CN107818460B - Payment method and device - Google Patents

Payment method and device Download PDF

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Publication number
CN107818460B
CN107818460B CN201610821706.3A CN201610821706A CN107818460B CN 107818460 B CN107818460 B CN 107818460B CN 201610821706 A CN201610821706 A CN 201610821706A CN 107818460 B CN107818460 B CN 107818460B
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payment
amount due
remaining amount
bill
user
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CN107818460A (en
Inventor
徐晨曦
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Beijing Jingdong Century Trading Co Ltd
Beijing Jingdong Shangke Information Technology Co Ltd
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Beijing Jingdong Century Trading Co Ltd
Beijing Jingdong Shangke Information Technology Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102Bill distribution or payments
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403Solvency checks

Abstract

The invention discloses a payment method, which comprises the following steps: A. generating a payment bill; the payment bill comprises a uniquely identified payment order number and a total amount payable; B. determining the remaining amount due according to the payment order number and the total amount due included in the payment bill; C. inquiring the remaining amount due, if the remaining amount due is larger than zero, informing the payment user to select the payment amount and the payment mode, and completing the payment; and after the payment is finished, returning to the step B and the step C, and when the step C is executed, if the remaining amount due is equal to zero, generating a message that the payment is not required to be made again, and ending the process. The invention also discloses a payment device. The invention can solve the problem of payment failure caused by insufficient payment limit or account balance when the order is paid once on the network.

