CN107909371A - Method of payment, payment mechanism, computer installation and computer-readable recording medium - Google Patents
Method of payment, payment mechanism, computer installation and computer-readable recording medium Download PDFInfo
- Publication number
- CN107909371A CN107909371A CN201711025016.8A CN201711025016A CN107909371A CN 107909371 A CN107909371 A CN 107909371A CN 201711025016 A CN201711025016 A CN 201711025016A CN 107909371 A CN107909371 A CN 107909371A
- Authority
- CN
- China
- Prior art keywords
- payment
- pay invoice
- default
- mark
- pending
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- General Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Economics (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention provides a kind of method of payment, and the method for payment includes：Obtain pending payment mark, identify the information included in the pending payment mark, the information included in being identified according to the pending payment opens the payment interface to match with described information in terminal, according to the payment related information generation pay invoice included in the payment interface, the payment related information includes at least the information in the amount of money to be paid and pending payment mark, if the pay invoice meets the default terms of payment, the pay invoice is completed to exempt from authenticated payment operation.The present invention also provides a kind of payment mechanism, computer installation and computer-readable recording medium.The present invention can exempt payment authentication step, improve payment efficiency.
Description
Technical field
The present invention relates to electronic technology field, and in particular to a kind of method of payment, payment mechanism, computer installation and calculating
Machine readable storage medium storing program for executing.
Background technology
Background that this section is intended to provide an explanation of the embodiments of the present invention set forth in the claims or context.Herein
Description recognizes it is the prior art not because not being included in this part.
With the popularization of the application programs such as wechat, Alipay (APP), the life that Quick Response Code barcode scanning pays people is brought
Great convenience, people, which usually only need to carry with a mobile phone to go out, can tackle various consumption demands.For example, in movement
In the scene of payment, many users can often patronize some specific shops, for example, many working clans every morning can be in company
Breakfast is bought by buffet downstairs, and the early dinner cost of small amount is paid by barcode scanning.Checkout is required for scanning the two-dimensional code, is defeated user every time
It could complete to pay after entering the amount of money, authentication, such delivery operation is time-consuming and laborious, and not convenient enough, user experience is bad.
The content of the invention
In consideration of it, it is necessary to provide a kind of method of payment, payment mechanism, computer installation and computer-readable storage medium
Matter, the present invention can exempt payment authentication step, improve payment efficiency.
The first aspect of the present invention provides a kind of method of payment, and the method for payment includes：
Pending payment mark is obtained, identifies the information included in the pending payment mark；
The information included in being identified according to the pending payment opens the payment interface to match with described information in terminal；
According to the payment related information generation pay invoice included in the payment interface, the payment related information is extremely
Include the information in the amount of money to be paid and pending payment mark less；
If the pay invoice meets the default terms of payment, the pay invoice is completed to exempt from authenticated payment operation.
Further, the pay invoice meets the default terms of payment, including：
The corresponding pending payment of pay invoice is identified as default payment mark.
Further, the pay invoice meets that the default terms of payment include：
The corresponding payable number of authenticated payment operation of exempting from is less than or equal to the first preset times threshold value；Or
The payable number for exempting from authenticated payment operation described in associated with pending payment mark is less than or equal to the
Two preset times threshold values；Or
The corresponding progressive payment amount of money of authenticated payment operation of exempting from is less than or equal to the first preset cost threshold value；Or
The corresponding amount of money to be paid of the pay invoice is less than or equal to the second preset cost threshold value；Or
What the corresponding pending payment of pay invoice was identified as default payment mark and the default payment mark can
Payment times are less than or equal to the 3rd preset times threshold value.
Further, if the quantity of pending payment mark is multiple, the quantity of the pay invoice is multiple, the side
Method further includes：
Pre-set multiple default terms of payment that multiple pending payments identify corresponding multiple pay invoices；
If the pay invoice meets the default terms of payment, the pay invoice is completed to exempt from authenticated payment operation, bag
Include：
If each pay invoice in multiple pay invoices meets that the correspondence in multiple default terms of payment presets payment bar
Part, then complete the pay invoice to exempt from authenticated payment operation.
Further, the method further includes：
Pre-set it is multiple it is default payment mark and pre-set it is multiple it is default payment mark respectively with multiple default branch
The condition of paying corresponds to；
If the pay invoice meets the default terms of payment, the pay invoice is completed to exempt from authenticated payment operation bag
Include：
If the corresponding pending payment of the pay invoice is identified as one of multiple default payment marks and pay invoices
Meet the default terms of payment corresponding to one of multiple default payment marks, then the pay invoice is completed to exempt to reflect
Weigh delivery operation.
Second invention of the invention provides a kind of payment mechanism, and described device includes：
Identification module, for obtaining pending payment mark, identifies the information included in the pending payment mark；
Opening module, the information for being included in being identified according to the pending payment are opened and described information phase in terminal
The payment interface matched somebody with somebody；
Generation module, it is described for generating pay invoice according to the payment related information included in the payment interface
Payment related information includes at least the information in the amount of money to be paid and pending payment mark；
Payment module, for when the pay invoice meets the default terms of payment, completing to exempt to reflect to the pay invoice
Weigh delivery operation.
Further, the pay invoice meets the default terms of payment, including：
The corresponding pending payment of pay invoice is identified as default payment mark.
