CN111784317A

CN111784317A - Method and device for automatic payment

Info

Publication number: CN111784317A
Application number: CN202010568832.9A
Authority: CN
Inventors: 王旭
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2016-03-11
Filing date: 2016-03-11
Publication date: 2020-10-16
Also published as: CN107180343B; WO2017152787A1; CN107180343A; TW201732727A

Abstract

The application provides an automatic payment method and device, and the method comprises the following steps: acquiring a payment notification message for the instrument; collecting an image comprising current meter data for the meter; analyzing the image based on a dial plate analyzer corresponding to the instrument to obtain current instrument data of the instrument; and generating a payment response message based on the current meter data, and sending the payment response message to a server so that the server completes the payment of the meter by using the payment response message. Through the technical scheme of this application, need not the person of checking meter to manual meter reading in the user family, can improve and use experience, reduce the human cost to in time accomplish the payment process of instrument.

Description

Method and device for automatic payment

Technical Field

The application relates to the technical field of internet, in particular to an automatic payment method and device.

Background

In the payment process of public utilities such as electric power, water conservancy, gas and the like, two payment modes exist at present. One way of paying the fee is to pay first and then use it, that is, to a certain meter (such as an electric meter, etc.), the user pays first, and some fee is pre-stored for the meter, and when the meter has no corresponding fee, the meter can not be used continuously. Another way of paying the fee is to pay the fee after using, that is, for a certain meter (such as a water meter, a gas meter, etc.), the user can use the meter first, and pay the fee generated in a certain period of time after a certain period of time.

For a payment mode of first using and then paying, the current realization mode is generally a door-to-door meter reading mode. Specifically, a meter reader reads the meter manually at home of a user, and records the meter reading result. And calculating the cost generated in the period of time by the public utility unit (such as an electric power department, a water conservancy department and the like) based on the meter reading result and the last meter reading result, and informing the user of the cost generated in the period of time so as to inform the user of paying.

In the mode, a meter reader needs to manually read the meter at home of a user, and the meter reading efficiency at home is low and the experience is poor. Moreover, if no one is present in the user's home, the meter reader cannot get an accurate meter reading result in time, and the meter reader may need to go to the user's home for multiple times to manually read the meter, which brings a lot of labor cost.

Disclosure of Invention

The application provides a method and a device for automatic payment to avoid manual meter reading from a meter reader to a user home, improve use experience, reduce labor cost, and adopt the following technical scheme:

the application provides an automatic payment method, which is applied to a mobile terminal and comprises the following steps:

acquiring a payment notification message for the instrument;

collecting an image comprising current meter data for the meter;

analyzing the image based on a dial plate analyzer corresponding to the instrument to obtain current instrument data of the instrument;

and generating a payment response message based on the current meter data, and sending the payment response message to a server so that the server completes the payment of the meter by using the payment response message.

The application provides an automatic payment method, which is applied to a server and comprises the following steps:

sending a payment notification message for an instrument to a mobile terminal so that the mobile terminal collects an image comprising current instrument data of the instrument and analyzes the image based on a dial plate analyzer corresponding to the instrument to obtain the current instrument data of the instrument;

receiving a payment response message sent by the mobile terminal; wherein the payment response message is generated by the mobile terminal based on the current meter data;

establishing a payment bill by using the payment response message;

and completing the payment of the instrument by using the payment bill.

The application provides an automatic device of collecting fee is applied to mobile terminal, includes:

the acquisition module is used for acquiring the payment notification message aiming at the instrument;

an acquisition module for acquiring an image including current meter data of the meter;

the generating module is used for analyzing the image based on a dial plate analyzer corresponding to the instrument to obtain the current instrument data of the instrument; generating a payment response message based on the current meter data;

and the sending module is used for sending the payment response message to a server so that the server completes the payment of the instrument by using the payment response message.

The application provides an automatic device of collecting fee is applied to the server, includes:

the system comprises a sending module, a receiving module and a processing module, wherein the sending module is used for sending a payment notification message for an instrument to a mobile terminal so as to enable the mobile terminal to collect an image comprising current instrument data of the instrument and analyze the image based on a dial plate analyzer corresponding to the instrument to obtain the current instrument data of the instrument;

the receiving module is used for receiving payment response messages sent by the mobile terminal; wherein the payment response message is generated by the mobile terminal based on the current meter data;

and the payment module is used for creating a payment bill by using the payment response message and completing payment of the instrument by using the payment bill.

The application provides an automatic payment method, which is applied to a first mobile terminal and comprises the following steps:

acquiring a first payment notification message for the instrument, and judging whether an image is collected by the first mobile terminal or not;

if yes, acquiring an image comprising current meter data of the meter;

and generating a second payment response message based on the current meter data, and sending the second payment response message to the server so that the server finishes payment of the meter by using the second payment response message.

sending a first payment notification message aiming at the instrument to a first mobile terminal;

when the first mobile terminal collects an image, receiving a second payment response message sent by the first mobile terminal, wherein the second payment response message is generated based on the current instrument data after the first mobile terminal collects the image comprising the current instrument data of the instrument and analyzes the image based on a dial plate analyzer corresponding to the instrument to obtain the current instrument data of the instrument;

establishing a payment bill by using the second payment response message;

and completing the payment of the instrument by using the payment bill.

The application provides an automatic device of collecting fee is applied to first mobile terminal, includes:

the acquisition module is used for acquiring a first payment notification message for the instrument and judging whether an image is acquired by the first mobile terminal or not; if yes, collecting an image comprising current meter data of the meter; analyzing the image based on a dial plate analyzer corresponding to the instrument to obtain the current instrument data of the instrument;

the generating module is used for generating a second payment response message based on the current instrument data;

and the sending module is used for sending the second payment response message to a server so that the server completes the payment of the instrument by using the second payment response message.

the system comprises a sending module, a receiving module and a processing module, wherein the sending module is used for sending a first payment notification message aiming at an instrument to a first mobile terminal;

the receiving module is used for receiving a second payment response message sent by a first mobile terminal when the first mobile terminal collects an image, wherein the second payment response message is generated based on current instrument data after the first mobile terminal collects the image including the current instrument data of the instrument and a dial plate analyzer corresponding to the instrument analyzes the image to obtain the current instrument data of the instrument;

and the payment module is used for creating a payment bill by using the second payment response message and completing payment of the instrument by using the payment bill.

Based on the technical scheme, in the embodiment of the application, the user can use the mobile terminal to collect the image containing the current instrument data and send the payment response message comprising the image to the server, so that the server can use the payment response message to complete payment, a meter reader does not need to manually read the meter at home of the user, the use experience can be improved, the labor cost is reduced, and the payment process of the instrument is completed in time.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be 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 described in the present application, and other drawings can be obtained by those skilled in the art according to the drawings.

FIG. 1 is a flow chart of a method of automated payment in one embodiment of the subject application;

FIG. 2 is a flow chart of a method of automated payment in another embodiment of the present application;

FIG. 3 is a flow chart of a method of automated payment in another embodiment of the present application;

FIG. 4 is a flow chart of a method of automated payment in another embodiment of the present application;

FIG. 5 is a flow chart of a method of automated payment in another embodiment of the present application;

FIG. 6 is a flow chart of a method of automated payment in another embodiment of the present application;

fig. 7 is a block diagram of an automatic payment device according to an embodiment of the present application;

fig. 8 is a block diagram of an automatic payment device according to another embodiment of the present application;

fig. 9 is a block diagram of an automatic payment device according to another embodiment of the present application;

fig. 10 is a block diagram of an automatic payment device according to another embodiment of the present invention.

Detailed Description

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application. As used in this application and the claims, the singular forms "a", "an", and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein is meant to encompass any and all possible combinations of one or more of the associated listed items.

