CN110675135B - Multi-person common payment method, device, medium and electronic equipment - Google Patents
Multi-person common payment method, device, medium and electronic equipment Download PDFInfo
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Abstract
The disclosure relates to the field of data analysis, and discloses a method, a device, a medium and electronic equipment for multi-person joint payment. The method comprises the following steps: acquiring payment account association information of a plurality of users; receiving a payment task request from a merchant terminal, and determining a payment account set corresponding to the payment task request according to the payment task request; determining the amount to be paid of each payment account in the payment account set based on payment account related information of the payment accounts in the payment account set and the total amount to be paid; sending a payment instruction to a terminal corresponding to the payment account according to the amount to be paid by each payment account in the payment account set; and deducting the payment accounts in the payment account set according to the received payment confirmation instruction from the terminal corresponding to the payment account. Under the method, a plurality of people are allowed to pay a bill together, so that the efficiency and fairness of the multi-people payment are improved.
Description
Technical Field
The disclosure relates to the technical field of data analysis, and in particular relates to a method, a device, a medium and electronic equipment for multi-person joint payment.
Background
With the advent of the internet, particularly the mobile internet age, mobile payment has grown vigorously, and the cashless age has been entered. When a user is making mobile payment, the payment can be completed by only showing the payment code or scanning the payment code of the merchant.
However, in a real world scenario, many people are often required to pay a bill together, the so-called AA system. In this scenario, the manner in which multiple people together pay the bill is generally as follows: firstly, selecting one person to pay the whole bill; then, calculating an amount that each person who is to pay the bill together should share; finally, each person pays the user paying the whole bill according to the calculated amortized amount.
The prior art has the defects that when a plurality of people pay a bill together, the payment process is complex, and the payment efficiency is low; in addition, AA does not mean absolute fairness, and there are some unfair factors that can be present in full average payments when multiple people pay, since users who together pay a bill do not necessarily agree on full average payments, and some users want to afford or have the ability to afford more shares.
Disclosure of Invention
In the technical field of data analysis, in order to solve the technical problems, the disclosure aims to provide a method, a device, a medium and electronic equipment for multi-person joint payment.
According to an aspect of the present application, there is provided a method of multi-person collective payment, the method comprising:
acquiring payment account association information of a plurality of users, wherein the payment account association information of each user corresponds to one payment account;
receiving a payment task request from a merchant terminal, and determining a payment account set corresponding to the payment task request according to the payment task request, wherein the payment task request comprises a total amount to be paid, and the payment account set comprises at least one payment account;
determining the amount to be paid of each payment account in the payment account set based on payment account related information of the payment accounts in the payment account set and the total amount to be paid;
sending a payment instruction to a terminal corresponding to the payment account according to the amount to be paid by each payment account in the payment account set;
and deducting the payment accounts in the payment account set according to the received payment confirmation instruction from the terminal corresponding to the payment account.
According to another aspect of the present application, there is provided a multi-person co-payment device, the device comprising:
the acquisition module is configured to acquire payment account association information of a plurality of users, wherein the payment account association information of each user corresponds to one payment account;
the system comprises a receiving module, a processing module and a processing module, wherein the receiving module is configured to receive a payment task request from a merchant terminal and determine a payment account set corresponding to the payment task request according to the payment task request, wherein the payment task request comprises a total amount to be paid, and the payment account set comprises at least one payment account;
the to-be-paid amount determining module is configured to determine the amount to be paid by each payment account in the payment account set based on the payment account related information of the payment accounts in the payment account set and the total amount to be paid;
the sending module is configured to send a payment instruction to a terminal corresponding to the payment account according to the amount to be paid by each payment account in the payment account set;
and the deduction module is configured to deduct money from the payment accounts in the payment account set according to the received confirmed payment instruction from the terminal corresponding to the payment account.
According to another aspect of the present application, there is provided a computer readable program medium storing computer program instructions which, when executed by a computer, cause the computer to perform the method as described above.
According to another aspect of the present application, there is provided an electronic device including:
a processor;
a memory having stored thereon computer readable instructions which, when executed by the processor, implement a method as described above.
The technical scheme provided by the embodiment of the invention can comprise the following beneficial effects:
the multi-person common payment method provided by the invention comprises the following steps: acquiring payment account association information of a plurality of users, wherein the payment account association information of each user corresponds to one payment account; receiving a payment task request from a merchant terminal, and determining a payment account set corresponding to the payment task request according to the payment task request, wherein the payment task request comprises a total amount to be paid, and the payment account set comprises at least one payment account; determining the amount to be paid of each payment account in the payment account set based on payment account related information of the payment accounts in the payment account set and the total amount to be paid; sending a payment instruction to a terminal corresponding to the payment account according to the amount to be paid by each payment account in the payment account set; and deducting the payment accounts in the payment account set according to the received payment confirmation instruction from the terminal corresponding to the payment account.
