CN113516479A - Method, device and equipment for quick payment and storage medium thereof - Google Patents
Method, device and equipment for quick payment and storage medium thereof Download PDFInfo
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- CN113516479A CN113516479A CN202110797346.9A CN202110797346A CN113516479A CN 113516479 A CN113516479 A CN 113516479A CN 202110797346 A CN202110797346 A CN 202110797346A CN 113516479 A CN113516479 A CN 113516479A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
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Abstract
The application provides a method, a device, equipment and a storage medium for quick payment, wherein the method comprises the following steps: receiving a plurality of payment requests initiated by a user within a preset time; wherein the payment request includes a payment amount value for the target settleable order; the target settleable orders correspond to the payment requests one by one; determining the total amount of the target settleable orders corresponding to the plurality of payment requests; when the total amount value is within a preset amount threshold value, payment settlement is carried out on the target settlement orders corresponding to the payment requests by adopting a first payment type; when the total amount value exceeds the preset amount threshold value, performing payment settlement on the target settlement orders corresponding to the payment requests by adopting a second payment type; the invention can select the payment mode desired by the user during shopping payment, thereby ensuring the payment safety.
Description
Technical Field
The present application relates to the field of payment, and in particular, to a method, an apparatus, a device and a storage medium for fast payment.
Background
Payment, meaning payment, multi-fingered payment, is a financial exchange that occurs between a buyer and a seller, and is a process of transferring money and debt due to socio-economic activities. Payment includes transaction, clearing and settlement.
The payment method includes a plurality of different payment methods, such as payment by cash, credit card payment, online payment, PayPal payment, bank wire transfer and postal transfer.
At present, with the development trend of e-commerce, more and more people shop on the internet, so that different shopping APPs are derived, and the shopping APPs have corresponding activities in certain specific days, so that people can shop on the shopping APPs; at present, people can not pay according to own requirements or can not select a payment mode with better safety according to the amount of money when shopping orders are paid.
Disclosure of Invention
In view of the problems, the present application is proposed to provide a method, apparatus, device and storage medium thereof for fast payment that overcomes or at least partially solves the problems, including:
a method of quick payment, comprising:
receiving a plurality of payment requests initiated by a user within a preset time; wherein the payment request includes a payment amount value for the target settleable order; the target settleable orders correspond to the payment requests one by one;
determining the total amount of the target settleable orders corresponding to the plurality of payment requests;
when the total amount value is within a preset amount threshold value, payment settlement is carried out on the target settlement orders corresponding to the payment requests by adopting a first payment type; and when the total amount value exceeds the preset amount threshold value, performing payment settlement on the target settlement orders corresponding to the plurality of payment requests by adopting a second payment type.
Further, the step of receiving a plurality of payment requests initiated by the user within a preset time includes:
receiving a payment request initiated by a user;
when the payment request is the first payment request in the preset time, setting a receiving time point for receiving the payment request as a starting time point of the preset time; when the payment request is a non-first payment request within the preset time, determining whether a time difference between a receiving time point for receiving the payment request and the starting time point is equal to the preset time;
and receiving a plurality of payment requests within the preset time.
Further, the step of determining a total value of the payment value corresponding to the plurality of payment requests includes:
acquiring the characteristic information type of the target settleable order; wherein the characteristic information type comprises a mark or no mark;
when the characteristic information type of the target settleable order is marked, setting the target settleable order as a settleable order;
and generating the total amount value according to the payment amount value corresponding to the settlement order.
Further, the step of setting the target settleable order as a settleable order when the characteristic information type of the target settleable order is marked comprises:
generating a plurality of target settleable orders according to commodities needing to be settled in a shopping system;
acquiring a plurality of target settleable orders to generate a plurality of characteristic information types corresponding to the plurality of target settleable orders;
and when the characteristic information type of the target settleable order is marked, determining that the target settleable order is the settleable order.
Further, when the total amount value is within a preset amount threshold value, performing payment settlement on the target settlement orders corresponding to the payment requests by adopting a first payment type; when the total amount value exceeds the preset amount threshold value, performing payment settlement on the target settleable orders corresponding to the plurality of payment requests by adopting a second payment type, wherein the step comprises the following steps of:
when the total amount value is smaller than the preset amount threshold value, determining that a payment mode is the first payment type, specifically, the first payment type is third-party payment; or, when the sum of the money is greater than the preset money threshold, determining that the payment mode is the second payment type, specifically, the second payment type is internet bank payment;
and carrying out payment settlement on the target settleable orders of the plurality of payment requests through the third party payment or the online bank payment.