Further, the pay invoice meets that the default terms of payment include：
The corresponding payable number of authenticated payment operation of exempting from is less than or equal to the first preset times threshold value；Or
The payable number for exempting from authenticated payment operation described in associated with pending payment mark is less than or equal to the
Two preset times threshold values；Or
The corresponding progressive payment amount of money of authenticated payment operation of exempting from is less than or equal to the first preset cost threshold value；Or
The corresponding amount of money to be paid of the pay invoice is less than or equal to the second preset cost threshold value；Or
What the corresponding pending payment of pay invoice was identified as default payment mark and the default payment mark can
Payment times are less than or equal to the 3rd preset times threshold value.
Further, when the quantity of pending payment mark is multiple, the quantity of the pay invoice for it is multiple when, it is described
Device further includes：
First presetting module, the multiple pre- of corresponding multiple pay invoices is identified for pre-setting multiple pending payments
If the terms of payment；
The payment module, each pay invoice for being additionally operable to work as in multiple pay invoices meet multiple default terms of payment
In correspondence when presetting the terms of payment, the pay invoice is completed to exempt from authenticated payment operation.
Further, described device further includes:
Second presetting module, for pre-setting multiple default payment marks and pre-setting multiple default payment marks
It is corresponding with multiple default terms of payment respectively；
The payment module, is additionally operable to when the corresponding pending payment of the pay invoice is identified as in multiple default payment marks
One of and pay invoice meet it is multiple it is default payment mark one of corresponding to the default terms of payment when, to institute
Pay invoice is stated to complete to exempt from authenticated payment operation.
Third aspect present invention provides a kind of computer installation, and the computer installation includes processor, the processor
The step of method of payment is realized during for performing the computer program stored in storage device.
Fourth aspect present invention provides a kind of computer-readable recording medium, is stored thereon with computer program, the meter
The step of calculation machine program realizes the method for payment when being executed by processor.
It should be noted that since the claim quantity of claims limits, will not embody in detail in the claims
The claim of the corresponding device item of some method items.
Method of payment, payment mechanism, computer installation and computer-readable recording medium provided by the invention, obtain and wait to pay
Money identifies, and identifies the information included in the pending payment mark, the information included in being identified according to the pending payment is in terminal
The payment interface to match with described information is opened, is paid according to the payment related information generation included in the payment interface
Order, the payment related information includes at least the information in the amount of money to be paid and pending payment mark, if the payment
Order meets the default terms of payment, then the pay invoice is completed to exempt from authenticated payment operation.The present invention can exempt payment mirror
Step is weighed, improves payment efficiency.
Brief description of the drawings
Technical solution in order to illustrate the embodiments of the present invention more clearly, below will be to needed in embodiment description
Attached 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, without creative efforts, other attached drawings can also be obtained according to these attached drawings.
Fig. 1 is the flow chart for the method for payment that first embodiment of the invention provides；
Fig. 2 is the flow chart for the method for payment that second embodiment of the invention provides；
Fig. 3 is the flow chart for the method for payment that third embodiment of the invention provides；
Fig. 4 is the exemplary structure chart of the terminal of the present invention；
Fig. 5 is the exemplary functional block diagram of the payment mechanism of the present invention.
Main element symbol description
| Terminal | 1 |
| Processor | 10 |
| Storage device | 20 |
| Payment mechanism | 100 |
| Identification module | 11 |
| Opening module | 12 |
| Generation module | 13 |
| Payment module | 14 |
| First presetting module | 15 |
| Second presetting module | 16 |
Following embodiment will combine above-mentioned attached drawing and further illustrate the present invention.
Embodiment
It is to better understand the objects, features and advantages of the present invention, below in conjunction with the accompanying drawings and specific real
Applying example, the present invention will be described in detail.It should be noted that in the case where there is no conflict, embodiments herein and embodiment
In feature can be mutually combined.
Elaborate many details in the following description to facilitate a thorough understanding of the present invention, described embodiment only
It is part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, ordinary skill people
Member's all other embodiments obtained without making creative work, belong to the scope of protection of the invention.
Unless otherwise defined, all of technologies and scientific terms used here by the article is with belonging to technical field of the invention
The normally understood implication of technical staff is identical.Term used in the description of the invention herein is intended merely to description tool
The purpose of the embodiment of body, it is not intended that in the limitation present invention.
Fig. 1 is the schematic flow diagram for the method for payment that first embodiment of the invention provides, and the method for payment can be applied
In the terminal for being provided with least one payment application, the payment application can be wechat, Alipay, Internetbank etc. with mobile branch
Pay the payment application of function.As shown in Figure 1, method of payment may include following steps：
S101：Pending payment mark is obtained, identifies the information included in the pending payment mark.
Signified terminal of the invention, can be mobile phone, tablet computer, palm PC, laptop, desktop computer, car
The terminal of application software can be run by carrying equipment, navigation equipment etc., and this is not restricted.
Terminal obtain pending payment mark, can terminal open camera after alignment gathering code (including gathering Quick Response Code and
Gathering bar code) be scanned after, obtain pending payment mark, obtain and identify after pending payment mark and is included in pending payment mark
Information (such as gathering code service agreement information, the flag information (such as colouring information and the icon information that are arranged on gathering code
Deng) etc.), the information that the pending payment includes in identifying can include the information of the application belonging to pending payment mark, by described
Information may determine that this pending payment mark is that the payment for belonging to wechat identifies the payment mark for still falling within Alipay.
S102：The information included in being identified according to the pending payment opens the payment to match with described information in terminal
Interface.
