CN107590654A - A kind of method of on-line payment, terminal and computer-readable medium - Google Patents
A kind of method of on-line payment, terminal and computer-readable medium Download PDFInfo
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- CN107590654A CN107590654A CN201710684909.7A CN201710684909A CN107590654A CN 107590654 A CN107590654 A CN 107590654A CN 201710684909 A CN201710684909 A CN 201710684909A CN 107590654 A CN107590654 A CN 107590654A
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Abstract
The embodiment of the invention discloses a kind of method of on-line payment, terminal and computer-readable medium, wherein method includes：Obtain current positional information；According to the default corresponding relation between the positional information in the place of payment and payment information, obtain and show candidate's payment information corresponding to the current positional information；Determine target payment information；Wherein, the target payment information is one of them in candidate's payment information；Payment is obtained, on-line payment is carried out according to the target means of payment corresponding to the payment, the target payment information and collecting account.The embodiment of the present invention is by prestoring the default corresponding relation between the positional information in the place of payment and payment information, payment application scanning businessman Quick Response Code need not be searched when same businessman consumes again can get collecting account, and its corresponding means of payment is called to carry out on-line payment, the payment flow in same businessman consumption can be simplified, payment efficiency is improved and pay success rate.
Description
Technical field
The present invention relates to electronic technology field, more particularly to a kind of method of on-line payment, terminal and computer-readable Jie
Matter.
Background technology
On-line payment because of it there is the easily and efficiently advantage that pays to enjoy people to favor.The crowd of various age brackets uses
The mobile terminal of networking can be carried out by on-line payment mode (for example, wechat is paid, Alipay is paid or Unionpay pays etc.)
Shopping.
In existing on-line payment flow, terminal scanning pays Quick Response Code, and parses the payment Quick Response Code and obtain disbursement letter
Breath；Terminal detecting the payment cipher of user's input or during checking information, the payment cipher or checking information verified,
And when being verified, complete to pay according to the payment, payment account and the collecting account that get.
However, when user operates when a certain hotel owner consume again, it is necessary to repeat barcode scanning, cumbersome and waste is flowed
Amount, and when network is bad or light is bad, it may appear that the difficult situation of barcode scanning, cause user not prop up successfully
Pay.
The content of the invention
The embodiment of the present invention provides a kind of method of on-line payment, terminal and computer-readable medium, can simplify same
Businessman consumes the on-line payment flow of Double Spending, improves payment efficiency and improves payment success rate.
In a first aspect, the embodiments of the invention provide a kind of method of on-line payment, this method includes：
Obtain current positional information；
According to the default corresponding relation between the positional information in the place of payment and payment information, obtain and show described current
Positional information corresponding to candidate's payment information；
Determine target payment information；Wherein, the target payment information is one of them in candidate's payment information；
Obtain payment, according to the target means of payment corresponding to the payment, the target payment information and
Collecting account carries out on-line payment.
Second aspect, the embodiments of the invention provide a kind of terminal, the terminal includes being used to perform above-mentioned first aspect
The unit of method.
The third aspect, the embodiments of the invention provide another terminal, including processor, input equipment, output equipment and
Memory, the processor, input equipment, output equipment and memory are connected with each other, wherein, the memory is used to store branch
The computer program that terminal performs the above method is held, the computer program includes programmed instruction, and the processor is configured to use
In calling described program instruction, the method for performing above-mentioned first aspect.
Fourth aspect, the embodiments of the invention provide a kind of computer-readable recording medium, the computer-readable storage medium
Computer program is stored with, the computer program includes programmed instruction, and described program instruction makes institute when being executed by a processor
The method for stating the above-mentioned first aspect of computing device.
The embodiment of the present invention is by obtaining current positional information；According to the positional information in the place of payment and payment information it
Between default corresponding relation, obtain and show candidate's payment information corresponding to the current positional information；Determine that target is paid
Information；Wherein, the target payment information is one of them in candidate's payment information；Payment is obtained, according to institute
State payment, the target means of payment corresponding to the target payment information and collecting account carry out on-line payment.Due to again
The secondary payment application scanning businessman Quick Response Code that need not be searched when same businessman consumes can get collecting account, and call it
The corresponding means of payment carries out on-line payment, can simplify the on-line payment flow in same businessman consumption, improves payment efficiency
And improve and pay success rate.
Brief description of the drawings
Technical scheme in order to illustrate the embodiments of the present invention more clearly, it is required in being described below to embodiment to use
Accompanying drawing is briefly described, it should be apparent that, drawings in the following description are some embodiments of the present invention, general for this area
For logical technical staff, on the premise of not paying creative work, other accompanying drawings can also be obtained according to these accompanying drawings.
Fig. 1 is a kind of schematic flow diagram of the method for on-line payment provided in an embodiment of the present invention；
Fig. 2 is a kind of schematic flow diagram of the method for on-line payment that another embodiment of the present invention provides；
Fig. 3 is a kind of schematic block diagram of terminal provided in an embodiment of the present invention；
Fig. 4 is a kind of terminal schematic block diagram that another embodiment of the present invention provides.
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 part of the embodiment of the present invention, rather than whole embodiments.Based on this hair
Embodiment in bright, the every other implementation that those of ordinary skill in the art are obtained under the premise of creative work is not made
Example, belongs to the scope of protection of the invention.
It should be appreciated that ought be in this specification and in the appended claims in use, term " comprising " and "comprising" instruction
Described feature, entirety, step, operation, the presence of element and/or component, but it is not precluded from one or more of the other feature, whole
Body, step, operation, element, component and/or its presence or addition for gathering.
It is also understood that the term used in this description of the invention is merely for the sake of the mesh for describing specific embodiment
And be not intended to limit the present invention.As used in description of the invention and appended claims, unless on
Other situations are hereafter clearly indicated, otherwise " one " of singulative, "one" and "the" are intended to include plural form.
It will be further appreciated that the term "and/or" used in description of the invention and appended claims is
Refer to any combinations of one or more of the associated item listed and be possible to combine, and including these combinations.
As used in this specification and in the appended claims, term " if " can be according to context quilt
Be construed to " when ... " or " once " or " in response to determining " or " in response to detecting ".Similarly, phrase " if it is determined that " or
" if detecting [described condition or event] " can be interpreted to mean according to context " once it is determined that " or " in response to true
It is fixed " or " once detecting [described condition or event] " or " in response to detecting [described condition or event] ".