According to the method, the common payment of multiple persons is realized by carrying out payment based on the payment account set, meanwhile, the user can finish the common payment of the multiple persons without inputting the amount of money, the efficiency of the common payment of the multiple persons is improved, in addition, the amount to be paid of each payment account participating in the common payment is generated according to the payment account association information, the share of each user in the common payment is not fixed, and the fairness of the common payment of the multiple persons can be improved.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention as claimed.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description, serve to explain the principles of the invention.
FIG. 1 is a schematic illustration of an application scenario of a multi-person co-payment method, according to an example embodiment;
FIG. 2 is a flow chart illustrating a method of multi-person collective payment, according to an example embodiment;
FIG. 3 is a flow chart illustrating a method of multi-person collective payment according to an exemplary embodiment;
FIG. 4 is a detailed flow diagram of step 230 according to an embodiment illustrated in the corresponding embodiment of FIG. 2;
FIG. 5 is a detailed flow diagram of step 230 according to another embodiment shown in the corresponding embodiment of FIG. 2;
FIG. 6 is a detailed flow diagram of step 235 according to an embodiment illustrated in the corresponding embodiment of FIG. 5;
FIG. 7 is a block diagram of a multi-person co-payment device, shown in accordance with an exemplary embodiment;
FIG. 8 is an exemplary block diagram of an electronic device implementing the above-described multi-person co-payment method, according to an exemplary embodiment;
fig. 9 is a computer readable storage medium embodying the above-described multi-person collective payment method, according to an exemplary embodiment.
Detailed Description
Reference will now be made in detail to exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numbers in different drawings refer to the same or similar elements, unless otherwise indicated. The implementations described in the following exemplary examples do not represent all implementations consistent with the invention. Rather, they are merely examples of apparatus and methods consistent with aspects of the invention as detailed in the accompanying claims.
Furthermore, the drawings are merely schematic illustrations of the present disclosure and are not necessarily drawn to scale. The same reference numerals in the drawings denote the same or similar parts, and thus a repetitive description thereof will be omitted. Some of the block diagrams shown in the figures are functional entities and do not necessarily correspond to physically or logically separate entities.
The present disclosure first provides a method of multi-person collective payment. The multi-person co-payment means that at least two persons together complete payment of a bill.
An implementation terminal of the present disclosure may be any device having computing and processing functions, which may be connected to an external device for receiving or sending information, may be a portable mobile device, such as a smart phone, a tablet, a notebook, PDA (Personal Digital Assistant), etc., or a fixed device, such as a computer device, a field terminal, a desktop, a server, a workstation, etc., or a collection of devices, such as a physical infrastructure of cloud computing.
Preferably, the implementation terminal of the present disclosure may be a server or a physical infrastructure of cloud computing.
Fig. 1 is a schematic view of an application scenario of a multi-person co-payment method according to an exemplary embodiment. As shown in fig. 1, includes a server 110, merchant terminals 120, and user terminals 130. Two of the three can be connected through a communication link. When a user makes a payment at a physical store of a merchant, the user needs to pay electronically. The merchant terminal 120 and the user terminal 130 are respectively installed with an application for payment, the background of which is running on the server 110, and the merchant terminal 120 and the user terminal 130 are both registered on the server. Currently, in general, the mobile payment method may be as follows: the user terminal 130 presents the payment code, then the merchant terminal 120 scans the payment code, and submits the user account identifier obtained by scanning the payment code and the amount required to be paid by the user to the server 110, and finally the payment is completed; in addition, the mobile payment method may also be as follows: the merchant directly presents a cash register code which is used for collecting cash and can identify the merchant information, the user uses the user terminal to scan the cash register code, then inputs the amount to be paid, and then submits the amount and merchant cash account information obtained by scanning the merchant cash register code to a server, thus completing the payment. The inventors of the present application have seen that existing payment means include at least the following drawbacks: as shown in fig. 1, when multiple people pay together, one person needs to pay the full money first, then the people who pay together need to calculate the share of the people to pay, and then pay the full money party in advance, so that the payment efficiency is low; in addition, when a plurality of users pay together, the share that each person should share when paying the bill cannot be set fairly.
Fig. 2 is a flow chart illustrating a method of multi-person collective payment according to an exemplary embodiment. As shown in fig. 2, the method comprises the following steps:
step 210, obtaining payment account association information of a plurality of users.
