Background
In the existing online shopping mode, a user orders after browsing commodities in an online shopping mall, a payment mode of the online shopping mall is usually initiated by a shopping mall end actively, and the user performs online transaction operation according to the payment initiated by the shopping mall end, so that a payment process is completed.
However, in practical applications, part of users do not complete payment immediately after placing an order, and the way that the mall side initiates payment actively after placing an order from the user affects normal use of the user, and the way of initiating payment directly without passing authentication also increases the risk of payment errors.
Disclosure of Invention
The invention provides an online payment method, which aims to solve the technical problems that the normal use of a user is influenced by a mode that a mall end actively initiates payment after the user places an order, and the risk of payment errors is increased by a mode that the payment is directly initiated without passing identity authentication in the prior art.
In order to solve the above technical problem, an embodiment of the present invention provides an online payment method, including:
after the user side determines to place an order, receiving client information sent by the user side;
performing identity authentication on the user side according to the client information, and acquiring the amount to be paid when the identity authentication is passed;
and sending payment information to the user side according to the amount to be paid so as to enable the user side to complete payment.
Preferably, the customer information includes user account information and order information.
As a preferred scheme, the step of obtaining the amount to be paid includes: and acquiring all the order information which is determined to be placed by the user side, and counting the payment amount in all the order information to obtain the amount to be paid.
As a preferred scheme, the step of sending payment information to the user terminal according to the amount to be paid so that the user terminal completes payment includes: and generating a payment two-dimensional code according to the amount of money to be paid and sending the payment two-dimensional code to the user side so as to enable the user side to complete payment.
Accordingly, another embodiment of the present invention provides an online payment apparatus, including:
the information receiving module is used for receiving the client information sent by the user side after the user side determines to order;
the identity authentication module is used for performing identity authentication on the user side according to the client information, and acquiring the amount to be paid when the identity authentication is passed;
and the payment processing module is used for sending payment information to the user side according to the amount to be paid so as to enable the user side to complete payment.
Preferably, the customer information includes user account information and order information.
As a preferred scheme, the step of obtaining the amount to be paid by the identity authentication module includes: and acquiring all the order information which is determined to be placed by the user side, and counting the payment amount in all the order information to obtain the amount to be paid.
As a preferred scheme, the payment processing module is configured to send payment information to the user side according to the amount to be paid, so that the step of completing payment by the user side includes: and generating a payment two-dimensional code according to the amount of money to be paid and sending the payment two-dimensional code to the user side so as to enable the user side to complete payment.
An embodiment of the present invention further provides a computer-readable storage medium, where the computer-readable storage medium includes a stored computer program; wherein the computer program, when executed, controls an apparatus in which the computer-readable storage medium is located to perform an online payment method as in any one of the above.
An embodiment of the present invention further provides a terminal device, which includes a processor, a memory, and a computer program stored in the memory and configured to be executed by the processor, where the processor, when executing the computer program, implements the online payment method according to any one of the above items.
Compared with the prior art, the embodiment of the invention has the following beneficial effects:
according to the technical scheme, after the user side determines to place an order, the user side sends the client information to perform identity authentication to initiate payment, so that the technical problems that the normal use of a user is influenced by a mode that the mall side initiates payment actively after the user places the order, and the risk of payment errors is increased by a mode that payment is initiated directly without passing identity authentication in the prior art are solved, and the online payment method for initiating payment actively by the user side is provided, so that the online payment safety is improved, and the online shopping experience of the user is improved.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Example one
Referring to fig. 1, a flowchart of steps of an online payment method according to an embodiment of the present invention includes steps 101 to 103, where the steps are as follows:
step 101, after the user terminal determines to order, receiving the client information sent by the user terminal. In this embodiment, the customer information includes user account information and order information.
And 102, performing identity authentication on the user side according to the client information, and acquiring the amount to be paid when the identity authentication is passed.
In this embodiment, the step of obtaining the amount to be paid includes: and acquiring all the order information which is determined to be placed by the user side, and counting the payment amount in all the order information to obtain the amount to be paid.
And 103, sending payment information to the user side according to the amount to be paid so that the user side completes payment.
In this embodiment, the step of sending payment information to the user end according to the amount of money to be paid so that the user end completes payment includes: and generating a payment two-dimensional code according to the amount of money to be paid and sending the payment two-dimensional code to the user side so as to enable the user side to complete payment.