In the specific implementation, the terminal described in the embodiment of the present invention is including but not limited to such as with touch sensitive surface
The mobile phone, laptop computer or tablet PC of (for example, touch-screen display and/or touch pad) etc it is other just
Portable device.It is to be further understood that in certain embodiments, the equipment is not portable communication device, but with tactile
Touch the desktop computer of sensing surface (for example, touch-screen display and/or touch pad).
In discussion below, the terminal including display and touch sensitive surface is described.It is, however, to be understood that
It is that terminal can include one or more of the other physical user-interface device of such as physical keyboard, mouse and/or control-rod.
Terminal supports various application programs, such as one or more of following：Drawing application program, demonstration application journey
Sequence, word-processing application, website create application program, disk imprinting application program, spreadsheet applications, game application
Program, telephony application, videoconference application, email application, instant messaging applications, exercise
Support application program, photo management application program, digital camera application program, digital camera application program, web-browsing application
Program, digital music player application and/or video frequency player application program.
The various application programs that can be performed in terminal can use at least one public of such as touch sensitive surface
Physical user-interface device.It can adjust and/or change among applications and/or in corresponding application programs and touch sensitive table
The corresponding information shown in the one or more functions and terminal in face.So, the public physical structure of terminal is (for example, touch
Sensing surface) the various application programs with user interface directly perceived and transparent for a user can be supported.
Fig. 1 is referred to, Fig. 1 is a kind of schematic flow diagram of the method for on-line payment provided in an embodiment of the present invention.This reality
The executive agent for applying the method for on-line payment in example is terminal, and terminal includes but is not limited to smart mobile phone, tablet personal computer, PAD etc.
Mobile terminal.On-line payment method as depicted may include：
S101：Obtain current positional information.
Terminal normal work, and detect current when having on-line payment demand, whether detection currently opens station function, is examining
Measure current when having turned on positioning function, terminal is positioned using location technology, obtains the current positional information of terminal.
Terminal can detect user by preset icon trigger for represent on-line payment ask instruction when, identification
Currently to have on-line payment demand；Or terminal is detecting that user triggered for representing to exist by default virtual or physical button
When line pays the instruction of request, it is identified as currently having on-line payment demand；Terminal can also detect the touch of user's input
When data touch operation corresponding with the instruction for representing on-line payment request is consistent, it is identified as currently having on-line payment to need
Ask., can also basis for representing that touch operation corresponding to the instruction of on-line payment request can double-click the blank space of desktop
It is actually needed and is configured, is not limited herein.
Terminal can utilize global positioning system (Global Positioning System, GPS) or architecture technology
Terminal is positioned, but is not limited to this, terminal can also be positioned using other location technologies to terminal, for example, sharp
The mode positioned with Wifi in a small range.Positioning method based on GPS is by local terminal using the d GPS locating module in terminal
Position signalling is sent to positioning backstage to realize positioning.Architecture is then to utilize measuring and calculating distance of the base station to the distance of terminal
To determine terminal location.The latter does not need terminal to have GPS location ability, but positioning precision depends greatly on base station
Density, error can be more than one kilometer sometimes.The former positioning precision is higher.
S102：According to the default corresponding relation between the positional information in the place of payment and payment information, obtain and show institute
State candidate's payment information corresponding to current positional information.
Terminal obtains the default corresponding relation between the positional information in the place of payment prestored and payment information, according to
Default corresponding relation between the positional information in the place of payment and payment information obtains the corresponding candidate's branch of current positional information
Information is paid, and shows the candidate's payment information got, so that user is carried out from the businessman near current location of display
Selection.Candidate's payment information includes candidate's beneficiary information, and the beneficiary that candidate's beneficiary information comprises at least candidate identifies, also
Positional information and/or collecting account of candidate's beneficiary etc. can be included.Candidate's payment information is used for user's therefrom selection target
Payment information carries out on-line payment.The number of candidate's payment information can be one, or at least two, do not limit herein
System.Candidate's payment information refers to corresponding to current positional information：The place of payment and current location corresponding to candidate's payment information
It is the distance between identical or both within a preset range.
Beneficiary mark can be shop title, the title of beneficiary or the customized merchant identification of terminal user etc..Example
Such as, breakfast shop in roadside is probably that the personal name of storekeeper is collecting account title, and user is difficult with being somebody's turn to do only by collecting account
Businessman associates, and does not play a part of prompting, therefore user can be with self-defined merchant identification, such as breakfast in subway
Shop, for the user, preferably name and business contact can be got up, it is convenient to be selected in follow-up operation.
S103：Determine target payment information；Wherein, the target payment information be in candidate's payment information wherein
One.
When user browses candidate's payment information, the target payment information needed can be selected from candidate's payment information.
When the number of candidate's payment information is at least two, terminal detects that user selects branch from candidate's payment information
The predetermined registration operation of information is paid, then selected payment information is identified as target payment information.Detect that user pays from candidate
The predetermined registration operation of payment information is selected in information to be：Detect the display location for clicking on any candidate's payment information, or inspection
Measure user the instruction for representing to choose is inputted in choice box corresponding to any candidate's payment information and (chosen or point for example, interior
Choosing).
When the number of candidate's payment information is one, candidate's payment information directly can also be identified as target by terminal
Payment information.
In other embodiments, terminal can also determine target payment information according to candidate's payment information.
S104：Payment is obtained, according to the target means of payment corresponding to the payment, the target payment information
And collecting account carries out on-line payment.
Terminal obtain terminal user input payment, obtain target payment information corresponding to the target means of payment and
Collecting account, on-line payment is carried out according to the payment, the target means of payment and collecting account got, so that target branch
Capital management server corresponding to mode is paid to transfer payment account corresponding to payment from the target means of payment to gathering account
Family.The default corresponding relation between beneficiary mark, the collecting account of beneficiary and the means of payment has been prestored in terminal.
Collecting account can be wechat collecting account or Alipay collecting account, can also be that Unionpay collects money corresponding to paying
Account.
