CN112330314A - Payment method, payment device and electronic equipment - Google Patents
Payment method, payment device and electronic equipment Download PDFInfo
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- CN112330314A CN112330314A CN202011085831.5A CN202011085831A CN112330314A CN 112330314 A CN112330314 A CN 112330314A CN 202011085831 A CN202011085831 A CN 202011085831A CN 112330314 A CN112330314 A CN 112330314A
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- 238000000034 method Methods 0.000 title claims abstract description 48
- 238000012795 verification Methods 0.000 claims description 9
- 238000004590 computer program Methods 0.000 claims description 8
- 230000006870 function Effects 0.000 description 9
- 238000010586 diagram Methods 0.000 description 5
- 230000005540 biological transmission Effects 0.000 description 4
- 239000000284 extract Substances 0.000 description 3
- 238000005516 engineering process Methods 0.000 description 2
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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Abstract
A payment method relates to the technical field of payment, and comprises the following steps: acquiring order information of first equipment, wherein the order information comprises a payment channel and a payment mode; analyzing the order information, and extracting the payment channel and the payment mode; configuration data are obtained based on the payment channel, a payment short chain is generated based on the configuration data and the payment mode, the payment short chain is sent to the first equipment, aggregate payment can be carried out through the method, and the problem that the existing vehicle payment means is single is solved.
Description
Technical Field
The present application relates to the field of payment technologies, and in particular, to a payment method, a payment apparatus, and an electronic device.
Background
In the platform system of the internet of vehicles, users need to purchase commodities on line and pay through various payment methods, including WeChat, Paibao and the like, and enterprises need to be able to realize various payment channels and various payment methods and meet the payment requirements of users.
Disclosure of Invention
The application provides a payment method, a payment device and electronic equipment, and also provides a computer readable storage medium to provide a payment method, provide various payment channels and meet the payment requirements of users.
In a first aspect, the present application provides a payment method, comprising:
acquiring order information of first equipment, wherein the order information comprises a payment channel and a payment mode;
analyzing order information, and extracting a payment channel and a payment mode;
acquiring configuration data based on a payment channel;
and generating a payment short chain based on the configuration data and the payment mode, and sending the payment short chain to the first equipment.
Further, generating a short payment chain based on the configuration data and the payment method comprises:
and calling a third party payment platform based on the configuration data, so that the third party platform generates a short payment chain based on the payment mode.
Further, before analyzing the order information, the method further comprises:
acquiring an account to be paid, wherein the account to be paid is a payment account of the first device;
and carrying out security verification on the account to be paid.
Further, the payment method includes any one of code scanning payment, H5 payment and APP payment.
In a second aspect, the present application provides a payment device comprising:
the first acquisition module is used for acquiring order information of the first equipment, wherein the order information comprises a payment channel and a payment mode;
the analysis module is used for analyzing the order information and extracting a payment channel and a payment mode;
the second acquisition module is used for acquiring configuration data based on the payment channel;
and the generating module is used for generating a payment short chain based on the configuration data and the payment mode and sending the payment short chain to the first equipment.
Further, the generation module is also used for calling a third party payment platform based on the configuration data, so that the third party platform generates a short payment chain based on the payment mode.
Further, still include:
the third acquisition module is used for acquiring an account to be paid, wherein the account to be paid is a payment account of the first device;
and the verification module is used for performing security verification on the account to be paid.
Further, the payment method includes one of code scanning payment, H5 payment, and APP payment.
In a third aspect, the present application provides an electronic device, comprising:
at least one processor; and
at least one memory communicatively coupled to the processor, wherein:
the memory stores program instructions executable by the processor, and the processor calls the program instructions to perform the payment method described above.
In a fourth aspect, the present application provides a computer program product for causing a computer to perform the above-described payment method when the computer program product is run on the computer.
In a possible design, the program in the fourth aspect may be stored in whole or in part on a storage medium packaged with the processor, or in part or in whole on a memory not packaged with the processor.
