CN108764913A - Common method of payment, device, system and storage medium based on multi-user - Google Patents
Common method of payment, device, system and storage medium based on multi-user Download PDFInfo
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- CN108764913A CN108764913A CN201810771893.8A CN201810771893A CN108764913A CN 108764913 A CN108764913 A CN 108764913A CN 201810771893 A CN201810771893 A CN 201810771893A CN 108764913 A CN108764913 A CN 108764913A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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Abstract
The invention discloses a kind of, and common method of payment, device, system and storage medium based on multi-user improve user experience to simplify the payment flow that multi-user pays jointly.Common payment system based on multi-user, including：Electronic payment terminal, the electronic payment account information for obtaining each payment user；Common payment request is sent to cloud server；Cloud server, for according to the electronic payment account information content carried in common payment request, generating the e-payment order of respective numbers；The user terminal logged according to each electronic payment account information searching；Respectively e-payment order is sent to each user terminal found；After receiving e-payment confirmation request, electronic order payment is completed for corresponding electronic payment account；User terminal receives e-payment order for display and is supplied to user；After the payment affirmation instruction for receiving user, e-payment confirmation request is sent to cloud server.
Description
Technical field
The present invention relates to e-payment technical field more particularly to a kind of common method of payment based on multi-user, device,
System and storage medium.
Background technology
E-payment is also referred to as mobile-phone payment, user using its mobile terminal (being typically mobile phone) to the commodity consumed or
A kind of mode that service is paid.User is by mobile device, internet or closely senses directly or indirectly to bank
Financial institution sends payment instruction and generates currency Zhi Fuyu fund displacement behaviors, to realize electronic payment function.E-payment
Terminal device, internet, application provider and financial institution are blended, provide the finance such as currency payment, payment to the user
Business.
Payment is suitable for the application scenarios that multiple users are paid for same order to multi-user jointly.The prior art
In, when multi-user pays same order jointly, one of user is needed to pay entire order alone, after payment is completed, hair
Multi-user's payment is played, the user for participating in payment is selected from the buddy list of oneself, and fills in each user and needs the amount of money paid
It initiates gathering afterwards to ask, in the above process, operating process is cumbersome, reduces user experience.
Invention content
The embodiment of the present invention provides a kind of common method of payment, device, system and storage medium based on multi-user, to
Simplify the payment flow that multi-user pays jointly, improves user experience.
In a first aspect, a kind of common payment system based on multi-user is provided, including：
Electronic payment terminal, user obtain the electronic payment account information of each payment user；It is sent altogether to cloud server
Same payment request carries each electronic payment account information of acquisition in the common payment request；
Cloud server, for after receiving common payment request, being believed according to the electronic payment account wherein carried
The quantity of breath generates the e-payment order of respective numbers；And corresponding electricity is logged according to each electronic payment account information searching
The user terminal of sub- disbursement account；And the e-payment order is sent to each user terminal found respectively；It is connecing
After receiving e-payment confirmation request, according to the electronic payment account information wherein carried, for corresponding e-payment account
Complete electronic order payment in family；
User terminal receives e-payment order for display and is supplied to user；And in the branch for receiving user
It pays after confirming instruction, sends e-payment confirmation request to the cloud server, taken in the e-payment confirmation request
With the electronic payment account information.
Optionally, the electronic payment account information includes the graphic code of electronic payment account；And
The user terminal is additionally operable to the graphic code of display electronic payment account；
The electronic payment terminal obtains the electronic payment account information for scanning the graphic code.
Optionally, the electronic payment account information includes the biological characteristic letter of the corresponding payment user of electronic payment account
Breath；And
The electronic payment terminal, the biological characteristic letter for obtaining the corresponding payment user of the electronic payment account
Breath.
Optionally, the biological information includes following at least one：Vocal print feature information, fingerprint feature information, rainbow
Film characteristic information and facial image feature information.
