CN110097356B - Payment method, device, equipment and storage medium - Google Patents

Payment method, device, equipment and storage medium Download PDF

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Publication number
CN110097356B
CN110097356B CN201910375377.8A CN201910375377A CN110097356B CN 110097356 B CN110097356 B CN 110097356B CN 201910375377 A CN201910375377 A CN 201910375377A CN 110097356 B CN110097356 B CN 110097356B
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payment
information
commodity
target
coupon
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CN110097356A (en
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张朕
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Suzhou Dajiaying Information Technology Co Ltd
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Suzhou Dajiaying Information Technology Co Ltd
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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
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The embodiment of the invention discloses a payment method, a payment device, payment equipment and a storage medium. Wherein the method comprises the following steps: according to a payment request for at least one commodity sent by a client, at least one preferential mode matched with the payment request is obtained; generating target payment information according to at least one preferential mode by using a greedy algorithm, and sending the target payment information to a client; when the confirmation payment information for the target payment information sent by the client is detected, at least one service interface matched with the target payment information is called to finish payment of at least one commodity, and corresponding payment feedback information is generated and sent to the client. The embodiment of the invention can simplify the payment flow, realize that the payment user pays the related cost according to the target payment information by one key, reduce the decision cost and time cost of the payment user when using the related preferential, and can determine the payment mode with the lowest payment amount as the commodity payment mode by using a greedy algorithm, thereby effectively reducing the expenditure of the payment user.

Description

Payment method, device, equipment and storage medium
Technical Field
The embodiment of the invention relates to the technical field of Internet, in particular to a payment method, a payment device, a payment equipment and a storage medium.
Background
Various preferential ways are taken as one of the common methods of daily marketing, and are always favored by vast merchants. When the user pays for a commodity through the third party payment platform, a preferential manner can be selected to be used, and corresponding preferential is obtained.
In the prior art, after the user consumes, the user can pay by scanning codes through a terminal, such as a mobile phone. The terminal can collect payment identifiers provided by merchants through the camera, such as payment two-dimensional codes or payment bar codes, and the like, and analyze the payment identifiers to obtain merchant information contained in the payment identifiers. And then the terminal searches the sales promotion information of the merchant in the preset shopping platform. And if the sales promotion information of the merchant is searched, displaying a merchant payment interface corresponding to the sales promotion information to pay.
The defects of the prior art are that: when payment is carried out, the payment needs to be jumped to a merchant payment interface corresponding to the promotion information in the third-party shopping platform to carry out payment, the whole procedure is tedious, the flow is tedious, and the time cost and decision cost of operation are overlarge. And the promotion information in the shopping platform is provided for the user, so that the preferential manner provided for the user is single, the most preferential payment manner cannot be provided for the user automatically, the user cost cannot be reduced effectively, and the payment efficiency is improved.
Disclosure of Invention
The embodiment of the invention provides a payment method, a device, equipment and a storage medium, which can optimize the existing payment method, reduce decision cost and time cost when using relevant preferential, and effectively reduce user expenditure.
In a first aspect, an embodiment of the present invention provides a payment method, including:
according to a payment request for at least one commodity sent by a client, at least one preferential mode matched with the payment request is obtained;
generating target payment information according to at least one preferential mode by using a greedy algorithm, and sending the target payment information to a client;
when the confirmation payment information for the target payment information sent by the client is detected, at least one service interface matched with the target payment information is called to finish payment of at least one commodity, and corresponding payment feedback information is generated and sent to the client.
In a second aspect, an embodiment of the present invention further provides a payment method, including:
acquiring a payment request of a payment user for at least one commodity, and sending the payment request to a server; or displaying the identification code so that the merchant scans the displayed identification code;
receiving target payment information sent by a server, and providing the target payment information to a payment user, wherein the target payment information is generated according to at least one preferential mode by using a greedy algorithm;
When the confirmation payment response of the payment user to the target payment information is detected, corresponding confirmation payment information is generated and sent to the server;
and receiving payment feedback information returned by the server and providing the payment feedback information to a payment user.
In a third aspect, an embodiment of the present invention further provides a payment apparatus, including:
the preferential form obtaining module is used for obtaining at least one preferential form matched with the payment request according to the payment request for at least one commodity sent by the client;
the payment information generation module is used for generating target payment information according to at least one preferential mode by using a greedy algorithm and sending the target payment information to the client;
and the commodity payment module is used for calling at least one service interface matched with the target payment information to finish payment of at least one commodity when the confirmation payment information for the target payment information sent by the client is detected, and generating corresponding payment feedback information and sending the corresponding payment feedback information to the client.
In a fourth aspect, an embodiment of the present invention further provides a payment apparatus, including:
the payment request acquisition module is used for acquiring a payment request of a payment user for at least one commodity and sending the payment request to the server; or displaying the identification code so that the merchant scans the displayed identification code;
The payment information receiving module is used for receiving target payment information sent by the server and providing the target payment information for a payment user, and the target payment information is generated according to at least one preferential mode by using a greedy algorithm;
the confirmation information sending module is used for generating corresponding confirmation payment information to be sent to the server when the confirmation payment response of the payment user for the target payment information is detected;
and the feedback information providing module is used for receiving the payment feedback information returned by the server and providing the payment feedback information to the payment user.
In a fifth aspect, an embodiment of the present invention further provides an apparatus, including:
one or more processors;
a memory for storing one or more programs;
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the payment method as described in embodiments of the present invention.
In a sixth aspect, embodiments of the present invention also provide a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements a payment method according to embodiments of the present invention.
According to the embodiment of the invention, at least one preferential mode matched with the payment request is obtained according to the payment request for at least one commodity sent by the client, then a greedy algorithm is used, target payment information is generated according to the at least one preferential mode and sent to the client, when the confirmation payment information sent by the client and aiming at the target payment information is detected, at least one service interface matched with the target payment information is called to finish the payment of at least one commodity, and corresponding payment feedback information is generated and sent to the client, so that the problems that the whole procedure is complex, the flow is tedious, the operation time cost and decision cost are overlarge, and the user expense cannot be effectively reduced are solved, the payment flow can be simplified, the decision cost and the time cost of a payment user when using the relevant preferential mode are reduced, the lowest payment mode of the payment amount can be determined as the payment mode of the commodity by using the greedy algorithm, and the cost of the payment user is effectively reduced.