It is to be understood that although the terms first, second, third, etc. may be used herein to describe various information, such information should not be limited to these terms. These terms are only used to distinguish one type of information from another. For example, first information may also be referred to as second information, and similarly, second information may also be referred to as first information, without departing from the scope of the present application. Depending on the context, moreover, the word "if" as used may be interpreted as "at … …" or "when … …" or "in response to a determination".

For meters such as an electric meter, a water meter and a gas meter, when a payment mode of first use and then payment is adopted, the meters need to be paid when a payment period (such as 1 month) is reached. In order to complete the payment, the current meter data of the meter needs to be obtained, so that the payment period cost is calculated according to the current meter data and the last meter data. In order to obtain the current meter data, aiming at the problem that the existing meter reading person manually reads the meter from the home of the user, in the embodiment of the application, the user can use the mobile terminal to collect the image containing the current meter data and send the payment information comprising the image to the server, so that the server can use the payment information to complete payment, and the meter reading person does not need to manually read the meter from the home of the user.

For each meter, the server maintains the organization information and the user information corresponding to the meter. The institution information refers to information of a utility (such as an electric power department, a water conservancy department, and the like) which provides services. The user information refers to a unique identifier of a user belonging to the meter in the utility unit, such as a user number 123, and the user number 123 is a unique identifier of Zhang III in the utility unit.

And binding a user account for each organization information and user information, for example, binding the user account with a user account provided by a third-party platform, so that the user account can be used for completing the payment of the instrument corresponding to the organization information and the user information. This user account may be specified by the user on the third party platform.

Example one

Fig. 1 is a flowchart of a method for automatic payment according to an exemplary embodiment of the present application, and as shown in fig. 1, the method may be applied in a mobile terminal, and may include the following steps:

step 101, acquiring a payment notification message.

In the embodiment of the present application, the process of acquiring the payment notification message may specifically include, but is not limited to, the following manners: when a payment link from a server is received, analyzing a payment notification message from the payment link; or when the payment two-dimensional code is obtained, scanning the payment two-dimensional code, and analyzing a payment notification message from the payment two-dimensional code; or acquiring the payment notification message from a payment interface provided by the third-party platform.

Step 102, collecting an image of the meter containing current meter data.

Step 103, generating a payment response message including the image, and sending the payment response message to the server, so that the server completes the payment of the instrument by using the payment response message.

In the embodiment of the present application, the process of generating the payment response message including the image may specifically include, but is not limited to, the following manners: the method comprises the steps of analyzing mechanism information corresponding to the instrument from the payment notification message, and generating a payment response message comprising an image, the mechanism information and user information. Or, in the second mode, the mechanism information corresponding to the instrument is analyzed from the payment notification message, the dial plate analyzer corresponding to the mechanism information is obtained from the server, the image is analyzed by using the dial plate analyzer, the current instrument data is obtained, and the payment response message comprising the image, the mechanism information, the user information and the current instrument data is generated. Or, in the third mode, the mechanism information corresponding to the instrument is analyzed from the payment notification message, the dial plate analyzer corresponding to the mechanism information and the last-time instrument data corresponding to the instrument are obtained from the server, the image is analyzed by using the dial plate analyzer to obtain the current instrument data, the electronic data information is calculated by using the current instrument data and the last-time instrument data, and the payment response message comprising the image, the mechanism information, the user information and the electronic data information is generated.

Example two

Fig. 2 is a flowchart of a method for automatic payment according to an exemplary embodiment of the present application, and as shown in fig. 2, the method may be applied in a server, and may include the following steps:

step 201, sending a payment notification message to the mobile terminal, so that the mobile terminal collects an image of the instrument, which contains current instrument data, after receiving the payment notification message.

In the embodiment of the present application, the process of sending the payment notification message to the mobile terminal may specifically include, but is not limited to, the following manners: sending a payment link containing a payment notification message to the mobile terminal so that the mobile terminal analyzes the payment notification message from the payment link; or providing the payment two-dimensional code containing the payment notification message to the mobile terminal, so that the mobile terminal analyzes the payment notification message by scanning the payment two-dimensional code; or, the payment notification message is provided for the mobile terminal through a payment interface provided by the third-party platform.

Step 202, receiving a payment response message including an image from the mobile terminal.

And step 203, establishing a payment bill by using the payment response message, and completing the payment of the instrument by using the payment bill.

In the embodiment of the present application, the process of creating the payment bill by using the payment response message may specifically include, but is not limited to, the following ways: analyzing mechanism information, user information and an image corresponding to the instrument from the payment response message, analyzing the image by using a dial plate analyzer corresponding to the mechanism information to obtain current instrument data, and calculating electronic data information by using the current instrument data and previous instrument data corresponding to the instrument; further, a user account corresponding to the instrument is obtained by using the mechanism information and the user information, and a payment bill is created by using the electronic data information and the user account. Or, in the second mode, the mechanism information, the user information, the image and the current instrument data corresponding to the instrument are analyzed from the payment response message, and the electronic data information is calculated by using the current instrument data and the last instrument data corresponding to the instrument; further, a user account corresponding to the instrument is obtained by using the mechanism information and the user information, and a payment bill is created by using the electronic data information and the user account. Or, in the third mode, the mechanism information, the user information, the image and the electronic data information corresponding to the instrument are analyzed from the payment response message; further, a user account corresponding to the instrument is obtained by using the mechanism information and the user information, and a payment bill is created by using the electronic data information and the user account.

EXAMPLE III

Fig. 3 is a flowchart of a method for automatic payment according to an exemplary embodiment of the present application, and as shown in fig. 3, the method for automatic payment may include the following steps:

step 301, the server sends a payment notification message to the mobile terminal.

In the embodiment of the present application, the process of sending the payment notification message to the mobile terminal by the server may specifically include, but is not limited to, the following manners: sending a payment link containing a payment notification message to the mobile terminal so that the mobile terminal analyzes the payment notification message from the payment link; or providing the payment two-dimensional code containing the payment notification message to the mobile terminal, so that the mobile terminal analyzes the payment notification message by scanning the payment two-dimensional code; or, the payment notification message is provided for the mobile terminal through a payment interface provided by the third-party platform.

The server may send payment notification messages to the plurality of mobile terminals, where the payment notification messages corresponding to the plurality of mobile terminals are the same, for example, the server generates a payment two-dimensional code including the payment notification message and provides the payment two-dimensional code to the plurality of mobile terminals, or the server provides the payment notification messages to the plurality of mobile terminals through a payment interface provided by a third party platform. Or, the server may also send the payment notification message separately for each mobile terminal, for example, when a certain meter needs to pay, the server may query the user information corresponding to the meter and query information (such as a mobile phone number, a micro signal, and the like) of the mobile terminal corresponding to the user information, so as to send a payment link including the payment notification message to the mobile terminal by using the information of the mobile terminal, or provide the payment two-dimensional code including the payment notification message to the mobile terminal.

Step 302, the mobile terminal acquires a payment notification message.

In the embodiment of the present application, the process of acquiring the payment notification message by the mobile terminal may specifically include, but is not limited to, the following manners: when receiving a payment link from a server, the mobile terminal analyzes a payment notification message from the payment link; or when the mobile terminal acquires the payment two-dimensional code, scanning the payment two-dimensional code, and analyzing a payment notification message from the payment two-dimensional code; or, the mobile terminal obtains the payment notification message from a payment interface provided by a third-party platform (such as an e-commerce platform).

The third party platform can provide a payment interface for the mobile terminal, and the mobile terminal can acquire a payment notification message from the payment interface by opening the third party platform.

Step 303, the mobile terminal collects an image of the meter, which contains current meter data.

