CN108197932B - Payment method and device based on short code - Google Patents
Payment method and device based on short code Download PDFInfo
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- CN108197932B CN108197932B CN201810026365.XA CN201810026365A CN108197932B CN 108197932 B CN108197932 B CN 108197932B CN 201810026365 A CN201810026365 A CN 201810026365A CN 108197932 B CN108197932 B CN 108197932B
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- 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
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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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3224—Transactions dependent on location of M-devices
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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
- G06Q20/3278—RFID or NFC payments by means of M-devices
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Abstract
The invention discloses a payment method and device based on short codes. The method comprises the following steps: generating a payment short code according to the payment receiving information provided by the merchant terminal, storing the payment short code to a partition database corresponding to the merchant position information, and returning the payment short code to the merchant terminal; inquiring a subarea database corresponding to the user position information according to the payment short code provided by the user terminal to obtain the collection information corresponding to the payment short code provided by the user terminal; and deducting the payment account number provided by the user terminal according to the collection information corresponding to the payment short code provided by the user terminal to complete payment. Based on the scheme provided by the embodiment of the invention, the payment short code is used as the payment voucher, and the payment short code is more convenient to propagate, so that the payment success rate is improved, the problem of low payment success rate caused by scanning the two-dimensional code generated by a merchant terminal by a user is solved, and the query efficiency and the storage capacity are improved by storing the payment information in the partition database corresponding to the merchant position information.
Description
Technical Field
The invention relates to the technical field of communication, in particular to a payment method and device based on short codes.
Background
With the development of internet technology, more and more merchants provide a code scanning payment mode, that is, merchants print corresponding two-dimensional codes on a collection voucher, and a user performs payment by scanning the two-dimensional codes on the collection voucher.
In the prior art, a payment platform uniformly stores collection information in a database, so that the data in the database is required to be in a uniform standard, in order to avoid repetition, a character string for marking the collection information is required to be a long code, the long code also has the problem of inconvenience in propagation, and along with the increase of data volume, great access and storage pressure is caused on the database.
Disclosure of Invention
In view of the above, the present invention has been made to provide a short code based payment method and apparatus that overcomes or at least partially solves the above problems.
According to an aspect of the present invention, there is provided a short code-based payment method, including:
generating a payment short code according to the payment receiving information provided by the merchant terminal, storing the payment short code to a partition database corresponding to the merchant position information, and returning the payment short code to the merchant terminal;
inquiring a subarea database corresponding to the user position information according to the payment short code provided by the user terminal to obtain the collection information corresponding to the payment short code provided by the user terminal, wherein the payment short code provided by the user terminal is obtained from the merchant terminal;
and deducting the payment account number provided by the user terminal according to the collection information corresponding to the payment short code provided by the user terminal to complete payment.
Optionally, generating a payment short code according to the payment information provided by the merchant terminal, and storing the payment short code in a partition database corresponding to the merchant location information further includes:
and determining a corresponding partition database according to the merchant position information provided by the merchant terminal, generating a payment prearranged order and a payment short code by utilizing the payment information provided by the merchant terminal, and storing the payment prearranged order and the payment short code in the partition database corresponding to the merchant position information.
Optionally, determining the corresponding partition database according to the merchant location information provided by the merchant terminal further includes:
determining a geo-fence partition where a merchant terminal is located according to merchant position information provided by the merchant terminal;
and determining a partition database corresponding to the geo-fence partition according to the partition identification of the geo-fence partition.
Optionally, the querying, according to the payment short code provided by the user terminal, the partition database corresponding to the user location information to obtain the payment information corresponding to the payment short code provided by the user terminal further includes:
determining a corresponding subarea database according to the user position information provided by the user terminal, and inquiring the subarea database corresponding to the user position information according to the payment short code provided by the user terminal to obtain a collection order corresponding to the payment short code provided by the user terminal;
deducting the payment account number provided by the user terminal according to the collection information corresponding to the payment short code provided by the user terminal, and completing the payment further comprises the following steps:
and deducting the payment account number provided by the user terminal according to the collection reservation sheet corresponding to the payment short code provided by the user terminal to complete payment.
Optionally, determining the corresponding partition database according to the user location information provided by the user terminal further includes:
determining a geo-fence partition where the user terminal is located according to user location information provided by the user terminal;
and determining a partition database corresponding to the geo-fence partition according to the partition identification of the geo-fence partition.
Optionally, the checkout pre-order includes one or more of the following information: collection information and order generation time; the collection information includes: a collection account number, a collection reason, a merchant contract ID and a collection amount.
Optionally, after generating the payment short code, the method further comprises: and setting the effective time of the payment short code.
Optionally, before deducting a payment account provided by the user terminal according to the collection information corresponding to the payment short code provided by the user terminal and completing the payment, the method includes:
and judging whether the payment short code is valid according to the valid time of the payment short code and the order generation time, and if so, determining the inquired collection order form as a collection order form corresponding to the payment short code provided by the user terminal.
According to another aspect of the present invention, there is provided a short code-based payment method, including:
sending a payment request carrying the user position information, the payment short code and the payment account number to a payment platform, so that the payment platform queries a partition database corresponding to the user position information according to the payment short code to obtain collection information corresponding to the payment short code, deducts the payment account number according to the collection information corresponding to the payment short code to complete payment, and returns a response message carrying a payment result to the user terminal;
and receiving a response message which is sent by the payment platform and carries the payment result.
Optionally, the payment short code is obtained by scanning a code identifier provided by the merchant terminal for the user terminal or is obtained from the merchant terminal based on an NFC transmission function.