Further, when the total amount value is within a preset amount threshold value, performing payment settlement on the target settlement orders corresponding to the payment requests by adopting a first payment type; when the total amount value exceeds the preset amount threshold value, performing payment settlement on the target settleable orders corresponding to the plurality of payment requests by adopting a second payment type, wherein the step comprises the following steps:
the first payment type or the second payment type carries out payment processing respectively according to the total amount value to generate a payment result;
and generating payment completion information in the shopping system according to the payment result.
Further, the step of generating payment completion information in the shopping system according to the payment result comprises:
obtaining payment information within the payment result, wherein the payment information comprises a failure or a success;
when the payment information is successful, generating the payment completion information in the shopping system.
An apparatus for quick payment, comprising:
the system comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving a plurality of payment requests initiated by a user within preset time; wherein the payment request includes a payment amount value for the target settleable order; the target settleable orders correspond to the payment requests one by one;
the determining module is used for determining the total amount value of the target settleable orders corresponding to the plurality of payment requests;
the processing module is used for carrying out payment settlement on the target settlement orders corresponding to the plurality of payment requests by adopting a first payment type when the total amount value is within a preset amount threshold value; and when the total amount value exceeds the preset amount threshold value, performing payment settlement on the target settlement orders corresponding to the plurality of payment requests by adopting a second payment type.
A computer device comprising a processor, a memory and a computer program stored on the memory and capable of running on the processor, the computer program, when executed by the processor, implementing the steps of a method of quick payment as described above.
A computer-readable storage medium having stored thereon a computer program which, when executed by a processor, carries out the steps of a method of quick payment as described above.
The application has the following advantages:
in an embodiment of the present application, the payment request is initiated by a user within a preset time; wherein the payment request includes a payment amount value for the target settleable order; the target settleable orders correspond to the payment requests one by one; determining the total amount of the target settleable orders corresponding to the plurality of payment requests; when the total amount value is within a preset amount threshold value, payment settlement is carried out on the target settlement orders corresponding to the payment requests by adopting a first payment type; and when the total amount value exceeds the preset amount threshold value, performing payment settlement on the target settlement orders corresponding to the plurality of payment requests by adopting a second payment type. The invention can select the payment mode desired by the user during shopping payment, thereby ensuring the payment safety.
Drawings
In order to more clearly illustrate the technical solutions of the present application, the drawings needed to be used in the description of the present application will be briefly introduced below, and it is apparent that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without inventive labor.
FIG. 1 is a flow chart illustrating steps of a method for quick payment according to an embodiment of the present application;
FIG. 2 is a flow chart illustrating steps of a method for quick payment according to an embodiment of the present application;
FIG. 3 is a flow chart illustrating steps of a method for quick payment according to an embodiment of the present application;
FIG. 4 is a flow chart illustrating steps of a method for quick payment according to an embodiment of the present application;
FIG. 5 is a flow chart illustrating steps of a method for quick payment according to an embodiment of the present application;
FIG. 6 is a flow chart illustrating steps of a method for quick payment according to an embodiment of the present application;
FIG. 7 is a flow chart illustrating steps of a method for quick payments, according to an embodiment of the present application;
FIG. 8 is a block diagram of an apparatus for quick payment according to an embodiment of the present application;
fig. 9 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the aforementioned objects, features and advantages of the present application more comprehensible, the present application is described in further detail with reference to the accompanying drawings and the detailed description. It is to be understood that the embodiments described are only a few embodiments of the present application and not all 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 application.
Referring to fig. 1, a flow chart illustrating steps of a method for quick payment according to an embodiment of the present application is shown;
the method comprises the following steps:
s110, receiving a plurality of payment requests initiated by a user within preset time; wherein the payment request includes a payment amount value for the target settleable order; the target settleable orders correspond to the payment requests one by one;
s120, determining the total amount value of the target settleable orders corresponding to the plurality of payment requests;
s130, when the total amount value is within a preset amount threshold value, performing payment settlement on the target settlement orders corresponding to the payment requests by adopting a first payment type; and when the total amount value exceeds the preset amount threshold value, performing payment settlement on the target settlement orders corresponding to the plurality of payment requests by adopting a second payment type.
