CN109615350A - A kind of payment unions method and apparatus - Google Patents
A kind of payment unions method and apparatus Download PDFInfo
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- CN109615350A CN109615350A CN201811261908.2A CN201811261908A CN109615350A CN 109615350 A CN109615350 A CN 109615350A CN 201811261908 A CN201811261908 A CN 201811261908A CN 109615350 A CN109615350 A CN 109615350A
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- 238000000034 method Methods 0.000 title claims abstract description 42
- 238000001514 detection method Methods 0.000 claims abstract description 10
- 239000003999 initiator Substances 0.000 claims description 71
- 238000012797 qualification Methods 0.000 claims description 47
- 238000013475 authorization Methods 0.000 claims description 12
- 230000000977 initiatory effect Effects 0.000 claims description 5
- 238000004088 simulation Methods 0.000 claims description 4
- 230000005540 biological transmission Effects 0.000 claims description 2
- 238000004364 calculation method Methods 0.000 claims 1
- 238000005303 weighing Methods 0.000 claims 1
- 230000008569 process Effects 0.000 abstract description 4
- 238000004891 communication Methods 0.000 description 10
- 230000006870 function Effects 0.000 description 9
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 8
- 239000010931 gold Substances 0.000 description 8
- 229910052737 gold Inorganic materials 0.000 description 8
- 238000012790 confirmation Methods 0.000 description 4
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- 238000010586 diagram Methods 0.000 description 3
- 238000005498 polishing Methods 0.000 description 3
- 230000008859 change Effects 0.000 description 2
- 230000000694 effects Effects 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 238000012545 processing Methods 0.000 description 2
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/387—Payment using discounts or coupons
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- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
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- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
The application provides a kind of payment unions method and apparatus.Multiple members can be directly selected to pay trade company in a manner of payment unions, it need not be paid by a people elder generation full dose, it avoids causing financial burden to the user for undertaking fund, and it is directed to the detection process for using that each participant executes the primary deduction and exemption amount of money respectively using according to transaction scene and parameter transaction before the amount of money for reducing participant, make each user that can promote user experience in payment unions using the preferential deduction and exemption of itself.
Description
Technical field
This specification is related to Internet technical field more particularly to a kind of payment unions method and apparatus.
Background technique
In the modern life, more people carry out primary social total cost and generally require to be shared jointly by everybody, can also be referred to as
For payment unions, illustrated with averraged (Dutch treatment), current electronic wallet application (Alipay wallet, wechat payment etc.)
Generally all has the function of AA gathering, but existing AA gathering functions are still that full dose money is first paid to trade company from a user
, then AA gathering is initiated, after other responders are selected in group by initiator and other responders is waited to carry out verifying confirmation
Pay the fund after dividing equally to oneself.
Current way exist the disadvantage is that, need to be undertaken whole funds by a user elder generation full dose, then to other AA responders
AA gathering is initiated, and other AA responders may be because that a variety of causes causes to confirm that the time of payment is later, it may be to undertaking fund
User cause financial burden, and a user pays businessman, can only this user enjoy the red packet of oneself, reward
Gold, discount coupon, coupons etc. are various preferential.It can not the preferential amount of money and scene of other participants all meet use condition yet
It uses, user experience is poor.
Summary of the invention
In view of the above technical problems, this specification embodiment provides a kind of payment unions method and apparatus, and technical solution is such as
Under:
According to this specification embodiment in a first aspect, provide a kind of payment unions method, this method comprises:
The payment unions request that initiator initiates is received, beneficiary information is included at least in the payment unions request, rings
The side's of answering information and total amount information to be paid, wherein initiator and responder are the participant of payment unions, and responder by
Initiator's selection；
The deduction and exemption qualification that any participant has is detected, is joined according to the transaction scene of payment unions request and transaction
Whether the deduction and exemption qualification that number determines that the participant has can be used；
If the deduction and exemption qualification that the participant has is available, provided according to the original amount paid of the participant and deduction and exemption
Lattice determine the final amount paid of the participant, wherein the original payment amount of the responder is according to prespecified
Payment unions allocation strategy is calculated；
The final amount paid is reduced from the assets remaining sum of each participant respectively, and according to corresponding deduction and exemption qualification
The deduction and exemption amount of money of acquisition shifts jointly be aggregated into the initiator after, reduce total amount to be paid from the initiator and pay institute
State beneficiary.
