being not shown, terminal 100 can also include camera, flash lamp etc., will not be repeated here.

First terminal, second terminal can be terminal 100 as shown in Figure 1 in embodiments of the present invention,

2nd, application is paid

Using the application program for referring to being arranged in terminal, pay application and refer to being able to carry out in terminal The application program of financial transaction.Terminal is traded before processing, it is necessary to confirm to have installed phase in terminal using application is paid Associated bank card information is tied to the payment by the application program for the payment application answered, the application program that terminal access pays application In, in binding procedure of the application with bank card information is paid, terminal receives the associated bank account information of user's input, To ensure safety, the terminal can be interacted to realize the checking to account information with the financial server of bank, such as passed through Short message verification code mode is verified etc..Terminal applies the payment is docked with Unionpay relevant interface, is done shopping when mobile When, directly carry out delivery operation in the payment application that the financial server can be installed from terminal.

3rd, payment system, mobile-payment system

Payment system (Payment System) is that the intermediary of clearance service is paid by providing and realizes payment instruction The professional technique means of transmission and fund clearing collectively constitute, to realize that credit and debt is paid off and one kind of fund transfer is financial Arrange, otherwise referred to as system for settling account (Clear System).

Mobile payment (mobile money, MM) system is the mobile-payment system that mobile operator is dominated, this kind of payment System is non-structural supplementary data (Unstructured Supplementary Service for the main channel that client uses Data, USSD) and STK (SIM Tool Kit, STK), it is mainly characterized by client by using hand USSD functions and STK menus on machine operate payment transaction.And general common payment system, such as Paypal, Alipay, micro- Letter payment etc., then it is to rely on and pays application (APP) to carry out operating payment transaction, if not supporting APP softwares on mobile phone Or APP is not installed, client cannot use the various payment services of its offer.

Four .USSD, STK

USSD business, it is a kind of new interactive-data traffic based on GSM network, when client is inputted using cell phone keyboard Some networks pre-established numeral or symbol such as * # etc., then press transmission (send) key i.e. dial key can to Network sends an instruction, and the network service that you need according to your instruction selection is supplied to client.

STK is the application menu developed in the high-capacity SIM card that GSM mobile handset uses.STK can be understood as one group of exploitation The order of value-added service, a kind of small-sized programming language, it allows the user identification module (SIM card) based on smart card to transport The row application software of oneself.Such as Global Link menu function preset in China Mobile's Mobile phone card.

Fig. 2 is the schematic diagram of the method for payment provided according to a kind of possible embodiment of the present invention.As shown in figure 1, the One terminal 10 receives the AA Receiving informations of user's input, is asked based on AA Receiving informations generation AA gatherings to payment system 30 AA gathering requests are initiated, payment system 30 is collected money based on AA asks the payment request for determining Send only Account, sends to Send only Account Corresponding second terminal 20, type of the second terminal 20 based on Send only Account, the ability to pay of the Send only Account are to payment System 30 sends the request of AA payment affirmations, is paid with performing corresponding AA in the AA payments request.

In a kind of possible embodiment, " AA is presented to user by USSD menus or STK menus in first terminal 10 The menu option of gathering ", when first terminal 10 detects that the menu of " AA gatherings " is clicked, it is desirable to which it is total that user's input includes payment The AA Receiving informations of number, payment total amount and at least one Send only Account, optionally, the AA Receiving informations can also include The information such as Activity Type, activity name, the activity term of validity.In this embodiment, user can pass through the input of first terminal Unit directly inputs Send only Account.

In a kind of possible embodiment, first terminal 10 pays APP by first on first terminal 10, The menu option of " AA gatherings " is presented to user, when first terminal 10 detects that the menu of " AA gatherings " is clicked, it is desirable to user Input includes the AA Receiving informations of payment total number of persons, payment total amount and at least one Send only Account, optionally, the AA gatherings Information can also include the information such as Activity Type, activity name, the activity term of validity.Optionally, in this embodiment, Yong Huke To directly input Send only Account by the first APP, the contact person in the APP softwares can also be opened by the first payment APP, from Send only Account is chosen in contact person in APP softwares, the address list of first terminal can also be opened by the first payment APP, from Send only Account is chosen in the address list.

In a kind of possible embodiment, Send only Account can be payment user profile corresponding to the AA money transfer transactions, The login account name of APP clients or the information of the login account for identifying payment APP clients are such as paid (as paid The server of APP clients is pays the mark of APP clients distribution), cell-phone number, email address, bank card number, trust it is hard Alias after part identiflication number (information for such as identifying terminal hardware) or encryption, such as one or many numbers used Word token, it can also be that user selects transfer accounts function (such as Quick Response Code or bar code mode, or sound wave in APP clients are paid Mode etc.) after the Transaction Information that is generated on local or server (as being used in the Quick Response Code or bar code collecting money or pay the bill wrapping Information included in the information contained, or the sound wave for collecting money or paying the bill etc.).Encryption can be locally or on the server Carry out, as long as server corresponding to mode of doing business can identify information corresponding to account.

