CN109426951A - A kind of online payment method and device - Google Patents
A kind of online payment method and device Download PDFInfo
- Publication number
- CN109426951A CN109426951A CN201710768406.8A CN201710768406A CN109426951A CN 109426951 A CN109426951 A CN 109426951A CN 201710768406 A CN201710768406 A CN 201710768406A CN 109426951 A CN109426951 A CN 109426951A
- Authority
- CN
- China
- Prior art keywords
- payment
- money
- payment account
- amount
- account
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
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
- G06Q20/22—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
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- 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
- G06Q20/102—Bill distribution or payments
-
- 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
- G06Q20/387—Payment using discounts or coupons
-
- 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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of online payment methods, comprising steps of obtaining the pay invoice with user information and end article information；According to the corresponding relationship of the favor information and the first payment account that pre-establish, the payment limit of the first payment account is shown；The setting instruction of user terminal input is received, to instruct the actual delivery amount of money of the first payment account of setting according to setting；According to the actual delivery amount of money of the first payment account and the total payment of pay invoice, the actual delivery amount of money of the second payment account is generated；The confirmation payment instruction for receiving user terminal input, deducts the corresponding actual delivery amount of money, from the first payment account and the second payment account respectively to complete online payment.The present invention also provides a kind of online payment devices.Using online payment method and device of the invention, online payment efficiency can be effectively improved, improves user experience.
Description
Technical field
The present invention relates to E-business applications technical field more particularly to a kind of online payment methods and device.
Background technique
With the popularity of the internet and expanding economy, shopping at network have become a kind of important shopping form.In order to
Consumption enthusiasm, the desire to purchase of stimulation consumer of consumer are excited, online merchants would generally be promoted using a variety of marketing tools
Purchase and use into consumer to commodity.For example, providing discount coupon, integral promotion and rebating promotion etc..
Currently, the online payment method provided for the favor information that online merchants provide, the prior art are as follows: e-commerce
Platform obtain payment terminal pay mark (including account associated with Third-party payment platform) and be intended to using preferential letter
Breath is sent to and provides the online merchants of favor information；It, will effective preferential letter after the online merchants confirm whether favor information is effective
Breath returns to e-commerce platform；E-commerce platform shows the payment scheme including the favor information to payment terminal, and is connecing
After revenue and expenditure pays the payment scheme of initiator's selection, payment is completed.
In the implementation of the present invention, inventor has found that the prior art has the following problems: due in payment process,
E-commerce platform need by pay mark and be intended to using favor information be sent to provide favor information online merchants confirm
Afterwards, payment scheme is just shown by e-commerce platform, so that the display efficiency of payment scheme is lower；Meanwhile it being consumed receiving
After the payment scheme of person's selection, it is necessary to favor information and Third-party payment mode be merged payment, wherein Third-party payment
Platform sends to bank and withholds request (including consumer identification and payment amount), so that bank carries out information according to request of withholing
Confirmation, and payment amount is divided into Third-party payment platform after validation of information success, payment could be completed, so that efficiency of withholing
Low, therefore, the payment efficiency of existing online payment method is lower, reduces the usage experience of user.
Summary of the invention
In view of the above-mentioned problems, a kind of online payment method of the invention and device, can effectively improve the payment for merging payment
Efficiency improves the usage experience of user.
In order to solve the above technical problems, a kind of online payment method of the invention, comprising steps of
Obtain the pay invoice with user information and end article information；Wherein, be preset in the user information to
Few two different types of payment accounts, the end article information are preset with favor information；
According to the corresponding relationship of the favor information and the first payment account that pre-establish, described first of display is paid a bill
The payment limit at family；
The setting instruction of user terminal input is received, the reality of first payment account to be arranged according to the setting instruction
Border payment amount；
According to the total payment of the actual delivery amount of money of first payment account and the pay invoice, second is generated
It pays a bill the actual delivery amount of money at family；
The confirmation payment instruction of user terminal input is received, respectively from first payment account and second described
It pays a bill and deducts the corresponding actual delivery amount of money in family, to complete online payment.
Compared with prior art, online payment method of the invention is paid a bill by preset at least two different types of branch
Family at least two different types of disburses funds store same user, wherein the payment limit and mesh of the first payment account
The mark preset favor information of commodity is corresponding, so that when receiving the payment request of user terminal transmission, it can be according to preferential letter
The corresponding relationship of breath and the first payment account, shows the payment limit of the first payment account, and then can be arranged by user terminal
The actual delivery amount of money of first payment account, since favor information defaults in end article information, there is no need to through online quotient
It is shown again after family's confirmation favor information, the display efficiency of the payment limit of the first payment account can be improved；Further, since the
The actual delivery amount of money of two payment accounts according to the actual delivery amount of money of the total payment of pay invoice and the first payment account from
It is dynamic to generate, and after the confirmation payment instruction for receiving user terminal input, it is paid respectively from the first payment account and second
The corresponding actual delivery amount of money is directly deducted in account, is avoided the verifying for carrying out Third-party payment platform, is improved online payment
Payment efficiency improves the usage experience of user.