According to the second aspect of this specification embodiment, a kind of payment unions device is provided, which includes:
Request receiving module: the payment unions for receiving initiator's initiation are requested, in the payment unions request at least
Including beneficiary information, responder's information and total amount information to be paid, wherein initiator and responder are payment unions
Participant, and responder is selected by initiator；
Reduce or remit detection module: the deduction and exemption qualification for having to any participant detects, and is requested according to payment unions
Transaction scene and the parameter transaction deduction and exemption qualification that determines that the participant has whether can be used；
Numerical Simulation Module: if the deduction and exemption qualification for the participant to have is available, according to the original of the participant
Determine amount paid and reduce or remit the final amount paid that qualification determines the participant, wherein the original payment gold of the responder
Volume is calculated according to prespecified payment unions allocation strategy；
Final payment module: for the final amount paid to be reduced from the assets remaining sum of each participant respectively, with
Shift jointly according to the deduction and exemption amount of money that corresponding deduction and exemption qualification obtains and be aggregated into the initiator, and from the initiator reduce to
Payment total amount pays the beneficiary.
According to the third aspect of this specification embodiment, a kind of computer equipment is provided, including memory, processor and deposit
Store up the computer program that can be run on a memory and on a processor, wherein the processor is realized when executing described program
A kind of payment unions method is applied to electronic payment platform, which comprises
The payment unions request that initiator initiates is received, beneficiary information is included at least in the payment unions request, rings
The side's of answering information and total amount information to be paid, wherein initiator and responder are the participant of payment unions, and responder by
Initiator's selection；
The deduction and exemption qualification that any participant has is detected, is joined according to the transaction scene of payment unions request and transaction
Whether the deduction and exemption qualification that number determines that the participant has can be used；
If the deduction and exemption qualification that the participant has is available, provided according to the original amount paid of the participant and deduction and exemption
Lattice determine the final amount paid of the participant, wherein the original payment amount of the responder is according to prespecified
Payment unions allocation strategy is calculated；
The final amount paid is reduced from the assets remaining sum of each participant respectively, and according to corresponding deduction and exemption qualification
The deduction and exemption amount of money of acquisition shifts jointly be aggregated into the initiator after, reduce total amount to be paid from the initiator and pay institute
State beneficiary.
Technical solution provided by this specification embodiment provides a kind of payment unions method, can directly select more
A member pays trade company in a manner of payment unions, it is not necessary to be paid, be avoided to undertaking fund by people elder generation full dose
User causes financial burden, and before the amount of money for reducing participant use according to transaction scene and parameter transaction be directed to respectively it is each
A participant executes the detection process for using of the primary deduction and exemption amount of money, make each user can in payment unions using itself
Preferential deduction and exemption promote user experience.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
This specification embodiment can be limited.
In addition, any embodiment in this specification embodiment does not need to reach above-mentioned whole effects.
Detailed description of the invention
In order to illustrate more clearly of this specification embodiment or technical solution in the prior art, below will to embodiment or
Attached drawing needed to be used in the description of the prior art is briefly described, it should be apparent that, the accompanying drawings in the following description is only
The some embodiments recorded in this specification embodiment for those of ordinary skill in the art can also be attached according to these
Figure obtains other attached drawings.
Fig. 1 is a kind of flow chart of the payment unions method shown in one exemplary embodiment of this specification；
Fig. 2-5 is that the initiator shown in one exemplary embodiment of this specification initiates a kind of signal that payment unions are requested
Figure；
A kind of schematic diagram of payment unions device shown in one exemplary embodiment of Fig. 6 this specification；
Fig. 7 is a kind of structural schematic diagram of computer equipment shown in one exemplary embodiment of this specification.
