CN108520417A

CN108520417A - Method of payment, device, server, payment terminal and computer-readable medium

Info

Publication number: CN108520417A
Application number: CN201810234385.6A
Authority: CN
Inventors: 李辉
Original assignee: Guangdong Oppo Mobile Telecommunications Corp Ltd
Current assignee: Shenzhen Huantai Digital Technology Co ltd
Priority date: 2018-03-21
Filing date: 2018-03-21
Publication date: 2018-09-11
Anticipated expiration: 2038-03-21
Also published as: CN108520417B

Abstract

The embodiment of the present application discloses a kind of method of payment, device, server, payment terminal and computer-readable medium, belongs to payment technical field, this method includes：The identity information and payment amount, the identity information for obtaining payment terminal transmission are acquired by the payment terminal；Determine target payment accounts corresponding with the identity information；The payment amount is deducted from the account balance of the target payment accounts, to complete to pay.User need not carry bank card, also not need carrying mobile phone, by way of typing identity information, it will be able to complete consumption, improve user experience.

Description

Method of payment, device, server, payment terminal and computer-readable medium

Technical field

This application involves payment technical fields, more particularly, to a kind of method of payment, device, server, payment terminal and meter Calculation machine readable medium.

Background technology

Current cashless payment system, including two kinds of POS terminal and mobile-phone payment.User is paid using POS terminal, is needed Carry bank card, bankcard consumption, and mobile-phone payment, need user to use mobile phone, the payment two shown by businessman's scanning cell phone The gathering Quick Response Code of code or user using mobile phone scanning businessman is tieed up, to complete to pay, user needs to carry bank card or hand Machine could completely be paid, inconvenient.

Invention content

Present applicant proposes a kind of method of payment, device, server, payment terminal and computer-readable mediums, to improve Drawbacks described above.

In a first aspect, the embodiment of the present application provides a kind of method of payment, including：Obtain the identity letter that payment terminal is sent Breath and payment amount, the identity information are acquired by the payment terminal；Determine target payment corresponding with the identity information Account；The payment amount is deducted from the account balance of the target payment accounts, to complete to pay.

Second aspect, the embodiment of the present application also provides a kind of methods of payment, including：Acquire identity letter input by user Breath；The identity information and payment amount are sent to server, it is corresponding with the identity information to indicate that the server is determined Target payment accounts, the payment amount is deducted from the account balance of the target payment accounts, to complete to pay.

The third aspect, the embodiment of the present application also provides a kind of payment mechanisms, including：Acquiring unit, searching unit and branch Pay unit.Acquiring unit, identity information and payment amount for obtaining payment terminal transmission, the identity information is by the branch Pay terminal acquisition.Searching unit, for determining target payment accounts corresponding with the identity information.Payment unit, for from The payment amount is deducted in the account balance of the target payment accounts, to complete to pay.

Fourth aspect, the embodiment of the present application also provides a kind of payment mechanisms, including：Collecting unit and transmission unit.It adopts Collect unit, for acquiring identity information input by user.Transmission unit, for the identity information and payment amount to be sent to Server indicates that the server determines target payment accounts corresponding with the identity information, from the target payment accounts Account balance in deduct the payment amount, to complete to pay.

5th aspect, the embodiment of the present application also provides a kind of server, including memory and processor, the memories It is coupled with the processor.The memory store instruction, when executed by the processor so that the processing Device executes following operation：The identity information and payment amount that payment terminal is sent are obtained, the identity information is whole by the payment End acquisition；Determine target payment accounts corresponding with the identity information；It is detained from the account balance of the target payment accounts Except the payment amount, to complete to pay.

6th aspect, the embodiment of the present application also provides a kind of payment terminals, which is characterized in that including memory and processing Device, the memory are coupled with the processor；The memory store instruction, when executed by the processor So that the processor executes following operation：Acquire identity information input by user；The identity information and payment amount are sent out It send to server, indicates that the server determines target payment accounts corresponding with the identity information, paid from the target The payment amount is deducted in the account balance of account, to complete to pay.

7th aspect, the embodiment of the present application also provides a kind of computers for the program code that can perform with processor can Medium is read, said program code makes the processor execute the above method.

Method of payment, device, server, payment terminal and computer-readable medium provided by the embodiments of the present application, are being propped up When paying, user inputs identity information, and then terminal or whois lookup are paid a bill to target branch corresponding with identity information Number, the account balance deducted in target payment accounts is corresponded to according to payment amount, completes payment.Therefore, user need not carry Bank card does not need carrying mobile phone yet, by way of typing identity information, it will be able to complete consumption, improve user experience Degree.

Other feature and advantage of the embodiment of the present application will illustrate in subsequent specification, also, partly from specification In become apparent, or understood by implementing the embodiment of the present application.The purpose of the embodiment of the present application and other advantages can It realizes and obtains by specifically noted structure in the specification, claims and attached drawing write.

Description of the drawings

In order to more clearly explain the technical solutions in the embodiments of the present application, make required in being described below to embodiment Attached drawing is briefly described, it should be apparent that, the accompanying drawings in the following description is only some embodiments of the present application, for For those skilled in the art, without creative efforts, it can also be obtained according to these attached drawings other attached Figure.

Fig. 1 shows method of payment provided by the embodiments of the present application and the application scenario diagram of device；

Fig. 2 shows the method flow diagrams for the method for payment that one embodiment of the application provides；

Fig. 3 shows the schematic diagram of payment interface provided by the embodiments of the present application；

Fig. 4 shows the schematic diagram for the identity information input interface that one embodiment of the application provides；

Fig. 5 shows the schematic diagram of the display interface for the payment accounts to be selected that one embodiment of the application provides；

Fig. 6 shows the schematic diagram of the display interface for the payment accounts to be selected that another embodiment of the application provides；

Fig. 7 shows the schematic diagram of pop-up provided by the embodiments of the present application；

Fig. 8 shows the schematic diagram for the identity information input interface that another embodiment of the application provides；

Fig. 9 shows the method flow diagram for the method for payment that another embodiment of the application provides；

Figure 10 shows the method flow diagram for the method for payment that the another embodiment of the application provides；

Figure 11 shows the method flow diagram for the method for payment that the another embodiment of the application provides；

Figure 12 shows the module frame chart for the payment mechanism that one embodiment of the application provides；

Figure 13 shows the module frame chart for the payment mechanism that another embodiment of the application provides；

Figure 14 shows the module frame chart of inquiry server provided by the embodiments of the present application；

Figure 15 shows the module frame chart of payment terminal provided by the embodiments of the present application.