According to another aspect of the present invention, there is provided a short code-based payment apparatus including:
the payment short code processing module is suitable for generating a payment short code according to the payment receiving information provided by the merchant terminal, storing the payment short code to a partition database corresponding to the merchant position information and returning the payment short code to the merchant terminal;
the inquiry module is suitable for inquiring the subarea database corresponding to the user position information according to the payment short code provided by the user terminal to obtain the collection information corresponding to the payment short code provided by the user terminal, wherein the payment short code provided by the user terminal is obtained from the merchant terminal;
and the payment module is suitable for deducting the payment account number provided by the user terminal according to the collection information corresponding to the payment short code provided by the user terminal so as to complete payment.
Optionally, the payment short code processing module is further adapted to: and determining a corresponding partition database according to the merchant position information provided by the merchant terminal, generating a payment prearranged order and a payment short code by utilizing the payment information provided by the merchant terminal, and storing the payment prearranged order and the payment short code in the partition database corresponding to the merchant position information.
Optionally, the payment short code processing module is further adapted to: determining a geo-fence partition where a merchant terminal is located according to merchant position information provided by the merchant terminal; and determining a partition database corresponding to the geo-fence partition according to the partition identification of the geo-fence partition.
Optionally, the query module is further adapted to: determining a corresponding subarea database according to the user position information provided by the user terminal, and inquiring the subarea database corresponding to the user position information according to the payment short code provided by the user terminal to obtain a collection order corresponding to the payment short code provided by the user terminal;
the payment module is further adapted to: and deducting the payment account number provided by the user terminal according to the collection reservation sheet corresponding to the payment short code provided by the user terminal to complete payment.
Optionally, the query module is further adapted to: determining a geo-fence partition where the user terminal is located according to user location information provided by the user terminal; and determining a partition database corresponding to the geo-fence partition according to the partition identification of the geo-fence partition.
Optionally, the checkout pre-order includes one or more of the following information: collection information and order generation time; the collection information includes: a collection account number, a collection reason, a merchant contract ID and a collection amount.
Optionally, the payment short code processing module is further adapted to: and setting the effective time of the payment short code.
Optionally, the apparatus comprises: the judging module is suitable for judging whether the payment short code is valid according to the valid time of the payment short code and the order generating time;
the query module is further adapted to: and if the payment short code is valid, determining the inquired collection order as the collection order corresponding to the payment short code provided by the user terminal.
According to another aspect of the present invention, there is provided a short code-based payment apparatus including:
the sending module is suitable for sending a payment request carrying the user position information, the payment short code and the payment account number to the payment platform, so that the payment platform can inquire the subarea database corresponding to the user position information according to the payment short code to obtain the collection information corresponding to the payment short code, deduct the payment account number according to the collection information corresponding to the payment short code to complete payment, and return a response message carrying a payment result to the user terminal according to the payment result;
and the receiving module is suitable for receiving a response message which is sent by the payment platform and carries the payment result.
Optionally, the payment short code is obtained by scanning a code identifier provided by the merchant terminal for the user terminal or is obtained from the merchant terminal based on an NFC transmission function.
According to yet another aspect of the present invention, there is provided a computing device comprising: the processor, the memory and the communication interface complete mutual communication through the communication bus;
the memory is used for storing at least one executable instruction, and the executable instruction enables the processor to execute the operation corresponding to the payment method based on the short codes.
According to still another aspect of the present invention, there is provided a computer storage medium having at least one executable instruction stored therein, the executable instruction causing a processor to perform operations corresponding to the short code based payment method as described above.
According to yet another aspect of the present invention, there is provided a computing device comprising: the processor, the memory and the communication interface complete mutual communication through the communication bus;
the memory is used for storing at least one executable instruction, and the executable instruction enables the processor to execute the operation corresponding to the payment method based on the short codes.
According to still another aspect of the present invention, there is provided a computer storage medium having at least one executable instruction stored therein, the executable instruction causing a processor to perform operations corresponding to the short code based payment method as described above.
According to the scheme provided by the invention, a payment short code is generated according to the collection information provided by the merchant terminal, the payment short code is stored in a partition database corresponding to the merchant position information, and the payment short code is returned to the merchant terminal; inquiring a subarea database corresponding to the user position information according to the payment short code provided by the user terminal to obtain the collection information corresponding to the payment short code provided by the user terminal; and deducting the payment account number provided by the user terminal according to the collection information corresponding to the payment short code provided by the user terminal to complete payment. Based on the scheme provided by the embodiment of the invention, the payment short code is used as the payment voucher, and due to the characteristic that the payment short code is more convenient to spread, the payment success rate is improved, the problem of low payment success rate caused by scanning the two-dimensional code generated by a merchant terminal by a user is solved, the query efficiency is improved by storing the payment information into the partition database corresponding to the merchant position information, the storage capacity is improved, and the problem of high access pressure and storage pressure caused to the database along with the increase of the payment information when the payment information is uniformly stored in one database can be solved.
The foregoing description is only an overview of the technical solutions of the present invention, and the embodiments of the present invention are described below in order to make the technical means of the present invention more clearly understood and to make the above and other objects, features, and advantages of the present invention more clearly understandable.