If for example, identify that the application belonging to the pending payment mark is Alipay by described information, in terminal
The payment interface of Alipay is opened, if identifying that the application belonging to the pending payment mark is wechat by described information,
The payment interface of Alipay is opened in terminal, by payment interface, user can input the amount of money of payment.
S103：It is described to pay correlation according to the payment related information generation pay invoice included in the payment interface
Information includes at least the information in the amount of money to be paid and pending payment mark.
The amount of money that can be inputted when generating order according to user in the amount of money input frame of payment interface and the payment
Application generation pay invoice belonging to interface, such as when opening the payment interface for Alipay, user is defeated in payment interface
Enter the amount of money for 10 yuan, terminal can generate the pay invoice of an Alipay for including 10 yuan of amount of money, which can subsequently lead to
Cross Alipay to complete to pay, for another example when opening the payment interface for wechat, user inputs the amount of money as 20 in payment interface
Member, terminal can generate the pay invoice of a wechat for including 20 yuan of amount of money, which subsequently can complete branch by wechat
Pay.
S104：If the pay invoice meets the default terms of payment, the pay invoice is completed to exempt from authenticated payment behaviour
Make.
By judging whether pay invoice meets the default terms of payment, peace of the mobile payment when exempting from authenticated payment can be improved
Quan Xing.
The pay invoice meets the default terms of payment, can include：The corresponding pending payment mark of pay invoice
For default payment mark.
Wherein, the default payment mark can be the payment mark that user is voluntarily stored in terminal, if for example, user
Often consume, then can deposit the information that the gathering code includes using the gathering code in the shop as common gathering code in certain shop
Storage is used as common Receiving information in the terminal, can be directly complete to the pay invoice after user arrives the gathering code in scanning
Into delivery operation, without carrying out payment authentication.
The pay invoice meets the default terms of payment, can also include situations below：
Exemplary, the corresponding payable number of authenticated payment operation of exempting from is less than or equal to the first preset times threshold
Value.
Wherein, user can be configured the first preset times threshold value according to actual conditions, first preset times
Threshold value is for all payment delivery operations for being paid of application of terminal and the threshold value that sets, for example, set per hour or
Person daily or monthly exempt from authenticated payment operation highest number add up to 10 times, if it is described exempt from authenticated payment operation (for example,
Can be the delivery operation carried out by Alipay or wechat) corresponding payable number is less than or equal to 10 times, also
It is to say if this is exempted from authenticated payment operation within 10 times (including 10 times), then it is believed that the pay invoice meets to preset
The terms of payment, it is executable that the pay invoice is completed to exempt from authenticated payment operation.
It is exemplary, it is associated with pending payment mark described in exempt from authenticated payment operation payable number be less than or
Person is equal to the second preset times threshold value.
The corresponding payable total degree for exempting from authenticated payment operation of different pending payments mark can be set, this example not only can be with
Can the high security paid, but also the convenience of payment can be improved.For example, user, which can be directed to Alipay setting, adds up to 10
Secondary exempts from authenticated payment, is set for wechat and adds up to for 20 times and exempt from authenticated payment.
If described exempt from authenticated payment to operate to be carried out by Alipay, if described exempt from the payable of authenticated payment operation
Number be less than or equal to 10 times (even if by wechat carry out exempt from authenticated payment operate number have reached 20 times, it is impossible to
Carry out exempting from authenticated payment operation by wechat again), then it is believed that the pay invoice meets the default terms of payment, can perform to institute
Pay invoice is stated to complete to exempt from authenticated payment operation.
If described exempt from authenticated payment to operate to be carried out by wechat, if exempt from authenticated payment operation payable time
Number be less than or equal to 20 times (even if by Alipay carry out exempt from authenticated payment operate number have reached 10 times, it is impossible to
Exempt from authenticated payment by Alipay again to operate), then it is believed that the pay invoice meets the default terms of payment, can perform pair
The pay invoice is completed to exempt from authenticated payment operation.
Exemplary, the corresponding progressive payment amount of money of authenticated payment operation of exempting from is less than or equal to the first preset cost
Threshold value.
For terminal after completing to exempt from authenticated payment operation each time, terminal can count that all to exempt from authenticated payment operation corresponding
Payment, is less than or equal to the first preset cost threshold value if exempting from authenticated payment and operating corresponding progressive payment, can recognize
Meet the default terms of payment for the pay invoice, it is executable that the pay invoice is completed to exempt from authenticated payment operation.For example, exempt from
Authenticated payment operates corresponding accumulated amount and should not arrive more than 100 yuan, if current pay exempts from the corresponding branch of authenticated payment operation
The authenticated payment of exempting from that the amount of money is paid plus history operates the sum of corresponding payment more than 100 yuan, then it is assumed that the pay invoice
The default terms of payment are unsatisfactory for, it is necessary to which delivery operation could be completed after authenticating, conversely similarly, this will not be repeated here.
Exemplary, the corresponding amount of money to be paid of the pay invoice is less than or equal to the second preset cost threshold value.
Terminal can set the amount of money upper limit (i.e. the second preset cost threshold value) for exempting from authenticated payment operation each time, be, for example, 20
Member, if the corresponding amount of money to be paid of pay invoice is 19 yuan, it is believed that the pay invoice meets the default terms of payment, and
When the corresponding amount of money to be paid of pay invoice is 21 yuan, then it is believed that the pay invoice is unsatisfactory for the default terms of payment.