Second aspect provides a kind of common method of payment based on multi-user, including：
Cloud server receives the common payment request that electronic payment terminal is sent, and is carried in the common payment request
The electronic payment account information of the electronic payment account paid jointly is completed, the electronic payment account information is the electronics branch
Pay what terminal obtained；
According to the quantity of the electronic payment account information carried in the common payment request, the electronics of respective numbers is generated
Pay invoice；
The user terminal of corresponding electronic payment account is logged according to each electronic payment account information searching；
Respectively the e-payment order is sent to each user terminal found；
After receiving e-payment confirmation request, according to the electronic payment account information wherein carried, for corresponding
Electronic payment account complete electronic order payment, wherein the e-payment confirmation request be the user terminal receiving
The e-payment that user submits confirms what instruction was sent later, and the e-payment confirmation instruction is the user according to the use
The e-payment order that family terminal provides determines whether submission.
Optionally, the electronic payment account information includes the graphic code or electronic payment account pair of electronic payment account
The biological information of the payment user answered.
Optionally, the biological information includes following at least one：Vocal print feature information, fingerprint feature information, rainbow
Film characteristic information and facial image feature information.
The third aspect provides a kind of common payment mechanism based on multi-user, including：
Receiving unit, the common payment request for receiving electronic payment terminal transmission are taken in the common payment request
Electronic payment account information with the electronic payment account for completing to pay jointly, the electronic payment account information are the electricity
What sub- payment terminal obtained；
Generation unit is generated for the quantity according to the electronic payment account information carried in the common payment request
The e-payment order of respective numbers；
Searching unit, the user for logging in corresponding electronic payment account according to each electronic payment account information searching are whole
End；
Transmission unit, for sending the e-payment order to each user terminal found respectively；
Payment unit, for after receiving e-payment confirmation request, according to the electronic payment account wherein carried
Information completes electronic order payment, wherein the e-payment confirmation request is the use for corresponding electronic payment account
Family terminal confirms what instruction was sent later in the e-payment for receiving user's submission, and the e-payment confirms that instruction is described
The e-payment order that user provides according to the user terminal determines whether submission.
Optionally, the electronic payment account information includes the graphic code or electronic payment account pair of electronic payment account
The biological information of the payment user answered.
Optionally, the biological information includes following at least one：Vocal print feature information, fingerprint feature information, rainbow
Film characteristic information and facial image feature information.
Fourth aspect provides a kind of electronic equipment, including at least one processor and at least one processor, wherein
The memory is stored with computer program, when described program is executed by the processor so that on the processor executes
State the step described in any common method of payment based on multi-user.
5th aspect, provides a kind of computer-readable storage medium, is stored with the calculating that can be executed by computing device
Machine program, when described program is run on the computing device so that the computing device executes any of the above-described based on multi-user's
Step described in common method of payment.
Common method of payment, device, system and storage medium provided in an embodiment of the present invention based on multi-user, pass through electricity
Sub- payment terminal directly acquires the electronic payment account information of common payment user and is supplied to cloud server, by cloud service
The e-payment order that pay invoice directly is split as ringing respective numbers by device according to the quantity of electronic payment account information is concurrent
It gives each user terminal and is respectively completed payment, be not necessarily to participate in one of payment user completion jointly in above-mentioned flow and pay
Afterwards user experience is improved to simplify the operating process paid jointly to other initiations gathering flow again.
Other features and advantages of the present invention will be illustrated in the following description, also, partly becomes from specification
It obtains it is clear that understand through the implementation of the invention.The purpose of the present invention and other advantages can be by the explanations write
Specifically noted structure is realized and is obtained in book, claims and attached drawing.
Description of the drawings
Attached drawing described herein is used to provide further understanding of the present invention, and constitutes the part of the present invention, this hair
Bright illustrative embodiments and their description are not constituted improper limitations of the present invention for explaining the present invention.In the accompanying drawings：
Fig. 1 is the structural schematic diagram according to the common payment system based on multi-user of embodiment of the present invention；
Fig. 2 is corresponding between electronic payment account information and biological information according to establishing for mode of the embodiment of the present invention
The flow diagram of relationship；
Fig. 3 is the implementation process diagram according to the common method of payment based on multi-user of embodiment of the present invention；
Fig. 4 is the structural schematic diagram of the common payment mechanism based on multi-user of embodiment of the present invention；
Fig. 5 is the structural schematic diagram according to the computing device of embodiment of the present invention.