In a kind of possible embodiment, first terminal 10 please based on the AA Receiving informations generation AA gatherings that user inputs Ask, the AA gatherings request includes pay the bill total number of persons, payment total amount, at least one Send only Account and collecting account.

Wherein, the collecting account is the default accounts information for being used to collect money of the first terminal, on first terminal First payment APP clients login account name or for identify this first pay APP clients login account information (such as First server for paying APP clients is the first mark for paying the distribution of APP clients), cell-phone number, email address, bank Card card number, trust hardware identification numbering (information for such as identifying terminal hardware).

In a kind of possible embodiment, after the payment system 30 receives AA gathering requests, collecting account is determined, After passing through to the authentication of the collecting account, collected money based on the AA and ask to determine that the AA payments of each Send only Account please Ask, determine the type of each Send only Account, the type based on each Send only Account, sent to each Send only Account corresponding AA pay request, to perform AA payments, the AA, which pays request, includes payment instruction code (Voucher), the instruction Pay the corresponding relation that code is used to describe payment, collecting account and Send only Account.

It should be noted that the payment instruction code is when payment system receives AA gathering requests, please for this AA gatherings Ask what involved each Send only Account was generated.So the payment instruction code represents a kind of corresponding relation, i.e.,：Gathering account Corresponding relation between family, Send only Account and payment, business are meant that Send only Account should pay how many gold to collecting account Volume, so payment verification code, it is determined that whom this pays to the money money, and payment is how many.Residual account is being carried out During payment, it is only necessary to input the payment instruction code, payment, PIN can complete to input, it is not necessary to input beneficiary information again .And payment system also can check gold when receiving the AA payment affirmations request of paying party account transmission according to the payment instruction code Whether volume is correct, whether verification payment instruction code has been paid for.

In a kind of possible embodiment, payment system 30 is after each Send only Account generates payment instruction code, to the One terminal sends AA transaction and initiates successful feedback information.

In a kind of possible embodiment, payment system 30 is after each Send only Account generates payment instruction code, to be based on The type of each Send only Account, it is determined that AA corresponding to each Send only Account pays the sending method of request.

Specifically, the payment system 30 detect the Send only Account whether be the payment system 30 registered user, Whether it is the first registered user for paying application corresponding to the payment system 30.

The payment system 30 is the registered user of the payment system 30 in the Send only Account and is not the payment Corresponding to system 30 during the registered user of the first payment application, the type for determining the Send only Account is system type account.

The payment system 30 is the registered user of the payment system 30 and the payment system in the Send only Account Corresponding to 30 during the registered user of the first payment application, the type for determining the Send only Account is application type account.

The payment system 30 is not when the Send only Account is the registered user of the payment system 30, it is determined that described pair The type of money account is non-system type account.

The payment system 30 pushes away AA payment requests when the type of the Send only Account is application type account Be sent to corresponding to the Send only Account first and pay application, can with, can will pay request with Quick Response Code or barcode format The first payment application is pushed to, optionally, the AA can also be paid request and pass through short message or multimedia message by the payment system 30 Mode is sent to second terminal 20 corresponding to the Send only Account.

The payment system 30, will when the type of the Send only Account is system type account or nonsystematic class T-account The AA pays request and sent by short message or multimedia message mode to second terminal 20 corresponding to the Send only Account.

In a kind of possible embodiment, second terminal 20 receives AA and pays request, and described pay asks to include paying Instruction code, the instruction payment code are used for the corresponding relation for describing payment, collecting account and Send only Account；Described second eventually 20 types based on the Send only Account, the ability to pay of the Send only Account are held to complete AA branch corresponding to the instruction payment code Pay.

Specifically, when the type of the Send only Account is application type account, if the ability to pay of the Send only Account Not less than the payment, the second terminal is paid using described by first in the second terminal The remaining sum of Send only Account completes AA payments corresponding to the instruction payment code；

When the type of the Send only Account is application type account, if the ability to pay of the Send only Account is less than described Payment, the second terminal 20 by the AA payment request be sent to purpose Send only Account corresponding to third terminal, pass through The third terminal complete the instruction payment code corresponding to AA pay, the type of the purpose account be system type account or Application type account；

When the type of the Send only Account is system type account, if the ability to pay of the Send only Account is not less than institute Payment is stated, the second terminal 20 is used described in the remaining sum completion of the Send only Account by USSD menus or STK menus AA corresponding to payment code is instructed to pay；

When the type of the Send only Account is non-system type account, the AA is paid and asked by the second terminal 20 In payment instruction code be sent to third terminal corresponding to purpose Send only Account, pass through the third terminal complete it is described instruction branch AA corresponding to code is paid to pay.

