CN110930143A - Electronic payment method, device and equipment - Google Patents
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- 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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
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- 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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Abstract
The invention relates to an electronic payment method, a device and equipment, which are characterized in that pre-associated identification information and payment information sent by a receiving end are acquired; storing the identification information and the payment information in a preset database; receiving identification information sent by a payment end, wherein the identification information sent by the payment end is extracted from the broadcast information sent by a collection end by the payment end; the payment information associated with the identification information is confirmed in the database, so that the payment terminal pays according to the payment information, remote payment based on the broadcast information is realized, a payer does not need to scan the two-dimensional code, the payer does not need to place payment equipment near the collection equipment, payment can be quickly carried out when a plurality of people exist, and the payment efficiency is improved.
Description
Technical Field
The invention relates to the technical field of electronic payment, in particular to an electronic payment method, device and equipment.
Background
Along with the rapid development of scientific technology, the application of the mobile terminal in the daily life of people is more and more common, one of the main applications is that the mobile terminal can be adopted for electronic payment, the phenomenon that people carry a large amount of cash is avoided, and great convenience is brought to the life of people.
However, the main mode of electronic payment at present is to scan payment codes for payment or to pay through near field communication, when the payment codes are scanned for payment, payment equipment needs to be close to the two-dimensional codes, a camera is aligned to the two-dimensional codes for scanning, the payment equipment also needs to be placed near collection equipment for near field communication payment, queuing is needed when a large number of people exist, in a parking lot charging scene, the payment of the two-dimensional codes is commonly used, and a driver needs to extend out of a window or scan the two-dimensional codes which are aligned at a long distance and are not large when the driver is in progress or parks, so that insecurity and inconvenience are caused.
Disclosure of Invention
In view of the above, the present invention provides an electronic payment method, device and apparatus, so as to overcome the problem of low payment efficiency of the current electronic payment.
In order to achieve the purpose, the invention adopts the following technical scheme:
an electronic payment method comprising:
acquiring pre-associated identification information and payment information sent by a receiving end;
storing the identification information and the payment information in a preset database;
receiving the identification information sent by a payment end, wherein the identification information sent by the payment end is extracted from the broadcast information sent by the collection end by the payment end;
and confirming the payment information associated with the identification information in the database so that the payment terminal pays according to the payment information.
Further, the electronic payment method described above, the method further comprising:
judging whether the account information of the payment completed by the payment terminal is received within a preset time period;
if the account information is acquired within the preset time period, generating a payment voucher corresponding to the payment terminal;
and if the account information is not acquired within the preset time period, generating a payment failure prompt to prompt the payer at the payment end to pay again.
Further, the electronic payment method described above, the payment credentials comprising successful payment credentials and erroneous payment credentials;
the generating of the payment certificate corresponding to the payment terminal comprises:
acquiring consumption information of the payer;
judging whether the account information is matched with the consumption information;
if the account information is matched with the consumption information, generating the successful payment voucher;
and if the account information is not matched with the consumption information, generating the wrong payment voucher.
Further, the electronic payment method described above, the method further comprising:
if the account arrival information is acquired in the preset time period, acquiring an account arrival path and an account arrival amount of the account arrival information;
and returning the account amount according to the account path.
Further, in the electronic payment method, the broadcast information includes bluetooth broadcast information and/or WIFI hotspot broadcast information.
The invention also provides an electronic payment device, comprising:
the acquisition module is used for acquiring pre-associated identification information and payment information sent by the collection end;
the storage module is used for storing the identification information and the payment information in a preset database;
the receiving module is used for receiving the identification information sent by the payment end, wherein the identification information sent by the payment end is extracted from the broadcast information sent by the collection end by the payment end;
and the confirming module is used for confirming the payment information associated with the identification information in the database so as to enable the payment terminal to pay according to the payment information.
Furthermore, the electronic payment device further comprises a judging module and a generating module;
the judging module is used for judging whether the account information that the payment end completes payment is received within a preset time period;
the generating module is used for generating a payment voucher corresponding to the payment terminal if the account arrival information is acquired within the preset time period; and if the account information is not acquired within the preset time period, generating a payment failure prompt to prompt the payer at the payment end to pay again.
Further, the electronic payment device described above, the payment credentials comprising successful payment credentials and erroneous payment credentials;
the generating module is specifically used for acquiring consumption information of the payer; judging whether the account information is matched with the consumption information; if the account information is matched with the consumption information, generating the successful payment voucher; and if the account information is not matched with the consumption information, generating the wrong payment voucher.