As an improvement of the above scheme, the setting instruction for receiving the user terminal input, according to the setting
The actual delivery amount of money of first payment account is arranged in instruction, includes the following steps:
The setting instruction of the user terminal input is received, to generate first payment account according to setting instruction
The amount of money to be paid；
Judge whether the amount of money to be paid of first payment account is less than or equal to the payment limit；
If so, the actual delivery amount of money of first payment account is assigned a value of the to be paid of first payment account
The amount of money；
Otherwise, the actual delivery amount of money of first payment account is assigned a value of the payment limit.
As an improvement of the above scheme, according to the actual delivery amount of money of first payment account and the pay invoice
Total payment generates the actual delivery amount of money of the second payment account, includes the following steps:
According to the actual delivery amount of money of first payment account and the total payment, second payment account is calculated
The amount of money to be paid；
Judge whether the remaining sum of second payment account is greater than or equal to the amount of money to be paid of second payment account；
If so, the actual delivery amount of money of second payment account is assigned a value of the to be paid of second payment account
The amount of money；
Otherwise, transfer request is sent to Third-party payment platform, so that the Third-party payment platform is to described second
Family of paying a bill is transferred to fund, with the actual delivery amount of money needed for providing to second payment account.
As an improvement of the above scheme, the remaining sum in second payment account is less than second payment account
When the amount of money to be paid, transfer request is sent to Third-party payment platform, so that the Third-party payment platform is to described second
Family of paying a bill is transferred to fund, includes the following steps:
When the remaining sum of second payment account is less than the amount of money to be paid of second payment account, Xiang Suoshu third
Square payment platform sends transfer request；
According to the transfer request, freeze the actual delivery amount of money of first payment account, and generates and marked with user
The the first debt-credit serial number known；
Receiving in the case where being transferred to fund of the third-party platform, the practical branch for first payment account that thaws
The amount of money is paid, and generates the second debt-credit serial number with the user identifier.
As an improvement of the above scheme, before obtaining the pay invoice with user information and end article information, also
Include the following steps:
According to the consumption type of the user terminal or consumption grade, the first payment account of Xiang Suoshu, which is sent with charge free, to disburse funds；
Alternatively,
Fund is converted to according to preset Payment Proportion and is disbursed funds, to be filled with the branch to first payment account
The fund of paying；Wherein, the fund is transferred to by Third-party payment platform.
As an improvement of the above scheme, before obtaining the pay invoice with user identifier and end article information, also
Include the following steps:
The transfer request that user terminal is sent is received, to pass through Third-party payment platform second to the user terminal
Family of paying a bill is transferred to fund.
As an improvement of the above scheme, in the confirmation payment instruction for receiving user terminal input, respectively from described the
After deducting the corresponding actual delivery amount of money in one payment account and second payment account, further comprise the steps of:
The actual delivery amount of money of the actual delivery amount of money of first payment account and second payment account is transferred to
Preset intermediate account, and generate the third with user identifier and borrow or lend money serial number；
It, will be in the intermediate account according to preset merchant identification in the preset terms of payment and the end article information
Whole actual delivery amount of money be transferred to internet merchant account corresponding with the merchant identification；Wherein, preset terms of payment packet
Include the preset payment time limit.
In order to solve the above technical problems, the present invention also provides a kind of online payment devices, comprising:
Pay invoice obtains module, for obtaining the pay invoice with user information and end article information；Wherein, institute
It states and is preset at least two payment accounts in user information, the end article information is preset with favor information；
Limit display module is paid, for closing according to the favor information pre-established is corresponding with the first payment account
System shows the payment limit of first payment account；
Payment amount setup module, for receiving the setting instruction of user terminal input, to be set according to setting instruction
Set the actual delivery amount of money of first payment account；
Payment amount generation module, for according to first payment account the actual delivery amount of money and the pay invoice
Total payment, generate the second payment account the actual delivery amount of money；
Payment amount deducts module, for receiving the confirmation payment instruction of user terminal input, respectively from described the
The corresponding actual delivery amount of money is deducted in one payment account and second payment account, to complete online payment.
Compared with prior art, online payment device of the invention is paid a bill by preset at least two different types of branch
Family at least two different types of disburses funds store same user, wherein the payment limit and mesh of the first payment account
It is corresponding to mark the preset favor information of commodity, so that after obtaining module by pay invoice and getting pay invoice, payment limit
Volume display module can show the payment limit of the first payment account according to the corresponding relationship of favor information and the first payment account,
And then after payment amount setup module receives the setting instruction that user terminal inputs, the practical branch of the first payment account of setting can be led to
Pay the amount of money, since favor information defaults in end article information, there is no need to through online merchants confirm favor information after again into
Row display, can be improved the display efficiency of the payment limit of the first payment account；Further, since the actual delivery of the second payment account
The amount of money can be by payment amount generation module according to the total payment of pay invoice and the actual delivery amount of money of the first payment account
It automatically generates, and payment amount deducts module after the confirmation payment instruction for receiving user terminal input, respectively from first
The corresponding actual delivery amount of money is directly deducted in payment account and the second payment account, avoids carrying out testing for Third-party payment platform
Card, improves the payment efficiency of online payment, improves the usage experience of user.