Specific embodiment
Example embodiments are described in detail here, and the example is illustrated in the accompanying drawings.Following description is related to
When attached drawing, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements.Following exemplary embodiment
Described in embodiment do not represent all embodiments consistent with this specification.On the contrary, they are only and such as institute
The example of the consistent device and method of some aspects be described in detail in attached claims, this specification.
It is only to be not intended to be limiting this explanation merely for for the purpose of describing particular embodiments in the term that this specification uses
Book.The "an" of used singular, " described " and "the" are also intended to packet in this specification and in the appended claims
Most forms are included, unless the context clearly indicates other meaning.It is also understood that term "and/or" used herein is
Refer to and includes that one or more associated any or all of project listed may combine.
It will be appreciated that though various information may be described using term first, second, third, etc. in this specification, but
These information should not necessarily be limited by these terms.These terms are only used to for same type of information being distinguished from each other out.For example, not taking off
In the case where this specification range, the first information can also be referred to as the second information, and similarly, the second information can also be claimed
For the first information.Depending on context, word as used in this " if " can be construed to " ... when " or
" when ... " or " in response to determination ".
In the modern life, more people carry out primary social total cost and generally require to be shared jointly by everybody, can also be referred to as
For payment unions, illustrated with averraged (Dutch treatment), current electronic wallet application (Alipay wallet, wechat payment etc.)
Generally all has the function of AA gathering, but existing AA gathering functions are still that full dose money is first paid to trade company from a user
, then AA gathering is initiated, after other responders are selected in group by initiator and other responders is waited to carry out verifying confirmation
Pay the fund after dividing equally to oneself.
Current way exist the disadvantage is that, need to be undertaken whole funds by a user elder generation full dose, then to other AA responders
AA gathering is initiated, and other AA responders may be because that a variety of causes causes to confirm that the time of payment is later, it may be to undertaking fund
User cause financial burden, just can only this user to enjoy oneself red packet, bonus, discount coupon, coupons etc. various
It is preferential.It is not available the preferential amount of money and scene of other participants all meet use condition, user experience is poor yet.
In view of the above problems, this specification embodiment provides a kind of payment unions method, and a kind of for executing the party
The payment unions device of method is below described in detail the payment unions method that the present embodiment is related to, shown in Figure 1, should
Method is applied to electronic payment platform, may comprise steps of:
S101 receives the payment unions request that initiator initiates, includes at least beneficiary in the payment unions request and believe
Breath, responder's information and total amount information to be paid；
Electronic payment platform, that is, Alipay wallet, wechat wallet etc. have the software of electronic payment function, and e-payment
Platform is generally configured with through searching handset number, is scanned the two-dimensional code, and the forms such as group, which are added, to be made to establish connection between different user
Function.In the present embodiment, initiator and responder are the electronic payment platform user for having connection from each other；
Wherein, the application scenarios that the payment unions that electronic payment platform receives that initiator initiates are requested are usual are as follows: Duo Gecan
With person by having a dinner party jointly, the social activity such as game have consumed money item, and the specific amount of money of this fund is to be paid total
The amount of money is different from the prior art by user's full dose and undertakes this total amount, and the present embodiment can be by participant's shared.
Initiator is initiated for carrying out Dutch treatment consumption (participant divides total amount to be paid) by Alipay wallet
Payment unions request detailed process be illustrated :-Fig. 5 referring to fig. 2, initiator by using Alipay wallet scan trade company
Gathering code, or open by initiator oneself payment code, be scanned by trade company into the payment page, in the payment page, hair
Rise side can from a variety of means of payment (such as bank card, credit card, remaining sum, Yuebao, change, flower etc. mode) in selection wound
The request for building AA payment inputs total amount to be paid, and selection participates in member (responder), finally initiates payment unions request；
S102 determines the deduction and exemption that any participant has according to the transaction scene of payment unions request and parameter transaction
Whether qualification can be used；
Specifically, each participant possesses the deduction and exemption amount of money that oneself is obtained according to corresponding deduction and exemption qualification, such as participant's account
Indoor coupon, deduction gold, discount card etc., these deduction and exemption qualifications are usually required in qualified transaction scene and transaction ginseng
Several lower uses.Such as: there is discount coupon A in the account of certain participant, coupon A must be used in businessman M, and must be at itself
Amount paid be higher than limit the amount of money under conditions of could use.Then discount coupon A can be considered the deduction and exemption qualification of participant, businessman
M can be considered the necessary transaction scene that need to meet using the deduction and exemption qualification, and the amount paid of itself is higher than to limit the amount of money and can be considered and make
The necessary parameter transaction that need to be met with the deduction and exemption qualification.According to the transaction scene and parameter transaction of this payment unions, confirmation is each
Whether the various deduction and exemption qualifications in a participant's account can be used.