Further, the electronic payment device described above further includes a return module;
the obtaining module is further configured to obtain an account arrival path and an account arrival amount of the account arrival information if the account arrival information is obtained in the preset time period;
and the returning module is used for returning the account amount according to the account path.
The invention also provides an electronic payment device, comprising a processor and a memory;
the processor is connected with the memory:
the processor is used for calling and executing the program stored in the memory;
the memory for storing the program for at least performing the electronic payment method described above.
The electronic payment method, the device and the equipment of the invention acquire the pre-associated identification information and payment information sent by the collection end; storing the identification information and the payment information in a preset database; receiving identification information sent by a payment end, wherein the identification information sent by the payment end is extracted from the broadcast information sent by a collection end by the payment end; the payment information associated with the identification information is confirmed in the database, so that the payment terminal pays according to the payment information, remote payment based on the broadcast information is realized, a payer does not need to scan the two-dimensional code, the payer does not need to place payment equipment near the collection equipment, payment can be quickly carried out when a plurality of people exist, and the safety and the convenience of electronic payment are improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a flow chart provided by an embodiment of the electronic payment method of the present invention;
FIG. 2 is a flow chart provided by a second embodiment of the electronic payment method of the present invention;
FIG. 3 is a block diagram of an electronic payment device according to an embodiment of the present invention;
FIG. 4 is a block diagram of a second embodiment of an electronic payment device in accordance with the present invention;
fig. 5 is a block diagram provided by an embodiment of the electronic payment device of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the technical solutions of the present invention will be described in detail below. It is to be understood that the described embodiments are merely exemplary of the invention, and not restrictive of the full scope of the invention. All other embodiments, which can be derived by a person skilled in the art from the examples given herein without any inventive step, are within the scope of the present invention.
Fig. 1 is a flow chart provided by an embodiment of the electronic payment method of the present invention. As shown in fig. 1, the electronic payment method of the embodiment may specifically include the following steps:
s100, acquiring pre-associated identification information and payment information sent by a receiving end;
specifically, the payee may associate the identification information with the payment information and send broadcast information, where the broadcast information carries the identification information, and the broadcast information may be bluetooth broadcast information and/or WIFI hotspot broadcast information. In this embodiment, the associated identification information and payment information may be received.
The receiving end can be a device such as a mobile phone and a tablet personal computer capable of sending Bluetooth broadcast information and/or WIFI hotspot broadcast information, or an independent Bluetooth device or an independent WIFI device, the identification information can be a physical address, a universal unique identification code, a serial number, a mobile phone number or content defined in advance of the receiving end, and the payment information can be a two-dimensional receiving code, a receiving account number or a receiving link.
S101, storing the identification information and the payment information in a preset database;
in this embodiment, after the identification information and the payment information associated in advance are acquired, the identification information and the payment information may be stored in a preset database.
S102, receiving identification information sent by a payment terminal;
specifically, the payee sends the broadcast information carrying the identification information, and when the payer needs to pay, the payer can open the function of bluetooth search or WIFI search, search the broadcast information, and after the broadcast information is searched, the payee can directly extract the identification information in the broadcast information without establishing connection with the payee sending the broadcast information.
After the payment end successfully extracts the identification information, the identification information can be sent, and in the embodiment, the identification information sent by the payment end can be received.
S103, confirming the payment information related to the identification information in the database.
Specifically, after receiving the identification information sent by the payment terminal, the payment terminal can confirm the payment information associated with the identification information in the preset database, and send the payment information to the payment terminal, so that the payment terminal can pay according to the payment information.
The electronic payment method of the embodiment obtains pre-associated identification information and payment information sent by a receiving end; storing the identification information and the payment information in a preset database; receiving identification information sent by a payment end, wherein the identification information sent by the payment end is extracted from the broadcast information sent by a collection end by the payment end; the payment information associated with the identification information is confirmed in the database, so that the payment terminal pays according to the payment information, remote payment based on the broadcast information is realized, a payer does not need to scan the two-dimensional code, the payer does not need to place payment equipment near the collection equipment, payment can be quickly carried out when a plurality of people exist, the payment efficiency is high, and the safety and the convenience of electronic payment are improved.
