CN109272303A - Electric paying method and device, mobile terminal and readable storage medium storing program for executing - Google Patents
Electric paying method and device, mobile terminal and readable storage medium storing program for executing Download PDFInfo
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- CN109272303A CN109272303A CN201810930555.4A CN201810930555A CN109272303A CN 109272303 A CN109272303 A CN 109272303A CN 201810930555 A CN201810930555 A CN 201810930555A CN 109272303 A CN109272303 A CN 109272303A
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- Prior art keywords
- mobile terminal
- trade company
- payment
- member card
- remaining sum
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- 238000000034 method Methods 0.000 title claims abstract description 45
- 238000003860 storage Methods 0.000 title claims abstract description 16
- 230000027455 binding Effects 0.000 claims abstract description 142
- 238000009739 binding Methods 0.000 claims abstract description 142
- 238000001514 detection method Methods 0.000 claims abstract description 15
- 238000004590 computer program Methods 0.000 claims description 22
- 238000012795 verification Methods 0.000 claims description 10
- 230000006870 function Effects 0.000 description 15
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 9
- 239000010931 gold Substances 0.000 description 9
- 229910052737 gold Inorganic materials 0.000 description 9
- 238000012545 processing Methods 0.000 description 7
- 238000005516 engineering process Methods 0.000 description 5
- 239000000047 product Substances 0.000 description 5
- 238000004519 manufacturing process Methods 0.000 description 4
- 239000013589 supplement Substances 0.000 description 4
- 230000008901 benefit Effects 0.000 description 3
- 238000010586 diagram Methods 0.000 description 3
- 230000005611 electricity Effects 0.000 description 3
- 230000006399 behavior Effects 0.000 description 2
- 229910002056 binary alloy Inorganic materials 0.000 description 2
- 238000010276 construction Methods 0.000 description 2
- 238000009826 distribution Methods 0.000 description 2
- 230000003993 interaction Effects 0.000 description 2
- 230000001737 promoting effect Effects 0.000 description 2
- 238000002310 reflectometry Methods 0.000 description 2
- 230000004044 response Effects 0.000 description 2
- 238000010408 sweeping Methods 0.000 description 2
- 238000013459 approach Methods 0.000 description 1
- 238000004364 calculation method Methods 0.000 description 1
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- 230000001815 facial effect Effects 0.000 description 1
- 230000010365 information processing Effects 0.000 description 1
- 238000010295 mobile communication Methods 0.000 description 1
- 210000000056 organ Anatomy 0.000 description 1
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Classifications
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- 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
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
Abstract
A kind of electric paying method, comprising: detection mobile terminal operates the barcode scanning that trade company pays the bill；If the member card of the unbound trade company of mobile terminal or not set member card remaining sum liquidation expenses are to be paid,as a matter of priority, control mobile terminal is paid using electronic account remaining sum or the mode of bank card quick payment pays the bill to trade company；If mobile terminal is provided with the liquidation expenses are to be paid,as a matter of priority of member card remaining sum, and the remaining sum of the member card for the trade company bound is greater than or equal to Payment Amount, and control mobile terminal pays the bill to trade company using the remaining sum of the member card of the trade company of binding；If mobile terminal is provided with the liquidation expenses are to be paid,as a matter of priority of member card remaining sum, and the remaining sum of the member card of the trade company of binding is less than Payment Amount, it controls mobile terminal first to pay the bill to trade company using the remaining sum of the member card of the trade company of binding, insufficient section reuses the payment of electronic account remaining sum or the mode of bank card quick payment pays the bill to trade company.The present invention also provides a kind of payment devices, mobile terminal and readable storage medium storing program for executing.The efficiency and convenience of payment has can be improved in the present invention.
Description
Technical field
The present invention relates to electronic technology fields, and in particular to a kind of electric paying method and device, mobile terminal and calculating
Machine readable storage medium storing program for executing.
Background technique
With the development of mobile communication technology and electronic technology, various electronic data are more more and more universal, wherein most
Representational is exactly the electronic data card such as bank card, member card one kind.Wherein member card refers to regular identity identification card, packet
Include the member authentication in the consumption place such as market, hotel, fitness center, wineshop.The purposes of member card is very extensive, all to be related to needing
The place for identifying identity all may be used on member card, such as school, club, company, organ, group.Membership-based services
It is a kind of currently popular service management mode, the turn-head-rate of customer can be improved in it, improves customer to business loyalty degree.Very much
Service industry all take such service mode, the form majority of member system all shows as member card.What one company issued
Member card is equivalent to the business card of company, can be publicized on member card with the mark or pattern of printing firm for corporate image,
It is the ideal carrier that company carries out advertising.Member card is issued simultaneously and can also be played and attracts new customer, keeps patron here, is enhanced
The effect of customer loyalty, moreover it is possible to realize the functions such as discounting, integral, customer account management, be a kind of truly feasible increase benefit
Approach.
With popularizing for member card, many trade companies are intended to that respective member card can be provided.But user is using meeting
It might have some inconvenience during member's card.For example, different trade companies needs to provide different member cards, user may forget
Remember information of member card (such as telephone number of binding) and is not available member card.For another example, it when encountering member card Sorry, your ticket has not enough value, uses
Family may wish to brush the money of member card, and insufficient part uses mobile-phone payment, and this combined payment mode cash register efficiency is very
Low, customer experience is also bad.
Summary of the invention
In view of the foregoing, it is necessary to propose a kind of electric paying method and device, mobile terminal and computer-readable deposit
The e-payment of high-accuracy may be implemented in storage media.
The first aspect of the application provides a kind of electric paying method, which comprises
Detection mobile terminal operates the barcode scanning that trade company pays the bill, and obtains the barcode scanning and operates corresponding Payment Amount, trade company
Information；
Judge whether the mobile terminal binds the member card of the trade company according to the merchant information；
If the member card of trade company described in the mobile terminal binding, judge whether the mobile terminal is provided with more than member card
Volume liquidation expenses are to be paid,as a matter of priority；
If the member card of the unbound trade company of mobile terminal, alternatively, if the not set member card of the mobile terminal
Remaining sum liquidation expenses are to be paid,as a matter of priority, is paid using electronic account remaining sum or the mode of bank card quick payment pays the bill to the trade company；
If the mobile terminal is provided with the liquidation expenses are to be paid,as a matter of priority of member card remaining sum, the trade company of the mobile terminal binding is judged
The remaining sum of member card whether be greater than or equal to the Payment Amount；
If the remaining sum of the member card of the trade company of the mobile terminal binding is greater than or equal to the Payment Amount, use
The remaining sum of the member card of the trade company of the mobile terminal binding pays the bill to the trade company；
If the remaining sum of the member card of the trade company of the mobile terminal binding is less than Payment Amount, the movement is first used
The remaining sum of the member card of the trade company of terminal binding pays the bill to the trade company, and insufficient section reuses electronic account remaining sum
The mode of payment or bank card quick payment pays the bill to the trade company.
It is described to judge whether the mobile terminal is provided with member card remaining sum and preferentially props up in alternatively possible implementation
It pays and includes:
Judge whether the member card remaining sum liquidation expenses are to be paid,as a matter of priority switch of the mobile terminal is in an open state；Or
Whether the member card remaining sum liquidation expenses are to be paid,as a matter of priority select button for judging the mobile terminal is selected state.
It is described to be paid using electronic account remaining sum or the mode of bank card quick payment in alternatively possible implementation
Carrying out payment to the trade company includes:
First is sent to electronic account payment system or bank card paying system to withhold transaction request, receives the electronics account
The first payment feedback information that family payment system or bank card paying system return, described first, which withholds, requests corresponding gold of withholing
Volume is the Payment Amount；
The remaining sum of the member card of the trade company using the mobile terminal binding carries out payment packet to the trade company
It includes:
Second is sent to member's card paying system of the trade company to withhold transaction request, receives member's card paying system
The the second payment feedback information returned, described second, which withholds, requests corresponding deducted amount for the Payment Amount；
It is described first to be paid the bill using the remaining sum of the member card of the trade company of the mobile terminal binding the trade company,
Insufficient section reuse electronic account remaining sum payment or bank card quick payment mode to the trade company carry out payment include:
Third is sent to member's card paying system of the trade company to withhold request, receives the third of the payment system return
Feedback information is paid, the third, which is withholdd, requests the member of the trade company of the corresponding deducted amount for the mobile terminal binding
The remaining sum of card；
The 4th is sent to electronic account payment system or bank card paying system to withhold transaction request, receives the electronics account
The 4th payment feedback information that family payment system or bank card paying system return, the described 4th, which withholds, requests corresponding gold of withholing
Volume is the difference of the Payment Amount and the remaining sum.