Obtaining the target means of payment and collecting account corresponding to target payment information can be：According to candidate's payment information
Comprising candidate beneficiary mark obtain beneficiary collecting account and the target means of payment associated with it.With beneficiary
The target means of payment of mark association is user's used payer when being paid to the beneficiary in history payment record
Formula.The means of payment can be with identical corresponding to same beneficiary mark in history payment record, can also be different.Remember when history is paid
In record corresponding to same beneficiary mark during means of payment difference, it can respectively establish and preserve beneficiary mark and pay note with it
The corresponding relation of record, the means of payment correspond with beneficiary mark.
Such scheme, terminal obtain current positional information；According between the positional information in the place of payment and payment information
Default corresponding relation, obtain and show candidate's payment information corresponding to the current positional information；Determine target disbursement letter
Breath；Wherein, the target payment information is one of them in candidate's payment information；Payment is obtained, according to described
The target means of payment corresponding to payment, the target payment information and collecting account carry out on-line payment.Due to again
Payment application scanning businessman Quick Response Code need not be searched when same businessman consumes can get collecting account, and call its right
The means of payment answered carries out on-line payment, can simplify the on-line payment flow in same businessman consumption, improve payment efficiency with
And improve and pay success rate.
Fig. 2 is referred to, Fig. 2 is a kind of schematic flow diagram of the method for on-line payment that another embodiment of the present invention provides.
The executive agent of the method for on-line payment is terminal in the present embodiment, terminal include but is not limited to smart mobile phone, tablet personal computer,
The mobile terminals such as PAD.On-line payment method as depicted may include：
S201：The position in payment information and the place of payment corresponding to every payment record is obtained from history payment record
Information；The payment information includes beneficiary information, the means of payment and the positional information in the place of payment.Payment information can be with
Including payment times.
Terminal obtains payment information corresponding to this payment record and using positioning skill when completing an on-line payment
Art obtains the positional information in the place of payment corresponding to this payment record.Terminal can utilize global positioning system (Global
Positioning System, GPS) or architecture technology terminal is positioned, but be not limited to this, terminal can also adopt
Terminal is positioned with other location technologies, for example, the mode positioned using Wifi in a small range.Positioning based on GPS
Mode is that the position signalling of local terminal is sent into positioning backstage to realize positioning using the d GPS locating module in terminal.Base station
Positioning is then to determine terminal location using measuring and calculating distance of the base station to the distance of terminal.The latter does not need terminal that there is GPS to determine
Capability, but positioning precision depends greatly on the density of base station, error can be more than one kilometer sometimes.The former positioning precision
It is higher.
The means of payment that payment information includes is the means of payment corresponding to every payment record, the means of payment can include but
It is not limited to wechat payment, Alipay payment or Unionpay to pay, can also is other on-line payment modes.The position letter in the place of payment
It can be specific address information or latitude and longitude information to cease for positional information corresponding to merchant store, positional information.
Beneficiary information includes beneficiary mark, collecting account.Collecting account can include but is not limited to wechat gathering account
Family, Alipay collecting account or Unionpay's collecting account, can also be the account of other support on-line payments.In the present embodiment,
Beneficiary mark is different from collecting account, and in other embodiments, beneficiary mark can be with identical with collecting account.
Beneficiary mark can be shop title, the title of beneficiary or the customized merchant identification of terminal user etc..Example
Such as, breakfast shop in roadside is probably that the personal name of storekeeper is collecting account title, and user is difficult with being somebody's turn to do only by collecting account
Businessman associates, and does not play a part of prompting, therefore user can be with self-defined merchant identification, such as breakfast in subway
Shop, for the user, preferably name and business contact can be got up, it is convenient to be selected in follow-up operation.
S202：Establish and preserve the default corresponding relation between the positional information in the place of payment and payment information.
When payment information includes beneficiary mark, collecting account, the means of payment and the positional information in the place of payment, eventually
The default corresponding pass that end can be established between beneficiary mark, collecting account, the means of payment and the positional information in the place of payment
System, and it is saved to database.
When payment information includes beneficiary mark, collecting account, the means of payment, payment times and the position in the place of payment
During information, terminal can establish beneficiary mark, collecting account, the means of payment, payment times and the position in place of payment letter
Default corresponding relation between breath, and it is saved to database.
When the means of payment corresponding to identical beneficiary mark has at least two, gathering is established respectively according to the means of payment
Default corresponding relation between side's mark, collecting account, the means of payment, payment times and the positional information in the place of payment, one
In individual default corresponding relation, beneficiary mark, collecting account, the means of payment, payment times and the positional information in the place of payment
Correspond.
The mapping table that terminal can be established between positional information as shown in Table 1 and payment information.
Table one
S201 and S203 sequentially, can first carry out S201 and S202 in no particular order, then perform S203, can also first carry out
S203, then S201 and S202 are performed, or S201 and S203 are performed simultaneously.
S203：Obtain current positional information.
When terminal detection is current on-line payment demand, whether detection currently opens station function, is detecting currently
When opening positioning function, terminal is positioned using location technology, obtains the current positional information of terminal.
Terminal can detect user by preset icon trigger for represent on-line payment ask instruction when, identification
Currently to have on-line payment demand；Or terminal is detecting that user triggered for representing to exist by default virtual or physical button
When line pays the instruction of request, it is identified as currently having on-line payment demand；Terminal can also detect the touch of user's input
When data touch operation corresponding with the instruction for representing on-line payment request is consistent, it is identified as currently having on-line payment to need
Ask.
, can also for representing that touch operation corresponding to the instruction of on-line payment request can double-click the blank space of desktop
It is configured according to being actually needed, is not limited herein.
S204：According to the default corresponding relation between the positional information in the place of payment and payment information, obtain and show institute
State candidate's payment information corresponding to current positional information；Wherein, candidate's payment information is obtained by history payment record.
Terminal obtains the default corresponding relation between the positional information in the place of payment prestored and payment information, according to
Default corresponding relation between the positional information in the place of payment and payment information obtains the corresponding candidate's branch of current positional information
Pay information.Terminal is when getting candidate's payment information corresponding to current positional information, in present bit before being identified as
Put and nearby bought commodity, show the candidate's payment information got, so as to user's being near current location from display
Businessman is selected.Candidate's payment information includes candidate's beneficiary information, and candidate's beneficiary information comprises at least the gathering of candidate
Side's mark, positional information and/or collecting account of candidate's beneficiary etc. can also be included.Candidate's payment information is used for user therefrom
Selection target payment information carries out on-line payment.The number of candidate's payment information can be one, or at least two, this
Place is not limited.Candidate's payment information refers to corresponding to current positional information：The place of payment corresponding to candidate's payment information with
Current location is the distance between identical or both within a preset range.