The payment account association information is information related to the payment account. The payment account association information of each user corresponds to one payment account, and it is understood that the user is the owner of the payment account, so the payment account association information, the payment account, and the user are in one-to-one correspondence. The payment account is an account corresponding to an application that can make a payment. Such as an account in the form of a similar payment instrument account, a WeChat account.
In addition, one item of payment account association information is not necessarily only one item of information, but may be a collection of items of information.
In one embodiment, the payment account association information is generated and stored at the home end for each user's payment account when registered and used.
In one embodiment, the payment account association information includes information of the user's occupation, age, gender, etc.
Step 220, a payment task request from a merchant terminal is received, and a payment account set corresponding to the payment task request is determined according to the payment task request.
The payment task request comprises the total amount to be paid, the payment account set comprises at least one payment account, and the payment account contained in the payment account set is an account needing to complete the payment.
The merchant terminal may be a desktop computer, smart phone, server, workstation, etc. capable of communicating with the outside world and may perform computing or processing tasks. The payment task request may be any form of network request capable of transmitting information or data, such as an HTTP/HTTPs type request.
In one embodiment, the payment task request sent by the merchant terminal includes a payment account set formed by a plurality of payment accounts, where the plurality of payment accounts forming the payment account set may be obtained by:
for the mode that the merchant terminal scans and collects the payment codes, the merchant terminal can be provided with specific hardware capable of collecting a plurality of payment codes or equipment collected by the merchant terminal has a plurality of modes, including a direct code scanning deduction mode and a code scanning account reading mode, when the equipment collected by the merchant terminal is switched to the code scanning account reading mode, each user can show the digital identification capable of identifying the account on the mobile terminal, and a plurality of payment accounts to be paid together can be obtained respectively.
In one embodiment, determining a payment account set corresponding to a payment task request according to the payment task request specifically includes: the payment task request comprises a merchant account, and the implementation terminal of the disclosure generates a digital identifier (such as a two-dimensional code) capable of uniquely identifying the merchant account for the merchant account in advance; the merchant provides the digital identification for the user, a plurality of users needing to pay together scan the digital identification of the merchant by using the terminal of the user and send the digital identification to the local terminal, and the corresponding relation between the digital identification and accounts of the plurality of users needing to pay together is established at the local terminal; then, because the digital identifier corresponds to the merchant account and the digital identifier also corresponds to the accounts of the plurality of users who pay together, the unique corresponding relation between the merchant account and the plurality of user accounts who pay together can be obtained, and then the payment account set corresponding to the payment task request is determined.
In one embodiment, the implementation terminal of the present disclosure is a server, and a user determines, by inputting a payment group password at the terminal, a payment account set corresponding to a payment task request according to the payment task request.
The group password can be provided by a merchant, and the user can freely and randomly select the group password. When the group password is provided by a merchant, the merchant terminal automatically generates a payment group password when the merchant inputs payment amount, the payment group password can be sent to the merchant terminal by the server according to the merchant account, the payment group password can be automatically generated by the merchant terminal, the generated payment group password and the merchant account can be sent to the server for corresponding storage, the merchant informs the user needing to pay together of the payment group password, the user inputs the payment group password at a specific payment entrance on the terminal, the payment account of the user can be bound with the total amount to be paid, after the plurality of users are confirmed on the terminal, the payment accounts of the plurality of users, the corresponding payment group password and the total amount to be paid can be uploaded to the server, so that after a payment task request of the merchant is received, the corresponding payment group password is determined according to the account of the merchant sending a payment task request, and the plurality of user accounts needing to pay together can be uniquely determined according to the total amount to be paid and the payment group password submitted by the user; when the payment group password is arbitrarily selected by a user, the account of the merchant is sent to the server from the merchant terminal in advance, after a plurality of users input the payment group password, an interface capable of selecting the merchant account is loaded, the merchant account displayed in the interface is determined by the network position of the user terminal, after a plurality of users simultaneously select the same merchant account, the plurality of user accounts which are commonly paid are bound with the merchant account and submitted to the server, and when the server receives a payment task request from the merchant, the merchant account can be determined according to the payment task request, and then a plurality of payment accounts which are bound with the merchant account and are commonly paid are determined.
And 230, determining the amount to be paid by each payment account in the payment account set based on the payment account association information of the payment accounts in the payment account set and the total amount to be paid.
In one embodiment, the payment account association information includes an amount to be paid by each payment account in the payment account set for an order that the user pays together for the multiple people when the multiple people pay together and each user submits to the local end, by determining the amount to be paid by each payment account in the payment account set as follows: acquiring the amount to be borne in the order submitted by all payment accounts; determining a sum of the amounts; for each payment account, obtaining a ratio of the amount to the sum; and taking the product of the ratio of each payment account and the total amount to be paid as the amount to be paid by the payment account.