Drawings
Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the invention. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:
FIG. 1 shows a schematic flow diagram of a short code based payment method according to one embodiment of the invention;
FIG. 2 shows a schematic flow diagram of a short code based payment method according to another embodiment of the invention;
FIG. 3 shows a schematic flow diagram of a short code based payment method according to one embodiment of the invention;
FIG. 4 shows a schematic structural diagram of a short code based payment device according to one embodiment of the invention;
FIG. 5 shows a schematic structural diagram of a short code based payment device according to one embodiment of the invention;
FIG. 6 illustrates a schematic structural diagram of a computing device in accordance with one embodiment of the present invention;
FIG. 7 illustrates a block diagram of a computing device, according to one embodiment of the invention.
Detailed Description
Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
Fig. 1 shows a flow diagram of a short code based payment method according to an embodiment of the invention. As shown in fig. 1, the method is applied to a payment platform, and comprises the following steps:
and S100, generating a payment short code according to the payment receiving information provided by the merchant terminal, storing the payment short code in a partition database corresponding to the merchant position information, and returning the payment short code to the merchant terminal.
In this embodiment, after the payment information provided by the merchant terminal is acquired, a payment short code may be generated according to the corresponding payment information, where the payment short code is used to indicate the payment information, and after the payment short code is generated, the payment short code is stored in the corresponding partition database, and then the generated payment short code is returned to the merchant terminal, so that the merchant provides the payment short code for the user to pay.
The payment information includes various information of the user received by the merchant, such as a payment account number, a payment reason, a merchant contract ID, and a payment amount, which are only examples and are not limited.
The payment short code can be a character string composed of numbers, letters and characters, and for convenience of propagation, the number of digits of the payment short code is generally set to be 4-6, which is only an example and does not have any limiting function.
The merchant position information may be obtained by any mode or any combination of the modes, such as a GPS (Global Positioning System), a BDS (BeiDou Navigation Satellite System), an LBS (Location Based Service), and the like.
In order to improve the query efficiency and the storage capacity, in this embodiment, a plurality of partition databases are provided, the inside of each partition database is marked with the collection information in a unified manner, the collection information may be marked in a unified manner among the partition databases, or the collection information may be marked in different manners, which is not limited specifically here. The subarea database is related to position information, different position information corresponds to different subarea databases, and the access pressure and the storage pressure of the database can be relieved by arranging a plurality of subarea databases.
And step S101, inquiring a subarea database corresponding to the user position information according to the payment short code provided by the user terminal to obtain the collection information corresponding to the payment short code provided by the user terminal.
In this embodiment, the payment short code provided by the user terminal is obtained from the merchant terminal, and after the payment short code is returned to the merchant terminal, the merchant can directly print the payment short code on the payment receipt by using the merchant terminal, so that the user can check the payment short code and input the corresponding payment short code into the user terminal; in addition, the merchant can also utilize the merchant terminal to print the payment short code on the payment voucher in a code identification mode, and the user utilizes the user terminal to scan the corresponding code identification to obtain the corresponding payment short code; in addition, the payment short code may also be transmitted to the user terminal by using an NFC function, where the manner in which the user terminal obtains the payment short code is not specifically limited.
The payment short code provided by the user terminal is obtained from the merchant terminal, that is, the corresponding partition database stores the collection information and the corresponding payment short code in association, so that after the payment short code provided by the user terminal is obtained, the partition database corresponding to the user position information can be inquired according to the payment short code provided by the user terminal, so that the collection information corresponding to the payment short code provided by the user terminal can be inquired from the partition database.
And S102, deducting the payment account number provided by the user terminal according to the collection information corresponding to the payment short code provided by the user terminal, and completing payment.
After the collection information corresponding to the payment short code provided by the user terminal is obtained, the information such as the collection account number and the collection amount can be obtained, so that the payment account number provided by the user terminal can be deducted according to the collection information corresponding to the payment short code provided by the user terminal, and the payment is completed by transferring the money from the payment account number to the collection account number.
According to the method provided by the embodiment of the invention, the payment short code is generated according to the payment receiving information provided by the merchant terminal, the payment short code is stored in the partition database corresponding to the merchant position information, and the payment short code is returned to the merchant terminal; inquiring a subarea database corresponding to the user position information according to the payment short code provided by the user terminal to obtain the collection information corresponding to the payment short code provided by the user terminal; and deducting the payment account number provided by the user terminal according to the collection information corresponding to the payment short code provided by the user terminal to complete payment. Based on the scheme provided by the embodiment of the invention, the payment short code is used as the payment voucher, and due to the characteristic that the payment short code is more convenient to spread, the payment success rate is improved, the problem of low payment success rate caused by scanning the two-dimensional code generated by a merchant terminal by a user is solved, the query efficiency is improved by storing the payment information into the partition database corresponding to the merchant position information, the storage capacity is improved, and the problem of high access pressure and storage pressure caused to the database along with the increase of the payment information when the payment information is uniformly stored in one database can be solved.
Fig. 2 shows a flow diagram of a short code based payment method according to another embodiment of the invention. As shown in fig. 2, the method comprises the steps of:
step S200, determining a corresponding subarea database according to the merchant position information provided by the merchant terminal.
When a merchant needs to collect money from a user, a request for obtaining the payment short code can be sent to a merchant terminal server by using a merchant terminal, the request carries merchant position information and money collection information, and after the merchant terminal server receives the request for obtaining the payment short code sent by the merchant terminal, the merchant terminal server forwards the corresponding merchant position information and the money collection information to a payment platform, so that the payment platform generates the payment short code according to the money collection information.