It should be noted that in this embodiment, the second terminal 20 can pass through short message mode or NFC modes Or the AA is paid by the payment instruction code that carries in request by wireless network and sent to the corresponding to purpose Send only Account the 3rd Terminal, third terminal are paid based on AA corresponding to the payment instruction code completion received.

It is noted that the above-mentioned AA transaction between first terminal 10 and second terminal 20 can be between personal user Money transfer transactions, or can be consumer sale between consumer and trade company etc..Shopping between consumer and trade company is handed over Under easy scene, the first terminal 10 for representing beneficiary disappears when can be smart mobile phone, non-smart mobile phone or online shopping Expense person browses the terminal such as PC PC or tablet personal computer used in merchant website.The second terminal 20 for representing paying party can be with It is the terminals such as smart mobile phone, non-smart mobile phone, PC or tablet personal computer.

Consumed jointly for multiple cellphone subscribers and the payment process of AA payments is completed to corresponding trade company, below by figure 3 illustrate：

Step 31：Trade company opens the USSD menus or STK menus in cash receiving terminal, and " AA is presented to user in cash receiving terminal Gathering " menu, it is desirable to which user inputs AA Receiving informations, specifically includes：Activity Type, activity name, the activity term of validity, total people Count, total amount, input the cell-phone number of each paying party.Or if it is smart mobile phone that trade company, which uses cash receiving terminal, trade company The payment software on smart mobile phone can be directly opened, such as first pays APP, into " AA gatherings menu "；Meanwhile by this One, which pays APP, selects the mode of paying party also more various：It can also pass through first by way of directly inputting cell-phone number Pay APP and open cell phone address book, paying party is chosen from cell phone address book, the address list in APP can also be paid from first Paying party is chosen in good friend.

Step 32：After cash receiving terminal receives the AA Receiving informations of trade company's submission, generation AA gathering requests, and pass through operation Business's network is sent to payment system, AA gathering requests include paying the bill total number of persons, total amount of paying the bill, at least one Send only Account and Collecting account.

Step 33：After payment system receives AA gathering requests, checking AA gathering requests, specifically, verification collecting account Validity, verification collecting account whether payment system register.

Step 34：After payment system determines that collecting account is registered in payment system by verification, according to payment instruction code Composition rule and create-rule, for each Send only Account generate 1 payment instruction code；Establishing payment instruction code please with AA gatherings Ask, the incidence relation of collecting account, Send only Account, for being verified during residual.

Step 35：Payment system sends AA transaction and initiates successful SMS notification to cash receiving terminal.

Step 36：Payment system is directed to each Send only Account, and the AA of payment instruction code is included for the generation of each Send only Account Request is paid, and is sent to corresponding Send only Account,

Specifically, payment system is directed to each Send only Account, judge whether Send only Account is to have been registered in payment system APP user (i.e. Send only Account exists in payment system and customer status is normal, is not to freeze or cancellation state, and And the attribute field value of " whether APP user " is Y in client properties), if it is, text of the payment system payment instruction code Originally Quick Response Code is generated as, the Quick Response Code of the AA relevant informations paid and payment instruction code is pushed into Send only Account first pays On APP；If it is not, then payment system directly by way of short message by AA pay relevant information and payment instruction code text It is sent to the checkout terminal that paying party uses.The related information content that AA is paid needs to include：Activity name, on the movable date, receive The cell-phone number of money account, payment, these information are used for deciding whether to carry out AA payments to paying party.

Step 37：After checkout terminal receives AA payment requests, the type of Send only Account, payment account in being asked based on payment The ability to pay at family completes the AA and pays AA payments corresponding to request.

Optionally, checkout terminal can use in the following manner to complete AA and pay AA payments corresponding to request.

In the first possible embodiment, checkout terminal is used from the account balance (E- in payment system Money AA payments) are carried out.

Optionally, if checkout terminal is non-smart mobile phone, now function machine user passes through the USSD/STK modes on mobile phone Open " AA payments menu " and carry out AA payments.

Optionally, if checkout terminal is smart mobile phone, now intelligent machine user passes through corresponding to the payment system on mobile phone Payment software is that the first payment APP carries out AA payments to operate, and optionally, intelligent machine user can also use USSD/STK modes Open " AA payments menu " and carry out AA payments.