Beneficiary mark can be shop title, the title of beneficiary or the customized merchant identification of terminal user etc..Example
Such as, the customized merchant identification of terminal user, roadside breakfast shop are probably that the personal name of storekeeper is collecting account title, user
It is difficult to be associated only by collecting account with the businessman, do not play a part of prompting, therefore user can be with self-defined
Breakfast shop in merchant identification, such as subway, for the user, preferably name and business contact can be got up, side
Just selected in follow-up operation.
Alternatively, S204 can include S2041~S2042, or S204 can include S2043~S2044.
S2041：According to the default corresponding relation between the positional information in the place of payment and payment information and described current
Positional information, calculate the distance between current location and each place of payment be worth.
Terminal obtains each disbursement letter according to the default corresponding relation between the positional information and payment information in the place of payment
The positional information in the place of payment corresponding to breath, and the positional information in the place of payment and current according to corresponding to each payment information
Positional information, calculate the distance between corresponding with each payment information place of payment in current location and be worth.
S2042：Determined according to the distance value and candidate's payment information corresponding to showing the current positional information.
Terminal is worth determination and present bit according to the distance between current location place of payment corresponding with each payment information
Put candidate's payment information of information match.The candidate's payment information to match with current location information can be that candidate pays
The place of payment corresponding to information is the distance between identical with current location or both within a preset range.
Further, S2042 can be specifically included：Pressed according to the distance value from closely to remote sequential selection and showing pre-
If candidate's payment information of number；Or
If the distance value is less than or equal to pre-determined distance threshold value, by corresponding to the place of payment corresponding to the distance value
Payment information be identified as candidate's payment information, and show candidate's payment information.
Pressed for example, the distance between current location place of payment corresponding with each payment information can be worth by terminal near
It is ranked up, and by from the distance value for closely filtering out preset number successively to remote order, and will filters out to remote order
The payment information in the place of payment corresponding to distance value is identified as candidate's payment information.Preset number can be 5 or
10, other values are can also be, can be specifically configured according to being actually needed.Wherein, when the number of the distance value calculated is less than
During preset number, the payment information in the place of payment corresponding to all distance values is candidate's payment information, can be by from closely to remote
Order show each candidate's payment information successively.
The distance between current location place of payment corresponding with each payment information can also be worth by terminal, and default
Distance threshold is compared, when distance value is less than or equal to pre-determined distance threshold value, by place of payment institute corresponding to the distance value
Corresponding payment information is identified as candidate's payment information, and so as to identify all candidate's payment informations, terminal shows all identifications
The candidate's payment information gone out, can also be by distance value from closely showing identified candidate's payment information successively to remote order.
Pre-determined distance threshold value can be 100 meters or other values, can specifically be configured according to being actually needed, not limit herein
System.
Alternatively, the payment information also includes each self-corresponding payment times in each place of payment, and S204 can include
S2043~S2044.
S2043：According to the default corresponding relation between the positional information in the place of payment and payment information and described current
Positional information, obtain candidate's payment information corresponding to the current positional information.
Terminal obtains the default corresponding relation between the positional information in the place of payment prestored and payment information, according to
Default corresponding relation between the positional information and payment information in the place of payment, obtain the time to match with current positional information
Select payment information.The candidate's payment information to match with current positional information refers to：Paid place corresponding to candidate's payment information
Point is the distance between identical with current location or both within a preset range.
S2044：Payment times corresponding to the place of payment included according to each candidate's payment information, show institute
State candidate's payment information.
Terminal payment times according to corresponding to the place of payment that each candidate's payment information includes, by payment times from height to
The place of payment is ranked up by low order, and shows candidate's payment information corresponding to the place of payment after sequence.
In another embodiment, S204 can also include：
According to the default corresponding relation between the positional information in the place of payment and payment information and the current position
Information, determine that positional information meets the target place of payment of preset requirement；
Each self-corresponding payment times in the target place of payment are obtained, and are each corresponded to according to the target place of payment
Payment times show candidate's payment information corresponding to the current positional information.
Wherein, the target place of payment that positional information meets preset requirement can be：The positional information in the target place of payment
The distance between current positional information value be less than or equal to pre-determined distance threshold value or by positional information determination at
The place of payment of preset number near current location.
For example, terminal obtains each according to the default corresponding relation between the positional information and payment information in the place of payment
Pay the place of payment corresponding to information positional information, and according to corresponding to each payment information the positional information in the place of payment and
Current positional information, calculate the distance between the current location place of payment corresponding with each payment information value.
The distance between current location place of payment corresponding with each payment information can be worth by terminal presses from closely to remote
Order be ranked up, and by from closely filtering out the distance value of preset number successively to remote order, or filter out and be less than or wait
In the distance value of pre-determined distance threshold value, so as to the target place of payment corresponding to the distance value that filters out.
Terminal obtains each self-corresponding payment times in the target place of payment, and according to each self-corresponding branch in the target place of payment
Number is paid, is ranked up the target place of payment by the order of payment times from high to low, and shows that the target after sequence is paid
Candidate's payment information corresponding to place.
In another embodiment, when payment information also includes payment and time of payment, S204 can also include：
Each self-corresponding consumption total amount in each place of payment in preset time period is calculated according to the payment；According to described each
Default corresponding relation between each self-corresponding consumption total amount in the place of payment, the positional information in the place of payment and payment information,
Obtain and show candidate's payment information corresponding to the current positional information.
The payment and time of payment that terminal includes according to the payment information to prestore, calculate and each propped up in preset time period
Pay each self-corresponding consumption total value in place；Terminal corresponding is closed according to default between the positional information and payment information in the place of payment
System obtains the positional information in the place of payment corresponding to each payment information, and the place of payment according to corresponding to each payment information
Positional information and current positional information, calculate the distance between current location place of payment corresponding with each payment information
Value.