After obtaining the merchant position information provided by the merchant terminal, the payment platform may determine the corresponding partition database according to the merchant position information, specifically, the partition database may be determined by the following method: determining a geo-fence partition where the merchant terminal is located according to merchant position information provided by the merchant terminal, and determining a partition database corresponding to the geo-fence partition according to a partition identifier of the geo-fence partition, wherein the merchant position information is specifically based on position based service information (LBS information).
A Geo-fencing (Geo-fencing) is an application of LBS, namely a virtual fence is used for enclosing a virtual geographic boundary, a plurality of Geo-fencing subareas are stored in a payment platform, after merchant position information provided by a merchant terminal is obtained, the location of the merchant terminal in which Geo-fencing subarea needs to be determined, if the Geo-fencing subarea is circular, the distance between the circle center and the merchant position information can be calculated, and then whether the merchant terminal is located in the range of the Geo-fencing subarea or not is judged according to the relation between the radius and the distance of the Geo-fencing subarea. If the geo-fence is a polygon, it may be determined whether the merchant terminal is within the range of the geo-fence partition by a ray method, where the determination method for determining the geo-fence partition where the merchant terminal is located is not specifically limited, and a person skilled in the art may also select another determination method according to actual needs, for example, an R-tree indexing method.
Each geofence partition corresponds to a unique partition identifier, and each geofence partition corresponds to a partition database, and in order to facilitate determining the partition database corresponding to the geofence partition, in this embodiment, the partition database may be named by the partition identifier of the geofence partition, and certainly, the partition identifier of the geofence partition and the database identifier of the partition database may be stored in a list form in an associated manner, so that the partition database corresponding to the geofence partition is determined according to the partition identifier of the geofence partition.
Step S201, generating a collection order and a payment short code by using collection information provided by the merchant terminal, setting effective time of the payment short code, storing the collection order, the payment short code and the effective time of the payment short code in a partition database corresponding to the merchant location information, and returning the payment short code to the merchant terminal.
After the payment information provided by the merchant terminal is acquired, a payment due order and a payment short code can be generated by utilizing the payment information provided by the merchant terminal, wherein the payment due order comprises one or more of the following information: collection information and order generation time; the collection information includes: a collection account number, a collection reason, a merchant contract ID and a collection amount.
In this embodiment, each piece of payment information corresponds to a payment short code, in order to avoid that the payment short code is repeatedly used by a user or falsely used by other different users to cause loss to a merchant, or after the amount of money received by the user changes due to temporary non-payment, the user uses the corresponding payment short code again to pay to cause loss to the merchant, effective time needs to be set for the payment short code, that is, the use time of each payment short code is limited, and after the corresponding effective time, the payment short code is invalid, the user cannot use the payment short code to complete payment, and needs to regenerate a new payment short code to pay. In order to ensure that the user can complete the payment, the effective time of the payment short code may be set to 2 minutes, and of course, other time may be set, which is only an example and has no limiting effect.
After the valid time of the payment short code is set, the payment order, the payment short code and the valid time of the payment short code may be stored in a partition database corresponding to the merchant location information, for example, the payment order, the payment short code and the valid time of the payment short code are stored in a form of the payment order, the payment short code and the valid time of the payment short code, and then the payment short code is returned to the merchant terminal. The merchant terminal may directly print the payment short code on the payment voucher, or print the payment short code on the payment voucher in a code identification manner, or transmit the payment short code to the user terminal by using an NFC function, where the manner in which the merchant terminal provides the payment short code is not specifically limited.
The user checks the payment short code on the payment voucher and inputs the corresponding payment short code into the user terminal; or, scanning the corresponding code identification by using the user terminal to obtain the corresponding payment short code; or, the payment is initiated by using the NFC function to receive the payment short code transmitted by the merchant terminal, the payment short code is used as a payment certificate, and when the user terminal carries out payment, the user terminal submits the user position information, the payment short code and the payment account number to a payment platform to apply for payment.
Step S202, determining a corresponding partition database according to the user position information provided by the user terminal.
After obtaining the user location information provided by the user terminal, the payment platform may determine the corresponding partition database according to the user location information, specifically, the partition database may be determined by the following method: the method comprises the steps of determining a geo-fence partition where a user terminal is located according to user location information provided by the user terminal, and then determining a partition database corresponding to the geo-fence partition according to partition identification of the geo-fence partition, wherein the user location information is specifically based on location based service information (LBS information). The geo-fence partitions determined by the user position information and the merchant position information are the same, so that the determined partition databases are the same, and the partition database corresponding to the user position information can be inquired subsequently according to the payment short code provided by the user terminal to obtain the payment pre-order corresponding to the payment short code provided by the user terminal.
The determination of the corresponding partition database according to the user location information in this step is similar to the determination of the corresponding partition database according to the merchant location information in step S200, and is not described here again.
Step S203, inquiring the subarea database corresponding to the user position information according to the payment short code provided by the user terminal to obtain a collection order corresponding to the payment short code provided by the user terminal.
The payment short code provided by the user terminal is obtained from the merchant terminal, that is, the corresponding partition database stores the collection information and the corresponding payment short code in association, so that after the payment short code provided by the user terminal is obtained, the partition database corresponding to the user position information can be inquired according to the payment short code provided by the user terminal, so that a collection pre-order corresponding to the payment short code provided by the user terminal can be inquired from the partition database.
Step S204, judging whether the payment short code is valid according to the valid time of the payment short code and the order generation time, if so, executing step S205; if not, step S201 is executed.
