CN111062713B - Payment system, method, server device, medium and device - Google Patents
Payment system, method, server device, medium and device Download PDFInfo
- Publication number
- CN111062713B CN111062713B CN201911166871.XA CN201911166871A CN111062713B CN 111062713 B CN111062713 B CN 111062713B CN 201911166871 A CN201911166871 A CN 201911166871A CN 111062713 B CN111062713 B CN 111062713B
- Authority
- CN
- China
- Prior art keywords
- payment
- information
- collection
- server device
- account
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
Abstract
This specification discloses a payment system, method, server device, medium, and apparatus, including: the payment system provided by the embodiment of the specification can be used for extracting the characteristic information of the two-dimensional codes for collecting money generated by different payment channels, and establishing the mapping relation between the unified collection account and the characteristic information of the two-dimensional codes in the payment system by using the payment system provided by the embodiment of the specification.
Description
Technical Field
The present description relates to the field of computer technologies, and in particular, to a payment system, method, server device, medium, and apparatus.
Background
The two-dimensional code is used as a new coding mode, uses a certain specific geometric figure according to a certain rule, and realizes the recording of data symbol information by distributing black and white figures on a plane (namely, in a two-dimensional direction). With the development of mobile internet technology, two-dimensional codes are widely applied to various fields as a brand-new information storage, transmission and identification technology. In practical application, different two-dimensional codes are generated by different payment channels according to the generation rule of the two-dimensional codes. Some two-dimensional codes can be used as payment codes for paying for others; still some two-dimensional codes can be used as cash register codes for realizing cash register from others and the like.
However, the embodiments of the present disclosure provide a payment system to improve the uniformity and convenience of the payment collection method.
Disclosure of Invention
In view of this, embodiments of the present specification provide a payment system, a payment method, a server device, a medium, and an apparatus, which are used to improve uniformity and convenience of a payment receiving manner.
The embodiment of the specification adopts the following technical scheme:
an embodiment of the present specification provides a payment system, including:
the first terminal equipment scans two-dimensional code information provided by a first object, extracts characteristic information corresponding to the two-dimensional code information from the two-dimensional code information, and sends the characteristic information to the first server equipment;
the first server device receives the characteristic information sent by the first terminal device, determines a collection account of the first object corresponding to the received characteristic information according to corresponding relations between different pre-stored characteristic information and collection accounts of different objects, generates payment information based on the collection account and payment amount, and sends the payment information to the first terminal device, wherein the payment information further comprises at least one payment channel;
the first terminal device receives the payment information sent by the first server device, selects one payment channel from the payment channels, carries the payment channel in payment confirmation information and sends the payment channel to the first server device;
the first server device receives the payment confirmation information sent by the first terminal device, generates a payment request according to the payment channel, the payment amount, the device identifier of the first terminal device and the collection account contained in the payment confirmation information, and sends the payment request to a second server device corresponding to the payment channel;
and the second server device receives the payment request sent by the first server device, determines a payment account according to the device identifier of the terminal device contained in the payment request, and pays the payment amount from the payment account to the collection account.
An embodiment of the present specification further provides a payment method, including:
receiving characteristic information sent by first terminal equipment, wherein the characteristic information is obtained by scanning two-dimensional code information provided by a first object by the first terminal equipment and extracting the two-dimensional code information;
determining a collection account of the first object corresponding to the received characteristic information according to corresponding relations between different prestored characteristic information and collection accounts of different objects;
generating payment information based on the collection account and the payment amount, and sending the payment information to the first terminal equipment, wherein the payment information also comprises at least one payment channel;
receiving the payment confirmation information sent by the first terminal device, wherein the payment confirmation information carries a payment channel selected by the first terminal device according to the payment channels contained in the payment information;
and generating a payment request according to the payment channel, the payment amount, the device identifier of the first terminal device and the collection account contained in the payment confirmation information, and sending the payment request to a second server device corresponding to the payment channel, so that the second server device determines a payment account according to the device identifier of the terminal device contained in the payment request and pays the payment amount from the payment account to the collection account under the condition that the second server device receives the payment request sent by the first server device.
An embodiment of the present specification further provides a server device, where the server device includes:
the receiving unit is used for receiving characteristic information sent by first terminal equipment, wherein the characteristic information is obtained by scanning two-dimensional code information provided by a first object by the first terminal equipment and extracting the two-dimensional code information;
the determining unit is used for determining the collection account of the first object corresponding to the received characteristic information according to the corresponding relation between the pre-stored different characteristic information and the collection accounts of different objects;
the sending unit is used for generating payment information based on the collection account and the payment amount and sending the payment information to the first terminal equipment, wherein the payment information also comprises at least one payment channel;
the receiving unit is used for receiving the payment confirmation information sent by the first terminal device, wherein the payment confirmation information carries a payment channel selected by the first terminal device according to the payment channels contained in the payment information;
and the payment processing unit generates a payment request according to the payment channel, the payment amount, the device identifier of the first terminal device and the collection account contained in the payment confirmation information, and sends the payment request to a second server device corresponding to the payment channel, so that the second server device determines a payment account according to the device identifier of the terminal device contained in the payment request under the condition that the second server device receives the payment request sent by the first server device, and pays the payment amount to the collection account from the payment account.
Embodiments of the present specification also provide a computer-readable storage medium having stored thereon computer program instructions, which when executed by a processor, implement the above-described payment method.
An embodiment of the present specification further provides a data processing apparatus, including: at least one processor, at least one memory, and computer program instructions stored in the memory that, when executed by the processor, implement the payment method described above.