Specific implementation mode
In order to improve the safety of e-payment, an embodiment of the present invention provides a kind of electric paying method, device, systems
And storage medium.
It should be noted that the terminal device in the present invention can be PC (full name in English：Personal
Computer, PC), tablet computer, personal digital assistant (Personal Digita l Assistant, PDA), personal communication
Business (full name in English：Personal Communication Service, PCS) terminal devices such as phone, notebook and mobile phone,
Can also be the computer with mobile terminal, for example, it may be portable, pocket, hand-held, built-in computer or
Vehicle-mounted mobile device, the equipment that they can provide a user voice and/or data connectivity, and handed over wireless access network
Change language and/or data.
In addition, term " first " in specification and claims and above-mentioned attached drawing in the embodiment of the present invention, "
Two ", " third " and " 4th " etc. are for distinguishing similar object, without being used to describe specific sequence or precedence.
It should be appreciated that the data used in this way can be interchanged in the appropriate case, so that the embodiments described herein can be in addition at this
In illustrate or description content other than sequence implement.
Below in conjunction with Figure of description, preferred embodiment of the present invention will be described, it should be understood that described herein
Preferred embodiment only for the purpose of illustrating and explaining the present invention and is not intended to limit the present invention, and in the absence of conflict, this hair
The feature in embodiment and embodiment in bright can be combined with each other.
As shown in Figure 1, it is the system structure diagram paid jointly based on multi-user that this law embodiment provides.Packet
Include electronic payment terminal 11, cloud server 12 and user terminal 13.It pays user 10 and is paid for user (i.e. businessman user)
20 can log in cloud server by the e-payment client installed in electronic payment terminal 11 and user terminal 13 respectively
12。
It is communicatively coupled by network between electronic payment terminal 11 and user terminal 13 and cloud server 12, the net
Network can be LAN, wide area network etc..Electronic payment terminal 11 or user terminal 13 can be portable equipment (such as：Mobile phone,
Tablet, laptop etc.), or PC (PC, Personal Computer), cloud server 12 can be
Any equipment for being capable of providing electronic payment service.
Wherein, payment user 10 and be paid for user 20 be utilized respectively electronic payment terminal 11 and user terminal 13 pass through to
Cloud server 12 registration obtain user name, cloud server 12 stored after user succeeds in registration user name and with branch
Pay user 10 and be paid for user 20 setting user password be used as authentication information, continuation payment user 10 be paid for user 20
When logging on cloud server 12, cloud server 12 returns to login page to client, pays user 10 and is paid for using
Login page input authentication information (i.e. user name and user password) that family 20 is shown in client simultaneously submits to cloud server
12, cloud server 12 compares when user submits authentication information with oneself in user's registration whether the authentication information that stores one is shown
Determine whether that user logs in.
After paying user or being paid for user registration success, electronic payment account can be sent to cloud server 12 and be opened
Logical request, to open electronic payment account.After electronic payment account is opened successfully, payment user can also bind itself
Biological characteristic is for e-payment.When it is implemented, payment user can be by the e-payment installed in user terminal 13
At least one biological information below client typing：Vocal print feature information, fingerprint feature information, iris feature information knead dough
Portion's image feature information.As shown in Fig. 2, it is established for cloud server between electronic payment account information and biological information
Correspondence flow diagram, may comprise steps of：
S21, e-payment client send bind request to cloud server.
When it is implemented, user is paid when needing to bind biological information, it can be by being installed in user terminal 13
E-payment client acquire the biological information of itself, for example, vocal print feature information, fingerprint feature information, iris are special
Reference breath and facial image feature information etc. after the completion of collecting biological feature information, are taken from e-payment client to high in the clouds
Business device sends bind request, wherein carrying the biological information of the electronic payment account information and acquisition of payment user.
