CN108492143B - Data processing method and electronic equipment - Google Patents
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- CN108492143B CN108492143B CN201810271220.6A CN201810271220A CN108492143B CN 108492143 B CN108492143 B CN 108492143B CN 201810271220 A CN201810271220 A CN 201810271220A CN 108492143 B CN108492143 B CN 108492143B
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Abstract
The invention provides a data processing method and electronic equipment, wherein the method comprises the following steps: acquiring payee information, wherein the payee information corresponds to a payee; automatically determining a first payment method based on the payee information; wherein if payment to the receiving merchant is initiated in the first payment manner, the payment amount is less than the amount due for the item purchased at the receiving merchant; that is to say, the method and the device for determining the first payment mode of the issued information of the payment receiving merchant can automatically determine the first payment mode of the issued information of the payment receiving merchant without manual selection of a user or acquisition in advance of the user, and improve user experience.
Description
Technical Field
The present invention relates to the field of information processing technologies, and in particular, to a data processing method and an electronic device.
Background
At present, merchants often make some sales promotion activities in order to attract users, and with the popularity of electronic payment, the merchants also combine other platforms to make sales promotion activities. For example, the user can make discount offers using a particular payment platform.
In the prior art, only if a user knows in advance which platform a merchant cooperates with, can a specific platform be manually selected for payment when making a payment.
However, this method is obviously not intelligent, and if the user does not pay attention to the information, the user cannot obtain the benefit, and the user experience is poor.
Disclosure of Invention
In view of this, the present invention provides a data processing method and an electronic device to solve the above technical problem.
In order to achieve the purpose, the invention provides the following technical scheme:
a method of data processing, the method comprising:
acquiring payee information, wherein the payee information corresponds to a payee;
automatically determining a first payment method based on the payee information;
wherein if payment to the receiving merchant is initiated in the first payment manner, the payment amount is less than the amount due for the item purchased at the receiving merchant.
Preferably, the first payment means comprises an account of a third party bank, the third party bank having a payment amount less than the amount due for items purchased at the receiving merchant if payment to the receiving merchant is initiated in the first payment means.
Preferably, the automatically determining a first payment method based on the payee information includes:
determining a target bank having an enforcement right of the issuing information of the receiving merchant based on the receiver information;
determining a target payment platform having a binding relationship with an account of the target bank;
and determining the target payment platform as a first payment mode, and setting an account of a third party bank used by the target payment platform as an account of the target bank.
Preferably, the automatically determining the first payment method based on the payee information includes:
determining a target payment platform having an execution authority of the issued information of the receiving merchant based on the receiver information;
and determining the target payment platform as a first payment mode.
Preferably, the method further comprises the following steps:
determining that the issuing information of the receiving merchant comprises issuing information of a full and minus type based on the information of the payee, and determining a payment platform or a bank having an execution authority of the issuing information of the full and minus type;
and when the amount due to the items purchased by the receiving merchant is greater than or equal to the preset amount due, paying by using the first payment method.
Preferably, the method further comprises the following steps:
determining that the full minus type of the issued information is only relevant to the receiving merchant itself;
when the amount due to the goods purchased by the receiving merchant is more than or equal to the preset amount due, paying by using the payment method selected by the user;
wherein the payment amount of the payment is lower than the amount due for the purchased item.
Preferably, when the due of the item purchased by the receiving merchant is less than the preset amount due, determining recommendation information based on the full-minus type issuing information;
and displaying the recommendation information.
Preferably, the obtaining of the payee information includes:
acquiring payee information based on the code scanning operation of the electronic equipment;
or acquiring the current geographic position of the electronic equipment, and acquiring payee information based on the current geographic position;
or receiving payee information sent by a current payee merchant where the electronic equipment is located;
or receiving payee information sent by the second electronic equipment when the electronic equipment is determined to trigger payment;
or acquiring payee information when the electronic equipment triggers payment.
An electronic device, comprising:
a processor for obtaining payee information, automatically determining a first payment method based on the payee information; wherein, the payee information corresponds to a payee merchant; if payment is initiated to the receiving merchant in the first payment method, the payment amount is less than the amount due for the purchase at the receiving merchant;
a memory for storing a program running on the processor.
Preferably, the first payment means comprises an account of a third party bank, the third party bank having a payment amount less than the amount due for items purchased at the receiving merchant if payment to the receiving merchant is initiated in the first payment means.
As can be seen from the foregoing technical solutions, compared with the prior art, embodiments of the present invention provide a data processing method, which can automatically determine a first payment method based on payee information, and a payment amount paid by the first payment method is lower than an amount due to purchased items, that is, the first payment method can execute issuing information of a payee, that is, the method and the device implement automatic determination of the first payment method that can execute issuing information of the payee, do not need to be manually selected by a user, do not need to be known by the user in advance, and improve user experience.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the prior art descriptions will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a schematic flow chart illustrating a data processing method according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a data processing method according to a second embodiment of the present invention;
FIG. 3 is a flowchart illustrating a data processing method according to a third embodiment of the present invention;
FIG. 4 is a flowchart illustrating a data processing method according to a fourth embodiment of the present invention;
fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the apparatus of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The first embodiment of the method of the present invention discloses a data processing method, as shown in fig. 1, the method includes the following steps:
step 101: acquiring payee information;
the data processing method disclosed by the application can be applied to electronic equipment, such as a mobile phone, a tablet personal computer, an intelligent watch and other terminals with a mobile payment function.