In an embodiment of the present application, the payment request is initiated by a user within a preset time; wherein the payment request includes a payment amount value for the target settleable order; the target settleable orders correspond to the payment requests one by one; determining the total amount of the target settleable orders corresponding to the plurality of payment requests; when the total amount value is within a preset amount threshold value, payment settlement is carried out on the target settlement orders corresponding to the payment requests by adopting a first payment type; and when the total amount value exceeds the preset amount threshold value, performing payment settlement on the target settlement orders corresponding to the plurality of payment requests by adopting a second payment type. The invention can select the payment mode desired by the user during shopping payment, thereby ensuring the payment safety.
A method of quick payment in the present exemplary embodiment will be further described below.
Receiving a plurality of payment requests initiated by the user within a preset time as described in the step S110; wherein the payment request includes a payment amount value for the target settleable order; the target settleable orders correspond one-to-one to the payment requests.
In the case where the payment request is generated based on a plurality of accounts payable orders, the order number and the order amount corresponding to the order number can be known in the payment request.
In a specific implementation, a settlement-capable order is obtained in a shopping system, a corresponding payment request is generated according to the settlement-capable order, and the order number Z and a payment amount value corresponding to the order number, namely, an order amount Y, are obtained.
In an embodiment of the present invention, the step S110 "receiving several payment requests initiated by the user within a preset time may be further explained in conjunction with the following description; wherein the payment request includes a payment amount value for the target settleable order; the target settleable order and the payment request are in one-to-one correspondence.
Referring to fig. 2, a flow chart illustrating steps of a method for quick payment provided by an embodiment of the present application is shown; as will be described in the following steps,
s210, receiving a payment request initiated by a user;
s220, when the payment request is the first payment request in the preset time, setting a receiving time point for receiving the payment request as a starting time point of the preset time; when the payment request is a non-first payment request within the preset time, determining whether a time difference between a receiving time point for receiving the payment request and the starting time point is equal to the preset time;
and S230, receiving a plurality of payment requests in the preset time.
It should be noted that, by receiving a payment request initiated by a user from a shopping system, where the payment request has a time limit, the corresponding payment request needs to be completed within a certain time, that is, a preset time is set, and the payment request needs to be completed within the preset time.
As an example, when the payment request is the first payment request within the preset time, setting a receiving time point of receiving the payment request as a starting time point of the preset time; i.e. when the current payment request is the first payment request, the point in time when this first payment request is received is taken as the starting time of the preset time.
As an example, when the payment request is a non-first payment request within the preset time, determining whether a time difference between a reception time point of receiving the payment request and the start time point is equal to the preset time; i.e. the current payment request is not the first payment request, it needs to be determined whether the time difference between the point of time when the payment request is received and the starting point of time is a preset time.
Determining a total amount of the target settleable order corresponding to the plurality of payment requests, as described in step S120.
In an embodiment of the present invention, the specific process of determining the total amount of the target settleable order corresponding to the payment requests in step S120 may be further described with reference to the following description.
Referring to fig. 3, a flow chart illustrating steps of a method for quick payment provided by an embodiment of the present application is shown; as will be described in the following steps,
s310, acquiring the characteristic information type of the target settleable order; wherein the characteristic information type comprises a mark or no mark;
s320, when the characteristic information type of the target settleable order is marked, setting the target settleable order as a settleable order;
s330, generating the total amount value according to the payment amount value corresponding to the settlement order.
It should be noted that the target settleable order is obtained through the shopping system; and acquiring the characteristic information type of the target settleable order, wherein the characteristic information type comprises a mark or no mark, the marked target settleable order is used as a settleable order, and then all settleable orders are generated into the total amount.
In a specific implementation, a set a of all target settleable orders is obtained in the shopping system a, the target settleable orders with marks, such as a1, a2, a4, an and the like, are screened from the set a, the target settleable orders a1, a2, a4 and an are determined to be settleable orders, payment amount values corresponding to the settleable orders a1, a2, a4 and an are obtained respectively, and all the payment amount values are added to obtain a total value of the amount, namely the total amount is obtained by adding the payment amount values.
If the type of the characteristic information of the target settleable order is marked, the target settleable order is set as a settleable order in step S320.
In an embodiment of the present invention, a specific process of "when the characteristic information type of the target settleable order is marked, the target settleable order is set as a settleable order" in step S320 may be further described with reference to the following description.