Exemplary, the corresponding pending payment of pay invoice is identified as default payment mark and the default payment
The payable number of mark is less than or equal to the 3rd preset times threshold value.
As described above, the default payment mark can be the payment mark that user is voluntarily stored in terminal, user can be with
Set multiple payments mark of storage to be identified as default payment, and set each default payment mark is corresponding to prop up
Frequency threshold value (for example, can be the payment times for exempting from authentication operations) is paid, such as sets a payment to be identified as default payment mark, and
Set the payable number of the default payment mark to add up to 5 times, preset if the corresponding pending payment of pay invoice is identified as this
Payment mark, and payable number corresponding with the default payment mark is less than or equal to 5 times, then is believed that the payment
Order is unsatisfactory for the default terms of payment.
Exemplary, the generation duration of the pay invoice is in the range of preset duration.
For example, the duration scope of default order generation should be within 10s, if the duration of the generation of pay invoice exceedes
10s, then it is believed that the pay invoice is invalid order, do not perform and exempt from authenticated payment operation, if on the contrary, the generation of pay invoice
Duration not less than (including equal to) 10s, then can perform and the pay invoice completed to exempt from authenticated payment operation.
The method of payment that present embodiment is provided, obtains pending payment mark, identifies what is included in the pending payment mark
Information, the information included in being identified according to the pending payment open the payment interface to match with described information in terminal, according to
Pay invoice is generated according to the payment related information included in the payment interface, the payment related information includes at least and waits to prop up
The information in the amount of money and pending payment mark is paid, if the pay invoice meets the default terms of payment, to the payment
Order is completed to exempt from authenticated payment operation.Present embodiment can exempt payment authentication step, improve payment efficiency.
Fig. 2 is the schematic flow diagram for the method for payment that second embodiment of the invention provides.The second embodiment with
The main distinction of first embodiment is, the tool that pay invoice meets the default terms of payment is further comprises in second embodiment
Hold in vivo.It should be noted that in the range of the spirit or essential attributes of the present invention, it is each suitable for first embodiment
Concrete scheme can also be accordingly suitable for second embodiment, for the sake of saving space and avoiding repetition, herein just no longer
Repeat.
The specific method step of present embodiment is as follows：
S201：Pre-set multiple default terms of payment that multiple pending payments identify corresponding multiple pay invoices.
It in this step, can first set each payment to identify the default terms of payment of corresponding pay invoice, preset and pay
Condition can be identified between the default terms of payment of corresponding pay invoice referring to the example in first embodiment, different payments
Can differ can also be identical, and this is not restricted.
S202：Pending payment mark is obtained, identifies the information included in the pending payment mark.
S203：The information included in being identified according to the pending payment opens the payment to match with described information in terminal
Interface.
S204：It is described to pay correlation according to the payment related information generation pay invoice included in the payment interface
Information includes at least the information in the amount of money to be paid and pending payment mark.
S205：If each pay invoice in multiple pay invoices meets that the correspondence in multiple default terms of payment presets branch
The condition of paying, then complete the pay invoice to exempt from authenticated payment operation.
When each pay invoice in multiple pay invoices meets the corresponding default terms of payment, it is believed that branch
Pay order and meet the default terms of payment, then the pay invoice is completed to exempt from authenticated payment operation.
Present embodiment further comprises pay invoice and meet to preset in addition to the beneficial effect with first embodiment
The particular content of the terms of payment, pre-sets multiple default payments that multiple pending payments identify corresponding multiple pay invoices
Condition, obtains pending payment mark, identifies the information included in the pending payment mark, is included in being identified according to the pending payment
Information opens the payment interface to match with described information in terminal, related according to the payment included in the payment interface
Information generates pay invoice, and the payment related information includes at least the letter in the amount of money to be paid and pending payment mark
Breath, if each pay invoice in multiple pay invoices meets that the correspondence in multiple default terms of payment presets the terms of payment,
The pay invoice is completed to exempt from authenticated payment operation.Present embodiment can not only exempt payment authentication step, improve and pay effect
Rate, but also can effectively evade and exempt from the safety issue that authenticated payment is brought.
Fig. 3 is the schematic flow diagram for the method for payment that third embodiment of the invention provides.3rd embodiment with
The main distinction of first embodiment is, the tool that pay invoice meets the default terms of payment is further comprises in the 3rd embodiment
Hold in vivo.It should be noted that in the range of the spirit or essential attributes of the present invention, it is each suitable for first embodiment
Concrete scheme can also be accordingly suitable for the 3rd embodiment, similarly, and each concrete scheme in second embodiment also may be used
With corresponding suitable for the 3rd embodiment, for the sake of saving space and avoiding repetition, just repeat no more herein.
The specific method step of present embodiment is as follows：
S301：Pre-set it is multiple it is default payment mark and pre-set it is multiple it is default payment mark respectively with it is multiple pre-
If the terms of payment correspond to.
Multiple payment marks can be prestored in terminal, the multiple payment mark is arranged to default payment mark,
And the default terms of payment of each default payment mark are set, make each default payment mark and a default terms of payment pair
Should, the corresponding default terms of payment of each default payment mark can be identical or different.
S302：Pending payment mark is obtained, identifies the information included in the pending payment mark.
S303：The information included in being identified according to the pending payment opens the payment to match with described information in terminal
Interface.
S304：It is described to pay correlation according to the payment related information generation pay invoice included in the payment interface
Information includes at least the information in the amount of money to be paid and pending payment mark.
