CN113837738A

CN113837738A - Payment method, payment device, electronic equipment and storage medium

Info

Publication number: CN113837738A
Application number: CN202111146060.0A
Authority: CN
Inventors: 陈键钊
Original assignee: Vivo Mobile Communication Co Ltd
Current assignee: Vivo Mobile Communication Co Ltd
Priority date: 2021-09-28
Filing date: 2021-09-28
Publication date: 2021-12-24

Abstract

The application discloses a payment method, a payment device, electronic equipment and a storage medium, and belongs to the technical field of communication. The method comprises the following steps: acquiring first preset signals sent by N pieces of second electronic equipment; acquiring N second payment accounts corresponding to the N second electronic devices based on the first preset signal; and generating the amount to be paid corresponding to the first payment account and the N second payment accounts based on the first payment account and the N second payment accounts corresponding to the first electronic device and the bill to be paid.

Description

Payment method, payment device, electronic equipment and storage medium

Technical Field

The application belongs to the technical field of communication, and particularly relates to a payment method, a payment device, electronic equipment and a storage medium.

Background

Mobile payment refers to a service method that allows a user to perform account payment for goods or services consumed using an electronic device such as a terminal.

In a multi-person payment scenario, such as payment after gathering, it is common that after a member pays a payment for a full pad, the other members participating in the gathering are charged the amount due. One way of operation is to establish a group chat through social software, initiate a group payment, select a payment object and fill in a total amount before paying.

However, this payment scheme relies on group chat, requiring a new group chat to be set up without an existing group chat; when the member participating in the multi-person payment is not in the existing group chat, the member needs to newly join the existing group chat, the steps are complicated, and the money receiving efficiency is low.

Disclosure of Invention

An object of the embodiments of the present application is to provide a payment method, an apparatus, an electronic device, and a storage medium, which can solve the problems of complicated payment steps and low collection efficiency of multiple persons.

In a first aspect, an embodiment of the present application provides a payment method, where the method includes:

acquiring first preset signals sent by N pieces of second electronic equipment;

acquiring N second payment accounts corresponding to the N second electronic devices based on the first preset signal;

and generating the amount to be paid corresponding to the first payment account and the N second payment accounts based on the first payment account and the N second payment accounts corresponding to the first electronic device and the bill to be paid.

In a second aspect, an embodiment of the present application provides an apparatus for payment, including:

the first acquisition module is used for acquiring first preset signals sent by the N pieces of second electronic equipment;

a second obtaining module, configured to obtain, based on the first preset signal, N second payment accounts corresponding to the N second electronic devices;

the generation module is used for generating the amount to be paid corresponding to the first payment account and the N second payment accounts based on the first payment account and the N second payment accounts corresponding to the first electronic device and the bill to be paid.

In a third aspect, an embodiment of the present application provides an electronic device, which includes a processor, a memory, and a program or instructions stored on the memory and executable on the processor, and when executed by the processor, the program or instructions implement the steps of the method according to the first aspect.

In a fourth aspect, embodiments of the present application provide a readable storage medium, on which a program or instructions are stored, which when executed by a processor implement the steps of the method according to the first aspect.

In a fifth aspect, an embodiment of the present application provides a chip, where the chip includes a processor and a communication interface, where the communication interface is coupled to the processor, and the processor is configured to execute a program or instructions to implement the method according to the first aspect.

In the embodiment of the application, multi-person payment is initiated through the first electronic device, the first preset signal sent by the second electronic device is obtained, the second payment account corresponding to the second electronic device is obtained from the first preset signal, the user list participating in multi-person payment is determined according to the first payment account corresponding to the first electronic device and the second payment account corresponding to the second electronic device, the amount to be paid corresponding to each payment account is generated by combining bills to be paid, the operation is simple, and the convenience of multi-person payment and the payment efficiency are improved.

Drawings

Fig. 1 is a schematic flow chart of a payment method provided in an embodiment of the present invention;

FIG. 2 is a schematic interface diagram of a payment method provided by an embodiment of the invention;

FIG. 3 is a second schematic interface diagram of a payment method provided in the embodiment of the present invention;

FIG. 4 is a third schematic interface diagram of a payment method provided in the embodiment of the present invention;

FIG. 5 is a fourth schematic interface diagram of a payment method provided by an embodiment of the invention;

FIG. 6 is a second schematic flowchart of a payment method according to an embodiment of the present invention;

fig. 7 is a schematic structural diagram of a payment device provided in an embodiment of the present invention;

fig. 8 is a schematic hardware structure diagram of an electronic device according to an embodiment of the present application.

Detailed Description

The technical solutions in the embodiments of the present application will be described clearly below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some, but not all, embodiments of the present application. All other embodiments that can be derived by one of ordinary skill in the art from the embodiments given herein are intended to be within the scope of the present disclosure.