Specifically, as shown in fig. 2, a flow chart of a two-dimensional code scanning payment principle of the embodiment of the present invention is shown. And filling the amount of money to be paid by the client in the system by the mall end according to the client information, generating a corresponding two-dimensional code, sending the two-dimensional code to the client through WeChat and IM for code scanning payment, and directly calling back a payment result by the system after the payment is successful. The system of the method needs to verify that the input is correct customer information, and the payment can only be used by a corresponding customer after success, so that the risk of using the money wrongly is reduced.
In another embodiment, payment can also be made through an applet, as shown in fig. 3, which is a flowchart of the applet payment principle of an embodiment of the present invention. The client searches the applet, fills in the payment amount, initiates payment actively, and after the payment is successful, the system directly calls back to synchronously generate a payment record, but the client can only provide the transaction number of the payment record to the consultant to be used for order payment. The embodiment pays in real time and improves the efficiency of payment and ordering.
In another embodiment, payment may also be made through bank and payroll transfer, as shown in fig. 4, which is a flow chart illustrating a principle of bank and payroll transfer payment according to an embodiment of the present invention. The customer transfers money through a bank and a payer offline, the financial system confirms that the money is paid, then the payment record is imported into the system, and the mall end can directly inquire and use the system according to the detailed information of the money transfer provided by the customer. In the embodiment, payment is carried out through multiple channels, and workers can inquire and use the payment through a self-service money checking mode.
According to the technical scheme, after the user side determines to place an order, the user side sends the client information to perform identity authentication to initiate payment, so that the technical problems that the normal use of a user is influenced by a mode that the mall side initiates payment actively after the user places the order, and the risk of payment errors is increased by a mode that payment is initiated directly without passing identity authentication in the prior art are solved, and the online payment method for initiating payment actively by the user side is provided, so that the online payment safety is improved, and the online shopping experience of the user is improved.
Example two
Accordingly, referring to fig. 5, a schematic structural diagram of an online payment apparatus according to another embodiment of the present invention is shown, including: the system comprises an information receiving module, an identity authentication module and a payment processing module.
And the information receiving module is used for receiving the client information sent by the user side after the user side determines to order. In this embodiment, the customer information includes user account information and order information.
And the identity authentication module is used for performing identity authentication on the user side according to the client information, and acquiring the amount to be paid when the identity authentication is passed.
In this embodiment, the step of the identity authentication module being configured to obtain the amount to be paid includes: and acquiring all the order information which is determined to be placed by the user side, and counting the payment amount in all the order information to obtain the amount to be paid.
And the payment processing module is used for sending payment information to the user side according to the amount to be paid so as to enable the user side to complete payment.
In this embodiment, the step of sending payment information to the user terminal according to the amount of money to be paid by the payment processing module, so that the user terminal completes payment includes: and generating a payment two-dimensional code according to the amount of money to be paid and sending the payment two-dimensional code to the user side so as to enable the user side to complete payment.
EXAMPLE III
An embodiment of the present invention further provides a computer-readable storage medium, where the computer-readable storage medium includes a stored computer program; wherein the computer program, when running, controls the device on which the computer readable storage medium is located to perform the online payment method of any of the above embodiments.
Example four
The embodiment of the present invention further provides a terminal device, where the terminal device includes a processor, a memory, and a computer program stored in the memory and configured to be executed by the processor, and the processor, when executing the computer program, implements the online payment method according to any of the above embodiments.
Preferably, the computer program may be divided into one or more modules/units (e.g., computer program) that are stored in the memory and executed by the processor to implement the invention. The one or more modules/units may be a series of computer program instruction segments capable of performing specific functions, which are used for describing the execution process of the computer program in the terminal device.
The Processor may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic device, a discrete Gate or transistor logic device, a discrete hardware component, etc., the general purpose Processor may be a microprocessor, or the Processor may be any conventional Processor, the Processor is a control center of the terminal device, and various interfaces and lines are used to connect various parts of the terminal device.
The memory mainly includes a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program required for at least one function, and the like, and the data storage area may store related data and the like. In addition, the memory may be a high speed random access memory, may also be a non-volatile memory, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash Card (Flash Card), and the like, or may also be other volatile solid state memory devices.
It should be noted that the terminal device may include, but is not limited to, a processor and a memory, and those skilled in the art will understand that the terminal device is only an example and does not constitute a limitation of the terminal device, and may include more or less components, or combine some components, or different components.
The above-mentioned embodiments are provided to further explain the objects, technical solutions and advantages of the present invention in detail, and it should be understood that the above-mentioned embodiments are only examples of the present invention and are not intended to limit the scope of the present invention. It should be understood that any modifications, equivalents, improvements and the like, which come within the spirit and principle of the invention, may occur to those skilled in the art and are intended to be included within the scope of the invention.