CN109447677A - A kind of method of payment, equipment and system - Google Patents
A kind of method of payment, equipment and system Download PDFInfo
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- CN109447677A CN109447677A CN201811063265.0A CN201811063265A CN109447677A CN 109447677 A CN109447677 A CN 109447677A CN 201811063265 A CN201811063265 A CN 201811063265A CN 109447677 A CN109447677 A CN 109447677A
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- user
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0208—Trade or exchange of goods or services in exchange for incentives or rewards
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
Abstract
This application provides a kind of method of payment, payment server, client, payment system, computer equipment and computer readable storage mediums, belong to payment technical field, and payment system includes: client and payment server；The client, for sending user's payment request, the existing channels to fund of user of N before display payment income ranking receive and send the channels to fund of user's selection and the payment information of input；The payment server, for receiving user's payment request, extract the existing channels to fund of user, calculate the payment income of the simultaneously existing each channels to fund of ordering user, send the existing channels to fund of user of N before paying income ranking, the channels to fund of user's selection and the payment information of input are received, payment is completed according to the payment information of the channels to fund of user's selection and input.
Description
Technical field
The application belongs to payment technical field more particularly to a kind of method of payment, payment server, client, payment system, meter
Calculate machine equipment and computer readable storage medium.
Background technique
The consumption of current some countries is unfolded around credit card, and each user possesses multiple credits card, no
Same credit card has different purposes, such as has aviation card, food and drink card, purchase card, gas filling card, card etc. of calling a taxi.Each credit card
Provider often provides payment and returns the services such as existing, free exchange (for example exchange air ticket, hotel, hire a car) to solicit user,
In the case where having a variety of credits card for user, user need to determine payment income by way of manually calculating.This kind of determination
There are poor user experiences for the mode of payment income, can not accurately reach the defect of maximum revenue.
It is paid on line in the prior art, funds for payment channel is fixed, or needs artificial selection channels to fund, this two
Kind mode haves the defects that burden for users weight, poor user experience.
Therefore, a kind of new scheme how is provided, being able to solve above-mentioned technical problem is this field skill urgently to be resolved
Art problem.
Summary of the invention
In view of this, this application provides a kind of method of payment, payment server, client, payment system, computers to set
Standby and computer readable storage medium, when user initiates user's payment request, payment server is existing by extracting user
Channels to fund, calculate and the existing each channels to fund of ordering user payment income, send payment income ranking before N user
Existing channels to fund are to the client, due to illustrating payment income ranking results from trend user, so that user is not necessarily to
Memoriter guess which kind of channels to fund is just able to achieve maximum revenue, the application can increase user's income, improve user experience.
To achieve the above object, it is as follows to provide technical solution by the application:
According to a first aspect of the present application, a kind of method of payment is proposed, payment server is applied to, comprising:
Receive user's payment request that client is sent；
The existing channels to fund of user are extracted, the payment income of the simultaneously existing each channels to fund of ordering user is calculated；
The existing channels to fund of user for sending N before paying income ranking are selected to the client for user, receive visitor
The channels to fund for user's selection that family end is sent and the payment information of input；And
Payment is completed according to the payment information of the channels to fund of user's selection and input.
According to a second aspect of the present application, a kind of method of payment is proposed, client is applied to, comprising:
User's payment request is sent to payment server, receives and show the payment income row that the payment server is sent
The existing channels to fund of user of N before name；
The channels to fund of user's selection and the payment information of input are received, channels to fund and the input of user's selection are sent
Payment information is to the payment server.
According to the third aspect of the application, a kind of payment server is proposed, comprising:
First interactive module, for receiving user's payment request of client transmission；
Analysis module calculates and the existing each channels to fund of ordering user for extracting the existing channels to fund of user
Pay income；
Second interactive module, for sending the existing channels to fund of user of N before payment income ranking to the client
It is selected for user, receives the channels to fund for user's selection that the client is sent and the payment information of input；And
The payment information of payment module, channels to fund and input for being selected according to user completes payment.
According to the fourth aspect of the application, a kind of client is proposed, comprising:
First interactive module receives for sending user's payment request to payment server and shows the payment services
The existing channels to fund of user of N before the payment income ranking that device is sent；And
Second interactive module sends user's selection for receiving the channels to fund of user's selection and the payment information of input
Channels to fund and input payment information to the payment server.
According to the 5th of the application the aspect, a kind of payment system is proposed, comprising: payment server and client；
The client, for sending user's payment request, the existing fund canal of user of N before display payment income ranking
Road receives and sends the channels to fund of user's selection and the payment information of input；
The payment server extracts the existing channels to fund of user, calculates and sort for receiving user's payment request
The payment income of the existing each channels to fund of user sends the existing channels to fund of user of N before paying income ranking for user
Selection receives the channels to fund of user's selection and the payment information of input, according to the channels to fund of user's selection and the branch of input
It pays information and completes payment.