The information of the payee corresponds to a payee. The receiving merchant is the subject to which the payment amount belongs after the user purchases the item under his jurisdiction.
The collection merchant may be a field merchant, such as a Wallmar supermarket, a Vanda mall, or the like. For example, after the user purchases the goods in the walma supermarket and pays at a cash register, the payment amount is attributed to the walma supermarket.
The payee merchant may also be a web merchant, such as tianmao, jingdong, etc.
Step 102: a first payment method is automatically determined based on payee information.
In the invention, the information of the payee at least comprises a payee merchant and a payment platform or a bank which has an incidence relation with the payee merchant. For example, the obtained payee information is "walma supermarket carries the hand-held payer for sales promotion, and any customer using the payer for payment can enjoy 8-fold discount", so that the first payment method can be automatically determined to be the payer based on the payee information.
Wherein if payment to the recipient merchant is initiated in the first payment manner, the payment amount is less than the amount due for the item purchased at the recipient merchant.
It will be appreciated that the payment amount is the actual payment amount and the amount due is the due payment amount. For example, the amount due for the user to purchase an item in the receiving merchant is 500 dollars, and if the payment is made in the first payment method, and the discount is made 8 dollars, then if the payment is made in the first payment method, the payment amount is 400 dollars, and it can be seen that the payment amount of 400 dollars is 500 dollars lower than the amount due for the item purchased by the receiving merchant.
It should be noted that when multiple payment methods can be automatically determined based on the receipt information, the first payment method automatically determined by the system has a lower payment amount if a payment to the receiving merchant is initiated than if the other payment methods initiate a payment to the receiving merchant. That is, the system can automatically determine the payment method with the greatest privilege level as the first payment method.
After automatically determining the first payment method based on the receipt information, in another embodiment of the present invention, the first payment method may be presented on the electronic device, i.e., recommended as the user, so that the user prefers to use the first payment method for payment when making a payment.
After automatically determining the first payment method based on the receipt information, in a further embodiment of the present invention, when a payment condition is satisfied, payment is directly made in the first payment method.
For example, when a user triggers a payment key operation after shopping in an online store, the information of a payer is obtained, the first payment mode is determined based on the information of the payer, and due to the fact that the operation of triggering the payment key is received before, after the first payment mode is determined, payment can be directly carried out in the first payment mode.
Alternatively, for another example, after the first payment means is determined based on the payer information, when a preset operation is received, payment is directly made in the first payment means.
Or when the user selects a payment mode to pay after shopping in the physical store, the information of the payer is obtained, the first payment mode is determined based on the information of the payer, and when the payment mode selected by the user is different from the first payment mode, the payment is directly switched to the first payment mode.
The first payment method in the application can be referred to as various electronic payment methods, such as pay treasure, weChat, cloud flash payment, applet pay, and the like.
Therefore, in the embodiment, the first payment mode can be automatically determined based on the payee information, and the payment amount paid by the first payment mode is lower than the amount due to the purchased article, that is, the sales promotion information issued by the payee merchant can be executed by the first payment mode, that is, the automatic determination of the first payment mode of the sales promotion information issued by the payee merchant can be realized, the manual selection of a user is not needed, the advance learning of the user is not needed, and the user experience is improved.
In the present invention, in one mode, the first payment means may include an account of a third party bank, and then, if the payment to the receiving merchant is initiated in the first payment means, the payment amount of the third party bank is lower than the amount due for the items purchased at the receiving merchant.
That is to say, the payment platform corresponding to the first payment method and the account of the third party bank establish a binding relationship, and when the first payment method initiates payment to the receiving merchant, the actual payment object is the third party bank.
Correspondingly to this way, the second embodiment of the method of the present invention discloses a data processing method, as shown in fig. 2, the data processing method includes the following steps:
step 201: acquiring payee information;
wherein, the payee information corresponds to a payee.
Step 202: determining a target bank having an enforcement right of the issuing information of the receiving merchant based on the receiver information;
the issuing information of the receiving merchant comprises a preferential strategy issued by the receiving merchant, and the target bank with the execution authority of the issuing information of the receiving merchant refers to the preferential strategy which can enjoy the issuing information by adopting the account of the target bank to pay.
When it can be determined that the target bank indicates that the payee information includes the target bank having an association with the receiving merchant, it can be understood that the payee information may include the issuing information of the receiving merchant or may not include the issuing information of the receiving merchant, and the determination of the target bank is not affected by not including the issuing information of the receiving merchant.
For example, the payee information is "walma supermarket carry china bank for sales promotion, and any customer using the china bank card for payment can enjoy 8 discount benefits", so the payee information includes the release information, i.e., "8 discount benefits". And if the payee information is 'Wallma supermarket carry China bank for promotion activity', the payee information does not contain the issuing information, and the target bank with the execution authority of the issuing information of the payee can be determined to be the China bank under the condition.
Step 203: determining a target payment platform having a binding relationship with an account of the target bank;
the payment platform installed in the electronic device can bind accounts of various banks, and then a target payment platform having a binding relationship with the account of the target bank is determined in the payment platform of the electronic device.
For example, the electronic device includes a first payment platform and a second payment platform, the first payment platform is bound to an account of a chinese bank, and the second payment platform is bound to an account of a construction bank.