In alternatively possible implementation, the method also includes:
According to the first payment feedback information, the second payment feedback information, third payment feedback information or the 4th payment
Feedback information exports payment result.
In alternatively possible implementation, the method also includes:
Before paying the bill the trade company, the verification information for obtaining user is verified, if by verifying, to institute
Trade company is stated to pay the bill.
In alternatively possible implementation, the method also includes:
When detecting bindings, corresponding member card is tied to the mobile terminal according to the bindings；
And
When detecting unbundlings operation, is operated according to the unbundlings and unbind corresponding member card from the mobile terminal.
In alternatively possible implementation, the method also includes:
If the member card of the unbound trade company of mobile terminal, issues the unbound prompt information of member card.
The second aspect of the application provides a kind of payment devices, and described device includes:
Detection unit operates the barcode scanning that trade company pays the bill for detecting mobile terminal, and it is corresponding to obtain the barcode scanning operation
Payment Amount, merchant information；
First judging unit, for judging whether the mobile terminal binds the meeting of the trade company according to the merchant information
Member's card；
Second judgment unit judges the mobile terminal if the member card for trade company described in the mobile terminal binding
Whether the liquidation expenses are to be paid,as a matter of priority of member card remaining sum is provided with；
First payment unit, if the member card for the unbound trade company of the mobile terminal, alternatively, if the movement
The not set member card remaining sum liquidation expenses are to be paid,as a matter of priority of terminal, is paid using electronic account remaining sum or the mode of bank card quick payment is to described
Trade company pays the bill；
Third judging unit judges the movement if being provided with the liquidation expenses are to be paid,as a matter of priority of member card remaining sum for the mobile terminal
Whether the remaining sum of the member card of the trade company of terminal binding is greater than or equal to the Payment Amount；
Second payment unit, if the remaining sum of the member card of the trade company for the mobile terminal binding is greater than or equal to
The Payment Amount pays the bill to the trade company using the remaining sum of the member card of the trade company of the mobile terminal binding；
Third payment unit, if the remaining sum of the member card of the trade company for the mobile terminal binding is less than payment gold
Volume first pays the bill to the trade company using the remaining sum of the member card of the trade company of the mobile terminal binding, insufficient section
The mode for reusing the payment of electronic account remaining sum or bank card quick payment pays the bill to the trade company.
The third aspect of the application provides a kind of mobile terminal, and the mobile terminal includes processor, and the processor is used
The electric paying method is realized when executing the computer program stored in memory.
The fourth aspect of the application provides a kind of computer readable storage medium, is stored thereon with computer program, described
The electric paying method is realized when computer program is executed by processor.
The present invention detects mobile terminal and operates to the barcode scanning that trade company pays the bill, and obtains the barcode scanning and operates corresponding payment gold
Volume, merchant information；Judge whether the mobile terminal binds the member card of the trade company according to the merchant information；If the shifting
Dynamic terminal binds the member card of the trade company, judges whether the mobile terminal is provided with member card remaining sum liquidation expenses are to be paid,as a matter of priority；If institute
The member card of the unbound trade company of mobile terminal is stated, alternatively, if the not set member card remaining sum liquidation expenses are to be paid,as a matter of priority of the mobile terminal,
It is paid using electronic account remaining sum or the mode of bank card quick payment pays the bill to the trade company；If the mobile terminal is set
Set member card remaining sum liquidation expenses are to be paid,as a matter of priority, judge the remaining sum of the member card of the trade company of the mobile terminal binding whether be greater than or
Equal to the Payment Amount；If the remaining sum of the member card of the trade company of the mobile terminal binding is greater than or equal to the payment
The amount of money pays the bill to the trade company using the remaining sum of the member card of the trade company of the mobile terminal binding；If the shifting
The remaining sum of the member card of the trade company of dynamic terminal binding is less than Payment Amount, first uses the quotient of the mobile terminal binding
The remaining sum of the member card at family pays the bill to the trade company, and insufficient section reuses the payment of electronic account remaining sum or bank card is quick
The mode of payment pays the bill to the trade company.
The present invention pays entrance by a barcode scanning, supports the member card remaining sum payment of more trade companies；It encounters more than member card
When volume deficiency, insufficient section can be paid using other means of payment automatically, improve the efficiency and convenience of payment.
Detailed description of the invention
Fig. 1 is the flow chart for the electric paying method that the embodiment of the present invention one provides.
Fig. 2 is the structure chart of payment devices provided by Embodiment 2 of the present invention.
Fig. 3 is the schematic diagram for the mobile terminal that the embodiment of the present invention four provides.
Specific embodiment
To better understand the objects, features and advantages of the present invention, with reference to the accompanying drawing and specific real
Applying example, the present invention will be described in detail.It should be noted that in the absence of conflict, embodiments herein and embodiment
In feature can be combined with each other.
In the following description, numerous specific details are set forth in order to facilitate a full understanding of the present invention, described embodiment is only
It is only a part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, ordinary skill
Personnel's every other embodiment obtained without making creative work, shall fall within the protection scope of the present invention.
Unless otherwise defined, all technical and scientific terms used herein and belong to technical field of the invention
The normally understood meaning of technical staff is identical.Term as used herein in the specification of the present invention is intended merely to description tool
The purpose of the embodiment of body, it is not intended that in the limitation present invention.
Preferably, electric paying method of the invention is applied in one or more mobile terminal.The mobile terminal
It is that one kind can be according to the instruction for being previously set or storing, the automatic equipment for carrying out numerical value calculating and/or information processing, hardware
Including but not limited to microprocessor, specific integrated circuit (Application Specific Integrated Circuit,
ASIC), programmable gate array (Field-Programmable Gate Array, FPGA), digital processing unit (Digital
Signal Processor, DSP), embedded device etc..
The mobile terminal, which may be, but not limited to, any one, to pass through keyboard, mouse, remote controler, touch with user
The modes such as plate or voice-operated device carry out the electronic product of human-computer interaction, for example, tablet computer, smart phone, personal digital assistant
(Personal Digital Assistant, PDA), intelligent wearable equipment etc..
Embodiment one
Fig. 1 is the flow chart for the electric paying method that the embodiment of the present invention one provides.The electric paying method is applied to
Mobile terminal.The electric paying method pays entrance by a barcode scanning, supports the member card remaining sum payment of more trade companies；It meets
When to member card, Sorry, your ticket has not enough value, insufficient section can be paid using other means of payment automatically.
As shown in Figure 1, the electric paying method specifically includes the following steps:
Step 101, detection mobile terminal operates the barcode scanning that trade company pays the bill, and obtains the barcode scanning and operates corresponding payment gold
Volume, merchant information.
Mobile terminal can be paid the bill by active barcode scanning or passive barcode scanning, and correspondingly, can detecte mobile terminal is
The no active barcode scanning or passive barcode scanning carried out for payment.For example, the gathering code that mobile terminal can scan trade company is paid the bill,
When detecting the gathering code of mobile scanning terminal trade company, determine that mobile terminal is executing the barcode scanning operation paid the bill trade company.Again
Such as, mobile terminal can be generated payment code and pay the bill for trade company's scanning, when detecting that the payment code is scanned in trade company, determine
Mobile terminal is executing the barcode scanning operation paid the bill trade company.
The disbursement letters such as available Payment Amount, merchant information (such as name of firm, trade company's code name) are operated according to barcode scanning
Breath.For example, barcode scanning operate used in payment code be trade company gathering code, the gathering code includes the payment information, when sweeping
When retouching the gathering code, payment information described in acquisition for mobile terminal.For another example, it is mobile terminal that barcode scanning, which operates used payment code,
Payment code return to the payment information when payment code is scanned in trade company, the mobile terminal reception payment information.