Drawings
Fig. 1 is a schematic diagram of an electronic device provided in an embodiment of the present application;
FIG. 2 is a flow chart of a payment method provided in one embodiment of the present application;
FIG. 3 is a flow diagram of another payment method provided by one embodiment of the present application;
fig. 4 is a schematic structural diagram of a payment device according to an embodiment of the present application;
Detailed Description
The technical solutions in the embodiments of the present application will be described below with reference to the drawings in the embodiments of the present application. In the description of the embodiments herein, "/" means "or" unless otherwise specified, for example, a/B may mean a or B; "and/or" herein is merely an association describing an associated object, and means that there may be three relationships, e.g., a and/or B, which may mean: a exists alone, A and B exist simultaneously, and B exists alone.
In the following, the terms "first", "second" are used for descriptive purposes only and are not to be understood as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more of that feature. In the description of the embodiments of the present application, "a plurality" means two or more unless otherwise specified.
In the platform system of internet of vehicles, users need to purchase goods online and pay through various payment methods, including (WeChat, Paibao, etc.), enterprises need to be able to realize multiple payment channels and various payment methods and meet the payment requirements of users.
The current payment system has the following problems: the payment mode and the payment channel are single, and the expansibility of the third-party payment platform is not enough. For example, when a car owner wants to purchase a certain commodity, the payment mode or payment channel of the current car owner is set after the car owner leaves the factory, so that the user can be subjected to a condition that payment cannot be performed at some time.
In addition, there is a security risk in the access of the external order system, the channel for transmitting information through the internet is fragile, and the transmission process is easily damaged by the outside world, so to ensure the safe and accurate transmission of information, the account security problem needs to be solved by using an encryption technology.
Fig. 1 is a schematic diagram of an electronic device according to an embodiment of the present invention. As shown in fig. 1, the electronic apparatus 1 of the embodiment includes: processor 11, memory 12, and computer program 13 stored in memory 12 and operable on processor 11, where when executed by processor 11, computer program 13 implements the payment method in the embodiment, and for avoiding repetition, it is not described herein in detail. Alternatively, the computer program is executed by the processor 11 to implement the functions of the modules/units of the payment apparatus in the embodiments, which are not described herein for avoiding repetition.
The electronic device 1 includes, but is not limited to, a processor 11, a memory 12. It will be appreciated by those skilled in the art that fig. 1 is merely an example of an electronic device and does not constitute a limitation of the electronic device 1 and may comprise more or less components than those shown, or some components may be combined, or different components, e.g. the electronic device 1 may further comprise input output devices, network access devices, buses, etc.
The Processor 11 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, discrete hardware component, or the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The memory 12 may be an internal storage unit of the electronic device 1, such as a hard disk or a memory of the electronic device 1. The memory 12 may also be an external storage device of the electronic device 1, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like provided on the electronic device 1. Further, the memory 12 may also include both an internal storage unit and an external storage device of the electronic device 1. The memory 12 is used for storing computer programs and other programs and data required by the electronic device 1. The memory 12 may also be used to temporarily store data that has been output or is to be output.
Referring to fig. 2, in particular, a flowchart of an embodiment of a payment method according to the present application, which may be used for the electronic device 1 described above, includes:
The payment channel includes but is not limited to one of 'WeChat', 'Paibao', 'Unionpay' and the like, and the payment mode includes one of code scanning payment, H5 payment, APP payment and the like
The first device comprises a terminal device of a user side, and specifically comprises a smart phone, a smart watch, a smart tablet, a vehicle machine and other devices, after a user selects a commodity on the terminal device, the user submits an order to prepare for payment, the application generates order information according to the commodity selected by the user, the order information includes, but is not limited to, specific commodity information, payment channel information, payment mode information, a user name, a commodity amount, a merchant number, an order number and the like, the first device sends the order information to the electronic device 1, and the electronic device 1 is a device capable of performing payment receiving processing.
the electronic device 1 analyzes the order information, and extracts a payment channel and a payment method from the order information.
It has been shown above that the payment channel and payment format are determined based on the user's selection, for example, when the user purchases a certain commodity, the user can select the payment channel as "pay for Bao" and the payment method as "pay by scan" on the user interface. The electronic device 1 may extract the information from the order information.
After the payment channel information is extracted from the electronic device 1, configuration data is obtained based on the payment channel information, and the configuration data is used for generating a payment mode. Each payment channel comprises related configuration data, a payment short chain related to a payment mode can be generated when the configuration data are called, and the payment short chain can be converted into the corresponding payment mode after being sent to terminal equipment of a user. For example, the "payment instrument" has related configuration data, and the configuration data may be used to obtain a short payment chain related to "code scanning payment", that is, invoking the configuration data may generate a short payment chain related to a payment method, and send the short payment chain to a terminal device (first device) of a user, and the terminal device may generate a two-dimensional code based on the short payment chain.
