CN108197932A - Method of payment and device based on short code - Google Patents
Method of payment and device based on short code Download PDFInfo
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- CN108197932A CN108197932A CN201810026365.XA CN201810026365A CN108197932A CN 108197932 A CN108197932 A CN 108197932A CN 201810026365 A CN201810026365 A CN 201810026365A CN 108197932 A CN108197932 A CN 108197932A
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- Prior art keywords
- payment
- short code
- user terminal
- data base
- receiving information
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—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
-
- 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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3224—Transactions dependent on location of M-devices
-
- 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
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
The invention discloses a kind of methods of payment and device based on short code.Wherein method includes：The Receiving information generation payment short code provided according to merchant tenninal, stores partitioned data base corresponding to merchant location information by payment short code, payment short code is back to merchant tenninal；The corresponding partitioned data base of payment short code inquiry customer position information provided according to user terminal, obtains the corresponding Receiving information of payment short code of user terminal offer；The payment account number that the corresponding Receiving information of payment short code provided according to user terminal provides user terminal is withholdd, and completes payment.Scheme based on the embodiment of the present invention, short code is paid as evidence for payment, the characteristic propagated since short code being paid to be more convenient for, therefore payment success rate is improved, it overcomes user and pays low success rate of problem caused by the Quick Response Code that scanning merchant tenninal is generated, by the way that Receiving information is stored partitioned data base corresponding to merchant location information, search efficiency and storage capacity are improved.
Description
Technical field
The present invention relates to fields of communication technology, and in particular to a kind of method of payment and device based on short code.
Background technology
With the development of Internet technology, more and more trade companies provide the mode of barcode scannings payment, i.e., trade company gathering with
Corresponding Quick Response Code is printed on card, user is paid by scanning Quick Response Code on paying voucher, in order to prevent payment error,
A large amount of Receiving information is contained inside Quick Response Code, for example, shroff account number, collection amount, gathering reason etc., content information is more
The problem of Quick Response Code for leading to generation is more complicated, and the Quick Response Code discrimination that generally existing merchant tenninal prints now is low, from
And cause payment success rate low.
In the prior art, Receiving information is uniformly stored in a database by payment platform, it is desirable to the number in database
According to being unified standard, in order to avoid repeating, require it is a long code for indicate the character string of Receiving information, and long code is same
Sample there are problems that being not easy to propagate, and with the growth of data volume, very big access and storage pressure will be caused to database
Power.
Invention content
In view of the above problems, it is proposed that the present invention overcomes the above problem in order to provide one kind or solves at least partly
State the method for payment and device based on short code of problem.
According to an aspect of the invention, there is provided a kind of method of payment based on short code, including：
The Receiving information generation payment short code provided according to merchant tenninal, payment short code is stored to merchant location information pair
Payment short code is back to merchant tenninal by the partitioned data base answered；
The corresponding partitioned data base of payment short code inquiry customer position information provided according to user terminal, obtains user's end
The corresponding Receiving information of payment short code provided is provided, wherein, the payment short code that user terminal provides is to be obtained at merchant tenninal
's；
The payment account number that user terminal provides is carried out according to the payment short code corresponding Receiving information that user terminal provides
It withholds, completes payment.
Optionally, the Receiving information generation payment short code provided according to merchant tenninal, payment short code is stored to trade company position
Confidence ceases corresponding partitioned data base and further comprises：
Corresponding partitioned data base is determined according to the merchant location information that merchant tenninal provides, is provided using merchant tenninal
Receiving information generates gathering booking form and pays short code and be stored in the corresponding partitioned data base of merchant location information.
Optionally, the merchant location information provided according to merchant tenninal determines that corresponding partitioned data base further comprises：
Geography fence subregion according to residing for the merchant location information that merchant tenninal provides determines merchant tenninal；
Partitioned data base corresponding with the geography fence subregion is determined according to the partition identification of geography fence subregion.
Optionally, the corresponding partitioned data base of payment short code inquiry customer position information provided according to user terminal, obtains
The corresponding Receiving information of payment short code provided to user terminal further comprises：
The customer position information provided according to user terminal determines corresponding partitioned data base, and is provided according to user terminal
The corresponding partitioned data base of payment short code inquiry customer position information, the corresponding receipts of payment short code of user terminal offer are provided
Money booking form；
The payment account number that user terminal provides is carried out according to the payment short code corresponding Receiving information that user terminal provides
It withholds, completes payment and further comprise：
According to user terminal provide payment short code it is corresponding collect money booking form to the payment account number that user terminal provides into
Row is withholdd, and completes payment.
Optionally, the customer position information provided according to user terminal determines that corresponding partitioned data base further comprises：
Geography fence subregion according to residing for the customer position information that user terminal provides determines user terminal；
Partitioned data base corresponding with the geography fence subregion is determined according to the partition identification of geography fence subregion.
Optionally, gathering booking form includes one or more in following information：Receiving information, order generated time；It receives
Money information includes：Shroff account number, gathering reason, trade company signing ID, collection amount.
Optionally, after generation pays short code, method further includes：The effective time of setting payment short code.
Optionally, the payment provided in the corresponding Receiving information of payment short code provided according to user terminal user terminal
Account is withholdd, and before completing payment, method includes：
Judge whether payment short code is effective according to the effective time of payment short code and order generated time, if so, will look into
The gathering booking form ask is determined as the corresponding gathering booking form of payment short code of user terminal offer.