According to the 6th of the application the aspect, a kind of calculating equipment is proposed, the calculating equipment includes: to be adapted for carrying out each finger
The processor and storage equipment of order, the storage equipment are stored with a plurality of instruction, and described instruction is suitable for by processor load simultaneously
It executes:
Receive user's payment request that client is sent；
The existing channels to fund of user are extracted, the payment income of the simultaneously existing each channels to fund of ordering user is calculated；
The existing channels to fund of user for sending N before paying income ranking are selected to the client for user, receive institute
State the channels to fund of user's selection of client transmission and the payment information of input；And
Payment is completed according to the payment information of the channels to fund of user's selection and input.
According to the 7th of the application the aspect, a kind of computer readable storage medium, the computer-readable storage are proposed
Media storage has computer program, and the computer program is for executing:
Receive user's payment request that client is sent；
The existing channels to fund of user are extracted, the payment income of the simultaneously existing each channels to fund of ordering user is calculated；
The existing channels to fund of user for sending N before paying income ranking are selected to the client for user, receive institute
State the channels to fund of user's selection of client transmission and the payment information of input；And
Payment is completed according to the payment information of the channels to fund of user's selection and input.
According to the eighth aspect of the application, a kind of calculating equipment is proposed, the calculating equipment includes: to be adapted for carrying out each finger
The processor and storage equipment of order, the storage equipment are stored with a plurality of instruction, and described instruction is suitable for by processor load simultaneously
It executes:
User's payment request is sent to payment server, receives and show the payment income row that the payment server is sent
The existing channels to fund of user of N before name；
The channels to fund of user's selection and the payment information of input are received, channels to fund and the input of user's selection are sent
Payment information is to the payment server.
According to the 9th of the application the aspect, a kind of computer readable storage medium, the computer-readable storage are proposed
Media storage has computer program, and the computer program is for executing:
User's payment request is sent to payment server, receives and show the payment income row that the payment server is sent
The existing channels to fund of user of N before name；
The channels to fund of user's selection and the payment information of input are received, channels to fund and the input of user's selection are sent
Payment information is to the payment server.
By above technical scheme as it can be seen that the application supply a kind of method of payment, payment server, client, payment system,
Computer equipment and computer readable storage medium, when user initiates user's payment request, payment server passes through extraction
The existing channels to fund of user, calculate and the payment income of the existing each channels to fund of ordering user, transmission pay income ranking
The existing channels to fund of the user of preceding N are to the client, due to illustrating payment income ranking results from trend user, so that
For user without memoriter guessing which kind of channels to fund is just able to achieve maximum revenue, the application can increase user's income, improve
User experience.
For the above and other objects, features and advantages of the application can be clearer and more comprehensible, preferred embodiment is cited below particularly,
And cooperate institute's accompanying drawings, it is described in detail below.
Detailed description of the invention
Technical solution in ord to more clearly illustrate embodiments of the present application, below will be to required use in embodiment description
Attached drawing be briefly described, it should be apparent that, the drawings in the following description are only some examples of the present application, for this
For the those of ordinary skill of field, without creative efforts, it can also be obtained according to these attached drawings others
Attached drawing.
Fig. 1 shows a kind of structural schematic diagram of the embodiment one of payment system of the application；
Fig. 2 shows the interaction schematic diagrames in payment system shown in Fig. 1 between client and payment server；
Fig. 3 shows a kind of structural schematic diagram of the embodiment two of payment system of the application；
Fig. 4 shows the interaction schematic diagram in payment system shown in Fig. 3 between face recognition device and payment server；
Fig. 5 shows a kind of structural schematic diagram of the embodiment one of payment server of the application；
Fig. 6 shows a kind of structural schematic diagram of the embodiment two of payment server of the application；
Fig. 7 shows a kind of structural schematic diagram of the embodiment three of payment server of the application；
Fig. 8 shows a kind of structural schematic diagram of client of the application；
Fig. 9 shows a kind of process signal of embodiment one of the method for payment applied to payment server of the application
Figure；
Figure 10 shows a kind of process signal of embodiment two of the method for payment applied to payment server of the application
Figure；
Figure 11 shows a kind of flow diagram of the method for payment applied to client of the application；
The order that Figure 12 A shows the application specific embodiment determines interface schematic diagram；
Figure 12 B shows the payment affirmation interface schematic diagram of the application specific embodiment；
Figure 12 C shows the information input interface schematic diagram of the application specific embodiment；
Interface schematic diagram is completed in the payment that Figure 12 D shows the application specific embodiment.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present application, technical solutions in the embodiments of the present application carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of embodiments of the present application, instead of all the embodiments.It is based on
Embodiment in the application, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall in the protection scope of this application.
Below with reference to several representative embodiments of the application, the principle and spirit of the application are illustrated in detail.
Although being based on this application provides as the following examples or method operating procedure shown in the drawings or apparatus structure
Routine may include more or less operating procedure or mould in the method or device without creative labor
Module unit.In the step of there is no necessary causalities in logicality or structure, the execution sequences of these steps or device
Modular structure is not limited to the embodiment of the present application or execution shown in the drawings sequence or modular structure.The method or modular structure
Device in practice or end product in application, can according to embodiment or method shown in the drawings or modular structure into
Row sequence executes or parallel execution.