In one embodiment, the payment account association information of the user includes seven characteristic information of age, occupation, sex, asset, payment amount, and payment bill type of the user, and the determining the amount to be paid by each payment account in the payment account set based on the payment account association information of the payment accounts in the payment account set and the total amount to be paid includes: respectively digitizing age, occupation, sex, asset, payment amount, payment number and payment bill type ratio included in each payment account associated information in the payment account associated information of the plurality of users to obtain a characteristic value; normalizing each obtained characteristic value to be between 0 and 1 to obtain a normalized characteristic value; converting normalized feature values corresponding to the payment account association information into vectors aiming at each payment account association information to obtain feature vectors; clustering all payment accounts according to the feature vectors corresponding to the payment account association information to obtain a plurality of clusters; acquiring a payment proportion corresponding to each cluster; determining a cluster to which each payment account in the payment account set belongs; acquiring the payment amount ratio of each payment account in the payment account set according to the payment proportion corresponding to the cluster and the cluster to which each payment account in the payment account set belongs; for each payment account, taking the product of the payment amount of the payment account and the total amount to be paid as the amount to be paid of the payment account.
In one embodiment, a table of correspondence between the average value range of the payment amount and the payment ratio is preset. Firstly, determining the average value of the payment amount of the user in each cluster, and then searching the corresponding relation table to obtain the payment amount average value range to which the average value of the payment amount belongs, so that the payment proportion of each cluster can be determined.
In one embodiment, all payment accounts are clustered by a K-means algorithm.
In one embodiment, an average of the normalized characteristic values of the payment amounts corresponding to all payment accounts in each cluster is obtained, and then the payment ratio of each cluster may be determined according to the average. For example, a total cluster resulted in 5 clusters, with average values for each cluster being 0.20,0.35,0.50,0.75 and 0.80, respectively; obtaining the sum of all average values to be 2.6; the ratio of the average value of each cluster to 2.6 can be taken as the payment ratio for that cluster.
And 240, sending a payment instruction to a terminal corresponding to the payment account according to the amount to be paid by each payment account in the payment account set.
In one embodiment, each payment account terminal is provided with an application, and a payment instruction is sent to the terminal corresponding to the payment account by triggering the terminal corresponding to the payment account to pop up a payment page.
And 250, deducting the payment account in the payment account set according to the received payment confirmation instruction from the terminal corresponding to the payment account.
In one embodiment, the obtaining of the payment instruction of the local terminal by the terminal corresponding to the payment account is performed by displaying a payment page, and a button control for confirming payment is further arranged on the page.
In one embodiment, the payment accounts in the payment account set may be deducted by subtracting the corresponding amount to be paid from the account balance of each payment account; similarly, the merchant account balance is increased by the same amount as the total amount to be paid.
In summary, in the embodiment shown in fig. 2, the payment is performed based on the payment account set, so that the multi-person co-payment is realized, and meanwhile, the user can complete the multi-person co-payment without inputting the amount of money, so that the efficiency of the multi-person co-payment is improved; in addition, the amount paid by each person is determined according to the account association information when the multiple persons pay together, so that the amount to be paid set for each person is more suitable for the user, and the fairness of the multiple persons paying is improved.
Fig. 3 is a flow chart illustrating a method of multi-person collective payment according to an exemplary embodiment. As shown in fig. 3, includes a server, merchant terminals, and 3 user terminals. After 3 user terminals are respectively registered in the server through installed applications, the server distributes a payment account for the user of each user terminal, and the payment account can be transferred in or out by a certain amount; when each user uses the payment account, various data can be generated, and the information submitted during registration and the corresponding data of the payment account can be used as payment account association information; the merchant terminal sends a payment request to a server, and then the server determines a payment account set according to the payment request, wherein the payment account request contains the total amount to be paid; then the server determines the amount to be paid of each payment account according to the payment account related information and the total amount to be paid of the payment accounts in the payment account set; after obtaining the to-be-paid amount of each payment account, the server sends a payment instruction to a terminal corresponding to each payment account in the payment account set; after the user terminal sends the payment confirmation instruction to the server, the server deducts the payment account of each user according to the amount to be paid of each payment account.