S22, cloud server establish the corresponding pass between the electronic payment account information received and biological information
It is and stores.
In this step, cloud server is after receiving bind request, first according to the e-payment account wherein carried
Whether the information searching user in family has existed, if it is present in the corresponding biology of electronic payment account information found
The biological information that this acquisition is added in characteristic information establishes the e-payment account received if do not found
Correspondence between family information and biological information.
As shown in table 1, pair between the electronic payment account information and biological information of cloud server storage
It should be related to signal：
Table 1
So far, the binding flow of electronic payment account information and biological information information is completed.
Include graphic code scan module and living things feature recognition in electronic payment terminal involved in the embodiment of the present invention
Module, wherein biological characteristic recognition module may include following at least one：Voiceprint identification module, fingerprint identification module, iris
Identification module and facial picture recognition module.Correspondingly, the biological information involved in the embodiment of the present invention may include with
Under it is any：Vocal print feature information, fingerprint feature information, iris feature information and facial image feature information.
It should be noted that in electronic payment terminal can be that graphic code scan module and biological characteristic recognition module can
Using as independent deployed with devices, as shown in Figure 1 14, or the biological information in electronic payment terminal 11 is adopted
Collect module and graphic code scan module etc..
Based on this, in the common payment system provided in an embodiment of the present invention based on multi-user, electronic payment terminal 11 is used
In the electronic payment account information for obtaining each payment user；Common payment request is sent to cloud server 12, it is described common
Each electronic payment account information of acquisition is carried in payment request；
Cloud server 12, for after receiving common payment request, according to the electronic payment account wherein carried
The quantity of information generates the e-payment order of respective numbers；And it is logged according to each electronic payment account information searching corresponding
The user terminal of electronic payment account；And the e-payment order is sent to each user terminal 13 found respectively；
After receiving e-payment confirmation request, according to the electronic payment account information wherein carried, for corresponding electronics branch
Family completion electronic order of paying the bill is paid；
User terminal 13 receives e-payment order for display and is supplied to user；And receiving user's
After payment affirmation instruction, e-payment confirmation request, the e-payment confirmation request are sent to the cloud server 12
In carry the electronic payment account information.
Wherein, electronic payment account information can be the graphic code of electronic payment account, can also be electronic payment account
The biological information of corresponding payment user.If electronic payment account information can be the graphic code of electronic payment account,
Then electronic payment terminal 11 can obtain electronic payment account information by scanning figure shape code, if electronic payment account information is
Electronic payment account it is corresponding payment user biological information, then electronic payment terminal can be used for obtain e-payment account
The biological information of the corresponding payment user in family is sent after the biological information of electronic payment terminal acquisition payment user
It is identified to cloud server, cloud server identifies jointly according to the biological information that e-payment client is sent
The electronic payment account of payment.
It should be appreciated that can also be carried in the common payment request that electronic payment terminal is sent to cloud server altogether
With the total amount of payment, cloud server is after the electronic payment account information received, according to electronic payment account information
Quantity, determine each electronic payment account amount payable respectively, correspondingly, cloud server is to logging in each e-payment
In the e-payment order that the user terminal of account is sent, including each electronic payment account amount payable.If e-payment
Account information is the biological information of each payment user, then cloud server can be according to each biological characteristic received
Information searches corresponding electronic payment account respectively, and each electronics branch is determined respectively according to the electronic payment account quantity found
It pays the bill family amount payable.
When it is implemented, the corresponding payment of each e-payment account information can also be carried in common payment request
Ratio, cloud server determine that each electronic payment account deals with gold according to the corresponding Payment Proportion of each electronic payment account
Volume, if not carrying Payment Proportion, cloud server is according to electronic payment account quantity mean allocation.
Based on same technical concept, the embodiment of the present invention additionally provides a kind of common method of payment based on multi-user, such as
Shown in Fig. 3, it may comprise steps of：
S31, cloud server receive the common payment request that electronic payment terminal is sent.