The information such as time, price, commodity, the model mentioned in attached drawing are that citing needs what is carried out to fabricate, and non-real
Real generation example.
Fig. 1 shows a kind of schematic diagram of the embodiment one of payment system of the application, referring to Fig. 1, payment system packet
It includes: client 100 and payment server 200.
The client 100, for sending user's payment request, the existing money of user of N before display payment income ranking
Golden channel receives and sends the channels to fund of user's selection and the payment information of input.
Specifically, in the present embodiment, can be can be based on network protocol access to communication networks for the client
Terminal device runs on shopping application software on the terminal device, such as Alipay, Taobao, only product can be waited using soft
Part client.
In the present embodiment, user's payment request is confirmed by user and is initiated when doing shopping, comprising: user information, receipts
Money side's information and order information.In some embodiments, order information includes Merchant name, product name, commodity amount, order
The information such as the amount of money, lower single time.Commodity herein include but is not limited to physical commodity and coupon.If physical commodity, user
It further include the information such as shipping address, consignee, contact method in payment request.It further include that service is enjoyed under line if coupon
Process, referring specifically to enjoying process shown in service process and Figure 10 under line in the prior art.
In the present embodiment, the existing channels to fund of user include credit card (the card group/hair being bound under user name in advance
Block row/hair fastener businessman).Payment information is, for example, that payment cipher etc. uniquely confirms to pay effective information, and the application is to disbursement letter
Why not breath specifically limits.The channels to fund of user's selection and the payment information of input can be sent simultaneously, can also be distinguished
It sends (as shown in Figure 12 B and Figure 12 C).
The payment server 200 extracts the existing channels to fund of user, calculates simultaneously for receiving user's payment request
The payment income of the existing each channels to fund of ordering user sends the existing channels to fund confession of user of N before payment income ranking
User's selection receives the channels to fund of user's selection and the payment information of input, according to the channels to fund of user's selection and input
Payment information complete payment.
Specifically, payment server is, for example, Third-party payment platform (such as Alipay) server, and user is using this
At least one channels to fund need to be bound in advance in payment server before application payment system.
When implementation, payment server according to the payment incomes of the existing channels to fund of order information ordering user, in fact,
It is different that each channels to fund operator returns existing dynamics to the different classes of commodity of different businessmans.
Fig. 2 shows the interaction schematic diagrames in payment system shown in Fig. 1 between client and payment server, please refer to figure
2, the interactive process in payment system between client and payment server includes:
S1: user will pop up order after confirmation purchase and determine interface after client chooses commodity, as illustrated in fig. 12,
Order determines that interface includes a submission Order button, and user initiates to submit order operation by clicking the submission Order button.Figure
12A is merely to illustrate a kind of embodiment of the application, and in some other embodiments, user can confirm that purchase is multiple simultaneously
Commodity, in some other embodiments, if client access has multiple payment servers, (every kind of payment server provides one kind
The means of payment), user shows that the means of payment determines interface after submitting order, so that user determines the means of payment.
S2: client submits order operation according to user or determines that means of payment operation sends user's payment request and extremely pays
Server, wherein user's payment request includes user information, beneficiary information and order information, and order information includes businessman's name
Claim, product name, commodity amount, the order amount of money, lower single time etc..
S3: payment server receive user's payment request, extract the existing channels to fund of user, calculate and ordering user
The payment income for each channels to fund having, send payment income ranking before N the existing channels to fund of user to client for
User's selection.When it is implemented, a user can not possess all credits card, in order to promote user's income, in addition to calculating
And outside the payment income of the existing each channels to fund of ordering user, the payment for each channels to fund that simultaneously ordering user does not have is also calculated
The channels to fund that the user of M before payment income ranking does not have are sent to client and checked for user by income, and user can be according to this
The situation of Profit of the M channels to fund not having determines whether to handle the credit card of this M channels to fund.
S4: the existing channels to fund of user of N before client display payment income ranking receive and send user's selection
Channels to fund and the payment information of input are to payment server.
When it is implemented, user existing channels to fund of the client by N before payment affirmation interface display ranking, such as scheme
Shown in 12B, so that user determines channels to fund, user clicks to pay now will pop up information input circle shown in Figure 12 C later
Face, so that user inputs payment information.
S5: payment server receives the channels to fund of user's selection and the payment information of input, the money selected according to user
Golden channel and the payment information of input complete payment.
When it is implemented, sending payment successful information to client, such as Figure 12 D after payment is completed in payment server confirmation
It is shown.
In payment system provided in this embodiment, payment server is calculated simultaneously by extracting the existing channels to fund of user
The payment income of the existing each channels to fund of ordering user sends the existing channels to fund of user of N before paying income ranking extremely
The client, due to illustrating payment income ranking results from trend user, so that user is without memoriter guessing which kind of is provided
Golden channel is just able to achieve maximum revenue, can increase user's income, improves user experience.