Step 204: determining the target payment platform as a first payment mode, and setting an account of a third party bank used by the target payment platform as an account of the target bank;
in this manner, if payment to the receiving merchant is initiated in a first payment manner, the payment amount of the target bank is less than the amount due for the items purchased at the receiving merchant.
And the specific payment amount may be determined based on the purchased article information and the issuing information of the execution authority that the target bank has.
It should be noted that, the target payment platform has a possibility that a plurality of accounts of the third party bank are bound to the target payment platform, and in this embodiment, the account of the third party bank used by the target payment platform has been set as the account of the target bank, so if the payment to the receiving merchant is initiated in the first payment manner, the payment is preferentially performed by using the account of the target bank. The receiving merchant here is referred to as a receiving merchant corresponding to the receiving party information, and since the target bank in this embodiment is determined based on the receiving party information, only if the first payment party initiates payment to the receiving merchant corresponding to the receiving party information, the account of the target bank is preferentially and automatically used.
In another embodiment of the present invention, a target account type of the target bank is also determined based on the payee information, then the account type of the target bank bound by the target payment platform is the target account type, and the set type of the account of the third party bank used by the target payment platform is the target account type.
That is, in practical applications, a bank may include multiple types of accounts, such as credit cards, flash cards, etc., and if the receiving merchant only has a cooperative relationship with a specific account type of the target bank, the user can enjoy the benefit only by using the account of the target bank of the specific account type.
In another mode, the payment platform corresponding to the first payment mode can directly initiate payment for the payee merchant, namely the payment amount of the payment platform corresponding to the first payment mode is lower than the amount due to the goods purchased by the payee merchant.
Correspondingly to this way, a third embodiment of the method of the present invention discloses a data processing method, as shown in fig. 3, the data processing method includes the following steps:
step 301: acquiring payee information;
wherein, the payee information corresponds to a payee.
Step 302: determining a target payment platform having an execution authority of the issued information of the receiving merchant based on the receiver information;
the issuing information of the receiving merchant comprises a preferential strategy issued by the receiving merchant, and the target payment platform with the execution authority of the issuing information of the receiving merchant refers to the preferential strategy which can enjoy the issuing information by adopting the target payment platform to pay.
When it can be determined that the target payment platform indicates that the payee information includes the target payment platform having an association with the payee, it can be understood that the payee information may include the issuing information of the payee or may not include the issuing information of the payee, and the target bank determination is not affected by not including the issuing information of the payee.
For example, the payee information is "walma supermarket carries a hand-held payment treasure for sales promotion, and any customer using the payment treasure can enjoy 8-fold discount", so the payee information includes the release information, that is, "8-fold discount". And if the payee information is 'Wallma supermarket carries the hand-held payment instrument to carry out promotion activities', the payee information does not contain the issuing information, and the target payment platform with the execution authority of the issuing information of the payee can be determined to be the payment instrument under the condition.
Step 303: and determining the target payment platform as a first payment mode.
In this manner, if payment is made to the recipient merchant in the first payment method, the target payment platform's payment amount is less than the amount due for the item purchased by the recipient merchant.
And the specific payment amount may be determined based on the purchased article information and the issue information of the execution authority that the target payment platform has.
The fourth embodiment of the method of the present invention discloses a data processing method, as shown in fig. 4, the data processing method includes the following steps:
step 401: acquiring information of a payee;
wherein, the information of the payee corresponds to a payee;
step 402: automatically determining a first payment method based on the payee information;
wherein if payment to a receiving merchant is initiated in a first payment manner, the payment amount is less than the amount due for the item purchased at the receiving merchant.
Step 403: determining issuing information of the payment merchant in a type of issuing information full or minus based on the payee information;
step 404: determining a payment platform or a bank having an execution authority of the full reduction type release information;
in this embodiment, the payee information includes a receiving merchant and a payment platform or a bank having an association relationship with the receiving merchant, and further includes issued information of the receiving merchant and/or a type of the issued information.
It is understood that if the payee information includes the posting information of the payee merchant without including the type of the posting information, it can also be determined whether the posting information is a full minus type of posting information based on the posting information of the payee merchant. Specifically, when the release information includes a preset special keyword, such as "full", "subtract", "go", etc., the release information is determined to be a full-minus type of release information. For example, the release information of the full minus type is "full 1000 minus 200".
Meanwhile, whether the execution authority of the issued information with the full and reduced type is a payment platform or a bank can be determined based on the payee information. It should be noted that, if the receiving merchant cooperates with the payment platform or the bank to authorize the execution authority of the full discount type release information to the specified payment platform or the bank, the user can enjoy the full discount using the specified payment platform or the bank.
Step 405: and when the amount due for the items purchased at the receiving merchant is greater than or equal to the preset amount due, paying by using a first payment method.
And when the amount due to the items purchased by the receiving merchant is more than or equal to the preset amount due, the full reduction requirement is met, and in this case, the payment is carried out by using the first payment method. Note that the first payment method corresponds to a payment platform or a bank having an execution right of the full-down type of the distributed information.
And the payment amount paid using the first payment means may be determined based on the full-minus type distribution information and the purchased article information including at least an amount due for the purchased article.
In this embodiment, as an implementation manner of obtaining the item information, when obtaining the payee information, the item information purchased by the user at the payee may also be obtained, so that it is determined whether the amount due to all items purchased by the payee is greater than or equal to the preset amount due based on the obtained item information, and if so, the payment is directly performed by using the first payment method.