S103 determines the final expenditure gold of the participant according to the original amount paid of the participant and deduction and exemption qualification
Volume；
Wherein, the original payment amount of the responder is calculated according to prespecified payment unions allocation strategy
's.Prespecified payment unions strategy, that is, each participant payment method of salary distribution, it is as noted above to share out equally (AA
System) it is a kind of common payment unions strategy, payment unions strategy can also have a lot of other forms, such as be held by initiator
Load 50%, other people share 50% etc..
The final amount paid of the participant is determined to the original amount paid and deduction and exemption qualification according to the participant
For example: when certain participant original amount paid be 100 yuan, and participant's account possess meet the payment unions request
Transaction scene and parameter transaction deduction gold 50 yuan, then the final amount paid of the participant be 100-50=50 member.
S104 reduces the final amount paid from the assets remaining sum of each participant respectively, subtracts with according to corresponding
The deduction and exemption amount of money for exempting from qualification acquisition shifts jointly is aggregated into the initiator；
In a preferred embodiment, can be estimated according to the corresponding deduction and exemption qualification of each participant different payment schemes for
Promoter's selection, and then determine a kind of most preferred payment scheme.For example, when promoter has discount coupon 100-50, wait prop up
Paying total amount is 100, and when other participants do not have discount coupon, can remind promoter that the progress of itself discount coupon is used alone
Payment.
It is described final being reduced from the assets remaining sum of each participant respectively in order to quickly and conveniently carry out payment unions
Before amount paid, can also authorization detection be carried out to any responder, if the responder carried out payment unions to initiator
Authorization, then without verifying when reducing the final amount paid from the assets remaining sum of the responder.
Specifically, if responder carried out payment unions authorization to initiator in advance, it can be considered that responder trusts hair
Side is played, without responder confirmation, shifts itself payable gold automatically from the assets remaining sum of the responder
Volume gives the initiator.
Further, effective payment unions authorized agreement in a kind of group, the group to subscribe to the agreement in group can also be designed
Group membership can be considered carried out payment unions authorization from each other.
S105 reduces total amount to be paid from the initiator and pays the beneficiary.
Specifically, which can be divided into two kinds of situations:
A) amount of money has been transferred to initiator by all responders；
B) amount of money is not transferred to initiator by part responder.
By taking the Dutch treatment as an example, under specific payment unions scene, the payment amount of answering of initiator and responder are total gold
Volume/participation number, optimal situation are that all responders carried out payment unions authorization and assets remaining sum is normal, initiator
Response to selection side and all responders do not need to operate again after initiating payment unions request, respectively automatic transfer should be paid
The amount of money is simultaneously aggregated at initiator, pays total amount to be paid to businessman after payment amount by answering for initiator's polishing itself.
But responder may be because a variety of causes, and (network speed problem, Sorry, your ticket has not enough value, does not carry out authorization and does not confirm payment slowly
Deng) amount of money is not transferred to initiator, therefore, the present embodiment design makes initiator's polishing total amount insufficient section and to businessman
Payment.
Specifically, the difference of total amount and amount received, in the first case described above, the difference can be shown to initiator
As the estimated of initiator answers payment amount, and under above-mentioned second situation, which, which is higher than the estimated of initiator, should pay gold
Volume.In the latter case, initiator may be selected to continue waiting for collect the amount payable of responder, or directly by oneself polishing
Difference pays total amount in advance, avoids the waiting of businessman He other participants.