Currently, many shopping clients all provide online payment, the shopping mode of service is enjoyed under line, enjoys service under line
When need to authenticate, existing authentication mode predominantly pass through client provide line on order information, or operation client mode
Check and write off order, the existing mode for checking and writing off order can bring inconvenience to user, such as in the non-carried terminal of user, without network
Or when weak net, will be unable to complete checking and writing off for order causes user without enjoying service under normal.In order to solve this problem, the application mentions
For a kind of payment system, as shown in figure 3, payment system includes: client 100, payment server 200 and face recognition device
300。
Client 100, for sending O2O certificate acquisition request, receiving and showing that O2O certificate buys interface；When receiving user
It is bought when interface input subscribes really and buys the instruction of O2O certificate according to O2O certificate and sends user's payment request；Before display payment income ranking
The existing channels to fund of the user of N receive and send the channels to fund of user's selection and the payment information of input.
Payment server 200 sends O2O certificate and buys interface for receiving the O2O certificate acquisition request sent；Receive user
Payment request extracts the existing channels to fund of user, calculates the payment income of the simultaneously existing each channels to fund of ordering user, sends
The existing channels to fund of user of N before payment income ranking receive the channels to fund of user's selection and the payment information of input, root
Payment is completed according to the channels to fund of user's selection and the payment information of input, completes the bill to be checked and write off for generating user after paying.
Specifically, bill to be checked and write off includes Business Information and the order amount of money, may also include service life, Transaction Identification Number, O/No., under
The information such as single time, the application, which treats, checks and writes off content that bill specifically includes without limitation.Bill to be checked and write off can be by two dimensional code, sequence
Row number (being made of character, letter, number etc.) indicates.
Face recognition device 300, for collecting and sending facial image of user.The face recognition device is arranged in businessman
It is interior, payment server is accessed based on network protocol, Business Information is also sent while sending user's facial image, Business Information is used
Equipment is identified in unique locating human face.When it is implemented, needing user that recognition of face is authorized to set to guarantee user information safety
After standby, face recognition device could acquire the facial image of user.
Payment server 200 is also used to receive the facial image of the user of face recognition device transmission；By the user's
Facial image is compared with pre-stored facial image, if it exists the facial image of pre-stored facial image and user
Unanimously, then bill to be checked and write off relevant to the Business Information is searched.
Further, payment server 200 has been checked and write off after checking and writing off bill further include: calculates and record the receipts of this time payment
Benefit.
Further, it is checked and write off for the ease of user's understanding and situation of Profit, payment server 200 has checked and write off bill to be checked and write off
Afterwards further include: feedback checks and writes off result and payment income.
The present embodiment can increase user's income, improve user experience, check and write off user by way of recognition of face and wait for core
The unirecord that writes off can guarantee that user can smoothly enjoy under any circumstance (such as not weak etc. with client, without network or net)
It is serviced under line.
In order to become apparent from the interactive process illustrated in the present embodiment between face recognition device and payment server, below with
One specific embodiment is described in detail, and user has purchased 200 yuan of meal ticket of Pizza Hut by process described in Fig. 2
(referring to fig. 2, details are not described herein again for the interactive process between client and payment server), as shown in figure 4, face recognition device
Interactive process between payment server includes:
S1: user comes Pizza Hut, after having selected meal or having eaten up meal, comes in face of face recognition device, and authorize
Face recognition device.
S2: face recognition device acquires the facial image of user, and facial image and the Business Information for sending user are (i.e. invincible
Objective dining room information can be indicated with face recognition device ID) to payment server.
S3: payment server receives the facial image and Business Information for the user that face recognition device is sent；By the use
The facial image at family is compared with pre-stored facial image, if it exists the face of pre-stored facial image and user
Image is consistent, then searches and check and write off user bill to be checked and write off relevant to Business Information.
Specifically, pre-stored facial image is to be uploaded to payment server when authorizing recognition of face by user
, the image data base being stored in payment server.Payment server is searched and to check and write off the user related to Business Information
The process of bill to be checked and write off to include: payment server can determine face recognition device institute by inquiring recognition of face device id
Belong to Business Information；According to face recognition device affiliated Business Information from the user wait check and write off searched in bill it is corresponding to be confirmed
Bill.
S4: after bill to be checked and write off is checked and write off, payment server also passes through mail or short message transmission has checked and write off notice to user.
S5: after bill to be checked and write off is checked and write off, payment server also calculates and records the income of this time payment.User can pass through
Client inquires this time payment income from payment server.
Payment system provided in this embodiment checks and writes off user's bill to be checked and write off by way of recognition of face can guarantee to use
Family can smoothly enjoy under line and service under any circumstance (such as not band client, weak etc. without network or net), improve user's body
It tests.
Fig. 5 shows a kind of structural schematic diagram of the embodiment one of payment server of the application, referring to Fig. 5, payment
Server 200 includes:
First interactive module 210, for receiving user's payment request of client transmission.
Analysis module 220 calculates the simultaneously existing each channels to fund of ordering user for extracting the existing channels to fund of user
Payment income.
Second interactive module 230, for sending the existing channels to fund of user of N before payment income ranking to the client
End receives the channels to fund for user's selection that the client is sent and the payment information of input.And
The payment information of payment module 240, channels to fund and input for being selected according to user completes payment.