As an improvement of the above scheme, the payment amount setup module, comprising:
Instruction receiving unit is given birth to for receiving the setting instruction of the payment terminal input with being instructed according to the setting
At the amount of money to be paid of first payment account；
Limit judging unit is paid, for judging whether the amount of money to be paid of first payment account is less than or equal to institute
State payment limit；
First assignment unit is less than or equal to the payment limit for the amount of money to be paid in first payment account
When, the actual delivery amount of money of first payment account is assigned a value of to the amount of money to be paid of first payment account；Otherwise, will
The actual delivery amount of money of first payment account is assigned a value of the payment limit.
As an improvement of the above scheme, the payment amount generation module, comprising:
Amount calculation unit to be paid, for total according to the actual delivery amount of money of first payment account and the payment
Volume calculates the amount of money to be paid of second payment account；
Remaining sum judging unit, for judging whether the remaining sum of second payment account is greater than or equal to second payment
The amount of money to be paid of account；
Second assignment unit is greater than or equal to second payment account for the remaining sum in second payment account
When the amount of money to be paid, the actual delivery amount of money of second payment account is assigned a value of to the gold to be paid of second payment account
Volume；
The actual delivery amount of money provides unit, is less than second payment account for the remaining sum in second payment account
The amount of money to be paid when, transfer request is sent to Third-party payment platform, so that the Third-party payment platform is to described second
Payment account is transferred to fund, to provide the required actual delivery amount of money to second payment account.
As an improvement of the above scheme, the actual delivery amount of money offer unit includes:
Transfer request transmission sub-unit is less than second payment account for the remaining sum in second payment account
When the amount of money to be paid, Xiang Suoshu Third-party payment platform sends transfer request；
Payment amount freezes subelement, for freezing the practical branch of first payment account according to the transfer request
The amount of money is paid, and generates the first debt-credit serial number with user identifier；
Payment amount defrosting subelement, receiving in the case where being transferred to fund of the third-party platform, described in defrosting
The actual delivery amount of money of first payment account, and generate the second debt-credit serial number with the user identifier.
As an improvement of the above scheme, the online payment device, further includes:
Disburse funds dispatch module, for the consumption type or consumption grade according to the user terminal, Xiang Suoshu first
Payment account, which is sent with charge free, to disburse funds；Alternatively,
It disburses funds and supplements module with money, disburse funds for being converted to fund according to preset Payment Proportion, with to described
First payment account is filled with described disburse funds；Wherein, the fund is transferred to by Third-party payment platform.
As an improvement of the above scheme, the online payment device, further includes:
Fund is transferred to module, for receiving the transfer request of user terminal transmission, to pass through Third-party payment platform to institute
The second payment account for stating user terminal is transferred to fund.
As an improvement of the above scheme, the online payment device, further includes:
First is transferred to module, for by the actual delivery amount of money of first payment account and second payment account
The actual delivery amount of money is transferred to preset intermediate account, and generates the third with user identifier and borrow or lend money serial number；
Second is transferred to module, for being marked according to businessman preset in the preset terms of payment and the end article information
Know, whole actual delivery amount of money in the intermediate account are transferred to internet merchant account corresponding with the merchant identification；Its
In, the preset terms of payment include the preset payment time limit.
Detailed description of the invention
Fig. 1 is a kind of flow diagram of online payment method of the embodiment of the present invention 1.
Fig. 2 is the flow diagram of step S3 in the embodiment of the present invention 1.
Fig. 3 is the flow diagram of step S4 in the embodiment of the present invention 1.
Fig. 4 is a kind of flow diagram of online payment method of the embodiment of the present invention 2.
Fig. 5 is a kind of structural schematic diagram of online payment device of the embodiment of the present invention 3.
Fig. 6 is the structural schematic diagram of payment amount setup module in the embodiment of the present invention 3.
Fig. 7 is the structural schematic diagram of payment amount generation module in the embodiment of the present invention 3.
Fig. 8 is that the actual delivery amount of money provides the structural schematic diagram of unit in the embodiment of the present invention 3.
Fig. 9 is a kind of structural schematic diagram of online payment device of the embodiment of the present invention 4.
Specific embodiment
In the following description, numerous specific details are set forth in order to facilitate a full understanding of the present invention.But the present invention can be with
It is different from the other modes of this description much to implement, those skilled in the art can be without violating the connotation of the present invention
Similar popularization is done, therefore the present invention is not limited by the specific embodiments disclosed below.
Clear, complete description is carried out to technical solution of the present invention with attached drawing combined with specific embodiments below.
Embodiment 1
As shown in Figure 1, a kind of online payment method of the invention, comprising steps of
S1, the pay invoice with user information and end article information is obtained；Wherein, it is preset at least in user information
Two payment accounts, end article information are preset with favor information；
In the present embodiment, by presetting favor information to end article information, so that getting end article information
Pay invoice when, get favor information corresponding with end article information, which is specially each payment account
Payment Proportion or payment limit；For example, the price of a shirt is 100 yuan, wherein the first payment account can be used to pay 50
Member pays 50 yuan using the second payment account.
The corresponding relationship of S2, the favor information that basis pre-establishes and the first payment account, the first payment account of display
Pay limit；
In the present embodiment, the first payment account can be the points account for sharing in the benefit to user, that is, work as user
When buying specified commodity, online merchants return the integral of preset quantity to the first payment account of the user, for use as payment gold
Volume.The mode of first payment account acquisition payment amount further include: user is paid a bill by way of buying rechargeable card to first
Family is filled with payment amount and user and is filled with branch to the first payment account with preset ratio of supplementing with money by Third-party payment platform
Pay the amount of money.