Drawings
FIG. 1a is a flow chart of a payment method according to a first embodiment of the present invention;
FIG. 1b is a diagram illustrating a target payment information according to a first embodiment of the present invention;
fig. 1c is a schematic diagram of payment feedback information according to a first embodiment of the present invention;
FIG. 1d is a diagram illustrating a target payment information according to a first embodiment of the present invention;
fig. 1e is a schematic diagram of payment feedback information according to a first embodiment of the present invention;
fig. 2 is a flowchart of a payment method according to a second embodiment of the present invention;
fig. 3 is a flowchart of a payment method according to a third embodiment of the present invention;
fig. 4 is a schematic structural diagram of a payment device according to a fourth embodiment of the present invention;
fig. 5 is a schematic structural diagram of a payment device according to a fifth embodiment of the present invention;
fig. 6 is a schematic structural diagram of an apparatus according to a sixth embodiment of the present invention.
Detailed Description
The invention is described in further detail below with reference to the drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting thereof. It should be further noted that, for convenience of description, only some, but not all of the structures related to the present invention are shown in the drawings.
Example 1
Fig. 1a is a flowchart of a payment method according to an embodiment of the present invention. The embodiment is applicable to the case of paying for goods, the method can be executed by a payment device, the device can be implemented in a software and/or hardware mode, and the device can be configured in a computer device. Such as a server. As shown in fig. 1a, the method specifically includes the following steps:
step 101, according to a payment request for at least one commodity sent by a client, at least one preferential mode matched with the payment request is obtained.
The client is a client of the payment platform. The payment user can pay the at least one commodity by scanning the code through a client installed on the terminal equipment. The payment platform is a third party payment platform and comprises a payment treasures, weChat and the like. The commodity may be an actual article or may be an intangible service such as a cosmetic item or the like.
In one specific example, a payment user scans an identification code of a merchant through a client. The client of the payment user analyzes the identification code of the merchant to obtain merchant information contained in the identification code of the merchant, further obtains commodity information, the commodity information can be input by the user, and then the obtained commodity information, the merchant information and the user information of the payment user are used as a payment request of the payment user for at least one commodity to a server of a payment platform.
In another embodiment, the payment user presents the identification code through the client to allow the merchant to scan the presented identification code. The merchant scans the identification code of the payment user through the client. The client of the merchant analyzes the identification code of the payment user to obtain user information contained in the identification code of the payment user, and sends the obtained user information, commodity information and merchant information to a server of the payment platform as a payment request of the payment user for at least one commodity.
In another embodiment, the payment user scans the merchant's identification code through the client. The client of the payment user enters a merchant applet by analyzing the identification code of the merchant, obtains commodity information and merchant information in the merchant applet, and then sends the obtained commodity information and merchant information and user information of the payment user as a payment request of the payment user for at least one commodity to a server of a payment platform.
The user information is associated information of the payment user, and can comprise information such as an account number, a name, a mobile phone number, a preferential platform matched with the payment user and the like of the payment user. The commodity information is related information of the commodity, and may include a commodity price and a commodity name, or include only a commodity price, the commodity price is typically a commodity total price, and the commodity name may include a commodity name and a commodity class, or include only a commodity class. The merchant information is associated information of a merchant selling the commodity, typically a merchant name.
The preferential platform is a third party platform which is different from the merchant platform and the payment platform and is used for providing preferential purchasing service of goods. For example, mei Tuan, popular commentary, hungry, take journey, fly pig, taobao, beijing east, etc. The payment user may select at least one of the offer platforms set to match himself. Of course, the preferential platform is generally compatible with the payment mode of the payment platform, for example, the payment in the beauty group, popular commentary, hungry, carry, pig, panned, jindong and the like can support WeChat payment and/or Payment.
The offers in the offer platform include platform offers and coupon offers. The platform preference mode may be a full-subtraction mode. For example, a full 500 Yuan-ren-coin minus 80 Yuan-ren-coin. The platform preferential mode can also be a preferential buying list mode. The preferential buying list mode is buying list according to preset discount rate. For example, the preset discount rate is eight-fold. The commodity price is 120 Yuan people's currency. The amount paid by the paying user through the preferential buying bill mode is 96 RMB. Coupon offers are offers for completing payment of goods using coupons. For example, 80 Yuan Renzhen withstands 100 Yuan Renzhen vouchers.
Optionally, obtaining at least one preferential manner matched with the payment request may include: user information and merchant information matched with the payment request are obtained, at least one preferential platform matched with the payment user is determined according to the user information, and at least one platform preferential mode and/or a coupon preferential mode matched with the payment request are obtained in the at least one preferential platform.
And 102, generating target payment information according to at least one preferential mode by using a greedy algorithm, and sending the target payment information to the client.
Optionally, generating the target payment information to send to the client according to at least one preferential manner by using a greedy algorithm may include: acquiring commodity information matched with the payment request, wherein the commodity information comprises commodity price and commodity name or only comprises commodity price; determining a target payment mode according to commodity information and at least one preferential mode by using a greedy algorithm; and generating target payment information according to the target payment mode and sending the target payment information to the client.
Greedy algorithm (also known as greedy algorithm) means that when solving a problem, the choice that is currently seen to be best is always made. That is, not considered in terms of overall optimality, greedy algorithms make locally optimal solutions in a sense. The greedy algorithm can not obtain the overall optimal solution for all problems, and the key is the selection of greedy strategies, wherein the selected greedy strategies have no aftereffect, namely the previous process of a certain state cannot influence the later state and only relate to the current state. The server acquires a plurality of payment modes corresponding to the commodity according to the commodity information and at least one preferential mode by using a greedy algorithm, compares the payment amounts corresponding to the payment modes, and determines the payment mode with the lowest payment amount as a target payment mode so as to reduce the expenditure of a payment user.