After a payment advance order corresponding to the payment short code provided by the user terminal is obtained, whether the payment short code can be used as a payment certificate or not needs to be determined, and specifically, whether the payment short code is valid or not can be judged according to the valid time of the payment short code and the order generation time, for example, the order generation time is 2018, 1, 9, 13, 15:00, the payment short code failure time is 2018, 1, 9, 13, 17:00, and if the payment short code provided by the user terminal is 2018, 1, 9, 13, 15:50, the payment short code is valid; if the time for providing the payment short code by the user terminal is 2018, 1, 9, 13, 17, 50, the payment short code is invalid.
Step S205, determining the inquired collection order as the collection order corresponding to the payment short code provided by the user terminal.
And under the condition that the payment short code is determined to be valid according to the step S204, determining the inquired collection order form as the collection order form corresponding to the payment short code provided by the user terminal so as to carry out subsequent payment.
And step S206, deducting the payment account number provided by the user terminal according to the collection reservation sheet corresponding to the payment short code provided by the user terminal, and completing payment.
After the collection pre-order corresponding to the payment short code provided for the user terminal is determined, the information such as the collection account number and the collection amount can be obtained, so that the payment account number provided by the user terminal can be deducted according to the collection information corresponding to the payment short code provided by the user terminal, the payment is completed by transferring the money from the payment account number to the collection account number, and the payment can be completed.
According to the method provided by the embodiment of the invention, the payment short code is used as the payment voucher, and the payment short code is more convenient to propagate, so that the payment success rate is improved, the problem of low payment success rate caused by scanning the two-dimensional code generated by the merchant terminal by a user is solved, in addition, the order quantity in a single geo-fence partition in the same day is limited, the collection pre-order can be marked through the payment short code, and the payment pre-order does not need to be marked by adopting a unified order long code of a full payment platform; by storing the money collection order in the partition database corresponding to the position information of the merchant, the data volume stored in a single partition database is smaller in order of magnitude than the data volume of the same database of the payment platform shared by all positions, so that the access pressure of inquiring the database is reduced, the inquiring efficiency is improved, the storage capacity is improved, and the problem of large access pressure and storage pressure caused to the database along with the increase of the money collection information when the money collection information is uniformly stored in the database is solved.
Fig. 3 shows a flow diagram of a short code based payment method according to another embodiment of the invention. As shown in fig. 3, the method is applied to a user terminal, and includes the following steps:
step S300, sending a payment request carrying the user position information, the payment short code and the payment account number to the payment platform, so that the payment platform can inquire the subarea database corresponding to the user position information according to the payment short code to obtain the collection information corresponding to the payment short code, deduct the payment account number according to the collection information corresponding to the payment short code to complete payment, and return a response message carrying a payment result to the user terminal.
The user checks the payment short code on the payment voucher and inputs the corresponding payment short code into the user terminal; or, scanning the corresponding code identification by using the user terminal to obtain the corresponding payment short code; or, the payment is initiated by using the NFC function to receive the payment short code transmitted by the merchant terminal, the payment short code is used as a payment certificate, and when the user terminal carries out payment, the user terminal submits the user position information, the payment short code and the payment account number to a payment platform to apply for payment.
After receiving the payment request, the payment platform queries the partition database corresponding to the user position information according to the payment short code to obtain the collection information corresponding to the payment short code, deducts the payment account according to the collection information corresponding to the payment short code to complete payment, and returns a response message carrying a payment result to the user terminal, wherein the payment result is payment success or payment failure.
Step S301, receiving a response message carrying a payment result sent by the payment platform.
According to the method provided by the embodiment of the invention, the user terminal carries out payment based on the payment short code, the payment success rate is improved, and the problem of low payment success rate caused by scanning the two-dimensional code generated by the merchant terminal by the user is solved.
Fig. 4 is a schematic diagram illustrating a structure of a short code-based payment apparatus according to an embodiment of the present invention. As shown in fig. 4, the apparatus includes: a payment short code processing module 410, a query module 420 and a payment module 430.
The payment short code processing module 410 is adapted to generate a payment short code according to the payment receiving information provided by the merchant terminal, store the payment short code in the partition database corresponding to the merchant position information, and return the payment short code to the merchant terminal.
The query module 420 is adapted to query the partition database corresponding to the user location information according to the payment short code provided by the user terminal to obtain the payment receiving information corresponding to the payment short code provided by the user terminal, where the payment short code provided by the user terminal is obtained from the merchant terminal.
The payment module 430 is adapted to deduct money from a payment account provided by the user terminal according to the collection information corresponding to the payment short code provided by the user terminal, so as to complete payment.
Optionally, the payment short code processing module 410 is further adapted to: and determining a corresponding partition database according to the merchant position information provided by the merchant terminal, generating a payment prearranged order and a payment short code by utilizing the payment information provided by the merchant terminal, and storing the payment prearranged order and the payment short code in the partition database corresponding to the merchant position information.
Optionally, the payment short code processing module 410 is further adapted to: determining a geo-fence partition where a merchant terminal is located according to merchant position information provided by the merchant terminal; and determining a partition database corresponding to the geo-fence partition according to the partition identification of the geo-fence partition.
Optionally, the query module 420 is further adapted to: determining a corresponding subarea database according to the user position information provided by the user terminal, and inquiring the subarea database corresponding to the user position information according to the payment short code provided by the user terminal to obtain a collection order corresponding to the payment short code provided by the user terminal;
the payment module 430 is further adapted to: and deducting the payment account number provided by the user terminal according to the collection reservation sheet corresponding to the payment short code provided by the user terminal to complete payment.
