CN109460987B

CN109460987B - Mobile terminal payment method and device and terminal equipment

Info

Publication number: CN109460987B
Application number: CN201811254894.1A
Authority: CN
Inventors: 杨婷婷
Original assignee: Guangdong Genius Technology Co Ltd
Current assignee: Guangdong Genius Technology Co Ltd
Priority date: 2018-10-25
Filing date: 2018-10-25
Publication date: 2021-08-27
Anticipated expiration: 2038-10-25
Also published as: CN109460987A

Abstract

The application is applicable to the technical field of software application, and provides a mobile terminal payment method, a device and terminal equipment, wherein the method comprises the following steps: when a payment request sending instruction of a user is received, sending the payment request to each guardian; and when any guardian responds to the payment request, completing payment and canceling the payment request sent to other guardians. The method and the device can solve the problems that in the existing mobile terminal payment mode, the payment speed of the payment function used by the minors depends on the response speed of the guardian, and the convenience and the experience are low.

Description

Mobile terminal payment method and device and terminal equipment

Technical Field

The application belongs to the technical field of software application, and particularly relates to a mobile terminal payment method, a device and terminal equipment.

Background

Along with the continuous popularization of mobile terminals such as smart watches, more and more parents are equipped with mobile terminals such as smart watches for children, and the function of smart watches is also continuously perfect, not only includes conventional contact function, still includes functions such as amusement and payment.

However, for legal reasons, minors cannot own independent payment account numbers, only can bind the payment account numbers of guardians, and when the minors need to pay, the minors initiate payment requests to the guardians, and the minors can pay after agreeing.

The payment speed of the payment mode depends on the response speed of the guardian, when the guardian cannot see the payment request in time, the payment can be completed or even can not be completed within a long time, and the convenience and the experience of the juvenile using the payment function are extremely influenced.

In summary, in the existing mobile terminal payment method, the payment speed of the minors using the payment function depends on the response speed of the guardian, and the convenience and the experience are low.

Disclosure of Invention

In view of this, embodiments of the present application provide a mobile terminal payment method, an apparatus, and a terminal device, so as to solve the problems that in an existing mobile terminal payment method, a payment speed of a payment function used by a minor depends on a response speed of a guardian, and convenience and experience are low.

A first aspect of an embodiment of the present application provides a mobile terminal payment method, including:

when a payment request sending instruction of a user is received, sending the payment request to each guardian;

and when any guardian responds to the payment request, completing payment and canceling the payment request sent to other guardians.

A second aspect of an embodiment of the present application provides a mobile terminal payment device, including:

the request sending module is used for sending the payment request to each guardian when receiving a payment request sending instruction of a user;

and the payment completion module is used for completing payment and canceling the payment request sent to other guardians when any one guardian responds to the payment request.

A third aspect of the embodiments of the present application provides a terminal device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and the processor implements the steps of the method when executing the computer program.

A fourth aspect of embodiments of the present application provides a computer-readable storage medium, in which a computer program is stored, which, when executed by a processor, implements the steps of the method as described above.

Compared with the prior art, the embodiment of the application has the advantages that:

according to the mobile terminal payment method, when a payment request sending instruction of a user is received, the payment request can be sent to each guardian, payment can be completed as long as any one guardian responds to the payment request, the situation that a single guardian is busy or cannot check the payment request in time for a long time and no one answers is caused can be avoided, and the problems that in the existing mobile terminal payment mode, the payment speed of a payment function used by a minor depends on the answer speed of the guardian, and convenience and experience are low are solved.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.

Fig. 1 is a schematic flow chart of an implementation process of a payment method of a mobile terminal provided in an embodiment of the present application;

fig. 2 is a schematic diagram of a mobile terminal payment device provided in an embodiment of the present application;

fig. 3 is a schematic diagram of a terminal device provided in an embodiment of the present application.

Detailed Description

In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the present application. It will be apparent, however, to one skilled in the art that the present application may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present application with unnecessary detail.

In order to explain the technical solution described in the present application, the following description will be given by way of specific examples.

It will be understood that the terms "comprises" and/or "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.

It is also to be understood that the terminology used in the description of the present application herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application. As used in the specification of the present application and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.

It should be further understood that the term "and/or" as used in this specification and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.