Further, fig. 2 is a flowchart provided by a second embodiment of the electronic payment method of the present invention. After the payment is made by the payment terminal, if the payment is not managed, the problems of payment failure, payment error or repeated payment can occur. In order to avoid the above problem, the present embodiment may further include the following steps (as shown in fig. 2) after S103 of the embodiment shown in fig. 1:
s200, judging whether account information of payment completed by a payment terminal is received or not within a preset time period, if so, executing S201, and if not, executing S205;
after the payment information is sent to the payment end, the payment end can pay according to the payment information, after the payment is successful, the collection end can receive the account information, and the collection end can send the account information. In this embodiment, it may be determined whether the account information sent by the payee and indicating that the payment is completed by the payer is received within the preset time period. If the account information that the payment end completes payment is received within the preset time period, executing S201; if the account information that the payment is completed by the payment terminal is not received within the preset time period, S205 is executed.
S201, acquiring consumption information of a payer;
in this embodiment, if the account information is obtained within the preset time period, the consumption information of the payer in the consumption process, that is, the actual consumption amount of the payer at the payment end, may be obtained.
Generally, the payee and the payer record the consumption information of the payer. In this embodiment, it is preferable to acquire consumption information recorded at the cash register.
S202, judging whether the account information is matched with the consumption information, if so, executing S203, and if not, executing S204;
further, whether the account information is matched with the consumption information or not is judged, namely whether the amount of the account is consistent with the amount actually consumed by the payer or not is judged. If the account information is matched with the consumption information, S203 is executed; if the account information does not match the consumption information, S204 is performed.
S203, generating a successful payment certificate;
if the receivables information matches the consumption information, a successful payment credential may be generated.
S204, generating a wrong payment voucher;
if the receivables information does not match the consumption information, a wrong payment credential may be generated, which may include an amount of more payment by the payer, an amount of less payment by the payer, or the like.
In addition, the embodiment can also judge the condition of the wrong payment, if the payer pays more, the amount of the more payment can be returned to the account paid by the payer, if the payer pays less, the less payment reminder can be generated and sent to the payment end and the collection end to inform the collection end of the wrong payment, and the payer of the payer is reminded to pay off the residual fee.
S205, generating a payment failure prompt to prompt a payer at a payment end to pay again;
if the account information is not acquired in the preset time period, it indicates that the payment may fail due to a network or the like, and at this time, a payment failure prompt may be generated to prompt a payer at the payment end to re-pay, and it should be noted that, in order to ensure payment security, in this embodiment, re-payment needs to re-acquire the identification information sent by the payment end, and re-send payment information to the payment end.
S206, if the account information is acquired after the preset time period is exceeded, acquiring an account arrival path and an account arrival amount of the account information;
it should be noted that if the payment fails due to the network or the like, the payment may continue until the network is recovered, which may cause repeated payment and economic loss to the payer. In this embodiment, if the account information exceeds the preset time period, the payment may be considered as failed, and an account arrival path and an account arrival amount in the account information may be acquired.
And S207, returning the account amount according to the account path.
And after the account arrival path and the account arrival amount in the account arrival information are obtained, returning the account arrival amount to the original payment account of the payer according to the account arrival path.
The electronic payment method comprises the steps of setting a preset time period for payment, if the payment information of the payment terminal is received in the preset time period, determining that the payer pays the fee, judging whether the fee paid by the payer is correct or not, if so, generating a successful payment certificate, and if the payment is wrong, generating an incorrect payment certificate; if the account information is not received within the preset time period, the payment failure is represented, and a failure prompt can be generated to prompt the payer to pay again. And if the account information is acquired outside the preset time period, returning the amount paid this time in the original way. The technical scheme of the embodiment can effectively avoid the situations of wrong payment, missed payment and re-payment of the payment end, and avoids the loss of a payee and a payer.
In order to be more comprehensive, the application also provides an electronic payment device corresponding to the electronic payment method provided by the embodiment of the invention. Fig. 3 is a structural diagram of an electronic payment apparatus according to an embodiment of the present invention, and as shown in fig. 3, the electronic payment apparatus according to this embodiment may include an obtaining module 11, a storage module 12, a receiving module 13, and a confirmation module 14;
the acquisition module 11 is configured to acquire pre-associated identification information and payment information sent by a payee;
a storage module 12 for storing the identification information and the payment information in a preset database;
the receiving module 13 is configured to receive identification information sent by the payment end, where the identification information sent by the payment end is extracted from broadcast information sent by the payment end from the payment end, and the broadcast information includes bluetooth broadcast information and/or WIFI hotspot broadcast information;
and the confirming module 14 is used for confirming the payment information associated with the identification information in the database so that the payment terminal pays according to the payment information.