Corresponding to above method embodiment, this specification embodiment also provides a kind of payment unions device, referring to Fig. 6 institute
Show, the apparatus may include: request receiving module 610 reduces or remits detection module 620, Numerical Simulation Module 630 and final payment
Module 640.
Request receiving module 610: the payment unions for receiving initiator's initiation are requested, in the payment unions request extremely
It less include beneficiary information, responder's information and total amount information to be paid, wherein initiator and responder are payment unions
Participant, and responder is selected by initiator；
Reduce or remit detection module 620: the deduction and exemption qualification for having to any participant detects, and is asked according to payment unions
Whether the deduction and exemption qualification that the transaction scene and parameter transaction asked determine that the participant has can be used；
Numerical Simulation Module 630: if the deduction and exemption qualification for the participant to have is available, according to the participant's
Original amount paid and deduction and exemption qualification determine the final amount paid of the participant, wherein the original payment of the responder
The amount of money is calculated according to prespecified payment unions allocation strategy；
Final payment module 640: for the final amount paid to be reduced from the assets remaining sum of each participant respectively,
It is shifted jointly with the deduction and exemption amount of money obtained according to corresponding deduction and exemption qualification and is aggregated into the initiator, and reduced from the initiator
Total amount to be paid pays the beneficiary.
This specification embodiment also provides a kind of computer equipment, includes at least memory, processor and is stored in
On reservoir and the computer program that can run on a processor, wherein processor realizes aforementioned combinations branch when executing described program
The method of paying, the method include at least:
The payment unions request that initiator initiates is received, beneficiary information is included at least in the payment unions request, rings
The side's of answering information and total amount information to be paid, wherein initiator and responder are the participant of payment unions, and responder by
Initiator's selection；
The deduction and exemption qualification that any participant has is detected, is joined according to the transaction scene of payment unions request and transaction
Whether the deduction and exemption qualification that number determines that the participant has can be used；
If the deduction and exemption qualification that the participant has is available, provided according to the original amount paid of the participant and deduction and exemption
Lattice determine the final amount paid of the participant, wherein the original payment amount of the responder is according to prespecified
Payment unions allocation strategy is calculated；
The final amount paid is reduced from the assets remaining sum of each participant respectively, and according to corresponding deduction and exemption qualification
The deduction and exemption amount of money of acquisition shifts jointly be aggregated into the initiator after, reduce total amount to be paid from the initiator and pay institute
State beneficiary.
Fig. 7 shows one kind provided by this specification embodiment and more specifically calculates device hardware structural schematic diagram,
The equipment may include: processor 1110, memory 1120, input/output interface 1130, communication interface 1140 and bus
1150.Wherein processor 1110, memory 1120, input/output interface 1130 and communication interface 1140 are real by bus 1150
The now communication connection inside equipment each other.
Processor 1110 can use general CPU (Central Processing Unit, central processing unit), micro- place
Reason device, application specific integrated circuit (Application Specific Integrated Circuit, ASIC) or one
Or the modes such as multiple integrated circuits are realized, for executing relative program, to realize technical side provided by this specification embodiment
Case.
Memory 1120 can use ROM (Read Only Memory, read-only memory), RAM (Random Access
Memory, random access memory), static storage device, the forms such as dynamic memory realize.Memory 1120 can store
Operating system and other applications are realizing technical solution provided by this specification embodiment by software or firmware
When, relevant program code is stored in memory 1120, and execution is called by processor 1110.
Input/output interface 1130 is for connecting input/output module, to realize information input and output.Input and output/
Module can be used as component Configuration (not shown) in a device, can also be external in equipment to provide corresponding function.Wherein
Input equipment may include keyboard, mouse, touch screen, microphone, various kinds of sensors etc., output equipment may include display,
Loudspeaker, vibrator, indicator light etc..
Communication interface 1140 is used for connection communication module (not shown), to realize the communication of this equipment and other equipment
Interaction.Wherein communication module can be realized by wired mode (such as USB, cable etc.) and be communicated, can also be wirelessly
(such as mobile network, WIFI, bluetooth etc.) realizes communication.