Referring to fig. 4, a flow chart illustrating steps of a method for quick payment provided by an embodiment of the present application is shown; as will be described in the following steps,
s410, generating a plurality of target settleable orders according to commodities needing to be settled in the shopping system;
s420, acquiring a plurality of target settleable orders to generate a plurality of characteristic information types corresponding to the plurality of target settleable orders;
s430, when the characteristic information type of the target settleable order is marked, determining that the target settleable order is the settleable order.
It should be noted that, in the target settleable orders generated according to the commodities needing to be settled in the shopping system, the commodity information can be known only by the user, and for all the obtained target settleable orders, only the order numbers and the money amounts are obtained, and other commodity information and the personal information of the user are not obtained.
It should be noted that the shopping system may refer to shopping APP (application, mobile software), shopping website, and other software or programs for having shopping properties; in one embodiment of the present application, the shopping system is a shopping APP.
It should be noted that the shopping system requires authorization to allow access to all target settleable orders in the shopping system.
It should be noted that, in the shopping system, there may be an item that is added to the shopping cart only for collection by the user, and this item may be mistaken as an order that needs to be settled, but actually not, so it is necessary to obtain a target settleable order, filter all target settleable orders through the characteristic information corresponding to the order, and identify the target settleable order with the mark as a settleable order.
As an example, the number of shopping systems may be multiple, after the shopping system gives permission to obtain all target settleable orders, all target settleable orders may be obtained in different shopping systems, and all target settleable orders are screened according to the feature information corresponding to all target settleable orders one by one, and the target settleable orders with the marks are regarded as settleable orders.
In a specific implementation, in a certain shopping APP, all target settleable orders are obtained through a shopping cart, then target settleable orders with marks are screened from all target settleable orders, and the target settleable orders with the marks are determined as settleable orders.
If the total amount value is within the preset amount threshold, performing payment settlement on the target settlement orders corresponding to the plurality of payment requests by using a first payment type; and when the total amount value exceeds the preset amount threshold value, performing payment settlement on the target settlement orders corresponding to the plurality of payment requests by adopting a second payment type.
In an embodiment of the present invention, the step S130 may be further described with reference to the following description, where "when the total amount value is within the preset amount threshold, the target settleable orders corresponding to the payment requests are subjected to payment settlement by using the first payment type; and when the total amount value exceeds the preset amount threshold value, performing payment settlement on the target settleable orders corresponding to the plurality of payment requests by adopting a second payment type.
Referring to fig. 5, a flow chart illustrating steps of a method for quick payment provided by an embodiment of the present application is shown; as will be described in the following steps,
s510, when the total amount value is smaller than the preset amount threshold value, determining that a payment mode is the first payment type, specifically, the first payment type is third-party payment; or, when the sum of the money is greater than the preset money threshold, determining that the payment mode is the second payment type, specifically, the second payment type is internet bank payment;
s520, payment settlement is carried out on the target settlement orders of the payment requests through the third party payment or the online bank payment.
It should be noted that the total amount value is compared with a preset amount threshold, and a payment mode is selected according to the comparison result, so that the payment interface corresponding to the payment mode is skipped.
As an example, the preset amount threshold value can be set by the user according to the consumption condition or the consumption condition.
It should be noted that, the total amount value is compared with the preset amount threshold, and when the total amount value is smaller than the preset amount threshold, it is determined that the payment mode is the first payment type, that is, the total amount value in the payment order information is paid through third-party payment.
It should be noted that, the total amount value is compared with the preset amount threshold, and when the total amount value is greater than the preset amount threshold, it is determined that the payment mode is the second payment type, that is, the total amount value in the payment order information is paid through online banking payment.
As an example, the third party payment may be a la carta, a pay pal, a converged pal, a WeChat payment, or the like; the online banking payment may be debit card payment and credit card payment that can support various banks.
In one specific implementation, the preset monetary threshold is set to 10000 yuan; when the total amount value is less than 10000 Yuanren banknotes, determining the payment mode as a first payment type; when the total sum of money is greater than 10000 yuan RMB, determining that the payment mode is a second payment type; in addition, the currency type is not limited in the application, and the user can set the preset amount threshold according to the currency used by the user.
If the total amount value is within the preset amount threshold, performing payment settlement on the target settlement orders corresponding to the plurality of payment requests by using a first payment type; and when the total amount value exceeds the preset amount threshold value, performing payment settlement on the target settlement orders corresponding to the plurality of payment requests by adopting a second payment type.