As another implementation manner, the user may obtain the purchased item information by using scanning software on the electronic device, when the electronic device detects that the user triggers a payment operation, it is determined whether the amount due to all items purchased by the receiving merchant is greater than or equal to a preset amount due based on the obtained item information, and if so, the payment is performed by using the first payment method. It should be noted that the scanning software may also be payment software, if the payment software corresponds to the first payment method, the electronic device directly uses the first payment method for payment, and if the payment software does not correspond to the first payment method, the electronic device switches to the first payment method for payment.
There are of course other implementations for obtaining the amount due for the item purchased by the user at the receiving merchant, such as the user entering the amount due directly on the electronic device. Or for the items purchased by the user from the network, the electronic device can directly acquire the information of the items purchased by the payment receiving merchant, which is within the protection scope of the invention.
In the invention, the issued information of the full deduction type issued by the collection merchant can also be irrelevant to the payment platform or the bank, that is, the user can enjoy the full deduction by selecting any payment platform or bank. Specifically, in the fifth embodiment of the inventive method, after step 403, the method further includes:
step 406: determining that the full minus type of the issued information is only relevant to the receiving merchant itself;
in this embodiment, the payee information includes the receiving merchant, and also includes the issued information or the type of the issued information of the receiving merchant. When the payee information does not indicate a payment platform or a bank having an association with the receiving merchant or explicitly indicates that the issue information is only related to the receiving merchant, it can be determined that the full-minus type of issue information is only related to the receiving merchant itself.
Step 407: and when the amount due to the items purchased by the receiving merchant is more than or equal to the preset amount due, paying by using the payment method selected by the user.
And when the amount due to the goods purchased by the receiving merchant is more than or equal to the preset amount due, the full-deduction requirement is met.
Wherein the payment amount of the payment is lower than the amount due for the purchased item. Specifically, the payment amount may be determined based on the full-minus type of distribution information and the amount due for the purchased item.
In a sixth embodiment of the method of the present invention, a method for data processing further includes:
and when the amount due for the articles purchased by the collection merchant is less than the preset amount due, determining recommendation information based on the full-minus type issuing information, and displaying the recommendation information.
When the due amount of the item purchased by the payee merchant is less than the preset due amount, it may be determined that the item currently purchased by the user cannot enjoy the full discount, and in this case, the recommendation information may be determined based on the full discount type release information to be displayed to the user.
It should be noted that, if it is defined in the distribution information having the full reduction type that only the specified item can enjoy the full reduction offer, the electronic device can automatically screen out the amount due for the item meeting the full reduction demand based on the acquired item information. Then, the determined recommendation information is also recommendation information that meets the full reduction requirement.
In the seventh embodiment of the method of the invention, the method for acquiring the payee information comprises the following modes:
(1) And acquiring payee information based on the code scanning operation of the electronic equipment.
In the prior art, when a user purchases an article and prepares for payment, a cashier scans the article purchased by the user to generate article information and the amount due for all articles, if the user proposes to use electronic payment, the cashier can trigger a payment receiving device to generate payment receiving information such as a two-dimensional code or a bar code, and the user can scan the code by using electronic payment software to make payment.
In the invention, the payee merchant can send the payee information of the payee merchant and the information of the articles purchased by the user to the electronic equipment together when the user scans the codes by using the electronic payment software, so that the electronic equipment determines a first payment mode based on the payee information, if the software of code scanning operation corresponds to the first payment mode, the electronic equipment directly pays in the first payment mode, and if the software of code scanning operation does not correspond to the first payment mode, the electronic equipment can prompt the user to change to the first payment mode or directly switch the electronic equipment to the first payment mode for payment.
Of course, the embodiment is not limited to the above application example, and the receiving merchant may also generate the scanning information only based on the receiving party information, so that the user can perform a scanning operation on the scanning information by using the electronic device, so that the electronic device obtains the receiving party information, and then determines the first payment method based on the receiving party information.
(2) The method comprises the steps of obtaining the current geographic position of the electronic equipment, and obtaining payee information based on the current geographic position.
In this way, the electronic device starts a positioning function, so as to obtain the current geographic position of the electronic device, and thus obtain payee information based on the current geographic position. Specifically, whether the geographic identifier of the current geographic position is a preset type of geographic identifier or not can be determined, if the geographic identifier is a shopping place, if the geographic identifier is the shopping place, an official website of the geographic identifier can be searched on the electronic device, and the payee information is obtained from the official website, and specifically, the payee information can be obtained by the electronic device at a position such as a web browser and an announcement number of the geographic identifier of specified software; alternatively, the electronic device searches the issued information of various electronic payment software installed in the electronic device for payee information related to the geographic identification.
The geographical identification corresponds to the payee merchant.
(3) Receiving information of a payee sent by a payee merchant where the electronic device is currently located.
In this way, when the electronic device is in the jurisdiction of the receiving merchant, the receiving merchant can automatically send the receiving party information to the electronic device, and specifically, the electronic device can receive the receiving party information sent by the receiving merchant through various receiving methods such as short message, weChat, QQ and the like.
(4) And receiving payee information sent by the second electronic equipment when the electronic equipment is determined to trigger payment.
It is noted that the electronic device triggering payment refers to when payment is prepared but not completed.