The embodiment of the specification adopts at least one technical scheme which can achieve the following beneficial effects:
the technical scheme provided by the embodiment of the specification provides a payment system capable of being used for uniform collection, for merchant users with a large amount of collection business requirements, the payment system provided by the embodiment of the specification can be used for extracting the characteristic information of the two-dimensional code for collection generated by different payment channels, establishing a mapping relation between the unified collection account and the characteristic information of the two-dimension codes in the payment system, when the consumer user scans the two-dimension codes provided by the merchant user for collecting the money, the unified collection account of the merchant user can be determined based on the characteristic information of the two-dimension code and the pre-established mapping relation, the merchant user can collect payment amount paid by the consumer through different payment channels by using the unified collection account, the uniformity and convenience of collection are effectively improved, and the user experience of the user in collecting the two-dimension code is improved.
Drawings
The accompanying drawings, which are included to provide a further understanding of the specification and are incorporated in and constitute a part of this specification, illustrate embodiments of the specification and together with the description serve to explain the specification and not to limit the specification in a non-limiting sense. In the drawings:
fig. 1 is a schematic structural diagram of a payment system provided in an embodiment of the present disclosure;
fig. 2 is a schematic flow chart of a payment method provided in an embodiment of the present specification;
fig. 3 is a schematic structural diagram of a server device provided in an embodiment of the present specification;
fig. 4 is a schematic structural diagram of a server device provided in an embodiment of the present specification.
Detailed Description
With the development of mobile internet and internet financial technology, it is becoming more and more popular to complete payment transactions by using two-dimensional codes in practical applications. Different payment channels correspond to different two-dimensional code generation rules, and then different two-dimensional codes are generated based on the different two-dimensional code generation rules. This means that a two-dimensional code can only be identified in the same payment channel. For example: and the user cannot identify the two-dimensional code corresponding to the payment channel A through the client equipment supporting the payment channel B, and can only identify the two-dimensional code through the client equipment supporting the payment channel A so as to finish payment or collection. Therefore, for merchants engaged in production and operation activities, the two-dimension codes of different payment channels are generally required to be provided for consumers, so that the consumers can conveniently select the two-dimension codes suitable for the consumers to pay. But for the merchant, it may be necessary to maintain accounts for multiple payment channels, increasing the merchant's operating costs.
In order to solve the problems described in the present specification and achieve the objectives of the present specification, embodiments of the present specification provide a payment system, a method, a server device, a medium, and an apparatus, which can provide a payment system capable of being used for collecting money uniformly, for a merchant user with a large amount of money collection business requirements, the payment system provided in the embodiments of the present specification can be used to establish a mapping relationship between a uniform money collection account and feature information of two-dimensional codes in the payment system by extracting feature information of the two-dimensional codes for collecting money generated by different payment channels, and when a consumer user scans a two-dimensional code for collecting money provided by the merchant user, the uniform payment account of the merchant user can be determined based on the feature information of the two-dimensional codes and the pre-established mapping relationship, so that the merchant user can collect payment amount paid by the merchant user through different payment channels by using the uniform money collection account, the uniformity and the convenience of collection are effectively improved, and the user experience of the user for collection of the two-dimensional code is improved.
It should be noted that, different payment channels described in the embodiments of the present specification may be understood as payment channels provided by different organizations, for example: payment channels provided by different banks, payment channels provided by third-party payment platforms, and the like; but also the payment channels provided by the different payment platforms. For example: the bank system "Unionpay," Apple Pay by Apple Inc., and so on.
The two-dimensional code described in the embodiments of the present specification may be a cash register code having a cash register function; or an application code having a cash receiving function; other types of material codes with a money collection function are also possible, and the type is not particularly limited.
In the present embodiment, the term "first" in the term "first object" does not refer to any object or user but refers to any object or user in a broad sense, and "first" does not mean the first object.
The technical solutions in the present specification will be clearly and completely described below with reference to the specific embodiments of the present specification and the accompanying drawings. It is to be understood that the embodiments described are only a few embodiments of the present disclosure, and not all embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments in the present specification without any creative effort belong to the protection scope of the present specification.
The payment system provided by the embodiments of this specification includes an application client and a server device, where the application client includes, but is not limited to, two functions: the first function is provided for the production operator (or the merchant user), which in the embodiment of the present specification corresponds to the second terminal device; the second function is provided for the consumer to use, and corresponds to the first terminal device in the embodiment of the present specification. After downloading the application client, the user can select to use the application client according to the requirements of the user.
Specifically, the first function includes, but is not limited to: the characteristic values of the two-dimensional codes used for collecting money corresponding to different payment channels are extracted, the extracted characteristic values are sent to the server equipment, and the mapping relation between the set unified money collection account and the characteristic values of the two-dimensional codes is established and stored in the server equipment.
The second function includes but is not limited to: when a consumer initiates a payment at a certain shop, this means that a payment transaction occurs at the shop. At this time, a shop user provides a two-dimensional code for collecting money to a consumer, the consumer starts an application client recorded in the embodiment of the present specification in a terminal device, the two-dimensional code provided by the shop user is scanned by the application client, characteristic information of the two-dimensional code is analyzed and extracted, and the extracted characteristic information is sent to a server device, so that the server device determines a unified collection account corresponding to the shop user based on the characteristic information of the two-dimensional code, and the server device achieves the purpose of collecting payment amount through the unified collection account by the payment method recorded in the embodiment of the present specification.
The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.