Bus 1150 include an access, equipment various components (such as processor 1110, memory 1120, input/it is defeated
Outgoing interface 1130 and communication interface 1140) between transmit information.
It should be noted that although above equipment illustrates only processor 1110, memory 1120, input/output interface
1130, communication interface 1140 and bus 1150, but in the specific implementation process, which can also include realizing normal fortune
Other assemblies necessary to row.In addition, it will be appreciated by those skilled in the art that, it can also be only comprising real in above equipment
Component necessary to existing this specification example scheme, without including all components shown in figure.
This specification embodiment also provides a kind of computer readable storage medium, is stored thereon with computer program, the journey
Realize that payment unions method above-mentioned, the method include at least when sequence is executed by processor:
The payment unions request that initiator initiates is received, beneficiary information is included at least in the payment unions request, rings
The side's of answering information and total amount information to be paid, wherein initiator and responder are the participant of payment unions, and responder by
Initiator's selection；
The deduction and exemption qualification that any participant has is detected, is joined according to the transaction scene of payment unions request and transaction
Whether the deduction and exemption qualification that number determines that the participant has can be used；
If the deduction and exemption qualification that the participant has is available, provided according to the original amount paid of the participant and deduction and exemption
Lattice determine the final amount paid of the participant, wherein the original payment amount of the responder is according to prespecified
Payment unions allocation strategy is calculated；
The final amount paid is reduced from the assets remaining sum of each participant respectively, and according to corresponding deduction and exemption qualification
The deduction and exemption amount of money of acquisition shifts jointly be aggregated into the initiator after, reduce total amount to be paid from the initiator and pay institute
State beneficiary.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
For device embodiment, since it corresponds essentially to embodiment of the method, so related place is referring to method reality
Apply the part explanation of example.The apparatus embodiments described above are merely exemplary, wherein described be used as separation unit
The unit of explanation may or may not be physically separated, and component shown as a unit can be or can also be with
It is not physical unit, it can it is in one place, or may be distributed over multiple network units.It can be according to actual
The purpose for needing to select some or all of the modules therein to realize this specification scheme.Those of ordinary skill in the art are not
In the case where making the creative labor, it can understand and implement.
As seen through the above description of the embodiments, those skilled in the art can be understood that this specification
Embodiment can be realized by means of software and necessary general hardware platform.Based on this understanding, this specification is implemented
Substantially the part that contributes to existing technology can be embodied in the form of software products the technical solution of example in other words,
The computer software product can store in storage medium, such as ROM/RAM, magnetic disk, CD, including some instructions are to make
It is each to obtain computer equipment (can be personal computer, server or the network equipment etc.) execution this specification embodiment
Method described in certain parts of a embodiment or embodiment.
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.A kind of typically to realize that equipment is computer, the concrete form of computer can
To be personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
In device, navigation equipment, E-mail receiver/send equipment, game console, tablet computer, wearable device or these equipment
The combination of any several equipment.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for device reality
For applying example, since it is substantially similar to the method embodiment, so describing fairly simple, related place is referring to embodiment of the method
Part explanation.The apparatus embodiments described above are merely exemplary, wherein described be used as separate part description
Module may or may not be physically separated, can be each module when implementing this specification example scheme
Function realize in the same or multiple software and or hardware.Can also select according to the actual needs part therein or
Person's whole module achieves the purpose of the solution of this embodiment.Those of ordinary skill in the art are not the case where making the creative labor
Under, it can it understands and implements.
The above is only the specific embodiment of this specification embodiment, it is noted that for the general of the art
For logical technical staff, under the premise of not departing from this specification embodiment principle, several improvements and modifications can also be made, this
A little improvements and modifications also should be regarded as the protection scope of this specification embodiment.