After the mobile terminal acquires the payment notification message, the mobile terminal can acquire an image containing current instrument data of the instrument based on a meter-shooting payment interface provided by the payment notification message.

And step 304, the mobile terminal generates a payment response message comprising the image and sends the payment response message to the server.

In the embodiment of the present application, the process of generating the payment response message including the image by the mobile terminal may specifically include, but is not limited to, the following manners: the method comprises the steps of analyzing mechanism information corresponding to the instrument from the payment notification message, and generating a payment response message comprising an image, the mechanism information and user information. And secondly, analyzing the mechanism information corresponding to the instrument from the payment notification message, acquiring a dial plate analyzer corresponding to the mechanism information from the server, analyzing the image by using the dial plate analyzer to obtain current instrument data, and generating a payment response message comprising the image, the mechanism information, the user information and the current instrument data. Analyzing mechanism information corresponding to the instrument from the payment notification message, acquiring a dial plate analyzer corresponding to the mechanism information and previous instrument data corresponding to the instrument from the server, analyzing the image by using the dial plate analyzer to obtain current instrument data, calculating electronic data information by using the current instrument data and the previous instrument data, and generating a payment response message comprising the image, the mechanism information, the user information and the electronic data information.

For the first, second and third modes, when the payment notification message is a payment notification message for a user, the payment notification message may include user information, and based on this, the mobile terminal may analyze the user information corresponding to the meter from the payment notification message. When the payment notification message is a payment notification message for a plurality of users, the payment notification message may not include user information, based on which, the mobile terminal may request the user to provide the user information and receive the user information input by the user, or may store the user information locally in advance in the mobile terminal and acquire the user information from locally stored data.

For the second and third modes, when the dial plate structures corresponding to one mechanism are the same, all the dial plates of the mechanism use the same dial plate parser, so that the corresponding relationship between the mechanism information and the dial plate parser can be maintained in the server, and the mobile terminal acquires the dial plate parser corresponding to the mechanism information from the server. Or, when the dial plate structures corresponding to one mechanism are different, different dial plate resolvers can be used for all dial plates of the mechanism, that is, different users under the mechanism correspond to different dial plate resolvers, so that the corresponding relationship between mechanism information, user information and the dial plate resolvers can be maintained at the server, and the mobile terminal obtains the dial plate resolvers corresponding to the mechanism information and the user information from the server.

In the third embodiment, the server maintains the correspondence between the organization information and the user information and the previous meter data, so that the mobile terminal can obtain the previous meter data corresponding to the organization information and the user information, which is the previous meter data corresponding to the meter, from the server.

Step 305, the server receives a payment response message including an image from the mobile terminal.

And step 306, the server creates a payment bill by using the payment response message, and completes the payment of the instrument by using the payment bill.

In the embodiment of the present application, the process of creating the payment bill by using the payment response message by the server may specifically include, but is not limited to, the following ways: analyzing mechanism information, user information and an image corresponding to the instrument from the payment response message, analyzing the image by using a dial plate analyzer corresponding to the mechanism information to obtain current instrument data, and calculating electronic data information by using the current instrument data and previous instrument data corresponding to the instrument; further, a user account corresponding to the instrument is obtained by using the mechanism information and the user information, and a payment bill is created by using the electronic data information and the user account. Or, in the second mode, the mechanism information, the user information, the image and the current instrument data corresponding to the instrument are analyzed from the payment response message, and the electronic data information is calculated by using the current instrument data and the last instrument data corresponding to the instrument; further, a user account corresponding to the instrument is obtained by using the mechanism information and the user information, and a payment bill is created by using the electronic data information and the user account. Or, in the third mode, the mechanism information, the user information, the image and the electronic data information corresponding to the instrument are analyzed from the payment response message; further, a user account corresponding to the instrument is obtained by using the mechanism information and the user information, and a payment bill is created by using the electronic data information and the user account.

When the instrument is paid by using the payment bill, the mechanism information and the user information are bound to one user account, so that the instrument corresponding to the mechanism information and the user information can be paid by using the user account. For example, if the user signs up for the deduction agency service, based on the bill of payment, the corresponding fee may be deducted directly from the user account to complete the payment for the meter. If the user does not sign the withholding service, the payment bill is provided for the user, and the user finishes the payment of the instrument.

In a fourth embodiment to a sixth embodiment, the first mobile terminal is a mobile terminal used by a user to which the meter belongs, for example, a mobile terminal used by a homeowner, and information of the first mobile terminal may be queried through user information corresponding to the meter. The second mobile terminal is a mobile terminal used by a user authorized by the user to which the meter belongs, for example, when the landlord is not at home, the landlord can authorize a tenant at home to complete image acquisition, so that the mobile terminal used by the landlord is the first mobile terminal, and the mobile terminal used by the tenant is the second mobile terminal.

Example four

Fig. 4 is a flowchart of a method for automatic payment according to an exemplary embodiment of the present application, and as shown in fig. 4, the method may be applied in a first mobile terminal, and may include the following steps:

step 401, acquiring a first payment notification message, and determining whether an image is collected by the first mobile terminal. If not, the authorized identification information of the second mobile terminal is sent to the server, so that the server generates a second payment notification message by using the identification information.

When a certain meter needs to pay, the server can inquire the user information corresponding to the meter and inquire the information (such as a mobile phone number, a micro signal and the like) of the first mobile terminal corresponding to the user information, so that the first payment notification message can be sent to the first mobile terminal by utilizing the information of the first mobile terminal.

After the user to which the instrument belongs receives the first payment notification message through the first mobile terminal, if the user confirms that the instrument at home needs to pay, the user to which the instrument belongs can directly use the first mobile terminal to collect images when the user to which the instrument belongs can collect images, if the user to which the instrument belongs is at home. When the user to which the instrument belongs cannot perform image acquisition, if the user to which the instrument belongs is not at home, the user to which the image acquisition can be performed is known, such as a tenant at home, and the user is authorized to complete image acquisition, the user to which the instrument belongs issues identification information (such as a mobile phone number, a payment treasure number and the like) of the user to the first mobile terminal, and after the first mobile terminal receives the identification information, the first mobile terminal determines that the image is not acquired by the first mobile terminal.

The identification information of the second mobile terminal may be a mobile phone number of a tenant who is at home.

Step 402, acquiring a second payment notification message, and pushing the second payment notification message to a second mobile terminal; the second mobile terminal collects an image of the instrument, which contains current instrument data, generates a first payment response message including the image, and sends the first payment response message to the server, so that the server completes payment of the instrument by using the first payment response message.

In the embodiment of the present application, the process of acquiring the first payment notification message or the second payment notification message may specifically include, but is not limited to, the following manners: when a payment link from a server is received, a first payment notification message or a second payment notification message is analyzed from the payment link; or when the payment two-dimensional code is acquired, scanning the payment two-dimensional code, and analyzing a first payment notification message or a second payment notification message from the payment two-dimensional code; or acquiring the first payment notification message or the second payment notification message from a payment interface provided by a third-party platform (such as an e-commerce platform).

Compared with the first payment notification message, the second payment notification message is added with user data obtained after the server processes the user data corresponding to the identification information of the second mobile terminal by using a pre-configured abstract algorithm, and the specific content is explained in the following process.

In the embodiment of the application, after the second mobile terminal receives the second payment notification message, the second mobile terminal collects an image of the meter, where the image includes current meter data of the meter. Then, the second mobile terminal can generate a first payment response message including the image and send the first payment response message to the server, so that the server can complete payment of the instrument by using the first payment response message.

With respect to step 401, after determining whether the first mobile terminal acquires an image, if the determination result is yes, the first mobile terminal acquires an image of a meter, where the image may include current meter data of the meter. And the first mobile terminal generates a second payment response message comprising the image and sends the second payment response message to the server so that the server finishes payment for the instrument by using the second payment response message.