Wherein, the electronic payment account for the electronic payment account for completing to pay jointly is carried in the common payment request
Information, the electronic payment account information are what the electronic payment terminal obtained.
S32, according to the quantity of the electronic payment account information carried in the common payment request, generate respective numbers
E-payment order.
S33, the user terminal that corresponding electronic payment account is logged according to each electronic payment account information searching.
S34, to each user terminal for finding the e-payment order is sent respectively.
S35, after receiving e-payment confirmation request, according to the electronic payment account information wherein carried, for
Corresponding electronic payment account completes electronic order payment.
Wherein, the e-payment confirmation request is that the user terminal confirms in the e-payment for receiving user's submission
What instruction was sent later, the e-payment confirms that instruction is that the user orders according to the e-payment that the user terminal provides
Singly determine whether submission.
When it is implemented, payment user shows after receiving e-payment order according to e-payment order jointly
The amount of money and the information such as Merchant name determine whether to pay, if it is determined that payment then submits electronics branch to e-payment client
It pays and confirms instruction, e-payment client sends e-payment confirmation request to cloud server, and cloud server is receiving
After e-payment confirmation request, deducted from corresponding electronic payment account according to the electronic payment account information wherein carried
The corresponding amount of money.
Based on same technical concept, the embodiment of the present invention additionally provides a kind of common payment mechanism based on multi-user, such as
Shown in Fig. 4, including：
Receiving unit 41, the common payment request for receiving electronic payment terminal transmission, in the common payment request
The electronic payment account information for the electronic payment account for completing to pay jointly is carried, the electronic payment account information is described
What electronic payment terminal obtained；
Generation unit 42, it is raw for the quantity according to the electronic payment account information carried in the common payment request
At the e-payment order of respective numbers；
Searching unit 43, the user for logging in corresponding electronic payment account according to each electronic payment account information searching
Terminal；
Transmission unit 44, for sending the e-payment order to each user terminal found respectively；
Payment unit 45, for after receiving e-payment confirmation request, according to the e-payment account wherein carried
Family information completes electronic order payment, wherein the e-payment confirmation request is described for corresponding electronic payment account
User terminal confirms what instruction was sent later in the e-payment for receiving user's submission, and the e-payment confirms instruction for institute
It states the e-payment order that user provides according to the user terminal and determines whether submission.
Optionally, the electronic payment account information includes the graphic code or electronic payment account pair of electronic payment account
The biological information of the payment user answered.
Optionally, the biological information includes following at least one：Vocal print feature information, fingerprint feature information, rainbow
Film characteristic information and facial image feature information.
For convenience of description, above each section is divided by function describes respectively for each module (or unit).Certainly, exist
Implement the function of each module (or unit) can be realized in same or multiple softwares or hardware when the present invention.
Fig. 5 is the hardware of the electronic equipment for common method of payment of the execution based on multi-user that the embodiment of the present invention four provides
Structural schematic diagram, as shown in figure 5, the equipment includes：
One or more processors 510 and memory 520, in Fig. 5 by taking a processor 510 as an example.
Execute the common method of payment based on multi-user equipment can also include：Input unit 530 and output device
540。
Processor 510, memory 520, input unit 530 and output device 540 can pass through bus or other modes
It connects, in Fig. 5 for being connected by bus.
Memory 520 is used as a kind of non-volatile computer readable storage medium storing program for executing, can be used for storing non-volatile software journey
Sequence, non-volatile computer executable program and module, the processing method pair operated such as the list items in the embodiment of the present application
Program instruction/the unit answered is (for example, attached receiving unit shown in Fig. 4 41, generation unit 42, searching unit 43, transmission unit 44
With payment unit 45).Processor 510 is stored in non-volatile software program, instruction and mould in memory 520 by operation
Block, to execute server various function application and data processing, that is, realize above method embodiment based on multi-user
Common method of payment.