Fig. 1 is a schematic structural diagram of a payment system provided in an embodiment of the present specification. The payment system includes: a first terminal device 101, a first server device 102 and a second server device 103, wherein:
the first terminal device 101 scans two-dimensional code information provided by a first object, extracts feature information corresponding to the two-dimensional code information from the two-dimensional code information, and sends the feature information to a first server device;
the first server device 102 is configured to receive the feature information sent by the first terminal device, determine a payment account of the first object corresponding to the received feature information according to a correspondence between different pre-stored feature information and payment accounts of different objects, generate payment information based on the payment account and a payment amount, and send the payment information to the first terminal device, where the payment information further includes at least one payment channel;
the first terminal device 101 receives the payment information sent by the first server device, selects one payment channel from the payment channels, and sends the payment channel carried in payment confirmation information to the first server device;
the first server device 102 receives the payment confirmation information sent by the first terminal device, generates a payment request according to the payment channel, the payment amount, the device identifier of the first terminal device and the payment receiving account included in the payment confirmation information, and sends the payment request to a second server device corresponding to the payment channel;
the second server device 103 receives the payment request sent by the first server device, determines a payment account according to the device identifier of the terminal device included in the payment request, and pays the payment amount from the payment account to the collection account.
The present specification also provides another embodiment, in which the payment system further includes: a second terminal device 104, wherein:
the second terminal device 104 is configured to scan at least one two-dimensional code for collection provided by the first object, extract characteristic information corresponding to the two-dimensional code, carry the characteristic information in collection information, and send the collection information to the first server device;
the first server device 102 receives the payment information sent by the second terminal device, determines a payment account of the first object, and establishes and stores a corresponding relationship between the characteristic information and the payment account.
In another embodiment, the second terminal device 104 receives the registration information sent by the first server device, loads and displays the registration information, and prompts the first object to input user information, where the user information includes payment account information for collecting money; sending the user information input by the first object to the first server device;
the first server device 102 receives and stores the user information sent by the second terminal device; and determining a collection account of the first object according to the stored user information.
In another embodiment, the first server device 102 generates a payment page based on the collection account and the payment amount, and sends the payment page to the first terminal device, where the payment page further includes at least one payment channel;
the first terminal device 101 receives, loads and displays a payment page sent by the first server device, and prompts a user to select a payment channel based on the payment page; and according to the payment channel selected by the user, carrying the payment channel in payment confirmation information and sending the payment channel to the first server equipment.
In another embodiment, when receiving the payment request sent by the first server device, the second server device 103 searches, according to the device identifier of the terminal device included in the payment request, a payment account corresponding to the device identifier, generates a payment page, and sends the payment page to the first server device;
the first server device 102, receiving the payment page, and sending the payment page to the first terminal device;
the first terminal device 101 receives, loads and displays the payment page, and prompts the user to input payment authorization information, so that the second server device establishes a transfer channel between the payment account and the collection account when receiving the payment authorization information, and pays the payment amount from the payment account to the collection account through the transfer channel.
Through the technical scheme provided by the embodiment of the specification, the payment system capable of being used for uniformly collecting money is provided, for merchant users with a large amount of collection business requirements, the payment system provided by the embodiment of the specification can be used for extracting the characteristic information of the two-dimensional code for collection generated by different payment channels, establishing a mapping relation between the unified collection account and the characteristic information of the two-dimension codes in the payment system, when the consumer user scans the two-dimension codes provided by the merchant user for collecting the money, the unified collection account of the merchant user can be determined based on the characteristic information of the two-dimension code and the pre-established mapping relation, the merchant user can collect payment amount paid by the consumer through different payment channels by using the unified collection account, the uniformity and convenience of collection are effectively improved, and the user experience of the user in collecting the two-dimension code is improved.
Fig. 2 is a schematic flowchart of a payment method provided in an embodiment of the present disclosure. The method may be as follows.
Step 201: and the second terminal equipment scans the two-dimensional code for collecting money provided by the first object through the second acquisition interface.
The application client provided in the embodiments of the present specification sets the acquisition interface, and the acquisition interface described herein may correspond to an input port of hardware, or may correspond to an input port for implementing a function through software, for example: a "sweep" function port, etc. The acquisition interface can have the function of scanning the two-dimensional code (or the small program code), can also have the function of scanning and identifying the two-dimensional code (or the small program code), and can also have other functions and the like. The manner shown in fig. 2 in the embodiment of this specification is to illustrate that the acquisition interface has scanning and recognition functions. In the present embodiment, the terms "first" and "second" in the "first acquisition interface" and "second acquisition interface" do not have any special meaning, and are used to indicate only different interfaces, meaning that the different interfaces have different functions. In the embodiment of the present specification, the first acquisition interface and the second acquisition interface are functionally different in that: the second acquisition interface can trigger the server device to perform a mapping relationship establishment operation after scanning the two-dimensional code, for example: the second acquisition interface is a code scanning binding interface; first collection interface can trigger payment after scanning the two-dimensional code, realizes unified collection of money, for example: the first acquisition interface is a code scanning payment interface.
The first object described in the embodiments of the present specification downloads and installs the application client in the terminal device used, and after the application client is started to operate, a second acquisition interface provided by the application client is used to scan a plurality of different two-dimensional codes, where the two-dimensional codes have a cash collection function.
The different two-dimensional codes recorded in the method can be understood as two-dimensional codes corresponding to different payment channels, that is, for one two-dimensional code, collection of money can be realized through the payment channel corresponding to the two-dimensional code; and different two-dimensional codes correspond to different payment channels.
For example: the two-dimensional code 1 for collecting money corresponding to the payment channel A shows that the collection account contained in the two-dimensional code 1 can collect money through the payment mode set by the payment channel A; the two-dimensional code 2 used for collecting money corresponding to the payment channel B shows that the money collection account contained in the two-dimensional code 2 can realize the money collection through the payment mode set by the payment channel B; … … are provided. Then in this specification embodiment the first object may generate different two-dimensional codes for collection based on different payment platforms. For example: two-dimensional code 1 and two-dimensional code 2. Then in step 201, the first object may scan the two-dimensional code 1 and the two-dimensional code 2 respectively by running a second acquisition interface provided by the application client described in the embodiments of the present specification.