In second of possible embodiment, checkout terminal carries out AA payments (i.e. by third party on behalf of entering by OTC modes Row AA pays the bill)

Optionally, AA can be carried out using second of this mode for the user not registered in the platform of payment system to pay Money.Optionally, for be payment system platform user, but Sorry, your ticket has not enough value, can also carry out AA in this way and pay Money

The embodiment of AA payments is carried out by using E-Money for checkout terminal in the first above-mentioned embodiment, Specific implementation process is as shown in figure 4, comprise the following steps：

Step 41：" AA payments " is presented to user by USSD menus or STK menus in checkout terminal, menu, receives and uses The payment request key element of family input：Payment instruction code, dealing money, PIN code, confirm the information of input and submit AA payment affirmations Request, the payment affirmation request include payment instruction code.Optionally, if checkout terminal is intelligent terminal, such as smart mobile phone, Then user can directly open the first payment APP on intelligent terminal, into " AA gatherings " menu, the acquisition for payment instruction code Mode is also more various：The text of payment instruction code can be directly inputted, payment instruction can also be obtained by identifying Quick Response Code Code.

Step 42：Checkout terminal asks AA payment affirmations to be sent to payment system by carrier network.

Step 43：After the backstage of payment system receives the request of AA payment affirmations, paid the bill in verification AA payment affirmation requests Whether the validity of account, verification register in payment system, and whether remaining sum is enough, and carry out the verification of other business and technology school Test.Whether the inputted Voucher of verification meets the coding rule and composition rule of system；Whether verification Voucher is paying Exist in system；Verify its with AA activities, the incidence relation of collecting account, Send only Account, for being verified during residual.

Step 44：Payment system carries out E-Money funds button and drawn, will prop up after passing through to the request verification of AA payment affirmations The fund corresponding to the amount of money of paying is drawn to collecting account from Send only Account button.

Step 45：Payment system sends AA successful payment notifying messages to checkout terminal, and it is short to send AA gatherings acknowledgement notification Believe to cash receiving terminal.

The embodiment of AA payments is carried out by using OTC modes for checkout terminal in above-mentioned second of embodiment, Applied to following several scenes：Checkout terminal did not use payment system or was not the registered user of the payment system, or Person's checkout terminal has been the registered user of the payment system, but E-Money account balance is insufficient.Specific implementation process is as schemed Shown in 5, comprise the following steps：

Step 50：Checkout terminal notice third terminal is completed AA and paid, and the third terminal can be proxy terminal (Agent)。

Step 51：" AA payments " is presented to user by USSD menus or STK menus in third terminal, menu, receives and uses The payment request key element of family input：The MSISDN of checkout terminal, Voucher, payment (Amount) agent PIN.Confirm The information of input simultaneously submits AA payment affirmations to ask, and the payment affirmation request includes payment instruction code and third terminal is corresponding Payment account.(if Agent uses intelligent terminal, such as smart mobile phone, can directly open payment system on intelligent terminal Corresponding payment software is the first payment APP, also more various for Voucher acquisition modes into " AA payments " menu, can To directly input the text of payment instruction code, payment instruction code can also be obtained by identifying Quick Response Code.

Step 52：Third terminal asks AA payment affirmations to be sent to payment system by carrier network

Step 53：After the backstage of payment system receives the request of AA payment affirmations, verification AA payment affirmation requests, specifically , the validity of payment account corresponding to third terminal is verified, verifies and whether is registered in payment system, whether remaining sum is enough, And carry out the verification of other business and technology verification.Whether the inputted Voucher of verification meets the coding rule and composition of system Rule；Whether verification Voucher exists in payment system；Verify itself and AA activities, AA activities, collecting account, Send only Account Incidence relation, for being verified during residual.

Step 54：Payment system carries out E-Money after the AA payment affirmations request verification sent to third terminal passes through Fund button is drawn, and account button corresponding to fund from proxy terminal corresponding to payment is drawn to collecting account.

Step 55：AA successful payment notifying messages are sent to checkout terminal；Send AA and collect money acknowledgement notification short message to gathering Terminal；Transmission withholds notifying messages to proxy terminal i.e. third terminal.

When checkout terminal is carried out in AA course of payment using OTC modes, third-party proxy terminal None- identified Quick Response Code When；When checkout terminal is function machine user, and lost the short message comprising AA payment instruction codes, checkout terminal can be to payment The AA that AA payment instruction codes are reissued in system transmission reissues request, and application reissues AA payment instruction codes by short message.Detailed process is such as Shown in Fig. 6, comprise the following steps that：

Step 61：The menu of " reissuing AA payment instructions code " is presented by USSD or STK modes to user for checkout terminal, or Person pays APP to the menu of user's presentation " reissuing AA payment instructions code " by first.

Step 62：When checkout terminal detects that " reissuing AA payment instructions code " is clicked selection, send and use to payment system Request is reissued in the AA for reissuing AA payment instruction codes, the AA, which reissues request, includes Send only Account.

Step 63：The unpaid Voucher of payment system inquiry Send only Account attribute information, by these Voucher's Attribute information generates unpaid Voucher lists (multiple unpaid AA such as be present and pay request), and the list includes The fields such as Voucher dates of formation, collecting account, payment, but Voucher text messages are not contained, payment system should List returns to cash receiving terminal by short message or is pushed to the first payment APP corresponding to Send only Account.