Memory 520 may include storing program area and storage data field, wherein storing program area can store operation system
System, the required application program of at least one function；Storage data field can store making for the processing unit operated according to list items
With the data etc. created.In addition, memory 520 may include high-speed random access memory, can also include non-volatile
Memory, for example, at least a disk memory, flush memory device or other non-volatile solid state memory parts.In some realities
It applies in example, it includes the memory remotely located relative to processor 510 that memory 520 is optional, these remote memories can lead to
Cross the processing unit that network connection is operated to list items.The example of above-mentioned network include but not limited to internet, intranet,
LAN, mobile radio communication and combinations thereof.
Input unit 530 can receive the number or character information of input, and generate the processing unit with list items operation
User setting and function control related key signals input.Output device 540 may include that display screen etc. shows equipment.
One or more of modules are stored in the memory 520, when by one or more of processors
When 510 execution, the common method of payment based on multi-user in above-mentioned any means embodiment is executed.
The said goods can perform the common method of payment based on multi-user that the embodiment of the present application is provided, and have the side of execution
The corresponding function module of method and advantageous effect.The not technical detail of detailed description in the present embodiment, reference can be made to the present invention is implemented
The method that example is provided.
The electronic equipment of the embodiment of the present invention exists in a variety of forms, including but not limited to：
(1) mobile communication equipment：The characteristics of this kind of equipment is that have mobile communication function, and to provide speech, data
Communication is main target.This Terminal Type includes：Smart mobile phone (such as iPhone), multimedia handset, functional mobile phone and low
Hold mobile phone etc..
(2) super mobile personal computer equipment：This kind of equipment belongs to the scope of personal computer, there is calculating and processing work(
Can, generally also have mobile Internet access characteristic.This Terminal Type includes：PDA, MID and UMPC equipment etc., such as iPad.
(3) portable entertainment device：This kind of equipment can show and play multimedia content.Such equipment includes：Audio,
Video player (such as iPod), handheld device, e-book and intelligent toy and portable car-mounted navigation equipment.
(4) server：The equipment for providing the service of calculating, the composition of server include that processor, hard disk, memory, system are total
Line etc., server is similar with general computer architecture, but due to needing to provide highly reliable service, in processing energy
Power, stability, reliability, safety, scalability, manageability etc. are more demanding.
(5) other electronic devices with data interaction function.
In some possible embodiments, the various aspects of the common method of payment provided by the invention based on multi-user
It is also implemented as a kind of form of program product comprising program code, when described program product is transported on a computing device
When row, said program code be used to make the computer equipment execute this specification foregoing description according to the various examples of the present invention
Step in the common method of payment based on multi-user of property embodiment, for example, the computer equipment can be executed such as Fig. 3
Shown in step S31, cloud server receive electronic payment terminal send common payment request and step S32, according to institute
The quantity for stating the electronic payment account information carried in common payment request generates the e-payment order of respective numbers, and
Step S33, the user terminal of corresponding electronic payment account is logged according to each electronic payment account information searching；Step S34, divide
The e-payment order is not sent to each user terminal found；With step S35, receive e-payment confirmation ask
After asking, according to the electronic payment account information wherein carried, electronic order payment is completed for corresponding electronic payment account.
The arbitrary combination of one or more readable mediums may be used in described program product.Readable medium can be readable letter
Number medium or readable storage medium storing program for executing.Readable storage medium storing program for executing for example may be-but not limited to-electricity, magnetic, optical, electromagnetic, red
The system of outside line or semiconductor, device or device, or the arbitrary above combination.The more specific example of readable storage medium storing program for executing
(non exhaustive list) includes：Electrical connection, portable disc with one or more conducting wires, hard disk, random access memory
(RAM), read-only memory (ROM), erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disc
Read memory (CD-ROM), light storage device, magnetic memory device or above-mentioned any appropriate combination.