Further, payment server also provides shopping service, and the first interactive module 210 receives the user that client is sent
It is also used to before payment request: receiving the O2O certificate acquisition request that client is sent, sent O2O certificate and buy interface to the client
End display.Wherein, O2O certificate purchase interface is used to select O2O certificate for user, and client receives user's input and subscribes really
User's payment request is initiated when buying the instruction of O2O certificate.
Fig. 6 shows a kind of structural schematic diagram of the embodiment two of payment server of the application, referring to Fig. 6, payment
Server 200 in addition to include the first interactive module 210, analysis module 220, the second interactive module 230 and payment module 240 other than,
Further include: logging modle 250, the bill to be checked and write off for completing to generate user after paying.
Fig. 7 shows a kind of structural schematic diagram of the embodiment three of payment server of the application, referring to Fig. 7, payment
Server 200 is in addition to including the first interactive module 210, analysis module 220, the second interactive module 230, payment module 240, record
Outside module 250, further includes:
Memory module 260, for facial image to be stored in advance；
Third interactive module 270, the facial image and Business Information of the user for receiving face recognition device transmission；
Module 280 is checked and write off in certification, the facial image for storing the facial image of the user and memory module 260 into
Row comparison, pre-stored facial image is consistent with the facial image of the user if it exists, then searches and check and write off and believe with businessman
Cease the bill to be checked and write off of relevant user.
Fig. 8 shows a kind of structural schematic diagram of client of the application, and refering to Fig. 8, client 100 includes:
First interactive module 110 receives for sending user's payment request to payment server and shows the payment clothes
The existing channels to fund of user of N before the payment income ranking that device is sent of being engaged in.
In some embodiments, first interactive module is also used before sending user's payment request to payment server
In: O2O certificate acquisition request is sent to payment server, receives and show the O2O certificate purchase interface that the payment server is sent.
Wherein, O2O certificate purchase interface is used to select O2O certificate for user, and client, which receives user's input, subscribes really and buy O2O certificate
User's payment request is initiated when instruction.
Second interactive module 120 sends user's choosing for receiving the channels to fund of user's selection and the payment information of input
The payment information of the channels to fund and input selected is to the payment server.
In some embodiments of the application, client can be in a manner of functional module by each component of software realization
Function is run on the intelligent terminal.
In the embodiment of the application, a kind of calculating equipment is also provided, the calculating equipment includes: to be adapted for carrying out each instruction
Processor and storage equipment, the storage equipment be stored with a plurality of instruction, described instruction is suitable for being loaded and being held by processor
Row:
Receive user's payment request that client is sent；
The existing all channels to fund of user are extracted, the payment income of the simultaneously existing each channels to fund of ordering user is calculated；
The existing channels to fund of user for sending N before paying income ranking are selected to the client for user, receive institute
State the channels to fund of user's selection of client transmission and the payment information of input；And
Payment is completed according to the payment information of the channels to fund of user's selection and input.
In the embodiment of the application, a kind of computer readable storage medium, the computer-readable storage medium are also provided
Matter is stored with computer program, and the computer program is for executing:
Receive user's payment request that client is sent；
The existing channels to fund of user are extracted, the payment income of the simultaneously existing each channels to fund of ordering user is calculated；
The existing channels to fund of user for sending N before paying income ranking are selected to the client for user, receive institute
State the channels to fund of user's selection of client transmission and the payment information of input；And
Payment is completed according to the payment information of the channels to fund of user's selection and input.
In the embodiment of the application, a kind of calculating equipment is also provided, the calculating equipment includes: to be adapted for carrying out each instruction
Processor and storage equipment, the storage equipment be stored with a plurality of instruction, described instruction is suitable for being loaded and being held by processor
Row:
User's payment request is sent to payment server, receives and show the payment income row that the payment server is sent
The existing channels to fund of user of N before name；
The channels to fund of user's selection and the payment information of input are received, channels to fund and the input of user's selection are sent
Payment information is to the payment server.
In the embodiment of the application, a kind of computer readable storage medium, the computer-readable storage medium are also provided
Matter is stored with computer program, and the computer program is for executing:
User's payment request is sent to payment server, receives and show the payment income row that the payment server is sent
The existing channels to fund of user of N before name；
The channels to fund of user's selection and the payment information of input are received, channels to fund and the input of user's selection are sent
Payment information is to the payment server.
In the payment system for describing the application, payment services end, client, calculate equipment and computer-readable storage
Medium, next, the present processes are introduced with reference to attached drawing.The implementation of this method may refer to the reality of above system
It applies, overlaps will not be repeated.
Fig. 9 shows a kind of process signal of embodiment one of the method for payment applied to payment server of the application
Figure, referring to Fig. 9, the described method includes:
S910: user's payment request that client is sent is received.
In some embodiments, before the user's payment request for receiving client transmission further include: receive client and send
O2O certificate acquisition request, send O2O certificate purchase interface to the client show.Wherein, O2O certificate purchase interface is used for
O2O certificate is selected for user, client receives user's input and subscribes initiation user's payment request when buying the instruction of O2O certificate really.
S920: extracting the existing channels to fund of user, calculates the payment income of the simultaneously existing each channels to fund of ordering user.