In one embodiment, the target payment method is a full reduction method. The target payment information is an amount that the payment user determined in a full reduction manner needs to pay on the offer platform. For example, the paying user purchases an A commodity, the commodity price of which is 1100 Yuan Renzhen. For example, the full reduction mode is full 500 Yuanrenzu coin minus 80 Yuanrenzu coin. The amount of money which the payment user needs to pay on the preferential platform is 940 RMB.
In another embodiment, the targeted payment method is a preferential ticket method. The target payment information is an amount that the payment user determined in terms of the offer order needs to pay on the offer platform. For example, the paying user purchases an A commodity, the commodity price of which is 1100 Yuan Renzhen. For example, the preferential purchase order is in terms of an eight-fold purchase order. The amount of money which the payment user needs to pay on the preferential platform is 880 RMB according to the preferential buying list mode.
In another embodiment, the targeted payment means is a coupon offer means. The target payment information includes preferential payment information and commodity payment information. The coupon payment information is the total amount of the coupon that needs to be paid to the coupon platform. The commodity payment information is the residual amount of the commodity after deducting the coupon, namely the amount of the payment user needs to pay to the merchant. For example, the paying user purchases an A commodity, the commodity price of which is 1100 Yuan Renzhen. The coupon advantage is to pay for 400 RMB and 500 RMB. The target payment method is to purchase 2 coupons at the coupon platform. The coupon payment information is the total amount of the coupon that needs to be paid to the coupon platform, i.e., 800 Yuan Renminbi. The commodity payment information is the remaining amount of the commodity after deducting the coupon, namely 100 yuan of the people's currency.
And 103, when the confirmation payment information for the target payment information sent by the client is detected, invoking at least one service interface matched with the target payment information to finish payment of at least one commodity, and generating corresponding payment feedback information to send to the client.
The server detects the confirmed payment information sent by the client for the target payment information, and indicates that the payment user determines to finish payment of at least one commodity according to the target payment information.
In one embodiment, the target payment method is a full reduction method. The target payment information is an amount that the payment user determined in a full reduction manner needs to pay on the offer platform. Invoking at least one service interface matched with the target payment information to complete payment of at least one commodity, generating corresponding payment feedback information and sending the payment feedback information to the client, wherein the method can comprise the following steps of: and calling a preferential platform payment interface matched with the target payment information to finish payment of at least one commodity, and generating first payment information to be sent to the client. The first payment information is payment feedback information for completing commodity payment on the preferential platform.
In another embodiment, the targeted payment method is a preferential ticket method. The target payment information is an amount that the payment user determined in terms of the offer order needs to pay on the offer platform. Invoking at least one service interface matched with the target payment information to complete payment of at least one commodity, generating corresponding payment feedback information and sending the payment feedback information to the client, wherein the method can comprise the following steps of: and calling a preferential platform payment interface matched with the target payment information to finish payment of at least one commodity, and generating first payment information to be sent to the client. The first payment information is payment feedback information for completing commodity payment on the preferential platform.
In another embodiment, the targeted payment means is a coupon offer means. The target payment information includes preferential payment information and commodity payment information. The coupon payment information is the total amount of the coupon that needs to be paid to the coupon platform. The commodity payment information is the residual amount of the commodity after deducting the coupon, namely the amount of the payment user needs to pay to the merchant. Invoking at least one service interface matched with the target payment information to complete payment of at least one commodity, generating corresponding payment feedback information and sending the payment feedback information to the client, wherein the method can comprise the following steps of: invoking a preferential platform payment interface matched with the target payment information to finish payment of at least one coupon, and generating second payment information; acquiring identification information of at least one coupon; according to the identification information, calling a merchant payment interface matched with the target payment information to finish payment of at least one commodity, and generating third payment information; and sending the second payment information and the third payment information to the client.
Wherein the second payment information is payment feedback information for purchasing the coupon at the offer platform.
Acquiring identification information of at least one coupon refers to acquiring identification information of a coupon purchased at a coupon platform. The coupon has unique corresponding identification information. The coupon may be used to make payment for goods based on the identification information of the coupon.
And using the coupon according to the identification information to obtain the residual amount of the commodity after the coupon is deducted by the commodity price, calling a merchant payment interface matched with the target payment information to pay the residual amount of the commodity after the coupon is deducted by the commodity price to the merchant, completing the payment of at least one commodity, and generating third payment information. The third payment information is payment feedback information of the remaining amount after deducting the coupon from the merchant payment commodity price.
And sending the second payment information and the third payment information to the client so that the payment user can determine that the payment of at least one commodity is completed after confirming the payment by one key, and acquiring two payment details corresponding to the at least one commodity.
Fig. 1b is a schematic diagram of a target payment information according to an embodiment of the invention. The paying user purchases commodity A, and the commodity price of commodity A is 1100 Yuan ren civil coin. The target payment mode is a preferential buying list mode. The preferential buying list mode is according to eight-fold buying list. The target payment information determined according to the preferential buying bill mode is '880 RMB is paid on the preferential platform according to the preferential buying bill mode'. As shown in fig. 1b, the client receives the target payment information sent by the server, and displays the target payment information on the display interface. A confirmation control 'confirm payment' is arranged in a display interface of the client. The payment user may determine to make a payment based on the target payment information by clicking a confirmation control. When the client detects that the payment user clicks the confirmation control, corresponding confirmation payment information is generated and sent to the server. When the server detects the confirmed payment information aiming at the target payment information sent by the client, calling a preferential platform payment interface matched with the target payment information to finish payment of at least one commodity, generating first payment information which is used for paying 880 RMB on a preferential platform according to a preferential buying list mode, and sending the first payment information to the client. As shown in fig. 1c, the client receives the first payment information sent by the server, and displays the first payment information on the display interface.