The first mobile terminal or the second mobile terminal collects images of the instrument on the meter-shooting payment interface.

In this embodiment of the application, the process of generating the second payment response message (the first payment response message) by the first mobile terminal (the second mobile terminal) may specifically include, but is not limited to, the following manners: analyzing the mechanism information corresponding to the instrument from the first payment notification message (the second payment notification message). And acquiring a dial plate analyzer corresponding to the mechanism information from the server, and analyzing the image by using the dial plate analyzer to obtain current instrument data. And acquiring last meter data corresponding to the meter from the server, and calculating electronic data information by using the current meter data and the last meter data. And generating a second payment response message (first payment response message) comprising the image, the mechanism information, the user information and the electronic data information.

The process of generating the second payment response message by the first mobile terminal is similar to the process of generating the first payment response message by the second mobile terminal, and the difference is mainly as follows: the first mobile terminal analyzes the related content from the first payment notification message, and the second mobile terminal analyzes the related content from the second payment notification message. In addition, the second mobile terminal can also analyze the processed user data from the second payment notification message, and the first payment response message generated by the second mobile terminal can also include the processed user data.

The second payment response message may be a message unrelated to the first payment notification message, or generated by adding the collected image and the calculated electronic data information to the first payment notification message. The first payment response message may be a message unrelated to the second payment notification message, or may be generated by adding the collected image and the calculated electronic data information to the second payment notification message.

In an example, in the process of generating the second payment response message, the first mobile terminal may generate the second payment response message including the image, the organization information, and the user information without calculating the electronic data information. In the process of generating the first payment response message, the second mobile terminal may generate the first payment response message including the image, the organization information, the user information, and the processed user data without calculating the electronic data information.

EXAMPLE five

Fig. 5 is a flowchart of an automatic payment method according to an exemplary embodiment of the present application, and as shown in fig. 5, the method may be applied to a server, where the server is a server providing a payment function, such as a payment platform of a payment bank, and the method may include the following steps:

step 501, a server sends a first payment notification message to a first mobile terminal, receives identification information of an authorized second mobile terminal from the first mobile terminal when an image is not collected by the first mobile terminal, generates a second payment notification message by using the identification information, and sends the second payment notification message to the first mobile terminal, so that the first mobile terminal pushes the second payment notification message to the second mobile terminal.

Compared with the first payment notification message, the second payment notification message is added with user data which is obtained by processing the user data corresponding to the identification information of the second mobile terminal by the server through the abstract algorithm.

When the image is not collected by the first mobile terminal, the first mobile terminal sends a request carrying information (namely identification information of the second mobile terminal) to the server after obtaining the information (such as a mobile phone number, a payment treasure number and the like) of an authorized user (such as a tenant) of a user (such as a homeowner) to which the instrument belongs. After receiving the request, the server locally queries user data corresponding to the information, such as a mobile phone number, a name, a payment treasured number, a micro signal and the like, wherein the user data are user data corresponding to the identification information of the authorized second mobile terminal.

Based on this, the process of generating the second payment notification message by the server using the identification information may specifically include, but is not limited to, the following manners: the server inquires user data corresponding to the identification information of the second mobile terminal from the local, processes the user data by utilizing a preconfigured abstract algorithm, and adds the processed user data to the first payment notification message to obtain a second payment notification message. The Digest algorithm may be a hash algorithm, an MD5(Message Digest 5) algorithm, or the like.

Wherein, the server also needs to obtain the first payment notification message. The first payment notification message may be returned to the server by the first mobile terminal, or may be stored in the local storage medium after the server sends the first payment notification message to the first mobile terminal. In addition, the processed user data may be a digest value, and the second payment notification message is obtained by adding the digest value to the first payment notification message.

In this embodiment of the application, the process of sending the first payment notification message or the second payment notification message to the first mobile terminal may specifically include, but is not limited to: sending a payment link containing a first payment notification message or a second payment notification message to the mobile terminal so that the mobile terminal analyzes the first payment notification message or the second payment notification message from the payment link; or providing a payment two-dimensional code containing the first payment notification message or the second payment notification message to the mobile terminal, so that the mobile terminal analyzes the first payment notification message or the second payment notification message by scanning the payment two-dimensional code; or, the first payment notification message or the second payment notification message is provided for the mobile terminal through a payment interface provided by the third-party platform.

Step 502, receiving a first payment response message from the second mobile terminal, where the first payment response message includes an image of the meter collected by the second mobile terminal, and the image includes current meter data.

Step 503, determine whether the first payment response message is legal payment information. If yes, go to step 504; if not, discarding the first payment response message, and not paying for the instrument.

And step 504, establishing a payment bill by using the first payment response message, and completing the payment of the instrument by using the payment bill. For example, when the user of the meter signs a withholding, the fee is automatically deducted by directly using the payment bill; when the user of the meter does not sign a contract for deduction, the user of the meter is informed of the payment bill, and the user of the meter pays based on the payment bill, which is not described in detail.

In the embodiment of the present application, the process of determining whether the first payment response message is legal payment information may specifically include, but is not limited to, the following manners: and judging whether the first payment response message contains user data. If not, the first payment response message is determined not to be legal payment information. And if so, processing the user data corresponding to the identification information of the authorized second mobile terminal by using a preconfigured abstract algorithm, and comparing whether the processed user data is the same as the user data contained in the first payment response message. If the first payment response message is the same as the payment information, determining that the first payment response message is legal payment information; if not, determining that the first payment response message is not legal payment information.

The user to which the instrument belongs only authorizes one user to complete image acquisition, namely the first mobile terminal only pushes the second payment notification message to a second mobile terminal, and only the first payment response message sent by the second mobile terminal is legal payment information. The processed user data is carried in the first payment response message sent by the second mobile terminal to the server. In addition, since the server processes the same user data (the user data corresponding to the identification information of the second mobile terminal) by using the same digest algorithm, the processed user data is the same as the user data included in the first payment response message.

On the contrary, if the user is not authorized by the user to which the meter belongs, the user does not receive the second payment notification message from the first mobile terminal, and the processed user data carried in the second payment notification message cannot be obtained. Therefore, the payment information sent by the second mobile terminal used by the user to the server does not carry correct user data, and the user data does not carry user data or carries user data added by the user, and the user data carried in the payment information is different from the user data processed by the server by using the abstract algorithm because the user data cannot know the abstract algorithm used by the server.

Based on the mode, the attack of the unauthorized user is effectively prevented, even if the unauthorized user sends the payment information to the server, a payment bill cannot be created based on the payment information, the payment bill cannot be used for automatically deducting the fee under the condition that the user to which the instrument belongs does not know, the payment bill cannot be sent to the user to which the instrument belongs, the trouble of the user to which the instrument belongs is avoided, and the reduction of user experience is avoided.

In the embodiment of the application, after the first payment notification message is sent to the first mobile terminal, when the first mobile terminal collects an image, a second payment response message from the first mobile terminal is received, wherein the second payment response message comprises the image of the instrument collected by the first mobile terminal, the image comprises current instrument data, a payment bill is created by using the second payment response message, and the payment of the instrument is completed by using the payment bill.

Different from the processing of receiving the first payment response message, after receiving the second payment response message from the first mobile terminal, because the first mobile terminal is used by the user to which the meter belongs, the second payment response message from the first mobile terminal is legal payment information, and the payment bill is created by directly using the second payment response message without executing a judgment process of whether the second payment response message is legal payment information.

In the embodiment of the application, the process of creating the payment bill by using the first payment response message or the second payment response message may specifically include, but is not limited to, the following ways: the server analyzes the mechanism information and the user information corresponding to the meter from the first payment response message or the second payment response message to obtain the electronic data information corresponding to the meter. And establishing a payment bill by using the electronic data information, the mechanism information and the user information.