Payment server is stored with each channels to fund and is sorted shown in following table according to order information to the existing rate of returning of commodity of all categories
The payment income of each channels to fund of user.
S930: the existing channels to fund of user of N before payment income ranking are sent to the client.
S940: the channels to fund for user's selection that client is sent and the payment information of input are received.
S950: payment is completed according to the payment information of the channels to fund of user's selection and input.
In one embodiment of the application, for enjoying the shopping mode of service under online payment, line, it is applied to payment server
Method of payment include under online payment and line consumption two processes, the process of online payment is referring to abovementioned steps S910 to step
S950 further includes S960: completing the bill to be checked and write off of generation user after payment.As shown in Figure 10, the process of service is enjoyed under line
Include:
S1010: the facial image and Business Information of the user that face recognition device is sent are received；
S1020: the facial image of the user and pre-stored facial image are compared, are stored in advance if it exists
Facial image it is consistent with the facial image of the user, then search and check and write off the user's relevant to the Business Information
Bill to be checked and write off.
Further, after checking and writing off the corresponding bill record of the user further include: S1030: calculating and records this time payment
Income.
The present embodiment checks and writes off user's bill record to be checked and write off by way of recognition of face can guarantee user in any feelings
(such as not weak etc. with client, without network or net), which can smoothly enjoy under line, under condition services, and improves user experience.
Figure 11 shows a kind of flow diagram of the method for payment applied to client of the application, please refers to Figure 11, institute
The method of stating includes:
S1110: user's payment request is sent to payment server.
In some embodiments, before transmission user's payment request to payment server further include: send the acquisition of O2O certificate and asks
It asks to payment server；Receive and show the O2O certificate purchase interface that the payment server is sent；When receive user according to
O2O certificate purchase interface input is subscribed really sends user's payment request to payment server when buying the instruction of O2O certificate.
S1120: receiving and shows the existing fund canal of user of N before the payment income ranking of the payment server transmission
Road.
S1130: receive user selection channels to fund and input payment information, send user selection channels to fund and
The payment information of input is to the payment server.
In conclusion this application provides a kind of method of payment, payment server, client, payment system, computers to set
Standby and computer readable storage medium, when user initiates user's payment request, payment server is existing by extracting user
Channels to fund, calculate and the existing each channels to fund of ordering user payment income, send payment income ranking before N user
Existing channels to fund are to the client, due to illustrating payment income ranking results from trend user, so that user is not necessarily to
Memoriter guess which kind of channels to fund is just able to achieve maximum revenue, the application can increase user's income, improve user experience.
User's bill to be checked and write off record is checked and write off by way of recognition of face can guarantee user (such as not band client under any circumstance
It is end, weak etc. without network or net) it can smoothly enjoy under line and service.
It should be noted that although describing the operation of the method for the present invention in the accompanying drawings with particular order, this is not required that
Or hint must execute these operations in this particular order, or have to carry out operation shown in whole and be just able to achieve the phase
The result of prestige.Additionally or alternatively, it is convenient to omit multiple steps are merged into a step and executed by certain steps, and/or will
One step is decomposed into execution of multiple steps.
Although this application provides the method operating procedure as described in embodiment or flow chart, based on conventional or noninvasive
The means for the property made may include more or less operating procedure.The step of enumerating in embodiment sequence is only numerous steps
One of execution sequence mode, does not represent and unique executes sequence.It, can when device or client production in practice executes
To execute or parallel execute (such as at parallel processor or multithreading according to embodiment or method shown in the drawings sequence
The environment of reason, even distributed data processing environment).The terms "include", "comprise" or its any other variant are intended to contain
Lid non-exclusive inclusion, so that process, method, product or equipment including a series of elements are not only wanted including those
Element, but also including other elements that are not explicitly listed, or further include for this process, method, product or equipment
Intrinsic element.In the absence of more restrictions, be not precluded include the process, method of the element, product or
There is also other identical or equivalent elements in person's equipment.
Unit, device or module that above-described embodiment illustrates etc. can specifically realize by computer chip or entity, or
It is realized by the product with certain function.For convenience of description, various modules point are divided into function when describing apparatus above
It does not describe.It certainly, when implementing the application can the function of each module is real in the same or multiple software and or hardware
It is existing, the module for realizing same function can also be realized by the combination of multiple submodule or subelement etc..Dress described above
Set that embodiment is only schematical, for example, the division of the unit, only a kind of logical function partition, in actual implementation
There may be another division manner, such as multiple units or components can be combined or can be integrated into another system or one
A little features can be ignored, or not execute.Another point, shown or discussed mutual coupling or direct-coupling or communication link
Connecing can be through some interfaces, the indirect coupling or communication connection of device or unit, can be electrical property, mechanical or other shapes
Formula.
It is also known in the art that other than realizing controller in a manner of pure computer readable program code, it is complete
Entirely can by by method and step carry out programming in logic come so that controller with logic gate, switch, specific integrated circuit, programmable
Logic controller realizes identical function with the form for being embedded in microcontroller etc..Therefore this controller is considered one kind
Hardware component, and the structure that the device for realizing various functions that its inside includes can also be considered as in hardware component.Or
Person even, can will be considered as realizing the device of various functions either the software module of implementation method can be hardware again
Structure in component.