Barcode scanning, which operates used payment code, can be two dimensional code.Two dimensional code is also known as two-dimensional bar code, and common two dimensional code is
QR Code, QR full name Quick Response is an a kind of super popular coding mode in mobile device in recent years, it
More information can be deposited than traditional bar code, can also indicate more data types.
Two dimensional code is with certain specific geometric figure according to certain rules in the black and white phase of plane (on two-dimensional directional) distribution
Between graphic recording data symbol information；In code compilation dexterously using constitute computer-internal logical foundations " 0 ",
The concept of " 1 " bit stream indicates text numerical information using several geometrical bodies corresponding with binary system, passes through image
Input equipment or photoelectric scanning device automatically identifying and reading are to realize automatic processing of information: it has some general character of barcode technology: every
Kind code system has its specific character set；Each character occupies certain width；With certain verifying function etc..Also have simultaneously
To the information automatic identification function and the processing rotationally-varying point of figure that do not go together.
Barcode scanning, which operates used payment code, can also be bar code.Bar code (bar code) is by not equal more of width
A secret note and blank are arranged according to certain coding rule, to express the graphical identifier of a group information.Common bar code
It is the secret note (abbreviation item) to be differed greatly by reflectivity and the pattern of parallel lines that informal voucher (referred to as empty) is lined up.Bar code can mark
Producing country, manufacturing firm, product name, date of manufacture, book classification number, mail start-stop place, classification, date of article etc. are permitted
Multi information, thus be widely used in many fields such as commodity circulation, taking care of books, postal management, banking system.
Step 102, judge whether the mobile terminal binds the member card of the trade company according to the merchant information.
The information of member card for supporting barcode scanning payment can be preset in mobile terminal.It can detecte the support of mobile terminal setting
Barcode scanning payment information of member card in whether include the trade company information of member card, if the mobile terminal setting support sweep
Include the information of member card of the trade company in the information of member card of code payment, then determines trade company described in the mobile terminal binding
Member card.Otherwise, if not including the meeting of the trade company in the information of member card of the support barcode scanning payment of mobile terminal setting
Member's card information, then determine the member card of the unbound trade company of the mobile terminal.
For example, the information of member card of the support barcode scanning payment of mobile terminal setting includes trade company A, trade company B, trade company C
Information of member card.If the merchant information corresponds to trade company A (i.e. mobile terminal is paid the bill to trade company A), described in judgement
The member card of trade company described in mobile terminal binding.
For any trade company, mobile terminal can not bind the member card of the trade company, can also bind one or one with
On member card.For example, two member cards can be tied to the shifting if user has handled two member cards in the trade company
Dynamic terminal.
If the member card of trade company described in the mobile terminal binding, step 103, judge whether the mobile terminal is provided with
Member card remaining sum liquidation expenses are to be paid,as a matter of priority.
One member card remaining sum liquidation expenses are to be paid,as a matter of priority switch can be set in the terminal, for example, in the setting of mobile terminal
The member card remaining sum liquidation expenses are to be paid,as a matter of priority switch is set in option.Detect whether the member card remaining sum liquidation expenses are to be paid,as a matter of priority switch is opening
State.If the member card remaining sum liquidation expenses are to be paid,as a matter of priority switch is in an open state, it is excellent to judge that mobile terminal is provided with member card remaining sum
First pay.Otherwise, if remaining sum liquidation expenses are to be paid,as a matter of priority switch is in off state, judge that the not set member card remaining sum of mobile terminal is excellent
First pay.
Alternatively, can show that a member card remaining sum is excellent in the payment interface (such as payment code display interface) of mobile terminal
First pay select button.Detect whether the member card remaining sum liquidation expenses are to be paid,as a matter of priority select button is selected state.If the member card
Remaining sum liquidation expenses are to be paid,as a matter of priority select button is selected state, then judges that mobile terminal is provided with the liquidation expenses are to be paid,as a matter of priority of member card remaining sum.Otherwise, if
The member card remaining sum liquidation expenses are to be paid,as a matter of priority select button is unselected state, then judges that the not set member card remaining sum of mobile terminal is preferentially propped up
It pays.
If the member card of the unbound trade company of mobile terminal described in step 102, alternatively, if being moved described in step 103
Step 104 dynamic terminal not set member card remaining sum liquidation expenses are to be paid,as a matter of priority is paid or bank card quick payment using electronic account remaining sum
Mode pays the bill to the trade company.
For example, the amount of money to be paid is 450 yuan, if the not set member card remaining sum liquidation expenses are to be paid,as a matter of priority of the mobile terminal, electricity is used
The mode of sub- account balance payment or bank card quick payment pays the bill 450 yuan to the trade company.
Electronic account used in mobile terminal may include Alipay, wechat etc..
The bank card for carrying out quick payment may include any bank (such as industrial and commercial bank, Construction Bank, China Merchants Bank
Deng) bank card.
Specifically, the mobile terminal can send first to electronic account payment system or bank card paying system and withhold
Transaction request, described first, which withholds, requests corresponding deducted amount for the Payment Amount, and receives the electronic account branch
The first payment feedback information that the system of paying or bank card paying system return.The electronic account payment system is for managing electronics
The funds transaction of account.The bank card paying system is used for the funds transaction of management bank's card.
If step 105 mobile terminal described in step 103, which is provided with the liquidation expenses are to be paid,as a matter of priority of member card remaining sum, judges the movement
Whether the remaining sum of the member card of the trade company of terminal binding is greater than or equal to the Payment Amount.
User can prestore certain amount of money in the member card of trade company, for paying the bill the trade company.For example, trade company exists
It promotes or is held during promoting and supplement preferential movable (such as fill 1000 and send 100) with money, user carries out member card to enjoy privileges
It supplements with money.
The mobile terminal can send inquiry into balance request to trade company, and receive the balance information of trade company's return, according to
The balance information judges whether the remaining sum of the member card of the trade company of the mobile terminal binding is greater than or equal to payment gold
Volume.
For example, the remaining sum of the member card of the trade company of the mobile terminal binding is 500 yuan, Payment Amount is 450 yuan,
Then the remaining sum of the member card of the trade company of the mobile terminal binding is greater than Payment Amount.
For another example, the remaining sum of the member card of the trade company of the mobile terminal binding is 500 yuan, and Payment Amount is 850 yuan,
Then the remaining sum of the member card of the trade company of the mobile terminal binding is less than Payment Amount.
If the remaining sum of the member card of the trade company of the mobile terminal binding is greater than or equal to the Payment Amount, step
106, it is paid the bill using the remaining sum of the member card of the trade company of the mobile terminal binding the trade company.
For example, the remaining sum of the member card of the trade company of the mobile terminal binding is 500 yuan, Payment Amount is 450 yuan,
The remaining sum of the member card of the trade company of the mobile terminal binding is greater than Payment Amount, uses the institute of the mobile terminal binding
The remaining sum for stating the member card of trade company pays the bill to the trade company, the member of the trade company of the mobile terminal binding after payment
The remaining sum of card is 50 yuan.
Specifically, the mobile terminal can send the second transaction of withholing to member's card paying system of the trade company and ask
It asks, described second, which withholds, requests corresponding deducted amount for the Payment Amount, and receives member's card paying system and return
The the second payment feedback information returned.Member's card paying system is used to manage the funds transaction of member card.
Otherwise, if the remaining sum of the member card of the trade company of the mobile terminal binding is less than Payment Amount, step 107,
It is first paid the bill using the remaining sum of the member card of the trade company of the mobile terminal binding the trade company, insufficient section makes again
It is paid the bill with the mode of the payment of electronics account balance or bank card quick payment the trade company.
For example, the remaining sum of the member card of the trade company of the mobile terminal binding is 500 yuan, Payment Amount is 850 yuan,
The remaining sum of the member card of the trade company of the mobile terminal binding is less than Payment Amount, then first uses the mobile terminal binding
500 yuan of remaining sum of member card of the trade company pay the bill the trade company, 350 yuan of insufficient section reuse more than electronic account
The mode of volume payment or bank card quick payment pays the bill to the trade company.