In an embodiment of the present invention, the step S130 may be further described with reference to the following description, where "when the total amount value is within the preset amount threshold, the target settleable orders corresponding to the payment requests are subjected to payment settlement by using the first payment type; and when the total amount value exceeds the preset amount threshold value, performing payment settlement on the target settleable orders corresponding to the plurality of payment requests by adopting a second payment type.
Referring to fig. 6, a flow chart illustrating steps of a method for quick payment provided by an embodiment of the present application is shown; as will be described in the following steps,
s610, the first payment type or the second payment type carries out payment processing respectively according to the total amount value to generate a payment result;
and S620, generating payment completion information in the shopping system according to the payment result.
It should be noted that, after the payment processing is completed according to the first payment type or the second payment type through the first payment type or the second payment type, a corresponding payment result is generated, and corresponding payment completion information is generated in the corresponding shopping system, that is, the user can check whether the payment is completed in the corresponding shopping APP after the payment.
As an example, after the payment of the total amount of money is completed on the payment system or the payment page corresponding to the first payment type or the second payment type, a payment result is generated according to the result of the payment, and is correspondingly returned to the shopping APP, corresponding payment completion information is generated in the shopping APP according to the payment result, and the payment completion information is used for displaying the payment result in the shopping APP.
As an example, when the payment of the amount is completed, the payment completed in the shopping APP is returned to the shopping APP, and the shopping APP displays corresponding payment completed information according to the specific situation of the payment result, that is, whether the payment is successful or not.
And generating payment completion information in the shopping system according to the payment result as described in the step S620.
In an embodiment of the present invention, the specific process of "generating payment completion information in the shopping system according to the payment result" in step S620 may be further described in conjunction with the following description.
Referring to fig. 7, a flow chart illustrating steps of a method for quick payment provided by an embodiment of the present application is shown; as will be described in the following steps,
s710, obtaining payment information in the payment result, wherein the payment information comprises failure or success;
s720, when the payment information is successful, generating the payment completion information in the shopping system.
It should be noted that the payment information in the payment result only contains failure or success, and only when the payment information is successful, the payment completion information is generated in the shopping APP; if the payment information is failure, payment completion information cannot be generated in the shopping APP.
For the device embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, refer to the partial description of the method embodiment.
Referring to fig. 8, a block diagram of an apparatus for fast payment according to an embodiment of the present application is shown;
the method specifically comprises the following steps:
a receiving module 810, configured to receive a number of payment requests initiated by a user within a preset time; wherein the payment request includes a payment amount value for the target settleable order; the target settleable orders correspond to the payment requests one by one;
a determining module 820, configured to determine a total amount of the target settleable order corresponding to the plurality of payment requests;
a processing module 830, configured to perform payment settlement on the target settleable orders corresponding to the plurality of payment requests by using a first payment type when the total amount value is within a preset amount threshold; when the total amount value exceeds the preset amount threshold value, performing payment settlement on the target settleable orders corresponding to the plurality of payment requests by adopting a second payment type
In an embodiment of the present invention, the receiving module 810 includes:
the first receiving submodule is used for receiving a payment request initiated by a user;
a first determining submodule, configured to set a receiving time point of receiving the payment request as a starting time point of the preset time when the payment request is a first payment request within the preset time; when the payment request is a non-first payment request within the preset time, determining whether a time difference between a receiving time point for receiving the payment request and the starting time point is equal to the preset time;
and the second receiving submodule is used for receiving a plurality of payment requests within the preset time.
In an embodiment of the present invention, the determining module 820 includes:
the first obtaining submodule is used for obtaining the characteristic information type of the target settleable order; wherein the characteristic information type comprises a mark or no mark;
the first setting submodule is used for setting the target settleable order as a settleable order when the characteristic information type of the target settleable order is marked;
and the first generation submodule is used for generating the total amount value according to the payment amount value corresponding to the settleable order.
In an embodiment of the present invention, the first setting sub-module includes:
the second generation submodule is used for generating a plurality of target settleable orders according to the commodities needing to be settled in the shopping system;
a third generation submodule, configured to obtain a plurality of target settleable orders and generate a plurality of feature information types corresponding to the plurality of target settleable orders;
a second determining sub-module, configured to determine that the target settleable order is the settleable order if the type of the characteristic information of the target settleable order is marked.