In one embodiment, the payment task request also includes an average payment base for the total amount to be paid. Fig. 4 is a detailed flow diagram of step 230 according to an embodiment illustrated by the corresponding embodiment of fig. 2. As shown in fig. 4, the method comprises the following steps:
step 230' determines an amount to be paid for each payment account in the set of payment accounts based on payment account association information for the payment accounts in the set of payment accounts, an average payment base for a total amount to be paid, and the total amount to be paid.
The average payment cardinality is the lowest amount paid by the payment accounts in the collection of payment accounts. When determining the amount to be paid by each payment account, firstly acquiring the number of the payment accounts in a payment account set; obtaining a product of the number and an average payment base; determining a difference between the total amount to be paid and the product; then, according to the difference value and the payment account association information, acquiring a supplementary amount of each payment account, wherein the supplementary amount is an unfixed part of the amount to be paid by each payment account; for each payment account, the supplemental amount and the average payment base are taken as the amount to be paid by the payment account. The method and the device have the advantages that the amount to be paid by each payment account in the determined payment account set is not too different, and the fairness of payment is improved.
In one embodiment, the payment account associated information of the user includes seven characteristic information of age, occupation, sex, asset, payment amount, payment number, and payment bill type. Fig. 5 is a detailed flow chart of step 230 according to another embodiment illustrated in the corresponding embodiment of fig. 2. As shown in fig. 5, the method comprises the following steps:
and 231, respectively digitizing the age, occupation, sex, asset, payment amount, payment number and payment bill type ratio of the user corresponding to each payment account in the payment account set to obtain the characteristic value.
In one embodiment, the values of each item of characteristic information are obtained by means of a look-up table.
In one embodiment, the bill pay rate may be the rate of the luxury goods bill pay amount in the total consumption amount, and may also be the rate of the life necessity bill pay amount in the total consumption amount. For example, if one's luxury bill amount for payment is 0.5 in the total amount of consumption, then one may be set to a feature value of 5 for the bill for payment, and if the life necessity bill for payment is 0.8 in the total amount of consumption, then one may be set to a feature value of 2 for the bill for payment.
In one embodiment, the characteristic value of age is obtained according to rules or experience. Such as setting according to the accumulation of finance for each age group. For example, if a person is 40-60 years old, since the person in this age group is generally the most of the people's life and wealth, and is generally the parents in the home or the management layer in the company, the characteristic value of the age may be set to 9 for him, and similarly, if a person is 30-40 years old, the characteristic value of the age may be set to 8 for him, and the characteristic value of the age may be set to 2 for the person in this age group of 0-18 years old.
In one embodiment, the characteristic value of gender is set according to the division of society and the disadvantages that females occupy in the employment market. It will be appreciated that in daily life, the proportion of men billed is much higher than women, so that men have a higher sex characteristic value than women, for example, a sex characteristic value of 4 may be set for women and a sex characteristic value of 6 for men.
In one embodiment, the characteristic value of the asset may be determined according to the asset condition, such as a person having a car with a house, the characteristic value of the asset may be set to 8 for the person, if a person has a car without a house, the characteristic value of the asset may be set to 6 for the person, a person has a car without a house, the characteristic value of the asset may be set to 4 for the person, and so on.
In one embodiment, the characteristic value of the occupation may be set in advance according to average wages of the occupations in the current society, for example, setting the characteristic value of the occupation to 9 for the gold collar, setting the characteristic value of the occupation to 7 for the white collar, setting the characteristic value of the occupation to 5 for the blue collar, setting the characteristic value of the occupation to 2 for the housewife, and so on.
And 232, normalizing the characteristic values of the age, occupation, sex, asset, payment amount, payment pen number and payment bill type ratio of the user corresponding to each payment account in the payment account set to be between 0 and 1, and obtaining the normalized characteristic values.
In one embodiment, a reference feature value is set for each feature information, and each feature value is normalized by obtaining a ratio of the feature value to the reference feature value.
And step 233, respectively acquiring the weight of each piece of characteristic information of the age, occupation, sex, asset, payment amount, payment number, payment bill type and ratio.
In one embodiment, the weight of each item of characteristic information is empirically set in advance.
Step 234, according to the weights, determining, for each user, a weighted sum of the normalized feature values.
Step 235, determining an amount to be paid by the payment account of each user in the payment account set based on the weighted sum and the total amount to be paid.
In one embodiment, the amount to be paid by the payment account of each user in the set of payment accounts is determined by: obtaining a sum of the weighted sums determined for each user; determining the ratio of the weighted sum of each user to the sum as a first ratio; and taking the product of the first ratio of each user and the total amount to be paid as the amount to be paid for the payment account of each user in the payment account set.
The method and the device have the advantages that the determined amount to be paid of each payment account is directly related to the characteristic value corresponding to the characteristic information, and the degree of fitness between the amount to be paid and the user is ensured.