In step s 2, since the favor information of end article information and the first payment account have corresponding relationship, according to
The favor information shows the payment limit of the first payment account, when the first payment account is points account, can be aobvious to user
Show that the limit of integral payment can be used in the end article information.For example, if points account can be used to pay 50 yuan for above-mentioned shirt,
The payment limit for showing the first payment account is 50 yuan.
S3, the setting instruction for receiving user terminal input, first payment account is arranged according to setting instruction
The actual delivery amount of money；
Wherein, as shown in Fig. 2, step S3 specifically comprises the following steps:
S31, the setting instruction for receiving user terminal input, generate the to be paid of the first payment account to instruct according to setting
The amount of money；
S32, judge whether the amount of money to be paid of the first payment account is less than or equal to payment limit；
S33, if so, the actual delivery amount of money of the first payment account to be assigned a value of to the gold to be paid of the first payment account
Volume；
The actual delivery amount of money of first payment account is assigned a value of payment limit by S34, otherwise.
In step s3, if being 40 yuan to the amount of money to be paid of the first payment account of above-mentioned shirt setting, by first
The actual delivery amount of money of payment account is assigned a value of 40 yuan；If the amount of money to be paid to the first payment account of above-mentioned shirt setting is
60 yuan, then the actual delivery amount of money of the first payment account is assigned a value of 50 yuan, can avoid the actual delivery gold of the first payment account
Volume is beyond payment limit.
S4, according to the actual delivery amount of money of the first payment account and the total payment of pay invoice, generate second and pay a bill
The actual delivery amount of money at family；
Wherein, as shown in figure 3, step S4 is specifically included:
S41, the actual delivery amount of money and total payment according to the first payment account calculate the to be paid of the second payment account
The amount of money；
S42, judge whether the remaining sum of the second payment account is greater than or equal to the amount of money to be paid of the second payment account；
S43, if so, the actual delivery amount of money of the second payment account to be assigned a value of to the gold to be paid of the second payment account
Volume；
S44, otherwise sends transfer request to Third-party payment platform, so that Third-party payment platform is paid a bill to second
Family is transferred to fund, to provide the required actual delivery amount of money to the second payment account.
For example, since the actual delivery amount of money of the first payment account of assignment is 40 yuan through the above steps, total payment
It is 100 yuan, then the amount of money to be paid that can calculate the second payment account automatically is 60 yuan；If the remaining sum of the second payment account is big
In or be equal to 60 yuan, then the actual delivery amount of money of the second payment account is assigned a value of 60 yuan；If the remaining sum of the second payment account
Less than 60 yuan, then fund is transferred to by Third-party payment platform, so that the remaining sum of the second payment account is greater than or equal to 60 yuan, with
The actual delivery amount of money of second payment account is provided, so that under conditions of the remaining sum of the second payment account is sufficient, it can be direct
Using disbursing funds in the second payment account, the efficiency for merging payment is improved；And sufficient in the remaining sum of the second payment account
Under the conditions of, it can be provided with funds by Third-party payment platform to the second payment account, it is convenient that the second payment account of increase uses
Property.Wherein, Third-party payment platform includes wechat payment, Alipay or Web bank, Unionpay platform.
S5, the confirmation payment instruction for receiving user terminal input, to be paid a bill respectively from first according to confirmation payment instruction
The corresponding actual delivery amount of money is deducted in family and the second payment account, and then completes online payment.
Compared with prior art, online payment method of the invention is paid a bill by preset at least two different types of branch
Family at least two different types of disburses funds store same user, wherein the payment limit and mesh of the first payment account
The mark preset favor information of commodity is corresponding, so that when receiving the payment request of user terminal transmission, it can be according to preferential letter
The corresponding relationship of breath and the first payment account, shows the payment limit of the first payment account, and then can be arranged by user terminal
The actual delivery amount of money of first payment account, since favor information defaults in end article information, there is no need to through online quotient
It is shown again after family's confirmation favor information, the display efficiency of the payment limit of the first payment account can be improved, set convenient for user
Set preferential payment scheme；Further, since the actual delivery amount of money of the second payment account is according to the total payment of pay invoice and
The actual delivery amount of money of one payment account automatically generates, and after the confirmation payment instruction for receiving user terminal input, point
It does not deduct the corresponding actual delivery amount of money directly from the first payment account and the second payment account, avoids carrying out Third-party payment
The verifying of platform improves the payment efficiency of online payment, improves the usage experience of user.
Further, step S4, small in the remaining sum of the second payment account in order to increase the flexibility of online payment of the present invention
When the amount of money to be paid of the second payment account, transfer request is sent to Third-party payment platform, so that Third-party payment platform
It is transferred to fund to the second payment account, is included the following steps:
S441, the second payment account remaining sum less than the second payment account the amount of money to be paid when, to Third-party payment
Platform sends transfer request；
S442, according to transfer request, freeze the actual delivery amount of money of the first payment account, and generate with user identifier
First debt-credit serial number；
S442, receiving in the case where being transferred to fund of third-party platform, the actual delivery for first payment account that thaws
The amount of money, and generate the second debt-credit serial number with user identifier.