According to another aspect of the present invention, a kind of method of payment based on short code is provided, including：
The payment request of customer position information, payment short code and payment account number is carried to payment platform transmission, for branch
Platform is paid according to the corresponding partitioned data base of payment short code inquiry customer position information, gets paid the corresponding gathering letter of short code
Breath withholds to payment account number according to the corresponding Receiving information of payment short code, completes payment, and return and carry to user terminal
There is the response message of payment result；
Receive the response message for carrying payment result that payment platform is sent.
Optionally, payment short code is obtained or by scanning the code mark that merchant tenninal provides based on NFC for user terminal
Transfer function obtains at merchant tenninal.
According to another aspect of the present invention, a kind of payment mechanism based on short code is provided, including：
Short code processing module is paid, suitable for the Receiving information generation payment short code provided according to merchant tenninal, will be paid short
Code stores partitioned data base corresponding to merchant location information, and payment short code is back to merchant tenninal；
Enquiry module, suitable for the corresponding partition data of payment short code inquiry customer position information provided according to user terminal
Library obtains the corresponding Receiving information of payment short code of user terminal offer, wherein, the payment short code that user terminal provides is from quotient
It is obtained at the terminal of family；
Payment module, what the corresponding Receiving information of payment short code suitable for being provided according to user terminal provided user terminal
Payment account number is withholdd, and completes payment.
Optionally, payment short code processing module is further adapted for：It is determined according to the merchant location information that merchant tenninal provides
Corresponding partitioned data base, the Receiving information provided using merchant tenninal are generated gathering booking form and pay short code and be stored in quotient
The corresponding partitioned data base of family location information.
Optionally, payment short code processing module is further adapted for：It is determined according to the merchant location information that merchant tenninal provides
Geography fence subregion residing for merchant tenninal；It is determined according to the partition identification of geography fence subregion corresponding with the geography fence subregion
Partitioned data base.
Optionally, enquiry module is further adapted for：Corresponding point is determined according to the customer position information that user terminal provides
Area's database, and according to the corresponding partitioned data base of payment short code inquiry customer position information that user terminal provides, used
The corresponding gathering booking form of payment short code that family terminal provides；
Payment module is further adapted for：The corresponding gathering booking form of payment short code provided according to user terminal is to user's end
The payment account number that end provides is withholdd, and completes payment.
Optionally, enquiry module is further adapted for：User terminal is determined according to the customer position information that user terminal provides
Residing geography fence subregion；The number of partitions corresponding with the geography fence subregion is determined according to the partition identification of geography fence subregion
According to library.
Optionally, gathering booking form includes one or more in following information：Receiving information, order generated time；It receives
Money information includes：Shroff account number, gathering reason, trade company signing ID, collection amount.
Optionally, payment short code processing module is further adapted for：The effective time of setting payment short code.
Optionally, device includes：Judgment module judges suitable for the effective time according to payment short code and order generated time
Whether effective pay short code；
Enquiry module is further adapted for：If it is effective to pay short code, the gathering booking form inquired is determined as user's end
The corresponding gathering booking form of payment short code provided is provided.
According to another aspect of the present invention, a kind of payment mechanism based on short code is provided, including：
Sending module, suitable for carrying the branch of customer position information, payment short code and payment account number to payment platform transmission
Request is paid, so that payment platform is according to the corresponding partitioned data base of payment short code inquiry customer position information, gets paid short code
Corresponding Receiving information withholds to payment account number according to the corresponding Receiving information of payment short code, completes payment, and according to branch
It pays result and returns to the response message that payment result is carried to user terminal return；
Receiving module, suitable for receiving the response message for carrying payment result that payment platform is sent.
Optionally, payment short code is obtained or by scanning the code mark that merchant tenninal provides based on NFC for user terminal
Transfer function obtains at merchant tenninal.
According to another aspect of the invention, a kind of computing device is provided, including：Processor, memory, communication interface and
Communication bus, processor, memory and communication interface complete mutual communication by communication bus；
For memory for storing an at least executable instruction, executable instruction makes processor perform the above-mentioned branch based on short code
Pay the corresponding operation of method.
In accordance with a further aspect of the present invention, a kind of computer storage media is provided, at least one is stored in storage medium
Executable instruction, executable instruction make processor perform such as the corresponding operation of the above-mentioned method of payment based on short code.
According to another aspect of the invention, a kind of computing device is provided, including：Processor, memory, communication interface and
Communication bus, processor, memory and communication interface complete mutual communication by communication bus；
For memory for storing an at least executable instruction, executable instruction makes processor perform the above-mentioned branch based on short code
Pay the corresponding operation of method.
In accordance with a further aspect of the present invention, a kind of computer storage media is provided, at least one is stored in storage medium
Executable instruction, executable instruction make processor perform such as the corresponding operation of the above-mentioned method of payment based on short code.
According to scheme provided by the invention, the Receiving information generation payment short code provided according to merchant tenninal will be paid short
Code stores partitioned data base corresponding to merchant location information, and payment short code is back to merchant tenninal；It is carried according to user terminal
The corresponding partitioned data base of payment short code inquiry customer position information of confession, the payment short code for obtaining user terminal offer are corresponding
Receiving information；The payment account number that user terminal provides is carried out according to the payment short code corresponding Receiving information that user terminal provides
It withholds, completes payment.Scheme based on the embodiment of the present invention, payment short code is as evidence for payment, due to paying short code more
Convenient for the characteristic of propagation, therefore payment success rate is improved, overcome user due to scanning the Quick Response Code that merchant tenninal is generated
The caused low success rate of problem of payment, by the way that Receiving information is stored partitioned data base corresponding to merchant location information, carries
High search efficiency, and also improve storage capacity, when can overcome the Receiving information to be uniformly stored in a database, with
Increasing for Receiving information and the problem of to pressure and big storage pressure is accessed caused by database.