Specific implementation mode

Below in conjunction with attached drawing in the embodiment of the present application, technical solutions in the embodiments of the present application carries out clear, complete Ground describes, it is clear that described embodiments are only a part of embodiments of the present application, instead of all the embodiments.Usually exist The component of the embodiment of the present application described and illustrated in attached drawing can be arranged and be designed with a variety of different configurations herein.Cause This, the detailed description of the embodiments herein to providing in the accompanying drawings is not intended to limit claimed the application's below Range, but it is merely representative of the selected embodiment of the application.Based on embodiments herein, those skilled in the art are not doing The every other embodiment obtained under the premise of going out creative work, shall fall in the protection scope of this application.

It should be noted that：Similar label and letter indicate similar terms in following attached drawing, therefore, once a certain Xiang Yi It is defined, then it further need not be defined and explained in subsequent attached drawing in a attached drawing.Meanwhile the application's In description, term " first ", " second " etc. are only used for distinguishing description, are not understood to indicate or imply relative importance.

Referring to Fig. 1, showing the application scenario diagram of information-pushing method and device provided by the embodiments of the present application.Such as figure Shown in 1, payment terminal 1 and inquiry server 3 are located in wireless network or cable network, payment terminal 1 and inquiry server 3 Carry out data interaction.

In the embodiment of the present application, payment terminal 1 is provided with collecting biological feature information device, the life for acquiring user Object characteristic information.Wherein, which can be fingerprint module, iris capturing device and face acquisition dress It sets, which is used to acquire the finger print information of user, and iris capturing device is used to acquire the iris information of user, face acquisition Device is used to acquire the human face image information of user.As an implementation, payment terminal 1 can be mobile terminal device, Such as may include smart mobile phone, tablet computer, E-book reader, pocket computer on knee, vehicle-mounted computer, wearable shifting Dynamic terminal etc., can also be the POS machine with collecting biological feature information device.

Client can be installed, specifically, client can be mounted in the application of payment terminal 1 in payment terminal 1 Program.Inquiry server 3 can be individual inquiry server, can also be inquiry server cluster, can be local search Server can also be high in the clouds inquiry server.

As an implementation, inquiry server is the server of bank or bank authentication, inquires 3 memory of server Contain the identity information and the corresponding payment accounts of the identity information of the advance typing of user, wherein the identity information can be Biological information can be specifically finger print information, iris information and the human face image information of user.As a kind of implementation Mode, user log in the client in payment terminal using account, in the payment accounts input interface typing user of client Identity information and payment accounts, after the completion of typing, user, which clicks, to submit, and client rises identity information and payment accounts one It send to inquiry server, the identity information of user and payment accounts are corresponded to storage by inquiry server.Wherein, payment accounts can be with It is bank card account number, can also be the account of the application program with payment function.

The embodiment of the present application aims to solve the problem that existing cashless payment mode, user must carrying mobile phone or bank card lack It falls into, referring to Fig. 2, showing a kind of method of payment provided by the embodiments of the present application.It is to hold to inquire server in the present embodiment Row main body describes the implementation process of this method, and specifically, this method includes：S201 to S203.

S201：The identity information and payment amount that payment terminal is sent are obtained, the identity information is by the payment terminal Acquisition.

When buyer selectes commodity, payment terminal is operated by seller or buyer, so that payment terminal shows payment interface, As shown in figure 3, showing payment information and identity information input list in the payment interface, wherein payment information is buyer The relevant information of selected commodity, specifically includes the price of commodity and the description information of commodity, and the description informations of commodity can be with It is the information such as title, model, manufacturer, date of manufacture and the shelf-life of commodity.Wherein, as an implementation, disbursement letter Breath can operate the input unit of payment terminal by buyer or seller and typing is paid as another embodiment Terminal is additionally provided with identification code harvester, the identification code harvester can be dimensional code scanner, bar code scanner or RF Reader, wherein dimensional code scanner is used for Quick Response Code of the scan setting on commodity, is stored in Quick Response Code with obtaining The price of commodity and the description information of commodity, bar code scanner are used for bar code of the scan setting on commodity, to obtain The price of the commodity of bar code storage and the description information of commodity, RF Reader are used for radio frequency of the scan setting on commodity Label, to obtain the price of the commodity of RF tag storage and the description information of commodity.

It should be noted that the payment information shown by the payment interface is corresponding with the selected commodity of user, user The information of input in interface is corresponding with the payment information, i.e., corresponding with the selected commodity of user, that is to say, that this Purchase corresponding to secondary buying behavior corresponds to the selected commodity of user.

In addition, being additionally provided with identity information input list in the payment interface, identity information input list includes that " please select Select the identity information to be inputted " prompt message and identity information selection key, for example, fingerprint, iris shown in Fig. 3 With three buttons of face, user selects one of button, is put into corresponding identity information input interface, for example, user selects Fingerprint button is selected, then enters the input interface of fingerprint, as shown in figure 4, user is paying eventually in fingerprint typing region typing fingerprint After the finger print information success of end acquisition user's typing, identity information and payment amount are sent to inquiring server, furthermore it is also possible to The description information etc. of payment information, such as commodity is sent to inquiry server.By taking Fig. 4 as an example, payment terminal collects user After the finger print information of typing, finger print information and payment amount, the description information of commodity etc. are sent to inquiry server.

Specifically, payment terminal sends payment request to server is inquired, and the identity information and payment amount can pass through The payment request is sent to inquiry server together, can also be first to send identity information and then send payment amount, may be used also To be first to send payment amount and then transmission identity information.

Furthermore, it is contemplated that the identity information of user and the privacy of payment behavior and safety, payment terminal are sent to The relevant information of buying behavior with user such as identity information, payment amount and other payment informations of server is inquired, it can By by transmitting in a manner of encrypted.Specifically, payment terminal by identity information, payment amount and other payment informations etc. with The relevant information of buying behavior at family is encrypted according to cipher mode good with inquiry server commitment in advance, to obtain encryption number According to the encryption data being sent to inquiry server, inquiry server is according to decryption side corresponding with the cipher mode appointed Formula decrypts the encryption data, to obtain the buying behavior with user such as identity information, payment amount and other payment informations Relevant information.Wherein, cipher mode can be symmetric cryptography mode, for example, triple data encryption algorithm, block cipher Deng；Certainly, which can also be asymmetric encryption mode.

S202：Determine target payment accounts corresponding with the identity information.