In the specific implementation process, when sending transfer request to Third-party payment platform, according to the transfer request to the
The actual delivery amount of money of one payment account is freezed, and receiving in the case where being transferred to fund of Third-party payment platform,
The just actual delivery amount of money of the first payment account of defrosting, this is avoided the actual delivery amount of money of first payment account of part from being used for
The payment of other pay invoices and cause fund chaotic；Meanwhile it is raw when the actual delivery amount of money of the first payment account is frozen
At the first debt-credit serial number, and the second debt-credit serial number is generated when the actual delivery amount of money of the first payment account is defrosted, mention
For transaction record financially, to carry out sorting reconciliation, the verification efficiency of online payment is improved.
It further, further include walking as follows before obtaining the pay invoice with user information and end article information
It is rapid:
S101, consumption type or consumption grade according to user terminal, send with charge free to the first payment account and disburse funds；Or
Person,
S111, it fund is converted to according to preset Payment Proportion disburses funds, to be filled with payment to the first payment account
Fund；Wherein, fund is transferred to by Third-party payment platform；Alternatively,
S121, the transfer request that user terminal is sent is received, to turn by Third-party payment platform to the second payment account
Enter fund.
Embodiment 2
As shown in figure 4, embodiment 2 other than including the Overall Steps in embodiment 1, is receiving user terminal input
Confirm payment instruction, it is corresponding to be deducted from the first payment account and the second payment account respectively according to the confirmation payment instruction
After the actual delivery amount of money, further comprise the steps of:
S6, the actual delivery amount of money of the actual delivery amount of money of the first payment account and the second payment account is transferred to it is preset
Intermediate account, and generate the third with user identifier and borrow or lend money serial number；
S7, according to preset merchant identification in the preset terms of payment and end article information, will be complete in intermediate account
Portion's actual delivery amount of money is transferred to internet merchant account corresponding with merchant identification；Wherein, the preset terms of payment include preset
Pay the time limit.
In this embodiment, by the actual delivery amount of money of the first payment account and the actual delivery of the second payment account
When the amount of money is transferred to preset intermediate account, automatically generates the third debt-credit serial number with user identifier and generates financial records,
Improve financial sorting reconciliation efficiency；Since whole actual delivery amount of money are transferred in intermediate account in advance, so that preset meeting
It can directly be transferred accounts by intermediate account to internet merchant account when the terms of payment, efficiency of transferring accounts can be effectively improved.
Embodiment 3
As shown in figure 5, the present invention also provides a kind of online payment devices, comprising: pay invoice obtains module 1, for obtaining
Take the pay invoice with user information and end article information；Wherein, at least two payment accounts are preset in user information,
End article information is preset with favor information；Limit display module 2 is paid, for according to the favor information and first pre-established
The corresponding relationship of payment account shows the payment limit of the first payment account；Payment amount setup module 3, for receiving user
The setting instruction of terminal input, to instruct the actual delivery amount of money of the first payment account of setting according to setting；Payment amount generates
Module 4, for generating the second payment account according to the actual delivery amount of money of the first payment account and the total payment of pay invoice
The actual delivery amount of money；Payment amount deducts module 5, for receiving the confirmation payment instruction of user terminal input, respectively from the
The corresponding actual delivery amount of money is deducted in one payment account and the second payment account, to complete online payment.
Compared with prior art, online payment device of the invention is paid a bill by preset at least two different types of branch
Family at least two different types of disburses funds store same user, wherein the payment limit and mesh of the first payment account
It is corresponding to mark the preset favor information of commodity, so that after obtaining module 1 by pay invoice and getting pay invoice, payment limit
Volume display module 2 can show the payment limit of the first payment account according to the corresponding relationship of favor information and the first payment account,
And then after payment amount setup module 3 receives the setting instruction that user terminal inputs, the reality of the first payment account of setting can be led to
Payment amount, since favor information defaults in end article information, there is no need to through online merchants confirm favor information after again
It is shown, the display efficiency of the payment limit of the first payment account can be improved；Further, since the practical branch of the second payment account
Paying the amount of money can be by payment amount generation module 4 according to the total payment of pay invoice and the actual delivery gold of the first payment account
Volume automatically generates, and payment amount deducts module 5 after the confirmation payment instruction for receiving user terminal input, respectively from the
The corresponding actual delivery amount of money is directly deducted in one payment account and the second payment account, avoids carrying out Third-party payment platform
Verifying, improves the payment efficiency of online payment, improves the usage experience of user.
Wherein, as shown in fig. 6, payment amount setup module 3, comprising: instruction receiving unit 31, for receiving payment terminal
The setting of input instructs, to instruct the amount of money to be paid for generating the first payment account according to setting；Limit judging unit 32 is paid,
For judging whether the amount of money to be paid of the first payment account is less than or equal to payment limit；First assignment unit 33 is used for
When the amount of money to be paid of first payment account is less than or equal to payment limit, by the actual delivery amount of money assignment of the first payment account
For the amount of money to be paid of the first payment account；Otherwise, the actual delivery amount of money of the first payment account is assigned a value of payment limit, kept away
Exempt from the actual delivery amount of money of the first payment account beyond payment limit.