The application can describe in the general context of computer-executable instructions executed by a computer, such as program
Module.Generally, program module includes routines performing specific tasks or implementing specific abstract data types, programs, objects, group
Part, data structure, class etc..The application can also be practiced in a distributed computing environment, in these distributed computing environments,
By executing task by the connected remote processing devices of communication network.In a distributed computing environment, program module can
To be located in the local and remote computer storage media including storage equipment.
As seen through the above description of the embodiments, those skilled in the art can be understood that the application can
It realizes by means of software and necessary general hardware platform.Based on this understanding, the technical solution essence of the application
On in other words the part that contributes to existing technology can be embodied in the form of software products, the computer software product
It can store in storage medium, such as ROM/RAM, magnetic disk, CD, including some instructions are used so that a computer equipment
(can be personal computer, mobile terminal, server or the network equipment etc.) executes each embodiment of the application or implementation
Method described in certain parts of example.
Each embodiment in this specification is described in a progressive manner, the same or similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.The application can be used for crowd
In mostly general or special purpose computing system environments or configuration.Such as: personal computer, server computer, handheld device or
Portable device, laptop device, multicomputer system, microprocessor-based system, set top box, programmable electronics set
Standby, network PC, minicomputer, mainframe computer, distributed computing environment including any of the above system or equipment etc..
Although depicting the application by embodiment, it will be appreciated by the skilled addressee that the application there are many deformation and
Variation is without departing from spirit herein, it is desirable to which the attached claims include these deformations and change without departing from the application's
Spirit.
Claims (24)
1. a kind of method of payment, the method is applied to payment server, comprising:
Receive user's payment request that client is sent；
The existing channels to fund of user are extracted, the payment income of the simultaneously existing each channels to fund of ordering user is calculated；
The existing channels to fund of user for sending N before paying income ranking are selected to the client for user, receive the visitor
The channels to fund for user's selection that family end is sent and the payment information of input；And
Payment is completed according to the payment information of the channels to fund of user's selection and input.
2. the method as described in claim 1, user's payment request includes user information, beneficiary information and order information.
3. method according to claim 2 calculates the payment of the simultaneously existing each channels to fund of ordering user according to order information
Income.
4. method according to claim 2, further includes: calculate each channels to fund that simultaneously ordering user does not have according to order information
Payment income；
The channels to fund that the user of M does not have before transmission payment income ranking are checked to the client for user.
5. the method as described in claim 1, before receiving user's payment request that client is sent further include:
The O2O certificate acquisition request that client is sent is received, O2O certificate purchase interface to the client is sent and shows；
Wherein, O2O certificate purchase interface is used to select O2O certificate for user, and client, which receives user's input, subscribes really and buy
User's payment request is initiated when O2O certificate indicates.
6. method as claimed in claim 5, after completing payment further include:
Generate the bill to be checked and write off of user.
7. method of payment as claimed in claim 6, further includes:
Receive the facial image and Business Information of the user that face recognition device is sent；
The facial image of the user and pre-stored facial image are compared, if it exists pre-stored facial image
It is consistent with the facial image of the user, then search and check and write off the account to be checked and write off of the user relevant to the Business Information
It is single.
8. method of payment as claimed in claim 7 checks and writes off the bill to be checked and write off of the user relevant to the Business Information
Afterwards further include: calculate and record the income of this time payment.
9. a kind of method of payment, the method is applied to client, comprising:
User's payment request is sent to payment server, before the payment income ranking for receiving and showing the payment server transmission
The existing channels to fund of the user of N；
The channels to fund of user's selection and the payment information of input are received, the channels to fund of user's selection and the payment of input are sent
Information is to the payment server.
10. method as claimed in claim 9 includes: before sending user's payment request to payment server
O2O certificate acquisition request is sent to payment server, receives and show the O2O certificate purchase circle that the payment server is sent
Face；
User's payment request is sent extremely when receiving user and subscribing really according to O2O certificate purchase interface input and buy the instruction of O2O certificate
Payment server.
11. a kind of payment server, comprising:
First interactive module, for receiving user's payment request of client transmission；
Analysis module calculates the payment of the simultaneously existing each channels to fund of ordering user for extracting the existing channels to fund of user
Income；
Second interactive module, for send payment income ranking before N the existing channels to fund of user to the client for
Family selection receives the channels to fund for user's selection that the client is sent and the payment information of input；And payment module, it uses
Payment is completed in the payment information of the channels to fund and input selected according to user.
12. payment server as claimed in claim 11, first interactive module receives user's payment that client is sent
It is also used to before request: receiving the O2O certificate acquisition request that client is sent, it is aobvious to the client that transmission O2O certificate buys interface
Show；
Wherein, O2O certificate purchase interface is used to select O2O certificate for user, and client, which receives user's input, subscribes really and buy
User's payment request is initiated when O2O certificate indicates.