The corresponding all payment accounts of the identity information are previously stored in inquiry server, are adopted getting payment terminal After the identity information of collection, the corresponding target payment accounts of the identity information are determined.If the identity information only corresponds to a branch The number of paying a bill, then directly using the corresponding payment accounts of the identity information as target payment accounts, if identity information correspondence is more A payment accounts then search all payment accounts corresponding with the identity information, and a mesh is determined from all payment accounts Mark payment accounts are sent out then at this point, identity information and payment amount can be sent to inquiry server simultaneously by payment terminal When giving the payment request of inquiry server, directly identity information, payment amount and the relevant information of commodity etc. are sent to Server is inquired, if user is after the interface of Fig. 4 input identity information, payment terminal is directly by identity information, payment amount And the relevant information of commodity is sent to inquiry server by payment request, inquiry server is determining that identity information is corresponding After target payment accounts, without through user confirming, directly go to complete to pay.

As another embodiment, the specific implementation mode of target payment accounts corresponding with the identity information is determined Can be：In all payment accounts corresponding with the identity information, payment accounts to be selected are determined.Specifically, may be used Using to be by all payment accounts corresponding with the identity information can also be as payment accounts to be selected pair and the identity The corresponding all payment accounts of information are screened according to preset strategy, using the payment accounts after screening as wait for selection payment account Number, specifically, it is described in detail in subsequent embodiment.

Wherein it is possible to be to be inputted after identity information in user interface shown in Fig. 4, payment terminal sends inquiry and asks It asks to inquiry server, the interior identity information and payment information acquired including payment terminal of the inquiry request then inquires clothes , can be corresponding with the mark of commodity by identity information after business device gets Query Information, it avoids getting identity information pair After the payment accounts answered, the commodity bought are not the commodity to be bought of user.

Server is inquired after determining payment accounts to be selected, the payment accounts to be selected are sent to the payment Terminal, payment terminal show the payment accounts to be selected, and can be the mark correspondences in commodity to be purchased specifically Interface in show payment accounts select, then as an implementation, inquiry server acquired in identity information pair There should be the mark of commodity, then inquire after server determines payment accounts to be selected according to the identity information, this is waited selecting Payment accounts and the mark of the commodity transmit to payment terminal and can determine that this waits selecting after payment terminal parsing The mark of the corresponding commodity of payment accounts is then shown in the corresponding interface of the mark of the commodity.As shown in figure 5, to pay row The form of table shows payment accounts to be selected, such as " payment accounts 1, payment accounts 2 and the payment accounts 3 " in Fig. 5, and each branch The number of paying a bill corresponds to a choice box, such as 3 corresponding round frame of payment accounts 1, payment accounts 2 and payment accounts in Fig. 5, uses A payment accounts are chosen then to click payment for example, choosing payment accounts 1 as payment accounts used in this payment in family 1 corresponding round frame of account.Further, it is contemplated that the same commodity are paid using different payment accounts, may be consumed Expense is different, this is because the discount or discount coupon corresponding to payment accounts are different, therefore, selection payment is waited for by described Account is sent to the embodiment that payment terminal is shown, the corresponding favor information of payment accounts to be selected described in acquisition. Specifically, inquiry server memory contains the corresponding favor information of each payment accounts, which includes commodity price Discount information, coupon information completely subtract information, which can extremely be inquired in server by businessman's typing, can also Inquiry server sends a favor information acquisition request at interval of certain time and is obtained to the corresponding terminal of businessman.

The corresponding favor information of payment accounts to be selected and the payment accounts to be selected are sent to the payment Terminal, to indicate that the payment accounts to be selected and corresponding favor information are corresponded to display by the payment terminal.Such as Fig. 6 Shown, in payment list, each payment accounts, which correspond to, shows a favor information, and in Fig. 6, payment accounts 1 correspond to preferential Information 1, payment accounts 2 correspond to favor information 1, and payment accounts 1 correspond to favor information 1, and further, user is clicking the preferential letter When breath, it can show a pop-up, the detailed content of favor information is shown in the pop-up, as shown in fig. 7, favor information 1 corresponding pop-up shows that 1 corresponding detailed content of favor information, user check the detailed content in the pop-up, it can be seen that 1 corresponding complete content of favor information.Closing button is then provided in the pop-up, user clicks the closing button, then pop-up quilt It closes, interface is restored to interface shown in fig. 6, and user chooses one of payment accounts, such as payment accounts 1, clicks payment and presses Button.Alternatively, it is also possible to be that " payment " button is arranged in the pop-up, user clicks the payment button, can directly will be excellent The corresponding payment accounts of favour information are sent to inquiry server as the payment accounts that user chooses.

Then, inquiry server obtains the target payment accounts that the payment terminal is sent, and the target payment accounts are To be selected payment accounts of the user according to the payment terminal and the payment accounts selected.By taking Fig. 5 as an example, user is selecting It after middle payment accounts 1, then clicks again " payment button ", the payment accounts that payment terminal is chosen user, for example, will branch The number of paying a bill 1 is sent to inquiry server and has been determined that and the identity information after inquiry server gets payment accounts 1 Corresponding target payment accounts, using the target payment accounts as payment accounts corresponding with this payment, for paying.Then With this implementation, the identity information and the corresponding payment amount of commodity of payment terminal acquisition are sent at twice, are passed through first The mark of identity information and corresponding commodity is sent to inquiry server by inquiry request, then inquires server and got commodity The corresponding identity information of mark, then after the corresponding target payment accounts of identity information are determined, and target is determined Then the mark of the corresponding commodity of payment accounts after user clicks payment, sends payment request to server is inquired, is somebody's turn to do Include the relevant information of trade mark in payment request, includes at least the mark and payment amount of commodity, then inquire server and get After payment request, it can determine the target payment accounts corresponding to the mark of the commodity in payment request, thus just obtain The correspondence of payment amount and target payment accounts can avoid the amount of money in thread alternating target payment accounts.

In addition, the mode of payment terminal transmission identity information and payment amount is also possible that and first sends payment amount, then send out Send identity information to inquiring server.Specifically, can be when businessman is in the relevant information of typing commodity, it is as shown in Figure 3 Payment amount and the relevant information of commodity are first sent to inquiry server, then inquire Mr. server by interface, payment terminal At the corresponding goods purchase information of the mark of a commodity, the goods purchase information temporarily store the relevant information of commodity and Payment amount etc..After payment terminal acquires identity information input by user, the mark of identity information and commodity is sent To inquiry server, inquiry server determines that the mark of the commodity is corresponding according to the mark of commodity corresponding with identity information Goods purchase information, it is thus just that identity information is corresponding with the relevant information of commodity and payment amount, and then determine identity The corresponding target payment accounts of information, then it is just that target payment accounts are corresponding with the relevant information of commodity and payment amount, with Just delivery operation is completed.