Further, as shown in fig. 7, in order to improve the flexibility and payment efficiency that merge payment, improve user and use body
It tests, payment amount generation module 4, comprising: amount calculation unit 41 to be paid, for the actual delivery according to the first payment account
The amount of money and total payment calculate the amount of money to be paid of the second payment account；Remaining sum judging unit 42, for judging that second is paid a bill
Whether the remaining sum at family is greater than or equal to the amount of money to be paid of the second payment account；Second assignment unit 43, in the second payment
When the remaining sum of account is greater than or equal to the amount of money to be paid of the second payment account, the actual delivery amount of money of the second payment account is assigned
Value is the amount of money to be paid of the second payment account；The actual delivery amount of money provides unit 44, for the remaining sum in the second payment account
Less than the second payment account the amount of money to be paid when, transfer request is sent to Third-party payment platform, so that Third-party payment is flat
Platform is transferred to fund to the second payment account, to provide the required actual delivery amount of money to the second payment account.In this embodiment,
Under conditions of the remaining sum of the second payment account is sufficient, second can be directly used by the second actual delivery amount of money assignment unit
Disbursing funds in payment account improves the efficiency for merging payment；And under conditions of the remaining sum of the second payment account abundance, it can
Unit 44 is provided by the actual delivery amount of money to provide with funds using Third-party payment platform to the second payment account, increases by second
It pays a bill the convenience that family uses.Wherein, Third-party payment platform includes wechat payment, Alipay or Web bank, Unionpay platform.
Further, as shown in figure 8, it includes: transfer request transmission sub-unit 441 that the actual delivery amount of money, which provides unit 44,
For the remaining sum in the second payment account less than the second payment account the amount of money to be paid when, to Third-party payment platform send turn
Account request；Payment amount freezes subelement 442, for freezing the actual delivery amount of money of the first payment account according to transfer request,
And generate the first debt-credit serial number with user identifier；Payment amount defrosting subelement 443, is receiving third-party platform
In the case where being transferred to fund, the actual delivery amount of money for first payment account that thaws, and generate the second debt-credit with user identifier
Serial number.
Embodiment 4
As shown in figure 9, the online payment device of the present embodiment in addition to include embodiment 3 in whole building blocks other than,
Further include: first is transferred to module 7, for by the actual delivery of the actual delivery amount of money of the first payment account and the second payment account
The amount of money is transferred to preset intermediate account, and generates the third with user identifier and borrow or lend money serial number；Second is transferred to module 8, is used for
According to preset merchant identification in the preset terms of payment and end article information, by whole actual deliveries gold in intermediate account
Volume is transferred to internet merchant account corresponding with merchant identification；Wherein, the preset terms of payment include the preset payment time limit.
In this embodiment, first module 7 is transferred to by paying in the actual delivery amount of money of the first payment account and second
When the actual delivery amount of money of account is transferred to preset intermediate account, the third debt-credit serial number with user identifier is automatically generated
Financial records are generated, financial sorting reconciliation efficiency is improved；Since whole actual delivery amount of money are transferred in intermediate account in advance, so that
When meeting the preset terms of payment, second is transferred to module 8 and can directly be turned by intermediate account to internet merchant account
Account can effectively improve efficiency of transferring accounts.
Further, as shown in figure 9, in order to improve the flexibility of user's payment, user experience is promoted, stimulates user
The desire for consumer goods, the online payment device, further includes: the dispatch module that disburses funds 61, for the consumption kind according to user terminal
Class or consumption grade, send with charge free to the first payment account and disburse funds；It disburses funds and supplements module 62 with money, for according to preset payment
Fund is converted to and is disbursed funds by ratio, is disbursed funds with being filled with this to the first payment account, wherein fund passes through third party's branch
Platform is paid to be transferred to；Fund is transferred to module 63, for receiving the transfer request of user terminal transmission, to pass through Third-party payment platform
Fund is transferred to the second payment account of user terminal.
The above described is only a preferred embodiment of the present invention, limitation in any form not is done to the present invention, therefore
All contents without departing from technical solution of the present invention, it is made to the above embodiment according to the technical essence of the invention any simply to repair
Change, equivalent variations and modification, all of which are still within the scope of the technical scheme of the invention.
Claims (10)
1. a kind of online payment method, which is characterized in that comprising steps of
Obtain the pay invoice with user information and end article information；Wherein, at least two are preset in the user information
A different types of payment account, the end article information are preset with favor information；
According to the corresponding relationship of the favor information and the first payment account that pre-establish, first payment account is shown
Pay limit；
The setting instruction of user terminal input is received, the practical branch of first payment account to be arranged according to the setting instruction
Pay the amount of money；
According to the total payment of the actual delivery amount of money of first payment account and the pay invoice, generates second and pay a bill
The actual delivery amount of money at family；
The confirmation payment instruction for receiving the user terminal input, pays a bill from first payment account and described second respectively
The corresponding actual delivery amount of money is deducted in family, to complete online payment.
2. online payment method as described in claim 1, which is characterized in that the setting for receiving the user terminal input
Instruction is included the following steps: so that the actual delivery amount of money of first payment account is arranged according to the setting instruction
Receive the setting instruction of user terminal input, with according to the setting instruction generate first payment account to
Payment amount；
Judge whether the amount of money to be paid of first payment account is less than or equal to the payment limit；
If so, the actual delivery amount of money of first payment account to be assigned a value of to the gold to be paid of first payment account
Volume；
Otherwise, the actual delivery amount of money of first payment account is assigned a value of the payment limit.