In the related art, when a user purchases an item and prepares for checkout, a cashier scans the item purchased by the user, thereby generating item information and an amount due for all items. If the user proposes to use the electronic payment, the user can generate payment information such as a payment bar code or a payment two-dimensional code through electronic payment software, a cashier sets the amount of money to be collected, and the payment information is scanned through a scanning gun, so that the money collection is realized. Or, if the user proposes to pay with a bank card, the user can approach the bank card to the card reader, and the cashier sets the collection amount, and collection can be realized based on the card reader.
In the invention, the payee merchant sets payee information by using the second electronic device, and sends the payee information to the electronic device when the scanning gun scans the payment information. Or the user approaches the electronic device to the card reader, and the payee merchant transmits payee information to the electronic device by using the second electronic device.
It should be noted that, when the user uses the electronic payment software to trigger payment, and after receiving the payee information sent by the second electronic device and determining the first payment mode, the electronic device allows the second electronic device to successfully receive payment if the software triggering payment corresponds to the first payment mode. That is to say, before the second electronic device scans the payment information through the scanning gun, the collection amount can be set, when the scanning gun scans the payment information, the mode to be collected is entered and the information of the collection party is sent to the electronic device, and when the electronic device allows the second electronic device to successfully collect the payment, the second electronic device is switched to the collection mode to collect the payment.
And if the software triggering payment does not correspond to the first payment mode, the electronic equipment is switched to the first payment mode and controls a payment platform corresponding to the first payment mode to generate payment information for the payment receiving merchant to receive payment. It should be noted that, when the second electronic device performs scanning again, the payee information may also be sent to the electronic device again, or when it is determined that the amount of money to be collected or the item information is not changed when the second electronic device performs scanning again, the payee information does not need to be sent to the electronic device, but enters a collection mode, and collection is directly performed.
(5) Payee information is obtained when the electronic device triggers payment.
It is noted that the electronic device triggering payment refers to when payment is prepared but not completed.
This way corresponds to the case of the user purchasing goods on line, when the user purchases goods in an online shop and clicks payment, the electronic device acquires payee information, thereby determining a first payment way based on the payee information, preferentially recommending the first payment way to the user, or directly controlling the electronic device to pay in the first payment way.
Corresponding to the data processing method, the invention also discloses an electronic device, which is described in detail through a plurality of device embodiments.
The embodiment of the invention discloses an electronic device, which is a terminal with a mobile payment function, such as a mobile phone, a tablet computer, an intelligent bracelet and the like. As shown in fig. 5, the electronic apparatus includes: a processor 100 and a memory 200; wherein:
a processor 100 for obtaining payee information, and automatically determining a first payment method based on the payee information.
Wherein, the payee information corresponds to a payee. The receiving merchant is the subject to which the payment amount belongs after the user purchases the item under his jurisdiction.
The collection merchant may be a field merchant, such as a Wallmar supermarket, a Vanda mall, or the like. For example, after the user purchases the goods in the walma supermarket and pays at a cash register, the payment amount is attributed to the walma supermarket.
The payee merchant may also be a web merchant, such as tianmao, jingdong, etc.
In the invention, the information of the payee at least comprises a payee merchant and a payment platform or a bank which has an incidence relation with the payee merchant. If payment to a receiving merchant is initiated in a first payment manner, the payment amount is less than the amount due for the purchase at the receiving merchant. The payment amount is the actual payment amount, and the amount due is the amount to be paid.
A memory 200 for storing programs running on the processor 100.
It should be noted that when multiple payment methods can be automatically determined based on the collection information, the processor 100 is configured to automatically determine that the first payment method, if initiating payment to the recipient merchant, is lower than the payment amount of the other payment methods initiating payment to the recipient merchant. That is, the processor 100 can automatically determine the payment method with the greatest privilege level as the first payment method.
After automatically determining the first payment method based on the collection information, in another embodiment of the present invention, the processor is configured to display the first payment method on the electronic device, i.e., recommend the first payment method as the user, so that the user prefers to use the first payment method for payment when making the payment.
After automatically determining the first payment method based on the receipt information, in a further embodiment of the invention the processor is adapted to pay directly in the first payment method when a payment condition is fulfilled.
For example, when the user triggers the operation of the payment key after shopping in an online store, the processor acquires the information of the payer and determines the first payment mode based on the information of the payer, and the user can directly pay in the first payment mode after determining the first payment mode because the processor receives the operation of triggering the payment key before.
Alternatively, for another example, the processor may directly pay in the first payment method when receiving the preset operation after determining the first payment method based on the payer information.
Or when the user selects a payment mode to pay after shopping in the physical store, the processor can acquire the information of the payer, determine the first payment mode based on the information of the payer, and directly switch to the first payment mode to pay when the payment mode selected by the user is different from the first payment mode.
The first payment method in the application can be referred to as various electronic payment methods, such as pay treasure, weChat, cloud flash payment, applet pay, and the like.
Therefore, in the embodiment, the first payment mode can be automatically determined based on the payee information, and the payment amount paid by the first payment mode is lower than the amount due to the purchased article, that is, the sales promotion information issued by the payee can be executed by the first payment mode, that is, the automatic determination of the first payment mode of the sales promotion information issued by the payee can be realized, the manual selection of the user is not needed, the user does not need to know in advance, and the user experience is improved.
In one form of the invention, the first payment means may comprise an account of a third party bank, and then if payment to the receiving merchant is initiated in the first payment means, the payment amount of the third party bank is less than the amount due for the items purchased at the receiving merchant.