Step 64：Needed for checkout terminal reception user selects in the unpaid Voucher lists that payment system is beamed back The attribute information for the Voucher to be reissued, transmission purpose AA reissue request and arrive payment system, and purpose AA is reissued to be wrapped in request Include Voucher attribute information.

Step 65：Payment system is received after purpose AA reissues request, it is determined that reissuing the category of Voucher in request with purpose AA Property purpose AA corresponding to information pay request, verification purpose AA pays the validity of request, including：Verify request paying party with Whether PIN matches；Whether the paying party of verification request matches with order number；Corresponding to the order for verifying the paying party of the request Whether voucher states are in non-pay status, if examining all by by AA payment informations and Voucher text message It is issued to by short message on checkout terminal.

Based on above-described embodiment, the embodiment of the present invention additionally provides a kind of terminal with AA transaction payment functions, the end The hardware at end, which is realized, refers to Fig. 1 and its associated description.Wherein：

Input block 130, include payment total number of persons by what USSD menus or STK menus inputted for receiving user, pay The algebraic mean AA Receiving informations of money total amount and at least one Send only Account；

Processor 190, for including paying based on AA Receiving informations generation AA gathering requests, the AA gatherings request Money total number of persons, payment total amount, at least one Send only Account and collecting account；

External interface 197, for sending the AA gatherings request to payment system.

Optionally, after the external interface 197 sends the AA gatherings request to the payment system, it is additionally operable to：

Other optional implementations of the terminal refer to first terminal or cash receiving terminal in flow shown in Fig. 2~Fig. 6 Processing procedure.

Based on above-described embodiment, the embodiment of the present invention additionally provides a kind of device with AA transaction payment functions, the dress The hardware realization for putting 70 refers to Fig. 7 A and its associated description, and described device 70 includes receiving unit 71 and processing unit 72

Receiving unit 71, the AA for receiving first terminal transmission, which collects money, to be asked, and the AA gatherings request includes payment Total number of persons, payment total amount, at least one Send only Account and collecting account；

Processing unit 72, for after passing through to the authentication of the collecting account, request determination to be collected money often based on the AA The AA of one Send only Account pays request, determines the type of each Send only Account, the type based on each Send only Account, to AA corresponding to the transmission of each Send only Account pays request, and to perform AA payments, the AA, which is paid, to be asked to include payment instruction Code, the instruction payment code are used for the corresponding relation for describing payment, collecting account and Send only Account.

Optionally, the processing unit 72 is specifically used for：

Optionally, the processing unit 72 sends AA branch in the type based on the Send only Account to the Send only Account When paying request, it is specifically used for：

Optionally, refering to shown in Fig. 7 B, described device 70 also includes transmitting element 73, is used for：

After the receiving unit 71 receives the AA gathering requests of first terminal transmission, sent to the first terminal For the response message of AA gathering requests.

For convenience of description, above each several part is divided by function describes respectively for each module (or unit).Certainly, exist The function of each module (or unit) can be realized in same or multiple softwares or hardware when implementing of the invention.Specific implementation When, said apparatus 70 can be arranged in the financial server that existing payment system is set.

Other optional implementations of the device 70 refer to the treated of payment system in flow shown in Fig. 2~Fig. 6 Journey.

The above-mentioned device 70 being related to of the embodiment of the present invention can be independent part or be integrated in miscellaneous part In, for example, said apparatus provided in an embodiment of the present invention 70 can be background server in existing payment system or The part being integrated in background server.

In addition, each " unit " can pass through ASIC (application-specific above Integrated circuit, ASIC), the processor and memory of one or more softwares or firmware program are performed, it is integrated to patrol Volume circuit, and/or other can provide the device of above-mentioned function to realize.

Conceived based on identical, as shown in figure 8, the embodiment of the present invention also provides a kind of payment devices, referring to Fig. 8, this sets Standby 800 include：Processor 801, memory 802 and transceiver 803, wherein：

The processor 801, memory 802, transceiver 803 are connected with each other by bus 804.

Transceiver 803 can be wireline transceiver, wireless transceiver or its combination.Wireline transceiver for example can be ether Network interface.Ethernet interface can be optical interface, electrical interface or its combination.Wireless transceiver for example can be that WLAN is received Send out device, cellular network transceiver or its combination.In embodiments of the present invention, transceiver 803 can be used for receiving cash receiving terminal hair The AA gathering requests sent, and pay request for sending AA to checkout terminal.

Optionally, transceiver 803 is additionally operable to after the AA gathering requests of first terminal transmission are received, to described first Terminal sends the response message for AA gathering requests.