Above description is only the general introduction of technical solution of the present invention, in order to better understand the technological means of the present invention,
And it can be implemented in accordance with the contents of the specification, and in order to allow above and other objects of the present invention, feature and advantage can
It is clearer and more comprehensible, below the special specific embodiment for lifting the present invention.
Description of the drawings
By reading the detailed description of hereafter preferred embodiment, it is various other the advantages of and benefit it is common for this field
Technical staff will become clear.Attached drawing is only used for showing the purpose of preferred embodiment, and is not considered as to the present invention
Limitation.And throughout the drawings, the same reference numbers will be used to refer to the same parts.In the accompanying drawings：
Fig. 1 shows the flow diagram of the method for payment according to an embodiment of the invention based on short code；
Fig. 2 shows the flow diagrams of the method for payment in accordance with another embodiment of the present invention based on short code；
Fig. 3 shows the flow diagram of the method for payment according to an embodiment of the invention based on short code；
Fig. 4 shows the structure journey schematic diagram of the payment mechanism according to an embodiment of the invention based on short code；
Fig. 5 shows the structure journey schematic diagram of the payment mechanism according to an embodiment of the invention based on short code；
Fig. 6 shows a kind of structure diagram of computing device according to an embodiment of the invention；
Fig. 7 shows a kind of structure diagram of computing device according to an embodiment of the invention.
Specific embodiment
The exemplary embodiment of the disclosure is more fully described below with reference to accompanying drawings.Although the disclosure is shown in attached drawing
Exemplary embodiment, it being understood, however, that may be realized in various forms the disclosure without should be by embodiments set forth here
It is limited.On the contrary, these embodiments are provided to facilitate a more thoroughly understanding of the present invention, and can be by the scope of the present disclosure
Completely it is communicated to those skilled in the art.
Fig. 1 shows the flow diagram of the method for payment according to an embodiment of the invention based on short code.Such as Fig. 1 institutes
Show, this method is applied to payment platform, and this method includes the following steps：
Step S100, the Receiving information generation payment short code provided according to merchant tenninal, payment short code is stored to trade company
Payment short code is back to merchant tenninal by the corresponding partitioned data base of location information.
The present embodiment can generate after the Receiving information for getting merchant tenninal offer according to corresponding Receiving information
Short code is paid, payment short code here is for indicating Receiving information, and after generation pays short code, payment short code is stored in phase
In the partitioned data base answered, the payment short code generated is then back to merchant tenninal, so that trade company provides short code is paid
It is paid to user.
Wherein, Receiving information lists various information when trade company collects money to user, for example, shroff account number, gathering reason,
Trade company signing ID, collection amount, are merely illustrative of, here without any restriction effect.
The character string that payment short code can be made of number, letter, character, for the ease of propagating, general setting payment
The digit of short code is 4~6, is merely illustrative of here, without any restriction effect.
Merchant location information can pass through GPS (Global Positioning System, global positioning system), BDS
(BeiDou Navigation Satellite System, Beidou satellite navigation system), LBS (Location Based
Service, based on location-based service) etc. the arbitrary combination of any ways or aforesaid way obtain.
In order to improve search efficiency and storage capacity, the present embodiment is provided with multiple partitioned data bases, each partition data
Receiving information is indicated by the way of unified inside library, the unified mode that may be used between each partitioned data base is marked
Show Receiving information, Receiving information can also be indicated in different ways, be not specifically limited here.Wherein, partition data
Library is that location information closely bound up with location information, different corresponds to different partitioned data bases, here by setting multiple points
Area's database can mitigate database access pressure and storage pressure.
Step S101, the corresponding partitioned data base of payment short code inquiry customer position information provided according to user terminal,
The corresponding Receiving information of payment short code of user terminal offer is provided.
In the present embodiment, the payment short code that user terminal provides is obtained at merchant tenninal, will pay short code
After being back to merchant tenninal, trade company can utilize merchant tenninal to be directly printed upon short code is paid on paying voucher, and be looked into for user
See payment short code and the in the user terminal corresponding payment short code of input；In addition, trade company can also utilize merchant tenninal that will pay
Short code is printed upon with code identification means on paying voucher, and user scans corresponding code mark using user terminal and obtains corresponding branch
Pay short code；Further, it is also possible to using NFC function, payment short code is transmitted to user terminal, user terminal is paid here
The mode of short code is not specifically limited.
The payment short code that user terminal provides is obtained at merchant tenninal, that is to say, that corresponding partition data
Library associated storage Receiving information and corresponding payment short code, therefore, in the payment short code for getting user terminal offer
It later, can be according to the corresponding partitioned data base of payment short code inquiry customer position information that user terminal provides, with from this point
Inquiry obtains Receiving information corresponding with the payment short code that user terminal provides in area's database.
Step S102, the payment that the corresponding Receiving information of payment short code provided according to user terminal provides user terminal
Account is withholdd, and completes payment.
After the corresponding Receiving information of payment short code of user terminal offer is provided, it just can know shroff account number, receive
Therefore the information such as the money amount of money, can provide user terminal according to the corresponding Receiving information of payment short code that user terminal provides
Payment account number withhold, realize and fund gone into shroff account number by payment account number, complete payment.