Portable compact disc may be used only in the program product for Dynamic Announce webpage of embodiments of the present invention
It reads memory (CD-ROM) and includes program code, and can run on the computing device.However, the program product of the present invention is not
It is limited to this, in this document, readable storage medium storing program for executing, which can be any, includes or the tangible medium of storage program, which can be by
The either device use or in connection of instruction execution system, device.
Readable signal medium may include in a base band or as the data-signal that a carrier wave part is propagated, wherein carrying
Readable program code.Diversified forms may be used in the data-signal of this propagation, including --- but being not limited to --- electromagnetism letter
Number, optical signal or above-mentioned any appropriate combination.Readable signal medium can also be other than readable storage medium storing program for executing it is any can
Read medium, which can send, propagate either transmission for being used by instruction execution system, device or device or
Program in connection.
The program code for including on readable medium can transmit with any suitable medium, including --- but being not limited to ---
Wirelessly, wired, optical cable, RF etc. or above-mentioned any appropriate combination.
It can be write with any combination of one or more programming languages for executing the program that operates of the present invention
Code, described program design language include object oriented program language-Java, C++ etc., further include conventional
Procedural programming language-such as " C " language or similar programming language.Program code can be fully in user
It executes on computing device, partly execute on a user device, being executed as an independent software package, partly in user's calculating
Upper side point is executed or is executed in remote computing device or server completely on a remote computing.It is being related to far
In the situation of journey computing device, remote computing device can pass through the network of any kind --- including LAN (LAN) or extensively
Domain net (WAN)-be connected to user calculating equipment, or, it may be connected to external computing device (such as utilize Internet service
Provider is connected by internet).
The apparatus embodiments described above are merely exemplary, wherein the unit illustrated as separating component can
It is physically separated with being or may not be, the component shown as unit may or may not be physics list
Member, you can be located at a place, or may be distributed over multiple network units.It can be selected according to the actual needs
In some or all of module achieve the purpose of the solution of this embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that each embodiment can
It is realized by the mode of software plus general hardware platform, naturally it is also possible to pass through hardware.Based on this understanding, above-mentioned technology
Scheme substantially in other words can be expressed in the form of software products the part that the relevant technologies contribute, the computer
Software product can store in a computer-readable storage medium, such as ROM/RAM, magnetic disc, CD, including some instructions to
So that computer equipment (can be personal computer, server either network equipment etc.) execute each embodiment or
Method described in certain parts of embodiment.
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, it will be understood by those of ordinary skill in the art that：It still may be used
With technical scheme described in the above embodiments is modified or equivalent replacement of some of the technical features；
And these modifications or replacements, each embodiment technical solution of the application that it does not separate the essence of the corresponding technical solution spirit and
Range.
Claims (10)
1. a kind of common payment system based on multi-user, which is characterized in that including：
Electronic payment terminal, the electronic payment account information for obtaining each payment user；It is sent to cloud server common
Payment request carries each electronic payment account information of acquisition in the common payment request；
Cloud server, for after receiving common payment request, according to the electronic payment account information wherein carried
Quantity generates the e-payment order of respective numbers；And corresponding electronics branch is logged according to each electronic payment account information searching
It pays the bill the user terminal at family；And the e-payment order is sent to each user terminal found respectively；It is receiving
It is complete for corresponding electronic payment account according to the electronic payment account information wherein carried after e-payment confirmation request
It is paid at electronic order；
User terminal receives e-payment order for display and is supplied to user；And it is true in the payment for receiving user
Recognize after instruction, sends e-payment confirmation request to the cloud server, carried in the e-payment confirmation request
The electronic payment account information.
2. the system as claimed in claim 1, which is characterized in that the electronic payment account information includes electronic payment account
Graphic code；And
The user terminal is additionally operable to the graphic code of display electronic payment account；
The electronic payment terminal obtains the electronic payment account information for scanning the graphic code.
3. the system as claimed in claim 1, which is characterized in that the electronic payment account information includes electronic payment account pair
The biological information of the payment user answered；And
The electronic payment terminal, the biological information for obtaining the corresponding payment user of the electronic payment account.