Optionally, the query module 420 is further adapted to: determining a geo-fence partition where the user terminal is located according to user location information provided by the user terminal; and determining a partition database corresponding to the geo-fence partition according to the partition identification of the geo-fence partition.
Optionally, the checkout pre-order includes one or more of the following information: collection information and order generation time; the collection information includes: a collection account number, a collection reason, a merchant contract ID and a collection amount.
Optionally, the payment short code processing module 410 is further adapted to: and setting the effective time of the payment short code.
Optionally, the apparatus comprises: the judging module 440 is adapted to judge whether the payment short code is valid according to the valid time of the payment short code and the order generation time;
the query module 420 is further adapted to: and if the payment short code is valid, determining the inquired collection order as the collection order corresponding to the payment short code provided by the user terminal.
According to the device provided by the embodiment of the invention, the payment short code is generated according to the payment receiving information provided by the merchant terminal, the payment short code is stored in the partition database corresponding to the merchant position information, and the payment short code is returned to the merchant terminal; inquiring a subarea database corresponding to the user position information according to the payment short code provided by the user terminal to obtain the collection information corresponding to the payment short code provided by the user terminal; and deducting the payment account number provided by the user terminal according to the collection information corresponding to the payment short code provided by the user terminal to complete payment. Based on the scheme provided by the embodiment of the invention, the payment short code is used as the payment voucher, and due to the characteristic that the payment short code is more convenient to spread, the payment success rate is improved, the problem of low payment success rate caused by scanning the two-dimensional code generated by a merchant terminal by a user is solved, the query efficiency is improved by storing the payment information into the partition database corresponding to the merchant position information, the storage capacity is improved, and the problem of high access pressure and storage pressure caused to the database along with the increase of the payment information when the payment information is uniformly stored in one database can be solved.
Fig. 5 is a schematic diagram illustrating a structure of a short code-based payment apparatus according to an embodiment of the present invention. As shown in fig. 5, the apparatus includes: a sending module 510 and a receiving module 520.
The sending module 510 is adapted to send a payment request carrying the user location information, the payment short code, and the payment account to the payment platform, so that the payment platform queries the partition database corresponding to the user location information according to the payment short code to obtain the collection information corresponding to the payment short code, deducts the payment account according to the collection information corresponding to the payment short code to complete payment, and returns a response message carrying a payment result to the user terminal according to the payment result.
The receiving module 520 is adapted to receive a response message carrying the payment result sent by the payment platform.
Optionally, the payment short code is obtained by scanning a code identifier provided by the merchant terminal for the user terminal or is obtained from the merchant terminal based on an NFC transmission function.
According to the device provided by the embodiment of the invention, the user terminal carries out payment based on the payment short code, the payment success rate is improved, and the problem of low payment success rate caused by scanning the two-dimensional code generated by the merchant terminal by the user is solved.
The payment method and device based on the short code provided by the embodiment of the invention can be applied to parking charging, and can also be applied to other scenes in which a merchant terminal is used for charging a user, such as shopping mall and supermarket charging, and the like, and are not particularly limited.
The embodiment of the application also provides a nonvolatile computer storage medium, and the computer storage medium stores at least one executable instruction, and the computer executable instruction can execute the payment method based on the short code in any method embodiment.
Fig. 6 is a schematic structural diagram of a computing device according to an embodiment of the present invention, and the specific embodiment of the present invention does not limit the specific implementation of the computing device.
As shown in fig. 6, the computing device may include: a processor (processor)602, a communication Interface 604, a memory 606, and a communication bus 608.
Wherein:
the processor 602, communication interface 604, and memory 606 communicate with one another via a communication bus 608.
A communication interface 604 for communicating with network elements of other devices, such as clients or other servers.
The processor 602 is configured to execute the program 610, and may specifically execute relevant steps in the foregoing short code-based payment method embodiment.
In particular, program 610 may include program code comprising computer operating instructions.
The processor 602 may be a central processing unit CPU or an application Specific Integrated circuit asic or one or more Integrated circuits configured to implement embodiments of the present invention. The computing device includes one or more processors, which may be the same type of processor, such as one or more CPUs; or may be different types of processors such as one or more CPUs and one or more ASICs.
And a memory 606 for storing a program 610. Memory 606 may comprise high-speed RAM memory, and may also include non-volatile memory (non-volatile memory), such as at least one disk memory.
The embodiment of the application also provides a nonvolatile computer storage medium, and the computer storage medium stores at least one executable instruction, and the computer executable instruction can execute the payment method based on the short code in any method embodiment.
Fig. 7 is a schematic structural diagram of a computing device according to an embodiment of the present invention, and the specific embodiment of the present invention does not limit the specific implementation of the computing device.
As shown in fig. 7, the computing device may include: a processor (processor)702, a Communications Interface 704, a memory 706, and a communication bus 708.
Wherein:
the processor 702, communication interface 704, and memory 706 communicate with each other via a communication bus 708.
A communication interface 704 for communicating with network elements of other devices, such as clients or other servers.
The processor 702 is configured to execute the program 710, and may specifically execute relevant steps in the above-described payment method embodiment based on short codes.
In particular, the program 710 may include program code that includes computer operating instructions.
The processor 702 may be a central processing unit CPU, or an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits configured to implement an embodiment of the present invention. The computing device includes one or more processors, which may be the same type of processor, such as one or more CPUs; or may be different types of processors such as one or more CPUs and one or more ASICs.
The memory 706 stores a program 710. The memory 706 may comprise high-speed RAM memory, and may also include non-volatile memory (non-volatile memory), such as at least one disk memory.