That is to say, the payment platform corresponding to the first payment method and the account of the third party bank establish a binding relationship, and when the first payment method initiates payment to the receiving merchant, the actual payment object is the third party bank.
In this embodiment, the processor is configured to automatically determine a first payment method based on the payee information, specifically: the processor is used for determining a target bank with execution authority of issuing information of a receiving merchant based on information of a receiving party, determining a target payment platform with binding relation with an account of the target bank, determining the target payment platform as a first payment mode, and setting an account of a third party bank used by the target payment platform as the account of the target bank.
The issuing information of the receiving merchant comprises a discount strategy issued by the receiving merchant, and the target bank with the execution authority of the issuing information of the receiving merchant refers to the discount strategy which can be enjoyed in the issuing information by paying with the account of the target bank.
When it can be determined that the target bank indicates that the payee information includes the target bank having an association relationship with the payee, it may be understood that the payee information may include the issuing information of the payee or may not include the issuing information of the payee, and the determination of the target bank is not affected by not including the issuing information of the payee.
The payment platform installed in the electronic device can bind accounts of various banks, and then a target payment platform having a binding relationship with the account of the target bank is determined in the payment platform of the electronic device. If payment to the receiving merchant is initiated in a first payment manner, the payment amount of the target bank is less than the amount due for the items purchased at the receiving merchant.
Specifically, the payment amount may be determined based on the purchased article information and the issuing information of the execution authority that the target bank has.
It should be noted that, the target payment platform has a possibility that a plurality of third party bank accounts are bound to the target payment platform, and in this embodiment, the third party bank account used by the target payment platform has been set as the target bank account, so if the payment to the receiving merchant is initiated in the first payment manner, the payment is preferentially performed by using the target bank account. The receiving merchant is referred to as a receiving merchant corresponding to the receiving party information, and because the target bank in this embodiment is determined based on the receiving party information, only if the first paying party initiates payment to the receiving merchant corresponding to the receiving party information, the account of the target bank is preferentially and automatically used.
In another embodiment of the present invention, the processor may further determine a target account type of the target bank based on the payee information, where the target bank account type bound by the target payment platform is the target account type, and the set third party bank account type used by the target payment platform is the target account type.
In another mode, the payment platform corresponding to the first payment mode can directly initiate payment for the payee merchant, namely the payment amount of the payment platform corresponding to the first payment mode is lower than the amount due to the goods purchased by the payee merchant.
In this embodiment, the processor is configured to automatically determine a first payment method based on the payee information, and specifically, the processor is configured to determine a target payment platform having an execution authority of the issued information of the payee based on the payee information, and determine the target payment platform as the first payment method.
The issuing information of the receiving merchant comprises a preferential strategy issued by the receiving merchant, and the target payment platform with the execution authority of the issuing information of the receiving merchant refers to the preferential strategy which can enjoy the issuing information by adopting the target payment platform to pay.
When it can be determined that the target payment platform indicates that the payee information includes the target payment platform having an association with the payee, it can be understood that the payee information may include the issuing information of the payee or may not include the issuing information of the payee, and the target bank determination is not affected by not including the issuing information of the payee.
Wherein if the payment is made to the receiving merchant in the first payment mode, the payment amount of the target payment platform is lower than the amount due for the items purchased by the receiving merchant. Specifically, the payment amount may be determined based on the purchased article information and the issue information of the execution authority that the target payment platform has.
In a fourth embodiment of the apparatus of the present invention, the processor is further configured to determine whether an amount due to the item purchased by the receiving merchant is greater than or equal to a preset amount due when it is determined that the issuing information of the receiving merchant includes the issuing information of the full subtraction type based on the information of the receiving party and a payment platform or a bank having an execution authority of the issuing information of the full subtraction type is determined, and if so, pay using the first payment method.
In this embodiment, the payee information includes a receiving merchant and a payment platform or a bank having an association relationship with the receiving merchant, and further includes issued information of the receiving merchant and/or a type of the issued information.
It is understood that if the payee information includes the posting information of the payee merchant without including the type of the posting information, it can also be determined whether the posting information is a full minus type of posting information based on the posting information of the payee merchant. Specifically, when the release information includes a preset special keyword, such as "full", "minus", or "go", the release information is determined to be a full-minus type of release information. For example, the release information of the full minus type is "full 1000 minus 200".
Meanwhile, whether the execution authority of the release information with the full and reduced type is a payment platform or a bank can be determined based on the payee information. It should be noted that, if the receiving merchant cooperates with the payment platform or the bank to authorize the execution authority of the full discount type release information to the specified payment platform or the bank, the user can enjoy the full discount using the specified payment platform or the bank.
And when the amount due to the items purchased by the receiving merchant is more than or equal to the preset amount due, the full reduction requirement is met, and in this case, the payment is carried out by using the first payment method. It is noted that the first payment means corresponds to a payment platform or a bank having an execution authority of the release information of the full-reduction type.
And the payment amount paid using the first payment means may be determined based on the full-minus type distribution information and the purchased article information including at least an amount due for the purchased article.
In this embodiment, as an implementation manner of acquiring the item information, when acquiring the payee information, the information of the item purchased by the user at the payee may also be acquired, so that whether the amount due to all items purchased by the payee is greater than or equal to the preset amount due is determined based on the acquired item information, and if so, the payment is directly performed by using the first payment method.