In the embodiment of the present application, the process of obtaining the electronic data information corresponding to the meter may specifically include, but is not limited to, the following manners: in a first mode, when the first payment response message or the second payment response message carries electronic data information, the electronic data information can be directly analyzed from the first payment response message or the second payment response message. Or, in the second mode, when the first payment response message or the second payment response message does not carry electronic data information, a dial plate analyzer corresponding to the analyzed mechanism information can be obtained, and the dial plate analyzer is used for analyzing the image in the first payment response message or the second payment response message to obtain the current instrument data. And then, acquiring last meter data corresponding to the meter, and calculating electronic data information by using the current meter data and the last meter data.

In the embodiment of the application, after receiving the first payment response message or the second payment response message, the server analyzes the image containing the current instrument data from the first payment response message or the second payment response message, and after creating the payment bill, the server stores the image in a specified storage medium to provide a basis for customer service, wind control and the like. In addition, the server can also update the meter data according to the mechanism information and the user information, so that the current meter data is changed into the last meter data in the next payment process.

EXAMPLE six

Fig. 6 is a flowchart of a method for automatic payment according to an exemplary embodiment of the present application, and as shown in fig. 6, the flowchart of the method for automatic payment may include the following steps:

step 601, the server sends a first payment notification message to the first mobile terminal.

Step 602, a first mobile terminal receives a first payment notification message from a server.

Step 603, the first mobile terminal judges whether the first mobile terminal collects the image. If yes, go to step 604; if not, step 606 is performed.

Step 604, the first mobile terminal collects an image of the instrument containing current instrument data, generates a second payment response message including the image, and sends the second payment response message to the server.

In this embodiment of the application, the process of generating the second payment response message by the first mobile terminal may include, but is not limited to, the following manners: and analyzing the mechanism information corresponding to the instrument from the first payment notification message. And acquiring a dial plate analyzer corresponding to the mechanism information from the server, and analyzing the image by using the dial plate analyzer to obtain current instrument data. And acquiring last meter data corresponding to the meter from the server, and calculating electronic data information by using the current meter data and the last meter data. And generating a second payment response message comprising the image, the mechanism information, the user information and the electronic data information. The second payment response message may be information unrelated to the first payment notification message, or may be generated by adding the acquired image and the calculated electronic data information to the first payment notification message. In a feasible manner, the first mobile terminal may generate the second payment response message including the image, the organization information, and the user information without calculating electronic data information in the process of generating the second payment response message.

Step 605, the server receives a second payment response message from the first mobile terminal, creates a payment bill by using the second payment response message, and completes the payment of the meter by using the payment bill.

In this embodiment of the application, the process of creating the payment bill by the server using the second payment response message may specifically include, but is not limited to, the following ways: the server analyzes the mechanism information and the user information corresponding to the meter from the second payment response message, obtains the electronic data information corresponding to the meter, and creates a payment bill by using the electronic data information, the mechanism information and the user information. Further, the process of obtaining the electronic data information corresponding to the meter may specifically include, but is not limited to, the following manners: when the second payment response message carries the electronic data information, the electronic data information can be directly analyzed from the second payment response message. Or when the second payment response message does not carry electronic data information, a dial plate analyzer corresponding to the analyzed mechanism information can be obtained, and the dial plate analyzer is utilized to analyze the image in the second payment response message so as to obtain current instrument data; and acquiring last meter data corresponding to the meter, and calculating electronic data information by using the current meter data and the last meter data.

In the embodiment of the application, after the server receives the second payment response message, the image containing the current instrument data is analyzed from the second payment response message, and after the payment bill is created, the server stores the image in a specified storage medium to provide a basis for customer service, wind control and the like.

In addition, the server can also update the meter data according to the mechanism information and the user information, so that the current meter data is changed into the last meter data in the next payment process.

Step 606, the first mobile terminal sends the authorized identification information of the second mobile terminal to the server, and the server receives the identification information and generates a second payment notification message by using the identification information.

Step 607, the server sends the second payment notification message to the first mobile terminal, and the first mobile terminal receives the second payment notification message and pushes the second payment notification message to the second mobile terminal.

After obtaining information (such as a mobile phone number, a payment treasure number and the like) of an authorized user (such as a tenant) of a user (such as a homeowner) to which the instrument belongs, the first mobile terminal sends a request carrying the information (namely identification information of the second mobile terminal) to the server. After receiving the request, the server locally queries user data corresponding to the information, such as a mobile phone number, a name, a payment treasured number, a micro signal and the like, wherein the user data are user data corresponding to the identification information of the authorized second mobile terminal. Based on this, the process of generating the second payment notification message by the server using the identification information may specifically include, but is not limited to, the following manners: the server inquires user data corresponding to the identification information of the second mobile terminal from the local, processes the user data by utilizing a preconfigured abstract algorithm, and adds the processed user data to the first payment notification message to obtain a second payment notification message. The digest algorithm may be a hash algorithm, an MD5 algorithm, or the like.

Step 608, the second mobile terminal collects an image of the meter, which includes current meter data, generates a first payment response message including the image, and sends the first payment response message to the server.

In this embodiment of the application, the process of generating the first payment response message by the second mobile terminal may specifically include, but is not limited to, the following manners: and the second mobile terminal analyzes the processed identification information and the mechanism information corresponding to the instrument from the second payment notification message. And acquiring a dial plate analyzer corresponding to the mechanism information from the server, and analyzing the image by using the dial plate analyzer to obtain current instrument data. And acquiring last meter data corresponding to the meter from the server, and calculating electronic data information by using the current meter data and the last meter data. And generating a first payment response message comprising the image, the mechanism information, the user information, the electronic data information and the processed identification information. The first payment response message may be a message unrelated to the second payment notification message, or generated by adding the collected image and the calculated electronic data information to the second payment notification message. In a possible implementation manner, the second mobile terminal may generate the first payment response message including the image, the organization information, the user information, and the processed identification information without calculating electronic data information in the process of generating the first payment response message.

Step 609, the server receives the first payment response message from the second mobile terminal.

In step 610, the server determines whether the first payment response message is legal payment information. If so, go to step 611; if not, discarding the first payment response message, and not paying for the instrument.

Step 611, the server creates a payment bill by using the first payment response message, and completes the payment of the meter by using the payment bill.

In the embodiment of the present application, the process of determining whether the first payment response message is legal payment information by the server may specifically include, but is not limited to, the following manners: and judging whether the first payment response message contains user data. If not, the first payment response message is determined not to be legal payment information. And if so, processing the user data corresponding to the identification information of the authorized second mobile terminal by using a preconfigured abstract algorithm, and comparing whether the processed user data is the same as the user data contained in the first payment response message. If the first payment response message is the same as the payment information, determining that the first payment response message is legal payment information; if not, determining that the first payment response message is not legal payment information.

In this embodiment of the application, the process of creating the payment bill by using the first payment response message by the server may specifically include, but is not limited to, the following ways: the server analyzes the mechanism information and the user information corresponding to the meter from the first payment response message, obtains the electronic data information corresponding to the meter, and creates a payment bill by using the electronic data information, the mechanism information and the user information. Further, the process of obtaining the electronic data information corresponding to the meter may specifically include, but is not limited to, the following manners: when the first payment response message carries the electronic data information, the electronic data information can be directly analyzed from the first payment response message. Or when the first payment response message does not carry electronic data information, a dial plate analyzer corresponding to the analyzed mechanism information can be obtained, and the dial plate analyzer is utilized to analyze the image in the first payment response message so as to obtain current instrument data; and acquiring last meter data corresponding to the meter, and calculating electronic data information by using the current meter data and the last meter data.