The distance between current location place of payment corresponding with each payment information can be worth by terminal presses from closely to remote
Order be ranked up, and by from closely filtering out the distance value of preset number successively to remote order, or filter out and be less than or wait
In the distance value of pre-determined distance threshold value, so as to the target place of payment corresponding to the distance value that filters out.
According to each self-corresponding consumption total value in each target place of payment, by the order of consumption total value from high to low by target
The place of payment is ranked up, and shows candidate's payment information corresponding to the target place of payment after sequence.
If getting candidate's payment information corresponding to current positional information, S205~S206 is performed.
Alternatively, if candidate's payment information corresponding to current positional information is got, then it is identified as in current position
Confidence breath does not nearby have payment record, and the on-line payment that will be carried out in current location performs S208~S210 to pay first.
S205：Determine target payment information；Wherein, the target payment information be in candidate's payment information wherein
One.
When user browses candidate's payment information, the target payment information needed can be selected from candidate's payment information.
When the number of candidate's payment information is at least two, terminal detects that user selects branch from candidate's payment information
The predetermined registration operation of information is paid, then selected payment information is identified as target payment information.Detect that user pays from candidate
The predetermined registration operation of payment information is selected in information to be：Detect the display location for clicking on any candidate's payment information, or inspection
Measure user the instruction for representing to choose is inputted in choice box corresponding to any candidate's payment information and (chosen or point for example, interior
Choosing).
When the number of candidate's payment information is one, candidate's payment information directly can also be identified as target by terminal
Payment information.
S206：Payment is obtained, according to the target means of payment corresponding to the payment, the target payment information
And collecting account carries out on-line payment.
Terminal obtains the payment that terminal user inputs in payment interface, obtains target branch corresponding to target payment information
Mode and collecting account are paid, on-line payment is carried out according to the payment, the target means of payment and collecting account got,
So that capital management server corresponding to the target means of payment draws payment account corresponding to payment from the target means of payment
It is allocated to collecting account.Prestored in terminal pre- between beneficiary mark, the collecting account of beneficiary and the means of payment
If corresponding relation.Collecting account can be wechat collecting account or Alipay collecting account, can also be that Unionpay pays
Corresponding collecting account.
Obtaining the target means of payment and collecting account corresponding to target payment information can be：According to candidate's payment information
Comprising candidate beneficiary mark obtain beneficiary collecting account and the target means of payment associated with it.With beneficiary
The target means of payment of mark association is user's used payer when being paid to the beneficiary in history payment record
Formula.The means of payment can be with identical corresponding to same beneficiary mark in history payment record, can also be different.Remember when history is paid
In record corresponding to same beneficiary mark during means of payment difference, it can respectively establish and preserve beneficiary mark and pay note with it
The corresponding relation of record, the means of payment correspond with beneficiary mark.Terminal can return to S203 entrance after S206 is performed
Next round circulates.
Alternatively, payment information also includes payment and time of payment, and on-line payment method can also include S207：
Consumption bill in preset time period is counted according to the payment information.
Terminal can be according to the payment in payment information and the consumed accounts in time of payment statistics preset time period
It is single.Consuming bill includes the consumption total value in preset time period；Can also be according to the position in the place of payment prestored in terminal
Corresponding to each place of payment in incidence relation statistics preset time period between confidence breath, time of payment and payment
Spending amount, consumption total value are the summation of each self-corresponding spending amount in all places of payment.Preset time period can be one day,
One week or one month, but this is not limited to, it can specifically be set according to actual conditions.
The detail of every consumption, such as the place of payment, payment, time of payment etc. can also be included by consuming bill.
Alternatively, after S206, on-line payment method can also include S208~S210.
S208：If candidate's payment information corresponding to not getting the current positional information, scan and parse businessman
2 D code information, according to the 2 D code information carry out on-line payment.
Terminal is not when getting candidate's payment information corresponding to current location information, not current before being identified as
Position is nearby consumed, and now user, which needs to search using existing on-line payment flow, pays application, to be applied by the payment
The 2 D code information for scanning businessman carries out on-line payment.
Specifically, terminal starts the payment application of user's triggering, and opens camera by the payment application scanning and solve
The 2 D code information of businessman is analysed, so as to obtain collecting account corresponding to 2 D code information, and for inputting the amount of money to be paid
The payment of interactive interface input, according to payment corresponding to the payment, collecting account and the payment application that get
Account carries out on-line payment, so that capital management server corresponding to payment application is corresponding from payment application by payment
Payment account transfer to collecting account.
Alternatively, S209：Complete on-line payment if detecting, record payment information corresponding to this payment record and
The positional information in the place of payment；Wherein, the payment information includes beneficiary mark, collecting account and the means of payment.
Terminal records payment information and payment corresponding to this payment record when detecting this on-line payment of completion
The positional information in place.Payment information includes beneficiary mark, collecting account and the means of payment, can also include paying gold
Payment times etc. corresponding to volume, the place of payment.Beneficiary identifies can be with identical with collecting account, can also be different.Work as gathering
When side's mark is identical with collecting account, retain one of them.
The positional information in the place of payment can be the positional information of merchant store address or peddling for flowing businessman
The positional information in place.
Payment information also includes payment and time of payment.
S210：According to the positional information in payment information and the place of payment corresponding to this described payment record, institute is updated
State the default corresponding relation between positional information and payment information.
The association that terminal establishes corresponding to this payment record between payment information and the positional information in the place of payment is closed
System, and by the default corresponding relation between the positional information and payment information that are prestored according to the update of incidence relation, so that
Incidence relation between the payment information of this record and the positional information in the place of payment is increased to the position prestored
Default corresponding relation between information and payment information.
Wherein, when payment information also includes payment and time of payment, terminal can also be held after S208 is performed
Row S207, the consumption bill in preset time period is counted according to the payment information.
Such scheme, terminal obtain current positional information；According between the positional information in the place of payment and payment information
Default corresponding relation, obtain and show candidate's payment information corresponding to the current positional information；Determine target disbursement letter
Breath；Wherein, the target payment information is one of them in candidate's payment information；Payment is obtained, according to described
The target means of payment corresponding to payment, the target payment information and collecting account carry out on-line payment.Due to again
Need not scan businessman's Quick Response Code when same businessman consumes can get collecting account, and call its corresponding means of payment
Carry out on-line payment, can simplify same businessman consumption on-line payment flow, improve payment efficiency and improve pay into
Power.