It is short according to the Receiving information generation payment that merchant tenninal provides according to the method that the above embodiment of the present invention provides
Code, partitioned data base corresponding to merchant location information is stored by payment short code, and payment short code is back to merchant tenninal；According to
The corresponding partitioned data base of payment short code inquiry customer position information that user terminal provides, obtains the payment of user terminal offer
The corresponding Receiving information of short code；User terminal offer is paid according to the payment short code corresponding Receiving information that user terminal provides
Money account is withholdd, and completes payment.Scheme based on the embodiment of the present invention, payment short code as evidence for payment, due to
Payment short code is more convenient for the characteristic propagated, therefore is improved payment success rate, is overcome user because scanning merchant tenninal is generated
Quick Response Code caused by pay low success rate of problem, by the way that Receiving information is stored subregion corresponding to merchant location information
Database improves search efficiency, and also improves storage capacity, and Receiving information can be overcome uniformly to be stored in a data
During library, pressure is accessed caused by database is given with increasing for Receiving information and stores the problem of pressure is big.
Fig. 2 shows the flow diagrams of the method for payment in accordance with another embodiment of the present invention based on short code.Such as Fig. 2
Shown, this method includes the following steps：
Step S200 determines corresponding partitioned data base according to the merchant location information that merchant tenninal provides.
When trade company needs to collect money to user, merchant tenninal can be utilized short to the transmission acquisition payment of merchant tenninal server
Code request, carries merchant location information and Receiving information, merchant tenninal server is receiving merchant tenninal in the request
After the acquisition payment short code request of transmission, corresponding merchant location information and Receiving information are forwarded to payment platform, for branch
It pays platform and payment short code is generated according to Receiving information.
Payment platform can determine after the merchant location information for getting merchant tenninal offer according to merchant location information
Corresponding partitioned data base specifically, may be used following method and determine partitioned data base：The trade company provided according to merchant tenninal
Location information determines the geography fence subregion residing for merchant tenninal, is determined and the geography according to the partition identification of geography fence subregion
The corresponding partitioned data base of fence subregion, wherein, merchant location information is specially based on location service information (LBS information).
Geography fence (Geo-fencing) is a kind of application of LBS, exactly crosses one virtually with a virtual fence
Multiple geography fence subregions are preserved in payment platform in geographical frontier, in the merchant location information for getting merchant tenninal offer
Afterwards, it is thus necessary to determine which geography fence subregion is merchant tenninal is in, if geography fence subregion is circle, can calculate the center of circle
With the distance of the location information of trade company, then it is to judge merchant tenninal according to the relationship of the radius of geography fence subregion and distance
It is no to be in the range of geography fence subregion.If geography fence is polygon, can be to judge merchant tenninal by ray method
It is no to be in the range of geography fence subregion, the determining method of the geography fence subregion residing for determining merchant tenninal is not done have here
Body limits, and those skilled in the art can also select it is determined that method according to actual needs, for example, R tree indexing means.
Each geography fence subregion is corresponding with unique partition identification, and each geography fence subregion corresponds to a number of partitions
It, in the present embodiment can be with geography fence subregion for the ease of determining the corresponding partitioned data base of geography fence subregion according to library
Partition identification name partitioned data base, certainly can also with the partition identification of tabular form associated storage geography fence subregion with
The Database Identification of partitioned data base is convenient for being determined and the geography fence subregion according to the partition identification of geography fence subregion in this way
Corresponding partitioned data base.
Step S201, the Receiving information generation gathering booking form provided using merchant tenninal and payment short code, and branch is set
The effective time of short code is paid, the effective time of booking form of collecting money, payment short code and payment short code is stored in merchant location information
Payment short code is back to merchant tenninal by corresponding partitioned data base.
After the Receiving information for getting merchant tenninal offer, the Receiving information generation that merchant tenninal provides can be utilized to receive
Money booking form and payment short code, wherein, gathering booking form includes one or more in following information：Receiving information, order life
Into the time；Receiving information includes：Shroff account number, gathering reason, trade company signing ID, collection amount.
In the present embodiment, each Receiving information corresponds to a payment short code, makes in order to avoid payment short code is repeated by the user
With either by other different users falsely use and cause damages to trade company or user because it is interim it is busy do not pay due to lead to gathering gold
After volume changes, reuse corresponding payment short code and paid and caused damages to trade company, need exist for short to pay
Code setting effective time, that is to say, that the usage time of each payment short code is conditional, has spent corresponding effective time,
Payment short code will fail, and user can not just recycle the payment short code to complete payment, and it is short to need to regenerate a new payment
Code is paid, in order to avoid there is mistake, it is specified that within effective time in payment, the payment short code that identical characters string represents have and
There are one only.In order to ensure that user can complete to pay, the effective time that can set payment short code here is 2 minutes, certainly
It may be arranged as other time, being merely illustrative of here, without any restriction effect.
After the effective time of setting payment short code, booking form, payment short code and the payment short code of can collecting money have
The effect time is stored in the corresponding partitioned data base of merchant location information, for example, short with booking form of collecting money-payment short code-payment
The form of the effective time of code is stored, and payment short code then is back to merchant tenninal, and specifically, payment platform will be paid
Short code returns to merchant tenninal server, and will pay short code by merchant tenninal server returns to merchant tenninal, then by trade company's end
Payment short code is supplied to user by end.Wherein, payment short code can be directly printed upon on paying voucher by merchant tenninal, alternatively,
Payment short code is printed upon with code identification means on paying voucher, alternatively, will pay short code using NFC function is transmitted to user's end
End, the mode for providing merchant tenninal payment short code here are not specifically limited.
User is by checking the payment short code on evidence for payment and the in the user terminal corresponding payment short code of input；Or
Person scans corresponding code mark using user terminal and obtains corresponding payment short code；Alternatively, it is whole to receive trade company using NFC function
The mode of the payment short code of transmission is held to initiate to pay, for the payment short code as evidence for payment, user terminal, will when being paid
Customer position information, payment short code and payment account number are committed to payment platform, application payment.