As used in this specification and the appended claims, the term "if" may be interpreted contextually as "when", "upon" or "in response to a determination" or "in response to a detection". Similarly, the phrase "if it is determined" or "if a [ described condition or event ] is detected" may be interpreted contextually to mean "upon determining" or "in response to determining" or "upon detecting [ described condition or event ]" or "in response to detecting [ described condition or event ]".

In particular implementations, the mobile terminals described in embodiments of the present application include, but are not limited to, other portable devices such as mobile phones, laptop computers, or tablet computers having touch sensitive surfaces (e.g., touch screen displays and/or touch pads). It should also be understood that in some embodiments, the devices described above are not portable communication devices, but rather are desktop computers having touch-sensitive surfaces (e.g., touch screen displays and/or touch pads).

In the discussion that follows, a mobile terminal that includes a display and a touch-sensitive surface is described. However, it should be understood that the mobile terminal may include one or more other physical user interface devices such as a physical keyboard, mouse, and/or joystick.

The mobile terminal supports various applications, such as one or more of the following: a drawing application, a presentation application, a word processing application, a website creation application, a disc burning application, a spreadsheet application, a gaming application, a telephone application, a video conferencing application, an email application, an instant messaging application, an exercise support application, a photo management application, a digital camera application, a web browsing application, a digital music player application, and/or a digital video player application.

Various applications that may be executed on the mobile terminal may use at least one common physical user interface device, such as a touch-sensitive surface. One or more functions of the touch-sensitive surface and corresponding information displayed on the terminal can be adjusted and/or changed between applications and/or within respective applications. In this way, a common physical architecture (e.g., touch-sensitive surface) of the terminal can support various applications with user interfaces that are intuitive and transparent to the user.

The first embodiment is as follows:

referring to fig. 1, a mobile terminal payment method provided in an embodiment of the present application is described below, where the mobile terminal payment method in the embodiment of the present application includes:

step S101, when a payment request sending instruction of a user is received, sending a payment request to each guardian;

the user can bind accounts of a plurality of guardians in the payment account number of the mobile terminal, the payment mode can comprise a designated payment mode and a multi-person payment mode, when the payment mode is designated, the payment request can only be sent to the designated single guardian, the guardian responds to the payment request, when the multi-person payment mode is adopted, the payment request can be sent to each guardian, and each guardian can respond to the payment request.

The mobile terminal can default the payment mode to a designated payment mode, when a user needs to change the payment mode, a payment mode change request needs to be sent to a designated guardian through the mobile terminal, and if a change approval instruction returned by the designated guardian is received, the payment mode can be changed from the default designated payment mode to a multi-person payment mode.

In the multi-person payment mode, if the mobile terminal receives a payment request sending instruction of the user (for example, the user scans a code, fills in the payment amount and clicks a payment button), the mobile terminal can send the payment request to each guardian through one or more communication modes of short messages, mails, instant messaging software and the like.

And S102, when any guardian responds to the payment request, completing payment and canceling the payment request sent to other guardians.

When any guardian responds to the payment request, the payment can be completed and the payment request sent to other guardians is cancelled, the guardian responds to the payment request and comprises a payment agreement request and a payment refusal request, and the payment completion comprises payment success and payment failure.

When the guardian agrees to the payment request, a certain amount of money can be removed from the account of the guardian to complete the payment operation, the payment request sent to other guardians is cancelled, and the condition of repeated payment is avoided.

Further, when receiving a payment request sending instruction of the user, sending the payment request to each guardian specifically includes:

a1, when receiving the payment request sending instruction of the user, obtaining the corresponding intimacy degree of each guardian;

when the payment request is sent to each guardian, the payment request can be sent to each guardian at the same time or can be sent successively.

Before the payment request is sent to each guardian one by one, the corresponding intimacy degree of each guardian can be obtained.

A2, sending the payment requests to each guardian one by one according to the sequence of the closeness from high to low until any guardian responds to the payment request or sends the payment request to all guardians, wherein a waiting interval with preset duration is arranged between the sending operations of two adjacent payment requests.

Sending the payment requests to all guardians one by one according to the sequence from high affinity to low affinity until any one guardian responds to the payment request or sends the payment request to all guardians, setting a waiting interval with preset duration between the sending operations of two adjacent payment requests, for example, the parent densities of the guardians are in the order of dad, mom, grandpa and breast milk from high to low, then, first, a payment request is sent to dad, dad does not respond after a waiting interval of a preset duration, a payment request is sent to the mother, and so on, until one of the guardians responds to the payment request, or the patient has sent the payment request to all guardians, stops sending the payment request continuously, for example after sending the payment request to the grandpa, in the waiting interval dad responds to the payment request, then there is no need to continue sending payment requests to the milk.