Terminal according to the distance between the place of payment and current location be worth determine candidate's payment information, by preferentially show away from
Candidate's payment information corresponding to the place of payment nearer from current location, it is easy to user quickly to determine target payment information, reduces
The time needed for target payment information is searched, improves payment efficiency.
Terminal payment times according to corresponding to the place of payment determine candidate's payment information, by the consumption habit for analyzing user
The consuming point that user often patronizes is obtained, and preferentially presents it to user, is easy to user quickly to determine target payment information, enters
One step improves payment efficiency.
Terminal can generate the consumption bill in preset time period, be easy to user to check the consumption of on-line payment, from
And it is easy to user to manage money matters or adjust consumption habit.
The embodiment of the present invention also provides a kind of terminal, the terminal include be used for perform described in foregoing any embodiment
The unit of each step in line method of payment.Specifically, referring to Fig. 3, Fig. 3 is a kind of showing for terminal provided in an embodiment of the present invention
Meaning block diagram.The terminal 3 of the present embodiment includes：First acquisition unit 301, establish unit 302, second acquisition unit 303, control list
Member 304, the payment unit 306 of determining unit 305 and first.
Alternatively, first acquisition unit 301, for obtaining payment corresponding to every payment record from history payment record
Information and the positional information in the place of payment；The payment information includes beneficiary information, the means of payment and the place of payment
Positional information.
Alternatively, unit 302 is established, between positional information and the payment information for establishing and preserving the place of payment
Default corresponding relation.
Second obtains single 303, for obtaining current positional information.
Control unit 304, for the default corresponding relation between the positional information according to the place of payment and payment information, obtain
Take and show candidate's payment information corresponding to the current positional information.
Specifically, control unit 304 can include：
Computing unit 3041, for the default corresponding relation between the positional information according to the place of payment and payment information with
And the current positional information, calculate the distance between current location and each place of payment value；
Determining unit 3042, for candidate's disbursement letter corresponding to determining the current positional information according to the distance value
Breath；
Further, it is determined that unit 3042, for being pressed according to the distance value from closely to remote sequential selection and showing pre-
If candidate's payment information of number；If or the distance value is less than or equal to pre-determined distance threshold value, by the distance value pair
The payment information corresponding to the place of payment answered is identified as candidate's payment information；
Display unit 3043, for showing candidate's payment information corresponding to the current positional information.
Specifically, the payment information also includes each self-corresponding payment times in the place of payment, and control unit 304 can be with
Including：
Acquiring unit 3044, for the default corresponding relation between the positional information according to the place of payment and payment information with
And the current positional information, obtain candidate's payment information corresponding to the current positional information；
Display unit 3043 is specifically used for according to corresponding to the place of payment that each candidate's payment information includes
Payment times, show candidate's payment information.
Determining unit 305, for determining target payment information；Wherein, the target payment information is that the candidate pays
One of them in information.
First payment unit 306, for obtaining payment, according to the payment, the target payment information pair
The target means of payment and collecting account answered carry out on-line payment.
Alternatively, payment information also includes payment and time of payment, and terminal can also include statistic unit 307,
For counting the consumption bill in preset time period according to the payment information.
Alternatively, terminal can also include：
Second payment unit 308, if for not getting candidate's payment information corresponding to the current positional information,
Scan and parse the 2 D code information of businessman, on-line payment is carried out according to the 2 D code information；
Recording unit 309, if completing on-line payment for detecting, record payment information corresponding to this payment record
And the positional information in the place of payment；Wherein, the payment information includes beneficiary mark, collecting account and the means of payment；
Updating block 310, for the position in payment information and the place of payment according to corresponding to this described payment record
Information, update the default corresponding relation between the positional information and payment information.
Such scheme, terminal obtain current positional information；According between the positional information in the place of payment and payment information
Default corresponding relation, obtain and show candidate's payment information corresponding to the current positional information；Determine target disbursement letter
Breath；Wherein, the target payment information is one of them in candidate's payment information；Payment is obtained, according to described
The target means of payment corresponding to payment, the target payment information and collecting account carry out on-line payment.Due to again
Need not scan businessman's Quick Response Code when same businessman consumes can get collecting account, and call its corresponding means of payment
Carry out on-line payment, can simplify same businessman consumption on-line payment flow, improve payment efficiency and improve pay into
Power.
Terminal according to the distance between the place of payment and current location be worth determine candidate's payment information, by preferentially show away from
Candidate's payment information corresponding to the place of payment nearer from current location, it is easy to user quickly to determine target payment information, reduces
The time needed for target payment information is searched, improves payment efficiency.
Terminal payment times according to corresponding to the place of payment determine candidate's payment information, by the consumption habit for analyzing user
The consuming point that user often patronizes is obtained, and preferentially presents it to user, is easy to user quickly to determine target payment information, enters
One step improves payment efficiency.
Terminal can generate the consumption bill in preset time period, be easy to user to check the consumption of on-line payment, from
And it is easy to user to manage money matters or adjust consumption habit.
Referring to Fig. 4, Fig. 4 is a kind of terminal schematic block diagram that another embodiment of the present invention provides.This implementation as depicted
Terminal 4 in example can include：One or more processors 401；One or more input equipments 402, one or more output
Equipment 403 and memory 404.Above-mentioned processor 401, input equipment 402, output equipment 403 and memory 404 pass through bus
405 connections.Memory 402 is used to store computer program, and the computer program includes programmed instruction, and processor 401 is used for
Perform the programmed instruction that memory 402 stores.Wherein, processor 401 is arranged to call described program instruction to perform：
Obtain current positional information；
According to the default corresponding relation between the positional information in the place of payment and payment information, obtain and show described current
Positional information corresponding to candidate's payment information；
Determine target payment information；Wherein, the target payment information is one of them in candidate's payment information；
Obtain payment, according to the target means of payment corresponding to the payment, the target payment information and
Collecting account carries out on-line payment.
Alternatively, processor 401 is additionally configured to call described program instruction to perform：
The positional information in payment information and the place of payment corresponding to every payment record is obtained from history payment record；
The payment information includes beneficiary information, the means of payment and the positional information in the place of payment；
Establish and preserve the default corresponding relation between the positional information in the place of payment and payment information.