And 208, generating a payment short chain based on the configuration data and the payment mode, and sending the payment short chain to the first equipment.
It has been shown above that the first device may receive the short chain of payments, convert and display the short chain of payments as the payment method selected by the user. For example, the payment method selected by the user is code scanning payment, the electronic device 1 sends the relevant payment chain to the user, and the user can display the two-dimensional code based on the payment chain.
Fig. 3 is a flowchart provided in another embodiment of a payment method according to the present application, which specifically includes:
step 302 corresponds to step 202, and is not described herein again.
The access of the existing order system has a safety risk, the channel for transmitting information through the Internet is fragile, the transmission process is easily damaged by the outside, and the safe and accurate transmission of the information is difficult to guarantee, so that the user account can be verified before a payment mode is selected.
Step 306 corresponds to step 204, and is not described herein again.
And 308, calling a third party payment platform based on the configuration data, enabling the third party platform to generate a payment short chain based on the payment mode, and sending the payment short chain to the terminal equipment of the user, so that the user can pay.
The step shows the step of generating the related short payment chain specifically by means of the configuration data and the payment method, specifically, the payment chain may be acquired by a third party payment platform, the third party payment platform is associated with the payment channel, since the configuration data is acquired based on the payment channel, the configuration data is input to a third party platform interface associated with the payment channel, and the third party platform interface generates the related short payment chain in combination with the related payment method.
And sending the short payment chain to the terminal equipment (first equipment) of the user so as to convert the short payment chain into a specific payment mode.
In another aspect, the present application further provides a payment apparatus, and fig. 4 is a structural diagram of the payment apparatus, where the payment apparatus includes:
a first obtaining module 402, configured to obtain order information of a first device, where the order information includes a payment channel and a payment method;
the analysis module 404 is configured to analyze order information and extract a payment channel and a payment method;
a second obtaining module 406, configured to obtain configuration data based on a payment channel;
the generating module 408 is configured to generate a payment chain based on the configuration data and the payment method, and send the payment chain to the first device.
The generating module 408 is further configured to invoke a third party payment platform based on the configuration data, so that the third party platform generates a short payment chain based on the payment method, and sends the short payment chain to the first device.
The payment device can also comprise a third acquisition module, a second acquisition module and a third display module, wherein the third acquisition module is used for acquiring an account to be paid, and the account to be paid is a payment account of the first device;
and the verification module is used for performing security verification on the account to be paid.
The application provides an electronic device, including:
at least one processor; and
at least one memory communicatively coupled to the processor, wherein:
the memory stores program instructions executable by the processor, and the processor calls the program instructions to perform the payment method described above.
It should be understood that the interface connection relationship between the modules according to the embodiment of the present invention is only an exemplary illustration, and does not limit the structure of the electronic device. In other embodiments of the present application, the electronic device may also adopt different interface connection manners or a combination of multiple interface connection manners in the above embodiments.
It is to be understood that the electronic devices and the like described above include hardware structures and/or software modules for performing the respective functions in order to realize the functions described above. Those of skill in the art will readily appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as hardware or combinations of hardware and computer software. Whether a function is performed as hardware or computer software drives hardware depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present embodiments.
In the embodiment of the present application, the electronic device and the like may be divided into functional modules according to the method example, for example, each functional module may be divided according to each function, or two or more functions may be integrated into one processing module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. It should be noted that, the division of the modules in the embodiment of the present invention is schematic, and is only a logic function division, and there may be another division manner in actual implementation.
Through the above description of the embodiments, it is clear to those skilled in the art that, for convenience and simplicity of description, the foregoing division of the functional modules is merely used as an example, and in practical applications, the above function distribution may be completed by different functional modules according to needs, that is, the internal structure of the device may be divided into different functional modules to complete all or part of the above described functions. For the specific working processes of the system, the apparatus and the unit described above, reference may be made to the corresponding processes in the foregoing method embodiments, and details are not described here again.