The preset duration of the waiting interval may be set according to actual conditions, and may be set to 10 seconds, for example.

Further, the intimacy degree corresponding to each guardian is a preset intimacy degree.

The corresponding intimacy of each guardian can be a preset intimacy, for example, the intimacy of father can be set to be the highest, and then the immediate relatives of mom, grandpa, breast milk and the like can be set.

Further, the intimacy degree corresponding to each guardian is obtained by calculating the contact times of the user and each guardian.

Or, the intimacy degree corresponding to each guardian may also be calculated by the number of times of contact between the user and each guardian, for example, the greater the number of times of contact, the more intimacy and the higher intimacy degree may indicate that the relationship between the user and the guardian is.

Further, the intimacy degree corresponding to each guardian is obtained through calculation of the contact frequency between the user and each guardian.

Or, the intimacy degree corresponding to each guardian may also be calculated according to the contact frequency between the user and each guardian, for example, the higher the contact frequency is, the more the guardian participates in the management of the daily life of the user, the higher the intimacy degree is.

When the intimacy degree is calculated through the contact times or the contact frequency, a corresponding weight coefficient can be preset for each guardian, the intimacy degree is obtained through weighting calculation of the weight coefficient and the contact times or the contact frequency, and the higher the intimacy degree is, the more likely the guardian is to be a manager of the daily life of the user.

In the mobile terminal payment method provided by the embodiment, the mobile terminal can bind the account numbers of a plurality of guardians, when payment is needed, if a payment request sending instruction of a user is received, the payment request is sent to each guardian, and when one guardian responds to the payment request, payment can be completed, so that the situation that a single guardian cannot check the payment request in time due to busy or other reasons to cause long-time unmanned response can be avoided, and the convenience and the experience of the user for payment by using the mobile terminal are improved.

When the payment request is sent to each guardian, the payment request can be sent to each guardian successively according to the intimacy degree, the guardian who is more intimated with the user receives the payment request earlier, the probability of responding to the payment request is higher, the payment request of the user can be ensured to be responded by the guardian with the intimacy degree as much as possible, and the condition that no person responds but only a single guardian account number is avoided.

The intimacy degree corresponding to each guardian can be a preset intimacy degree, or can be obtained by calculating the contact frequency or the contact frequency of the user and the guardian, and the specific setting mode can be selected according to the actual condition of the user.

It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present application.

Example two:

the second embodiment of the present application provides a mobile terminal payment apparatus, which, for convenience of description, only shows the relevant parts of the present application, and as shown in fig. 2, the mobile terminal payment apparatus includes,

a request sending module 201, configured to send a payment request to each guardian when receiving a payment request sending instruction of a user;

a payment completion module 202, configured to complete payment and cancel the payment request sent to other guardians when any one of the guardians responds to the payment request.

Further, the request sending module specifically includes:

the intimacy sub-module is used for acquiring intimacy corresponding to each guardian when receiving the payment request sending instruction of the user;

and the successive sending submodule is used for sending the payment requests to all the guardians one by one according to the sequence of the intimacy from high to low until any one guardian responds to the payment request or sends the payment request to all the guardians, and a waiting interval with preset duration is arranged between every two sending operations of the payment requests.

It should be noted that, for the information interaction, execution process, and other contents between the above-mentioned devices/units, the specific functions and technical effects thereof are based on the same concept as those of the embodiment of the method of the present application, and specific reference may be made to the part of the embodiment of the method, which is not described herein again.

Example three:

fig. 3 is a schematic diagram of a terminal device provided in the third embodiment of the present application. As shown in fig. 3, the terminal device 3 of this embodiment includes: a processor 30, a memory 31 and a computer program 32 stored in said memory 31 and executable on said processor 30. The processor 30, when executing the computer program 32, implements the steps in the above-described mobile terminal payment method embodiment, such as the steps S101 to S102 shown in fig. 1. Alternatively, the processor 30, when executing the computer program 32, implements the functions of each module/unit in the above-mentioned device embodiments, for example, the functions of the modules 201 to 202 shown in fig. 2.