In an embodiment of the present invention, the processing module 830 includes:
a third determining submodule, configured to determine that a payment manner is the first payment type when the total amount value is smaller than the preset amount threshold, specifically, the first payment type is third-party payment; or, when the sum of the money is greater than the preset money threshold, determining that the payment mode is the second payment type, specifically, the second payment type is internet bank payment;
and the first payment sub-module is used for carrying out payment settlement on the target settleable orders of the plurality of payment requests through the third party payment or the online bank payment.
In an embodiment of the present invention, after the processing module 830, the method includes:
the fourth generation submodule is used for carrying out payment processing on the first payment type or the second payment type according to the total amount value to generate a payment result;
and the fifth generation submodule is used for generating payment completion information in the shopping system according to the payment result.
In an embodiment of the present invention, the fifth generating sub-module includes:
an acquisition unit, configured to acquire payment information within the payment result, where the payment information includes a failure or a success;
and the generating unit is used for generating the payment completion information in the shopping system when the payment information is successful.
Referring to fig. 9, a computer device of a quick payment method of the present invention is shown, which may specifically include the following:
the computer device 12 described above is embodied in the form of a general purpose computing device, and the components of the computer device 12 may include, but are not limited to: one or more processors or processing units 16, a system memory 28, and a bus 18 that couples various system components including the system memory 28 and the processing unit 16.
The system memory 28 may include computer system readable media in the form of volatile memory, such as Random Access Memory (RAM)30 and/or cache memory 32. Computer device 12 may further include other removable/non-removable, volatile/nonvolatile computer system storage media. By way of example only, storage system 34 may be used to read from and write to non-removable, nonvolatile magnetic media (commonly referred to as "hard drives"). Although not shown in FIG. 9, a magnetic disk drive for reading from and writing to a removable, nonvolatile magnetic disk (e.g., a "floppy disk") and an optical disk drive for reading from or writing to a removable, nonvolatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to bus 18 by one or more data media interfaces. The memory may include at least one program product having a set (e.g., at least one) of program modules 42, with the program modules 42 configured to carry out the functions of embodiments of the invention.
A program/utility 40 having a set (at least one) of program modules 42 may be stored, for example, in memory, such program modules 42 including, but not limited to, an operating system, one or more application programs, other program modules 42, and program data, each of which examples or some combination thereof may comprise an implementation of a network environment. Program modules 42 generally carry out the functions and/or methodologies of the described embodiments of the invention.
The processing unit 16 executes various functional applications and data processing by executing programs stored in the system memory 28, for example, to implement a method for quick payment provided by an embodiment of the present invention.
That is, the processing unit 16 implements, when executing the program,: receiving a plurality of payment requests initiated by a user within a preset time; wherein the payment request includes a payment amount value for the target settleable order; the target settleable orders correspond to the payment requests one by one; determining the total amount of the target settleable orders corresponding to the plurality of payment requests; when the total amount value is within a preset amount threshold value, payment settlement is carried out on the target settlement orders corresponding to the payment requests by adopting a first payment type; and when the total amount value exceeds the preset amount threshold value, performing payment settlement on the target settlement orders corresponding to the plurality of payment requests by adopting a second payment type.
In an embodiment of the present invention, the present invention further provides a computer-readable storage medium, on which a computer program is stored, which when executed by a processor, implements a method for fast payment as provided in all embodiments of the present application:
that is, the program when executed by the processor implements: receiving a plurality of payment requests initiated by a user within a preset time; wherein the payment request includes a payment amount value for the target settleable order; the target settleable orders correspond to the payment requests one by one; determining the total amount of the target settleable orders corresponding to the plurality of payment requests; when the total amount value is within a preset amount threshold value, payment settlement is carried out on the target settlement orders corresponding to the payment requests by adopting a first payment type; and when the total amount value exceeds the preset amount threshold value, performing payment settlement on the target settlement orders corresponding to the plurality of payment requests by adopting a second payment type.
Any combination of one or more computer-readable media may be employed. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
A computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Computer program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the operator's computer, partly on the operator's computer, as a stand-alone software package, partly on the operator's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the operator's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider). The embodiments in the present specification are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other.
While preferred embodiments of the present application have been described, additional variations and modifications of these embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including the preferred embodiment and all such alterations and modifications as fall within the true scope of the embodiments of the application.
Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or terminal that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or terminal. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or terminal that comprises the element.