As another embodiment, different payment terminals is different or residing due to the requirement of corresponding businessman Payment system is different, and has different requirements to payment accounts type.For example, in some countries, the payment of VI SA classes is only supported Account, for another example some businessmans only support the bank card number of some specific bank.Accordingly, it is determined that with the identity information pair The specific implementation mode for the target payment accounts answered can also be：Obtain the corresponding support account type of the payment terminal； In all payment accounts corresponding with the identity information, search corresponding with the support matched account type of account type Payment accounts, as the target payment accounts.

Specifically, inquiry server memory contains the mark of payment terminal used in each businessman, the mark of payment terminal Knowledge can be the equipment I D of payment terminal.Businessman is made by payment terminal registration, the user account of businessman and corresponding branch The equal typing inquiry server memory of mark for paying terminal is stored up, the account type that businessman can be supported by payment terminal typing, I.e. the corresponding support account type of payment terminal is sent to inquiry server by businessman in advance, then inquires server by payment terminal Corresponding support account type, storage corresponding with the mark of the user account of businessman and payment terminal.

When the identity information acquired is just sent to inquiry server by payment terminal, at the same by the user account of businessman or At least one of the mark of person's payment terminal is sent to inquiry server, and inquiry server can be found and payment terminal Corresponding support account type.

And each payment accounts corresponding to the identity information of user correspond to an account type, Ke Yishi, in user It is just that each payment accounts set account type when typing corresponding with identity information payment accounts, can also be to look into It is each payment accounts setting account type that server, which is ask, according to payment accounts, for example, payment accounts are bank card numbers, account Type is credit card issuer title, and each bank card number is designed with Bank Identification Number, for example, the first six of bank card number Position, just can determine the corresponding credit card issuer title of the bank card number according to the Bank Identification Number, can determine payment The corresponding account type of account.

After getting identity information, determines the corresponding all payment accounts of identity information, traverse each payment accounts Corresponding account type searches payment accounts corresponding with the support matched account type of account type, as the mesh Mark payment accounts.

S203：The payment amount is deducted from the account balance of the target payment accounts, to complete to pay.

After determining target payment accounts, it will be able to be paid by target payment accounts completion.Specifically, according to branch It pays the amount of money and deducts the corresponding account balance of the target payment accounts, it is assumed that the account balance of target payment accounts is K, payment gold Volume is Z, then the account balance of target payment accounts is revised as K-Z, specifically, can refer to the corresponding preferential letter of payment accounts Breath deducts the account balance of target payment accounts, for example, the corresponding favor information of payment accounts is 7 foldings, then target branch is paid a bill Number account balance be revised as K-0.7*Z.

As an implementation, the inquiry server in the embodiment of the present application is after getting target payment accounts, It determines the corresponding payment server of target payment accounts, retransmits settlement request to the payment server.Wherein, which asks Include title, payment amount, the Business Information etc. of target payment accounts and commodity in asking.

Wherein, which includes the corresponding shroff account number of businessman, then the shroff account number can be that businessman is whole in payment Typing is held, can also be, businessman is inquiring the corresponding shroff account number of typing in server in advance, wherein the shroff account number can To be multiple, and multiple shroff account number is corresponding with merchant identification, wherein and the merchant identification can be the identity information of businessman, For example, the user account etc. of the title of businessman or businessman in some shopping APP.

Then specifically, businessman is in payment terminal typing payment information, as in interface in figure 3 when typing payment information, The typing shroff account number in the payment information, then when payment terminal sends payment request to inquiry server, in the payment request Interior includes shroff account number, and inquiry server, which parses the payment request, can obtain the shroff account number.It is also possible that businessman is only at this Typing merchant identification in payment information wraps when then payment terminal sends payment request to inquiry server in the payment request Merchant identification is included, inquiry server, which parses the payment request, can obtain the merchant identification, then search merchant identification correspondence All shroff account numbers, in all shroff account numbers determine a target shroff account number.

Specifically, inquiry server memory contains the corresponding usage record of shroff account number, which includes gathering account Number gathering record, according to the gathering record from all shroff account numbers obtain target shroff account number, specifically, can be selection The shroff account number used in nearest a period of time can also be to obtain each gathering according to gathering record as target shroff account number Rate is enlivened in the preset time period of account, the highest shroff account number of rate will be enlivened as target shroff account number.It is also possible that After inquiry server gets target payment accounts, the corresponding account type of target payment accounts is can determine, for example, agriculture The corresponding account type of card number of industry bank card is agricultural bank.And the shroff account number of the businessman of server memory storage is inquired, Mei Geshou Money account all correspondences are stored with account type, alternatively, can determine the corresponding account of each shroff account number according to inquiry server Type, for example, shroff account number is bank's card number, and preceding five-digit number is 622843, then judges that the account type of the shroff account number is Agricultural bank.It then inquires server and is being determined the corresponding account type of target payment accounts, in the shroff account number for searching businessman The corresponding shroff account number of the identical account type of corresponding with target payment accounts account type, as target shroff account number.

Payment server gets target shroff account number, target payment accounts, payment gold after getting settlement request Volume and the relevant information of commodity, deduct the payment amount from the account balance of the target payment accounts, that is, change mesh Mark the numerical value of the account balance of payment accounts.Then, increase the payment amount on the account balance of target shroff account number, and It generates and completes payment information to the corresponding terminal of businessman, wherein the payment information includes the relevant information of commodity and target branch The number of paying a bill.

Wherein, target payment accounts can be bank card account number, can also be the account of the application program with payment function Number, then when target payment accounts are the account of the application program with payment function, then target payment accounts are corresponding with more than account Volume, it is also possible to be bundled with bank card account number, then the corresponding payment server of target payment accounts is the application with payment function The corresponding application server of program, then the inquiry server in the embodiment of the present application is after getting target payment accounts, hair Send the first settlement request to the application server, which includes the title of target payment accounts and commodity, payment The amount of money, target shroff account number etc..

Application server judges whether the account balance of target payment accounts is greater than or equal to the payment amount, if greatly In or be equal to, then the payment amount is deducted from the account balance of the target payment accounts, and in target shroff account number Increase the payment amount on account balance；If the account balance of target payment accounts is less than payment amount, it is determined that with this The bank card account number of target payment accounts binding, and the second settlement request is sent to the corresponding bank's inquiry clothes of the bank card account number Be engaged in device, wherein the second settlement request include the titles of commodity, payment amount, target shroff account number and with the target payment accounts The bank card account number of binding.