Fig. 1d is a schematic diagram of a target payment information according to an embodiment of the invention. The paying user purchases commodity A, and the commodity price of commodity A is 1100 Yuan ren civil coin. The target payment means is a coupon offer means. The target payment information includes preferential payment information and commodity payment information. The coupon advantage is to pay for 400 RMB and 500 RMB. The target payment method is to purchase 2 coupons at the coupon platform. The coupon payment information is "pay 800 Yuanrenzu currency purchase coupon to coupon platform". The commodity payment information is "100 yuan people and people currency are paid to the merchant after deducting the coupon". As shown in fig. 1d, the client receives the target payment information sent by the server, and displays the target payment information on the display interface. A confirmation control 'confirm payment' is arranged in a display interface of the client. The payment user may determine to make a payment based on the target payment information by clicking a confirmation control. When the client detects that the payment user clicks the confirmation control, corresponding confirmation payment information is generated and sent to the server. When the server detects the confirmed payment information sent by the client for the target payment information, calling a preferential platform payment interface matched with the target payment information to finish payment of at least one coupon, and generating second payment information of '800 Yuan people and civil currency purchasing coupon paid to the preferential platform'; acquiring identification information of at least one coupon; according to the identification information, a merchant payment interface matched with the target payment information is called to finish payment of at least one commodity, and third payment information ' 100 RMB of the residual amount after deducting the coupon is paid to the merchant ' is generated to finish payment of the commodity A '; and sending the second payment information and the third payment information to the client. As shown in fig. 1e, the client receives the second payment information and the third payment information sent by the server, and displays the second payment information and the third payment information on the display interface.
The embodiment of the invention provides a payment method, which comprises the steps of obtaining at least one preferential mode matched with a payment request according to the payment request for at least one commodity sent by a client, then using a greedy algorithm, generating target payment information according to the at least one preferential mode, sending the target payment information to the client, calling at least one service interface matched with the target payment information to finish payment of the at least one commodity when the confirmed payment information sent by the client for the target payment information is detected, generating corresponding payment feedback information and sending the corresponding payment feedback information to the client.
Example two
Fig. 2 is a flowchart of a payment method according to a second embodiment of the present invention. This embodiment may be combined with each of the alternatives in one or more embodiments described above, and in this embodiment, generating, using a greedy algorithm, target payment information according to at least one preferential manner, and sending the target payment information to the client may include: acquiring commodity information matched with the payment request, wherein the commodity information comprises commodity price and commodity name or only comprises commodity price; determining a target payment mode according to commodity information and at least one preferential mode by using a greedy algorithm; and generating target payment information according to the target payment mode and sending the target payment information to the client.
As shown in fig. 2, the method specifically includes the following steps:
step 201, according to a payment request for at least one commodity sent by a client, at least one preferential mode matched with the payment request is obtained.
The server obtains user information and merchant information matched with the payment request, determines at least one preferential platform matched with the payment user according to the user information, and obtains at least one platform preferential mode and/or a coupon preferential mode matched with the payment request in the at least one preferential platform according to the merchant information, namely obtains at least one preferential mode matched with at least one commodity.
Optionally, before acquiring the user information and the merchant information matched with the payment request, determining at least one preferential platform matched with the payment user according to the user information, the method may further include: and receiving platform selection information fed back by the client, and determining at least one preferential platform matched with the platform selection information as at least one preferential platform matched with the payment user. The payment user can select at least one preferential platform and set to be a preferential platform matched with the payment user, namely, the association or binding of the client side and the preferential platform is realized.
Step 202, acquiring commodity information matched with the payment request, wherein the commodity information comprises commodity price and commodity name or only comprises commodity price.
Wherein the commodity information includes commodity price and commodity name, or only commodity price, description of commodity price and commodity name, see the foregoing embodiments. For example, the paying user purchases an A commodity, the commodity price of which is 1100 Yuan Renzhen. The commodity information includes commodity price "1100 Yuanrenzu coin" and commodity name "A" or "A (XX class)". Or the commodity information includes only commodity price "1100 Yuan Renzhen".
And 203, determining a target payment mode according to the commodity information and at least one preferential mode by using a greedy algorithm.
The server acquires a plurality of payment modes corresponding to the commodity according to the commodity information and at least one preferential mode by using a greedy algorithm, compares payment amounts corresponding to the payment modes, and determines the payment mode with the lowest payment amount as a target payment mode so as to reduce the expenditure of a payment user.
In one specific example, the paying user purchases an A commodity with a commodity price of 1100 Yuan Renzhen. Three preferential ways matched with at least one commodity are obtained. First kind: full 500 Yuanrenzhen coin minus 80 Yuanzhen coin. Second kind: according to the eight-fold purchase order. Third kind: the 500 Yuan-ren-nationality coin is paid out by the 400 Yuan-ren-nationality coin. And obtaining three payment modes corresponding to the commodity according to the commodity price and the three preferential modes by using a greedy algorithm, and calculating the payment amount corresponding to each payment mode.
First kind: 1100- [1100 ≡500-] Rounding down X 80 = 940 yuan people coin. The amount of money which the payment user needs to pay on the preferential platform is 940 RMB.
Second kind: 1100×80% =880 yuan rennet coin. The amount of money which the payment user needs to pay on the preferential platform is 880 RMB according to the preferential buying list mode.
Third kind: (400 x 2) +100=900 yuan rennet. 2 coupons were purchased at the coupon platform. The total amount of the coupon required to be paid to the coupon platform is 800 Yuanrenzu currency commodity price, and the remaining amount after deducting the coupon is 100 Yuanrenzu currency.
Thus, the second payment mode is obviously more favorable than the first payment mode by 60 RMB and is more favorable than the third payment mode by 20 RMB. And determining the second preferential manner as a target payment manner.
And 204, generating target payment information according to the target payment mode and sending the target payment information to the client.
Step 205, when the confirmation payment information for the target payment information sent by the client is detected, invoking at least one service interface matched with the target payment information to complete payment of at least one commodity, and generating corresponding payment feedback information to send to the client.
The embodiment of the invention provides a payment method, which comprises the steps of obtaining commodity information matched with a payment request, wherein the commodity information comprises commodity price and commodity name or only comprises commodity price, determining a target payment mode according to the commodity information and at least one preferential mode by using a greedy algorithm, generating target payment information according to the target payment mode, and sending the target payment information to a client, wherein the payment mode with the lowest payment amount can be determined as the commodity payment mode by using the greedy algorithm, so that the expenditure of a payment user is effectively reduced.