FIG. 6 is a detailed flow diagram of step 235 according to an embodiment illustrated in the corresponding embodiment of FIG. 5. As shown in fig. 6, the method comprises the following steps:
step 2351, the weighted sums determined for each user are sorted in order of magnitude.
In one embodiment, the weighted sum determined for each user is ranked by a bubble ranking algorithm.
Step 2352, dividing all weighted sums into a predetermined number of intervals in the order.
Wherein the weighted sum determined for each user belongs to only one interval.
In one embodiment, the number of weighted sums is first obtained; then determining a difference of the predetermined number from 1; obtaining the ratio of the number of the weighted sums to the difference value; finally, starting from the weighted sum which is sequenced at the first, obtaining the weighted sum with the number of the ratio each time, and dividing the obtained weighted sum into a section; when the number of remaining weighted sums is less than the ratio, all weighted sums are divided into the last interval.
Step 2353, determining the weight in the interval and the payment amount ratio of the payment account of the corresponding user according to the divided interval.
In one embodiment, the payment amount ratio of the weighted sum corresponding to the user's payment account within each interval is determined by: acquiring the sum of the weighted sums determined for all users as a first numerical value, and acquiring the sum of the weighted sums determined for all users in each interval as a second numerical value; determining the number of weighted sums within each interval as a third value; for each interval, obtaining the ratio of the second value to the first value of the interval; and determining the weight in each interval and the payment amount ratio of the payment account of the corresponding user according to the ratio of each interval.
In one embodiment, a ratio of a weighted sum belonging interval of each payment account in the payment account set is obtained as a first ratio; obtaining the sum of all the first ratios; then, the ratio of each first ratio to the sum is obtained and used as a second ratio; and taking the second ratio corresponding to each payment account as the payment amount ratio of the payment account.
Step 2354, for each user's payment account in the payment account set, taking the product of the payment amount of the user's payment account ratio and the total amount to be paid as the amount to be paid by the user's payment account.
The advantage of this embodiment is that by setting the payment ratio according to the interval to which the weighted sum belongs, the difference in the payment ratio of each payment account within the same weighted sum interval is made smaller, avoiding that the user assumes an amount that does not correspond to his own capabilities due to the determined weighted sum not being sufficient to accurately indicate the ability to pay the bill.
The present disclosure also provides a multi-person co-payment device, the following are device embodiments of the present disclosure.
Fig. 7 is a block diagram illustrating a multi-person co-payment device, according to an example embodiment. As shown in fig. 7, the multi-person collective payment device 700 includes:
an obtaining module 710 configured to obtain payment account association information of a plurality of users, each of the payment account association information of the users corresponding to one of the payment accounts;
a receiving module 720 configured to receive a payment task request from a merchant terminal, and determine a payment account set corresponding to the payment task request according to the payment task request, wherein the payment task request includes a total amount to be paid, and the payment account set includes at least one payment account;
a to-be-paid amount determining module 730 configured to determine an amount to be paid by each payment account in the set of payment accounts based on payment account related information of the payment accounts in the set of payment accounts and the total amount to be paid;
the sending module 740 is configured to send a payment instruction to a terminal corresponding to the payment account according to the amount to be paid by each payment account in the payment account set;
and the deduction module 750 is configured to deduct money from the payment accounts in the payment account set according to the received confirmed payment instruction from the terminal corresponding to the payment account.
According to a third aspect of the present disclosure, there is also provided an electronic device capable of implementing the above method.
Those skilled in the art will appreciate that the various aspects of the invention may be implemented as a system, method, or program product. Accordingly, aspects of the invention may be embodied in the following forms, namely: an entirely hardware embodiment, an entirely software embodiment (including firmware, micro-code, etc.) or an embodiment combining hardware and software aspects may be referred to herein as a "circuit," module "or" system.
An electronic device 800 according to such an embodiment of the invention is described below with reference to fig. 8. The electronic device 800 shown in fig. 8 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. 8, the electronic device 800 is embodied in the form of a general purpose computing device. Components of electronic device 800 may include, but are not limited to: the at least one processing unit 810, the at least one memory unit 820, and a bus 830 connecting the various system components, including the memory unit 820 and the processing unit 810.
Wherein the storage unit stores program code that is executable by the processing unit 810 such that the processing unit 810 performs steps according to various exemplary embodiments of the present invention described in the above-described "example methods" section of the present specification.
Storage unit 820 may include readable media in the form of volatile storage units such as Random Access Memory (RAM) 821 and/or cache memory unit 822, and may further include Read Only Memory (ROM) 823.