13. payment server as claimed in claim 12, further includes:
Logging modle, the bill to be checked and write off for completing to generate user after paying.
14. payment server as claimed in claim 12, further includes:
Memory module, for facial image to be stored in advance；
Third interactive module, the facial image and Business Information of the user for receiving face recognition device transmission；
Module is checked and write off in certification, for comparing the facial image of the user and pre-stored facial image, if it exists
Pre-stored facial image is consistent with the facial image of the user, then searches and check and write off institute relevant to the Business Information
State the bill to be checked and write off of user.
15. a kind of client, comprising:
First interactive module receives for sending user's payment request to payment server and shows the payment server hair
The existing channels to fund of user of N before the payment income ranking sent；And
Second interactive module sends the money of user's selection for receiving the channels to fund of user's selection and the payment information of input
Golden channel and the payment information of input are to the payment server.
16. client as claimed in claim 15, first interactive module send user's payment request to payment server it
Before be also used to: send O2O certificate acquisition request to payment server, receive and show the O2O certificate purchase that the payment server is sent
Buy interface；
Wherein, O2O certificate purchase interface is used to select O2O certificate for user, and client, which receives user's input, subscribes really and buy
User's payment request is initiated when O2O certificate indicates.
17. a kind of payment system, comprising: client and payment server；
The client, for sending user's payment request, the existing channels to fund of user of N before display payment income ranking,
Receive and send the channels to fund of user's selection and the payment information of input；
The payment server extracts the existing channels to fund of user, calculates simultaneously ordering user for receiving user's payment request
The payment income of existing each channels to fund, the existing channels to fund of user for sending N before paying income ranking are selected for user,
The channels to fund of user's selection and the payment information of input are received, according to the channels to fund of user's selection and the payment information of input
Complete payment.
18. payment system as claimed in claim 17, the client is sent before user's payment request to payment server
Include: to send O2O certificate acquisition request to payment server, receives and show the O2O certificate purchase circle that the payment server is sent
Face；User's payment request is sent to branch when receiving user and subscribing really according to O2O certificate purchase interface input and buy the instruction of O2O certificate
Pay server；
The payment server receives before user's payment request that client is sent further include: receives the O2O that client is sent
Certificate acquisition request sends O2O certificate purchase interface to the client and shows.
19. payment system as claimed in claim 18, the payment server, be also used to complete to generate after payment user to
Check and write off bill.
20. payment system as claimed in claim 18, further includes: face recognition device, for collecting and sending people of user
Face image and Business Information；
The payment server is also used to compare the facial image of the user and pre-stored facial image, if
It is consistent with the facial image of the user that there are pre-stored facial images, then searches and check and write off related to the Business Information
The bill to be checked and write off of the user.
21. a kind of calculating equipment, the equipment that calculates includes: the processor and storage equipment for being adapted for carrying out each instruction, described
Storage equipment is stored with a plurality of instruction, and described instruction is suitable for being loaded and being executed by processor:
Receive user's payment request that client is sent；
The existing channels to fund of user are extracted, the payment income of the simultaneously existing each channels to fund of ordering user is calculated；
The existing channels to fund of user for sending N before paying income ranking are selected to the client for user, receive the visitor
The channels to fund for user's selection that family end is sent and the payment information of input；And
Payment is completed according to the payment information of the channels to fund of user's selection and input.
22. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, the calculating
Machine program is for executing:
Receive user's payment request that client is sent；
The existing channels to fund of user are extracted, the payment income of the simultaneously existing each channels to fund of ordering user is calculated；
The existing channels to fund of user for sending N before paying income ranking are selected to the client for user, receive the visitor
The channels to fund for user's selection that family end is sent and the payment information of input；And
Payment is completed according to the payment information of the channels to fund of user's selection and input.
23. a kind of calculating equipment, the equipment that calculates includes: the processor and storage equipment for being adapted for carrying out each instruction, described
Storage equipment is stored with a plurality of instruction, and described instruction is suitable for being loaded and being executed by processor:
User's payment request is sent to payment server, before the payment income ranking for receiving and showing the payment server transmission
The existing channels to fund of the user of N；
The channels to fund of user's selection and the payment information of input are received, the channels to fund of user's selection and the payment of input are sent
Information is to the payment server.
24. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, the calculating
Machine program is for executing:
User's payment request is sent to payment server, before the payment income ranking for receiving and showing the payment server transmission
The existing channels to fund of the user of N；
The channels to fund of user's selection and the payment information of input are received, the channels to fund of user's selection and the payment of input are sent
Information is to the payment server.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811063265.0A CN109447677A (en) | 2018-09-12 | 2018-09-12 | A kind of method of payment, equipment and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811063265.0A CN109447677A (en) | 2018-09-12 | 2018-09-12 | A kind of method of payment, equipment and system |
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| Publication Number | Publication Date |
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| CN109447677A true CN109447677A (en) | 2019-03-08 |
Family
ID=65530458
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| Application Number | Title | Priority Date | Filing Date |
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| CN201811063265.0A Pending CN109447677A (en) | 2018-09-12 | 2018-09-12 | A kind of method of payment, equipment and system |
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