Step S202 determines corresponding partitioned data base according to the customer position information that user terminal provides.
Payment platform can determine after the customer position information for getting user terminal offer according to customer position information
Corresponding partitioned data base specifically, may be used following method and determine partitioned data base：The user provided according to user terminal
Location information determines the geography fence subregion residing for user terminal, then, according to the partition identification of geography fence subregion determine with
The corresponding partitioned data base of geography fence subregion, wherein, customer position information is specially that (LBS believes based on location service information
Breath).Due to customer position information with geography fence subregion determined by merchant location information identical, the identified number of partitions
It is identical according to library, it therefore, subsequently can be according to the corresponding number of partitions of payment short code inquiry customer position information that user terminal provides
According to library, the corresponding gathering booking form of payment short code of user terminal offer is obtained.
It is determined in corresponding partitioned data base and step S200 according to merchant location according to customer position information in this step
Information determines that corresponding partitioned data base is similar, and which is not described herein again.
Step S203, the payment short code provided according to user terminal inquire the corresponding partitioned data base of customer position information,
The corresponding gathering booking form of payment short code of user terminal offer is provided.
The payment short code that user terminal provides is obtained at merchant tenninal, that is to say, that corresponding partition data
Library associated storage Receiving information and corresponding payment short code, therefore, in the payment short code for getting user terminal offer
It later, can be according to the corresponding partitioned data base of payment short code inquiry customer position information that user terminal provides, with from this point
Inquiry obtains gathering booking form corresponding with the payment short code that user terminal provides in area's database.
Step S204 judges whether payment short code is effective according to the effective time of payment short code and order generated time, if
It is then to perform step S205；If it is not, then perform step S201.
After the corresponding gathering booking form of payment short code that user terminal offer is provided, it is also necessary to whether determine payment short code
Evidence for payment can be used as, it specifically, can be short to judge to pay according to the effective time of payment short code and order generated time
Whether code is effective, for example, order generated time is 9 days 13 January in 2018:15:00, the effective time for paying short code is 2 minutes,
The short code out-of-service time is then paid as 9 days 13 January in 2018:17:00, if the time that user terminal provides payment short code is 2018
On January 9 13:15:50, then show that payment short code is effective；If the time that user terminal provides payment short code is on January 9th, 2018
13:17:50, then show to pay short code failure.
It is pre- to be determined as the corresponding gathering of payment short code that user terminal provides by step S205 for the gathering booking form inquired
Order.
It is determining that payment short code is effective according to step S204, the gathering booking form inquired is determined as user
The corresponding gathering booking form of payment short code that terminal provides, to carry out subsequent payment.
Step S206, the corresponding gathering booking form of payment short code provided according to user terminal pay user terminal offer
Money account is withholdd, and completes payment.
After the corresponding gathering booking form of payment short code that user terminal offer is provided, gathering account just can be known
Number, the information such as collection amount, therefore, can be according to the corresponding Receiving information of payment short code that user terminal provides to user terminal
The payment account number of offer is withholdd, and realizes fund going to shroff account number by payment account number, payment is completed, in order to examine safely
Consider, can withhold again to payment account number after payment confirmation event is received, realize that fund is transferred to gathering by payment account number
Account.
According to the method that the above embodiment of the present invention provides, payment short code is as evidence for payment, due to paying short code more just
In the characteristic of propagation, therefore payment success rate is improved, overcome user and led due to the Quick Response Code that scanning merchant tenninal is generated
The low success rate of problem of payment of cause, in addition, the order volume in interior single geography fence subregion is limited, Ke Yitong on the same day
Payment short code is crossed to indicate gathering booking form, is indicated without an order long code for taking full payment platform unified；It is logical
Cross and gathering booking form stored into partitioned data base corresponding to merchant location information, the data volume of single partition data library storage compared with
All positions share the data volume of the same database of payment platform, can be a smaller orders of magnitude, reduce inquiry number
According to the access pressure in library, search efficiency is improved, and also improve storage capacity, overcome Receiving information and be uniformly stored in one
During a database, pressure is accessed caused by database is given with increasing for Receiving information and stores the problem of pressure is big.
Fig. 3 shows the flow diagram of the method for payment in accordance with another embodiment of the present invention based on short code.Such as Fig. 3
Shown, this method is applied to user terminal, and this method includes the following steps：
Step S300, the payment that customer position information, payment short code and payment account number are carried to payment platform transmission please
It asks, so that payment platform is according to the corresponding partitioned data base of payment short code inquiry customer position information, gets paid short code correspondence
Receiving information, withholdd according to the corresponding Receiving information of payment short code to payment account number, complete payment, and to user terminal
Return to the response message for carrying payment result.
User is by checking the payment short code on evidence for payment and the in the user terminal corresponding payment short code of input；Or
Person scans corresponding code mark using user terminal and obtains corresponding payment short code；Alternatively, it is whole to receive trade company using NFC function
The mode of the payment short code of transmission is held to initiate to pay, for the payment short code as evidence for payment, user terminal, will when being paid
Customer position information, payment short code and payment account number are committed to payment platform, application payment.
Payment platform is after payment request is received, according to the corresponding partition data of payment short code inquiry customer position information
Library gets paid the corresponding Receiving information of short code, is withholdd according to the corresponding Receiving information of payment short code to payment account number, complete
Into payment, and the response message for carrying payment result is returned to user terminal, wherein payment result is pays successfully or pay
Failure.