The program 710 may specifically be configured to cause the processor 702 to perform the short code based payment method in any of the method embodiments described above. For specific implementation of each step in the program 710, reference may be made to corresponding steps and corresponding descriptions in units in the foregoing payment embodiment based on short codes, which are not described herein again. It can be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described devices and modules may refer to the corresponding process descriptions in the foregoing method embodiments, and are not described herein again.
The algorithms and displays presented herein are not inherently related to any particular computer, virtual machine, or other apparatus. Various general purpose systems may also be used with the teachings herein. The required structure for constructing such a system will be apparent from the description above. Moreover, the present invention is not directed to any particular programming language. It is appreciated that a variety of programming languages may be used to implement the teachings of the present invention as described herein, and any descriptions of specific languages are provided above to disclose the best mode of the invention.
In the description provided herein, numerous specific details are set forth. It is understood, however, that embodiments of the invention may be practiced without these specific details. In some instances, well-known methods, structures and techniques have not been shown in detail in order not to obscure an understanding of this description.
Similarly, it should be appreciated that in the foregoing description of exemplary embodiments of the invention, various features of the invention are sometimes grouped together in a single embodiment, figure, or description thereof for the purpose of streamlining the disclosure and aiding in the understanding of one or more of the various inventive aspects. However, the disclosed method should not be interpreted as reflecting an intention that: that the invention as claimed requires more features than are expressly recited in each claim. Rather, as the following claims reflect, inventive aspects lie in less than all features of a single foregoing disclosed embodiment. Thus, the claims following the detailed description are hereby expressly incorporated into this detailed description, with each claim standing on its own as a separate embodiment of this invention.
Those skilled in the art will appreciate that the modules in the device in an embodiment may be adaptively changed and disposed in one or more devices different from the embodiment. The modules or units or components of the embodiments may be combined into one module or unit or component, and furthermore they may be divided into a plurality of sub-modules or sub-units or sub-components. All of the features disclosed in this specification (including any accompanying claims, abstract and drawings), and all of the processes or elements of any method or apparatus so disclosed, may be combined in any combination, except combinations where at least some of such features and/or processes or elements are mutually exclusive. Each feature disclosed in this specification (including any accompanying claims, abstract and drawings) may be replaced by alternative features serving the same, equivalent or similar purpose, unless expressly stated otherwise.
Furthermore, those skilled in the art will appreciate that while some embodiments described herein include some features included in other embodiments, rather than other features, combinations of features of different embodiments are meant to be within the scope of the invention and form different embodiments. For example, in the following claims, any of the claimed embodiments may be used in any combination.
The various component embodiments of the invention may be implemented in hardware, or in software modules running on one or more processors, or in a combination thereof. Those skilled in the art will appreciate that a microprocessor or Digital Signal Processor (DSP) may be used in practice to implement some or all of the functions of some or all of the components in a short code based payment device according to embodiments of the present invention. The present invention may also be embodied as apparatus or device programs (e.g., computer programs and computer program products) for performing a portion or all of the methods described herein. Such programs implementing the present invention may be stored on computer-readable media or may be in the form of one or more signals. Such a signal may be downloaded from an internet website or provided on a carrier signal or in any other form.
It should be noted that the above-mentioned embodiments illustrate rather than limit the invention, and that those skilled in the art will be able to design alternative embodiments without departing from the scope of the appended claims. In the claims, any reference signs placed between parentheses shall not be construed as limiting the claim. The word "comprising" does not exclude the presence of elements or steps not listed in a claim. The word "a" or "an" preceding an element does not exclude the presence of a plurality of such elements. The invention may be implemented by means of hardware comprising several distinct elements, and by means of a suitably programmed computer. In the unit claims enumerating several means, several of these means may be embodied by one and the same item of hardware. The usage of the words first, second and third, etcetera do not indicate any ordering. These words may be interpreted as names.
Claims (20)
1. A short code based payment method, comprising:
generating a payment short code and a payment prearranged order according to the payment information provided by the merchant terminal, setting the effective time of the payment short code, storing the payment prearranged order, the payment short code and the effective time of the payment short code to a subarea database corresponding to the merchant position information, and returning the payment short code to the merchant terminal, wherein the payment prearranged order comprises: the payment short code is used for marking the payment information, and the payment information comprises a payment amount and a payment account number;
inquiring a partition database corresponding to user position information according to a payment short code provided by a user terminal to obtain a payment prearranged order corresponding to the payment short code provided by the user terminal and effective time of the payment short code, wherein the payment short code is obtained by the user terminal through scanning a code identifier provided by a merchant terminal or is obtained from the merchant terminal based on an NFC transmission function;
and judging whether the payment short code is valid according to the valid time of the payment short code and the order generation time, if so, deducting the payment account number provided by the user terminal according to the collection information corresponding to the payment short code provided by the user terminal, and completing the payment.
2. The method of claim 1, wherein the method further comprises: and determining a corresponding partition database according to the merchant position information provided by the merchant terminal.
3. The method of claim 2, wherein the determining the corresponding partitioned database according to merchant location information provided by a merchant terminal further comprises:
determining a geo-fence partition where a merchant terminal is located according to merchant position information provided by the merchant terminal;
and determining a partition database corresponding to the geo-fence partition according to the partition identification of the geo-fence partition.