3. online payment method as described in claim 1, which is characterized in that according to the actual delivery of first payment account
The total payment of the amount of money and the pay invoice generates the actual delivery amount of money of the second payment account, includes the following steps:
According to the actual delivery amount of money of first payment account and the total payment, calculate second payment account to
Payment amount；
Judge whether the remaining sum of second payment account is greater than or equal to the amount of money to be paid of second payment account；
If so, the actual delivery amount of money of second payment account to be assigned a value of to the gold to be paid of second payment account
Volume；
Otherwise, transfer request is sent to Third-party payment platform, so that the Third-party payment platform is paid a bill to described second
Family is transferred to fund, to provide the required actual delivery amount of money to second payment account.
4. online payment method as claimed in claim 3, which is characterized in that the remaining sum in second payment account is small
When the amount of money to be paid of second payment account, transfer request is sent to Third-party payment platform, so that the third party
Payment platform is transferred to fund to second payment account, includes the following steps:
When the remaining sum of second payment account is less than the amount of money to be paid of second payment account, Xiang Suoshu third party's branch
It pays platform and sends transfer request；
According to the transfer request, freeze the actual delivery amount of money of first payment account, and generates with user identifier
First debt-credit serial number；
Receiving in the case where being transferred to fund of the third-party platform, the actual delivery gold for first payment account that thaws
Volume, and generate the second debt-credit serial number with the user identifier.
5. online payment method as described in claim 1, which is characterized in that obtaining there is user information and end article to believe
Further include following steps before the pay invoice of breath:
According to the consumption type of the user terminal or consumption grade, the first payment account of Xiang Suoshu, which is sent with charge free, to disburse funds；Alternatively,
Fund is converted to according to preset Payment Proportion and is disbursed funds, to be filled with the payment money to first payment account
Gold；Wherein, the fund is transferred to by Third-party payment platform.
6. online payment method as described in claim 1, which is characterized in that obtaining there is user information and end article to believe
Further include following steps before the pay invoice of breath:
The transfer request that user terminal is sent is received, to pay a bill by Third-party payment platform to second of the user terminal
Family is transferred to fund.
7. online payment method as described in claim 1, which is characterized in that in the confirmation branch for receiving the user terminal input
Instruction is paid, respectively after deducting the corresponding actual delivery amount of money in first payment account and second payment account,
It further comprises the steps of:
The actual delivery amount of money of the actual delivery amount of money of first payment account and second payment account is transferred to default
Intermediate account, and generate with user identifier third borrow or lend money serial number；
It, will be complete in the intermediate account according to preset merchant identification in the preset terms of payment and the end article information
Portion's actual delivery amount of money is transferred to internet merchant account corresponding with the merchant identification；Wherein, the preset terms of payment include pre-
If the payment time limit.
8. a kind of online payment device characterized by comprising
Pay invoice obtains module, for obtaining the pay invoice with user information and end article information；Wherein, the use
At least two payment accounts are preset in the information of family, the end article information is preset with favor information；
Limit display module is paid, the corresponding relationship of the favor information and the first payment account that are pre-established for basis,
Show the payment limit of first payment account；
Payment amount setup module, for receiving the setting instruction of user terminal input, to instruct setting institute according to the setting
State the actual delivery amount of money of the first payment account；
Payment amount generation module, for according to the actual delivery amount of money of first payment account and the branch of the pay invoice
Total value is paid, the actual delivery amount of money of the second payment account is generated；
Payment amount deducts module, for receiving the confirmation payment instruction of the user terminal input, respectively from described first
It pays a bill and deducts the corresponding actual delivery amount of money in family and second payment account, to complete online payment.
9. online payment device as claimed in claim 8, which is characterized in that the payment amount setup module, comprising:
Instruction receiving unit generates institute for receiving the setting instruction of the payment terminal input to instruct according to the setting
State the amount of money to be paid of the first payment account；
Limit judging unit is paid, for judging whether the amount of money to be paid of first payment account is less than or equal to the branch
Pay limit；
First assignment unit, when being less than or equal to the payment limit for the amount of money to be paid in first payment account,
The actual delivery amount of money of first payment account is assigned a value of to the amount of money to be paid of first payment account；Otherwise, by institute
The actual delivery amount of money for stating the first payment account is assigned a value of the payment limit.