The electronic payment device of the invention obtains pre-associated identification information and payment information sent by a receiving end through an obtaining module 11; the storage module 12 stores the identification information and the payment information in a preset database; the receiving module 13 receives the identification information sent by the payment end, wherein the identification information sent by the payment end is extracted from the broadcast information sent by the collection end by the payment end; the confirming module 14 confirms the payment information associated with the identification information in the database, so that the payment terminal pays according to the payment information, remote payment based on broadcast information is realized, a payer does not need to scan the two-dimensional code, the payer does not need to place payment equipment near collection equipment, quick payment can be realized when a plurality of people exist, and the payment efficiency is high.
With regard to the apparatus in the above-described embodiment, the specific manner in which each module performs the operation has been described in detail in the embodiment related to the method, and will not be elaborated here.
Fig. 4 is a structural diagram provided in a second embodiment of the electronic payment apparatus of the present invention, and the electronic payment apparatus of the present embodiment further describes the technical solution of the present invention in more detail on the basis of the embodiment of fig. 3.
As shown in fig. 4, the electronic payment apparatus of the present embodiment further includes a judging module 15 and a generating module 16;
the judging module 15 is used for judging whether the account information paid by the payment terminal is received within a preset time period;
the generating module 16 is configured to generate a payment credential corresponding to the payment terminal if the account information is acquired within a preset time period; and if the account information is not acquired in the preset time period, generating a payment failure prompt to prompt the payer at the payment end to pay again.
Further, the payment credentials of the present embodiment include successful payment credentials and erroneous payment credentials;
a generating module 16, specifically configured to obtain consumption information of the payer; judging whether the account information is matched with the consumption information; if the account information is matched with the consumption information, generating a successful payment voucher; and if the account information is not matched with the consumption information, generating a wrong payment certificate.
The electronic payment device of the embodiment further comprises a return module 17;
the obtaining module 11 is further configured to obtain the account arrival information if the preset time period is exceeded, and obtain an account arrival path and an account arrival amount of the account arrival information;
and the returning module 17 is used for returning the account amount according to the account path.
The electronic payment device of this embodiment may preset a preset time period for payment, and if the determining module 15 determines that the received account information paid by the payment terminal is received within the preset time period, it determines that the payer pays the fee, and may determine whether the fee paid by the payer is correct, if so, the generating module 16 may generate a successful payment certificate, and if the payment is wrong, the generating module 16 may generate a wrong payment certificate; if the account information is not received within the preset time period, the payment is failed, and the generation module 16 may generate a failure prompt to prompt the payer to pay again. If the account information is acquired outside the preset time period, the returning module 17 returns the amount paid this time in the original way. The technical scheme of the embodiment can effectively avoid the situations of wrong payment, missed payment and re-payment of the payment end, and avoids the loss of a payee and a payer.
With regard to the apparatus in the above-described embodiment, the specific manner in which each module performs the operation has been described in detail in the embodiment related to the method, and will not be elaborated here.
Fig. 5 is a block diagram provided by an embodiment of the electronic payment device of the present invention. In order to be more comprehensive, the application also provides electronic payment equipment corresponding to the electronic payment method provided by the embodiment of the invention.
As shown in fig. 5, the electronic payment device of the present embodiment includes a processor 21 and a memory 22, where the processor 21 is connected to the memory 22, and the processor 21 is configured to call and execute a program stored in the memory 22, and the memory 22 is configured to store the program, and the program is at least used in the electronic payment method of the above embodiment.
It is understood that the same or similar parts in the above embodiments may be mutually referred to, and the same or similar parts in other embodiments may be referred to for the content which is not described in detail in some embodiments.
It should be noted that the terms "first," "second," and the like in the description of the present invention are used for descriptive purposes only and are not to be construed as indicating or implying relative importance. Further, in the description of the present invention, the meaning of "a plurality" means at least two unless otherwise specified.
Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing specific logical functions or steps of the process, and alternate implementations are included within the scope of the preferred embodiment of the present invention in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the present invention.
It should be understood that portions of the present invention may be implemented in hardware, software, firmware, or a combination thereof. In the above embodiments, the various steps or methods may be implemented in software or firmware stored in memory and executed by a suitable instruction execution system. For example, if implemented in hardware, as in another embodiment, any one or combination of the following techniques, which are known in the art, may be used: a discrete logic circuit having a logic gate circuit for implementing a logic function on a data signal, an application specific integrated circuit having an appropriate combinational logic gate circuit, a Programmable Gate Array (PGA), a Field Programmable Gate Array (FPGA), or the like.