Processor 801 can be CPU, general processor, DSP, ASIC, FPGA or other PLDs, crystalline substance Body pipe logical device, hardware component or its any combination.Memory 802 can include volatile memory, such as RAM；Deposit Reservoir 802 can also include nonvolatile memory, such as ROM, flash memory, HDD or SSD；Memory 802 can also wrap Include the combination of the memory of mentioned kind.

Memory 802 can be used for storing the message that the transceiver 803 receives, and the journey that processor 801 performs Sequence.

The processor 801, for calling the program stored in the memory 802, perform：Pass through the transceiver 803 receive the AA gathering requests that first terminals are sent, and AA gathering request includes paying the bill total number of persons, total amount of paying the bill, extremely Few a Send only Account and collecting account；After passing through to the authentication of the collecting account, collected money based on the AA and ask to determine The AA of each Send only Account pays request, determines the type of each Send only Account, the type based on each Send only Account, Request is paid by AA corresponding to the transceiver 803 to each Send only Account transmission, to perform AA payments, the AA is paid Request includes payment instruction code, and the instruction payment code is used for the correspondence for describing payment, collecting account and Send only Account Relation.

Memory 802 can be used for the message and data that storage is received by the transceiver 803, and processor 801 programs performed.

Wherein, in fig. 8, bus 804 can include the bus and bridge of any number of interconnection, specifically by processor 801 The various of memory that the one or more processors and memory 802 of representative represent are electrically connected to together.The bus 804 Can be pci bus or eisa bus etc..The bus can be divided into address bus, data/address bus, controlling bus etc..For ease of Represent, only represented in Fig. 8 with a thick line, it is not intended that an only bus or a type of bus.Bus 804 may be used also So that the various other of such as ancillary equipment, voltage-stablizer and management circuit or the like to be electrically connected to together, these are all It is known in the art, therefore, no longer it is described further herein.

Optionally, the processor 801 is specifically used for：

Optionally, the processor 801 sends AA to the Send only Account and paid in the type based on the Send only Account During request, it is specifically used for：

External interface 197, the AA for obtaining payment system transmission pay request, and the payment request includes payment and referred to Code is made, the instruction payment code is used for the corresponding relation for describing payment, collecting account and Send only Account；

Processor 190, the finger is completed for the type based on the Send only Account, the ability to pay of the Send only Account AA corresponding to payment code is made to pay.

Optionally, the type of the Send only Account includes application type account, system type account and nonsystematic type account Family, wherein, the account that application type account characterizes be the payment system registered user and the payment system corresponding to the One pays the registered user of application, and the account that nonsystematic type account characterizes is not the registered user of the payment system, described The account that system type account characterizes is the registered user of the payment system, and is not first corresponding to the payment system Pay the registered user of application.

Optionally, the processor 190 is complete in the ability to pay of the type based on the Send only Account, the Send only Account When being paid into AA corresponding to the instruction payment code, it is specifically used for：

Other optional implementations of the terminal refer to second terminal or checkout terminal in flow shown in Fig. 2~Fig. 6 Processing procedure.

In summary, in the embodiment of the present invention, the first terminal with gathering functions receives the AA gathering letters that user inputs Breath, generation AA gathering requests are sent to payment system, and payment system obtains the type of each Send only Account, based on Send only Account Type send AA to different Send only Account and pay request, there is the second function of payment function to receive AA and pay request, AA corresponding to the ability to pay completion of type and the Send only Account based on Send only Account is paid, and so, is carrying out AA payments When, terminal capability is not limited, expand the application of AA payments, while avoided Send only Account Sorry, your ticket has not enough value and can not pay Situation, improve AA pay success rate.

It should be understood by those skilled in the art that, embodiments of the invention can be provided as method, system or computer program Product.Therefore, the present invention can use the reality in terms of complete hardware embodiment, complete software embodiment or combination software and hardware Apply the form of example.Moreover, the present invention can use the computer for wherein including computer usable program code in one or more The computer program production that usable storage medium is implemented on (including but is not limited to magnetic disk storage, CD-ROM, optical memory etc.) The form of product.

The present invention is the flow with reference to method according to embodiments of the present invention, equipment (system) and computer program product Figure and/or block diagram describe.It should be understood that can be by every first-class in computer program instructions implementation process figure and/or block diagram Journey and/or the flow in square frame and flow chart and/or block diagram and/or the combination of square frame.These computer programs can be provided The processors of all-purpose computer, special-purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce A raw machine so that produced by the instruction of computer or the computing device of other programmable data processing devices for real The device for the function of being specified in present one flow of flow chart or one square frame of multiple flows and/or block diagram or multiple square frames.

These computer program instructions, which may be alternatively stored in, can guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory, which produces, to be included referring to Make the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one square frame of block diagram or The function of being specified in multiple square frames.

These computer program instructions can be also loaded into computer or other programmable data processing devices so that counted Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented processing, so as in computer or The instruction performed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one The step of function of being specified in individual square frame or multiple square frames.