In the embodiment of the application, after the server receives the first payment response message, the image containing the current instrument data is analyzed from the first payment response message, and after the payment bill is created, the server stores the image in a specified storage medium to provide a basis for customer service, wind control and the like.

For the first to sixth embodiments, the payment notification message may include mechanism information corresponding to the meter that needs to be paid, and in addition, according to an actual situation, the payment notification message may or may not include user information corresponding to the meter that needs to be paid. The payment two-dimensional code can be a two-dimensional code containing mechanism information (or mechanism information and user information), the user can obtain the mechanism information as long as the two-dimensional code is scanned, a meter-shooting payment interface can be provided to collect an image of the instrument, and the payment two-dimensional code can be printed on a payment prompting bill. The payment link is a hyperlink containing mechanism information (or mechanism information and user information), the user can obtain the mechanism information by clicking the payment link, and can provide a meter-shooting payment interface to collect an image of the instrument, and the payment link can be pushed by PUSH, a short message, a mailbox or other modes.

For the first to sixth embodiments, in order to analyze the current meter data from the image, a dial analyzer may be used to analyze the image to obtain the current meter data. The dial plate analyzer can be a segment of modularized program which is stored by a server and can be dynamically and remotely loaded, and the function of the dial plate analyzer is to analyze current meter data from an image, such as the current reading of a water meter, the current reading of an electric meter, the current reading of a gas meter and the like. In practical application, because different instrument structures, reading modes can be different, if the instrument structure is a string of numbers, some instrument structures are pointers, and therefore, different dial plate resolvers can be set for different instrument structures, and the dial plate resolvers can accurately resolve current instrument data. Furthermore, since the structure of the meters provided by different mechanisms may be different, and the structure of the meters provided by the same mechanism may also be different, a dial resolver may be provided for each meter. The dial resolvers of different meters may be the same when the meter structures of the meters are the same, and may be different when the meter structures of the meters are different. Furthermore, each instrument is uniquely identified by mechanism information and user information, so that each mechanism information and each user information correspond to one dial plate resolver.

Based on this, after analyzing the mechanism information and the user information corresponding to the instrument, the mobile terminal may send a download request of the dial plate analyzer to the server, where the download request carries the mechanism information and the user information. The server can inquire the dial plate analyzer corresponding to the mechanism information and the user information, and send the dial plate analyzer to the mobile terminal, and the mobile terminal analyzes the image by using the dial plate analyzer.

Because each meter is uniquely identified by the organization information and the user information, after the server obtains the meter data each time, the server also records the currently obtained meter data according to the organization information and the user information. In this way, the mobile terminal may send an acquisition request of the meter data to the server, where the acquisition request carries the organization information and the user information. The server can inquire the meter data corresponding to the organization information and the user information, wherein the meter data refers to the last meter data, and the last meter data is sent to the mobile terminal.

Because each meter is uniquely identified by organization information and user information, a charge calculator corresponding to the meter can be maintained for the organization information and the user information. The charge calculator can be a section of modularized program which is stored by the server and can be dynamically and remotely loaded, and the function of the charge calculator is to calculate the charge due at the current period by combining the current meter data, the last meter data, the unit price (supporting the step price) and the like. Based on this, the mobile terminal may send a download request of the charging calculator to the server, the download request carrying the organization information and the user information. The server can inquire the charging calculator corresponding to the organization information and the user information and send the charging calculator to the mobile terminal, and the mobile terminal can calculate the electronic data information by utilizing the charging calculator and combining the current meter data and the last meter data.

The electronic data information may refer to the due fee of the period, such as 200 yuan.

In practical application, the download request of the dial plate parser, the acquisition request of the meter data and the download request of the charge calculator can be the same request, that is, the mobile terminal sends a request to the server, and the server simultaneously sends the dial plate parser, the last meter data and the charge calculator to the mobile terminal.

In the above process, the example of the correspondence between the server maintenance organization information and the user information and the dial plate parser/charging calculator is described, in practical application, the server may maintain the correspondence between the organization information and the dial plate parser/charging calculator, that is, all users in the organization use the same dial plate parser/charging calculator, the processing flow is similar to the above manner, except that the request does not carry the user information any more.

EXAMPLE seven

Based on the same application concept as the method, the embodiment of the application also provides an automatic payment device, and the automatic payment device is applied to the mobile terminal. As shown in fig. 7, the apparatus includes:

the acquisition module 11 is configured to acquire a payment notification message;

the acquisition module 12 is used for acquiring an image of the instrument, which contains current instrument data;

a generating module 13, configured to generate a payment response message including the image;

and the sending module 14 is configured to send the payment response message to a server, so that the server completes payment for the meter by using the payment response message.

The acquiring module 11 is specifically configured to, in the process of acquiring the payment notification message, parse the payment notification message from the payment link when receiving the payment link from the server; or when the payment two-dimensional code is obtained, scanning the payment two-dimensional code, and analyzing the payment notification message from the payment two-dimensional code; or acquiring the payment notification message from a payment interface provided by a third-party platform.

The generating module 13 is specifically configured to, in a process of generating a payment response message including the image, parse mechanism information corresponding to the meter from the payment notification message, and generate a payment response message including the image, the mechanism information, and user information; or analyzing mechanism information corresponding to the instrument from the payment notification message, acquiring a dial plate analyzer corresponding to the mechanism information from the server, analyzing the image by using the dial plate analyzer to obtain current instrument data, and generating a payment response message comprising the image, the mechanism information, user information and the current instrument data; or analyzing the mechanism information corresponding to the instrument from the payment notification message, acquiring a dial plate analyzer corresponding to the mechanism information and previous instrument data corresponding to the instrument from the server, analyzing the image by using the dial plate analyzer to obtain current instrument data, calculating electronic data information by using the current instrument data and the previous instrument data, and generating a payment response message comprising the image, the mechanism information, the user information and the electronic data information.

The modules of the device can be integrated into a whole or can be separately deployed. The modules can be combined into one module, and can also be further split into a plurality of sub-modules.

Example eight

Based on the same application concept as the method, the embodiment of the application also provides an automatic payment device, and the automatic payment device is applied to the server. As shown in fig. 8, the apparatus includes:

the sending module 21 is configured to send a payment notification message to a mobile terminal, so that the mobile terminal collects an image of an instrument, which includes current instrument data, after receiving the payment notification message;

a receiving module 22, configured to receive a payment response message including the image from the mobile terminal;

and the payment module 23 is configured to create a payment bill by using the payment response message, and complete payment of the instrument by using the payment bill.

The sending module 21 is specifically configured to send a payment link including the payment notification message to the mobile terminal in a process of sending the payment notification message to the mobile terminal, so that the mobile terminal parses the payment notification message from the payment link; or, providing the payment two-dimensional code containing the payment notification message to the mobile terminal, so that the mobile terminal analyzes the payment notification message by scanning the payment two-dimensional code; or, providing a payment notification message to the mobile terminal through a payment interface provided by a third-party platform.

The payment module 23 is specifically configured to, in the process of creating a payment bill by using the payment response message, parse mechanism information, user information, and an image corresponding to the meter from the payment response message, parse the image by using a dial plate parser corresponding to the mechanism information to obtain current meter data, and calculate electronic data information by using the current meter data and previous meter data corresponding to the meter; or analyzing the mechanism information, the user information, the image and the current instrument data corresponding to the instrument from the payment response message, and calculating electronic data information by using the current instrument data and the last instrument data corresponding to the instrument; or analyzing the mechanism information, the user information, the image and the electronic data information corresponding to the instrument from the payment response message;

and acquiring a user account corresponding to the meter by using the mechanism information and the user information, and creating a payment bill by using the electronic data information and the user account.