S305：If the corresponding pending payment of the pay invoice is identified as one of multiple default payment marks and pays
Order meets the default terms of payment corresponding to one of multiple default payment marks, then the pay invoice is completed
Exempt from authenticated payment operation.
When the corresponding pending payment of pay invoice is identified as one in the multiple default payment mark, and this default pair
When money mark meets the corresponding default terms of payment, then it is believed that pay invoice meets the default terms of payment, then to described
Pay invoice is completed to exempt from authenticated payment operation.
Present embodiment further comprises pay invoice and meet to preset in addition to the beneficial effect with first embodiment
The particular content of the terms of payment, pre-set it is multiple it is default payment mark and pre-set it is multiple it is default payment mark respectively with
Multiple default terms of payment correspond to, and obtain pending payment mark, identify the information included in the pending payment mark, are treated according to described in
The information included in payment mark opens the payment interface to match with described information in terminal, according in the payment interface
In the payment related information generation pay invoice that includes, the payment related information includes at least the amount of money to be paid and described treats
Payment mark in information, if the corresponding pending payment of the pay invoice be identified as it is multiple it is default payment mark one of and
Pay invoice meets the default terms of payment corresponding to one of multiple default payment marks, then to the pay invoice
Authenticated payment operation is exempted from completion.Present embodiment can not only exempt payment authentication step, improve payment efficiency, but also can have
Effect, which is evaded, exempts from the safety issue that authenticated payment is brought, and different default payments mark has corresponding default payment bar
Part, therefore, can also improve the convenience of payment.
Fig. 4 be terminal 1 provided by the invention a kind of embodiment structure chart, as shown in figure 4, the terminal can apply it is upper
Each embodiment to be stated, terminal 1 provided by the present invention is described below, the terminal 1 can include payment mechanism 100,
Terminal 1 may also include processor 10, storage device 20, and be stored in the storage device 20 and can be to the processor 10
The computer program (instruction) of upper operation, such as pay control program, pay application etc., other hardware can also be included certainly
Part, such as screen, button etc., details are not described herein.
The processor 10 can be central processing unit (Central Processing Unit, CPU), 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) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor can also be any conventional processor
Deng the processor is the control centre of the terminal 1, utilizes various interfaces and the various pieces of the whole terminal 1 of connection.
The storage device 20 can be used for storing the computer program and/or module, and the processor 10 passes through operation
Or the computer program and/or module being stored in the storage device 20 are performed, and call and be stored in storage device 20
Data, realize the various functions of the server.The storage device 20 can mainly include storing program area and storage data
Area, wherein, storing program area can storage program area, application program needed at least one function etc.；Storage data field can deposit
Storage uses created data etc. according to mobile phone.In addition, storage device 20 can include high random access storage device, also
It can include Nonvolatile memory devices, such as hard disk, memory, plug-in type hard disk, intelligent memory card (Smart Media
Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card), at least one disk storage dress
Put part, flush memory device or other volatile solid-state storage device parts.
The payment mechanism 100, available for pending payment mark is obtained, identifies the information included in the pending payment mark,
The information included in being identified according to the pending payment opens the payment interface to match with described information in terminal, according in institute
The payment related information generation pay invoice included in payment interface is stated, the payment related information includes at least the amount of money to be paid
And the information in the pending payment mark, it is complete to the pay invoice if the pay invoice meets the default terms of payment
Operated into authenticated payment is exempted from.Therefore, payment authentication step can be exempted by payment mechanism 100, improves payment efficiency.
The payment mechanism 100, it may also be used for pre-set multiple pending payments and identify corresponding multiple pay invoices
Multiple default terms of payment, obtain pending payment mark, identify the information included in pending payment mark, wait to pay according to described in
The information included in money mark opens the payment interface to match with described information in terminal, according in the payment interface
Comprising payment related information generate pay invoice, the payment related information include at least the amount of money to be paid and it is described wait pay
Information in money mark, if each pay invoice in multiple pay invoices meets that the correspondence in multiple default terms of payment is preset
The terms of payment, then complete the pay invoice to exempt from authenticated payment operation.Therefore, branch can not only be exempted by payment mechanism 100
Authentication step is paid, improves payment efficiency, but also can effectively evade and exempt from the safety issue that authenticated payment is brought.
The payment mechanism 100, it may also be used for pre-set multiple default payment marks and pre-set multiple default
Payment mark is corresponding with multiple default terms of payment respectively, obtains pending payment mark, identifies what is included in the pending payment mark
Information, the information included in being identified according to the pending payment open the payment interface to match with described information in terminal, according to
Pay invoice is generated according to the payment related information included in the payment interface, the payment related information includes at least and waits to prop up
The information in the amount of money and pending payment mark is paid, if the corresponding pending payment of the pay invoice is identified as multiple default payments
One of mark and pay invoice meet the default terms of payment corresponding to one of multiple default payment marks,
Then the pay invoice is completed to exempt from authenticated payment operation.Therefore, payment authentication step can not only be exempted by payment mechanism 100
Suddenly, payment efficiency is improved, but also can effectively evade and exempt from the safety issue that authenticated payment is brought, different default payment marks
Knowledge has the corresponding default terms of payment, can improve the convenience of payment.
The processor 10 realizes the step in method of payment in above-mentioned each embodiment when performing the computer program,
Such as the step S101-S104 shown in Fig. 1.Alternatively, the processor 10 realizes each module/mono- when performing the computer program
The function of member.