As another implementation manner, the user uses scanning software on the electronic device to acquire purchased article information, when the electronic device detects that the user triggers payment, whether the amount due to all articles purchased by the payee merchant is greater than or equal to a preset amount due is judged based on the acquired article information, and if yes, payment is performed by using a first payment method. It should be noted that the scanning software may also be payment software, if the payment software corresponds to the first payment method, the electronic device directly uses the first payment method for payment, and if the payment software does not correspond to the first payment method, the electronic device switches to the first payment method for payment.
There are of course other implementations for obtaining the amount due for the item purchased by the user at the receiving merchant, such as the user entering the amount due directly on the electronic device. Or for the items purchased by the user from the network, the electronic device can directly acquire the information of the items purchased by the payment receiving merchant, which is within the protection scope of the invention.
In the invention, the issued information of the full deduction type issued by the collection merchant can also be irrelevant to the payment platform or the bank, that is, the user can enjoy the full deduction by selecting any payment platform or bank. Specifically, in the sixth implementation of the apparatus of the present invention, the processor is further configured to determine whether an amount due to the items purchased by the payee merchant is greater than or equal to a preset amount due when it is determined that the issue information of the payee merchant includes an issue information of a full-down type based on the payee information and it is determined that the issue information of the full-down type is only related to the payee merchant itself, and if so, pay using a payment method selected by the user;
wherein the payment amount of the payment is lower than the amount due for the purchased item.
In this embodiment, the payee information includes the payee merchant, and also includes the issue information or the type of the issue information of the payee merchant. When the payee information does not indicate a payment platform or a bank having an association with the receiving merchant or explicitly indicates that the issue information is related only to the receiving merchant, it can be determined that the full-minus type of issue information is related only to the receiving merchant itself.
And when the amount due to the goods purchased by the receiving merchant is more than or equal to the preset amount due, the full-deduction requirement is met, and in this case, the payment method selected by the user is used for payment because the full-deduction can be enjoyed by using any payment method.
In a sixth embodiment of the apparatus of the present invention, the processor is further configured to determine recommendation information based on the full-minus type issue information when the due amount of the item purchased by the payee merchant is less than the preset amount due, and display the recommendation information.
When the amount due for the item purchased by the payee merchant is less than the preset amount due, it may be determined that the item currently purchased by the user cannot enjoy the full discount, and in this case, the recommendation information may be determined based on the full discount type distribution information so as to be displayed to the user.
It should be noted that, if it is defined in the distribution information having the full reduction type that only the specified item can enjoy the full reduction offer, the electronic device can automatically screen out the amount due for the item meeting the full reduction demand based on the acquired item information. Then, the determined recommendation information is also recommendation information that meets the full reduction requirement.
In a seventh embodiment of the apparatus of the present invention, the method for acquiring payee information by the processor includes the following steps:
(1) The processor is used for acquiring payee information based on the code scanning operation of the electronic equipment.
In the prior art, when a user purchases goods and prepares for payment, a cashier scans the goods purchased by the user to generate goods information and the amount due for all goods, and if the user proposes to use electronic payment, the cashier can trigger a payment device to generate payment information such as a two-dimensional code or a bar code, and the user can scan the payment by using electronic payment software.
In the invention, the payee merchant can send the payee information of the payee merchant and the information of the articles purchased by the user to the electronic equipment together when the user uses the electronic payment software to scan the code, so that the electronic equipment determines a first payment mode based on the payee information, if the software of the code scanning operation corresponds to the first payment mode, the electronic equipment directly pays in the first payment mode, and if the software of the code scanning operation does not correspond to the first payment mode, the electronic equipment can prompt the user to change to the first payment mode or directly switch the electronic equipment to the first payment mode for payment.
Of course, the embodiment is not limited to the above application example, and the payee merchant may also generate the scan information based on only the payee information, so that the user can perform a scan operation on the scan information by using the electronic device, so that the processor obtains the payee information, and then determines the first payment method based on the payee information.
(2) The method comprises the steps of obtaining the current geographic position of the electronic equipment, and obtaining payee information based on the current geographic position.
In this way, the electronic device starts the positioning function, so as to obtain the current geographic position of the electronic device, and thus obtain payee information based on the current geographic position. Specifically, the processor may determine whether the geographic identifier of the current geographic location is a preset type of geographic identifier, such as a shopping place, and if so, the electronic device may search an official website of the geographic identifier and obtain payee information from the official website, specifically, obtain the payee information at a location, such as a web browser, an announcement number of the geographic identifier of the designated software, or the like; or, the payee information related to the geographic identification is searched on the release information of various electronic payment software installed therein.
The geographical identification corresponds to the payee merchant.
(3) Receiving payee information sent by a payee merchant where the electronic equipment is located currently.
In this way, when the electronic device is in the jurisdiction of the receiving merchant, the receiving merchant can automatically send the receiving party information to the electronic device, and specifically, the electronic device can receive the receiving party information sent by the receiving merchant through various receiving methods such as short message, weChat, QQ and the like.
(4) And receiving payee information sent by the second electronic equipment when the electronic equipment is determined to trigger payment.
It is noted that the electronic device triggering payment refers to when payment is prepared but not completed.
In the prior art, when a user purchases an item and prepares for checkout, a cashier scans the item purchased by the user, thereby generating item information and an amount due for all items. If the user proposes to use the electronic payment, the user can generate payment information such as a payment bar code or a payment two-dimensional code through electronic payment software, a cashier sets the amount of money to be collected, and the payment information is scanned through a scanning gun, so that the money collection is realized. Or, if the user proposes to pay by using a bank card, the user can approach the bank card to the card reader, and then the cashier sets the collection amount, and collection can be realized based on the card reader.