Example nine

Based on the same application concept as the method, the embodiment of the application further provides an automatic payment device, and the automatic payment device is applied to the first mobile terminal. As shown in fig. 9, the apparatus includes:

the acquiring module 31 is configured to acquire the first payment notification message and determine whether an image is acquired by the first mobile terminal; if not, sending the identification information of the authorized second mobile terminal to the server, so that the server generates a second payment notification message by using the identification information to acquire the second payment notification message;

the sending module 32 is configured to push the second payment notification message to the second mobile terminal; the second mobile terminal collects an image of the instrument, which contains current instrument data, generates a first payment response message including the image, and sends the first payment response message to the server, so that the server completes payment of the instrument by using the first payment response message.

The automatic payment device further comprises (not shown in the figure): the generating module is used for acquiring an image containing current instrument data of the instrument and generating a second payment response message comprising the image after judging whether the image is acquired by the first mobile terminal or not;

the sending module 32 is further configured to send the second payment response message to the server, so that the server completes payment for the meter by using the second payment response message.

The generating module is specifically configured to, in a process of generating a second payment response message including the image, analyze the mechanism information corresponding to the instrument from the first payment notification message; acquiring a dial plate analyzer corresponding to the mechanism information from the server, and analyzing the image by using the dial plate analyzer to obtain current instrument data; acquiring last meter data corresponding to the meter from the server, and calculating electronic data information by using the current meter data and the last meter data; and generating a second payment response message comprising the image, the mechanism information, the user information and the electronic data information.

In this embodiment of the application, the obtaining module 31 is specifically configured to, in a process of obtaining a first payment notification message or a second payment notification message, when a payment link from a server is received, parse the first payment notification message or the second payment notification message from the payment link; or when the payment two-dimensional code is obtained, scanning the payment two-dimensional code, and analyzing the first payment notification message or the second payment notification message from the payment two-dimensional code; or acquiring the first payment notification message or the second payment notification message from a payment interface provided by a third-party platform.

Example ten

Based on the same application concept as the method, the embodiment of the application also provides an automatic payment device, and the automatic payment device is applied to the server. As shown in fig. 10, the apparatus includes:

the sending module 41 is configured to send a first payment notification message to the first mobile terminal, receive identification information of an authorized second mobile terminal from the first mobile terminal when an image is not collected by the first mobile terminal, generate a second payment notification message by using the identification information, and send the second payment notification message to the first mobile terminal, so that the first mobile terminal pushes the second payment notification message to the second mobile terminal;

a receiving module 42, configured to receive a first payment response message from the second mobile terminal, where the first payment response message includes an image of the meter collected by the second mobile terminal, and the image includes current meter data;

a judging module 43, configured to judge whether the first payment response message is legal payment information;

and the processing module 44 is configured to, if the determination result is yes, create a payment bill by using the first payment response message, and complete payment for the meter by using the payment bill.

The sending module 41 is specifically configured to, in the process of generating the second payment notification message, query user data corresponding to the identification information, process the user data by using a preconfigured abstract algorithm, and add the processed user data to the first payment notification message to obtain the second payment notification message;

the determining module 43 is specifically configured to determine whether the first payment response message includes user data in the process of determining whether the first payment response message is legal payment information; if not, determining that the first payment response message is not legal payment information; if so, processing the user data corresponding to the identification information of the authorized second mobile terminal by using the abstract algorithm, and comparing whether the processed user data is the same as the user data contained in the first payment response message; if the first payment response message is the same as the payment response message, determining that the first payment response message is legal payment information; and if not, determining that the first payment response message is not legal payment information.

The receiving module 42 is further configured to receive a second payment response message from the first mobile terminal when the first mobile terminal collects an image, where the second payment response message includes an image of the instrument collected by the first mobile terminal, and the image includes current instrument data;

the processing module 44 is further configured to create a payment bill by using the second payment response message when the second payment response message is received, and complete payment for the meter by using the payment bill.

The processing module 44 is specifically configured to, in a process of creating a payment bill by using the first payment response message or the second payment response message, parse mechanism information, user information, an image, and electronic data information corresponding to the meter from the first payment response message or the second payment response message; and acquiring a user account corresponding to the meter by using the mechanism information and the user information, and creating a payment bill by using the electronic data information and the user account.

The sending module 41 is specifically configured to send a payment link including the first payment notification message or the second payment notification message to the mobile terminal in a process of sending the first payment notification message or the second payment notification message to the first mobile terminal, so that the mobile terminal analyzes the first payment notification message or the second payment notification message from the payment link; or providing a payment two-dimensional code containing the first payment notification message or the second payment notification message to the mobile terminal, so that the mobile terminal analyzes the first payment notification message or the second payment notification message by scanning the payment two-dimensional code; or, the first payment notification message or the second payment notification message is provided to the mobile terminal through a payment interface provided by a third-party platform.

Through the above description of the embodiments, those skilled in the art will clearly understand that the present application can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better embodiment. Based on such understanding, the technical solutions of the present application may be essentially or partially implemented in the form of a software product stored in a storage medium and including instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute the methods described in the embodiments of the present application. Those skilled in the art will appreciate that the drawings are merely schematic representations of one preferred embodiment and that the blocks or flow diagrams in the drawings are not necessarily required to practice the present application.

Those skilled in the art will appreciate that the modules in the devices in the embodiments may be distributed in the devices in the embodiments according to the description of the embodiments, and may be correspondingly changed in one or more devices different from the embodiments. The modules of the above embodiments may be combined into one module, or further split into multiple sub-modules. The above-mentioned serial numbers of the embodiments of the present application are merely for description and do not represent the merits of the embodiments.

The disclosure of the present application is only a few specific embodiments, but the present application is not limited to these, and any variations that can be made by those skilled in the art are intended to fall within the scope of the present application.

Claims

1. An automatic payment method is applied to a mobile terminal and is characterized by comprising the following steps:

acquiring a payment notification message for the instrument;

collecting an image comprising current meter data for the meter;

2. The method of claim 1,

the acquiring of the payment notification message for the meter includes:

receiving a payment link from a server, and acquiring the payment notification message from the payment link;

or when the payment two-dimensional code is obtained, the payment notification message is obtained from the payment two-dimensional code by scanning the payment two-dimensional code;

or acquiring the payment notification message based on a payment interface provided by a third-party platform.

3. The method of claim 1, wherein before parsing the image based on a dial plate parser corresponding to the meter to obtain current meter data of the meter, the method further comprises:

analyzing mechanism information corresponding to the instrument from the payment notification message;

and acquiring the dial plate resolver corresponding to the mechanism information from the server.

4. The method of claim 1,

generating a payment response message based on the current meter data comprises:

generating a payment response message comprising the image, the mechanism information corresponding to the instrument, the user information corresponding to the instrument and the current instrument data; alternatively, the first and second electrodes may be,

acquiring last meter data corresponding to the meter, and determining electronic data information based on the current meter data and the last meter data; and generating a payment response message comprising the image, the mechanism information corresponding to the instrument, the user information corresponding to the instrument and the electronic data information.

5. An automatic payment method is applied to a server and is characterized by comprising the following steps:

establishing a payment bill by using the payment response message;

and completing the payment of the instrument by using the payment bill.

6. The method of claim 5,

the sending of the payment notification message for the instrument to the mobile terminal includes:

sending a payment link including the payment notification message to a mobile terminal so that the mobile terminal acquires the payment notification message from the payment link; alternatively, the first and second electrodes may be,

providing a payment two-dimensional code comprising the payment notification message to a mobile terminal so that the mobile terminal obtains the payment notification message from the payment two-dimensional code by scanning the payment two-dimensional code; or providing the payment notification message to the mobile terminal based on a payment interface provided by a third-party platform.