Step S301 receives the response message for carrying payment result that payment platform is sent.
According to the method that the above embodiment of the present invention provides, user terminal is based on payment short code and is paid, and improves branch
Success rate is paid, user is overcome and pays low success rate of problem caused by the Quick Response Code that scanning merchant tenninal is generated.
Fig. 4 shows the structure journey schematic diagram of the payment mechanism according to an embodiment of the invention based on short code.Such as Fig. 4
Shown, which includes：Pay short code processing module 410, enquiry module 420, payment module 430.
Short code processing module 410 is paid, suitable for the Receiving information generation payment short code provided according to merchant tenninal, will be paid
Short code stores partitioned data base corresponding to merchant location information, and payment short code is back to merchant tenninal.
Enquiry module 420, suitable for the corresponding subregion of payment short code inquiry customer position information provided according to user terminal
Database obtains the corresponding Receiving information of payment short code of user terminal offer, wherein, the payment short code that user terminal provides is
It is obtained at merchant tenninal.
Payment module 430, the corresponding Receiving information of payment short code suitable for being provided according to user terminal carry user terminal
The payment account number of confession is withholdd, and completes payment.
Optionally, payment short code processing module 410 is further adapted for：It is true according to the merchant location information that merchant tenninal provides
Fixed corresponding partitioned data base, the Receiving information generation gathering booking form and payment short code provided using merchant tenninal are simultaneously stored in
The corresponding partitioned data base of merchant location information.
Optionally, payment short code processing module 410 is further adapted for：It is true according to the merchant location information that merchant tenninal provides
Determine the geography fence subregion residing for merchant tenninal；It is determined and the geography fence subregion pair according to the partition identification of geography fence subregion
The partitioned data base answered.
Optionally, enquiry module 420 is further adapted for：The customer position information provided according to user terminal determines corresponding
Partitioned data base, and according to the corresponding partitioned data base of payment short code inquiry customer position information that user terminal provides, obtain
The corresponding gathering booking form of payment short code that user terminal provides；
Payment module 430 is further adapted for：According to user terminal provide payment short code it is corresponding gathering booking form to
The payment account number that family terminal provides is withholdd, and completes payment.
Optionally, enquiry module 420 is further adapted for：The customer position information provided according to user terminal determines user's end
The residing geography fence subregion in end；Subregion corresponding with the geography fence subregion is determined according to the partition identification of geography fence subregion
Database.
Optionally, gathering booking form includes one or more in following information：Receiving information, order generated time；It receives
Money information includes：Shroff account number, gathering reason, trade company signing ID, collection amount.
Optionally, payment short code processing module 410 is further adapted for：The effective time of setting payment short code.
Optionally, device includes：Judgment module 440, suitable for according to the payment effective time of short code and order generated time
Judge whether payment short code is effective；
Enquiry module 420 is further adapted for：If it is effective to pay short code, the gathering booking form inquired is determined as user
The corresponding gathering booking form of payment short code that terminal provides.
It is short according to the Receiving information generation payment that merchant tenninal provides according to the device that the above embodiment of the present invention provides
Code, partitioned data base corresponding to merchant location information is stored by payment short code, and payment short code is back to merchant tenninal；According to
The corresponding partitioned data base of payment short code inquiry customer position information that user terminal provides, obtains the payment of user terminal offer
The corresponding Receiving information of short code；User terminal offer is paid according to the payment short code corresponding Receiving information that user terminal provides
Money account is withholdd, and completes payment.Scheme based on the embodiment of the present invention, payment short code as evidence for payment, due to
Payment short code is more convenient for the characteristic propagated, therefore is improved payment success rate, is overcome user because scanning merchant tenninal is generated
Quick Response Code caused by pay low success rate of problem, by the way that Receiving information is stored subregion corresponding to merchant location information
Database improves search efficiency, and also improves storage capacity, and Receiving information can be overcome uniformly to be stored in a data
During library, pressure is accessed caused by database is given with increasing for Receiving information and stores the problem of pressure is big.
Fig. 5 shows the structure journey schematic diagram of the payment mechanism according to an embodiment of the invention based on short code.Such as Fig. 5
Shown, which includes：Sending module 510, receiving module 520.
Sending module 510, suitable for carrying customer position information, payment short code and payment account number to payment platform transmission
Payment request so that payment platform is according to the corresponding partitioned data base of payment short code inquiry customer position information, is got paid short
The corresponding Receiving information of code withholds to payment account number according to the corresponding Receiving information of payment short code, completes to pay, and according to
Payment result returns to the response message that payment result is carried to user terminal return.
Receiving module 520, suitable for receiving the response message for carrying payment result that payment platform is sent.
Optionally, payment short code is obtained or by scanning the code mark that merchant tenninal provides based on NFC for user terminal
Transfer function obtains at merchant tenninal.
According to the device that the above embodiment of the present invention provides, user terminal is based on payment short code and is paid, and improves branch
Success rate is paid, user is overcome and pays low success rate of problem caused by the Quick Response Code that scanning merchant tenninal is generated.
Method of payment and device provided in an embodiment of the present invention based on short code can be applied not only to Car park payment, may be used also
To be applied to the scene that other are charged using merchant tenninal to user, such as market supermarket charge etc., do not do here specific
It limits.
The embodiment of the present application additionally provides a kind of nonvolatile computer storage media, computer storage media be stored with to
A few executable instruction, the computer executable instructions can perform the payer based on short code in above-mentioned any means embodiment
Method.
Fig. 6 shows a kind of structure diagram of computing device according to an embodiment of the invention, and the present invention is specific real
Example is applied not limit the specific implementation of computing device.