Although preferred embodiments of the present invention have been described, but those skilled in the art once know basic creation Property concept, then can make other change and modification to these embodiments.So appended claims be intended to be construed to include it is excellent Select embodiment and fall into having altered and changing for the scope of the invention.

Obviously, those skilled in the art can carry out various changes and modification without departing from this hair to the embodiment of the present invention The spirit and scope of bright embodiment.So, if these modifications and variations of the embodiment of the present invention belong to the claims in the present invention And its within the scope of equivalent technologies, then the present invention is also intended to comprising including these changes and modification.

Claims

A kind of 1. method of payment, it is characterised in that including：

First terminal receives user and passes through non-structural supplementary data USSD menus or STK STK menus The algebraic mean AA Receiving informations for including payment total number of persons, payment total amount and at least one Send only Account of input；

The first terminal is based on AA Receiving informations generation AA gathering requests, and the AA gatherings request includes the total people of payment Number, payment total amount, at least one Send only Account and collecting account；

The first terminal sends the AA gatherings request to payment system.
2. the method as described in claim 1, it is characterised in that the first terminal sends the AA to the payment system and received After money request, methods described also includes：

The first terminal receives the response message for AA gathering requests that the payment system is sent.
A kind of 3. method of payment, it is characterised in that including：

Payment system receives the AA gathering requests that first terminal is sent, and the AA gatherings request includes pay the bill total number of persons, payment Total amount, at least one Send only Account and collecting account；

The payment system is collected money based on the AA after passing through to the authentication of the collecting account and asks to determine each payment The AA of account pays request, determines the type of each Send only Account, the type based on each Send only Account, to each pair AA corresponding to the transmission of money account pays request, and to perform AA payments, the AA, which is paid, to be asked to include payment instruction code, the finger Payment code is made to be used for the corresponding relation for describing payment, collecting account and Send only Account.
4. method as claimed in claim 3, it is characterised in that the payment system determines the type of each Send only Account, Including：

The payment system detects whether the Send only Account is the registered user of the payment system, whether is that described pay is First pays the registered user applied corresponding to system；

The payment system is the registered user of the payment system in the Send only Account and is not that the payment system is corresponding First pay application registered user when, the type for determining the Send only Account is system type account；

The payment system the Send only Account be the payment system registered user and the payment system corresponding to During the registered user of one payment application, the type for determining the Send only Account is application type account；

The payment system determines the Send only Account when the Send only Account is not the registered user of the payment system Type is non-system type account.
5. method as claimed in claim 4, it is characterised in that type of the payment system based on the Send only Account, to The Send only Account sends AA and pays request, including：

The payment system is pushed to institute when the type of the Send only Account is application type account, by AA payment requests State the first payment application corresponding to Send only Account；

The payment system is when the type of the Send only Account is system type account or nonsystematic class T-account, by the AA Request is paid to send to second terminal corresponding to the Send only Account.
6. method as claimed in claim 3, it is characterised in that the payment system receives the AA gatherings of first terminal transmission After request, methods described also includes：

The payment system sends the response message for AA gathering requests to the first terminal.
A kind of 7. method of payment, it is characterised in that including：

Second terminal obtains the AA that payment system is sent and pays request, and the payment request includes payment instruction code, the finger Payment code is made to be used for the corresponding relation for describing payment, collecting account and Send only Account；

Type of the second terminal based on the Send only Account, the ability to pay of the Send only Account are completed the instruction and paid AA is paid corresponding to code.
8. method as claimed in claim 7, it is characterised in that the type of the Send only Account includes application type account, is System class T-account and nonsystematic class T-account, wherein, the account that application type account characterizes is that the registration of the payment system is used First pays the registered user applied corresponding to family and the payment system, and the account that nonsystematic type account characterizes is not described The registered user of payment system, the account that the system type account characterizes is the registered user of the payment system, and is not First pays the registered user applied corresponding to the payment system.
9. method as claimed in claim 8, it is characterised in that type of the second terminal based on the Send only Account, institute The ability to pay for stating Send only Account completes AA payments corresponding to the instruction payment code, including：

When the type of the Send only Account is application type account, if the ability to pay of the Send only Account is not less than the branch The amount of money is paid, the second terminal is paid using more than the Send only Account by first in the second terminal Volume completes AA payments corresponding to the instruction payment code；

When the type of the Send only Account is application type account, if the ability to pay of the Send only Account is less than the payment AA payment requests are sent to third terminal corresponding to purpose Send only Account, pass through described the by the amount of money, the second terminal Three terminals complete the instruction payment code corresponding to AA pay, the type of the purpose account is system type account or using class T-account；

When the type of the Send only Account is system type account, if the ability to pay of the Send only Account is not less than the branch The amount of money is paid, the second terminal completes the instruction branch by USSD menus or STK menus using the remaining sum of the Send only Account AA corresponding to code is paid to pay；