Step 203: and the second terminal equipment extracts the characteristic information of the two-dimensional code.
In this embodiment, the application client may send the scanned two-dimensional code to the server device, and the server device identifies the two-dimensional code; the two-dimensional code may also be identified when scanned, and the main body of the two-dimensional code is not particularly limited herein.
The ways to identify the two-dimensional code include, but are not limited to: and analyzing the two-dimensional code and extracting the characteristic information of the two-dimensional code.
Characteristic values here include, but are not limited to: code value of a cash register code, user information, and the like. The specific implementation manner used in the embodiment of the present specification to extract the feature information of the two-dimensional code may be an existing implementation manner in the prior art, or may be another implementation manner, as long as the feature information of the two-dimensional code can be obtained, and the specific implementation manner of the two-dimensional code extraction is not described in detail here.
Step 205: and the second terminal equipment carries the characteristic information in the collection information and sends the collection information to the first server equipment.
Step 207: the first server device determines a payment account of the first object in case of receiving the payment information.
In an embodiment provided in this specification, the first server device searches for stored collection account information of the first object according to the received collection information, and determines a collection account of the first object according to the collection account information.
Specifically, after the application client is installed, the first object may receive, by the second terminal device, registration information sent by the first server device, and the second terminal device, in a case where the registration information is received, loads and displays the registration information, and prompts the first object to input user information, where the user information includes payment account information for collecting money; sending the user information input by the first object to the first server device; the first server equipment receives and stores the user information sent by the second terminal equipment; and determining a collection account of the first object according to the stored user information.
It should be noted that the registration on the application client is implemented by a registration page provided by the application client. The registration function is similar to the registration function described in the prior art, and detailed description of specific implementation is omitted. The difference is that the registration page may include a uniform payment account setting item, that is, the first object inputs an account in the uniform payment account setting item, so that the account user can implement uniform payment. In addition, the application client can also send the registration information to the server device under the condition of receiving the registration information input by the first object, and the server device configures a uniform collection account for the first object, wherein the uniform collection account is used for realizing uniform collection.
Step 209: the first server device establishes and stores a corresponding relationship between the characteristic information and the collection account.
In the embodiment of the specification, one payment account of one merchant can correspond to the characteristic information of a plurality of two-dimensional codes, so that the merchant can conveniently realize the purpose of uniform payment through the method provided by the specification.
In this embodiment of the present specification, if a merchant needs to view such a corresponding relationship established by the server device, the application client may obtain such a corresponding relationship from the server device, so that the merchant can view the bound two-dimensional code information locally. The first object can be flexibly deleted or added based on the displayed two-dimensional code information.
In the embodiment provided by the present specification, the merchant user establishes the relationship between the two-dimensional code for receiving payment and the payment account for collecting payment in a unified manner, so that the merchant user can use the relationship to realize unified payment collection in the production and operation activities.
Step 211: the first terminal equipment scans two-dimensional code information provided by a first object, extracts feature information corresponding to the two-dimensional code information from the two-dimensional code information, and sends the feature information to the first server equipment.
In this embodiment, in a case where a user as a consumer needs to pay a fee to a merchant user once a consumption behavior is generated in a store provided by the merchant user, an application client installed on a used mobile device may be started, and a two-dimensional code provided by the merchant user (for example, a first object described in this embodiment) for collection may be scanned through a first collection interface provided by the application client. The two-dimensional code provided by the first object for collecting money can be a plurality of two-dimensional codes or one two-dimensional code. As to which two-dimensional code the consumer user scans can be selected by himself, there is only one two-dimensional code the consumer user scans.
Step 213: the first server device receives the characteristic information sent by the first terminal device, and determines the collection account of the first object corresponding to the received characteristic information according to the corresponding relation between the different pre-stored characteristic information and the collection accounts of different objects.
In the present illustrative embodiment, the first server apparatus, upon receiving the feature information, retrieves whether or not there is a correspondence relation relating to the feature information based on the feature information. If the corresponding relation exists, determining a collection account of the first object; if the correspondence does not exist, it means that the payment receiving account of the first object cannot be determined, and at this time, the first server device may send a payment failure message to the first terminal device.
Step 215: and the first server equipment generates payment information based on the collection account and the payment amount, and sends the payment information to the first terminal equipment, wherein the payment information also comprises at least one payment channel.
In an embodiment of this specification, the first server device generates a payment page based on the collection account and the payment amount, and sends the payment page to the first terminal device, where the payment page further includes at least one payment channel.
Step 217: the first terminal device receives the payment information sent by the first server device, selects one payment channel from the payment channels, and sends the payment channel carried in payment confirmation information to the first server device.
In an embodiment of the present specification, the first terminal device receives, loads, and displays a payment page sent by the first server device, and prompts a user to select a payment channel based on the payment page; and according to the payment channel selected by the user, carrying the payment channel in payment confirmation information and sending the payment channel to the first server equipment.
For example: the first server device may include a plurality of payment channels in the payment page such that the consumer user may select one of the plurality of payment channels.
It should be noted that the server device may further display a payment channel corresponding to the two-dimensional code scanned by the first terminal device in the payment page, and if the payment channel corresponding to the scanned two-dimensional code is "WeChat payment" and the payment channel selected by the user is also "WeChat payment", the subsequently determined second server device is a server device corresponding to "WeChat payment"; if the payment channel corresponding to the scanned two-dimensional code is 'WeChat payment' and the payment channel selected by the user is 'Paibao payment', the subsequently determined second server device is the server device corresponding to the 'Paibao payment'.