Description

Payment method and device
Technical Field
The invention relates to the field of internet, in particular to a payment method and a payment device.
Background
The existing online payment method supports single payment by a single person, namely, one order can be paid only once, and if the payment fails due to insufficient quota or insufficient balance and the like, the payment can be carried out only by returning to a reselected payment mode. When a large order is paid or the balance of the bank card of the user is insufficient, the mode cannot complete payment.
Disclosure of Invention
The invention aims to provide a payment method and a payment device, which can solve the problem of payment failure caused by insufficient payment limit or account balance when an order is paid once on the network.
To achieve the above object, the present invention provides a payment method, comprising:
A. generating a payment bill; the payment bill comprises a uniquely identified payment order number and a total amount payable;
B. determining the remaining amount due according to the payment order number and the total amount due included in the payment bill;
C. inquiring the remaining amount due, if the remaining amount due is larger than zero, informing the payment user to select the payment amount and the payment mode, and completing the payment;
and after the payment is finished, returning to the step B and the step C, and when the step C is executed, if the remaining amount due is equal to zero, generating a message that the payment is not required to be made again, and ending the process.
To achieve the above object, the present invention further provides a payment apparatus, comprising:
the acquisition module generates a payment bill; the payment bill comprises a uniquely identified payment order number and a total amount payable;
the determining module is used for determining the remaining amount due according to the payment order number and the total amount due contained in the payment bill;
the payment operation module is used for inquiring the remaining amount due, and if the remaining amount due is larger than zero, informing the payment user to select the payment amount and the payment mode to complete the payment;
and when the remaining amount due is inquired, if the remaining amount due is equal to zero, generating a message that no further payment is needed, and ending the process.
In summary, the payment method and apparatus provided in the embodiment of the present invention include: A. generating a payment bill; the payment bill comprises a uniquely identified payment order number and a total amount payable; B. determining the remaining amount due according to the payment order number and the total amount due included in the payment bill; C. inquiring the remaining amount due, if the remaining amount due is larger than zero, informing the payment user to select the payment amount and the payment mode, and completing the payment; and after the payment is finished, returning to the step B and the step C, and when the step C is executed, if the remaining amount due is equal to zero, generating a message that the payment is not required to be made again, and ending the process. Therefore, the scheme of the invention can automatically calculate the residual amount due, when the user can not finish payment alone, the user can ask for help of other people, and other people can automatically select whether to pay or input the amount of payment according to self conditions (bank card balance, payment limit, self economic conditions and the like), and each person can pay any amount for multiple times until the amount of payment is more than or equal to the amount of payment due, and the payment is closed.
Drawings
Fig. 1 is a schematic flow chart of a payment method according to an embodiment of the present invention.
Fig. 2 is a schematic structural diagram of a payment device applied to the method in the embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the embodiments of the present invention will be described in detail with reference to the accompanying drawings.
The embodiment of the invention discloses a payment method, the flow schematic diagram of which is shown in figure 1, and the method comprises the following steps:
step 11, generating a payment bill; the payment bill comprises a uniquely identified payment order number and a total amount payable;
step 12, determining the remaining amount due according to the payment order number and the total amount due included in the payment bill;
step 13, inquiring the remaining amount due, if the remaining amount due is larger than zero, executing step 14, informing the payment user to select the payment amount and the payment mode, and completing the payment;
after the payment is finished, returning to step 12 and step 13, when step 13 is executed, if the remaining amount due is equal to zero, step 15 is executed, a message that no further payment is needed is generated, and the process is ended.
If the total amount of money paid is greater than the total amount payable, step 16 is performed to determine the amount to be refunded and to return the refunded amount to the last user who completed the payment according to the payment time of each payment user.
It should be noted that, in a normal situation, the remaining amount due is inquired for each payment, and there is theoretically no case of multiple payments, but in an actual situation, due to network delay, simultaneous operation of multiple users, or the like, there may be a case of multiple payments, and at this time, the amount of multiple payments is necessarily caused by the last user who paid, and therefore, the amount of multiple payments is returned to the last user who completed the payment.
Because the scheme of the invention supports multi-person payment and also supports multiple times of payment, after the payment is finished, the method also comprises the following steps: storing the paid detail data in real time; then, the step 12 of determining the remaining amount due based on the bill number for payment and the total amount due included in the bill for payment includes: and determining the updated remaining amount due according to the payment order number, the total amount due and all the paid detail data.
Because the scheme of the invention supports multi-person payment and also supports multi-time payment, a payment bill is generated, and simultaneously a corresponding payment link is generated for receiving the inquiry of each user to be paid on the remaining amount due, and the step 13 is executed.
The payment method supports multi-person payment, namely users of any number do not need to appoint the number of people to pay in advance; the payment is supported for many times, namely, each user can pay for many times and inputs any amount to pay by himself each time; when the excess payment is carried out, the payment of the plurality of paid money can be returned to the last user for payment according to the payment time.
Further, preferably, in order to process the condition that the payment is not completely paid in time-out, the payment bill of the invention also comprises time-out time;
in the case of performing the inquiry of the remaining amount due in step 13, the method further comprises:
determining effective payment time according to the payment bill creation time and the set timeout time;
if the payment is within the effective payment time, continuing to execute the step 14, the step 15 or the step 16 according to the inquiry result of the remaining amount due;
if not, the paid amount of each paying user is returned to each paying user according to the paid detail data.
It can be seen from the above that, in the payment method of the invention, when the overtime is not completely paid, all paid money is returned to the paid user according to the payment detail record, and the payment is recorded as payment failure.
Based on the same inventive concept, the embodiment of the present invention further provides a payment apparatus, as shown in fig. 2, the apparatus includes:
an acquisition module 201 for generating a payment bill; the payment bill comprises a uniquely identified payment order number and a total amount payable;
the determining module 202 determines the remaining amount due according to the payment order number and the total amount due included in the payment bill;
the payment operation module 203 inquires the remaining amount due, and if the remaining amount due is larger than zero, informs the payment user to select the payment amount and the payment mode, and completes the payment;
and when the remaining amount due is inquired, if the remaining amount due is equal to zero, generating a message that no further payment is needed, and ending the process.
When the payment operation module 203 inquires the remaining amount due, if the total amount of money paid is greater than the total amount due, the amount due to refund is determined, and the amount due to refund is returned to the last user who completes payment according to the payment time of each payment user.
The obtaining module 201 is further configured to store the paid detail data in real time after the payment is completed;
the determining module 202 is further configured to determine the updated remaining amount due according to the payment order number, the total amount due and all the paid detail data.
The payment bill further comprises setting a timeout time;
the determining module 202 is further configured to determine effective payment time according to the payment bill creation time and the set timeout time when the payment processing module queries the remaining amount due;
if the payment is within the effective payment time, continuing to operate the payment operation module 203 according to the query result of the remaining amount due;
if the payment operation module 203 is not within the valid payment time, the payment operation module is further configured to return the paid amount of each payment user to each payment user according to the paid detail data.
The following description sets forth specific scenarios for a clear understanding of the present invention.