Exemplary, the computer program can be divided into one or more module/units, one or more
A module/unit is stored in the storage device 20, and is performed by the processor, to complete the present invention.It is one
Or multiple module/units can be the series of computation machine programmed instruction section that can complete specific function, which is used to retouch
State implementation procedure of the computer program in the terminal 1.For example, the payment mechanism 100 can include identification module
11st, opening module 12, generation module 13 and payment module 14, as shown in figure 5, each module concrete function is as follows：
The identification module 11, available for pending payment mark is obtained, identifies the information included in the pending payment mark.
The opening module 12, available for the information that includes in being identified according to the pending payment opened in terminal with it is described
The payment interface of information match.
The generation module 13, is ordered available for according to the payment related information generation payment included in the payment interface
Single, the payment related information includes at least the information in the amount of money to be paid and pending payment mark.
The payment module 14, available for when the pay invoice meets the default terms of payment, to the pay invoice
Authenticated payment operation is exempted from completion.
Further, the payment module 14, it may also be used for when the corresponding pending payment of the pay invoice be identified as it is pre-
If during payment mark, the pay invoice is completed to exempt from authenticated payment operation.
Further, the payment module 14, it may also be used for：
When it is described exempt from authenticated payment and operate corresponding payable number and be less than or equal to the first preset times threshold value when, it is right
The pay invoice is completed to exempt from authenticated payment operation；Alternatively, exempt from authenticated payment described in associated with pending payment mark
When the payable number of operation is less than or equal to the second preset times threshold value, the pay invoice is completed to exempt from authenticated payment behaviour
Make；Alternatively, when it is described exempt from authenticated payment and operate the corresponding progressive payment amount of money and be less than or equal to the first preset cost threshold value when,
The pay invoice is completed to exempt from authenticated payment operation；Alternatively, be less than when the corresponding amount of money to be paid of the pay invoice or
During equal to the second preset cost threshold value, the pay invoice is completed to exempt from authenticated payment operation；Alternatively, work as the pay invoice phase
The payable number that corresponding pending payment is identified as default payment mark and the default payment mark is less than or equal to the
During three preset times threshold values, the pay invoice is completed to exempt from authenticated payment operation.
Further, the payment mechanism 100, can also include the first presetting module 15, wherein, the pending payment mark
Quantity to be multiple, the quantity of the pay invoice is multiple.
First presetting module 15, corresponding multiple pay invoices are identified available for multiple pending payments are pre-set
Multiple default terms of payment.
The payment module 14, it may also be used for when each pay invoice in multiple pay invoices meets multiple default payments
When correspondence in condition presets the terms of payment, the pay invoice is completed to exempt from authenticated payment operation.
Further, the payment mechanism 100, can also include the second presetting module 16.
Second presetting module 16, multiple preset is identified and pre-sets available for multiple default payments are pre-set
Payment mark is corresponding with multiple default terms of payment respectively.
The payment module 14, it may also be used for when the corresponding pending payment of the pay invoice is identified as multiple default payment marks
When one of knowledge and pay invoice meet the default terms of payment corresponding to one of multiple default payment marks,
The pay invoice is completed to exempt from authenticated payment operation.
The terminal 1 can be the computing devices such as PC server and cloud server.It will be understood by those skilled in the art that
The schematic diagram is only the restriction of the example of terminal 1, not structure paired terminal 1, can be included more more or fewer than illustrating
Component, either combines some components or different components, such as the terminal 1 can also include input-output equipment, network
Access device, bus etc..
If the integrated module/unit of the terminal 1 is realized in the form of SFU software functional unit and is used as independent product
Sale in use, can be stored in a computer read/write memory medium.It is of the invention to realize based on such understanding
All or part of flow in embodiment method is stated, relevant hardware can also be instructed to complete by computer program, institute
The computer program stated can be stored in a computer-readable recording medium, which, can when being executed by processor
The step of realizing above-mentioned each embodiment of the method.Wherein, the computer program includes computer program code, the computer
Program code can be source code form, object identification code form, executable file or some intermediate forms etc..The computer can
Reading medium can include：Any entity or device of the computer program code, recording medium, USB flash disk, mobile hard can be carried
Disk, magnetic disc, CD, computer storage, read-only storage (ROM, Read-Only Memory), random access memory
(RAM, Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..Need what is illustrated
It is that the content that the computer-readable medium includes can be fitted according to legislation in jurisdiction and the requirement of patent practice
When increase and decrease, such as in some jurisdictions, according to legislation and patent practice, computer-readable medium, which does not include electric carrier wave, to be believed
Number and telecommunication signal.
In several embodiments provided by the present invention, it should be appreciated that the method and apparatus, can also pass through
Other modes realize that device embodiment described above is only illustrative, the division of the module, are only one kind
Division of logic function, can there is other dividing mode when realizing.
It is obvious to a person skilled in the art that the invention is not restricted to the details of above-mentioned one exemplary embodiment, Er Qie
In the case of without departing substantially from spirit or essential attributes of the invention, the present invention can be realized in other specific forms.Therefore, no matter
From the point of view of which point, the present embodiments are to be considered as illustrative and not restrictive, and the scope of the present invention is by appended power
Profit requires rather than described above limits, it is intended that all in the implication and scope of the equivalency of claim by falling
Change is included in the present invention.Any reference numeral in claim should not be considered as to the involved claim of limitation.This
Outside, it is clear that one word of " comprising " is not excluded for other units or step, and odd number is not excluded for plural number.That is stated in device claim is multiple
Device can also be realized by same device or system by software or hardware.The first, the second grade word is used for representing name
Claim, and be not offered as any specific order.