Specifically, firstly, the mobile terminal can send third to member's card paying system of the trade company withhold and ask
It asks, the third, which is withholdd, requests the remaining sum of the member card of the trade company of the corresponding deducted amount for the mobile terminal binding,
And receive the third payment feedback information that the payment system returns.Then, the mobile terminal is paid to electronic account is
System or bank card paying system send the 4th and withhold transaction request, and the described 4th withholds, and to request corresponding deducted amount be described pay
The difference of the money amount of money and the remaining sum, and receive the 4th of the electronic account payment system or bank card paying system return
Pay feedback information.
If being appreciated that, the remaining sum of the member card of the trade company of the mobile terminal binding is 0, and then be used directly electronics
The mode of account balance payment or bank card quick payment pays the bill to the trade company.
The first payment feedback information, the second payment feedback information, third payment feedback information, the 4th payment feedback letter
Breath can be the successful feedback information of payment, be also possible to the feedback information of payment failure.
The electric paying method detection mobile terminal of embodiment one operates the barcode scanning that trade company pays the bill, and obtains the barcode scanning behaviour
Make corresponding Payment Amount, merchant information；Judge whether the mobile terminal binds the trade company according to the merchant information
Member card；If the member card of trade company described in the mobile terminal binding, judge whether the mobile terminal is provided with more than member card
Volume liquidation expenses are to be paid,as a matter of priority；If the member card of the unbound trade company of mobile terminal, alternatively, if the not set member of the mobile terminal
Card remaining sum liquidation expenses are to be paid,as a matter of priority, is paid using electronic account remaining sum or the mode of bank card quick payment pays the bill to the trade company；
If the mobile terminal is provided with the liquidation expenses are to be paid,as a matter of priority of member card remaining sum, the member card of the trade company of the mobile terminal binding is judged
Remaining sum whether be greater than or equal to the Payment Amount；If the remaining sum of the member card of the trade company of the mobile terminal binding is big
In or be equal to the Payment Amount, using the trade company of the mobile terminal binding member card remaining sum to the trade company into
Row payment；If the remaining sum of the member card of the trade company of the mobile terminal binding is less than Payment Amount, the movement is first used
The remaining sum of the member card of the trade company of terminal binding pays the bill to the trade company, and insufficient section reuses electronic account remaining sum
The mode of payment or bank card quick payment pays the bill to the trade company.Embodiment one can be paid by a barcode scanning into
Mouthful, support the member card remaining sum payment of more trade companies；When encountering member card Sorry, your ticket has not enough value, other means of payment can be used automatically
Insufficient section is paid, the efficiency and convenience of payment are improved.
In other examples, the electric paying method can also include: when detecting bindings, according to institute
It states bindings and corresponding member card is tied to the mobile terminal；And when detecting unbundlings operation, according to the solution
Operation is tied up to unbind corresponding member card from the mobile terminal.Member card binding set interface can be generated, from the member
Card binding set interface receives the bindings and unbundlings operation, according to the bindings and unbundlings operation binding member card
Or unbundlings member card.For example, the information of member card that set interface receives user's input can be bound in the member card, will use
The corresponding member card of information of member card of family input is tied to the mobile terminal.For another example, it can bind and set in the member card
Member card list that interface display has been bound and unbundlings button are set, according to user to the operation of the unbundlings button by corresponding meeting
Member's card is unbinded from the mobile terminal.If choosing the unbundlings button, to the corresponding member card of the unbundlings button from described
Mobile terminal unbundlings.All unbundlings button can be set, if choosing all unbundlings buttons, bound to all
Member card is unbinded from the mobile terminal.
Step 104, in 106,107, before paying the bill the trade company, the electric paying method can also be wrapped
Include: the verification information for obtaining user is verified, if being paid the bill by verifying the trade company.The verification information can
To include finger print information, voiceprint, iris information, facial information etc..For example, using electronic account remaining sum at step 104
Before the mode of payment or bank card quick payment pays the bill to the trade company, the verification information of available user is tested
Card, if being paid using electronic account remaining sum by verifying or the mode of bank card quick payment paying the bill to the trade company.
For another example, the trade company is paid using the remaining sum of the member card of the trade company of the mobile terminal binding in step 106
Before money, the verification information of available user is verified, if using the described of the mobile terminal binding by verifying
The remaining sum of the member card of trade company pays the bill to the trade company.
The electric paying method can also include: according to it is described first payment feedback information, second payment feedback information,
Third pays feedback information or the 4th payment feedback information exports payment result, to facilitate user or payment result.For example, if
The first payment feedback information, the second payment feedback information, third payment feedback information or the 4th payment feedback information are branch
Successful feedback information is paid, then exports the successful payment result of payment.If the first payment feedback information, the second payment
Feedback information, third payment feedback information or the 4th payment feedback information are the feedback information of payment failure, then export payment and lose
The payment result lost.
If the electric paying method can also include: the member card of the unbound trade company of the mobile terminal, send out
The unbound prompt information of member card out, so that user be facilitated to bind member card.
Embodiment two
Fig. 2 is the structure chart of payment devices provided by Embodiment 2 of the present invention.As shown in Fig. 2, the e-payment
Device 10 may include: detection unit 201, the first judging unit 202, second judgment unit 203, the first payment unit 204,
Three judging units 205, the second payment unit 206, third payment unit 207.
Detection unit 201 operates the barcode scanning that trade company pays the bill for detecting mobile terminal, obtains the barcode scanning operation and corresponds to
Payment Amount, merchant information.
Mobile terminal can be paid the bill by active barcode scanning or passive barcode scanning, and correspondingly, can detecte mobile terminal is
The no active barcode scanning or passive barcode scanning carried out for payment.For example, the gathering code that mobile terminal can scan trade company is paid the bill,
When detecting the gathering code of mobile scanning terminal trade company, determine that mobile terminal is executing the barcode scanning operation paid the bill trade company.Again
Such as, mobile terminal can be generated payment code and pay the bill for trade company's scanning, when detecting that the payment code is scanned in trade company, determine
Mobile terminal is executing the barcode scanning operation paid the bill trade company.
The disbursement letters such as available Payment Amount, merchant information (such as name of firm, trade company's code name) are operated according to barcode scanning
Breath.For example, barcode scanning operate used in payment code be trade company gathering code, the gathering code includes the payment information, when sweeping
When retouching the gathering code, payment information described in acquisition for mobile terminal.For another example, it is mobile terminal that barcode scanning, which operates used payment code,
Payment code return to the payment information when payment code is scanned in trade company, the mobile terminal reception payment information.
Barcode scanning, which operates used payment code, can be two dimensional code.Two dimensional code is also known as two-dimensional bar code, and common two dimensional code is
QR Code, QR full name Quick Response is an a kind of super popular coding mode in mobile device in recent years, it
More information can be deposited than traditional bar code, can also indicate more data types.
Two dimensional code is with certain specific geometric figure according to certain rules in the black and white phase of plane (on two-dimensional directional) distribution
Between graphic recording data symbol information；In code compilation dexterously using constitute computer-internal logical foundations " 0 ",
The concept of " 1 " bit stream indicates text numerical information using several geometrical bodies corresponding with binary system, passes through image
Input equipment or photoelectric scanning device automatically identifying and reading are to realize automatic processing of information: it has some general character of barcode technology: every
Kind code system has its specific character set；Each character occupies certain width；With certain verifying function etc..Also have simultaneously
To the information automatic identification function and the processing rotationally-varying point of figure that do not go together.
Barcode scanning, which operates used payment code, can also be bar code.Bar code (bar code) is by not equal more of width
A secret note and blank are arranged according to certain coding rule, to express the graphical identifier of a group information.Common bar code
It is the secret note (abbreviation item) to be differed greatly by reflectivity and the pattern of parallel lines that informal voucher (referred to as empty) is lined up.Bar code can mark
Producing country, manufacturing firm, product name, date of manufacture, book classification number, mail start-stop place, classification, date of article etc. are permitted
Multi information, thus be widely used in many fields such as commodity circulation, taking care of books, postal management, banking system.
First judging unit 202, for judging whether the mobile terminal binds the trade company according to the merchant information
Member card.