Bank's inquiry server judges whether the account balance for the bank card account number bound with the target payment accounts is more than Or be equal to payment amount, if it is greater than or be equal to, then from the account balance for the bank card account number bound with the target payment accounts It is middle to deduct the payment amount, and increase the payment amount on the account balance of target shroff account number；If it is less, hair Send prompting message to payment terminal, the prompting message is for reminding this payment failure of user.

Furthermore above-mentioned commodity can be physical commodity, for example, clothes, furniture etc., can also be electronic goods, such as swim Play point certificate.If commodity are electronic goods, then payment server not only need deduct target payment accounts in account balance with And the account balance in increase target shroff account number, it is also necessary to which electronic goods is sent in the commodity remaining sum of buyer.With game For point certificate, target payment accounts are bank card account numbers, then specific payment process can be, inquiry server sends clearing and asks It asks to payment server, payment server deducts institute from the account balance for the bank card account number bound with the target payment accounts Payment amount is stated, and increases the payment amount on the account balance of target shroff account number, and sends goods orders to game Server, wherein the game server is the server belonging to the corresponding user account of point of play certificate to be bought of user.The quotient It include user account, the relevant information of commodity in product order, wherein specifically the bought point of play certificate of the relevant information of commodity Type and quantity, for example, being game money 5000 or diamond 2000 etc..In addition, user account, which is user, is using payment eventually When the purchase electronic goods of end, inputs and inquiry server is uploaded to by payment terminal.It inquires server and is sending settlement request When to payment server, user account is sent to payment server by settlement request.

Game server can get user account and corresponding point of play certificate after getting goods orders, Then the parameter of the corresponding point of play certificate of user account is changed according to the point of play certificate bought, for example, buying the trip in user Before play point certificate, the parameter of the corresponding point of play certificate of user is 100, then the point of play certificate bought is 20, then according to being bought Point of play certificate the parameter of the corresponding point of play certificate of user account is changed after, the parameter of the corresponding point of play certificate of user is 120。

It should be noted that for the safety of payment of user, it can be after determining target payment accounts, it is desirable that Yong Huzai Secondary input password, if password could correctly complete payment.Specifically, described that the target branch is deducted according to the payment amount The corresponding account balance of the number of paying a bill with complete payment specific implementation mode be：Obtain the second biology that the payment terminal is sent Characteristic information；Judge that second biological information biological characteristic corresponding with the pre-stored target payment accounts is believed Whether breath matches；If matching, the corresponding account balance of the target payment accounts is deducted to complete to prop up according to the payment amount It pays.

Specifically, payment terminal is used as the first biological information by the identity information that payment request is sent, in determination Corresponding with identity information target payment accounts, acquire identity information input by user by payment terminal again, as Second biological information.For example, the first biological information is being sent to inquiry server and then secondary aobvious by payment terminal Show identity information input interface, as shown in figure 8, unlike Fig. 3, prompt message is changed to " please select to be inputted again Identity information " wants the type of the identity information of typing in shown identity information input list selection.

Further, in order to improve safety, the second biological information and the first biological information belong to inhomogeneity Type, for example, the first biological information be finger print information, then the second biological information be iris information or facial image, because This, after the first biological information is sent to inquiry server by payment terminal, in display for obtaining the second biological characteristic On the interface of information in shown identity information input list, identity information kind corresponding with the first biological information is shown The mark of the corresponding identity information of other kinds of identity information except class, for example, the first biological information is believed for fingerprint Breath only shows iris information or the corresponding mark of facial image, i.e., only shows then in identity information shown in Fig. 8 input list Show iris and face the two buttons.User selects one of them, and the corresponding identity information of typing, it will be able to ensure the second life Object characteristic information and the first biological information belong to different type.

Then, then judge second biological information biology corresponding with the pre-stored target payment accounts Whether characteristic information matches.In the corresponding biological information of the pre-stored target payment accounts, search and second The similarity of biological information meets the biological information of preset requirement, if can find, then judges the second biology Characteristic information biometric information matches corresponding with the pre-stored target payment accounts, then according to the payment amount The corresponding account balance of the target payment accounts is deducted to complete to pay.If having not been able to find, then the second biology is judged Characteristic information biological information corresponding with the pre-stored target payment accounts mismatches, and sends the first prompting message To payment terminal, so that payment terminal shows first prompting message, it is used to indicate subscriber identity information typing mistake, please be weigh New typing.Then, the second biological information for obtaining user's typing again, up to the second biological information of judgement and in advance The corresponding biometric information matches of the target payment accounts of storage, alternatively, the number re-typed is more than preset value.Such as The number that fruit re-types is more than preset value, then sends the second prompting message to payment terminal so that payment terminal by this second Prompting message is shown, is used to indicate this payment failure of user.

The process that will be detailed below determining payment accounts to be selected, referring to Fig. 9, showing that the embodiment of the present application carries A kind of method of payment supplied.In the present embodiment, to inquire server as executive agent, the implementation process of this method is described, specifically Ground, this method include：S901 to S905.

S901：Obtain the identity information of payment amount and payment terminal acquisition that payment terminal is sent.

S902：In all payment accounts corresponding with the identity information, searches account balance and be greater than or equal to payment The payment accounts of the amount of money, as payment accounts to be selected.

Account balance in the corresponding all payment accounts of identity information, and each payment accounts is stored in inquiry clothes It is engaged in device, it is corresponding all to search identity information after getting the payment amount in this payment request for inquiry server In payment accounts, account balance is greater than or equal to the payment accounts of payment amount, using the payment accounts found as to be selected Select payment accounts.

Furthermore, it is contemplated that the account balance in some payment accounts needs to be maintained on certain amount, otherwise will produce Extra-pay influences user's use.For example, the bank card of some banks can be received when amount is less than certain amount of money Small amount administration fee is taken, therefore, is being determined when selecting payment accounts from the corresponding all payment accounts of identity information, it is preferential to select Select the payment accounts that account balance is more than preset value, wherein the preset value is the sum of payment amount and default value, wherein should Default value is set according to the corresponding administration fee of payment accounts, for example, the receipts of the corresponding small amount administration fee of some payment accounts The expense amount of money is less than 300 yuan, then default value is payment amount and the sum of 300 yuan.Therefore, corresponding all when identity information In the number of paying a bill, there are the payment accounts that account balance is greater than or equal to default value, and account balance is greater than or equal to present count The payment accounts of value are used as payment accounts to be selected.It should be noted that due to the different corresponding default values of payment accounts Therefore difference is searched in the corresponding all payment accounts of identity information, if there are account balances to be greater than or equal to default value The specific implementation modes of payment accounts can first determine in the corresponding all payment accounts of identity information, each branch is paid a bill Number corresponding volume account type is obtaining default value corresponding with the account type, then judges more than the accounts of the payment accounts Volume whether be greater than or equal to default value corresponding with the payment accounts, if it is, using the payment accounts as wait for selection prop up The number of paying a bill.