The terms first, second and the like in the description and in the claims of the present application are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It will be appreciated that the data so used may be interchanged under appropriate circumstances such that embodiments of the application may be practiced in sequences other than those illustrated or described herein, and that the terms "first," "second," and the like are generally used herein in a generic sense and do not limit the number of terms, e.g., the first term can be one or more than one. In addition, "and/or" in the specification and claims means at least one of connected objects, a character "/" generally means that a preceding and succeeding related objects are in an "or" relationship.

The payment method, the payment device, the electronic device, and the storage medium provided in the embodiments of the present application are described in detail below with reference to the accompanying drawings through specific embodiments and application scenarios thereof.

The payment method provided by the embodiment of the application can be applied to a multi-person payment scene, for example, multiple persons participate in dinner gathering or multiple persons participate in shopping, and the payment of the goods or services needs to be participated in by the multiple persons.

Fig. 1 is a schematic flow chart of a payment method provided in an embodiment of the present invention, and as shown in fig. 1, an embodiment of the present invention provides a payment method applied to a first electronic device, where the method includes:

step 101, acquiring first preset signals sent by N pieces of second electronic equipment.

Specifically, the first electronic device is an initiating device for multi-person payment, and the second electronic device is a participating device for multi-person payment.

The exchange of data between the first electronic device and the second electronic device may be achieved in a variety of ways. For example, when the initiator triggers multi-person payment, the first electronic device invokes its Near Field Communication (NFC) function to exchange data with other NFC devices. Calling the NFC function of the first device under the condition that the NFC function of the first device is started; and under the condition that the NFC function of the first device is not started, opening and calling the NFC function of the first device.

For example, currently, a user a, a user B, and a user C participate in multi-person payment, the user a is an initiator of the multi-person payment, and the user B and the user C are participants of the multi-person payment. After the user A initiates multi-person payment through the first electronic device, the NFC function of the first electronic device is called. And based on the NFC function of the second electronic equipment, data transmission is carried out in a point-to-point contact mode through the first electronic equipment and the second electronic equipment.

Based on the NFC point-to-point mode, point-to-point wireless connection and data transmission are achieved between the devices with the NFC function, and the devices can be used as local applications and network applications in subsequent associated applications. Considering that data exchange between electronic devices may need to be performed multiple times in a multi-person payment scenario, a network connection may be established between the electronic devices to perform multiple data exchanges.

Data transmission is carried out between the first electronic device and the second electronic device in a point-to-point contact mode, namely the first electronic device obtains a first preset signal sent by the second electronic device based on an NFC function.

Data exchange between the first electronic device and the second electronic device can also be realized through bluetooth, WIFI, and the like, which is not limited in this embodiment of the application. The first preset signal may be an NFC signal, a bluetooth signal, a WiFi signal, or the like.

And 102, acquiring N second payment accounts corresponding to the N second electronic devices based on the first preset signal.

Specifically, the first electronic device acquires a second payment account corresponding to the second electronic device based on a first preset signal sent by the second electronic device. The N second electronic devices correspond to N second payment accounts, where N is a positive integer and N is greater than or equal to 1, and the payment accounts may be payment accounts in application software, bank payment accounts, and the like.

Under the multi-person payment scene, data exchange can be realized among all electronic equipment through near field communication, Bluetooth, WIFI and the like.

Based on a first preset signal sent by the second electronic device, the first electronic device may acquire information such as the number of payment accounts corresponding to the second electronic device, and may display the payment accounts on the screens of the electronic devices in real time according to information such as icons or lists. The first preset signal may directly include a second payment account corresponding to the second electronic device; the first preset signal may not directly include the second payment account, for example, the first preset signal includes a terminal identifier, and the corresponding second payment account is acquired based on the terminal identifier.

For example, data exchange is performed between the first electronic device and the second electronic device in a point-to-point contact manner, the first preset signal is an NFC signal, and the NFC signal includes a second payment account corresponding to the second electronic device.

For example, data exchange is performed between the first electronic device and the second electronic device through a bluetooth function, the first preset signal is a bluetooth signal, the bluetooth signal includes a terminal identifier, and a second payment account corresponding to the terminal is obtained based on the terminal identifier.

For example, data exchange is performed between the first electronic device and the second electronic device by connecting the same WiFi, or data exchange is performed by the first electronic device by opening a hotspot and the second electronic device by connecting the hotspot, the first preset signal is a WiFi signal, the WiFi signal includes a terminal identifier, and a second payment account corresponding to the terminal is obtained based on the terminal identifier.

Step 103, generating the amount to be paid corresponding to the first payment account and the N second payment accounts based on the first payment account and the N second payment accounts corresponding to the first electronic device and the bill to be paid.

Specifically, based on a first payment account corresponding to the first electronic device, second payment accounts corresponding to the N second electronic devices, and the bills to be paid, an amount to be paid corresponding to each payment account may be generated.

The bill to be paid can be uploaded by the initiator user corresponding to the first electronic device. Or under the condition that the first electronic device has generated the electronic bill, for example, when a plurality of persons scan the code for meal, the users who participate in the meal can all participate in ordering after scanning the ordering code on the desktop, and obtain the electronic bill in real time, and the first electronic device can directly use the electronic bill before payment as the bill to be paid for the plurality of persons without uploading by the user of the initiator.

And under the condition that the payment mode is the per-person mode, generating the amount to be paid corresponding to each payment account based on the quantity of the first payment account and the second payment account and the total amount of the payment orders in the bill to be paid. The initiator user may upload only the total amount of the bill to be paid.

And under the condition that the payment mode is the non-per-person mode, acquiring the consumption item corresponding to each payment account, and accordingly generating the amount to be paid corresponding to each payment account.

The initiator can upload the bill to be paid by taking a picture, for example, taking a picture of the payment order details on the screen of the cash register, the payment order details in the receipt, the name and unit price of the dish on the ordering menu, and the like, and recognize the characters in the picture by the image processing function of the electronic device. The bill to be paid uploaded by the initiator comprises the name, the number, the unit price and the like of the commodity or service to be paid, each user participating in payment selects the commodity or service to be paid from the bill to be paid to obtain a consumption item, and the consumption item is sent to the first electronic device through data exchange between the electronic devices.

In the scene of scanning the code order, the first electronic device can also directly obtain the bill to be paid displayed in the form of the electronic bill. Under the condition that each payment account identifier is displayed in the electronic bill, the first electronic device may generate a consumption item corresponding to each payment account based on the payment account identifier in the electronic bill, without the need of user selection.

According to the payment method provided by the embodiment of the application, multi-person payment is initiated through the first electronic device, the first preset signal sent by the second electronic device is obtained, the second payment account corresponding to the second electronic device is obtained from the first preset signal, the user list participating in multi-person payment is determined according to the first payment account corresponding to the first electronic device and the second payment account corresponding to the second electronic device, the amount to be paid corresponding to each payment account is generated by combining bills to be paid, the operation is simple, and the convenience of multi-person payment and the payment efficiency are improved.

Optionally, the generating the amounts to be paid corresponding to the first payment account and the N second payment accounts includes:

determining an average value according to the first payment account, the N second payment accounts and the bill to be paid;

and determining the amount to be paid according to the average value.

Specifically, when the user selects the payment mode as the per-user mode, the first electronic device determines an average value according to the number of the payment accounts participating in the multi-user payment and the total amount of the bills to be paid, where the average value is the amount of money to be paid corresponding to each payment account.

Fig. 2 is a schematic interface diagram of a payment method according to an embodiment of the application, and as shown in fig. 2, data exchange is performed in a point-to-point contact manner between devices, where the number of first electronic devices initiating multi-person payment is 3 when the first electronic devices initiating multi-person payment are matched with the number of second electronic devices nearby participating in multi-person payment, the total payment account number is 4, and if the payment mode selected by the initiator is the per-person mode, the total amount of the bill to be paid currently is 40.00 yuan. The average value is determined to be 10.00 yuan according to the total amount of the bill to be paid and the number of the payment accounts, namely the amount to be paid of the first payment account and the 3 second payment accounts are both 10.00 yuan.

Fig. 3 is a second interface schematic diagram of the payment method according to the embodiment of the present application, and as shown in fig. 3, data exchange is performed based on a bluetooth function of the device, the number of the first electronic device initiating multi-person payment is matched with the number of the second electronic devices participating in multi-person payment nearby is 3, avatar icons of payment accounts corresponding to the first electronic device and the 3 second electronic devices are displayed on a screen, the initiator selects the current payment mode as a per-person mode, and the total amount of the bill to be paid at present is 40.00 yuan. And determining the average value to be 10.00 yuan according to the total amount of the bill to be paid and the number of the payment accounts, namely the amount to be paid of the first payment account and the 3 second payment accounts are both 10.00 yuan. And synchronously displaying information such as the number of the payment account, the head portrait icon of the payment account, the total amount of the bill to be paid, the payment mode, the amount to be paid and the like on a screen of the electronic equipment.

In a multi-person payment scenario, there may be a situation where the user wishes to pay for another person, and the user may pay for another person by clicking or long-pressing the payment account icon in the screen of the electronic device. At this time, the first electronic device adjusts the amount of money to be paid corresponding to the payment account. The user may choose to pay for one or more generations.

Fig. 4 is a third interface schematic diagram of the payment method provided in the embodiment of the application, and as shown in fig. 4, if 4 payment accounts currently participating in multi-person payment are provided, the total amount of the bill to be paid is 40.00 yuan, and the initiator selects the payment mode as the person-by-person mode, the average value is determined to be 10.00 yuan according to the total amount of the bill to be paid and the number of the payment accounts.

If the user 1 selects the user 2 as the payment generation, the user 1 triggers 'pay for him' by pressing or clicking the head portrait icon of the user 2, and the amount to be paid of the user 1 is adjusted to 20.00 yuan in real time. Correspondingly, the payment status of the user 2 is adjusted to be free of payment of the current order.

According to the payment method provided by the embodiment of the application, under the condition that the payment mode is the maner-shared mode, multi-person payment is initiated through the first electronic device, the first preset signal sent by the second electronic device is obtained, the second payment account corresponding to the second electronic device is obtained from the first preset signal, the number of users participating in multi-person payment is determined according to the first payment account corresponding to the first electronic device and the second payment account corresponding to the second electronic device, the average value is generated by combining the total amount of bills to be paid to serve as the amount of money to be paid corresponding to each payment account, the operation is simple, and the convenience of multi-person payment and the payment efficiency are improved.

acquiring a first consumption item corresponding to the first payment account, and acquiring a second consumption item corresponding to each second payment account;

generating the amount to be paid corresponding to the first payment account according to the first consumption item; and respectively generating the amount to be paid corresponding to each second payment account according to each second consumption item.

Specifically, in a multi-user payment scenario, such as shopping at a supermarket, purchasing stationery at the same time, and the like, the amount of money to be paid differs depending on the goods or services selected by each user.

When the amount of money to be paid by each user is different, the bill to be paid uploaded by the initiator should include details of the bill, such as a commodity name, a commodity quantity, a commodity unit price, and the like.

And under the condition that the initiator cannot acquire the electronic bill, the initiator can upload the bill to be paid in a photographing and uploading mode. For example, the initiator takes a picture of the payment bill details on the screen of the cash register, the payment bill details in the receipt, the name and unit price of the dish on the order menu, and uploads the picture, and recognizes the characters in the picture based on the image processing function of the first electronic device to obtain the bill details.

In a case where the initiator may obtain the electronic bill, for example, in a scenario of scanning a code order, the first electronic device may directly obtain the details of the bill.

And after the first electronic device acquires the bill details, sharing the bill details to the second electronic device through data exchange between the first electronic device and the second electronic device so that the participant user can select the consumption item. The consumption item refers to the name and number of the goods or services consumed by the user, i.e. the consumption details corresponding to each user. And the participator user selects the commodity name, the quantity, the unit price and the like which need to be paid by the participator user in the bill to be paid, forms a second consumption item corresponding to each second payment account, and sends the second consumption item to the first electronic equipment.

Under the condition that the first electronic device and the second electronic device exchange data based on near field communication, because the near field communication limits the communication time and the communication distance, a user needs a certain time to select and form a corresponding consumption item from a bill to be paid, the second electronic device sends the second consumption item to the first electronic device, and the data exchange is required to be carried out between the first electronic device and the second electronic device at least through two point-to-point contacts.

However, multiple point-to-point contacts bring operational inconvenience to the user, so that network connection between the electronic devices can be established while the first point-to-point contact is performed between the electronic devices, so as to realize transmission of subsequent second consumer items and the like without multiple contacts between the electronic devices.

Similarly, the initiator user also needs to select from the bill to be paid to form a first consumption item corresponding to the first payment account. The first electronic equipment generates the amount to be paid corresponding to the first payment account according to the first consumption item; and respectively generating the amount to be paid corresponding to each second payment account according to each second consumption item.

Under the condition that the number of users participating in multi-person payment is large or the details of bills to be paid are complicated, unit prices of various commodities or services are different, or even if the unit prices are not different greatly, the number of the commodities or services is large, and each user cannot calculate the amount due by the user quickly. The bill to be paid is uploaded by the initiator, and each user clicks the name and the number of the commodities or the services to be paid to generate the consumption items corresponding to each payment account, so that the user does not need to perform complicated calculation, and the payment efficiency and the payment convenience are improved.

Fig. 5 is a fourth schematic interface diagram of the payment method provided in the embodiment of the present application, as shown in fig. 5, if 4 people select to package dishes together, the initiator initiates multi-person payment and uploads the details of the dishes in a manner of taking a picture, and the terminal identifies the picture to obtain an electronic bill and displays the electronic bill on a screen, where the electronic bill includes the name of the dish, the number of the dishes, and the unit price of the dish.

If the user A participating in the multi-person payment selects the last dish 'stir-fried green beans' for payment in the electronic bill in the screen, the corresponding second consumption item is as follows: the name of the dish is 'dry fried green beans', the quantity of the dish is 1 part, and the unit price of the dish is 20.00 yuan. The amount to be paid for user a is 20.00 dollars.

According to the payment method provided by the embodiment of the application, under the condition that the payment mode is the non-people-sharing mode, multi-people payment is initiated through the first electronic device, the first preset signal sent by the second electronic device is obtained, the second payment account corresponding to the second electronic device is obtained from the first preset signal, the amount to be paid corresponding to each second payment account is generated according to the second consumption item selected by the user corresponding to each second payment account, the amount to be paid corresponding to the first payment account is generated according to the first consumption item selected by the user corresponding to the first electronic device, common payment under the non-people-sharing mode is achieved, the operation is simple, and convenience of multi-people payment and payment efficiency are improved.

Optionally, the obtaining a first consumption item corresponding to the first payment account includes:

receiving a first input of a user corresponding to the first payment account; the first input is an input of a user corresponding to the first payment account selecting the consumption item;

or, according to the first identifier in the bill to be paid, acquiring a first consumption item corresponding to the first payment account;

the obtaining of the second consumption item corresponding to each second payment account includes:

respectively acquiring a second message sent by each second electronic device; the second message comprises a second consumption item; the second consumption item is selected by the user corresponding to the second payment account;

or acquiring a second consumption item corresponding to the second payment account according to a second identifier in the bill to be paid.

Specifically, the first input is an input that a user corresponding to the first payment account selects the first consumption item in the bill to be paid in the screen of the first electronic device.

The first identification is an identification of the first payment account. For example, in a scene of multi-person dinner gathering, each user generates a bill to be paid by scanning a meal ordering code on a dining table, dishes ordered by each user can be distinguished by a user head portrait, and the first identification is the head portrait of the initiator user.

For example, in a scenario of a montage, the first identification is an avatar of the user of the montage initiator.

The user corresponding to the first payment account is the initiator of multi-person payment, and after the initiator uploads the bill to be paid to the first electronic device in a photographing mode or the like, the bill to be paid is displayed on the screen of the first electronic device in an electronic bill mode. And meanwhile, the electronic bill is sent to second electronic equipment based on data exchange among the electronic equipment, and a user corresponding to the second electronic equipment is a party for multi-person payment.

The initiator selects the name and the number of the goods or services needing to be paid through the operation of clicking the electronic bill in the screen of the first electronic device, and generates a first consumption item. And under the condition that the first identification is displayed in the electronic bill, the first electronic equipment generates a first consumption item according to the first identification. The first electronic device determines the amount to be paid of the initiator according to the first consumption item.

And the second electronic equipment displays the electronic bill in the screen after receiving the bill to be paid sent by the first electronic equipment. And the participator selects the name and the quantity of the goods or services needing to be paid by clicking the electronic bill in the screen of the second electronic equipment to generate a second consumption item.

The second identifier is an identifier of the second payment account, and the different identifiers are used for distinguishing different second payment accounts. For example, in a scene of multi-person dinner gathering, each user generates a bill to be paid by scanning a meal ordering code on a dining table, dishes ordered by each user can be distinguished by the head portrait of the user, and the second identification is the head portrait of the participant user.

For example, in a scenario of a montage, the second identification is an avatar of the user of the party to the montage.

Based on the data exchange between the electronic devices, the second electronic device sends a second message to the first electronic device, wherein the second message comprises a second consumption item. And under the condition that the second identifier is displayed in the electronic bill, the first electronic equipment generates a second consumption item according to the second identifier. And the first electronic equipment determines the amount to be paid corresponding to the second payment account according to the second consumption item.

According to the payment method provided by the embodiment of the application, under the condition that the payment mode is the non-people-average mode, multi-person payment is initiated through the first electronic device, the second payment account corresponding to the second electronic device is obtained based on the first preset signal sent by the second electronic device, corresponding consumption items are selected and generated in a bill to be paid according to users corresponding to the payment accounts, or consumption items corresponding to each payment account are generated according to payment account identification in the bill to be paid, the amount to be paid of the corresponding payment account is generated according to each consumption item, common payment under the non-people-average mode is achieved, the operation is simple, and convenience of multi-person payment and payment efficiency are improved.

Optionally, the method further comprises:

acquiring a third expense item corresponding to the third payment account; the third payment account is at least one of the first payment account and the N second payment accounts;

updating the first consumption item or the second consumption item according to the third consumption item.

Specifically, when the payment mode selected by the initiator is the unmanned mode, the participants and the initiator select the goods or services to be paid from the bill to be paid according to the actual situation.

Under the condition that the bill to be paid is more in content or the number of users participating in multi-person payment is more, the situations of more selection, less selection and wrong selection of partial users are easy to occur. The first consumption item corresponding to the first payment account and the second consumption item corresponding to each second payment account can be displayed in real time in a screen of the electronic device, so that each user can verify the bill content.

When the conditions of more selections, wrong selections and less selections of the user occur, the user can correct the bill content through the operation of clicking on the screen of the electronic equipment.

The third payment account is at least one of the first payment account and the N second payment accounts, and the initiator and the participants of the multi-person payment can adjust the bill content. And the third payment account generates a third expense item through a click operation in a screen of the electronic equipment under the condition that the contents of the expense items of the third payment account or others are found not to be right.

And after the first electronic equipment receives the third consumption item, updating and adjusting the first consumption item or the second consumption item according to the third consumption item, so that the consumption items corresponding to different users are consistent with the bill content which actually needs to be paid.

According to the payment method provided by the embodiment of the application, in a multi-user payment scene, if the obtained consumption items are inconsistent with the actual situation due to the fact that the user selects more, selects wrongly or less, the user participating in multi-user payment can verify and adjust the bill content, the first electronic device obtains the third consumption item selected by any user participating in multi-user payment, updates the first consumption item or the second consumption item, common payment and bill correction in a non-uniform mode are achieved, the operation is simple, and convenience in multi-user payment and payment efficiency are improved.

The payment method provided by the present application is described below with a specific embodiment.

Fig. 6 is a second schematic flow chart of the payment method provided in the embodiment of the present application, and as shown in fig. 6, the initiator of multi-person payment clicks "initiate real-time multi-person payment" to initiate payment, the terminal establishes a long real-time communication connection with the service server, and sends information such as the unique user identifier of the initiator to the service server receiving payment.

The participating party of the multi-person payment clicks 'participating in the real-time multi-person payment' to participate in the payment, the terminal establishes a real-time communication long connection with the service server, and sends information such as the unique user identification of the participating party to the service server for payment.

The devices of all users participating in multi-person payment together establish a list of users for payment by means of point-to-point contact. And after the equipment detects collision and vibration, exchanging the existing user information of the equipment in mutual contact based on the NFC function to do union. Finally, the initiating terminal device collects all information sent by the terminal which directly or indirectly exchanges data with the initiating terminal device, and generates an initial user list.

And the initiating terminal equipment sends the initial user list to the participating terminal equipment and displays the initial user list in real time in a screen. The user verifies the user identity information of the payment initiator and the participant according to a user list displayed on a screen, wherein the user list comprises a unique user identifier, a user name, a user head portrait icon and the like, after the user confirms that no error exists, the initiator clicks a modification frame on equipment to determine all users finally participating in payment, and a final user list is generated. When a participant is selected, all other participants that have been selected will also be simultaneously displayed and locked on the user device.

The initiator uploads payment order information and selects a payment mode. When the initiator selects the per-person mode, the payment amount of each user can be calculated only by uploading the total amount of the payment order. When the initiator selects the non-people mode, the payment order details need to be uploaded so that each user can select the commodities or services needing to be paid. The final election is also locked on the device screens of all the users participating in the payment and their amounts due are displayed.

In some cases, if a certain user needs to pay for others, or the mobile phone signal of the user is not good and the payment operation cannot be completed, another user can substitute for the payment at this time. For example: the user A needs to pay money for the user D, can press the head portrait of the user D for a long time, and selects 'pay for him' in the popup menu, so that the amount due of the user A accumulates the amounts due of the user A and the user D, the user D displays that the user A is paying money for you, and meanwhile, a 'confirm pay' button is grayed out.

When the user clicks "confirm payment," the system invokes an authorization mechanism, including a password, fingerprint, face, etc., to request authorization from the user. The authorization means that the user agrees to pay the amount due specified by the sponsor by multiple persons, the agreement system temporarily freezes the corresponding money, and the sponsor is authorized to give out the two-dimensional code to the merchant for final confirmation and deduction. After the user confirms the authorization, the device informs the server that the authorization confirmation is successful, the server can check whether the balance of the user account is sufficient or not, if so, the payment account which is payable is temporarily frozen, a payment record with information such as a payment record identifier, a user unique identifier, the payment amount and the like is generated, and if the balance of the user is insufficient, prompt information is returned to the user.

When all the users participating in the payment are confirmed to be finished, the server generates an encrypted payment token with an expiration time stamp, and the original information of the payment token comprises the unique identifications of all the payment users and the frozen money records.

The server splices the payment token in a payment link and issues the payment token to a multi-person payment initiator, and the initiator device generates a final payment two-dimensional code through the link and displays the final payment two-dimensional code to a merchant. For security, the device will check the expiry time of the payment token, for example by default 1 minute, and if the payment token expires, the device will request the server to refresh the payment token and simultaneously refresh the two-dimensional code.

And a merchant collects money by scanning the two-dimensional code, a payment token carried in the link is sent to the server, the server decrypts the payment token to obtain the unique identification and the payment record identification of all payment users, the validity and the timeliness of the user identification and the payment record identification are verified, the frozen money of each payment user is officially deducted if the verification is passed, and corresponding information that the payment is successfully deducted is pushed to all the payment users.

It should be noted that, in the payment method provided in the embodiment of the present application, the execution subject may be a payment apparatus, or a control module in the payment apparatus for executing the payment method. In the embodiment of the present application, a payment method executed by a payment apparatus is taken as an example, and the payment apparatus provided in the embodiment of the present application is described.

Fig. 7 is a schematic structural diagram of a payment apparatus provided in an embodiment of the present application, and as shown in fig. 7, an embodiment of the present application provides a payment apparatus, including:

a first obtaining module 701, configured to obtain first message first preset signals sent by N second electronic devices; the first message comprises N second payment accounts corresponding to the N second electronic devices;

a second obtaining module 702, configured to obtain, based on the first preset signal, N second payment accounts corresponding to the N second electronic devices;

a generating module 703 is configured to generate to-be-paid money amounts corresponding to the first payment account and the N second payment accounts based on a first payment account and the N second payment accounts corresponding to a first electronic device and a to-be-paid bill.

Optionally, the generating module includes:

the first determining submodule is used for determining an average value according to the first payment account, the N second payment accounts and the bill to be paid;

and the second determining submodule is used for determining the amount to be paid according to the average value.

Optionally, the generating module includes:

the first acquisition sub-module is used for acquiring a first consumption item corresponding to the first payment account and acquiring a second consumption item corresponding to each second payment account;

the generation submodule is used for generating the amount to be paid corresponding to the first payment account according to the first consumption item; and respectively generating the amount to be paid corresponding to each second payment account according to each second consumption item.

Optionally, the obtaining module includes:

the receiving submodule is used for receiving first input of a user corresponding to the first payment account; the first input is an input of a user corresponding to the first payment account selecting the consumption item;

or, the second obtaining sub-module is configured to obtain, according to the first identifier in the bill to be paid, the first consumption item corresponding to the first payment account;

the acquisition module includes:

the third obtaining submodule is used for respectively obtaining a second message sent by each second electronic device; the second message comprises a second consumption item; the second consumption item is selected by the user corresponding to the second payment account;

or, the fourth obtaining sub-module is configured to obtain, according to the second identifier in the bill to be paid, a second consumption item corresponding to the second payment account.

Optionally, the apparatus further comprises:

the third acquisition module is used for acquiring a third expense item corresponding to the third payment account; the third payment account is at least one of the first payment account and the N second payment accounts;

an updating module for updating the first consumption item or the second consumption item according to the third consumption item.

Specifically, the payment apparatus provided in the embodiment of the present application can implement all the method steps implemented by the method embodiment and achieve the same technical effects, and details of the same parts and beneficial effects as those of the method embodiment in this embodiment are not repeated herein.

The payment device in the embodiment of the present application may be a device, and may also be a component, an integrated circuit, or a chip in a terminal. The device can be mobile electronic equipment or non-mobile electronic equipment. By way of example, the mobile electronic device may be a mobile phone, a tablet Computer, a notebook Computer, a palm top Computer, an in-vehicle electronic device, a wearable device, an Ultra-mobile Personal Computer (UMPC), a netbook or a Personal Digital Assistant (PDA), and the like, and the non-mobile electronic device may be a server, a Network Attached Storage (NAS), a Personal Computer (Personal Computer, PC), a Television (TV), a teller machine, a self-service machine, and the like, and the embodiments of the present application are not particularly limited.

The payment device in the embodiment of the present application may be a device having an operating system. The operating system may be an Android (Android) operating system, an ios operating system, or other possible operating systems, and embodiments of the present application are not limited specifically.

The payment device provided in the embodiment of the present application can implement each process implemented by the method embodiments of fig. 1 to fig. 6, and is not described here again to avoid repetition.

Optionally, an electronic device is further provided in this embodiment of the present application, and includes a processor, a memory, and a program or an instruction stored in the memory and capable of running on the processor, where the program or the instruction is executed by the processor to implement each process of the above payment method embodiment, and can achieve the same technical effect, and details are not repeated here to avoid repetition.

It should be noted that the electronic device in the embodiment of the present application includes the mobile electronic device and the non-mobile electronic device described above.

Fig. 8 is a schematic diagram of a hardware structure of an electronic device according to an embodiment of the present disclosure, and as shown in fig. 8, the electronic device 800 includes, but is not limited to, a radio frequency unit 801, a network module 802, an audio output unit 803, an input unit 804, a sensor 805, a display unit 806, a user input unit 807, an interface unit 808, a memory 809, a processor 810, and the like.

Those skilled in the art will appreciate that the electronic device 800 may further comprise a power source (e.g., a battery) for supplying power to the various components, and the power source may be logically connected to the processor 810 via a power management system, so as to manage charging, discharging, and power consumption management functions via the power management system. The electronic device structure shown in fig. 8 does not constitute a limitation of the electronic device, and the electronic device may include more or less components than those shown, or combine some components, or arrange different components, and thus, the description is omitted here.

It should be understood that in the embodiment of the present application, the input Unit 804 may include a Graphics Processing Unit (GPU) 8041 and a microphone 8042, and the Graphics Processing Unit 8041 processes image data of a still picture or a video obtained by an image capturing device (such as a camera) in a video capturing mode or an image capturing mode. The display unit 806 may include a display panel 8061, and the display panel 8061 may be configured in the form of a liquid crystal display, an organic light emitting diode, or the like. The user input unit 807 includes a touch panel 8071 and other input devices 8072. A touch panel 8071, also referred to as a touch screen. The touch panel 8071 may include two portions of a touch detection device and a touch controller. Other input devices 8072 may include, but are not limited to, a physical keyboard, function keys (e.g., volume control keys, switch keys, etc.), a trackball, a mouse, and a joystick, which are not described in detail herein. The memory 809 may be used to store software programs as well as various data including, but not limited to, application programs and operating systems. The processor 810 may integrate an application processor, which mainly handles operating systems, user interfaces, application programs, etc., and a modem processor, which mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into processor 810.

The processor 810 is configured to obtain first preset signals sent by N second electronic devices;

the processor 810 is further configured to obtain, based on the first preset signal, N second payment accounts corresponding to the N second electronic devices;

the processor 810 is further configured to generate amounts to be paid corresponding to the first payment account and the N second payment accounts based on the first payment account and the N second payment accounts corresponding to the first electronic device and the bills to be paid.

Optionally, the processor 810 is further configured to determine an average value according to the first payment account, the N second payment accounts, and the bill to be paid;

processor 810 is further configured to determine the amount to be paid based on the average.

Optionally, the processor 810 is further configured to obtain a first consumption item corresponding to the first payment account, and obtain a second consumption item corresponding to each second payment account;

the processor 810 is further configured to generate an amount to be paid corresponding to the first payment account according to the first consumption item; and respectively generating the amount to be paid corresponding to each second payment account according to each second consumption item.

Optionally, the user input unit 807 is configured to receive a first input of a user corresponding to the first payment account; the first input is an input of a user corresponding to the first payment account selecting the consumption item;

or, the processor 810 is further configured to obtain, according to the first identifier in the bill to be paid, a first consumption item corresponding to the first payment account;

the processor 810 is further configured to obtain a second message sent by each second electronic device; the second message comprises a second consumption item; the second consumption item is selected by the user corresponding to the second payment account;

or, the processor 810 is further configured to obtain a second consumption item corresponding to the second payment account according to a second identifier in the bill to be paid.

Optionally, the processor 810 is further configured to obtain a third payment item corresponding to the third payment account; the third payment account is at least one of the first payment account and the N second payment accounts;

the processor 810 is further configured to update the first consumption item or the second consumption item according to the third consumption item.

The embodiment of the present application further provides a readable storage medium, where a program or an instruction is stored on the readable storage medium, and when the program or the instruction is executed by the processor, the process of the payment method embodiment is implemented, and the same technical effect can be achieved, and in order to avoid repetition, details are not repeated here.

The processor is the processor in the electronic device described in the above embodiment. The readable storage medium includes a computer readable storage medium, such as a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and so on.

The embodiment of the present application further provides a chip, where the chip includes a processor and a communication interface, the communication interface is coupled to the processor, and the processor is configured to execute a program or an instruction to implement each process of the above payment method embodiment, and can achieve the same technical effect, and for avoiding repetition, the details are not repeated here.

It should be understood that the chips mentioned in the embodiments of the present application may also be referred to as system-on-chip, system-on-chip or system-on-chip, etc.

It should be noted that, in this document, 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 an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element. Further, it should be noted that the scope of the methods and apparatus of the embodiments of the present application is not limited to performing the functions in the order illustrated or discussed, but may include performing the functions in a substantially simultaneous manner or in a reverse order based on the functions involved, e.g., the methods described may be performed in an order different than that described, and various steps may be added, omitted, or combined. In addition, features described with reference to certain examples may be combined in other examples.

Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present application may be embodied in the form of a computer software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal (such as a mobile phone, a computer, a server, or a network device) to execute the method according to the embodiments of the present application.

While the present embodiments have been described with reference to the accompanying drawings, it is to be understood that the invention is not limited to the precise embodiments described above, which are meant to be illustrative and not restrictive, and that various changes may be made therein by those skilled in the art without departing from the spirit and scope of the invention as defined by the appended claims.

Claims

1. A payment method is applied to a first electronic device and is characterized by comprising the following steps:

acquiring first preset signals sent by N pieces of second electronic equipment;

2. The payment method according to claim 1, wherein the generating of the amounts to be paid corresponding to the first payment account and the N second payment accounts comprises:

and determining the amount to be paid according to the average value.

3. The payment method according to claim 1, wherein the generating of the amounts to be paid corresponding to the first payment account and the N second payment accounts comprises:

4. The payment method of claim 3, wherein the obtaining the first consumption item corresponding to the first payment account comprises:

5. A payment method as recited in claim 3, further comprising:

6. A payment device, comprising:

7. The payment device of claim 6, wherein the generation module comprises:

8. The payment device of claim 6, wherein the generation module comprises:

9. An electronic device comprising a processor, a memory and a program or instructions stored on the memory and executable on the processor, the program or instructions when executed by the processor implementing the steps of the payment method of any one of claims 1-6.

10. A computer-readable storage medium, on which a program or instructions are stored, which when executed by a processor, carry out the steps of the payment method according to any one of claims 1-6.