In the invention, the payee merchant sets payee information by using the second electronic device, and sends the payee information to the electronic device when the scanning gun scans the payment information. Or the user approaches the electronic device to the card reader, and the payee merchant transmits payee information to the electronic device by using the second electronic device.
It should be noted that, when the user uses the electronic payment software to trigger payment, and after receiving the payee information sent by the second electronic device and determining the first payment mode, the electronic device allows the second electronic device to successfully receive payment if the software triggering payment corresponds to the first payment mode. That is to say, the second electronic device may set a collection amount before scanning the payment information through the scanning gun, enter a to-be-collected mode and send the payee information to the electronic device when the scanning gun scans the payment information, and switch to the collection mode to collect the payment when the electronic device allows the second electronic device to collect the payment successfully.
And if the software triggering payment does not correspond to the first payment mode, the electronic equipment is switched to the first payment mode and controls a payment platform corresponding to the first payment mode to generate payment information for the payment receiving merchant to receive payment. It should be noted that, when the second electronic device performs scanning again, the payee information may be sent to the electronic device again, or when it is determined that the amount of money to be paid or the item information is not changed when the second electronic device performs scanning again, the payee information does not need to be sent to the electronic device, but enters a payment mode, and the payment is directly received.
(5) And acquiring payee information when the electronic equipment triggers payment.
Note that the electronic device triggering payment refers to when payment is accurate but not completed.
This way corresponds to the case of the user purchasing goods online, when the user purchases goods in the online shop and clicks payment, the electronic device acquires payee information, thereby determining a first payment way based on the payee information, preferentially recommending the first payment way to the user, or directly controlling the electronic device to pay in the first payment way.
The embodiments in the present description are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other. The device disclosed in the embodiment corresponds to the method disclosed in the embodiment, so that the description is simple, and the relevant points can be referred to the description of the method part.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (9)
1. A method of data processing, the method comprising:
acquiring payee information and article information, wherein the payee information corresponds to a payee, and the article information is the information of articles purchased by the payee;
automatically determining a first payment method based on the payee information; wherein if payment to the receiving merchant is initiated in the first payment manner, the payment amount is less than the amount due for the items purchased at the receiving merchant;
determining that the issuing information of the receiving merchant comprises full-minus type issuing information based on the payee information, and determining a payment platform or a bank having an execution authority of the full-minus type issuing information;
when the electronic equipment detects that the user triggers the payment operation, whether the amount due to the goods purchased by the receiving merchant is larger than or equal to a preset amount due is judged based on the goods information, and if yes, the payment is carried out by using the first payment method.
2. The method of claim 1, wherein the first payment method comprises an account of a third party bank, and the third party bank has a payment amount that is less than an amount due for items purchased at the receiving merchant if payment to the receiving merchant is initiated in the first payment method.
3. The method of claim 2, wherein automatically determining a first payment method based on the payee information comprises:
determining a target bank having an execution authority of the issued information of the receiving merchant based on the receiver information;
determining a target payment platform having a binding relationship with an account of the target bank;
and determining the target payment platform as a first payment mode, and setting an account of a third party bank used by the target payment platform as an account of the target bank.
4. The method of claim 1, wherein automatically determining a first payment method based on the payee information comprises:
determining a target payment platform having enforcement rights of the issued information of the receiving merchant based on the payee information;
and determining the target payment platform as a first payment mode.
5. The method of claim 1, further comprising:
determining that the full minus type of the issued information is only relevant to the receiving merchant itself;
when the amount due to the goods purchased by the receiving merchant is more than or equal to the preset amount due, paying by using a payment mode selected by the user;
wherein the payment amount of the payment is less than the amount due for the purchased item.
6. The method according to claim 5 or the method, wherein when the due of the item purchased by the receiving merchant is less than the preset amount due, the recommendation information is determined based on the full minus type issue information;
and displaying the recommendation information.
7. The method of claim 1, wherein obtaining payee information comprises:
acquiring payee information based on the code scanning operation of the electronic equipment;
or acquiring the current geographical position of the electronic equipment, and acquiring payee information based on the current geographical position;
or receiving payee information sent by a current payee merchant where the electronic equipment is located;
or receiving payee information sent by the second electronic device when the second electronic device determines that the electronic device triggers payment;
or acquiring payee information when the electronic device triggers payment.
8. An electronic device, comprising:
a processor for obtaining payee information and item information, automatically determining a first payment method based on the payee information; the payee information corresponds to a payee, and the article information is the article information purchased by the payee; if payment is initiated to the receiving merchant in the first payment method, the payment amount is less than the amount due for the purchase at the receiving merchant; determining that the issuing information of the receiving merchant comprises full-minus type issuing information based on the payee information, and determining a payment platform or a bank having an execution authority of the full-minus type issuing information; when the electronic equipment detects that the user triggers the payment operation, judging whether the amount due to the goods purchased by the receiving merchant is larger than or equal to a preset amount due based on the goods information, and if so, paying by using the first payment method;
a memory for storing a program running on the processor.
9. The electronic device of claim 8, wherein the first payment method comprises an account of a third party bank, then if payment to the receiving merchant is initiated in the first payment method, the third party bank has a payment amount that is less than an amount due for the item purchased at the receiving merchant.
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