The method, the apparatus, the device and the storage medium for fast payment provided by the present application are introduced in detail, and a specific example is applied in the present application to explain the principle and the implementation of the present application, and the description of the above embodiment is only used to help understand the method and the core idea of the present application; meanwhile, for a person skilled in the art, according to the idea of the present application, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present application.
Claims (10)
1. A method of quick payment, comprising:
receiving a plurality of payment requests initiated by a user within a preset time; wherein the payment request includes a payment amount value for the target settleable order; the target settleable orders correspond to the payment requests one by one;
determining the total amount of the target settleable orders corresponding to the plurality of payment requests;
when the total amount value is within a preset amount threshold value, payment settlement is carried out on the target settlement orders corresponding to the payment requests by adopting a first payment type; and when the total amount value exceeds the preset amount threshold value, performing payment settlement on the target settlement orders corresponding to the plurality of payment requests by adopting a second payment type.
2. The method of claim 1, wherein the step of receiving a plurality of payment requests initiated by the user within a predetermined time comprises:
receiving a payment request initiated by a user;
when the payment request is the first payment request in the preset time, setting a receiving time point for receiving the payment request as a starting time point of the preset time; when the payment request is a non-first payment request within the preset time, determining whether a time difference between a receiving time point for receiving the payment request and the starting time point is equal to the preset time;
and receiving a plurality of payment requests within the preset time.
3. The method of claim 1, wherein the step of determining a total of the payment value values for the payment requests comprises:
acquiring the characteristic information type of the target settleable order; wherein the characteristic information type comprises a mark or no mark;
when the characteristic information type of the target settleable order is marked, setting the target settleable order as a settleable order;
and generating the total amount value according to the payment amount value corresponding to the settlement order.
4. The method of claim 3, wherein the step of setting the target settleable order as a settleable order when the characteristic information type of the target settleable order is marked comprises:
generating a plurality of target settleable orders according to commodities needing to be settled in a shopping system;
acquiring a plurality of target settleable orders to generate a plurality of characteristic information types corresponding to the plurality of target settleable orders;
and when the characteristic information type of the target settleable order is marked, determining that the target settleable order is the settleable order.
5. The method of claim 1, wherein when the total amount value is within a preset amount threshold, then payment settlement is performed for the target settleable orders corresponding to the plurality of payment requests using a first payment type; when the total amount value exceeds the preset amount threshold value, performing payment settlement on the target settleable orders corresponding to the plurality of payment requests by adopting a second payment type, wherein the step comprises the following steps of:
when the total amount value is smaller than the preset amount threshold value, determining that a payment mode is the first payment type, specifically, the first payment type is third-party payment; or, when the sum of the money is greater than the preset money threshold, determining that the payment mode is the second payment type, specifically, the second payment type is internet bank payment;
and carrying out payment settlement on the target settleable orders of the plurality of payment requests through the third party payment or the online bank payment.
6. The method of claim 1, wherein when the total amount value is within a preset amount threshold, then payment settlement is performed for the target settleable orders corresponding to the plurality of payment requests using a first payment type; when the total amount value exceeds the preset amount threshold value, performing payment settlement on the target settleable orders corresponding to the plurality of payment requests by adopting a second payment type, wherein the step comprises the following steps:
the first payment type or the second payment type carries out payment processing respectively according to the total amount value to generate a payment result;
and generating payment completion information in the shopping system according to the payment result.
7. The method of claim 6, wherein the step of generating payment completion information within the shopping system based on the payment result comprises:
obtaining payment information within the payment result, wherein the payment information comprises a failure or a success;
when the payment information is successful, generating the payment completion information in the shopping system.
8. An apparatus for quick payment, comprising:
the system comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving a plurality of payment requests initiated by a user within preset time; wherein the payment request includes a payment amount value for the target settleable order; the target settleable orders correspond to the payment requests one by one;
the determining module is used for determining the total amount value of the target settleable orders corresponding to the plurality of payment requests;
the processing module is used for carrying out payment settlement on the target settlement orders corresponding to the plurality of payment requests by adopting a first payment type when the total amount value is within a preset amount threshold value; and when the total amount value exceeds the preset amount threshold value, performing payment settlement on the target settlement orders corresponding to the plurality of payment requests by adopting a second payment type.
9. A computer device comprising a processor, a memory, and a computer program stored on the memory and capable of running on the processor, the computer program, when executed by the processor, implementing the method of any one of claims 1 to 7.
10. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1 to 7.
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