The information of member card for supporting barcode scanning payment can be preset in mobile terminal.It can detecte the support of mobile terminal setting
Barcode scanning payment information of member card in whether include the trade company information of member card, if the mobile terminal setting support sweep
Include the information of member card of the trade company in the information of member card of code payment, then determines trade company described in the mobile terminal binding
Member card.Otherwise, if not including the meeting of the trade company in the information of member card of the support barcode scanning payment of mobile terminal setting
Member's card information, then determine the member card of the unbound trade company of the mobile terminal.
For example, the information of member card of the support barcode scanning payment of mobile terminal setting includes trade company A, trade company B, trade company C
Information of member card.If the merchant information corresponds to trade company A (i.e. mobile terminal is paid the bill to trade company A), described in judgement
The member card of trade company described in mobile terminal binding.
For any trade company, mobile terminal can not bind the member card of the trade company, can also bind one or one with
On member card.For example, two member cards can be tied to the shifting if user has handled two member cards in the trade company
Dynamic terminal.
Second judgment unit 203 judges described mobile whole if the member card for trade company described in the mobile terminal binding
Whether end is provided with the liquidation expenses are to be paid,as a matter of priority of member card remaining sum.
One member card remaining sum liquidation expenses are to be paid,as a matter of priority switch can be set in the terminal, for example, in the setting of mobile terminal
The member card remaining sum liquidation expenses are to be paid,as a matter of priority switch is set in option.Second judgment unit 203 detects the member card remaining sum and preferentially props up
It pays whether switch is in an open state, if member card remaining sum liquidation expenses are to be paid,as a matter of priority switch is in an open state, judges that mobile terminal is set
Member card remaining sum liquidation expenses are to be paid,as a matter of priority is set.Otherwise, if remaining sum liquidation expenses are to be paid,as a matter of priority switch is in off state, judge mobile terminal not
The liquidation expenses are to be paid,as a matter of priority of member card remaining sum is set.
Alternatively, can show that a member card remaining sum is excellent in the payment interface (such as payment code display interface) of mobile terminal
First pay select button.Second judgment unit 203 detects whether the member card remaining sum liquidation expenses are to be paid,as a matter of priority select button is to choose shape
State judges that mobile terminal is provided with member card remaining sum if the member card remaining sum liquidation expenses are to be paid,as a matter of priority select button is selected state
Liquidation expenses are to be paid,as a matter of priority.Otherwise, if the member card remaining sum liquidation expenses are to be paid,as a matter of priority select button is unselected state, judge that mobile terminal is not set
Member card remaining sum liquidation expenses are to be paid,as a matter of priority.
First payment unit 204, if the member card for the unbound trade company of the mobile terminal, alternatively, if described
The not set member card remaining sum liquidation expenses are to be paid,as a matter of priority of mobile terminal, is paid or the mode pair of bank card quick payment using electronic account remaining sum
The trade company pays the bill.
For example, the amount of money to be paid is 450 yuan, if the not set member card remaining sum liquidation expenses are to be paid,as a matter of priority of the mobile terminal, electricity is used
The mode of sub- account balance payment or bank card quick payment pays the bill 450 yuan to the trade company.
Electronic account used in mobile terminal may include Alipay, wechat etc..
The bank card for carrying out quick payment may include any bank (such as industrial and commercial bank, Construction Bank, China Merchants Bank
Deng) bank card.
Specifically, the mobile terminal can send first to electronic account payment system or bank card paying system and withhold
Transaction request, described first, which withholds, requests corresponding deducted amount for the Payment Amount, and receives the electronic account branch
The first payment feedback information that the system of paying or bank card paying system return.The electronic account payment system is for managing electronics
The funds transaction of account.The bank card paying system is used for the funds transaction of management bank's card.
Third judging unit 205 judges the shifting if being provided with the liquidation expenses are to be paid,as a matter of priority of member card remaining sum for the mobile terminal
Whether the remaining sum of the member card of the trade company of dynamic terminal binding is greater than or equal to the Payment Amount.
User can prestore certain amount of money in the member card of trade company, for paying the bill the trade company.For example, trade company exists
It promotes or is held during promoting and supplement preferential movable (such as fill 1000 and send 100) with money, user carries out member card to enjoy privileges
It supplements with money.
The mobile terminal can send inquiry into balance request to trade company, and receive the balance information of trade company's return, according to
The balance information judges whether the remaining sum of the member card of the trade company of the mobile terminal binding is greater than or equal to payment gold
Volume.
For example, the remaining sum of the member card of the trade company of the mobile terminal binding is 500 yuan, Payment Amount is 450 yuan,
Then the remaining sum of the member card of the trade company of the mobile terminal binding is greater than Payment Amount.
For another example, the remaining sum of the member card of the trade company of the mobile terminal binding is 500 yuan, and Payment Amount is 850 yuan,
Then the remaining sum of the member card of the trade company of the mobile terminal binding is less than Payment Amount.
Second payment unit 206, if the remaining sum of the member card of the trade company for the mobile terminal binding be greater than or
Equal to the Payment Amount, the trade company is paid using the remaining sum of the member card of the trade company of the mobile terminal binding
Money.
For example, the remaining sum of the member card of the trade company of the mobile terminal binding is 500 yuan, Payment Amount is 450 yuan,
The remaining sum of the member card of the trade company of the mobile terminal binding is greater than Payment Amount, uses the institute of the mobile terminal binding
The remaining sum for stating the member card of trade company pays the bill to the trade company, the member of the trade company of the mobile terminal binding after payment
The remaining sum of card is 50 yuan.
Specifically, the mobile terminal can send the second transaction of withholing to member's card paying system of the trade company and ask
It asks, described second, which withholds, requests corresponding deducted amount for the Payment Amount, and receives member's card paying system and return
The the second payment feedback information returned.Member's card paying system is used to manage the funds transaction of member card.
Third payment unit 207 is paid if the remaining sum of the member card of the trade company for the mobile terminal binding is less than
The money amount of money first pays the bill to the trade company using the remaining sum of the member card of the trade company of the mobile terminal binding, insufficient
Part reuses the payment of electronic account remaining sum or the mode of bank card quick payment pays the bill to the trade company.
For example, the remaining sum of the member card of the trade company of the mobile terminal binding is 500 yuan, Payment Amount is 850 yuan,
The remaining sum of the member card of the trade company of the mobile terminal binding is less than Payment Amount, then first uses the mobile terminal binding
500 yuan of remaining sum of member card of the trade company pay the bill the trade company, 350 yuan of insufficient section reuse more than electronic account
The mode of volume payment or bank card quick payment pays the bill to the trade company.
Specifically, firstly, the mobile terminal can send third to member's card paying system of the trade company withhold and ask
It asks, the third, which is withholdd, requests the remaining sum of the member card of the trade company of the corresponding deducted amount for the mobile terminal binding,
And receive the third payment feedback information that the payment system returns.Then, the mobile terminal is paid to electronic account is
System or bank card paying system send the 4th and withhold transaction request, and the described 4th withholds, and to request corresponding deducted amount be described pay
The difference of the money amount of money and the remaining sum, and receive the 4th of the electronic account payment system or bank card paying system return
Pay feedback information.
If being appreciated that, the remaining sum of the member card of the trade company of the mobile terminal binding is 0, and then be used directly electronics
The mode of account balance payment or bank card quick payment pays the bill to the trade company.
The first payment feedback information, the second payment feedback information, third payment feedback information, the 4th payment feedback letter
Breath can be the successful feedback information of payment, be also possible to the feedback information of payment failure.
The payment devices detection mobile terminal of embodiment two operates the barcode scanning that trade company pays the bill, and obtains the barcode scanning behaviour
Make corresponding Payment Amount, merchant information；Judge whether the mobile terminal binds the trade company according to the merchant information
Member card；If the member card of trade company described in the mobile terminal binding, judge whether the mobile terminal is provided with more than member card
Volume liquidation expenses are to be paid,as a matter of priority；If the member card of the unbound trade company of mobile terminal, alternatively, if not set member card remaining sum is preferentially propped up
It pays, is paid using electronic account remaining sum or the mode of bank card quick payment pays the bill to the trade company；If described mobile whole
End is provided with the liquidation expenses are to be paid,as a matter of priority of member card remaining sum, judges whether the remaining sum of the member card of the trade company of the mobile terminal binding is big
In or equal to the Payment Amount；If the remaining sum of the member card of the trade company of the mobile terminal binding is greater than or equal to described
Payment Amount pays the bill to the trade company using the remaining sum of the member card of the trade company of the mobile terminal binding；If institute
The remaining sum for stating the member card of the trade company of mobile terminal binding is less than Payment Amount, first uses the institute of the mobile terminal binding
The remaining sum for stating the member card of trade company pays the bill to the trade company, and insufficient section reuses the payment of electronic account remaining sum or bank card
The mode of quick payment pays the bill to the trade company.Embodiment two can pay entrance by a barcode scanning, support more quotient
The member card remaining sum at family is paid；When encountering member card Sorry, your ticket has not enough value, can automatically using other means of payment to insufficient section into
Row payment, improves the efficiency and convenience of payment.