If there is no account balance be greater than or equal to default value payment accounts, then search again account balance be more than or Equal to the payment accounts of payment amount, using the payment accounts found as payment accounts to be selected.

S903：The payment accounts to be selected are sent to the payment terminal to show.

S904：The target payment accounts that the payment terminal is sent are obtained, the target payment accounts are user according to institute The payment accounts stated the payment accounts to be selected shown by payment terminal and selected.

S905：The payment amount is deducted from the account balance of the target payment accounts, to complete to pay.

Operation content corresponding to above-mentioned steps can refer to the description of previous embodiment, and details are not described herein.

Referring to Fig. 10, showing a kind of method of payment provided by the embodiments of the present application.In the present embodiment, to inquire service Device is executive agent, describes the implementation process of this method, and specifically, this method includes：S1001 to S1006.

S1001：Obtain the identity information of payment amount and payment terminal acquisition that payment terminal is sent.

S1002：Obtain the corresponding support account type of the payment terminal.

S1003：In all payment accounts corresponding with the identity information, lookup is matched with the support account type The corresponding payment accounts of account type, as payment accounts to be selected.

According to the corresponding mode for supporting account type to obtain payment accounts to be selected of payment terminal, with above-described embodiment institute Description directly acquires that target payment accounts are similar, and difference lies in this implementations according to the corresponding support account type of payment terminal In, determining that payment accounts to be selected are determined according to the corresponding support account type of payment terminal, it is determined that be selected Payment accounts are selected, then execute the operation of S1004.

Furthermore it is also possible to according to the corresponding support account type of location determination payment terminal of payment terminal, specifically, branch It pays and is equipped with position locating module in terminal, the current location information of payment terminal can be acquired, and the location information is sent to Inquire server, inquiry server the physical location of payment terminal being currently sitting in is determined according to the location information, then obtain with The corresponding support account type of the physical location.For example, inquiry server determines the current of payment terminal according to the location information The physical location being sitting in is the U.S., and in the bank card consumption mode that the U.S. is supported, only support the bank card of VISA types, Accordingly, it is possible to determine that the corresponding support account type of the payment terminal is VISA types.

S1004：The payment accounts to be selected are sent to the payment terminal to show.

S1005：The target payment accounts that the payment terminal is sent are obtained, the target payment accounts are user according to institute The payment accounts stated the payment accounts to be selected shown by payment terminal and selected.

S1006：The payment amount is deducted from the account balance of the target payment accounts, to complete to pay.

1 is please referred to Fig.1, shows a kind of method of payment provided by the embodiments of the present application, is applied to payment terminal, it is intended to solve The defect of certainly existing cashless payment mode, the necessary carrying mobile phone of user or bank card.In the present embodiment, it is with payment terminal Executive agent describes the implementation process of this method, and specifically, this method includes：S1101 and S1102.

S1101：Acquire identity information input by user.

Payment terminal acquires the specific implementation mode of subscriber identity information, can refer to previous embodiment, details are not described herein.

S1102：The identity information and payment amount are sent to inquiry server, indicate that the inquiry server determines Target payment accounts corresponding with the identity information deduct the payment gold from the account balance of the target payment accounts Volume, to complete to pay.

Specifically, payment terminal identity information and payment amount are sent to the specific implementation mode of inquiry server can be with It is identity information and payment amount to be sent to inquiry server by payment request together, inquiry server is getting this After request, parsing obtains identity information and payment amount, directly can determine target payment accounts, example according to identity information Such as, it is that can make there are one payment accounts that identity information, which has only corresponded in a payment accounts or corresponding all payment accounts only, Payment accounts, wherein workable payment accounts indicate that the payment accounts also have sufficient remaining sum without frozen.It determines After target payment accounts, the account balance of target payment accounts is deducted according to payment amount, to complete to pay, specifically Payment process can refer to previous embodiment.

It is also contemplated that first sending payment amount, after getting identity information corresponding with the payment amount, retransmit To inquiry server to search the corresponding target payment accounts of the identity information.It is also possible that payment terminal sends inquiry instruction To the inquiry server, the inquiry instruction includes the mark of the identity information and commodity to be purchased, indicates the inquiry Server determines payment accounts to be selected and returns, waited for described in all payment accounts corresponding with the identity information Buy payment accounts to be selected described in display in the corresponding interface of mark of commodity.Then, user is obtained to wait for based on shown The target payment accounts for selecting payment accounts and choosing, and payment request is sent to the inquiry server, the payment request Mark including the target payment accounts, the payment amount and the commodity to be purchased, indicate the inquiry server from The payment amount is deducted in the account balance of the target payment accounts, to complete the payment of the commodity to be purchased.

Specifically, the operation content corresponding to above-mentioned steps can refer to the description of previous embodiment, and details are not described herein.

2 are please referred to Fig.1, shows a kind of payment mechanism provided by the embodiments of the present application, is applied in inquiry server, purport In the defect for solving existing cashless payment mode, the necessary carrying mobile phone of user or bank card.Specifically, the payment mechanism 1200 include：Acquiring unit 1201, searching unit 1202 and payment unit 1203.

Acquiring unit 1201, for obtain payment terminal transmission identity information and payment amount, the identity information by The payment terminal acquisition.

Searching unit 1202, for determining target payment accounts corresponding with the identity information.

Specifically, in some embodiments, searching unit 1202 is used in all payments corresponding with the identity information In account, payment accounts to be selected are determined；The payment accounts to be selected are sent to the payment terminal to show；It obtains The target payment accounts that the payment terminal is sent, the target payment accounts are user according to shown by the payment terminal Payment accounts to be selected and the payment accounts selected.

Wherein, searching unit 1202 is additionally operable in all payment accounts corresponding with the identity information, searches account Remaining sum is greater than or equal to the payment accounts of payment amount, as payment accounts to be selected.

Wherein, searching unit 1202 is additionally operable to obtain the corresponding support account type of the payment terminal；With the body In the corresponding all payment accounts of part information, searches branch corresponding with the support matched account type of account type and pay a bill Number, as payment accounts to be selected.

Wherein, searching unit 1202 be additionally operable to obtain described in the corresponding favor information of payment accounts to be selected；It is waited for described The selection corresponding favor information of payment accounts and the payment accounts to be selected are sent to the payment terminal, to indicate the branch It pays terminal and the payment accounts to be selected and corresponding favor information is corresponded into display.