4. system as claimed in claim 3, which is characterized in that the biological information includes following at least one：Vocal print
Characteristic information, fingerprint feature information, iris feature information and facial image feature information.
5. a kind of common method of payment based on multi-user, which is characterized in that including：
Cloud server receives the common payment request that electronic payment terminal is sent, and completion is carried in the common payment request
The electronic payment account information of the electronic payment account paid jointly, the electronic payment account information are that the e-payment is whole
What end obtained；
According to the quantity of the electronic payment account information carried in the common payment request, the e-payment of respective numbers is generated
Order；
The user terminal of corresponding electronic payment account is logged according to each electronic payment account information searching；
Respectively the e-payment order is sent to each user terminal found；
After receiving e-payment confirmation request, according to the electronic payment account information wherein carried, for corresponding electricity
Sub- disbursement account completes electronic order payment, wherein the e-payment confirmation request, which is the user terminal, is receiving user
The e-payment of submission confirms what instruction was sent later, and the e-payment, which confirms, to be instructed as the user according to user end
The e-payment order that end provides determines whether submission.
6. method as claimed in claim 5, which is characterized in that the electronic payment account information includes electronic payment account
Graphic code or the biological information of the corresponding payment user of electronic payment account.
7. method as claimed in claim 6, which is characterized in that the biological information includes following at least one：Vocal print
Characteristic information, fingerprint feature information, iris feature information and facial image feature information.
8. a kind of common payment mechanism based on multi-user, which is characterized in that including：
Receiving unit, the common payment request for receiving electronic payment terminal transmission carry in the common payment request
The electronic payment account information of the electronic payment account paid jointly is completed, the electronic payment account information is the electronics branch
Pay what terminal obtained；
Generation unit generates corresponding for the quantity according to the electronic payment account information carried in the common payment request
The e-payment order of quantity；
Searching unit, the user terminal for logging in corresponding electronic payment account according to each electronic payment account information searching；
Transmission unit, for sending the e-payment order to each user terminal found respectively；
Payment unit, for after receiving e-payment confirmation request, according to the electronic payment account information wherein carried,
Electronic order payment is completed for corresponding electronic payment account, wherein the e-payment confirmation request is the user terminal
Confirm what instruction was sent later in the e-payment for receiving user's submission, the e-payment confirms that instruction is user's root
The e-payment order provided according to the user terminal determines whether submission.
9. a kind of electronic equipment, which is characterized in that including at least one processor and at least one processor, wherein described
Memory is stored with computer program, when described program is executed by the processor so that the processor perform claim is wanted
The step of seeking 5~7 any claim the method.
10. a kind of computer-readable storage medium, which is characterized in that it is stored with the computer journey that can be executed by computing device
Sequence, when described program is run on the computing device so that the computing device perform claim requires 5~7 any claims
The step of the method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810771893.8A CN108764913A (en) | 2018-07-13 | 2018-07-13 | Common method of payment, device, system and storage medium based on multi-user |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201810771893.8A CN108764913A (en) | 2018-07-13 | 2018-07-13 | Common method of payment, device, system and storage medium based on multi-user |
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| CN108764913A true CN108764913A (en) | 2018-11-06 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201810771893.8A Pending CN108764913A (en) | 2018-07-13 | 2018-07-13 | Common method of payment, device, system and storage medium based on multi-user |
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| CN (1) | CN108764913A (en) |
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| CN109636520A (en) * | 2018-12-07 | 2019-04-16 | 泰康保险集团股份有限公司 | Processing method, device, medium and the electronic equipment of order |
| CN112581117A (en) * | 2020-12-10 | 2021-03-30 | 中国银联股份有限公司 | Payment method, collection device, payment device and storage medium |
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| CN105654293A (en) * | 2014-12-03 | 2016-06-08 | 阿里巴巴集团控股有限公司 | Payment method and device |
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| CN109636520A (en) * | 2018-12-07 | 2019-04-16 | 泰康保险集团股份有限公司 | Processing method, device, medium and the electronic equipment of order |
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