Example III
Fig. 3 is a flowchart of a payment method according to a third embodiment of the present invention. The embodiment is applicable to the case of paying for goods, the method can be executed by a payment device, the device can be implemented in a software and/or hardware mode, and the device can be configured in a computer device. Such as a terminal device. As shown in fig. 3, the method specifically includes the following steps:
step 301, obtaining a payment request of a payment user for at least one commodity, and sending the payment request to a server; or the identification code is presented such that the merchant scans the presented identification code.
The client is a client of the payment platform. The payment user can pay the at least one commodity by a client installed on the terminal equipment by scanning the code. The payment platform comprises a payment treasures, weChat and the like. The commodity may be an actual article or may be an intangible service such as a cosmetic item or the like.
Optionally, before acquiring the payment request of the payment user for the at least one commodity, the method further includes: the identification code of the merchant is scanned.
In one specific example, a payment user scans an identification code of a merchant through a client. For example, the identification code may be a two-dimensional code. The client of the payment user analyzes the identification code of the merchant to obtain merchant information contained in the identification code of the merchant, further obtains commodity information, the commodity information can be input by the user, and then the obtained commodity information, the merchant information and the user information of the payment user are used as a payment request of the payment user for at least one commodity to a server of a payment platform.
In another embodiment, the payment user presents the identification code through the client to allow the merchant to scan the presented identification code. The merchant scans the identification code of the payment user through the client. The client of the merchant analyzes the identification code of the payment user to obtain user information contained in the identification code of the payment user, and sends the obtained user information, commodity information and merchant information to a server of the payment platform as a payment request of the payment user for at least one commodity.
In another embodiment, the payment user scans the merchant's identification code through the client. The client of the payment user enters a merchant applet by analyzing the identification code of the merchant, obtains commodity information and merchant information in the merchant applet, and then sends the obtained commodity information and merchant information and user information of the payment user as a payment request of the payment user for at least one commodity to a server of a payment platform.
The user information is associated information of the payment user, and can comprise information such as an account number, a name, a mobile phone number, a preferential platform matched with the payment user and the like of the payment user. The commodity information is related information of the commodity, and may include the commodity price and the commodity name, or include only the commodity price, the description of the commodity price and the commodity name, see the foregoing embodiments. The merchant information is associated information of a merchant who sells the goods.
The preferential platform is a third party platform which is different from the merchant platform and the payment platform and is used for providing preferential purchasing service of goods. For example, mei Tuan, popular commentary, hungry, take journey, fly pig, taobao, beijing east, etc.
The payment user can select at least one preferential platform and set to be a preferential platform matched with the payment user, namely, the association or binding of the client side and the preferential platform is realized.
Optionally, the method further comprises: platform selection information of the payment user is obtained, and the platform selection information is sent to the server. The payment user may select at least one of the offer platforms set to match himself. The platform selection information includes information related to paying for at least one preferential platform selected by the user.
Of course, the offer platform is typically payment-style compatible with the payment platform, e.g., payment in the beauty community, popular commentary, hungry, carry, pig, panned, jindong, etc., may support WeChat payment and/or Payment of the payment instrument.
In one embodiment, the payment user accesses the platform selection page through the client, and selects at least one of the offer platforms provided by the platform selection page. And the client side sends the relevant information of at least one preferential platform selected by the payment user to the server as platform selection information of the payment user.
Step 302, receiving target payment information sent by a server, and providing the target payment information to a payment user, wherein the target payment information is generated according to at least one preferential mode by using a greedy algorithm.
The server acquires a plurality of payment modes corresponding to the commodity according to the commodity information and at least one preferential mode by using a greedy algorithm, compares payment amounts corresponding to the payment modes, and determines the payment mode with the lowest payment amount as a target payment mode so as to reduce the expenditure of a payment user.
In one embodiment, the target payment method is a full reduction method. The target payment information is an amount that the payment user determined in a full reduction manner needs to pay to the paymate.
In another embodiment, the targeted payment method is a preferential ticket method. The target payment information is the amount that the payment user determined in terms of the offer order needs to pay to the offer platform.
In another embodiment, the targeted payment means is a coupon offer means. The target payment information includes preferential payment information and commodity payment information. The coupon payment information is the total amount of the coupon that needs to be paid to the coupon platform. The commodity payment information is the residual amount of the commodity after deducting the coupon, namely the amount of the payment user needs to pay to the merchant.
Optionally, the client receives the target payment information sent by the server, and displays the target payment information on the display interface.
And 303, when the confirmation payment response of the payment user to the target payment information is detected, generating corresponding confirmation payment information and sending the corresponding confirmation payment information to the server.
In a specific example, a confirmation control is set in a display interface of the client, and the payment user can determine to pay according to the target payment information by clicking the confirmation control. When the client detects that the payment user clicks the confirmation control, corresponding confirmation payment information is generated and sent to the server, so that the server confirms that the payment user confirms that payment of at least one commodity is completed according to the target payment information.
And 304, receiving payment feedback information returned by the server and providing the payment feedback information to a payment user.
In a specific example, the client receives the payment feedback information returned by the server, and displays the payment feedback information on the display interface, so that after the payment user confirms the payment by one key, the payment user can determine that the payment of at least one commodity is completed, and acquire and obtain the payment details corresponding to the at least one commodity.
The embodiment of the invention provides a payment method, which is characterized in that after a payment request of a payment user for at least one commodity is sent to a server, target payment information sent by the server is provided for the payment user, the target payment information is generated according to at least one preferential mode by using a greedy algorithm, corresponding confirmation payment information is generated and sent to the server when a confirmation payment response of the payment user for the target payment information is detected, and then payment feedback information returned by the server is received and provided for the payment user.
Example IV
Fig. 4 is a schematic structural diagram of a payment device according to a fourth embodiment of the present invention. As shown in fig. 4, the apparatus may be configured in a computer device, including: a coupon acquisition module 401, a payment information generation module 402, and a commodity payment module 403.