Finally it should be noted that the above embodiments are merely illustrative of the technical solutions of the present invention and it is unrestricted, although reference
The present invention is described in detail in preferred embodiment, it will be understood by those of ordinary skill in the art that, can be to the present invention's
Technical solution is modified or equivalent substitution, without departing from the spirit and scope of technical solution of the present invention.
Claims (10)
1. a kind of method of payment, it is characterised in that the method for payment includes：
Pending payment mark is obtained, identifies the information included in the pending payment mark；
The information included in being identified according to the pending payment opens the payment interface to match with described information in terminal；
According to the payment related information generation pay invoice included in the payment interface, the payment related information is at least wrapped
Include the information in the amount of money to be paid and pending payment mark；
If the pay invoice meets the default terms of payment, the pay invoice is completed to exempt from authenticated payment operation.
2. method of payment as claimed in claim 1, it is characterised in that the pay invoice meets the default terms of payment, including：
The corresponding pending payment of pay invoice is identified as default payment mark.
3. method of payment as claimed in claim 1, it is characterised in that the pay invoice meets that the default terms of payment include：
The corresponding payable number of authenticated payment operation of exempting from is less than or equal to the first preset times threshold value；Or
The payable number for exempting from authenticated payment operation described in associated with pending payment mark is pre- less than or equal to second
If frequency threshold value；Or
The corresponding progressive payment amount of money of authenticated payment operation of exempting from is less than or equal to the first preset cost threshold value；Or
The corresponding amount of money to be paid of the pay invoice is less than or equal to the second preset cost threshold value；Or
The corresponding pending payment of pay invoice is identified as default payment mark and default the payable of mark of paying the bill
Number is less than or equal to the 3rd preset times threshold value.
4. such as claim 1-3 any one of them methods of payment, it is characterised in that if the quantity of pending payment mark is more
A, the quantity of the pay invoice is multiple, and the method further includes：
Pre-set multiple default terms of payment that multiple pending payments identify corresponding multiple pay invoices；
If the pay invoice meets the default terms of payment, the pay invoice is completed to exempt from authenticated payment operation, including：
If each pay invoice in multiple pay invoices meets that the correspondence in multiple default terms of payment presets the terms of payment,
The pay invoice is completed to exempt from authenticated payment operation.
5. such as claim 1-3 any one of them methods of payment, it is characterised in that the method further includes：
Pre-set it is multiple it is default payment mark and pre-set it is multiple it is default payment mark respectively with multiple default payment bars
Part corresponds to；
If the pay invoice meets the default terms of payment, exempting from authenticated payment operation to pay invoice completion includes：
If the corresponding pending payment of the pay invoice is identified as one of multiple default payment marks and pay invoice meets
The default terms of payment corresponding to one of multiple default payment marks, then complete the pay invoice to exempt from authentication branch
Pay operation.
6. a kind of payment mechanism, it is characterised in that described device includes：
Identification module, for obtaining pending payment mark, identifies the information included in the pending payment mark；
Opening module, the information for being included in being identified according to the pending payment open what is matched with described information in terminal
Payment interface；
Generation module, for generating pay invoice, the payment according to the payment related information included in the payment interface
Relevant information includes at least the information in the amount of money to be paid and pending payment mark；
Payment module, for when the pay invoice meets the default terms of payment, completing to exempt from authentication branch to the pay invoice
Pay operation.
7. payment mechanism according to claim 6, it is characterised in that the pay invoice meets the default terms of payment, bag
Include：
The corresponding pending payment of pay invoice is identified as default payment mark.
8. payment mechanism according to claim 6, it is characterised in that the pay invoice meets default terms of payment bag
Include：
The corresponding payable number of authenticated payment operation of exempting from is less than or equal to the first preset times threshold value；Or
The payable number for exempting from authenticated payment operation described in associated with pending payment mark is pre- less than or equal to second
If frequency threshold value；Or
The corresponding progressive payment amount of money of authenticated payment operation of exempting from is less than or equal to the first preset cost threshold value；Or
The corresponding amount of money to be paid of the pay invoice is less than or equal to the second preset cost threshold value；Or
The corresponding pending payment of pay invoice is identified as default payment mark and default the payable of mark of paying the bill
Number is less than or equal to the 3rd preset times threshold value.
9. a kind of computer installation, it is characterised in that the computer installation includes processor, and the processor is deposited for execution
Realized during the computer program stored in storage device as described in any one in claim 1-5 the step of method of payment.