In other examples, the payment devices can also include: setting unit, detect binding for working as
When operation, corresponding member card is tied to the mobile terminal according to the bindings；And it is operated when detecting unbundlings
When, it is operated according to the unbundlings and unbinds corresponding member card from the mobile terminal.Member card binding setting circle can be generated
Face receives the bindings and unbundlings operation from member card binding set interface, according to the bindings and unbundlings
Operation binding member card or unbundlings member card.For example, can bind set interface in the member card receives user's input
The corresponding member card of information of member card that user inputs is tied to the mobile terminal by information of member card.It for another example, can be in institute
It states member card binding set interface and shows the member card list bound and unbundlings button, according to user to the unbundlings button
Operation unbinds corresponding member card from the mobile terminal.It is corresponding to the unbundlings button if choosing the unbundlings button
Member card unbinded from the mobile terminal.All unbundlings button can be set, if choosing all unbundlings buttons,
All member cards bound are unbinded from the mobile terminal.
The payment devices can also include: authentication unit, for obtaining and using before paying the bill the trade company
The verification information at family is verified.If by verifying, the first payment unit 204, the second payment unit 206 or third paying bill
207 pairs of the member trade company carries out payment operation.The verification information may include finger print information, voiceprint, iris information, face
Portion's information etc..For example, being paid in the first payment unit 204 using electronic account remaining sum or the mode of bank card quick payment is to institute
It states before trade company paid the bill, the verification information that authentication unit obtains user is verified.If by verifying, the first paying bill
Member 204 is paid using electronic account remaining sum or the mode of bank card quick payment pays the bill to the trade company.For another example, second
Payment unit 206 carries out the trade company to pay the bill it using the remaining sum of the member card of the trade company of the mobile terminal binding
Before, the verification information that authentication unit obtains user is verified, if the second payment unit 206 uses the shifting by verifying
The remaining sum of the member card of the trade company of dynamic terminal binding carries out payment operation to the trade company.
The payment devices 10 can also include: output unit, for according to the first payment feedback information, the
Two payment feedback informations, third payment feedback information or the 4th payment feedback information export payment result, with facilitate user or
Payment result.For example, if the first payment feedback information, the second payment feedback information, third pay feedback information or the 4th
Paying feedback information is to pay successful feedback information, then exports the successful payment result of payment.If first payment
Feedback information, the second payment feedback information, third payment feedback information or the 4th payment feedback information are the feedback of payment failure
Information then exports the payment result of payment failure.
The payment devices 10 can also include: prompt unit, if being used for the unbound quotient of the mobile terminal
The member card at family then issues the unbound prompt information of member card, so that user be facilitated to bind member card.
Embodiment three
The present embodiment provides a kind of computer readable storage medium, computer is stored on the computer readable storage medium
Program, the computer program realize the step in above-mentioned electric paying method embodiment when being executed by processor, such as shown in Fig. 1
Step 101-107:
Step 101, detection mobile terminal operates the barcode scanning that trade company pays the bill, and obtains the barcode scanning and operates corresponding payment gold
Volume, merchant information；
Step 102, judge whether the mobile terminal binds the member card of the trade company according to the merchant information；
Step 103, if the member card of trade company described in the mobile terminal binding, judge whether the mobile terminal is provided with
Member card remaining sum liquidation expenses are to be paid,as a matter of priority；
Step 104, if the member card of the unbound trade company of the mobile terminal, alternatively, if the mobile terminal is not set
Member card remaining sum liquidation expenses are to be paid,as a matter of priority is set, is paid using electronic account remaining sum or the mode of bank card quick payment carries out the trade company
Payment；
Step 105, if the mobile terminal is provided with the liquidation expenses are to be paid,as a matter of priority of member card remaining sum, judge the mobile terminal binding
Whether the remaining sum of the member card of the trade company is greater than or equal to the Payment Amount；
Step 106, if the remaining sum of the member card of the trade company of the mobile terminal binding is greater than or equal to the payment
The amount of money pays the bill to the trade company using the remaining sum of the member card of the trade company of the mobile terminal binding；
Step 107, it if the remaining sum of the member card of the trade company of the mobile terminal binding is less than Payment Amount, first uses
The remaining sum of the member card of the trade company of the mobile terminal binding pays the bill to the trade company, and insufficient section reuses electronics
The mode of account balance payment or bank card quick payment pays the bill to the trade company.
Alternatively, the function of each module/unit in above-mentioned apparatus embodiment is realized when the computer program is executed by processor,
Such as the unit 201-207 in Fig. 2:
Detection unit 201 operates the barcode scanning that trade company pays the bill for detecting mobile terminal, obtains the barcode scanning operation and corresponds to
Payment Amount, merchant information；
First judging unit 202, for judging whether the mobile terminal binds the trade company according to the merchant information
Member card；
Second judgment unit 203 judges described mobile whole if the member card for trade company described in the mobile terminal binding
Whether end is provided with the liquidation expenses are to be paid,as a matter of priority of member card remaining sum；
First payment unit 204, if the member card for the unbound trade company of the mobile terminal, alternatively, if described
The not set member card remaining sum liquidation expenses are to be paid,as a matter of priority of mobile terminal, is paid or the mode pair of bank card quick payment using electronic account remaining sum
The trade company pays the bill；
Third judging unit 205 judges the shifting if being provided with the liquidation expenses are to be paid,as a matter of priority of member card remaining sum for the mobile terminal
Whether the remaining sum of the member card of the trade company of dynamic terminal binding is greater than or equal to the Payment Amount；
Second payment unit 206, if the remaining sum of the member card of the trade company for the mobile terminal binding be greater than or
Equal to the Payment Amount, the trade company is paid using the remaining sum of the member card of the trade company of the mobile terminal binding
Money；
Third payment unit 207 is paid if the remaining sum of the member card of the trade company for the mobile terminal binding is less than
The money amount of money first pays the bill to the trade company using the remaining sum of the member card of the trade company of the mobile terminal binding, insufficient
Part reuses the payment of electronic account remaining sum or the mode of bank card quick payment pays the bill to the trade company.
Example IV
Fig. 3 is the schematic diagram for the mobile terminal that the embodiment of the present invention four provides.The mobile terminal 1 include memory 20,
Processor 30 and it is stored in the computer program 40 that can be run in the memory 20 and on the processor 30, such as electricity
Sub- payment program.The processor 30 realizes the step in above-mentioned electric paying method embodiment when executing the computer program 40
Such as step 101-107 shown in FIG. 1 suddenly:
Step 101, detection mobile terminal operates the barcode scanning that trade company pays the bill, and obtains the barcode scanning and operates corresponding payment gold
Volume, merchant information；
Step 102, judge whether the mobile terminal binds the member card of the trade company according to the merchant information；
Step 103, if the member card of trade company described in the mobile terminal binding, judge whether the mobile terminal is provided with
Member card remaining sum liquidation expenses are to be paid,as a matter of priority；
Step 104, if the member card of the unbound trade company of the mobile terminal, alternatively, if the mobile terminal is not set
Member card remaining sum liquidation expenses are to be paid,as a matter of priority is set, is paid using electronic account remaining sum or the mode of bank card quick payment carries out the trade company
Payment；
Step 105, if the mobile terminal is provided with the liquidation expenses are to be paid,as a matter of priority of member card remaining sum, judge the mobile terminal binding
Whether the remaining sum of the member card of the trade company is greater than or equal to the Payment Amount；
Step 106, if the remaining sum of the member card of the trade company of the mobile terminal binding is greater than or equal to the payment
The amount of money pays the bill to the trade company using the remaining sum of the member card of the trade company of the mobile terminal binding；
Step 107, it if the remaining sum of the member card of the trade company of the mobile terminal binding is less than Payment Amount, first uses
The remaining sum of the member card of the trade company of the mobile terminal binding pays the bill to the trade company, and insufficient section reuses electronics
The mode of account balance payment or bank card quick payment pays the bill to the trade company.