Illustratively, the computer program 32 may be partitioned into one or more modules/units that are stored in the memory 31 and executed by the processor 30 to accomplish the present application. The one or more modules/units may be a series of computer program instruction segments capable of performing specific functions, which are used to describe the execution process of the computer program 32 in the terminal device 3. For example, the computer program 32 may be divided into a request sending module and a payment completion module, and each module has the following specific functions:

The terminal device 3 may be a desktop computer, a notebook, a palm computer, a cloud server, or other computing devices. The terminal device may include, but is not limited to, a processor 30, a memory 31. It will be understood by those skilled in the art that fig. 3 is only an example of the terminal device 3, and does not constitute a limitation to the terminal device 3, and may include more or less components than those shown, or combine some components, or different components, for example, the terminal device may also include an input-output device, a network access device, a bus, etc.

The Processor 30 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic, discrete hardware components, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

The memory 31 may be an internal storage unit of the terminal device 3, such as a hard disk or a memory of the terminal device 3. The memory 31 may also be an external storage device of the terminal device 3, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like, which are provided on the terminal device 3. Further, the memory 31 may also include both an internal storage unit and an external storage device of the terminal device 3. The memory 31 is used for storing the computer program and other programs and data required by the terminal device. The memory 31 may also be used to temporarily store data that has been output or is to be output.

It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working processes of the units and modules in the system may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.

Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.

In the embodiments provided in the present application, it should be understood that the disclosed apparatus/terminal device and method may be implemented in other ways. For example, the above-described embodiments of the apparatus/terminal device are merely illustrative, and for example, the division of the modules or units is only one logical division, and there may be other divisions when actually implemented, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.

The integrated modules/units, if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium. Based on such understanding, all or part of the flow in the method of the embodiments described above can be realized by a computer program, which can be stored in a computer-readable storage medium and can realize the steps of the embodiments of the methods described above when the computer program is executed by a processor. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.

The above-mentioned embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present application and are intended to be included within the scope of the present application.

Claims

1. A mobile terminal payment method is characterized by comprising the following steps:

when the mobile terminal receives a payment request sending instruction of a user, sending the payment request to each guardian;

when any guardian agrees to respond to the payment request, drawing a corresponding amount of money from the account of the guardian to complete payment and cancel the payment request sent to other guardians;

when any guardian refuses to respond to the payment request, the payment request sent to other guardians is cancelled;

when the mobile terminal receives a payment request sending instruction of the user, sending the payment request to each guardian specifically comprises the following steps:

when the mobile terminal receives the payment request sending instruction of the user, acquiring the intimacy degree corresponding to each guardian;

and sending the payment requests to all the guardians one by one according to the sequence from high affinity to low affinity until any one guardian agrees to respond to the payment request, refuses to respond to the payment request or sends the payment request to all the guardians, and a waiting interval with preset duration is arranged between the sending operations of two adjacent payment requests.

2. The mobile terminal payment method of claim 1, wherein the affinity corresponding to each guardian is a preset affinity.

3. The mobile terminal payment method of claim 1, wherein the affinity corresponding to each guardian is calculated from the number of contacts between the user and each guardian.

4. The mobile terminal payment method of claim 1, wherein the affinity corresponding to each guardian is calculated from the frequency of contact between the user and each guardian.

5. A mobile terminal payment device, comprising:

the request sending module is used for sending the payment request to each guardian when the mobile terminal receives a payment request sending instruction of a user;

a payment completion module, configured to, when any one of the guardians agrees to respond to the payment request, debit a corresponding amount from an account of the guardian to complete payment and cancel the payment request sent to the other guardians; when any guardian refuses to respond to the payment request, the payment request sent to other guardians is cancelled;

the request sending module specifically comprises:

the intimacy sub-module is used for acquiring intimacy corresponding to each guardian when the mobile terminal receives the payment request sending instruction of the user;

and the successive sending submodule is used for sending the payment requests to all the guardians one by one according to the sequence of the affinity from high to low until any one guardian agrees to respond to the payment request, refuses to respond to the payment request or sends the payment request to all the guardians, and a waiting interval with preset duration is set between every two sending operations of the payment requests.

6. The mobile terminal payment device of claim 5, wherein the affinity corresponding to each guardian is a preset affinity.

7. A terminal device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that the processor implements the steps of the method according to any of claims 1 to 4 when executing the computer program.

8. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 4.