As shown in fig. 6, the computing device can include：Processor (processor) 602, communication interface
(Communications Interface) 604, memory (memory) 606 and communication bus 608.
Wherein：
Processor 602, communication interface 604 and memory 606 complete mutual communication by communication bus 608.
Communication interface 604, for communicating with the network element of miscellaneous equipment such as client or other servers etc..
Processor 602 for performing program 610, can be specifically performed in the above-mentioned method of payment embodiment based on short code
Correlation step.
Specifically, program 610 can include program code, which includes computer-managed instruction.
Processor 602 may be central processor CPU or specific integrated circuit ASIC (Application
Specific Integrated Circuit) or be arranged to implement the embodiment of the present invention one or more integrate electricity
Road.The one or more processors that computing device includes can be same type of processor, such as one or more CPU；Also may be used
To be different types of processor, such as one or more CPU and one or more ASIC.
Memory 606, for storing program 610.Memory 606 may include high-speed RAM memory, it is also possible to further include
Nonvolatile memory (non-volatile memory), for example, at least a magnetic disk storage.
Program 610 specifically can be used for so that processor 602 perform in above-mentioned any means embodiment based on short code
Method of payment.The specific implementation of each step may refer to the corresponding step in the above-mentioned payment embodiment based on short code in program 610
Corresponding description in rapid and unit, this will not be repeated here.It is apparent to those skilled in the art that the side for description
Just and succinctly, the specific work process of the equipment of foregoing description and module can refer to corresponding in preceding method embodiment
Journey describes, and details are not described herein.
The embodiment of the present application additionally provides a kind of nonvolatile computer storage media, computer storage media be stored with to
A few executable instruction, the computer executable instructions can perform the payer based on short code in above-mentioned any means embodiment
Method.
Fig. 7 shows a kind of structure diagram of computing device according to an embodiment of the invention, and the present invention is specific real
Example is applied not limit the specific implementation of computing device.
As shown in fig. 7, the computing device can include：Processor (processor) 702, communication interface
(Communications Interface) 704, memory (memory) 706 and communication bus 708.
Wherein：
Processor 702, communication interface 704 and memory 706 complete mutual communication by communication bus 708.
Communication interface 704, for communicating with the network element of miscellaneous equipment such as client or other servers etc..
Processor 702 for performing program 710, can be specifically performed in the above-mentioned method of payment embodiment based on short code
Correlation step.
Specifically, program 710 can include program code, which includes computer-managed instruction.
Processor 702 may be central processor CPU or specific integrated circuit ASIC (Application
Specific Integrated Circuit) or be arranged to implement the embodiment of the present invention one or more integrate electricity
Road.The one or more processors that computing device includes can be same type of processor, such as one or more CPU；Also may be used
To be different types of processor, such as one or more CPU and one or more ASIC.
Memory 706, for storing program 710.Memory 706 may include high-speed RAM memory, it is also possible to further include
Nonvolatile memory (non-volatile memory), for example, at least a magnetic disk storage.
Program 710 specifically can be used for so that processor 702 perform in above-mentioned any means embodiment based on short code
Method of payment.The specific implementation of each step may refer to the corresponding step in the above-mentioned payment embodiment based on short code in program 710
Corresponding description in rapid and unit, this will not be repeated here.It is apparent to those skilled in the art that the side for description
Just and succinctly, the specific work process of the equipment of foregoing description and module can refer to corresponding in preceding method embodiment
Journey describes, and details are not described herein.
Algorithm and display be not inherently related to any certain computer, virtual system or miscellaneous equipment provided herein.
Various general-purpose systems can also be used together with teaching based on this.As described above, required by constructing this kind of system
Structure be obvious.In addition, the present invention is not also directed to any certain programmed language.It should be understood that it can utilize various
Programming language realizes the content of invention described herein, and the description done above to language-specific is to disclose this hair
Bright preferred forms.
In the specification provided in this place, numerous specific details are set forth.It is to be appreciated, however, that the implementation of the present invention
Example can be put into practice without these specific details.In some instances, well known method, structure is not been shown in detail
And technology, so as not to obscure the understanding of this description.
Similarly, it should be understood that in order to simplify the disclosure and help to understand one or more of each inventive aspect,
Above in the description of exemplary embodiment of the present invention, each feature of the invention is grouped together into single implementation sometimes
In example, figure or descriptions thereof.However, the method for the disclosure should be construed to reflect following intention：I.e. required guarantor
Shield the present invention claims the more features of feature than being expressly recited in each claim.More precisely, as following
Claims reflect as, inventive aspect is all features less than single embodiment disclosed above.Therefore,
Thus the claims for following specific embodiment are expressly incorporated in the specific embodiment, wherein each claim is in itself
Separate embodiments all as the present invention.
Those skilled in the art, which are appreciated that, to carry out adaptively the module in the equipment in embodiment
Change and they are arranged in one or more equipment different from the embodiment.It can be the module or list in embodiment
Member or component be combined into a module or unit or component and can be divided into addition multiple submodule or subelement or
Sub-component.Other than such feature and/or at least some of process or unit exclude each other, it may be used any
Combination is disclosed to all features disclosed in this specification (including adjoint claim, abstract and attached drawing) and so to appoint
Where all processes or unit of method or equipment are combined.Unless expressly stated otherwise, this specification is (including adjoint power
Profit requirement, abstract and attached drawing) disclosed in each feature can be by providing the alternative features of identical, equivalent or similar purpose come generation
It replaces.