4. The method according to any one of claims 1 to 3, wherein the querying the partition database corresponding to the user location information according to the payment short code provided by the user terminal to obtain the collection order corresponding to the payment short code provided by the user terminal and the valid time of the payment short code further comprises:
determining a corresponding subarea database according to user position information provided by a user terminal, and inquiring the subarea database corresponding to the user position information according to the payment short code provided by the user terminal to obtain a collection order corresponding to the payment short code provided by the user terminal and the effective time of the payment short code.
5. The method of claim 4, wherein the determining the corresponding partition database according to the user location information provided by the user terminal further comprises:
determining a geo-fence partition where the user terminal is located according to user location information provided by the user terminal;
and determining a partition database corresponding to the geo-fence partition according to the partition identification of the geo-fence partition.
6. The method of claim 1, wherein the collection information comprises: reason for collection, merchant contract ID.
7. The method of claim 1, wherein the method comprises:
and if the payment short code is valid, determining the inquired collection order as the collection order corresponding to the payment short code provided by the user terminal.
8. A short code based payment method, comprising:
sending a payment request carrying user position information, a payment short code and a payment account to a payment platform, so that the payment platform queries a partition database corresponding to the user position information according to the payment short code to obtain a collection order corresponding to the payment short code and valid time of the payment short code, judging whether the payment short code is valid according to the valid time of the payment short code and order generation time, if so, deducting the payment account according to collection information corresponding to the payment short code to complete payment, and returning a response message carrying a payment result to a user terminal, wherein the collection order comprises: the payment short code is generated according to the payment information, and is obtained by scanning a code identifier provided by a merchant terminal or obtained from the merchant terminal based on an NFC transmission function;
and receiving a response message which is sent by the payment platform and carries the payment result.
9. A short code based payment device comprising:
the payment short code processing module is suitable for generating a payment short code and a payment pre-order according to payment information provided by a merchant terminal, setting effective time of the payment short code, storing the payment pre-order, the payment short code and the effective time of the payment short code in a partition database corresponding to merchant position information, and returning the payment short code to the merchant terminal, wherein the payment pre-order comprises: the payment short code is used for marking the payment information, and the payment information comprises a payment amount and a payment account number;
the inquiry module is suitable for inquiring a partition database corresponding to user position information according to the payment short code provided by the user terminal to obtain a collection order corresponding to the payment short code provided by the user terminal and the effective time of the payment short code, wherein the payment short code is obtained by the user terminal through scanning a code identifier provided by a merchant terminal or is obtained from the merchant terminal based on an NFC transmission function;
the judging module is suitable for judging whether the payment short code is valid according to the valid time of the payment short code and the order generating time;
and the payment module is suitable for deducting the payment account number provided by the user terminal according to the collection information corresponding to the payment short code provided by the user terminal to finish payment if the payment short code is valid.
10. The apparatus of claim 9, wherein the payment nonce processing module is further adapted to: and determining a corresponding partition database according to the merchant position information provided by the merchant terminal.
11. The apparatus of claim 10, wherein the payment nonce processing module is further adapted to: determining a geo-fence partition where a merchant terminal is located according to merchant position information provided by the merchant terminal; and determining a partition database corresponding to the geo-fence partition according to the partition identification of the geo-fence partition.
12. The apparatus of any of claims 9-11, wherein the query module is further adapted to: determining a corresponding subarea database according to user position information provided by a user terminal, and inquiring the subarea database corresponding to the user position information according to the payment short code provided by the user terminal to obtain a collection order corresponding to the payment short code provided by the user terminal and the effective time of the payment short code.
13. The apparatus of claim 12, wherein the query module is further adapted to: determining a geo-fence partition where the user terminal is located according to user location information provided by the user terminal; and determining a partition database corresponding to the geo-fence partition according to the partition identification of the geo-fence partition.
14. The apparatus of claim 9, wherein the payment information comprises: reason for collection, merchant contract ID.
15. The apparatus of claim 9, wherein the query module is further adapted to: and if the payment short code is valid, determining the inquired collection order as the collection order corresponding to the payment short code provided by the user terminal.
16. A short code based payment device comprising:
the sending module is suitable for sending a payment request carrying user position information, a payment short code and a payment account to a payment platform, so that the payment platform can inquire a subarea database corresponding to the user position information according to the payment short code to obtain a collection order corresponding to the payment short code and effective time of the payment short code, judge whether the payment short code is effective according to the effective time of the payment short code and order generation time, if so, deduct money from the payment account according to collection information corresponding to the payment short code to complete payment, and return a response message carrying a payment result to a user terminal according to the payment result, wherein the collection order comprises: the payment short code is generated according to the payment information, and is obtained by scanning a code identifier provided by a merchant terminal or obtained from the merchant terminal based on an NFC transmission function;
and the receiving module is suitable for receiving a response message which is sent by the payment platform and carries the payment result.
17. A computing device, comprising: the system comprises a processor, a memory, a communication interface and a communication bus, wherein the processor, the memory and the communication interface complete mutual communication through the communication bus;
the memory is used for storing at least one executable instruction which causes the processor to execute the operation corresponding to the short code based payment method according to any one of claims 1-7.
18. A computer storage medium having stored therein at least one executable instruction that causes a processor to perform operations corresponding to the short code-based payment method of any one of claims 1-7.
19. A computing device, comprising: the system comprises a processor, a memory, a communication interface and a communication bus, wherein the processor, the memory and the communication interface complete mutual communication through the communication bus;
the memory is used for storing at least one executable instruction which causes the processor to execute the operation corresponding to the short code based payment method according to claim 8.
20. A computer storage medium having stored therein at least one executable instruction that causes a processor to perform operations corresponding to the short code-based payment method of claim 8.
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