Alternatively, realizing each module in above-mentioned apparatus embodiment/mono- when the processor 30 executes the computer program 40
The function of member, such as the unit 201-207 in Fig. 2:
Detection unit 201 operates the barcode scanning that trade company pays the bill for detecting mobile terminal, obtains the barcode scanning operation and corresponds to
Payment Amount, merchant information；
First judging unit 202, for judging whether the mobile terminal binds the trade company according to the merchant information
Member card；
Second judgment unit 203 judges described mobile whole if the member card for trade company described in the mobile terminal binding
Whether end is provided with the liquidation expenses are to be paid,as a matter of priority of member card remaining sum；
First payment unit 204, if the member card for the unbound trade company of the mobile terminal, alternatively, if described
The not set member card remaining sum liquidation expenses are to be paid,as a matter of priority of mobile terminal, is paid or the mode pair of bank card quick payment using electronic account remaining sum
The trade company pays the bill；
Third judging unit 205 judges the shifting if being provided with the liquidation expenses are to be paid,as a matter of priority of member card remaining sum for the mobile terminal
Whether the remaining sum of the member card of the trade company of dynamic terminal binding is greater than or equal to the Payment Amount；
Second payment unit 206, if the remaining sum of the member card of the trade company for the mobile terminal binding be greater than or
Equal to the Payment Amount, the trade company is paid using the remaining sum of the member card of the trade company of the mobile terminal binding
Money；
Third payment unit 207 is paid if the remaining sum of the member card of the trade company for the mobile terminal binding is less than
The money amount of money first pays the bill to the trade company using the remaining sum of the member card of the trade company of the mobile terminal binding, insufficient
Part reuses the payment of electronic account remaining sum or the mode of bank card quick payment pays the bill to the trade company.
Illustratively, the computer program 40 can be divided into one or more module/units, it is one or
Multiple module/units are stored in the memory 20, and are executed by the processor 30, to complete the present invention.Described one
A or multiple module/units can be the series of computation machine program instruction section that can complete specific function, which is used for
Implementation procedure of the computer program 40 in the mobile terminal 1 is described.For example, the computer program 40 can be divided
Detection unit 201, the first judging unit 202, second judgment unit 203, the first payment unit 204, the third being cut into Fig. 2 are sentenced
Disconnected unit 205, the second payment unit 206, third payment unit 207, each unit concrete function is referring to embodiment two.
The mobile terminal 1, which may be, but not limited to, any one, to pass through keyboard, mouse, remote controler, touch with user
The modes such as plate or voice-operated device carry out the electronic product of human-computer interaction, for example, tablet computer, smart phone, personal digital assistant
(Personal Digital Assistant, PDA), intelligent wearable equipment etc..
It will be understood by those skilled in the art that the schematic diagram 3 is only the example of mobile terminal 1, do not constitute to shifting
The restriction of dynamic terminal 1 may include perhaps combining certain components or different components than illustrating more or fewer components,
Such as the mobile terminal 1 can also include input-output equipment, network access equipment, bus etc..
Alleged processor 30 can be central processing unit (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor 30 is also possible to any conventional processor
Deng the processor 30 is the control centre of the mobile terminal 1, utilizes various interfaces and the entire mobile terminal 1 of connection
Various pieces.
The memory 20 can be used for storing the computer program 40 and/or module/unit, and the processor 30 passes through
Operation executes the computer program and/or module/unit being stored in the memory 20, and calls and be stored in memory
Data in 20 realize the various functions of the mobile terminal 1.The memory 20 can mainly include storing program area and storage
Data field, wherein storing program area can application program needed for storage program area, at least one function (for example sound plays
Function, image player function etc.) etc.；Storage data area, which can be stored, uses created data (such as sound according to mobile terminal 1
Frequency evidence, phone directory etc.) etc..In addition, memory 20 may include high-speed random access memory, it can also include non-volatile
Memory, such as hard disk, memory, plug-in type hard disk, intelligent memory card (Smart Media Card, SMC), secure digital
(Secure Digital, SD) card, flash card (Flash Card), at least one disk memory, flush memory device or other
Volatile solid-state part.
If the integrated module/unit of the mobile terminal 1 is realized in the form of SFU software functional unit and as independent
Product when selling or using, can store in a computer readable storage medium.Based on this understanding, the present invention is real
All or part of the process in existing above-described embodiment method, can also instruct relevant hardware come complete by computer program
At the computer program can be stored in a computer readable storage medium, which is being executed by processor
When, it can be achieved that the step of above-mentioned each embodiment of the method.Wherein, the computer program includes computer program code, described
Computer program code can be source code form, object identification code form, executable file or certain intermediate forms etc..The meter
Calculation machine readable medium may include: can carry the computer program code any entity or device, recording medium, USB flash disk,
Mobile hard disk, magnetic disk, CD, computer storage, read-only memory (ROM, Read-Only Memory), random access memory
Device (RAM, Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..It needs to illustrate
It is that the content that the computer-readable medium includes can be fitted according to the requirement made laws in jurisdiction with patent practice
When increase and decrease, such as in certain jurisdictions, according to legislation and patent practice, computer-readable medium does not include electric carrier wave letter
Number and telecommunication signal.
In several embodiments provided by the present invention, it should be understood that disclosed mobile terminal and method, Ke Yitong
Other modes are crossed to realize.For example, mobile terminal embodiment described above is only schematical, for example, the unit
Division, only a kind of logical function partition, there may be another division manner in actual implementation.
It, can also be in addition, each functional unit in each embodiment of the present invention can integrate in same treatment unit
It is that each unit physically exists alone, can also be integrated in same unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of hardware adds software function module.
It is obvious to a person skilled in the art that invention is not limited to the details of the above exemplary embodiments, Er Qie
In the case where without departing substantially from spirit or essential attributes of the invention, the present invention can be realized in other specific forms.Therefore, no matter
From the point of view of which point, the present embodiments are to be considered as illustrative and not restrictive, and the scope of the present invention is by appended power
Benefit requires rather than above description limits, it is intended that all by what is fallen within the meaning and scope of the equivalent elements of the claims
Variation is included in the present invention.Any reference signs in the claims should not be construed as limiting the involved claims.This
Outside, it is clear that one word of " comprising " does not exclude other units or steps, and odd number is not excluded for plural number.It is stated in mobile terminal claim
Multiple units or mobile terminal can also be implemented through software or hardware by the same unit or mobile terminal.The first, the
Second-class word is used to indicate names, and is not indicated any particular order.
Finally it should be noted that the above examples are only used to illustrate the technical scheme of the present invention and are not limiting, although reference
Preferred embodiment describes the invention in detail, those skilled in the art should understand that, it can be to of the invention
Technical solution is modified or equivalent replacement, without departing from the spirit and scope of the technical solution of the present invention.
Claims (10)
1. a kind of electric paying method, which is characterized in that the described method includes:
Detection mobile terminal operates the barcode scanning that trade company pays the bill, and obtains the barcode scanning and operates corresponding Payment Amount, merchant information；
Judge whether the mobile terminal binds the member card of the trade company according to the merchant information；
If the member card of trade company described in the mobile terminal binding, it is excellent to judge whether the mobile terminal is provided with member card remaining sum
First pay；
If the member card of the unbound trade company of mobile terminal, alternatively, if the not set member card remaining sum of the mobile terminal
Liquidation expenses are to be paid,as a matter of priority, is paid using electronic account remaining sum or the mode of bank card quick payment pays the bill to the trade company；
If the mobile terminal is provided with the liquidation expenses are to be paid,as a matter of priority of member card remaining sum, the meeting of the trade company of the mobile terminal binding is judged
Whether the remaining sum of member's card is greater than or equal to the Payment Amount；
If the remaining sum of the member card of the trade company of the mobile terminal binding is greater than or equal to the Payment Amount, using described
The remaining sum of the member card of the trade company of mobile terminal binding pays the bill to the trade company；
If the remaining sum of the member card of the trade company of the mobile terminal binding is less than Payment Amount, the mobile terminal is first used
The remaining sum of the member card of the trade company of binding pays the bill to the trade company, and insufficient section reuses the payment of electronic account remaining sum
Or the mode of bank card quick payment pays the bill to the trade company.