It will be understood by those skilled in the art that all or part of the steps carried by the method for implementing the above embodiments may be implemented by hardware related to instructions of a program, which may be stored in a computer readable storage medium, and when the program is executed, the program includes one or a combination of the steps of the method embodiments.
In addition, functional units in the embodiments of the present invention may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as an independent product, may also be stored in a storage medium readable by a mobile device such as a computer or a mobile phone.
The storage medium mentioned above may be a read-only memory, a magnetic or optical disk, etc.
In the description herein, references to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
Although embodiments of the present invention have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present invention, and that variations, modifications, substitutions and alterations can be made to the above embodiments by those of ordinary skill in the art within the scope of the present invention.
Claims (10)
1. An electronic payment method, comprising:
acquiring pre-associated identification information and payment information sent by a receiving end;
storing the identification information and the payment information in a preset database;
receiving the identification information sent by a payment end, wherein the identification information sent by the payment end is extracted from the broadcast information sent by the collection end by the payment end;
and confirming the payment information associated with the identification information in the database so that the payment terminal pays according to the payment information.
2. The electronic payment method of claim 1, further comprising:
judging whether the account information of the payment completed by the payment terminal is received within a preset time period;
if the account information is acquired within the preset time period, generating a payment voucher corresponding to the payment terminal;
and if the account information is not acquired within the preset time period, generating a payment failure prompt to prompt the payer at the payment end to pay again.
3. The electronic payment method of claim 2 wherein the payment credentials comprise a successful payment credential and an incorrect payment credential;
the generating of the payment certificate corresponding to the payment terminal comprises:
acquiring consumption information of the payer;
judging whether the account information is matched with the consumption information;
if the account information is matched with the consumption information, generating the successful payment voucher;
and if the account information is not matched with the consumption information, generating the wrong payment voucher.
4. The electronic payment method of claim 2, further comprising:
if the account arrival information is acquired in the preset time period, acquiring an account arrival path and an account arrival amount of the account arrival information;
and returning the account amount according to the account path.
5. The electronic payment method of claim 1 wherein the broadcast information comprises bluetooth broadcast information and/or WIFI hotspot broadcast information.
6. An electronic payment device, comprising:
the acquisition module is used for acquiring pre-associated identification information and payment information sent by the collection end;
the storage module is used for storing the identification information and the payment information in a preset database;
the receiving module is used for receiving the identification information sent by the payment end, wherein the identification information sent by the payment end is extracted from the broadcast information sent by the collection end by the payment end;
and the confirming module is used for confirming the payment information associated with the identification information in the database so as to enable the payment terminal to pay according to the payment information.
7. The electronic payment device of claim 6 further comprising a determination module and a generation module;
the judging module is used for judging whether the account information that the payment end completes payment is received within a preset time period;
the generating module is used for generating a payment voucher corresponding to the payment terminal if the account arrival information is acquired within the preset time period; and if the account information is not acquired within the preset time period, generating a payment failure prompt to prompt the payer at the payment end to pay again.
8. The electronic payment device of claim 7 wherein the payment credentials comprise a successful payment credential and an incorrect payment credential;
the generating module is specifically used for acquiring consumption information of the payer; judging whether the account information is matched with the consumption information; if the account information is matched with the consumption information, generating the successful payment voucher; and if the account information is not matched with the consumption information, generating the wrong payment voucher.
9. The electronic payment device of claim 7 further comprising a return module;
the obtaining module is further configured to obtain an account arrival path and an account arrival amount of the account arrival information if the account arrival information is obtained in the preset time period;
and the returning module is used for returning the account amount according to the account path.
10. An electronic payment device comprising a processor and a memory;
the processor is connected with the memory:
the processor is used for calling and executing the program stored in the memory;
the memory for storing the program for performing at least the electronic payment method of any one of claims 1-5.
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| CN201911145842.5A CN110930143A (en) | 2019-11-21 | 2019-11-21 | Electronic payment method, device and equipment |
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| CN201911145842.5A CN110930143A (en) | 2019-11-21 | 2019-11-21 | Electronic payment method, device and equipment |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113115228A (en) * | 2021-05-20 | 2021-07-13 | 中国银联股份有限公司 | Ultra-wideband-based service processing method and device |
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