The preferential form obtaining module 401 is configured to obtain, according to a payment request for at least one commodity sent by a client, at least one preferential form matched with the payment request; the payment information generation module 402 is configured to generate target payment information according to at least one preferential manner by using a greedy algorithm, and send the target payment information to the client; and the commodity payment module 403 is configured to, when detecting the confirmation payment information for the target payment information sent by the client, invoke at least one service interface matched with the target payment information to complete payment of at least one commodity, and generate corresponding payment feedback information to send to the client.
The embodiment of the invention provides a payment device, which obtains at least one preferential mode matched with a payment request according to the payment request of at least one commodity sent by a client, then uses a greedy algorithm, generates target payment information according to the at least one preferential mode, sends the target payment information to the client, calls at least one service interface matched with the target payment information to finish the payment of the at least one commodity when the confirmed payment information of the target payment information sent by the client is detected, and generates corresponding payment feedback information to send the payment information to the client.
Based on the above embodiments, the coupon acquisition module 401 may include: the system comprises a mode acquisition unit, a verification unit and a verification unit, wherein the mode acquisition unit is used for acquiring user information and merchant information matched with a payment request, determining at least one preferential platform matched with the payment user according to the user information, and acquiring at least one platform preferential mode and/or a coupon preferential mode matched with the payment request in the at least one preferential platform.
On the basis of the above embodiments, the method may further include: and the platform determining module is used for receiving the platform selection information fed back by the client and determining at least one preferential platform matched with the platform selection information as at least one preferential platform matched with the payment user.
Based on the above embodiments, the payment information generation module 402 may include: an information acquisition unit configured to acquire commodity information matching the payment request, the commodity information including a commodity price and a commodity name, or including only the commodity price; the mode determining unit is used for determining a target payment mode according to commodity information and at least one preferential mode by using a greedy algorithm; and the information generating unit is used for generating target payment information according to the target payment mode and sending the target payment information to the client.
Based on the above embodiments, the target payment mode is a platform preference mode; the commodity payment module 403 may include: the first payment unit is used for calling a preferential platform payment interface matched with the target payment information to finish payment of at least one commodity, and generating first payment information and sending the first payment information to the client.
Based on the above embodiments, the target payment mode is a coupon preference mode; the commodity payment module 403 may include: the second payment unit is used for calling a preferential platform payment interface matched with the target payment information to finish payment of at least one coupon, and generating second payment information; an identification information acquisition unit configured to acquire identification information of at least one coupon; the third payment unit is used for calling a merchant payment interface matched with the target payment information to finish payment of at least one commodity according to the identification information and generating third payment information; and the payment information sending unit is used for sending the second payment information and the third payment information to the client.
The payment device provided by the embodiment of the invention can execute the payment method provided by the embodiment of the invention, and has the corresponding functional modules and beneficial effects of the execution method.
Example five
Fig. 5 is a schematic structural diagram of a payment device according to a fifth embodiment of the present invention. As shown in fig. 5, the apparatus may be configured in a computer device, including: a payment request acquisition module 501, a payment information receiving module 502, a confirmation information transmitting module 503, and a feedback information providing module 504.
The payment request acquiring module 501 is configured to acquire a payment request of a payment user for at least one commodity, and send the payment request to a server; or displaying the identification code so that the merchant scans the displayed identification code; the payment information receiving module 502 is configured to receive target payment information sent by the server, and provide the target payment information to the payment user, where the target payment information is generated according to at least one preferential manner using a greedy algorithm; a confirmation information sending module 503, configured to generate corresponding confirmation payment information and send the corresponding confirmation payment information to the server when a confirmation payment response of the payment user for the target payment information is detected; and the feedback information providing module 504 is configured to receive payment feedback information returned by the server and provide the payment feedback information to the payment user.
The embodiment of the invention provides a payment device, which is characterized in that after a payment request of a payment user for at least one commodity is sent to a server, target payment information sent by the server is provided for the payment user, the target payment information is generated according to at least one preferential mode by using a greedy algorithm, corresponding confirmation payment information is generated and sent to the server when a confirmation payment response of the payment user for the target payment information is detected, and then payment feedback information returned by the server is received and provided for the payment user.
On the basis of the above embodiments, the method may further include: the platform information acquisition module is used for acquiring platform selection information of the payment user and sending the platform selection information to the server.
On the basis of the above embodiments, the method may further include: and the identification code scanning module is used for scanning the identification code of the merchant.
The payment device provided by the embodiment of the invention can execute the payment method provided by the embodiment of the invention, and has the corresponding functional modules and beneficial effects of the execution method.
Example six
Fig. 6 is a schematic structural diagram of an apparatus according to a sixth embodiment of the present invention. Fig. 6 shows a block diagram of an exemplary device 612 suitable for use in implementing embodiments of the invention. The device 612 shown in fig. 6 is merely an example, and should not be construed as limiting the functionality and scope of use of embodiments of the present invention.
As shown in fig. 6, device 612 is embodied in the form of a general purpose computer device. Components of device 612 may include, but are not limited to: one or more processors or processing units 616, a system memory 628, and a bus 618 that connects the various system components (including the system memory 628 and processing units 616).
Bus 618 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor, or a local bus using any of a variety of bus architectures. By way of example, and not limitation, such architectures include Industry Standard Architecture (ISA) bus, micro channel architecture (MAC) bus, enhanced ISA bus, video Electronics Standards Association (VESA) local bus, and Peripheral Component Interconnect (PCI) bus.
Device 612 typically includes a variety of computer system readable media. Such media can be any available media that is accessible by device 612 and includes both volatile and nonvolatile media, removable and non-removable media.
The system memory 628 may include computer-system-readable media in the form of volatile memory, such as Random Access Memory (RAM) 630 and/or cache memory 632. Device 612 may further include other removable/non-removable, volatile/nonvolatile computer system storage media. By way of example only, storage system 634 can be used to read from or write to non-removable, nonvolatile magnetic media (not shown in FIG. 6, commonly referred to as a "hard drive"). Although not shown in fig. 6, a magnetic disk drive for reading from and writing to a removable non-volatile magnetic disk (e.g., a "floppy disk"), and an optical disk drive for reading from or writing to a removable non-volatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In such cases, each drive may be coupled to bus 618 through one or more data medium interfaces. Memory 628 may include at least one program product having a set (e.g., at least one) of program modules configured to carry out the functions of embodiments of the invention.