Example one
1) The obtaining module generates a bill for payment according to the front-end service (the order requiring payment), and may include: a payment order number, a payment bill creation time, and a total amount payable; a set timeout time may also be included. And generating a corresponding payment link while generating the payment bill, wherein the payment link can be sent to other people by the user and used for payment by the other people entering the payment link.
Wherein, the payment order number exists only as the main key, and the payment order is identified only. That is, whether multiple payments or multiple payments correspond to the same payment order number. Any user entering the payment page through the payment link pays for the same payment order number.
For the set timeout time, for example, the set timeout time is 24 hours, which indicates that if the payment is not completed within 24 hours from the time of the creation of the payment bill, the payment bill times out and the payment fails.
2) In the case that the user has not paid yet, the remaining amount due calculated by the confirmation module is equal to the total amount due.
3) Any user enters the payment page through the payment link, and when the payment is carried out, the remaining amount due corresponding to the payment order number is inquired through the payment operation module firstly.
The user selects the amount of the secondary payment and the payment mode of the current payment by himself, wherein the payment mode comprises but is not limited to online electronic payment modes such as Unionpay payment, online banking, Payment treasures, financial payment and the like. And the payment operation module jumps to the corresponding payment page to carry out payment operation according to the selected payment mode and waits for a payment result. The payment result includes the following two cases: and if the payment fails, ending the payment operation. If the payment is successful, the payment operation module writes the payment detail data into the acquisition module for storage, and the payment detail data comprises payment amount, name of a payer, payment time, information of a bank card and the like. Then, the payment operation module inquires the latest calculation result of the determination module again.
In the invention, the content recorded by the acquisition module comprises a payment bill and payment detail data stored in real time, and one payment bill number corresponds to a plurality of payment detail data. And the determining module adds the payment sum of all the detail data under the same payment order number to be equal to the total real payment sum, and the total amount due-the total real payment sum is the residual amount due.
If the latest calculation result obtained by the determination module is that the total amount of money paid is greater than the total amount of money due, the information such as the amount to be refunded and the bank card is returned, and the payment operation module returns the amount to be refunded to the last user who finishes payment according to the payment time of each payment user.
If the latest calculation result obtained by the determination module is that the remaining amount due is zero, the payment operation module generates a message that no further payment is needed after inquiring, and the process is ended.
If the latest calculation result obtained by the determination module is that the remaining amount due is larger than zero, the payment operation module generates a payment message including the remaining amount due after inquiring, and continues to wait for the user to pay. Similarly, any user can enter the payment page through the payment link to pay for the remaining amount.
4) On the other hand, preferably, in order to ensure that the payment under the same payment bill is not timed out, when the payment operation module inquires the remaining amount due, the determination module determines the effective payment time according to the payment bill creation time and the set timeout time.
If the payment is not overtime within the effective payment time, continuing to operate the payment operation module according to the query result of the remaining amount due, wherein the operation comprises three conditions, and the first condition is that if the remaining amount due is larger than zero, the payment user is informed to select the payment amount and the payment mode, so that the payment is completed. In the second case, if the remaining amount due is equal to zero, a message that no further payment is required is generated, and the process is terminated. In the third case, if the total amount of money paid is greater than the total amount payable, the amount due to refund is determined and the amount due to refund is returned to the last user who completed the payment according to the payment time of each paying user.
And if the payment under the payment bill is not within the effective payment time, which indicates that the payment under the payment bill is overtime, the payment operation module returns the paid amount of each payment user to each payment user according to the paid detail data.
Therefore, the payment method of the invention is completed, the remaining amount due can be automatically calculated, multi-person and multi-time payment is supported, and the problem of payment failure caused by insufficient payment limit or account balance when the order is paid once on the network is solved.
Example two
It is assumed that the payment under the bill for payment is divided into a plurality of times and a plurality of users make the payment.
1) The user 1 enters a payment page through a payment link, and the terminal receives the remaining amount due inquiry request and then transparently transmits the inquiry request to the payment device;
after receiving the remaining amount-due inquiry request, the payment device generates a payment message including the remaining amount-due according to the inquiry result and sends the payment message to the terminal;
the user 1 selects the amount of the secondary payment and the payment mode of the secondary payment according to the payment message and sends the amount of the secondary payment and the payment mode of the secondary payment to the terminal;
the terminal sends the input of the user 1 to the payment device to complete the first payment.
2) The user 2 enters a payment page through the payment link, and the terminal receives the remaining amount due inquiry request and then transparently transmits the inquiry request to the payment device;
after the payment device receives the remaining amount due inquiry request, according to the inquired result,
if the message which does not need to be paid again is generated, the message is sent to the terminal and then the process is ended;
if a payment message including the remaining amount due is generated, transmitting to the terminal;
the user 2 selects the amount of the secondary payment and the payment mode of the secondary payment according to the payment message and sends the amount of the secondary payment and the payment mode of the secondary payment to the terminal;
and the terminal sends the input of the user 2 to the payment device to complete the second payment.
It can be seen from the embodiment that the payment device can be triggered to inquire the remaining amount due by sending a remaining amount due inquiry request to the payment device through the terminal.
EXAMPLE III
It is assumed that the payment under the bill for payment is divided into a plurality of times.
1) The user 1 enters a payment page through a payment link, and the terminal receives the remaining amount due inquiry request and then transparently transmits the inquiry request to the payment device;
after receiving the remaining amount-due inquiry request, the payment device generates a payment message including the remaining amount-due according to the inquiry result and sends the payment message to the terminal;
the user 1 selects the amount of the secondary payment and the payment mode of the secondary payment according to the payment message and sends the amount of the secondary payment and the payment mode of the secondary payment to the terminal;
the terminal sends the input of the user 1 to the payment device to complete the first payment.
2) The payment device automatically inquires the updated remaining amount due, and generates a payment message including the remaining amount due according to the inquired result if the remaining amount due is larger than zero, and sends the payment message to the terminal of the user 1;
or if the remaining amount due is equal to zero, generating a message which does not need to be paid again and sending the message to the terminal of the user 1;
or if the total real payment amount is larger than the total payable amount, returning the amount to be refunded and information such as a bank card and the like, and returning the amount to be refunded to the last user who finishes payment according to the payment time of each payment user.
According to the embodiment, the inquiry result can be returned to the terminal by the mode that the payment device automatically inquires the updated remaining amount due so as to remind the user of the next operation.
The payment method and the payment device have the following advantages that:
the method supports multi-person payment, namely users with any number do not need to appoint the number of people to pay in advance;
secondly, multiple payments are supported, namely each user can pay for multiple times and inputs any amount to pay per time;
thirdly, when the payment is carried out in excess, the payment of the most paid money can be returned to the last user for payment according to the payment time;
and fourthly, when the payment is not completed completely within the overtime, all paid money is returned to the paid users on the original way according to the payment detail record, and the bill is marked as payment failure.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims (8)