In further embodiments, searching unit 1202 is specifically used for obtaining the corresponding support account class of the payment terminal Type；In all payment accounts corresponding with the identity information, search and the matched account type of the support account type Corresponding payment accounts, as the target payment accounts.

Payment unit 1203, for deducting the payment amount from the account balance of the target payment accounts, with complete At payment.

Specifically, payment unit 1203 is used to obtain the second biological information that the payment terminal is sent；Judge institute State whether the second biological information biological information corresponding with the pre-stored target payment accounts matches；If Match, the corresponding account balance of the target payment accounts is deducted to complete to pay according to the payment amount.

It is apparent to those skilled in the art that for convenience and simplicity of description, the device of foregoing description It with the specific work process of unit, can refer to corresponding processes in the foregoing method embodiment, details are not described herein.

3 are please referred to Fig.1, shows a kind of payment mechanism provided by the embodiments of the present application, is applied in payment terminal, it is intended to Solve the defect of existing cashless payment mode, the necessary carrying mobile phone of user or bank card.Specifically, the payment mechanism 1300 Including：Collecting unit 1301 and transmission unit 1302.

Collecting unit 1301, for acquiring identity information input by user.

Transmission unit 1302 is looked into for the identity information and payment amount to be sent to inquiry server described in instruction It askes server and determines target payment accounts corresponding with the identity information, detained from the account balance of the target payment accounts Except the payment amount, to complete to pay.

4 are please referred to Fig.1, the above method and device is based on, is supplied to a kind of inquiry server.The inquiry server 1400 Including memory 1402 and processor 1401, the memory 1402 is coupled with the processor 1401；The memory 1402 Store instruction, when described instruction is executed by the processor 1401 so that the processor 1401 executes the above method.

The memory 1402 can be used for storing software program and module, and the processor 1401 is stored in by operation Software program in the memory 1402 and module, to perform various functions application and data processing.The storage Device 1402 may include high speed random access memory, may also include nonvolatile memory, as one or more magnetic storage device, Flash memory or other non-volatile solid state memories.In some instances, the memory 1402 can further comprise relative to The remotely located memory of the processor 1401, these remote memories can pass through network connection to processor.Above-mentioned net The example of network includes but not limited to internet, intranet, LAN, mobile radio communication and combinations thereof.

5 are please referred to Fig.1, the above method and device are based on, is supplied to a kind of payment terminal 1500.The payment terminal 1500 Including memory 1502, processor 1501 and collecting biological feature information device 1503, the memory 1402 and biological characteristic Information collecting device 1503 is coupled with the processor 1401；1402 store instruction of the memory, when described instruction is by institute It states when processor 1401 executes so that the processor 1401 executes the above method.

Collecting biological feature information device 1503 is used to acquire the identity information of user, the i.e. biological information of user, The identity information acquired is transmitted to processor 1501.Wherein, the collecting biological feature information device can be fingerprint module, Iris capturing device and face harvester, the fingerprint module are used to acquire the finger print information of user, and iris capturing device is for acquiring The iris information of user, face harvester are used to acquire the human face image information of user.

The memory 1502 can be used for storing software program and module, and the processor 1501 is stored in by operation Software program in the memory 1502 and module, to perform various functions application and data processing.The storage Device 1502 may include high speed random access memory, may also include nonvolatile memory, as one or more magnetic storage device, Flash memory or other non-volatile solid state memories.In some instances, the memory 1502 can further comprise relative to The remotely located memory of the processor 1501, these remote memories can pass through network connection to processor.Above-mentioned net The example of network includes but not limited to internet, intranet, LAN, mobile radio communication and combinations thereof.

In conclusion method of payment provided by the embodiments of the present application, device, server, payment terminal and computer-readable Medium, when payment, user inputs identity information, then terminal or whois lookup to mesh corresponding with identity information Payment accounts are marked, the account balance deducted in target payment accounts is corresponded to according to payment amount, complete payment.Therefore, user is not It needs to carry bank card, carrying mobile phone is not needed, by way of typing identity information yet, it will be able to complete consumption, improve User experience.

In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specifically show The description of example " or " some examples " etc. means specific features, structure, material or spy described in conjunction with this embodiment or example Point is contained at least one embodiment or example of the application.In the present specification, schematic expression of the above terms are not It must be directed to identical embodiment or example.Moreover, particular features, structures, materials, or characteristics described can be in office It can be combined in any suitable manner in one or more embodiments or example.In addition, without conflicting with each other, the skill of this field Art personnel can tie the feature of different embodiments or examples described in this specification and different embodiments or examples It closes and combines.

In addition, term " first ", " second " are used for description purposes only, it is not understood to indicate or imply relative importance Or implicitly indicate the quantity of indicated technical characteristic.Define " first " as a result, the feature of " second " can be expressed or Implicitly include at least one this feature.In the description of the present application, the meaning of " plurality " is at least two, such as two, three It is a etc., unless otherwise specifically defined.

Any process described otherwise above or method description are construed as in flow chart or herein, and expression includes It is one or more for realizing specific logical function or process the step of executable instruction code module, segment or portion Point, and the range of the preferred embodiment of the application includes other realization, wherein can not press shown or discuss suitable Sequence, include according to involved function by it is basic simultaneously in the way of or in the opposite order, to execute function, this should be by the application Embodiment person of ordinary skill in the field understood.

Expression or logic and/or step described otherwise above herein in flow charts, for example, being considered use In the order list for the executable instruction for realizing logic function, may be embodied in any computer-readable medium, for Instruction execution system, device or equipment (system of such as computer based system including processor or other can be held from instruction The instruction fetch of row system, device or equipment and the system executed instruction) it uses, or combine these instruction execution systems, device or set It is standby and use.For the purpose of this specification, " computer-readable medium " can any can be included, store, communicating, propagating or passing Defeated program is for instruction execution system, device or equipment or the dress used in conjunction with these instruction execution systems, device or equipment It sets.The more specific example (non-exhaustive list) of computer-readable medium includes following：Electricity with one or more wiring Interconnecting piece (mobile terminal), portable computer diskette box (magnetic device), random access memory (RAM), read-only memory (ROM), erasable edit read-only storage (EPROM or flash memory), fiber device and portable optic disk is read-only deposits Reservoir (CDROM).In addition, computer-readable medium can even is that the paper that can print described program on it or other are suitable Medium, because can be for example by carrying out optical scanner to paper or other media, then into edlin, interpretation or when necessary with it His suitable method is handled electronically to obtain described program, is then stored in computer storage.