A program/utility 640 having a set (at least one) of program modules 642 may be stored in, for example, the memory 628, such program modules 642 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each or some combination of which may include an implementation of a network environment. Program modules 642 generally perform the functions and/or methods of the described embodiments of the present invention.
The device 612 may also communicate with one or more external devices 614 (e.g., keyboard, pointing device, display 624, etc.), one or more devices that enable a user to interact with the device 612, and/or any device (e.g., network card, modem, etc.) that enables the device 612 to communicate with one or more other computing devices. Such communication may occur through an input/output (I/O) interface 622. Also, device 612 may communicate with one or more networks such as a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network, such as the Internet, through network adapter 620. As shown, network adapter 620 communicates with other modules of device 612 over bus 618. It should be appreciated that although not shown in fig. 6, other hardware and/or software modules may be used in connection with device 612, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, data backup storage systems, and the like.
Device 612 may be a terminal device. The processing unit 616 of the device 612 executes various functional applications and data processing, such as implementing the payment method provided by embodiments of the present invention, by running programs stored in the system memory 628. The method specifically comprises the following steps: according to a payment request for at least one commodity sent by a client, at least one preferential mode matched with the payment request is obtained; generating target payment information according to at least one preferential mode by using a greedy algorithm, and sending the target payment information to a client; when the confirmation payment information for the target payment information sent by the client is detected, at least one service interface matched with the target payment information is called to finish payment of at least one commodity, and corresponding payment feedback information is generated and sent to the client.
Alternatively, the method may specifically include: acquiring a payment request of a payment user for at least one commodity, and sending the payment request to a server; or displaying the identification code so that the merchant scans the displayed identification code; receiving target payment information sent by a server, and providing the target payment information to a payment user, wherein the target payment information is generated according to at least one preferential mode by using a greedy algorithm; when the confirmation payment response of the payment user to the target payment information is detected, corresponding confirmation payment information is generated and sent to the server; and receiving payment feedback information returned by the server and providing the payment feedback information to a payment user.
Example seven
The seventh embodiment of the present invention also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the payment method provided by the embodiment of the present invention. The method specifically comprises the following steps: according to a payment request for at least one commodity sent by a client, at least one preferential mode matched with the payment request is obtained; generating target payment information according to at least one preferential mode by using a greedy algorithm, and sending the target payment information to a client; when the confirmation payment information for the target payment information sent by the client is detected, at least one service interface matched with the target payment information is called to finish payment of at least one commodity, and corresponding payment feedback information is generated and sent to the client.
Alternatively, the method may specifically include: acquiring a payment request of a payment user for at least one commodity, and sending the payment request to a server; or displaying the identification code so that the merchant scans the displayed identification code; receiving target payment information sent by a server, and providing the target payment information to a payment user, wherein the target payment information is generated according to at least one preferential mode by using a greedy algorithm; when the confirmation payment response of the payment user to the target payment information is detected, corresponding confirmation payment information is generated and sent to the server; and receiving payment feedback information returned by the server and providing the payment feedback information to a payment user.
The computer storage media of embodiments of the invention may take the form of any combination of one or more computer-readable media. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples (a non-exhaustive list) of the computer-readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
The computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, either in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
The computer program code for carrying out operations of the present invention may be written in one or more programming languages, including an object oriented programming language such as Java, smalltalk, C ++, ruby, go and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computer (for example, through the Internet using an Internet service provider).
Note that the above is only a preferred embodiment of the present invention and the technical principle applied. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, while the invention has been described in connection with the above embodiments, the invention is not limited to the embodiments, but may be embodied in many other equivalent forms without departing from the spirit or scope of the invention, which is set forth in the following claims.

Claims (10)

1. A payment method applied to a server of a payment platform, comprising:
according to a payment request for at least one commodity sent by a client of a payment platform, receiving platform selection information fed back by the client, and determining at least one preferential platform matched with the platform selection information as at least one preferential platform matched with a payment user;
acquiring user information and merchant information matched with the payment request, determining at least one preferential platform matched with the payment user according to the user information, and acquiring at least one platform preferential mode and a coupon preferential mode matched with the payment request in the at least one preferential platform; the payment request for at least one commodity comprises commodity information, merchant information and user information of a payment user;
Determining a target payment mode according to the at least one platform discount mode, the coupon discount mode and the commodity information by using a greedy algorithm; generating target payment information according to the target payment mode and sending the target payment information to the client; wherein the target payment means comprises a full-down means, a coupon means, or a coupon means, and when the target payment means is a coupon means, the target payment information comprises preferential payment information and commodity payment information, wherein the preferential payment information is the total amount of the coupon to be paid to the preferential platform;
when the confirmation payment information which is sent by the client and aims at the target payment information is detected, at least one service interface which is matched with the target payment information is called to finish payment of at least one commodity, and corresponding payment feedback information is generated and sent to the client; the payment feedback information comprises second payment information and third payment information, wherein the second payment information is payment feedback information for purchasing the coupon at the preferential platform, and the third payment information is payment feedback information for deducting the residual amount of the coupon from the price of the paid commodity;
The calling of at least one service interface matched with the target payment information completes the payment of the at least one commodity, and generates corresponding payment feedback information to be sent to the client, wherein the method comprises the steps of;
invoking a preferential platform payment interface matched with the target payment information to finish payment of at least one coupon, and generating second payment information;
acquiring identification information of the at least one coupon;
according to the identification information, calling a merchant payment interface matched with the target payment information to finish payment of the at least one commodity, and generating third payment information;
and sending the second payment information and the third payment information to the client.
2. The method of claim 1, wherein determining a target payment method based on the at least one platform offer and the coupon offer using a greedy algorithm, further comprising:
and acquiring commodity information matched with the payment request, wherein the commodity information comprises commodity price and commodity name or only comprises commodity price.