Step 219: the first server device receives the payment confirmation information sent by the first terminal device, generates a payment request according to the payment channel, the payment amount, the device identification of the first terminal device and the collection account contained in the payment confirmation information, and sends the payment request to a second server device corresponding to the payment channel.
Step 221: and the second server equipment receives the payment request sent by the first server equipment, determines a payment account according to the equipment identification of the terminal equipment contained in the payment request, and pays the payment amount from the payment account to the collection account.
In an embodiment of this specification, in a case where a payment request sent by the first server device is received, the second server device searches a payment account corresponding to the device identifier according to the device identifier of the terminal device included in the payment request, generates a payment page, and sends the payment page to the first server device;
the first server equipment receives the payment page and sends the payment page to the first terminal equipment; the first terminal device receives, loads and displays the payment page, prompts the user to input payment authorization information, so that the second server device establishes a transfer channel between the payment account and the collection account under the condition of receiving the payment authorization information, and pays the payment amount from the payment account to the collection account through the transfer channel.
Through the technical scheme provided by the embodiment of the specification, the payment system capable of being used for uniformly collecting money is provided, for merchant users with a large amount of collection business requirements, the payment system provided by the embodiment of the specification can be used for extracting the characteristic information of the two-dimensional code for collection generated by different payment channels, establishing a mapping relation between the unified collection account and the characteristic information of the two-dimension codes in the payment system, when the consumer user scans the two-dimension codes provided by the merchant user for collecting the money, the unified collection account of the merchant user can be determined based on the characteristic information of the two-dimension code and the pre-established mapping relation, the merchant user can collect payment amount paid by the consumer through different payment channels by using the unified collection account, the uniformity and convenience of collection are effectively improved, and the user experience of the user in collecting the two-dimension code is improved.
Based on the same inventive concept, fig. 3 is a schematic structural diagram of a server device provided in an embodiment of this specification. The server device includes: a receiving unit 301, a determining unit 302, a transmitting unit 303 and a payment processing unit 304, wherein:
a receiving unit 301, configured to receive feature information sent by a first terminal device, where the feature information is obtained by scanning, by the first terminal device, two-dimensional code information provided by a first object and extracting the two-dimensional code information from the two-dimensional code information;
the determining unit 302 is configured to determine, according to correspondence between different pre-stored characteristic information and payment receiving accounts of different objects, a payment receiving account of the first object corresponding to the characteristic information;
a sending unit 303, configured to generate payment information based on the collection account and the payment amount, and send the payment information to the first terminal device, where the payment information further includes at least one payment channel;
the receiving unit 301 is configured to receive the payment confirmation information sent by the first terminal device, where the payment confirmation information carries a payment channel selected by the first terminal device according to the payment channel included in the payment information;
the payment processing unit 304 generates a payment request according to the payment channel, the payment amount, the device identifier of the first terminal device, and the payment account included in the payment confirmation information, and sends the payment request to a second server device corresponding to the payment channel, so that the second server device determines a payment account according to the device identifier of the terminal device included in the payment request when receiving the payment request sent by the first server device, and pays the payment amount from the payment account to the payment account.
In another embodiment provided in this specification, the correspondence between different feature information and different payment receiving accounts of the objects, which is stored in advance by the determining unit 302, includes:
receiving collection information sent by a second terminal device, wherein the collection information comprises at least one two-dimensional code for collection provided by a first object scanned by the second terminal device and characteristic information corresponding to the two-dimensional code is extracted;
and determining a collection account of the first object, and establishing and storing a corresponding relation between the characteristic information and the collection account.
It should be noted that the server device provided in the embodiment of the present disclosure may be implemented by software, or may be implemented by hardware, and is not limited specifically herein. In embodiments of the present description, a payment system is provided that can be used for uniform collection of funds, for merchant users who have a high volume collection service requirement, the payment system provided by the embodiment of the specification can be utilized to extract the characteristic information of the two-dimensional code for payment generated by different payment channels, establishing a mapping relation between the unified collection account and the characteristic information of the two-dimension codes in the payment system, when the consumer user scans the two-dimension codes provided by the merchant user for collecting the money, the unified collection account of the merchant user can be determined based on the characteristic information of the two-dimension code and the pre-established mapping relation, the merchant user can collect payment amount paid by the consumer through different payment channels by using the unified collection account, the uniformity and convenience of collection are effectively improved, and the user experience of the user in collecting the two-dimension code is improved.
In addition, in combination with the payment method in the above embodiments, the embodiments of the present specification may be implemented by providing a computer-readable storage medium. The computer readable storage medium having stored thereon computer program instructions; the computer program instructions, when executed by a processor, implement any of the payment methods of the above embodiments.
Fig. 4 shows a hardware structure diagram of a server device provided in an embodiment of the present specification.
The server device may include a processor 401 and a memory 402 storing computer program instructions.
Specifically, the processor 401 may include a Central Processing Unit (CPU), or an Application Specific Integrated Circuit (ASIC), or may be configured to implement one or more Integrated circuits of the embodiments of the present specification.
The processor 401 may implement any of the payment methods described in the above embodiments by reading and executing computer program instructions stored in the memory 402.
In one example, the server device may also include a communication interface 403 and a bus 410. As shown in fig. 4, the processor 401, the memory 402, and the communication interface 403 are connected via a bus 410 to complete communication therebetween.
The communication interface 403 is mainly used for implementing communication between modules, apparatuses, units and/or devices in this specification.