It should be appreciated that each section of the application can be realized with hardware, software, firmware or combination thereof.Above-mentioned In embodiment, software that multiple steps or method can in memory and by suitable instruction execution system be executed with storage Or firmware is realized.It, and in another embodiment, can be under well known in the art for example, if realized with hardware Any one of row technology or their combination are realized：With the logic gates for realizing logic function to data-signal Discrete logic, with suitable combinational logic gate circuit application-specific integrated circuit, programmable gate array (PGA), scene Programmable gate array (FPGA) etc..

Those skilled in the art are appreciated that realize all or part of step that above-described embodiment method carries Suddenly it is that relevant hardware can be instructed to complete by program, the program can be stored in a kind of computer-readable storage medium In matter, which includes the steps that one or a combination set of embodiment of the method when being executed.In addition, in each embodiment of the application In each functional unit can be integrated in a processing module, can also be that each unit physically exists alone, can also two A or more than two units are integrated in a module.The form that hardware had both may be used in above-mentioned integrated module is realized, also may be used It is realized in the form of using software function module.If the integrated module realized in the form of software function module and as Independent product sale in use, can also be stored in a computer read/write memory medium.

Storage medium mentioned above can be read-only memory, disk or CD etc..Although having been shown and retouching above Embodiments herein is stated, it is to be understood that above-described embodiment is exemplary, and should not be understood as the limit to the application System, those skilled in the art can be changed above-described embodiment, change, replace and become within the scope of application Type.

Finally it should be noted that：Above example is only to illustrate the technical solution of the application, rather than its limitations；Although The application is described in detail with reference to the foregoing embodiments, those skilled in the art are when understanding：It still can be with Technical scheme described in the above embodiments is modified or equivalent replacement of some of the technical features；And These modifications or replacements, do not drive corresponding technical solution essence be detached from each embodiment technical solution of the application spirit and Range.

Claims

1. a kind of method of payment, which is characterized in that including：

The identity information and payment amount, the identity information for obtaining payment terminal transmission are acquired by the payment terminal；

Determine target payment accounts corresponding with the identity information；

The payment amount is deducted from the account balance of the target payment accounts, to complete to pay.

2. according to the method described in claim 1, it is characterized in that, determination target payment corresponding with the identity information Account, including：

In all payment accounts corresponding with the identity information, payment accounts to be selected are determined；

The payment accounts to be selected are sent to the payment terminal to show；

The target payment accounts that the payment terminal is sent are obtained, the target payment accounts are user according to the payment terminal Shown payment accounts to be selected and the payment accounts selected.

3. according to the method described in claim 2, it is characterized in that, described pay a bill at all corresponding with the identity information In number, payment accounts to be selected are determined, including：

In all payment accounts corresponding with the identity information, the payment that account balance is greater than or equal to payment amount is searched Account, as payment accounts to be selected.

4. according to the method described in claim 2, it is characterized in that, described pay a bill at all corresponding with the identity information In number, payment accounts to be selected are determined, including：

Obtain the corresponding support account type of the payment terminal；

In all payment accounts corresponding with the identity information, search and the matched account type of the support account type Corresponding payment accounts, as payment accounts to be selected.

5. according to the method described in claim 2, it is characterized in that, described be sent to payment eventually by the payment accounts to be selected It holds and is shown, including：

The corresponding favor information of payment accounts to be selected described in acquisition；

The corresponding favor information of payment accounts to be selected and the payment accounts to be selected are sent to the payment terminal, To indicate that the payment accounts to be selected and corresponding favor information are corresponded to display by the payment terminal.

6. according to the method described in claim 1, it is characterized in that, determination target payment corresponding with the identity information Account, including：

Obtain the corresponding support account type of the payment terminal；

In all payment accounts corresponding with the identity information, search and the matched account type of the support account type Corresponding payment accounts, as the target payment accounts.

7. method according to any one of claims 1 to 6, which is characterized in that the identity information is the first biological characteristic Information, it is described that the corresponding account balance of the target payment accounts is deducted to complete to pay according to the payment amount, including：

Obtain the second biological information that the payment terminal is sent；

Judging second biological information biological information corresponding with the pre-stored target payment accounts is No matching；

If matching, the corresponding account balance of the target payment accounts is deducted to complete to pay according to the payment amount.

8. a kind of method of payment, which is characterized in that including：

Acquire identity information input by user；

The identity information and payment amount are sent to server, it is corresponding with the identity information to indicate that the server is determined Target payment accounts, the payment amount is deducted from the account balance of the target payment accounts, to complete to pay.

9. according to the method described in claim 8, it is characterized in that, the identity information and payment amount are sent to service by institute Device indicates that the server determines target payment accounts corresponding with the identity information, from the account of the target payment accounts The payment amount is deducted in number remaining sum, to complete to pay, including：

Send a command to the server, described instruction includes the mark of the identity information and commodity to be purchased, described in instruction Server determines payment accounts to be selected and returns in all payment accounts corresponding with the identity information；

The payment accounts to be selected described in display in the corresponding interface of mark of the commodity to be purchased；

The target payment accounts that user is chosen based on shown payment accounts to be selected are obtained, and send payment request to institute State server, the payment request includes the target payment accounts, the mark of the payment amount and the commodity to be purchased, Indicate that the server deducts the payment amount from the account balance of the target payment accounts, it is described to be purchased to complete The payment of commodity.

10. a kind of payment mechanism, which is characterized in that including：

Acquiring unit, identity information and payment amount for obtaining payment terminal transmission, the identity information is by the payment Terminal acquires；

Searching unit, for determining target payment accounts corresponding with the identity information；

Payment unit, for deducting the payment amount from the account balance of the target payment accounts, to complete to pay.

11. a kind of payment mechanism, which is characterized in that including：

Collecting unit, for acquiring identity information input by user；

Transmission unit indicates the server determination and institute for the identity information and payment amount to be sent to server The corresponding target payment accounts of identity information are stated, the payment amount is deducted from the account balance of the target payment accounts, To complete payment.

12. a kind of server, which is characterized in that including memory and processor, the memory is coupled with the processor；Institute Memory store instruction is stated, when executed by the processor so that the processor executes following operation：

13. a kind of payment terminal, which is characterized in that including memory and processor, the memory is coupled with the processor； The memory store instruction, when executed by the processor so that the processor executes following operation：

Acquire identity information input by user；

14. a kind of computer-readable medium for the program code that can perform with processor, which is characterized in that said program code The processor is set to execute any one of claim 1-7 the methods.