10. a kind of computer-readable recording medium, is stored thereon with computer program, it is characterised in that the computer program
Realized when being executed by processor as described in any one in claim 1-5 the step of method of payment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711025016.8A CN107909371A (en) | 2017-10-26 | 2017-10-26 | Method of payment, payment mechanism, computer installation and computer-readable recording medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711025016.8A CN107909371A (en) | 2017-10-26 | 2017-10-26 | Method of payment, payment mechanism, computer installation and computer-readable recording medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107909371A true CN107909371A (en) | 2018-04-13 |
Family
ID=61842066
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711025016.8A Pending CN107909371A (en) | 2017-10-26 | 2017-10-26 | Method of payment, payment mechanism, computer installation and computer-readable recording medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107909371A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109191113A (en) * | 2018-08-14 | 2019-01-11 | 广东小天才科技有限公司 | Method of payment, device and intelligent wearable device based on intelligent wearable device |
| CN111754213A (en) * | 2020-06-24 | 2020-10-09 | 中国银行股份有限公司 | Transfer transaction processing method and system for mobile phone bank |
Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104732397A (en) * | 2015-04-08 | 2015-06-24 | 柳州市润博莱电子商务有限公司 | E-commerce payment method |
| CN105184561A (en) * | 2015-08-24 | 2015-12-23 | 小米科技有限责任公司 | Safety payment method and device |
| CN105654286A (en) * | 2015-12-29 | 2016-06-08 | 宇龙计算机通信科技(深圳)有限公司 | Payment method, payment device and wearable device |
| CN105701659A (en) * | 2016-03-11 | 2016-06-22 | 广州云移信息科技有限公司 | Two-dimensional code-based network payment method and system |
| CN106682561A (en) * | 2016-12-28 | 2017-05-17 | 深圳市全智达科技有限公司 | Scanning function utilization method and device |
| EP3171316A1 (en) * | 2015-11-17 | 2017-05-24 | Gelliner Limited | Payment confirmation system and method |
| CN107194687A (en) * | 2017-05-18 | 2017-09-22 | 赵桂银 | A kind of quick paying method and device |
| US20170278103A1 (en) * | 2016-03-24 | 2017-09-28 | Samsung Electronics Co., Ltd. | Electronic device for providing electronic payment function and method for operating the electronic device |
-
2017
- 2017-10-26 CN CN201711025016.8A patent/CN107909371A/en active Pending
Patent Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104732397A (en) * | 2015-04-08 | 2015-06-24 | 柳州市润博莱电子商务有限公司 | E-commerce payment method |
| CN105184561A (en) * | 2015-08-24 | 2015-12-23 | 小米科技有限责任公司 | Safety payment method and device |
| EP3171316A1 (en) * | 2015-11-17 | 2017-05-24 | Gelliner Limited | Payment confirmation system and method |
| CN105654286A (en) * | 2015-12-29 | 2016-06-08 | 宇龙计算机通信科技(深圳)有限公司 | Payment method, payment device and wearable device |
| CN105701659A (en) * | 2016-03-11 | 2016-06-22 | 广州云移信息科技有限公司 | Two-dimensional code-based network payment method and system |
| US20170278103A1 (en) * | 2016-03-24 | 2017-09-28 | Samsung Electronics Co., Ltd. | Electronic device for providing electronic payment function and method for operating the electronic device |
| CN106682561A (en) * | 2016-12-28 | 2017-05-17 | 深圳市全智达科技有限公司 | Scanning function utilization method and device |
| CN107194687A (en) * | 2017-05-18 | 2017-09-22 | 赵桂银 | A kind of quick paying method and device |
Non-Patent Citations (1)
| Title |
|---|
| 睡前来一段: "《https://jingyan.baidu.com/article/84b4f56591aab460f6da3284.html》", 4 December 2016 * |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109191113A (en) * | 2018-08-14 | 2019-01-11 | 广东小天才科技有限公司 | Method of payment, device and intelligent wearable device based on intelligent wearable device |
| CN111754213A (en) * | 2020-06-24 | 2020-10-09 | 中国银行股份有限公司 | Transfer transaction processing method and system for mobile phone bank |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11004101B2 (en) | Coupon system and methods using a blockchain | |
| US11720959B1 (en) | Payment processor financing of customer purchases | |
| CN107464169B (en) | Information output method and device | |
| CN110135823B (en) | Order processing method and device, computer equipment and readable storage medium | |
| US10872362B1 (en) | Invoice financing and repayment | |
| US20140250011A1 (en) | Account type detection for fraud risk | |
| US10535054B1 (en) | Purchase financing via an interactive digital receipt | |
| CN106022759A (en) | Electronic payment method supporting multiple accounts | |
| NL2015477B1 (en) | Method, electronic transaction order system, cash register system, transaction server and a computer program product for executing an electronic transaction order. | |
| US20130282563A1 (en) | Systems and Methods for Routing Debit Transactions | |
| CN111709777A (en) | Payment mode recommendation method, system, terminal device and storage medium | |
| CN107358439A (en) | Using method of payment, device and terminal device | |
| CN107590660A (en) | Method of mobile payment | |
| CN108022096A (en) | A kind of method of mobile payment, device, terminal and readable storage medium storing program for executing | |
| CN107564204A (en) | A kind of wholesale withdrawal method and atm device | |
| US10607204B2 (en) | Support messages based on merchant account context | |
| CN107341238A (en) | Data processing method and system | |
| CN112308590B (en) | Parameter processing method and device, computing equipment and storage medium | |
| CN107909371A (en) | Method of payment, payment mechanism, computer installation and computer-readable recording medium | |
| CN106408300A (en) | Membership service charging method, membership service charging device and membership service charging system | |
| CN107301236A (en) | Application searches method, mobile terminal, server and computer-readable recording medium | |
| CN107330058A (en) | Application searches method, mobile terminal and computer-readable recording medium | |
| TW201506826A (en) | Method and system for processing issued transaction electronic certificate between paying party and receiving party | |
| CN111784422A (en) | Data management method, device, storage medium and electronic equipment | |
| CN110992046A (en) | Management method and device for aggregated payment and computer storage medium |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20180413 |
|
| RJ01 | Rejection of invention patent application after publication |