When the type of the Send only Account is non-system type account, the second terminal pays the AA branch in request Pay instruction code and be sent to third terminal corresponding to purpose Send only Account, the instruction payment code pair is completed by the third terminal The AA answered is paid.
A kind of 10. terminal, it is characterised in that including：

Input block, pass through non-structural supplementary data USSD menus or STK for receiving user The algebraic mean AA Receiving informations for including payment total number of persons, payment total amount and at least one Send only Account of STK menus input；

Processor, for including the total people of payment based on AA Receiving informations generation AA gathering requests, the AA gatherings request Number, payment total amount, at least one Send only Account and collecting account；

External interface, for sending the AA gatherings request to payment system.
11. terminal as claimed in claim 10, it is characterised in that the external interface sends the AA to the payment system After gathering request, it is additionally operable to：

Receive the response message for AA gathering requests that the payment system is sent.
A kind of 12. payment mechanism, it is characterised in that including：

Receiving unit, the AA for receiving first terminal transmission collect money request, AA gathering request include payment total number of persons, Payment total amount, at least one Send only Account and collecting account；

Processing unit, ask to determine that each is paid for after the authentication of the collecting account is passed through, collecting money based on the AA The AA of money account pays request, determines the type of each Send only Account, the type based on each Send only Account, to each AA corresponding to Send only Account transmission pays request, and to perform AA payments, the AA, which is paid, to be asked to include payment instruction code, described Instruction payment code is used for the corresponding relation for describing payment, collecting account and Send only Account.
13. payment mechanism as claimed in claim 12, it is characterised in that the processing unit is specifically used for：

Detect whether the Send only Account is the registered user of the payment system, whether is first corresponding to the payment system Pay the registered user of application；

The Send only Account be the registered user of the payment system and be not corresponding to the payment system first pay should During registered user, the type for determining the Send only Account is system type account；

The Send only Account be the payment system registered user and the payment system corresponding to first pay application During registered user, the type for determining the Send only Account is application type account；

When the Send only Account is not the registered user of the payment system, the type for determining the Send only Account is nonsystematic Class T-account.
14. payment mechanism as claimed in claim 13, it is characterised in that the processing unit is based on the Send only Account Type, when sending AA payment requests to the Send only Account, it is specifically used for：

When the type of the Send only Account is application type account, AA payment requests are pushed to the Send only Account pair First answered pays application；

When the type of the Send only Account is system type account or nonsystematic class T-account, the AA is paid into request and sent To second terminal corresponding to the Send only Account.
15. payment mechanism as claimed in claim 12, it is characterised in that also including transmitting element, be used for：

After the receiving unit receives the AA gathering requests of first terminal transmission, sent to the first terminal and be directed to institute State the response message of AA gathering requests.
A kind of 16. terminal, it is characterised in that including：

External interface, the AA for obtaining payment system transmission pay request, and described pay asks to include payment instruction code, institute State the corresponding relation that instruction payment code is used to describe payment, collecting account and Send only Account；

Processor, complete the instruction for the type based on the Send only Account, the ability to pay of the Send only Account and pay AA is paid corresponding to code.
17. terminal as claimed in claim 16, it is characterised in that the type of the Send only Account include application type account, System type account and nonsystematic class T-account, wherein, the account that application type account characterizes is the registration of the payment system First registered user for paying application corresponding to user and the payment system, the account that nonsystematic type account characterizes is not institute The registered user of payment system is stated, the account that the system type account characterizes is the registered user of the payment system, and not It is the first registered user for paying application corresponding to the payment system.
18. terminal as claimed in claim 17, it is characterised in that the processor the type based on the Send only Account, When the ability to pay of the Send only Account completes AA payments corresponding to the instruction payment code, it is specifically used for：

When the type of the Send only Account is application type account, if the ability to pay of the Send only Account is not less than the branch The amount of money is paid, the second terminal is paid using more than the Send only Account by first in the second terminal Volume completes AA payments corresponding to the instruction payment code；

When the type of the Send only Account is application type account, if the ability to pay of the Send only Account is less than the payment AA payment requests are sent to third terminal corresponding to purpose Send only Account, pass through described the by the amount of money, the second terminal Three terminals complete the instruction payment code corresponding to AA pay, the type of the purpose account is system type account or using class T-account；

When the type of the Send only Account is system type account, if the ability to pay of the Send only Account is not less than the branch The amount of money is paid, the second terminal completes the instruction branch by USSD menus or STK menus using the remaining sum of the Send only Account AA corresponding to code is paid to pay；

When the type of the Send only Account is non-system type account, the second terminal pays the AA branch in request Pay instruction code and be sent to third terminal corresponding to purpose Send only Account, the instruction payment code pair is completed by the third terminal The AA answered is paid.