Claims (10)
1. a kind of payment unions method is applied to electronic payment platform, which comprises
The payment unions request that initiator initiates is received, includes at least beneficiary information, responder in the payment unions request
Information and total amount information to be paid, wherein initiator and responder are the participant of payment unions, and responder is by initiating
Side's selection；
The deduction and exemption qualification that any participant has is detected, it is true according to the transaction scene of payment unions request and parameter transaction
Whether the deduction and exemption qualification that the fixed participant has can be used；
It is true according to the original amount paid of the participant and deduction and exemption qualification if the deduction and exemption qualification that the participant has is available
The final amount paid of the fixed participant, wherein the original payment amount of the responder is according to prespecified joint
Payment allocation strategy is calculated；
The final amount paid is reduced from the assets remaining sum of each participant respectively, is obtained with according to corresponding deduction and exemption qualification
The deduction and exemption amount of money shift jointly and be aggregated into the initiator after, reduce total amount to be paid from the initiator and pay the receipts
Money side.
2. the method as described in claim 1, described to reduce the final expenditure from the assets remaining sum of each participant respectively
Before the amount of money, further includes:
Authorization detection is carried out to any responder, if the responder carried out payment unions authorization to initiator, from institute
It states when reducing the final amount paid in the assets remaining sum of responder without verifying.
3. the method as described in claim 1, it is described authorization detection is carried out to any responder after, further includes:
Authorization detection is carried out to any responder, if the responder did not carry out payment unions authorization to initiator, to institute
State responder and send payment unions request, reduced from the assets remaining sum of the responder after responder confirms payment it is described most
Whole amount paid.
4. the group that the method as described in claim 1, the initiator and the responder are the same group of payment platform forms
Member.
5. method as claimed in claim 4, described to reduce the final expenditure from the assets remaining sum of each participant respectively
Before the amount of money, further includes:
The corresponding payment unions authorized agreement of the initiator/responder's group is determined, if responder's signed institute
Payment unions authorized agreement is stated, then without testing when reducing the final amount paid from the assets remaining sum of the responder
Card, wherein the group member of signature payment unions authorized agreement, which can be considered, carried out mutually payment unions authorization.
6. method as claimed in claim 5, the determination initiator/corresponding payment unions of responder's group are awarded
After weighing agreement, further includes:
If the responder does not sign the payment unions authorized agreement, Xiang Suoshu responder sends payment unions request,
Responder reduces the final amount paid after confirming payment from the assets remaining sum of the responder.
7. method as claimed in claim 5, after the transmission payment unions request to the responder, further includes:
Agreement signature in group is sent to the responder to remind so that the responder choose whether to sign the group it is corresponding
Payment unions authorized agreement.
8. method as claimed in claim 5, single user's single joint branch is at least limited in the payment unions authorized agreement
The payment amount upper limit paid.
9. a kind of payment unions device, is applied to electronic payment platform, described device includes:
Request receiving module: it for receiving the payment unions request of initiator's initiation, is included at least in the payment unions request
Beneficiary information, responder's information and total amount information to be paid, wherein initiator and responder are the participation of payment unions
Person, and responder is selected by initiator；
Reduce or remit detection module: the deduction and exemption qualification for having to any participant detects, the friendship requested according to payment unions
Whether the deduction and exemption qualification that easy scene and parameter transaction determine that the participant has can be used；
Numerical Simulation Module: if the deduction and exemption qualification for the participant to have is available, according to the original branch of the participant
The amount of money and deduction and exemption qualification determine the final amount paid of the participant out, wherein the original payment amount of the responder is
It is calculated according to prespecified payment unions allocation strategy；
Final payment module: for reducing the final amount paid from the assets remaining sum of each participant respectively, with basis
The deduction and exemption amount of money that corresponding deduction and exemption qualification obtains shifts jointly and is aggregated into the initiator, and reduces from the initiator to be paid
Total amount pays the beneficiary.
10. a kind of computer equipment including memory, processor and stores the meter that can be run on a memory and on a processor
Calculation machine program, wherein the processor realizes the method as described in claim 1 when executing described program.
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| CN201811261908.2A CN109615350B (en) | 2018-10-26 | 2018-10-26 | Combined payment method and device |
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| CN201811261908.2A CN109615350B (en) | 2018-10-26 | 2018-10-26 | Combined payment method and device |
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