By the method and the device provided by the embodiment of the specification, the payment system capable of being used for uniform collection is provided, for merchant users with a large amount of collection business requirements, the payment system provided by the embodiment of the specification can be used for extracting the characteristic information of the two-dimensional code for collection generated by different payment channels, establishing a mapping relation between the unified collection account and the characteristic information of the two-dimension codes in the payment system, when the consumer user scans the two-dimension codes provided by the merchant user for collecting the money, the unified collection account of the merchant user can be determined based on the characteristic information of the two-dimension code and the pre-established mapping relation, the merchant user can collect payment amount paid by the consumer through different payment channels by using the unified collection account, the uniformity and convenience of collection are effectively improved, and the user experience of the user in collecting the two-dimension code is improved.
In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.
The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the various elements may be implemented in the same one or more software and/or hardware implementations of the present description.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the specification. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
This description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
The above description is only an example of the present specification, and is not intended to limit the present specification. Various modifications and alterations to this description will become apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present specification should be included in the scope of the claims of the present specification.
Claims (10)
1. A payment system, comprising:
the first terminal equipment scans two-dimensional code information provided by a first object, extracts characteristic information corresponding to the two-dimensional code information from the two-dimensional code information, and sends the characteristic information to the first server equipment;
the first server device receives the characteristic information sent by the first terminal device, determines a collection account of the first object corresponding to the received characteristic information according to corresponding relations between different pre-stored characteristic information and collection accounts of different objects, generates payment information based on the collection account and payment amount, and sends the payment information to the first terminal device, wherein the payment information further comprises at least one payment channel; in the corresponding relation, the collection account of the first object corresponds to the characteristic information of the two-dimensional code for collecting the money generated by different payment channels; the collection account of the first object collects money through any one of the at least one payment channel;
the first terminal device receives the payment information sent by the first server device, selects one payment channel from the payment channels, carries the payment channel in payment confirmation information and sends the payment channel to the first server device;
the first server device receives the payment confirmation information sent by the first terminal device, generates a payment request according to the payment channel, the payment amount, the device identifier of the first terminal device and the collection account contained in the payment confirmation information, and sends the payment request to a second server device corresponding to the payment channel;
and the second server device receives the payment request sent by the first server device, determines a payment account according to the device identifier of the terminal device contained in the payment request, and pays the payment amount from the payment account to the collection account.
2. The payment system of claim 1, further comprising:
the second terminal equipment scans at least one two-dimensional code for collecting money provided by the first object, extracts characteristic information corresponding to the two-dimensional code, carries the characteristic information in collection information and sends the collection information to the first server equipment;
the first server device receives the collection information sent by the second terminal device, determines a collection account of the first object, and establishes and stores a corresponding relationship between the characteristic information and the collection account.
3. The payment system as recited in claim 2,
the second terminal device receives the registration information sent by the first server device, loads and displays the registration information, and prompts the first object to input user information, wherein the user information comprises collection account information used for collecting money; sending the user information input by the first object to the first server device;
the first server device receives and stores the user information sent by the second terminal device; and determining a collection account of the first object according to the stored user information.
4. Payment system according to any one of claims 1 to 3,
the first server device generates a payment page based on the collection account and the payment amount, and sends the payment page to the first terminal device, wherein the payment page further comprises at least one payment channel;
the first terminal equipment receives, loads and displays a payment page sent by the first server equipment, and prompts a user to select a payment channel based on the payment page; and according to the payment channel selected by the user, carrying the payment channel in payment confirmation information and sending the payment channel to the first server equipment.
5. Payment system according to any one of claims 1 to 3,
the second server device, upon receiving the payment request sent by the first server device, searches a payment account corresponding to the device identifier according to the device identifier of the terminal device included in the payment request, generates a payment page, and sends the payment page to the first server device;
the first server equipment receives the payment page and sends the payment page to the first terminal equipment;
the first terminal device receives, loads and displays the payment page, prompts the user to input payment authorization information, so that the second server device establishes a transfer channel between the payment account and the collection account under the condition of receiving the payment authorization information, and pays the payment amount from the payment account to the collection account through the transfer channel.
6. A payment method, comprising:
receiving characteristic information sent by first terminal equipment, wherein the characteristic information is obtained by scanning two-dimensional code information provided by a first object by the first terminal equipment and extracting the two-dimensional code information;
determining a collection account of the first object corresponding to the received characteristic information according to corresponding relations between different prestored characteristic information and collection accounts of different objects;
generating payment information based on the collection account and the payment amount, and sending the payment information to the first terminal equipment, wherein the payment information also comprises at least one payment channel; in the corresponding relation, the collection account of the first object corresponds to the characteristic information of the two-dimensional code for collecting the money generated by different payment channels; the collection account of the first object collects money through any one of the at least one payment channel;
receiving the payment confirmation information sent by the first terminal device, wherein the payment confirmation information carries a payment channel selected by the first terminal device according to the payment channels contained in the payment information;
and generating a payment request according to the payment channel, the payment amount, the device identifier of the first terminal device and the collection account contained in the payment confirmation information, and sending the payment request to a second server device corresponding to the payment channel, so that the second server device determines a payment account according to the device identifier of the terminal device contained in the payment request and pays the payment amount from the payment account to the collection account under the condition that the second server device receives the payment request sent by the first server device.
7. The payment method according to claim 6, wherein the pre-stored correspondence between different characteristic information and different payment receiving accounts of the objects comprises:
receiving collection information sent by a second terminal device, wherein the collection information comprises at least one two-dimensional code for collection provided by a first object scanned by the second terminal device and characteristic information corresponding to the two-dimensional code is extracted;
and determining a collection account of the first object, and establishing and storing a corresponding relation between the characteristic information and the collection account.