Each functional unit in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solutions of the embodiments of the present application may be essentially implemented or make a contribution to the prior art, or all or part of the technical solutions may be implemented in the form of a software product stored in a storage medium and including instructions for causing an electronic device (which may be a personal computer, a server, or a network device) or a processor to execute all or part of the steps of the methods described in the embodiments of the present application. And the aforementioned storage medium includes: flash memory, removable hard drive, read only memory, random access memory, magnetic or optical disk, and the like.
The above description is only an embodiment of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions within the technical scope of the present disclosure should be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (10)
1. A payment method, comprising:
acquiring order information of first equipment, wherein the order information comprises a payment channel and a payment mode;
analyzing the order information, and extracting the payment channel and the payment mode;
obtaining configuration data based on the payment channel;
and generating a payment short chain based on the configuration data and the payment mode, and sending the payment short chain to the first equipment.
2. The method of claim 1, wherein generating a short payment chain based on the configuration data and the payment method comprises:
and calling a third party payment platform based on the configuration data, so that the third party platform generates a short payment chain based on the payment mode.
3. The method of claim 1, wherein prior to parsing the order information, further comprising:
acquiring an account to be paid, wherein the account to be paid is a payment account of the first device;
and carrying out security verification on the account to be paid.
4. The method of claim 1,
the payment mode comprises any one of code scanning payment, H5 payment and APP payment.
5. A payment device, comprising:
the first acquisition module is used for acquiring order information of the first equipment, wherein the order information comprises a payment channel and a payment mode;
the analysis module is used for analyzing the order information and extracting the payment channel and the payment mode;
the second acquisition module is used for acquiring configuration data based on the payment channel;
and the generating module is used for generating a payment short chain based on the configuration data and the payment mode and sending the payment short chain to the first equipment.
6. The payment device of claim 6, comprising:
the generation module is further used for calling a third party payment platform based on the configuration data, so that the third party platform generates a short payment chain based on the payment mode.
7. The payment device of claim 6, further comprising:
the third acquisition module is used for acquiring an account to be paid, wherein the account to be paid is a payment account of the first device;
and the verification module is used for performing security verification on the account to be paid.
8. Payment apparatus according to claim 6, wherein said payment means includes any one of a swipe code payment, an H5 payment, an APP payment.
9. An electronic device, comprising:
at least one processor; and
at least one memory communicatively coupled to the processor, wherein:
the memory stores program instructions executable by the processor, the processor invoking the program instructions to enable execution of a payment method as claimed in any one of claims 1 to 4.
10. A computer program product, characterized in that it causes a computer to carry out the payment method according to any one of claims 1-4, when said computer program product is run on the computer.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011085831.5A CN112330314A (en) | 2020-10-12 | 2020-10-12 | Payment method, payment device and electronic equipment |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011085831.5A CN112330314A (en) | 2020-10-12 | 2020-10-12 | Payment method, payment device and electronic equipment |
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| CN112330314A true CN112330314A (en) | 2021-02-05 |
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| CN202011085831.5A Pending CN112330314A (en) | 2020-10-12 | 2020-10-12 | Payment method, payment device and electronic equipment |
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| CN111061577A (en) * | 2019-12-11 | 2020-04-24 | 万表名匠(广州)科技有限公司 | Third party payment processing system and method |
| CN111639927A (en) * | 2020-05-25 | 2020-09-08 | 上海中通吉网络技术有限公司 | Method and system for collecting money of network cashier desk |
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2020
- 2020-10-12 CN CN202011085831.5A patent/CN112330314A/en active Pending
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| CN106485481A (en) * | 2016-10-19 | 2017-03-08 | 深圳市茁壮网络股份有限公司 | Method of payment, system, payment management platform and TV end equipment by all kinds of means |
| CN106529923A (en) * | 2016-11-15 | 2017-03-22 | 青岛优悠乐联信息有限公司 | Collection service method with access of all networks through one point |
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Address after: 101500 room 106-266, building 2, courtyard 8, Xingsheng South Road, Miyun District, Beijing Applicant after: Unicom Zhiwang Technology Co.,Ltd. Address before: 101500 room 106-266, building 2, courtyard 8, Xingsheng South Road, Miyun District, Beijing Applicant before: Unicom Intelligent Network Technology Co., Ltd |