Alternatively, the payment information also includes payment and time of payment, and processor 401 is additionally configured to adjust
Instructed and performed with described program：Consumption bill in preset time period is counted according to the payment information.
Alternatively, processor 401 is specific is arranged to call described program instruction to perform：
According to the default corresponding relation between the positional information in the place of payment and payment information and the current position
Information, calculate the distance between current location and each place of payment value；
Determined according to the distance value and candidate's payment information corresponding to showing the current positional information.
Alternatively, processor 401 is specific is arranged to call described program instruction to perform：
According to the distance value by from closely to remote sequential selection and showing candidate's payment information of preset number；Or
If the distance value is less than or equal to pre-determined distance threshold value, by corresponding to the place of payment corresponding to the distance value
Payment information be identified as candidate's payment information, and show candidate's payment information.
Alternatively, the payment information also includes each self-corresponding payment times in the place of payment, processor 401 specifically by with
Put for calling described program instruction to perform：
According to the default corresponding relation between the positional information in the place of payment and payment information and the current position
Information, obtain candidate's payment information corresponding to the current positional information；
Payment times corresponding to the place of payment included according to each candidate's payment information, show the candidate
Payment information.
Alternatively, processor 401 is additionally configured to call described program instruction to perform：
If candidate's payment information corresponding to not getting the current positional information, scan and parse the two dimension of businessman
Code information, on-line payment is carried out according to the 2 D code information；
On-line payment is completed if detecting, records the position in payment information and the place of payment corresponding to this payment record
Confidence ceases；Wherein, the payment information includes beneficiary mark, collecting account and the means of payment；
According to the positional information in payment information and the place of payment corresponding to this described payment record, the position is updated
Default corresponding relation between information and payment information.
It should be appreciated that in embodiments of the present invention, alleged processor 401 can be CPU (Central
Processing Unit, CPU), the processor can also be other general processors, digital signal processor (Digital
Signal Processor, DSP), application specific integrated circuit (Application Specific Integrated Circuit,
ASIC), ready-made programmable gate array (Field-Programmable Gate Array, FPGA) or other FPGAs
Device, discrete gate or transistor logic, discrete hardware components etc..General processor can be microprocessor or this at
It can also be any conventional processor etc. to manage device.
Input equipment 402 can include Trackpad, fingerprint adopt sensor (finger print information that is used to gathering user and fingerprint
Directional information), microphone etc., output equipment 403 can include display (LCD etc.), loudspeaker etc..
The memory 404 can include read-only storage and random access memory, and to processor 401 provide instruction and
Data.The a part of of memory 404 can also include nonvolatile RAM.For example, memory 404 can also be deposited
Store up the information of device type.
In the specific implementation, processor 401, input equipment 402, the output equipment 403 described in the embodiment of the present invention can
Perform the realization side described in the first embodiment and second embodiment of the method for on-line payment provided in an embodiment of the present invention
Formula, the implementation of the terminal described by the embodiment of the present invention is also can perform, will not be repeated here.
A kind of computer-readable recording medium, the computer-readable storage medium are provided in another embodiment of the invention
Matter is stored with computer program, and the computer program includes programmed instruction, and described program instruction is realized when being executed by processor：
Obtain current positional information；
According to the default corresponding relation between the positional information in the place of payment and payment information, obtain and show described current
Positional information corresponding to candidate's payment information；
Determine target payment information；Wherein, the target payment information is one of them in candidate's payment information；
Obtain payment, according to the target means of payment corresponding to the payment, the target payment information and
Collecting account carries out on-line payment.
Alternatively, also realized when described program instruction is executed by processor：
The positional information in payment information and the place of payment corresponding to every payment record is obtained from history payment record；
The payment information includes beneficiary information, the means of payment and the positional information in the place of payment；
Establish and preserve the default corresponding relation between the positional information in the place of payment and payment information.
Alternatively, the payment information also includes payment and time of payment, and described program instruction is held by processor
Also realized during row：Consumption bill in preset time period is counted according to the payment information.
Alternatively, implemented when described program instruction is executed by processor：
According to the default corresponding relation between the positional information in the place of payment and payment information and the current position
Information, calculate the distance between current location and each place of payment value；
Determined according to the distance value and candidate's payment information corresponding to showing the current positional information.
Alternatively, implemented when described program instruction is executed by processor：
According to the distance value by from closely to remote sequential selection and showing candidate's payment information of preset number；Or
If the distance value is less than or equal to pre-determined distance threshold value, by corresponding to the place of payment corresponding to the distance value
Payment information be identified as candidate's payment information, and show candidate's payment information.
Alternatively, the payment information also includes each self-corresponding payment times in the place of payment；Described program instruction is located
Reason device implements when performing：
According to the default corresponding relation between the positional information in the place of payment and payment information and the current position
Information, obtain candidate's payment information corresponding to the current positional information；
Payment times corresponding to the place of payment included according to each candidate's payment information, show the candidate
Payment information.
Alternatively, implemented when described program instruction is executed by processor：
If candidate's payment information corresponding to not getting the current positional information, scan and parse the two dimension of businessman
Code information, on-line payment is carried out according to the 2 D code information；
On-line payment is completed if detecting, records the position in payment information and the place of payment corresponding to this payment record
Confidence ceases；Wherein, the payment information includes beneficiary mark, collecting account and the means of payment；
According to the positional information in payment information and the place of payment corresponding to this described payment record, the position is updated
Default corresponding relation between information and payment information.
The computer-readable recording medium can be the internal storage unit of the terminal described in foregoing any embodiment, example
Such as the hard disk or internal memory of terminal.The computer-readable recording medium can also be the External memory equipment of the terminal, such as
The plug-in type hard disk being equipped with the terminal, intelligent memory card (Smart Media Card, SMC), secure digital (Secure
Digital, SD) card, flash card (Flash Card) etc..Further, the computer-readable recording medium can also be wrapped both
Including the internal storage unit of the terminal also includes External memory equipment.The computer-readable recording medium is described for storing
Other programs and data needed for computer program and the terminal.The computer-readable recording medium can be also used for temporarily
When store the data that has exported or will export.