8. A server device, the server device comprising:
the receiving unit is used for receiving characteristic information sent by first terminal equipment, wherein the characteristic information is obtained by scanning two-dimensional code information provided by a first object by the first terminal equipment and extracting the two-dimensional code information;
the determining unit is used for determining the collection account of the first object corresponding to the received characteristic information according to the corresponding relation between the pre-stored different characteristic information and the collection accounts of different objects;
the sending unit is used for generating payment information based on the collection account and the payment amount and sending the payment information to the first terminal equipment, wherein the payment information also comprises at least one payment channel; in the corresponding relation, the collection account of the first object corresponds to the characteristic information of the two-dimensional code for collecting the money generated by different payment channels; the collection account of the first object collects money through any one of the at least one payment channel;
the receiving unit is used for receiving the payment confirmation information sent by the first terminal device, wherein the payment confirmation information carries a payment channel selected by the first terminal device according to the payment channels contained in the payment information;
and the payment processing unit generates a payment request according to the payment channel, the payment amount, the device identifier of the first terminal device and the collection account contained in the payment confirmation information, and sends the payment request to a second server device corresponding to the payment channel, so that the second server device determines a payment account according to the device identifier of the terminal device contained in the payment request under the condition that the second server device receives the payment request sent by the first server device, and pays the payment amount to the collection account from the payment account.
9. A computer readable storage medium having computer program instructions stored thereon which, when executed by a processor, implement a payment method as claimed in any one of claims 6 to 7.
10. A data processing apparatus, comprising: at least one processor, at least one memory, and computer program instructions stored in the memory that, when executed by the processor, implement a payment method as recited in any one of claims 6 to 7.
Priority Applications (4)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111082272.7A CN113657886B (en) | 2019-11-25 | 2019-11-25 | Payment system, method, server device, medium and device |
| CN201911166871.XA CN111062713B (en) | 2019-11-25 | 2019-11-25 | Payment system, method, server device, medium and device |
| TW109115322A TWI772794B (en) | 2019-11-25 | 2020-05-08 | Payment system, method, server apparatus, medium and device |
| PCT/CN2020/111492 WO2021103694A1 (en) | 2019-11-25 | 2020-08-26 | Payment system and method, server device, medium and apparatus |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911166871.XA CN111062713B (en) | 2019-11-25 | 2019-11-25 | Payment system, method, server device, medium and device |
Related Child Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202111082272.7A Division CN113657886B (en) | 2019-11-25 | 2019-11-25 | Payment system, method, server device, medium and device |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN111062713A CN111062713A (en) | 2020-04-24 |
| CN111062713B true CN111062713B (en) | 2021-07-23 |
Family
ID=70298658
Family Applications (2)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201911166871.XA Active CN111062713B (en) | 2019-11-25 | 2019-11-25 | Payment system, method, server device, medium and device |
| CN202111082272.7A Active CN113657886B (en) | 2019-11-25 | 2019-11-25 | Payment system, method, server device, medium and device |
Family Applications After (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202111082272.7A Active CN113657886B (en) | 2019-11-25 | 2019-11-25 | Payment system, method, server device, medium and device |
Country Status (3)
| Country | Link |
|---|---|
| CN (2) | CN111062713B (en) |
| TW (1) | TWI772794B (en) |
| WO (1) | WO2021103694A1 (en) |
Families Citing this family (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111062713B (en) * | 2019-11-25 | 2021-07-23 | 支付宝(杭州)信息技术有限公司 | Payment system, method, server device, medium and device |
| CN111639927A (en) * | 2020-05-25 | 2020-09-08 | 上海中通吉网络技术有限公司 | Method and system for collecting money of network cashier desk |
| CN111784481B (en) * | 2020-08-03 | 2023-08-08 | 支付宝（中国）网络技术有限公司 | Code scanning ordering method, service code creating method, device and electronic equipment |
| CN112215599A (en) * | 2020-09-16 | 2021-01-12 | 湖南三湘银行股份有限公司 | Financial receipt and payment method and device with two-dimensional code as carrier |
| CN112308559A (en) * | 2020-11-06 | 2021-02-02 | 北京绿善心星球网络科技开发有限公司 | Two-dimensional code management method and device, storage medium and electronic equipment |
| CN112465497A (en) * | 2020-11-26 | 2021-03-09 | 维沃移动通信有限公司 | Payment method, payment device, electronic equipment and medium |
| CN113435880B (en) * | 2021-07-12 | 2023-06-30 | 支付宝（中国）网络技术有限公司 | Payment page sending method, device, equipment and medium based on aggregation code |
| CN114169881B (en) * | 2021-12-07 | 2023-04-07 | 钻技(上海)信息科技有限公司 | Two-dimensional code collection and broadcast system and method |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104463574A (en) * | 2014-11-11 | 2015-03-25 | 北京橙鑫数据科技有限公司 | Payment method, payment platform and terminal |
| CN106600269A (en) * | 2016-12-28 | 2017-04-26 | 中国民生银行股份有限公司 | Paying method and platform based on two-dimensional barcode |