In addition, it will be appreciated by those of skill in the art that although some embodiments described herein include other embodiments
In included certain features rather than other feature, but the combination of the feature of different embodiments means in of the invention
Within the scope of and form different embodiments.For example, in the following claims, embodiment claimed is appointed
One of meaning mode can use in any combination.
The all parts embodiment of the present invention can be with hardware realization or to be run on one or more processor
Software module realize or realized with combination thereof.It will be understood by those of skill in the art that it can use in practice
Microprocessor or digital signal processor (DSP) are realized in the payment devices according to embodiments of the present invention based on short code
The some or all functions of some or all components.The present invention is also implemented as performing method as described herein
Some or all equipment or program of device (for example, computer program and computer program product).Such reality
The program of the existing present invention can may be stored on the computer-readable medium or can have the form of one or more signal.
Such signal can be downloaded from internet website to be obtained either providing or in the form of any other on carrier signal
It provides.
It should be noted that the present invention will be described rather than limits the invention, and ability for above-described embodiment
Field technique personnel can design alternative embodiment without departing from the scope of the appended claims.In the claims,
Any reference mark between bracket should not be configured to limitations on claims.Word "comprising" does not exclude the presence of not
Element or step listed in the claims.Word "a" or "an" before element does not exclude the presence of multiple such
Element.The present invention can be by means of including the hardware of several different elements and being come by means of properly programmed computer real
It is existing.If in the unit claim for listing equipment for drying, several in these devices can be by same hardware branch
To embody.The use of word first, second, and third does not indicate that any sequence.These words can be explained and run after fame
Claim.
Claims (10)
1. a kind of method of payment based on short code, including：
The Receiving information generation payment short code provided according to merchant tenninal, payment short code is stored corresponding to merchant location information
The payment short code is back to the merchant tenninal by partitioned data base；
The corresponding partitioned data base of payment short code inquiry customer position information provided according to user terminal, it is whole to obtain the user
The corresponding Receiving information of payment short code provided is provided, wherein, the payment short code that the user terminal provides is from trade company end
It is obtained at end；
The payment account number that user terminal provides is carried out according to the payment short code corresponding Receiving information that the user terminal provides
It withholds, completes payment.
2. according to the method described in claim 1, wherein, the Receiving information generation payment provided according to merchant tenninal is short
Payment short code is stored to the corresponding partitioned data base of merchant location information and further comprised by code：
Corresponding partitioned data base is determined according to the merchant location information that merchant tenninal provides, the gathering provided using merchant tenninal
Information generates gathering booking form and pays short code and be stored in the corresponding partitioned data base of the merchant location information.
3. according to the method described in claim 2, wherein, the merchant location information provided according to merchant tenninal determines to correspond to
Partitioned data base further comprise：
Geography fence subregion according to residing for the merchant location information that merchant tenninal provides determines merchant tenninal；
Partitioned data base corresponding with the geography fence subregion is determined according to the partition identification of the geography fence subregion.
4. a kind of method of payment based on short code, including：
The payment request of customer position information, payment short code and payment account number is carried to payment platform transmission, for the branch
Platform is paid according to the corresponding partitioned data base of the payment short code inquiry customer position information, it is corresponding to obtain the payment short code
Receiving information withholds to the payment account number according to the corresponding Receiving information of the payment short code, completes payment, and to
Family terminal return carries the response message of payment result；
Receive the response message for carrying payment result that payment platform is sent.
5. a kind of payment mechanism based on short code, including：
Short code processing module is paid, suitable for the Receiving information generation payment short code provided according to merchant tenninal, payment short code is deposited
The payment short code is back to the merchant tenninal by storage to the corresponding partitioned data base of merchant location information；
Enquiry module, the payment short code suitable for being provided according to user terminal inquire the corresponding partitioned data base of customer position information,
Obtain the corresponding Receiving information of payment short code that the user terminal provides, wherein, the payment short code that user terminal provides be from
It is obtained at the merchant tenninal；
Payment module, what the corresponding Receiving information of payment short code suitable for being provided according to the user terminal provided user terminal
Payment account number is withholdd, and completes payment.
6. a kind of payment mechanism based on short code, including：
Sending module, the payment suitable for carrying customer position information, payment short code and payment account number to payment platform transmission please
It asks, so that the payment platform is according to the corresponding partitioned data base of the payment short code inquiry customer position information, obtains described
The corresponding Receiving information of short code is paid, is withholdd according to the corresponding Receiving information of the payment short code to the payment account number,
Payment is completed, and the response message that payment result is carried to user terminal return is returned according to payment result；
Receiving module, suitable for receiving the response message for carrying payment result that the payment platform is sent.
7. a kind of computing device, including：Processor, memory, communication interface and communication bus, the processor, the storage
Device and the communication interface complete mutual communication by the communication bus；
For the memory for storing an at least executable instruction, the executable instruction makes the processor perform right such as will
Ask the corresponding operation of the method for payment based on short code described in any one of 1-3.
8. a kind of computer storage media, an at least executable instruction, the executable instruction are stored in the storage medium
Processor is made to perform the corresponding operation of the method for payment based on short code as described in any one of claim 1-3.
9. a kind of computing device, including：Processor, memory, communication interface and communication bus, the processor, the storage
Device and the communication interface complete mutual communication by the communication bus；
For the memory for storing an at least executable instruction, the executable instruction makes the processor perform right such as will
Ask the corresponding operation of the method for payment based on short code described in 4.
10. a kind of computer storage media, an at least executable instruction, the executable instruction are stored in the storage medium
Processor is made to perform the corresponding operation of method of payment as claimed in claim 4 based on short code.
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