Those of ordinary skill in the art are it is to be appreciated that the list of each example described with reference to the embodiments described herein
Member and algorithm steps, it can be realized with electronic hardware, computer software or the combination of the two, in order to clearly demonstrate hardware
With the interchangeability of software, the composition and step of each example are generally described according to function in the above description.This
A little functions are performed with hardware or software mode actually, application-specific and design constraint depending on technical scheme.Specially
Industry technical staff can realize described function using distinct methods to each specific application, but this realization is not
It is considered as beyond the scope of this invention.
It is apparent to those skilled in the art that for convenience of description and succinctly, the end of foregoing description
End and the specific work process of unit, may be referred to the corresponding process in preceding method embodiment, will not be repeated here.
In several embodiments provided herein, it should be understood that disclosed terminal and method, it can be passed through
Its mode is realized.For example, device embodiment described above is only schematical, for example, the division of the unit, only
Only a kind of division of logic function, there can be other dividing mode when actually realizing, such as multiple units or component can be tied
Another system is closed or is desirably integrated into, or some features can be ignored, or do not perform.In addition, shown or discussed phase
Coupling or direct-coupling or communication connection between mutually can be INDIRECT COUPLING or the communication by some interfaces, device or unit
Connection or electricity, the connection of mechanical or other forms.
The unit illustrated as separating component can be or may not be physically separate, show as unit
The part shown can be or may not be physical location, you can with positioned at a place, or can also be distributed to multiple
On NE.Some or all of unit therein can be selected to realize scheme of the embodiment of the present invention according to the actual needs
Purpose.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, can also
It is that unit is individually physically present or two or more units are integrated in a unit.It is above-mentioned integrated
Unit can both be realized in the form of hardware, can also be realized in the form of SFU software functional unit.
If the integrated unit is realized in the form of SFU software functional unit and is used as independent production marketing or use
When, it can be stored in a computer read/write memory medium.Based on such understanding, technical scheme is substantially
The part to be contributed in other words to prior art, or all or part of the technical scheme can be in the form of software product
Embody, the computer software product is stored in a storage medium, including some instructions are causing a computer
Equipment (can be personal computer, server, or network equipment etc.) performs the complete of each embodiment methods described of the present invention
Portion or part steps.And foregoing storage medium includes：USB flash disk, mobile hard disk, read-only storage (ROM, Read-Only
Memory), random access memory (RAM, Random Access Memory), magnetic disc or CD etc. are various can store journey
The medium of sequence code.
The foregoing is only a specific embodiment of the invention, but protection scope of the present invention is not limited thereto, any
Those familiar with the art the invention discloses technical scope in, various equivalent modifications can be readily occurred in or replaced
Change, these modifications or substitutions should be all included within the scope of the present invention.Therefore, protection scope of the present invention should be with right
It is required that protection domain be defined.
Claims (10)
- A kind of 1. method of on-line payment, it is characterised in that including：Obtain current positional information；According to the default corresponding relation between the positional information in the place of payment and payment information, obtain and show the current position Candidate's payment information corresponding to confidence breath；Determine target payment information；Wherein, the target payment information is one of them in candidate's payment information；Payment is obtained, according to the target means of payment and gathering corresponding to the payment, the target payment information Account carries out on-line payment.
- 2. according to the method for claim 1, it is characterised in that methods described also includes：The positional information in payment information and the place of payment corresponding to every payment record is obtained from history payment record；It is described Payment information includes beneficiary information, the means of payment and the positional information in the place of payment；Establish and preserve the default corresponding relation between the positional information in the place of payment and payment information.
- 3. method according to claim 1 or 2, it is characterised in that the payment information also includes payment and branch The time is paid, methods described also includes：Consumption bill in preset time period is counted according to the payment information.
- 4. according to the method for claim 1, it is characterised in that the positional information and payment information according to the place of payment Between default corresponding relation, obtain and show candidate's payment information corresponding to the current positional information, including：According to the default corresponding relation between the positional information in the place of payment and payment information and the current positional information, Calculate the distance between current location and each place of payment value；Determined according to the distance value and candidate's payment information corresponding to showing the current positional information.
- 5. according to the method for claim 4, it is characterised in that described to be determined and shown described current according to the distance value Positional information corresponding to candidate's payment information, including：According to the distance value by from closely to remote sequential selection and showing candidate's payment information of preset number；OrIf the distance value is less than or equal to pre-determined distance threshold value, by the branch corresponding to the place of payment corresponding to the distance value Pay information and be identified as candidate's payment information, and show candidate's payment information.
- 6. according to the method for claim 1, it is characterised in that it is each self-corresponding that the payment information also includes the place of payment Payment times；Default corresponding relation between the positional information and payment information according to the place of payment, obtain and show described current Positional information corresponding to candidate's payment information, including：According to the default corresponding relation between the positional information in the place of payment and payment information and the current positional information, Obtain candidate's payment information corresponding to the current positional information；Payment times corresponding to the place of payment included according to each candidate's payment information, show that the candidate pays Information.
- 7. according to the method for claim 1, it is characterised in that methods described also includes：If candidate's payment information corresponding to not getting the current positional information, scan and parse the Quick Response Code letter of businessman Breath, on-line payment is carried out according to the 2 D code information；On-line payment is completed if detecting, the position in payment information and the place of payment corresponding to this payment record is recorded and believes Breath；Wherein, the payment information includes beneficiary mark, collecting account and the means of payment；According to the positional information in payment information and the place of payment corresponding to this described payment record, the positional information is updated Default corresponding relation between payment information.
- 8. a kind of terminal, it is characterised in that including the list for performing the method as described in claim 1-7 any claims Member.
- 9. a kind of terminal, it is characterised in that the processor, defeated including processor, input equipment, output equipment and memory Enter equipment, output equipment and memory to be connected with each other, wherein, the memory is used to store computer program, the computer Program includes programmed instruction, and the processor is arranged to call described program instruction, performed such as any one of claim 1-7 Described method.
- A kind of 10. computer-readable recording medium, it is characterised in that the computer-readable storage medium is stored with computer program, The computer program includes programmed instruction, and described program instruction makes the computing device such as right when being executed by a processor It is required that the method described in any one of 1-7.
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Application publication date: 20180116 |