| CN109583880A (en) * | 2018-12-05 | 2019-04-05 | 深圳市爱贝信息技术有限公司 | Cross-platform communication means and device and method of payment and device |
| US20190259021A1 (en) * | 2017-01-03 | 2019-08-22 | Alibaba Group Holding Limited | Scan and pay method and device utilized in mobile apparatus |
Family Cites Families (14)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CA2724297C (en) * | 2010-12-14 | 2013-11-12 | Xtreme Mobility Inc. | System and method for authenticating transactions through a mobile device |
| US10467689B2 (en) * | 2014-05-20 | 2019-11-05 | Paypal, Inc. | Unified payment account establishment and incorporation in a main payment account |
| CN105989486A (en) * | 2015-02-15 | 2016-10-05 | 广州市动景计算机科技有限公司 | Payment security processing method, device and system |
| CN105701659A (en) * | 2016-03-11 | 2016-06-22 | 广州云移信息科技有限公司 | Two-dimensional code-based network payment method and system |
| CN106651341A (en) * | 2016-09-27 | 2017-05-10 | 北京小米移动软件有限公司 | On-line payment method and apparatus |
| CN106779666A (en) * | 2016-11-25 | 2017-05-31 | 武汉烽火信息服务有限公司 | Polymerization payment platform and method of payment |
| CN106611308B (en) * | 2016-12-27 | 2020-09-01 | 银联商务有限公司 | Order message processing system, order message processing method and device |
| CN107103461A (en) * | 2017-05-02 | 2017-08-29 | 广州市智专信息科技有限公司 | A kind of method of payment and corresponding portable terminal, POS |
| CN107346488A (en) * | 2017-06-21 | 2017-11-14 | 深圳市泰衡诺科技有限公司 | The method and apparatus that barcode scanning is paid |
| CN108171492B (en) * | 2018-01-12 | 2020-10-16 | 阿里巴巴集团控股有限公司 | Payment method, device and equipment |
| CN108564373A (en) * | 2018-03-16 | 2018-09-21 | 阿里巴巴集团控股有限公司 | Method of payment, device and equipment |
| WO2019221973A1 (en) * | 2018-05-15 | 2019-11-21 | Mastercard International Incorporated | Systems and methods for personalizing payment cards |
| CN109685485A (en) * | 2018-12-20 | 2019-04-26 | 阿里巴巴集团控股有限公司 | Method of payment, system, device and equipment |
| CN111062713B (en) * | 2019-11-25 | 2021-07-23 | 支付宝(杭州)信息技术有限公司 | Payment system, method, server device, medium and device |
-
2019
- 2019-11-25 CN CN201911166871.XA patent/CN111062713B/en active Active
- 2019-11-25 CN CN202111082272.7A patent/CN113657886B/en active Active
-
2020
- 2020-05-08 TW TW109115322A patent/TWI772794B/en active
- 2020-08-26 WO PCT/CN2020/111492 patent/WO2021103694A1/en active Application Filing
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104463574A (en) * | 2014-11-11 | 2015-03-25 | 北京橙鑫数据科技有限公司 | Payment method, payment platform and terminal |
| CN106600269A (en) * | 2016-12-28 | 2017-04-26 | 中国民生银行股份有限公司 | Paying method and platform based on two-dimensional barcode |
| US20190259021A1 (en) * | 2017-01-03 | 2019-08-22 | Alibaba Group Holding Limited | Scan and pay method and device utilized in mobile apparatus |
| CN109583880A (en) * | 2018-12-05 | 2019-04-05 | 深圳市爱贝信息技术有限公司 | Cross-platform communication means and device and method of payment and device |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2021103694A1 (en) | 2021-06-03 |
| CN113657886A (en) | 2021-11-16 |
| CN111062713A (en) | 2020-04-24 |
| TWI772794B (en) | 2022-08-01 |
| CN113657886B (en) | 2024-01-02 |
| TW202121287A (en) | 2021-06-01 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN111062713B (en) | Payment system, method, server device, medium and device | |
| CN109191110B (en) | Post-payment transaction data processing method, device, processing equipment and server | |
| CN109615366B (en) | Equipment payment method and device | |
| US11928669B2 (en) | Systems and methods for mobile wallet payments | |
| CA3065489C (en) | Systems and methods for real-time application configuration for nfc transactions | |
| CN109003071B (en) | Payment method, device and equipment | |
| EP3362968A1 (en) | Adaptable messaging | |
| CN113850587A (en) | Information display method, device and equipment | |
| WO2019245940A1 (en) | Systems and methods for managing third party tokens and transactions across issuer ecosystems | |
| Ruslan et al. | Qr code payment in indonesia and its application on mobile banking | |
| CN109120509B (en) | Information collection method and device | |
| US20190370768A1 (en) | System and method for billpay using credit-based products | |
| CN111192035A (en) | Multi-system consumption clearing configuration processing method and system | |
| CN112837053B (en) | Payment processing method and device | |
| CN113888161A (en) | Processing method, device and equipment for offline transaction | |
| CN109658239B (en) | Application function expansion method and device, request processing method and device | |
| CN109102381B (en) | Accounting processing method and device | |
| CN112596781A (en) | Service execution and service configuration method and device | |
| CN111340505A (en) | Payment method and device and electronic equipment | |
| US20190188714A1 (en) | Method for permitting a transaction indicating an amount that is less than a threshold amount | |
| US20230177498A1 (en) | Systems and methods for one-click payments | |
| US20210287194A1 (en) | Systems and methods for incentivizing the use of a payment mechanism | |
| CN113419794B (en) | Payment processing method and device | |
| CN113419793B (en) | Payment processing method and device | |
| CN113256284B (en) | Payment processing method and device |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| REG | Reference to a national code |
Ref country code: HK Ref legal event code: DE Ref document number: 40028945 Country of ref document: HK |
|
| GR01 | Patent grant | ||
| GR01 | Patent grant | ||
| TR01 | Transfer of patent right |
Effective date of registration: 20230113 Address after: 200120 Floor 15, No. 447, Nanquan North Road, China (Shanghai) Pilot Free Trade Zone, Pudong New Area, Shanghai Patentee after: Alipay.com Co.,Ltd. Address before: 310000 801-11 section B, 8th floor, 556 Xixi Road, Xihu District, Hangzhou City, Zhejiang Province Patentee before: Alipay (Hangzhou) Information Technology Co.,Ltd. |
|
| TR01 | Transfer of patent right |