10. online payment device as claimed in claim 8, which is characterized in that the payment amount generation module, comprising:
Amount calculation unit to be paid, for according to first payment account the actual delivery amount of money and the total payment,
Calculate the amount of money to be paid of second payment account；
Remaining sum judging unit, for judging whether the remaining sum of second payment account is greater than or equal to second payment account
The amount of money to be paid；
Second assignment unit, for the remaining sum in second payment account more than or equal to second payment account wait prop up
When paying the amount of money, the actual delivery amount of money of second payment account is assigned a value of to the amount of money to be paid of second payment account；
The actual delivery amount of money provide unit, for the remaining sum in second payment account be less than second payment account to
When payment amount, transfer request is sent to Third-party payment platform, so that the Third-party payment platform is paid to described second
Account is transferred to fund, to provide the required actual delivery amount of money to second payment account.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710768406.8A CN109426951A (en) | 2017-08-31 | 2017-08-31 | A kind of online payment method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710768406.8A CN109426951A (en) | 2017-08-31 | 2017-08-31 | A kind of online payment method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109426951A true CN109426951A (en) | 2019-03-05 |
Family
ID=65505146
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710768406.8A Pending CN109426951A (en) | 2017-08-31 | 2017-08-31 | A kind of online payment method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN109426951A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110111107A (en) * | 2019-05-07 | 2019-08-09 | 苏州达家迎信息技术有限公司 | A kind of method of payment, device, equipment and storage medium |
| CN110458557A (en) * | 2019-07-03 | 2019-11-15 | 杭州复杂美科技有限公司 | A kind of mode of payment, equipment and storage medium |
| WO2021022711A1 (en) * | 2019-08-02 | 2021-02-11 | 平安科技（深圳）有限公司 | Multi-person joint payment method and apparatus, computer device and storage medium |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104603808A (en) * | 2012-03-30 | 2015-05-06 | 派欧维森私人有限公司 | Payment apparatus and method |
| CN105335847A (en) * | 2014-06-30 | 2016-02-17 | 阿里巴巴集团控股有限公司 | Operation method and device of electronic account |
| CN106022759A (en) * | 2016-06-20 | 2016-10-12 | 中国银联股份有限公司 | Electronic payment method supporting multiple accounts |
| CN107103461A (en) * | 2017-05-02 | 2017-08-29 | 广州市智专信息科技有限公司 | A kind of method of payment and corresponding portable terminal, POS |
-
2017
- 2017-08-31 CN CN201710768406.8A patent/CN109426951A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104603808A (en) * | 2012-03-30 | 2015-05-06 | 派欧维森私人有限公司 | Payment apparatus and method |
| CN105335847A (en) * | 2014-06-30 | 2016-02-17 | 阿里巴巴集团控股有限公司 | Operation method and device of electronic account |
| CN106022759A (en) * | 2016-06-20 | 2016-10-12 | 中国银联股份有限公司 | Electronic payment method supporting multiple accounts |
| CN107103461A (en) * | 2017-05-02 | 2017-08-29 | 广州市智专信息科技有限公司 | A kind of method of payment and corresponding portable terminal, POS |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110111107A (en) * | 2019-05-07 | 2019-08-09 | 苏州达家迎信息技术有限公司 | A kind of method of payment, device, equipment and storage medium |
| CN110111107B (en) * | 2019-05-07 | 2021-10-26 | 苏州达家迎信息技术有限公司 | Payment method, device, equipment and storage medium |
| CN110458557A (en) * | 2019-07-03 | 2019-11-15 | 杭州复杂美科技有限公司 | A kind of mode of payment, equipment and storage medium |
| CN110458557B (en) * | 2019-07-03 | 2022-05-24 | 杭州复杂美科技有限公司 | Payment method, payment equipment and storage medium |
| WO2021022711A1 (en) * | 2019-08-02 | 2021-02-11 | 平安科技（深圳）有限公司 | Multi-person joint payment method and apparatus, computer device and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US8751392B1 (en) | Method for transferring funds | |
| US9530131B2 (en) | Transaction processing using a global unique identifier | |
| US11379868B1 (en) | Dynamically financed customer engagement campaign | |
| US8799149B2 (en) | Loyalty rewards optimization bill payables and receivables service | |
| AU2008279155B2 (en) | Multi-vendor multi-loyalty currency program | |
| US20080005018A1 (en) | Systems And Methods For Implementing Direct Issuer - Merchant Relationships Over A General Purpose Bankcard Network | |
| US20040205023A1 (en) | Money transfer convenience card, systems and methods | |
| US20080301044A1 (en) | Gift card reimbursement system and method | |
| US20120101894A1 (en) | Real-time point redemption in a merchant redemption network | |
| US20120323669A1 (en) | Incentivizing low-transaction-cost payments | |
| WO2004090690A3 (en) | Fraud control method and system for network transactions | |
| US20110071892A1 (en) | Control system arrangements and methods for disparate network systems | |
| US20120130785A1 (en) | Method and system for redeeming rewards in payment of a transaction account | |
| CN108305169A (en) | Prepaid card transactions data save method and device | |
| CN109426951A (en) | A kind of online payment method and device | |
| CN106408294A (en) | IC card automatic recharge method and system | |
| US20100145833A1 (en) | Automated transactional carbon offsetting | |
| WO2009085371A1 (en) | Methods and systems for applying a rewards program promotion to payment transactions | |
| CN102214337A (en) | Commodity transaction settlement method and system | |
| WO2017027801A1 (en) | Digital currency and a system and method for transferring value using the digital currency | |
| CN107944690A (en) | The consumption of establishment expense and settlement method, apparatus and system, terminal device | |
| CN205486276U (en) | Intelligence IC -card metering device is long -range to supplement family expenses with money and writes to clamp and put | |
| CN204667463U (en) | A kind of payment system based on Quick Response Code | |
| US8682757B2 (en) | Method and apparatus for processing financial transactions subject to different financing terms | |
| US20160371682A1 (en) | Systems and methods for providing variable fee rates for processing a transaction |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20190305 |
|
| RJ01 | Rejection of invention patent application after publication |