2. the method as described in claim 1, which is characterized in that described to judge whether the mobile terminal is provided with more than member card
Volume liquidation expenses are to be paid,as a matter of priority includes:
Judge whether the member card remaining sum liquidation expenses are to be paid,as a matter of priority switch of the mobile terminal is in an open state；Or
Whether the member card remaining sum liquidation expenses are to be paid,as a matter of priority select button for judging the mobile terminal is selected state.
3. the method as described in claim 1, which is characterized in that the use electronic account remaining sum is paid or bank card fast props up
The mode paid carries out payment to the trade company
First is sent to electronic account payment system or bank card paying system to withhold transaction request, receives the electronic account branch
The first payment feedback information that system or bank card paying system return is paid, described first, which withholds, requests the corresponding deducted amount to be
The Payment Amount；
The remaining sum of the member card of the trade company using the mobile terminal binding carries out payment to the trade company
Second is sent to member's card paying system of the trade company to withhold transaction request, is received member's card paying system and is returned
Second payment feedback information, described second withholds requests corresponding deducted amount be the Payment Amount；
It is described first to be paid the bill using the remaining sum of the member card of the trade company of the mobile terminal binding the trade company, it is insufficient
Part reuse electronic account remaining sum payment or bank card quick payment mode to the trade company carry out payment include:
Third is sent to member's card paying system of the trade company to withhold request, is received the third that the payment system returns and is paid
Feedback information, the third are withholdd the member card of the trade company for requesting corresponding deducted amount to be the mobile terminal binding
Remaining sum；
The 4th is sent to electronic account payment system or bank card paying system to withhold transaction request, receives the electronic account branch
The 4th payment feedback information that system or bank card paying system return is paid, the described 4th, which withholds, requests the corresponding deducted amount to be
The difference of the Payment Amount and the remaining sum.
4. method as claimed in claim 3, which is characterized in that the method also includes:
According to the first payment feedback information, the second payment feedback information, third payment feedback information or the 4th payment feedback
Information exports payment result.
5. the method as described in claim 1, which is characterized in that the method also includes:
Before paying the bill the trade company, the verification information for obtaining user is verified, if by verifying, to the quotient
It pays the bill at family.
6. the method as described in claim 1, which is characterized in that the method also includes:
When detecting bindings, corresponding member card is tied to the mobile terminal according to the bindings；And
When detecting unbundlings operation, is operated according to the unbundlings and unbind corresponding member card from the mobile terminal.
7. the method as described in claim 1, which is characterized in that the method also includes:
If the member card of the unbound trade company of mobile terminal, issues the unbound prompt information of member card.
8. a kind of payment devices, which is characterized in that described device includes:
Detection unit operates the barcode scanning that trade company pays the bill for detecting mobile terminal, obtains the barcode scanning and operate corresponding payment
The amount of money, merchant information；
First judging unit, for judging whether the mobile terminal binds the member of the trade company according to the merchant information
Card；
Whether second judgment unit judges the mobile terminal if the member card for trade company described in the mobile terminal binding
Provided with member card remaining sum liquidation expenses are to be paid,as a matter of priority；
First payment unit, if the member card for the unbound trade company of the mobile terminal, alternatively, if the mobile terminal
Not set member card remaining sum liquidation expenses are to be paid,as a matter of priority, is paid using electronic account remaining sum or the mode of bank card quick payment is to the trade company
It pays the bill；
Third judging unit judges the mobile terminal if being provided with the liquidation expenses are to be paid,as a matter of priority of member card remaining sum for the mobile terminal
Whether the remaining sum of the member card of the trade company of binding is greater than or equal to the Payment Amount；
Second payment unit, if the remaining sum of the member card of the trade company for the mobile terminal binding is more than or equal to described
Payment Amount pays the bill to the trade company using the remaining sum of the member card of the trade company of the mobile terminal binding；
Third payment unit, if the remaining sum of the member card of the trade company for the mobile terminal binding is less than Payment Amount,
It is first paid the bill using the remaining sum of the member card of the trade company of the mobile terminal binding the trade company, insufficient section makes again
It is paid the bill with the mode of the payment of electronics account balance or bank card quick payment the trade company.
9. a kind of mobile terminal, it is characterised in that: the mobile terminal includes processor, and the processor is for executing memory
The computer program of middle storage is to realize the electric paying method as described in any one of claim 1-7.
10. a kind of computer readable storage medium, computer program, feature are stored on the computer readable storage medium
It is: realizes the electric paying method as described in any one of claim 1-7 when the computer program is executed by processor.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810930555.4A CN109272303A (en) | 2018-08-15 | 2018-08-15 | Electric paying method and device, mobile terminal and readable storage medium storing program for executing |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810930555.4A CN109272303A (en) | 2018-08-15 | 2018-08-15 | Electric paying method and device, mobile terminal and readable storage medium storing program for executing |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109272303A true CN109272303A (en) | 2019-01-25 |
Family
ID=65153447
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810930555.4A Pending CN109272303A (en) | 2018-08-15 | 2018-08-15 | Electric paying method and device, mobile terminal and readable storage medium storing program for executing |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN109272303A (en) |
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| CN110147991A (en) * | 2019-05-27 | 2019-08-20 | 深圳市融纳海川科技有限公司 | A kind of method, apparatus and system of the multi-platform payment of graphic code |
| CN111768191A (en) * | 2020-06-22 | 2020-10-13 | 江苏高聚识别技术有限公司 | Fingerprint identification consumption system for shopping mall member settlement |
| CN111882769A (en) * | 2020-08-01 | 2020-11-03 | 上海云央网络科技有限公司 | Automatic medicine selling machine supporting medical insurance electronic certificate, medicine selling system and method |
| CN112116345A (en) * | 2020-09-28 | 2020-12-22 | 中国银行股份有限公司 | System and method for processing payment card list data |
| CN113240410A (en) * | 2021-05-12 | 2021-08-10 | 中国联合网络通信集团有限公司 | Payment method, network side equipment, terminal, electronic equipment and storage medium |
| CN113570442A (en) * | 2020-12-16 | 2021-10-29 | 上海堉古网络科技有限公司 | Financial management system, method, terminal and payment method for agricultural product transaction |
| CN114416002A (en) * | 2021-12-31 | 2022-04-29 | 钉钉(中国)信息技术有限公司 | Use method and device of electronic work card supporting off-line or weak network environment |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110147991A (en) * | 2019-05-27 | 2019-08-20 | 深圳市融纳海川科技有限公司 | A kind of method, apparatus and system of the multi-platform payment of graphic code |
| CN111768191A (en) * | 2020-06-22 | 2020-10-13 | 江苏高聚识别技术有限公司 | Fingerprint identification consumption system for shopping mall member settlement |
| CN111882769A (en) * | 2020-08-01 | 2020-11-03 | 上海云央网络科技有限公司 | Automatic medicine selling machine supporting medical insurance electronic certificate, medicine selling system and method |
| CN112116345A (en) * | 2020-09-28 | 2020-12-22 | 中国银行股份有限公司 | System and method for processing payment card list data |
| CN113570442A (en) * | 2020-12-16 | 2021-10-29 | 上海堉古网络科技有限公司 | Financial management system, method, terminal and payment method for agricultural product transaction |
| CN113240410A (en) * | 2021-05-12 | 2021-08-10 | 中国联合网络通信集团有限公司 | Payment method, network side equipment, terminal, electronic equipment and storage medium |
| CN113240410B (en) * | 2021-05-12 | 2023-06-23 | 中国联合网络通信集团有限公司 | Payment method, network side device, terminal, electronic device and storage medium |
| CN114416002A (en) * | 2021-12-31 | 2022-04-29 | 钉钉(中国)信息技术有限公司 | Use method and device of electronic work card supporting off-line or weak network environment |
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Application publication date: 20190125 |