7. The method of claim 5,

before receiving the payment response message sent by the mobile terminal, the method further includes:

and sending a dial plate resolver corresponding to the mechanism information corresponding to the instrument to the mobile terminal.

8. The method of claim 5,

the establishing of the payment bill by using the payment response message comprises the following steps:

acquiring the image, the mechanism information corresponding to the instrument, the user information corresponding to the instrument and the current instrument data from the payment response message, and determining electronic data information by using the current instrument data and the last instrument data corresponding to the instrument; or acquiring the image, the mechanism information corresponding to the instrument, the user information corresponding to the instrument and the electronic data information from the payment response message;

acquiring a user account corresponding to the meter by using the mechanism information and the user information;

and creating a payment bill by using the electronic data information and the user account.

9. The method of claim 5,

the creating a payment bill by using the payment response message further comprises:

acquiring the image, mechanism information corresponding to the instrument and user information corresponding to the instrument from the payment response message, analyzing the image by using a dial plate analyzer corresponding to the mechanism information to obtain current instrument data of the instrument, and determining electronic data information based on the current instrument data and last instrument data corresponding to the instrument;

10. The utility model provides an automatic device of collecting fee, is applied to mobile terminal, its characterized in that includes:

11. The utility model provides an automatic device of collecting fee, is applied to the server, its characterized in that includes:

12. An automatic payment method is applied to a first mobile terminal and is characterized by comprising the following steps:

if yes, acquiring an image comprising current meter data of the meter;

13. The method of claim 12, wherein before parsing the image based on a dial plate parser corresponding to the meter to obtain current meter data of the meter, the method further comprises:

analyzing mechanism information corresponding to the instrument from the first payment notification message;

14. The method of claim 12,

generating a second payment response message based on the current meter data, including:

generating a second payment response message comprising the image, the mechanism information corresponding to the instrument, the user information corresponding to the instrument and the current instrument data; alternatively, the first and second electrodes may be,

acquiring last meter data corresponding to the meter, and determining electronic data information based on the current meter data and the last meter data; and generating a second payment response message comprising the image, the mechanism information corresponding to the instrument, the user information corresponding to the instrument and the electronic data information.

15. The method of claim 12,

after the determining whether the first mobile terminal collects the image, the method further includes:

if not, sending the identification information of the authorized second mobile terminal to the server so that the server generates a second payment notification message by using the identification information;

acquiring a second payment notification message for the instrument;

and pushing the second payment notification message to the second mobile terminal so that the second mobile terminal generates a first payment response message, and sending the first payment response message to a server so that the server completes payment of the instrument by using the first payment response message.

16. The method of claim 15,

the second mobile terminal generates a first payment response message, which comprises the following steps:

the second mobile terminal collects an image including current meter data of the meter;

the second mobile terminal analyzes the image based on a dial plate analyzer corresponding to the instrument to obtain current instrument data of the instrument;

and the second mobile terminal generates the first payment response message based on the current meter data.

17. The method of claim 16, wherein the second mobile terminal generates the first payment response message based on the current meter data, comprising:

the second mobile terminal generates a first payment response message comprising the image, the mechanism information corresponding to the instrument, the user information corresponding to the instrument and the current instrument data; alternatively, the first and second electrodes may be,

acquiring last meter data corresponding to the meter, and determining electronic data information based on the current meter data and the last meter data; and generating a first payment response message comprising the image, the mechanism information corresponding to the instrument, the user information corresponding to the instrument and the electronic data information.

18. The method of claim 15,

acquiring a first payment notification message or a second payment notification message for the meter, including:

receiving a payment link from the server, and acquiring the first payment notification message or the second payment notification message from the payment link;

or when the payment two-dimensional code is obtained, the first payment notification message or the second payment notification message is obtained from the payment two-dimensional code by scanning the payment two-dimensional code;

or acquiring the first payment notification message or the second payment notification message based on a payment interface provided by a third-party platform.

19. An automatic payment method is applied to a server and is characterized by comprising the following steps:

establishing a payment bill by using the second payment response message;

and completing the payment of the instrument by using the payment bill.

20. The method of claim 19,

after the first payment notification message for the instrument is sent to the first mobile terminal, the method further includes:

when the image is not collected by the first mobile terminal, receiving identification information of an authorized second mobile terminal sent by the first mobile terminal, and generating a second payment notification message by using the identification information;

sending a second payment notification message aiming at the instrument to a first mobile terminal so that the first mobile terminal pushes the second payment notification message to the second mobile terminal;

receiving a first payment response message sent by the second mobile terminal, wherein the first payment response message is generated based on current instrument data after the second mobile terminal collects an image comprising the current instrument data of the instrument and analyzes the image based on a dial plate analyzer corresponding to the instrument to obtain the current instrument data of the instrument;

judging whether the first payment response message is legal or not; if so, establishing a payment bill by using the first payment response message, and completing the payment of the instrument by using the payment bill.

21. The method of claim 20,

the generating a second payment notification message by using the identification information includes:

inquiring user data corresponding to the identification information;

and processing the user data by using a preconfigured abstract algorithm, and adding the processed user data to the first payment notification message to obtain the second payment notification message.

22. The method of claim 21,

the judging whether the first payment response message is legal or not comprises the following steps:

judging whether the first payment response message contains user data or not;

if not, determining that the first payment response message is illegal; if so, processing user data corresponding to the identification information of the second mobile terminal by using the abstract algorithm, and comparing whether the processed user data is the same as the user data contained in the first payment response message;

if the first payment response message is the same as the payment response message, determining that the first payment response message is legal;

and if not, determining that the first payment response message is illegal.

23. The method of claim 20,

before the receiving of the second payment response message sent by the first mobile terminal, the method further includes: sending a dial plate analyzer corresponding to the mechanism information corresponding to the instrument to the first mobile terminal;

before the receiving the first payment response message sent by the second mobile terminal, the method further includes: and sending a dial plate analyzer corresponding to the mechanism information corresponding to the instrument to the second mobile terminal.

24. The method of claim 20, wherein the creating a bill for payment using the first payment response message or the second payment response message comprises:

acquiring the image, the mechanism information corresponding to the instrument, the user information corresponding to the instrument and the current instrument data from the first payment response message or the second payment response message, and determining electronic data information by using the current instrument data and the last instrument data corresponding to the instrument; or acquiring the image, the mechanism information corresponding to the instrument, the user information corresponding to the instrument and the electronic data information from the first payment response message or the second payment response message;

25. The method of claim 20, wherein the creating a bill for payment using the first payment response message or the second payment response message further comprises:

acquiring the image, mechanism information corresponding to the instrument and user information corresponding to the instrument from the first payment response message or the second payment response message, analyzing the image by using a dial plate analyzer corresponding to the mechanism information to obtain current instrument data of the instrument, and determining electronic data information based on the current instrument data and last instrument data corresponding to the instrument;

26. The method of claim 20, wherein sending the first payment notification message or the second payment notification message for the meter to the first mobile terminal comprises:

sending a payment link including the first payment notification message or the second payment notification message to a first mobile terminal, so that the first mobile terminal acquires the first payment notification message or the second payment notification message from the payment link; alternatively, the first and second electrodes may be,

providing a payment two-dimensional code comprising the first payment notification message or the second payment notification message to a first mobile terminal, so that the first mobile terminal obtains the first payment notification message or the second payment notification message from the payment two-dimensional code by scanning the payment two-dimensional code; alternatively, the first and second electrodes may be,

and providing the first payment notification message or the second payment notification message to a mobile terminal based on a payment interface provided by a third-party platform.

27. The utility model provides an automatic device of collecting fee, is applied to first mobile terminal, its characterized in that includes:

28. The utility model provides an automatic device of collecting fee, is applied to the server, its characterized in that includes: