CN113657886B - Payment system, method, server device, medium and device - Google Patents
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G—PHYSICS
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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Abstract
The specification discloses a payment system, a method, a server device, a medium and a device, comprising: the payment system provided by the embodiment of the specification can be utilized to provide a payment system capable of being used for unified collection, for merchant users with a large number of collection business requirements, the characteristic information of two-dimension codes for collection generated by different payment channels is extracted, a mapping relation between a unified collection account and the characteristic information of the two-dimension codes is established in the payment system, when a consumer user scans the two-dimension codes for collection provided by the merchant users, the unified collection account of the merchant users can be determined based on the characteristic information of the two-dimension codes and the pre-established mapping relation, the merchant users can collect payment amounts paid by the consumer through different payment channels by using the unified collection account, the uniformity and convenience of collection are effectively improved, and meanwhile, the user experience of the consumer to the two-dimension code collection is improved.
Description
Technical Field
The present disclosure relates to the field of computer technologies, and in particular, to a payment system, a payment method, a server device, a medium, and a device.
Background
The two-dimensional code is used as a new coding mode, a certain specific geometric figure is used according to a certain rule, and the data symbol information is recorded by distributing the figures with black and white intervals on a plane (namely, a two-dimensional direction). With the development of mobile internet technology, two-dimensional codes are widely used in various fields as a brand new information storage, transmission and identification technology. In practical application, different payment channels will generate different two-dimensional codes according to the generation rule of the two-dimensional codes. Some two-dimensional codes can be used as payment codes for paying to other people; still other two-dimensional codes may be used as checkout codes for effecting checkout from others, and so on.
However, the present embodiments provide a payment system to promote uniformity and convenience of collection.
Disclosure of Invention
In view of this, the embodiments of the present disclosure provide a payment system, a payment method, a payment server device, a payment medium and a payment device for improving the uniformity and convenience of the payment method.
The embodiment of the specification adopts the following technical scheme:
embodiments of the present specification provide a payment system comprising:
the method comprises the steps that a first terminal device scans two-dimensional code information provided by a first object, extracts characteristic information corresponding to the two-dimensional code information from the two-dimensional code information and sends the characteristic information to a first server device;
The first server equipment receives the characteristic information sent by the first terminal equipment, determines a collection account of the first object corresponding to the received characteristic information according to the corresponding relation between different prestored characteristic information and collection accounts of different objects, generates payment information based on the collection account and payment amount, and sends the payment information to the first terminal equipment, wherein the payment information also comprises at least one payment channel; in the corresponding relation, the collection account of the first object corresponds to the characteristic information of the two-dimensional code for collection generated by different payment channels; the collection account of the first object collects through any one of the at least one payment channel;
the first terminal equipment receives the payment information sent by the first server equipment, selects one payment channel from the at least one payment channel, and sends the selected payment channel carried in the payment confirmation information to the first server equipment to finish payment.
The embodiment of the specification also provides a payment method, which comprises the following steps:
receiving characteristic information sent by first terminal equipment, wherein the characteristic information is obtained by the first terminal equipment by scanning two-dimensional code information provided by a first object and extracting the two-dimensional code information;
Determining the collection account of the first object corresponding to the received characteristic information according to the corresponding relation between different characteristic information and collection accounts of different objects stored in advance;
generating payment information based on the collection account and the payment amount, and sending the payment information to the first terminal device, wherein the payment information further comprises at least one payment channel; in the corresponding relation, the collection account of the first object corresponds to the characteristic information of the two-dimensional code for collection generated by different payment channels; the collection account of the first object collects through any one of the at least one payment channel;
and receiving the payment confirmation information sent by the first terminal equipment to finish payment, wherein the payment confirmation information carries a payment channel selected by the first terminal equipment from the payment channels contained in the payment information.
The embodiment of the specification also provides a server device, which includes:
the receiving unit is used for receiving the characteristic information sent by the first terminal equipment, wherein the characteristic information is obtained by the first terminal equipment by scanning the two-dimensional code information provided by the first object and extracting the two-dimensional code information;
A determining unit for determining the collection account of the first object corresponding to the received characteristic information according to the corresponding relation between different characteristic information and collection accounts of different objects stored in advance;
a sending unit for generating payment information based on the collection account and the payment amount, and sending the payment information to the first terminal device, wherein the payment information also comprises at least one payment channel; in the corresponding relation, the collection account of the first object corresponds to the characteristic information of the two-dimensional code for collection generated by different payment channels; the collection account of the first object collects through any one of the at least one payment channel;
the receiving unit receives the payment confirmation information sent by the first terminal device to complete payment, wherein the payment confirmation information carries a payment channel selected by the first terminal device from payment channels contained in the payment information.
The present description also provides a computer-readable storage medium having stored thereon computer program instructions which, when executed by a processor, implement the payment method described above.
The embodiment of the present specification also provides a data processing apparatus, including: at least one processor, at least one memory, and computer program instructions stored in the memory, which when executed by the processor, implement the payment method described above.
The above-mentioned at least one technical scheme that this description embodiment adopted can reach following beneficial effect:
according to the technical scheme provided by the embodiment of the specification, the payment system capable of being used for unified collection is provided, for merchant users with a large number of collection business requirements, the payment system provided by the embodiment of the specification can be utilized, the mapping relation between the unified collection account and the characteristic information of the two-dimensional codes is established in the payment system by extracting the characteristic information of the two-dimensional codes generated by different payment channels, when a consumer user scans the two-dimensional codes provided by the merchant user and used for collection, the unified collection account of the merchant user can be determined based on the characteristic information of the two-dimensional codes and the pre-established mapping relation, so that the merchant user can collect payment amounts paid by the consumer through different payment channels by using the unified collection account, the uniformity and convenience of collection are effectively improved, and meanwhile, the user experience of the consumer to the two-dimensional code collection is improved.
Drawings
The accompanying drawings, which are included to provide a further understanding of the specification, illustrate and explain the exemplary embodiments of the present specification and their description, are not intended to limit the specification unduly. In the drawings:
fig. 1 is a schematic structural diagram of a payment system according to an embodiment of the present disclosure;
fig. 2 is a schematic flow chart of a payment method according to an embodiment of the present disclosure;
fig. 3 is a schematic structural diagram of a server device according to an embodiment of the present disclosure;
fig. 4 is a schematic structural diagram of a server device according to an embodiment of the present disclosure.
Detailed Description
With the development of mobile internet and internet financial technology, the use of two-dimensional codes to complete payment transaction in practical application is becoming more and more popular. Different payment channels correspond to different two-dimensional code generation rules, so that different two-dimensional codes are generated based on the different two-dimensional code generation rules. This means that a two-dimensional code can only be identified under the same payment channel. For example: the two-dimensional code corresponding to the payment channel A cannot be identified by the user through the client device supporting the payment channel B, and the user can only use the client device supporting the payment channel A to identify so as to finish payment or collection. Thus, for merchants engaged in production and operation activities, two-dimension codes of different payment channels are generally required to be provided for consumers, so that the consumers can conveniently select two-dimension codes suitable for themselves to pay. But for merchants may need to maintain accounts for multiple payment channels, increasing the operating costs of the merchant.
In order to solve the problems described in the present specification and achieve the purposes of the present specification, embodiments of the present specification provide a payment system, a method, a server device, a medium, and a device capable of being used for unified payment, and for a merchant user who has a large amount of payment service requirements, the payment system provided in the embodiment of the present specification may be used to establish a mapping relationship between a unified payment account and feature information of two-dimensional codes generated by different payment channels in the payment system by extracting the feature information of the two-dimensional codes, and when a consumer user scans the two-dimensional codes provided by the merchant user for payment, the unified payment account of the merchant user may be determined based on the feature information of the two-dimensional codes and the pre-established mapping relationship, so that the merchant user uses the unified payment account to collect payment amounts paid by the consumer through different payment channels, thereby effectively improving uniformity and convenience of payment, and improving user experience of the consumer for two-dimensional code payment.
It should be noted that, the different payment channels described in the embodiments of the present disclosure may be understood as payment channels provided by different institutions, for example: a payment channel provided by a different bank, a payment channel provided by a third party payment platform, etc.; and may also be understood as payment channels provided by different paymate platforms. For example: a "UnionPay" of banking systems, an "Apple Pay" of Apple Inc., and so forth.
The two-dimensional code described in the embodiment of the present specification may refer to a cash register having a cash register function; or application code with a collection function; other forms of the material code with the collection function are also possible, and the form is not particularly limited here.
The "first" of the "first object" described in the embodiments of the present specification does not refer to any one object or user, but refers to any one object or user, and the "first" does not mean to limit the first.
The technical solutions of the present specification will be clearly and completely described below with reference to specific embodiments of the present specification and corresponding drawings. It will be apparent that the described embodiments are only some, but not all, of the embodiments of the present specification. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are intended to be within the scope of the present disclosure.
The payment system provided in the embodiments of the present disclosure includes an application client and a server device, where the application client includes, but is not limited to, two functions: the first function is provided for use by the production operator (or merchant user), in this embodiment corresponding to the second terminal device; the second function is provided for consumer use, and corresponds to the first terminal device in this embodiment of the present specification. After the application client is downloaded, the user can select to use the application client by himself based on the own requirements.
Specifically, the first type of functionality includes, but is not limited to: and extracting the characteristic values of the two-dimension codes corresponding to different payment channels, sending the extracted characteristic values to the server equipment, and establishing and storing the mapping relation between the set unified collection account and the characteristic values of the two-dimension codes in the server equipment.
The second function includes, but is not limited to: when a consumer takes place in a store, a payment is initiated, which means that the store has a cash transaction taking place. At this time, the shop user provides the two-dimensional code for collection to the consumer, the consumer starts the application client described in the embodiment of the specification in the terminal device, scans the two-dimensional code provided by the shop user through the application client, analyzes and extracts the characteristic information of the two-dimensional code, and sends the extracted characteristic information to the server device, so that the server device determines a unified collection account corresponding to the shop user based on the characteristic information of the two-dimensional code, and the server device further achieves the purpose of collecting payment amount through the unified collection account through the payment method described in the embodiment of the specification.
The following describes in detail the technical solutions provided by the embodiments of the present specification with reference to the accompanying drawings.
Fig. 1 is a schematic structural diagram of a payment system according to an embodiment of the present disclosure. The payment system includes: a first terminal device 101, a first server device 102, and a second server device 103, wherein:
the first terminal equipment 101 scans the two-dimensional code information provided by the first object, extracts the characteristic information corresponding to the two-dimensional code information from the two-dimensional code information and sends the characteristic information to the first server equipment;
the first server device 102 receives the feature information sent by the first terminal device, determines a collection account of the first object corresponding to the feature information according to a corresponding relation between different pre-stored feature information and collection accounts of different objects, generates payment information based on the collection account and payment amount, and sends the payment information to the first terminal device, wherein the payment information further comprises at least one payment channel;
the first terminal device 101 receives the payment information sent by the first server device, selects a payment channel from the payment channels, and sends the payment channel carried in payment confirmation information to the first server device;
The first server device 102 receives the payment confirmation information sent by the first terminal device, generates a payment request according to the payment channel, the payment amount, the device identifier of the first terminal device and the collection account contained in the payment confirmation information, and sends the payment request to a second server device corresponding to the payment channel;
and a second server device 103 for receiving the payment request sent by the first server device, determining a payment account according to the device identifier of the terminal device included in the payment request, and paying the payment amount from the payment account to the collection account.
The present specification also provides another embodiment, the payment system further comprising: a second terminal device 104, wherein:
the second terminal device 104 scans at least one two-dimensional code for collecting money provided by the first object, extracts characteristic information corresponding to the two-dimensional code, and sends the characteristic information carried in the collection information to the first server device;
the first server device 102 receives the collection information sent by the second terminal device, determines a collection account of the first object, and establishes and stores a correspondence between the feature information and the collection account.
The present disclosure further provides another embodiment, where the second terminal device 104 receives the registration information sent by the first server device, loads and displays the registration information, prompts the first object to input user information, and the user information includes collection account information for collection; transmitting the user information input by the first object to the first server device;
the first server device 102 receives and stores the user information sent by the second terminal device; and determining a collection account of the first object according to the stored user information.
The present disclosure also provides another embodiment, where the first server device 102 generates a payment page based on the collection account and the payment amount, and sends the payment page to the first terminal device, where the payment page further includes at least one payment channel;
the first terminal device 101 receives, loads and displays a payment page sent by the first server device, and prompts a user to select a payment channel based on the payment page; and according to the payment channel selected by the user, carrying the payment channel in payment confirmation information and sending the payment confirmation information to the first server equipment.
The present disclosure also provides another embodiment, where the second server device 103, when receiving a payment request sent by the first server device, searches, according to a device identifier of the terminal device included in the payment request, a payment account corresponding to the device identifier, generates a payment page, and sends the payment page to the first server device;
the first server device 102 receives the payment page and sends the payment page to the first terminal device;
the first terminal device 101 receives, loads and displays the payment page, prompts the user to input payment authorization information, so that the second server device establishes a transfer channel between the payment account and the collection account under the condition that the payment authorization information is received, and pays the payment amount from the payment account to the collection account through the transfer channel.
According to the technical scheme provided by the embodiment of the specification, the payment system capable of being used for unified collection is provided, for merchant users with a large number of collection business requirements, the payment system provided by the embodiment of the specification can be utilized, the mapping relation between the unified collection account and the characteristic information of the two-dimensional codes is established in the payment system by extracting the characteristic information of the two-dimensional codes generated by different payment channels, when a consumer user scans the two-dimensional codes provided by the merchant user and used for collection, the unified collection account of the merchant user can be determined based on the characteristic information of the two-dimensional codes and the pre-established mapping relation, the merchant user can collect payment amounts paid by the consumer through different payment channels by using the unified collection account, the uniformity and convenience of collection are effectively improved, and meanwhile, the user experience of the consumer user to the two-dimensional code collection is improved.
Fig. 2 is a schematic flow chart of a payment method according to an embodiment of the present disclosure. The method may be as follows.
Step 201: the second terminal device scans the two-dimensional code for collection provided by the first object through the second acquisition interface.
The application client provided in the embodiments of the present disclosure sets an acquisition interface, where the acquisition interface may correspond to an input port of hardware, or may correspond to an input port that implements a function through software, for example: a "sweep-to-sweep" function port, etc. The acquisition interface may have a function of scanning a two-dimensional code (or an applet code), may have a function of scanning and identifying a two-dimensional code (or an applet code), may have other functions, and the like. The manner in which the acquisition interface has the scanning and recognition functions is illustrated in fig. 2 of the embodiment of the present disclosure. In the embodiments of the present disclosure, "first" and "second" in the "first acquisition interface" and "second acquisition interface" have no special meaning, and only denote different interfaces, meaning that the functions corresponding to the different interfaces are different. In the embodiment of the present disclosure, the function difference between the first acquisition interface and the second acquisition interface is that: the second acquisition interface can trigger the server device to perform a "mapping relationship establishment" operation after scanning the two-dimensional code, for example: the second acquisition interface is a code scanning binding interface; the first collection interface can trigger payment after scanning the two-dimensional code, so that unified collection is realized, for example: the first acquisition interface is a code scanning payment interface.
The first object described in the embodiments of the present disclosure downloads and installs the application client in the used terminal device, and scans a plurality of different two-dimensional codes by using the second acquisition interface provided by the application client after the application client is started to run, where the two-dimensional codes have the characteristics of having a collection function.
The different two-dimensional codes recorded herein can be understood as two-dimensional codes corresponding to different payment channels, that is to say, for one of the two-dimensional codes, collection can be realized through the payment channel corresponding to the two-dimensional code; the payment channels corresponding to different two-dimensional codes are different.
For example: the two-dimensional code 1 for collecting money corresponding to the payment channel A shows that a collection account contained in the two-dimensional code 1 can collect money through a payment mode set by the payment channel A; the two-dimensional code 2 for collecting money corresponding to the payment channel B shows that a collection account contained in the two-dimensional code 2 can collect money through a payment mode set by the payment channel B; … …. Then in this illustrative embodiment, the first object may generate different two-dimensional codes for the checkout based on different paymate platforms. For example: two-dimensional code 1 and two-dimensional code 2. In step 201, the first object may scan the two-dimensional code 1 and the two-dimensional code 2 through the second acquisition interface provided by the application client running in the embodiment of the present disclosure.
Step 203: and the second terminal equipment extracts the characteristic information of the two-dimension code.
In the embodiment of the specification, the application client can send the scanned two-dimensional code to the server device, and the server device identifies the two-dimensional code; the two-dimensional code may be identified when the two-dimensional code is scanned, and the main body for identifying the two-dimensional code is not particularly limited.
Means for identifying two-dimensional codes include, but are not limited to: analyzing the two-dimensional code and extracting the characteristic information of the two-dimensional code.
Characteristic values herein include, but are not limited to: code value of the checkout code, user information, etc. The specific implementation manner used for extracting the feature information of the two-dimensional code in the embodiment of the present disclosure may be an existing implementation manner in the prior art, or may be other manners, as long as the feature information of the two-dimensional code can be obtained, and the specific implementation manner of extracting the two-dimensional code will not be described in detail here.
Step 205: the second terminal device carries the characteristic information in the collection information and sends the characteristic information to the first server device.
Step 207: the first server device determines a collection account of the first object upon receiving the collection information.
In an embodiment provided in the present specification, the first server device searches stored collection account information of the first object according to the received collection information, and determines a collection account of the first object according to the collection account information.
Specifically, after the application client is installed, the first object may receive, through the second terminal device, registration information sent by the first server device, and if the second terminal device receives the registration information, load and display the registration information, and prompt the first object to input user information, where the user information includes collection account information for collection; transmitting the user information input by the first object to the first server device; the first server device receives and stores the user information sent by the second terminal device; and determining a collection account of the first object according to the stored user information.
It should be noted that, registration on the application client is implemented through a registration page provided by the application client. The registration function is similar to the registration function described in the prior art, and detailed implementation is not repeated. The difference is that a unified collection account setting item may be included in the registration page, i.e., the first object enters an account in the unified collection account setting item, causing the account to be used to effect unified collection. In addition, the application client may also send the registration information to the server device when receiving the registration information input by the first object, where the server device configures a unified collection account for the first object, where the unified collection account is used to implement unified collection.
Step 209: the first server device establishes and stores a correspondence between the characteristic information and the collection account.
In the embodiment of the present disclosure, a collection account of a merchant may correspond to feature information of a plurality of two-dimensional codes, so that the merchant is convenient to achieve the purpose of unified collection by the method provided in the present disclosure.
In the embodiment of the present disclosure, if the merchant needs to view the correspondence established by the server device, the application client may obtain the correspondence from the server device, so that the merchant can view the bound two-dimensional code information locally. The first object can be flexibly deleted or added based on the displayed two-dimensional code information.
In the embodiment provided in the specification, the relationship between the two-dimension code for collecting money and the collecting account for collecting money is established by the merchant user in the above manner, so that the merchant user can realize unified collecting money in production and management activities by utilizing the relationship.
Step 211: the method comprises the steps that a first terminal device scans two-dimensional code information provided by a first object, extracts characteristic information corresponding to the two-dimensional code information from the two-dimensional code information, and sends the characteristic information to a first server device.
In the embodiment of the present specification, once a consumer user generates a consumption behavior in a store provided by a merchant user, and a fee is paid to the merchant user, an application client installed on the mobile device used may be started, and a two-dimensional code for collection provided by the merchant user (for example, the first object described in the embodiment of the present specification) is scanned through a first acquisition interface provided by the application client. The two-dimensional code for collecting money provided by the first object can be a plurality of codes or one code. As for which two-dimensional code the consumer user scans, the consumer user can select by himself, and only one two-dimensional code is scanned by the consumer user.
Step 213: the first server equipment receives the characteristic information sent by the first terminal equipment, and determines the receiving account of the first object corresponding to the characteristic information according to the corresponding relation between different prestored characteristic information and receiving accounts of different objects.
In the present illustrative embodiment, upon receiving the feature information, the first server device retrieves whether or not there is a correspondence relation related to the feature information based on the feature information. If the corresponding relation exists, a collection account of the first object can be determined; if the correspondence relationship does not exist, the fact that the collection account of the first object cannot be determined is meant, and at this time, the first server device may send a payment failure message to the first terminal device.
Step 215: the first server device generates payment information based on the collection account and the payment amount, and sends the payment information to the first terminal device, wherein the payment information also comprises at least one payment channel.
In the embodiment of the specification, the first server device generates a payment page based on the collection account and the payment amount, and sends the payment page to the first terminal device, wherein the payment page further comprises at least one payment channel.
Step 217: the first terminal equipment receives the payment information sent by the first server equipment, selects one payment channel from the payment channels, and sends the payment channel carried in the payment confirmation information to the first server equipment.
In the embodiment of the specification, the first terminal equipment receives, loads and displays a payment page sent by the first server equipment, and prompts a user to select a payment channel based on the payment page; and according to the payment channel selected by the user, carrying the payment channel in payment confirmation information and sending the payment confirmation information to the first server equipment.
For example: the first server device may include a plurality of payment channels in the payment page such that a consumer user may select one of the plurality of payment channels.
It should be noted that, the server device may also display a payment channel corresponding to the two-dimensional code scanned by the first terminal device in the payment page, if the payment channel corresponding to the two-dimensional code scanned is "WeChat payment", and the payment channel selected by the user is also "WeChat payment", then the second server device determined subsequently is the server device corresponding to "WeChat payment"; if the payment channel corresponding to the scanned two-dimensional code is 'WeChat payment', and the payment channel selected by the user is 'Payment', the second server device determined later is the server device corresponding to 'Payment'.
Step 219: the first server device receives the payment confirmation information sent by the first terminal device, generates a payment request according to the payment channel, the payment amount, the device identifier of the first terminal device and the collection account contained in the payment confirmation information, and sends the payment request to a second server device corresponding to the payment channel.
Step 221: and the second server equipment receives the payment request sent by the first server equipment, determines a payment account according to the equipment identifier of the terminal equipment contained in the payment request, and pays the payment amount from the payment account to the collection account.
In the embodiment of the present disclosure, when receiving a payment request sent by the first server device, the second server device searches a payment account corresponding to the device identifier according to the device identifier of the terminal device included in the payment request, generates a payment page, and sends the payment page to the first server device;
the first server device receives the payment page and sends the payment page to the first terminal device; the first terminal equipment receives, loads and displays the payment page, prompts the user to input payment authorization information, and is convenient for the second server equipment to establish a transfer channel between the payment account and the collection account under the condition that the payment authorization information is received, and pays the payment amount from the payment account to the collection account through the transfer channel.
According to the technical scheme provided by the embodiment of the specification, the payment system capable of being used for unified collection is provided, for merchant users with a large number of collection business requirements, the payment system provided by the embodiment of the specification can be utilized, the mapping relation between the unified collection account and the characteristic information of the two-dimensional codes is established in the payment system by extracting the characteristic information of the two-dimensional codes generated by different payment channels, when a consumer user scans the two-dimensional codes provided by the merchant user and used for collection, the unified collection account of the merchant user can be determined based on the characteristic information of the two-dimensional codes and the pre-established mapping relation, the merchant user can collect payment amounts paid by the consumer through different payment channels by using the unified collection account, the uniformity and convenience of collection are effectively improved, and meanwhile, the user experience of the consumer user to the two-dimensional code collection is improved.
Based on the same inventive concept, fig. 3 is a schematic structural diagram of a server device according to an embodiment of the present disclosure. The server device includes: a receiving unit 301, a determining unit 302, a transmitting unit 303, and a payment processing unit 304, wherein:
a receiving unit 301, configured to receive feature information sent by a first terminal device, where the feature information is obtained by the first terminal device by scanning two-dimensional code information provided by a first object and extracting the two-dimensional code information from the two-dimensional code information;
a determining unit 302, configured to determine a collection account of the first object corresponding to the feature information according to a correspondence between different feature information stored in advance and collection accounts of different objects;
a transmitting unit 303, configured to generate payment information based on the collection account and the payment amount, and transmit the payment information to the first terminal device, where the payment information further includes at least one payment channel;
the receiving unit 301 receives the payment confirmation information sent by the first terminal device, where the payment confirmation information carries a selection of a payment channel from the payment channels included in the payment information by the first terminal device;
And a payment processing unit 304, configured to generate a payment request according to the payment channel, the payment amount, the device identifier of the first terminal device, and the collection account included in the payment confirmation information, and send the payment request to a second server device corresponding to the payment channel, so that the second server device determines a payment account according to the device identifier of the terminal device included in the payment request when receiving the payment request sent by the first server device, and pays the payment amount from the payment account to the collection account.
In another embodiment provided in the present specification, the correspondence between different feature information and collection accounts of different objects stored in advance by the determining unit 302 includes:
receiving collection information sent by second terminal equipment, wherein the collection information comprises at least one two-dimensional code provided by the second terminal equipment for collecting money and provided by a first object, and extracting characteristic information corresponding to the two-dimensional code;
and determining a collection account of the first object, and establishing and storing a corresponding relation between the characteristic information and the collection account.
It should be noted that, the server device provided in the embodiments of the present disclosure may be implemented in a software manner or may be implemented in a hardware manner, which is not specifically limited herein. In the embodiment of the specification, the payment system capable of being used for unified collection is provided, for merchant users with a large number of collection business requirements, the payment system provided by the embodiment of the specification can be utilized, the mapping relation between the unified collection account and the characteristic information of the two-dimensional codes is established in the payment system by extracting the characteristic information of the two-dimensional codes generated by different payment channels, when the consumer users scan the two-dimensional codes provided by the merchant users and used for collection, the unified collection account of the merchant users can be determined based on the characteristic information of the two-dimensional codes and the pre-established mapping relation, the merchant users can collect payment amounts paid by the consumer through different payment channels by using the unified collection account, the uniformity and convenience of collection are effectively improved, and meanwhile, the user experience of the consumer users to the two-dimensional code collection is improved.
In addition, in connection with the payment method in the above embodiments, the present specification embodiments may be implemented by providing a computer-readable storage medium. The computer readable storage medium has stored thereon computer program instructions; the computer program instructions, when executed by a processor, implement any of the payment methods of the above embodiments.
Fig. 4 shows a schematic hardware structure of a server device provided in the embodiment of the present specification.
The server device may include a processor 401 and a memory 402 in which computer program instructions are stored.
In particular, the processor 401 described above may include a Central Processing Unit (CPU), or an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), or may be configured as one or more integrated circuits implementing embodiments of the present description.
Memory 402 may include mass storage for data or instructions. By way of example, and not limitation, memory 402 may comprise a Hard Disk Drive (HDD), floppy Disk Drive, flash memory, optical Disk, magneto-optical Disk, magnetic tape, or universal serial bus (Universal Serial Bus, USB) Drive, or a combination of two or more of the foregoing. Memory 402 may include removable or non-removable (or fixed) media, where appropriate. Memory 402 may be internal or external to the data processing apparatus, where appropriate. In a particular embodiment, the memory 402 is a non-volatile solid state memory. In a particular embodiment, the memory 402 includes Read Only Memory (ROM). The ROM may be mask programmed ROM, programmable ROM (PROM), erasable PROM (EPROM), electrically Erasable PROM (EEPROM), electrically rewritable ROM (EAROM), or flash memory, or a combination of two or more of these, where appropriate.
The processor 401 implements any of the payment methods of the above embodiments by reading and executing computer program instructions stored in the memory 402.
In one example, the server device may also include a communication interface 403 and a bus 410. As shown in fig. 4, the processor 401, the memory 402, and the communication interface 403 are connected by a bus 410 and perform communication with each other.
The communication interface 403 is mainly used to implement communication between each module, apparatus, unit and/or device in the embodiments of the present disclosure.
Bus 410 includes hardware, software, or both that couple the components of the signaling data processing device to one another. By way of example, and not limitation, the buses may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a HyperTransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an infiniband interconnect, a Low Pin Count (LPC) bus, a memory bus, a micro channel architecture (MCa) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a video electronics standards association local (VLB) bus, or other suitable bus, or a combination of two or more of the above. Bus 410 may include one or more buses, where appropriate. Although specific buses are described and illustrated in the present description, the invention contemplates any suitable buses or interconnections.
According to the method and the device provided by the embodiment of the specification, the payment system capable of being used for unified collection is provided, for merchant users with a large number of collection business requirements, the payment system provided by the embodiment of the specification can be utilized, the mapping relation between the unified collection account and the characteristic information of the two-dimensional codes is established in the payment system by extracting the characteristic information of the two-dimensional codes generated by different payment channels, when a consumer user scans the two-dimensional codes provided by the merchant user and used for collection, the unified collection account of the merchant user can be determined based on the characteristic information of the two-dimensional codes and the pre-established mapping relation, so that the merchant user can collect payment amounts paid by the consumer through different payment channels by using the unified collection account, the uniformity and convenience of collection are effectively improved, and meanwhile, the user experience of the consumer user to the two-dimensional code collection is improved.
In the 90 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of the hardware description languages described above.
The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.
The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
For convenience of description, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each element may be implemented in one or more software and/or hardware elements when implemented in the present specification.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the specification. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.
Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.
The description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.
The foregoing is merely exemplary of the present disclosure and is not intended to limit the disclosure. Various modifications and alterations to this specification will become apparent to those skilled in the art. Any modifications, equivalent substitutions, improvements, or the like, which are within the spirit and principles of the present description, are intended to be included within the scope of the claims of the present description.
Claims (15)
1. A payment system, comprising:
the method comprises the steps that a first terminal device scans two-dimensional code information provided by a first object, extracts characteristic information corresponding to the two-dimensional code information from the two-dimensional code information and sends the characteristic information to a first server device;
the first server equipment receives the characteristic information sent by the first terminal equipment, determines a collection account of the first object corresponding to the received characteristic information according to the corresponding relation between different prestored characteristic information and collection accounts of different objects, generates payment information based on the collection account and payment amount, and sends the payment information to the first terminal equipment, wherein the payment information also comprises at least one payment channel; in the corresponding relation, the collection account of the first object corresponds to the characteristic information of the two-dimensional code for collection generated by different payment channels; the collection account of the first object collects through any one of the at least one payment channel;
The first terminal equipment receives the payment information sent by the first server equipment, selects one payment channel from the at least one payment channel, and sends the selected payment channel carried in the payment confirmation information to the first server equipment to finish payment.
2. The payment system of claim 1,
the first server equipment receives the payment confirmation information sent by the first terminal equipment, generates a payment request according to the payment confirmation information, and sends the payment request to the second server equipment corresponding to the payment channel to finish payment.
3. The payment system of claim 2, further comprising:
and the second server equipment receives the payment request sent by the first server equipment, determines a payment account according to the equipment identifier of the first terminal equipment contained in the payment request, and pays the payment amount from the payment account to the collection account.
4. The payment system of claim 1, the payment confirmation information comprising:
the selected payment channel, the payment amount, the device identification of the first terminal device, and the collection account.
5. Payment system according to claim 1, said characteristic information comprising a code value and/or user information.
6. The payment system of claim 1, further comprising:
the second terminal equipment scans at least one two-dimensional code for collecting money provided by the first object, extracts characteristic information corresponding to the two-dimensional code, carries the characteristic information in collecting money information and sends the characteristic information to the first server equipment;
the first server equipment receives the collection information sent by the second terminal equipment, determines a collection account of the first object, and establishes and stores a corresponding relation between the characteristic information and the collection account.
7. The payment system of claim 6, the second terminal device comprising a first acquisition interface and a second acquisition interface; the first acquisition interface is used for triggering payment after scanning the two-dimensional code; the second acquisition interface is used for triggering the server equipment to execute the operation of establishing the corresponding relation after the two-dimensional code is scanned.
8. The payment system of claim 6,
the second terminal equipment receives the registration information sent by the first server equipment, loads and displays the registration information, prompts the first object to input user information, and the user information comprises collection account information for collection; transmitting the user information input by the first object to the first server device;
The first server equipment receives and stores the user information sent by the second terminal equipment; and determining a collection account of the first object according to the stored user information.
9. The payment system of claim 8,
the first server device configures a unified collection account for the first object under the condition that the user information is received; the unified collection account is used for realizing unified collection.
10. A payment system according to any one of claims 1 to 9,
the first server device generates a payment page based on the collection account and the payment amount, and sends the payment page to the first terminal device, wherein the payment page further comprises at least one payment channel;
the first terminal equipment receives, loads and displays a payment page sent by the first server equipment, and prompts a user to select a payment channel based on the payment page; and according to the payment channel selected by the user, carrying the payment channel in payment confirmation information and sending the payment confirmation information to the first server equipment.
11. A payment system according to claim 2 or 3,
the second server device searches a payment account corresponding to the device identifier according to the device identifier of the terminal device contained in the payment request under the condition that the payment request sent by the first server device is received, generates a payment page, and sends the payment page to the first server device;
The first server device receives the payment page and sends the payment page to the first terminal device;
the first terminal equipment receives, loads and displays the payment page, prompts a user to input payment authorization information, and is convenient for the second server equipment to establish a transfer channel between the payment account and the collection account under the condition that the payment authorization information is received, and pays the payment amount from the payment account to the collection account through the transfer channel.
12. A payment method, comprising:
receiving characteristic information sent by first terminal equipment, wherein the characteristic information is obtained by the first terminal equipment by scanning two-dimensional code information provided by a first object and extracting the two-dimensional code information;
determining the collection account of the first object corresponding to the received characteristic information according to the corresponding relation between different characteristic information and collection accounts of different objects stored in advance;
generating payment information based on the collection account and the payment amount, and sending the payment information to the first terminal device, wherein the payment information further comprises at least one payment channel; in the corresponding relation, the collection account of the first object corresponds to the characteristic information of the two-dimensional code for collection generated by different payment channels; the collection account of the first object collects through any one of the at least one payment channel;
And receiving payment confirmation information sent by the first terminal equipment to finish payment, wherein the payment confirmation information carries a payment channel selected by the first terminal equipment from the payment channels contained in the payment information.
13. A server device, the server device comprising:
the receiving unit is used for receiving the characteristic information sent by the first terminal equipment, wherein the characteristic information is obtained by the first terminal equipment by scanning the two-dimensional code information provided by the first object and extracting the two-dimensional code information;
a determining unit for determining the collection account of the first object corresponding to the received characteristic information according to the corresponding relation between different characteristic information and collection accounts of different objects stored in advance;
a sending unit for generating payment information based on the collection account and the payment amount, and sending the payment information to the first terminal device, wherein the payment information also comprises at least one payment channel; in the corresponding relation, the collection account of the first object corresponds to the characteristic information of the two-dimensional code for collection generated by different payment channels; the collection account of the first object collects through any one of the at least one payment channel;
The receiving unit receives payment confirmation information sent by the first terminal device to complete payment, wherein the payment confirmation information carries a payment channel selected by the first terminal device from payment channels contained in the payment information.
14. A computer readable storage medium having stored thereon computer program instructions which, when executed by a processor, implement the payment method of claim 12.
15. A data processing apparatus comprising: at least one processor, at least one memory, and computer program instructions stored in the memory, which when executed by the processor, implement the payment method of claim 12.
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| CN109583880A (en) * | 2018-12-05 | 2019-04-05 | 深圳市爱贝信息技术有限公司 | Cross-platform communication means and device and method of payment and device |
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| Publication number | Publication date |
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| TWI772794B (en) | 2022-08-01 |
| WO2021103694A1 (en) | 2021-06-03 |
| CN111062713A (en) | 2020-04-24 |
| CN113657886A (en) | 2021-11-16 |
| CN111062713B (en) | 2021-07-23 |
| TW202121287A (en) | 2021-06-01 |
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