1. A method of payment, the method comprising:
A. generating a payment bill; the payment bill comprises a uniquely identified payment order number and a total amount payable;
B. determining the remaining amount due according to the payment order number and the total amount due included in the payment bill;
C. inquiring the remaining amount due, if the remaining amount due is larger than zero, informing the payment user to select the payment amount and the payment mode, and completing the payment;
after the payment is finished, returning to the step B and the step C, and when the step C is executed, if the remaining amount due is equal to zero, generating a message that the payment is not needed again, and ending the process;
generating a payment bill and simultaneously generating a corresponding payment link for the user to send to other payment users, receiving the inquiry of each user to be paid on the remaining amount due, and executing the step C;
and C, determining the amount to be refunded if the total payment amount is larger than the total payable amount, and returning the amount to be refunded to the last user who finishes payment according to the payment time of each payment user.
2. The method of claim 1, wherein after completing the payment, the method further comprises:
storing the paid detail data in real time;
the step B of determining the remaining amount due according to the bill number for payment and the total amount due included in the bill for payment comprises:
and determining the updated remaining amount due according to the payment order number, the total amount due and all the paid detail data.
3. The method of claim 2, wherein said paying the bill further comprises setting a timeout;
in querying the remaining amount due, the method further comprises:
determining effective payment time according to the payment bill creation time and the set timeout time;
if the payment is within the effective payment time, continuing to execute the step C according to the query result of the remaining amount due;
if not, the paid amount of each paying user is returned to each paying user according to the paid detail data.
4. A payment device, the device comprising:
the acquisition module generates a payment bill; the payment bill comprises a uniquely identified payment order number and a total amount payable;
the determining module is used for determining the remaining amount due according to the payment order number and the total amount due contained in the payment bill;
the payment operation module is used for inquiring the remaining amount due, and if the remaining amount due is larger than zero, informing the payment user to select the payment amount and the payment mode to complete the payment;
when the remaining amount due is inquired, if the remaining amount due is equal to zero, generating a message that no further payment is needed, and ending the process;
wherein the content of the first and second substances,
the acquisition module generates a payment bill and also generates a corresponding payment link for the user to send to other payment users;
the payment operation module is used for receiving the inquiry of the remaining amount due triggered by each user to be paid through the payment link and executing the inquiry of the remaining amount due;
and when the payment operation module inquires the residual amount due, if the total real payment amount is greater than the total amount due, determining the amount due to refund, and returning the amount due to refund to the last user who completes payment according to the payment time of each payment user.
5. The apparatus of claim 4,
the acquisition module is also used for storing the paid detail data in real time after the payment is finished;
the determining module is also used for determining the updated remaining amount due according to the payment order number, the total amount due and all the paid detail data.
6. The apparatus of claim 5, wherein the bill for payment further comprises setting a timeout;
the determining module is also used for determining effective payment time according to the payment bill creating time and the set overtime time when the payment processing module inquires the residual amount due;
if the payment is within the effective payment time, continuing to operate the payment operation module according to the query result of the remaining amount due;
and if the payment operation module is not within the effective payment time, the payment operation module is also used for returning the paid amount of each payment user to each payment user according to the paid detail data.
7. An electronic device, comprising:
one or more processors;
storage means for storing one or more programs;
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-3.
8. A computer-readable storage medium, on which a computer program is stored, wherein the program, when executed by a processor, implements the method of any one of claims 1-3.
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