The storage unit 820 may also include a program/utility 824 having a set (at least one) of program modules 825, such program modules 825 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.
Bus 830 may be one or more of several types of bus structures including a memory unit bus or memory unit controller, a peripheral bus, an accelerated graphics port, a processing unit, or a local bus using any of a variety of bus architectures.
The electronic device 800 may also communicate with one or more external devices 1000 (e.g., keyboard, pointing device, bluetooth device, etc.), one or more devices that enable a user to interact with the electronic device 800, and/or any device (e.g., router, modem, etc.) that enables the electronic device 800 to communicate with one or more other computing devices. Such communication may occur through an input/output (I/O) interface 850. Also, electronic device 800 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 860. As shown, network adapter 860 communicates with other modules of electronic device 800 over bus 830. It should be appreciated that although not shown, other hardware and/or software modules may be used in connection with electronic device 800, 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.
From the above description of embodiments, those skilled in the art will readily appreciate that the example embodiments described herein may be implemented in software, or may be implemented in software in combination with the necessary hardware. Thus, the technical solution according to the embodiments of the present disclosure may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (may be a CD-ROM, a U-disk, a mobile hard disk, etc.) or on a network, including several instructions to cause a computing device (may be a personal computer, a server, a terminal device, or a network device, etc.) to perform the method according to the embodiments of the present disclosure.
According to a fourth aspect of the present disclosure, there is also provided a computer readable storage medium having stored thereon a program product capable of implementing the method described herein above. In some possible embodiments, the various aspects of the invention may also be implemented in the form of a program product comprising program code for causing a terminal device to carry out the steps according to the various exemplary embodiments of the invention as described in the "exemplary methods" section of this specification, when said program product is run on the terminal device.
Referring to fig. 9, a program product 900 for implementing the above-described method according to an embodiment of the present invention is described, which may employ a portable compact disc read only memory (CD-ROM) and include program code, and may be run on a terminal device, such as a personal computer. However, the program product of the present invention is not limited thereto, and in this document, a 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 program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The readable storage medium can be, for example, but is 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 readable storage medium would include the following: an electrical connection having one or more wires, a portable disk, a hard disk, random Access Memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
The computer readable signal medium may include a data signal propagated in baseband or as part of a carrier wave with readable program code embodied therein. 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 readable signal medium may also be any readable medium that is not a 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 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.
Program code for carrying out operations of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C++ or the like 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 computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of remote computing devices, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., connected via the Internet using an Internet service provider).
Furthermore, the above-described drawings are only schematic illustrations of processes included in the method according to the exemplary embodiment of the present invention, and are not intended to be limiting. It will be readily appreciated that the processes shown in the above figures do not indicate or limit the temporal order of these processes. In addition, it is also readily understood that these processes may be performed synchronously or asynchronously, for example, among a plurality of modules.
It is to be understood that the invention is not limited to the precise arrangements and instrumentalities shown in the drawings, which have been described above, and that various modifications and changes may be effected without departing from the scope thereof. The scope of the invention is limited only by the appended claims.
Claims (4)
1. A method of multi-person co-payment, the method comprising:
acquiring payment account related information of a plurality of users, wherein the payment account related information of each user corresponds to one payment account, and the payment account related information of each user comprises the amount which is supposed to be born in an order for the common payment of the plurality of people when each user submits the common payment of the plurality of people to a local terminal;
acquiring network positions of all user terminals, and determining merchant accounts which need to be displayed in an interface for selecting merchant accounts according to the network positions of all user terminals;
when the same payment group password input by a plurality of users is received, returning the merchant account which needs to be displayed in the interface for selecting the merchant account to the user terminal of each user, and displaying the merchant account in the interface for selecting the merchant account loaded by each user terminal;
when the plurality of users select the same merchant account in the interface for selecting the merchant account, binding payment accounts corresponding to the plurality of users with the merchant account;
receiving a payment task request from a merchant terminal, determining a merchant account according to the payment task request, and determining a plurality of payment accounts bound with the merchant account as a payment account set corresponding to the payment task request, wherein the payment task request comprises a total amount to be paid, and the payment account set comprises at least one payment account;
acquiring the amount to be borne in the order submitted by all payment accounts;
determining a sum of the amounts;
for each payment account, obtaining a ratio of the amount to the sum;
taking the product of the ratio of each payment account and the total amount to be paid as the amount to be paid by the payment account;
sending a payment instruction to a terminal corresponding to the payment account according to the amount to be paid by each payment account in the payment account set;
and deducting the payment accounts in the payment account set according to the received payment confirmation instruction from the terminal corresponding to the payment account.