3. The method of claim 2, wherein the targeted payment means further comprises a platform offer means;
Invoking at least one service interface matched with the target payment information to complete payment of the at least one commodity, generating corresponding payment feedback information and sending the payment feedback information to the client, and further comprising:
and calling a preferential platform payment interface matched with the target payment information to finish payment of the at least one commodity, and generating first payment information and sending the first payment information to the client.
4. A payment method applied to a client of a payment platform, comprising:
acquiring a payment request of a payment user for at least one commodity, and sending the payment request to a server of a payment platform; or displaying the identification code so that the merchant scans the displayed identification code; the payment request for at least one commodity comprises commodity information, merchant information and user information of a payment user;
receiving target payment information sent by the server, and providing the target payment information to the payment user; wherein before the server sends the target payment information, the method further comprises: determining a target payment mode according to at least one platform discount mode, a coupon discount mode and the commodity information by using a greedy algorithm; generating target payment information according to the target payment mode; the target payment means includes a full-down means, a coupon means, or a coupon means, and when the target payment means is a coupon means, the target payment information comprises preferential payment information and commodity payment information, wherein the preferential payment information is the total amount of the coupon to be paid to the preferential platform;
When the confirmation payment response of the payment user to the target payment information is detected, corresponding confirmation payment information is generated and sent to the server;
receiving payment feedback information returned by the server and providing the payment feedback information to the payment user; the payment feedback information comprises second payment information and third payment information, wherein the second payment information is payment feedback information for purchasing the coupon at the preferential platform, and the third payment information is payment feedback information for deducting the residual amount of the coupon from the price of the paid commodity;
before the server returns the payment feedback information, the method further comprises the following steps: invoking a preferential platform payment interface matched with the target payment information to finish payment of at least one coupon, and generating second payment information;
acquiring identification information of the at least one coupon;
according to the identification information, calling a merchant payment interface matched with the target payment information to finish payment of the at least one commodity, and generating third payment information;
and sending the second payment information and the third payment information to the client.
5. The method as recited in claim 4, further comprising:
And acquiring platform selection information of the payment user, and sending the platform selection information to the server.
6. The method of claim 5, wherein prior to the obtaining a payment request for at least one commodity by a payment user, the method further comprises:
the identification code of the merchant is scanned.
7. A payment device for a server of a paymate, comprising:
the system comprises a coupon mode acquisition module, a coupon mode judgment module and a payment module, wherein the coupon mode acquisition module is used for acquiring user information and merchant information matched with a payment request according to the payment request of at least one commodity sent by a client of the payment platform, determining at least one coupon platform matched with a payment user according to the user information, and acquiring at least one platform coupon mode and at least one coupon mode matched with the payment request in the at least one coupon platform; the payment request for at least one commodity comprises commodity information, merchant information and user information of a payment user;
the payment information generation module is used for determining a target payment mode according to the at least one platform discount mode, the at least one coupon discount mode and the commodity information by using a greedy algorithm; generating target payment information according to the target payment mode and sending the target payment information to the client; wherein the target payment means comprises a full-down means, a coupon means, or a coupon means, and when the target payment means is a coupon means, the target payment information comprises preferential payment information and commodity payment information, wherein the preferential payment information is the total amount of the coupon to be paid to the preferential platform;
The commodity payment module is used for calling at least one service interface matched with the target payment information to finish payment of at least one commodity when the confirmation payment information sent by the client for the target payment information is detected, and generating corresponding payment feedback information and sending the corresponding payment feedback information to the client; the payment feedback information comprises second payment information and third payment information, wherein the second payment information is payment feedback information for purchasing the coupon at the preferential platform, and the third payment information is payment feedback information for deducting the residual amount of the coupon from the price of the paid commodity;
the commodity payment module is further used for: invoking a preferential platform payment interface matched with the target payment information to finish payment of at least one coupon, and generating second payment information;
acquiring identification information of the at least one coupon;
according to the identification information, calling a merchant payment interface matched with the target payment information to finish payment of the at least one commodity, and generating third payment information;
and sending the second payment information and the third payment information to the client.
8. A payment device for use with a client of a paymate, comprising:
The payment request acquisition module is used for acquiring a payment request of a payment user for at least one commodity and sending the payment request to a server of a payment platform; or displaying the identification code so that the merchant scans the displayed identification code; the payment request for at least one commodity comprises commodity information, merchant information and user information of a payment user;
the payment information receiving module is used for receiving the target payment information sent by the server and providing the target payment information for the payment user;
the confirmation information sending module is used for generating corresponding confirmation payment information to be sent to the server when the confirmation payment response of the payment user for the target payment information is detected;
the feedback information providing module is used for receiving the payment feedback information returned by the server and providing the payment feedback information to the payment user; the payment feedback information comprises second payment information and third payment information, wherein the second payment information is payment feedback information for purchasing the coupon at the preferential platform, and the third payment information is payment feedback information for deducting the residual amount of the coupon from the price of the paid commodity;
Wherein, before the server returns the payment feedback information, the server is further configured to: invoking a preferential platform payment interface matched with the target payment information to finish payment of at least one coupon, and generating second payment information; acquiring identification information of the at least one coupon; according to the identification information, calling a merchant payment interface matched with the target payment information to finish payment of the at least one commodity, and generating third payment information; transmitting the second payment information and the third payment information to the client;
before the server sends the target payment information, the server is further configured to: determining a target payment mode according to at least one platform discount mode, a coupon discount mode and the commodity information by using a greedy algorithm; generating target payment information according to the target payment mode; the target payment means includes a full-down means, a coupon means, or a coupon means, and when the target payment means is a coupon means, the target payment information includes preferential payment information and commodity payment information, wherein the preferential payment information is the total amount of the coupon to be paid to the preferential platform.
9. A terminal device, comprising:
one or more processors;
a memory for storing one or more programs;
when executed by the one or more processors, causes the one or more processors to implement the payment method of any of claims 1-3, or the payment method of any of claims 4-6.
10. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements a payment method according to any one of claims 1-3 or a payment method according to any one of claims 4-6.
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