2. A multi-person co-payment device, the device comprising:
the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is configured to acquire payment account related information of a plurality of users, the payment account related information of each user corresponds to one payment account, and the payment account related information of each user comprises the amount which is supposed to be born in an order which is submitted to a local terminal by each user and is commonly paid by the plurality of users;
the receiving module is configured to receive a payment task request from a merchant terminal, determine a merchant account according to the payment task request, and determine a plurality of payment accounts bound with the merchant account as a payment account set corresponding to the payment task request, wherein the payment task request comprises a total amount to be paid, and the payment account set comprises at least one payment account;
the to-be-paid amount determining module is configured to acquire amounts submitted by all payment accounts to be borne in the order; determining a sum of the amounts; for each payment account, obtaining a ratio of the amount to the sum; taking the product of the ratio of each payment account and the total amount to be paid as the amount to be paid by the payment account;
the sending module is configured to send a payment instruction to a terminal corresponding to the payment account according to the amount to be paid by each payment account in the payment account set;
the deduction module is configured to deduct money from the payment accounts in the payment account set according to the received confirmed payment instruction from the terminal corresponding to the payment accounts;
the apparatus is further configured to: acquiring network positions of all user terminals, and determining merchant accounts which need to be displayed in an interface for selecting merchant accounts according to the network positions of all user terminals; when the same payment group password input by a plurality of users is received, returning the merchant account which needs to be displayed in the interface for selecting the merchant account to the user terminal of each user, and displaying the merchant account in the interface for selecting the merchant account loaded by each user terminal; and when the plurality of users select the same merchant account in the interface for selecting the merchant account, binding the payment accounts corresponding to the plurality of users with the merchant account.
3. A computer readable program medium, characterized in that it stores computer program instructions which, when executed by a computer, cause the computer to perform the method according to claim 1.
4. An electronic device, the electronic device comprising:
a processor;
a memory having stored thereon computer readable instructions which, when executed by the processor, implement the method of claim 1.
Priority Applications (2)
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| CN201910713840.5A CN110675135B (en) | 2019-08-02 | 2019-08-02 | Multi-person common payment method, device, medium and electronic equipment |
| PCT/CN2019/117693 WO2021022711A1 (en) | 2019-08-02 | 2019-11-12 | Multi-person joint payment method and apparatus, computer device and storage medium |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201910713840.5A CN110675135B (en) | 2019-08-02 | 2019-08-02 | Multi-person common payment method, device, medium and electronic equipment |
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| CN110675135A CN110675135A (en) | 2020-01-10 |
| CN110675135B true CN110675135B (en) | 2024-03-08 |
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| CN109615349A (en) * | 2018-10-26 | 2019-04-12 | 阿里巴巴集团控股有限公司 | A kind of payment unions method and apparatus authorized in advance |
| CN111369241B (en) * | 2020-02-20 | 2021-08-13 | 支付宝(杭州)信息技术有限公司 | Group payment method, device and equipment |
| CN113313494A (en) * | 2020-02-26 | 2021-08-27 | 上海依图信息技术有限公司 | Offline payment method and device based on face recognition and electronic equipment |
| CN112581117A (en) * | 2020-12-10 | 2021-03-30 | 中国银联股份有限公司 | Payment method, collection device, payment device and storage medium |
| CN112579572B (en) * | 2020-12-18 | 2022-12-13 | 建信金融科技有限责任公司 | Associated account maintenance method and device and electronic equipment |
| CN113012370A (en) * | 2021-02-09 | 2021-06-22 | 中国建设银行股份有限公司 | Face payment method and device, electronic equipment and readable storage medium |
| CN112819455A (en) * | 2021-02-24 | 2021-05-18 | 拉扎斯网络科技（上海）有限公司 | Data processing method, data processing apparatus, electronic device, storage medium, and program product |
| CN113298507B (en) * | 2021-06-15 | 2023-08-22 | 英华达（上海）科技有限公司 | Payment verification method, system, electronic device and storage medium |
| CN113837738A (en) * | 2021-09-28 | 2021-12-24 | 维沃移动通信有限公司 | Payment method, payment device, electronic equipment and storage medium |
| CN114445068A (en) * | 2022-01-28 | 2022-05-06 | 中国建设银行股份有限公司 | Numerical resource processing method, system, computer device, and storage medium |
| CN116308324B (en) * | 2023-05-23 | 2023-07-21 | 云账户技术(天津)有限公司 | Multi-merchant payment method, system, electronic device and readable storage medium |
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| CN110675135A (en) | 2020-01-10 |
| WO2021022711A1 (en) | 2021-02-11 |
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