CN113901339A

CN113901339A - Transaction bill processing method and device and computer equipment

Info

Publication number: CN113901339A
Application number: CN202010572440.XA
Authority: CN
Inventors: 黄良蕾; 何周加; 韩声远
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2020-06-22
Filing date: 2020-06-22
Publication date: 2022-01-07

Abstract

The embodiment of the application provides a transaction bill processing method, a device and computer equipment, wherein the method comprises the following steps: loading the target application in response to the application load instruction; acquiring position information of a client, and displaying a transaction object selection page of the target application according to a target merchant corresponding to the position information; when object selection operation aiming at the transaction object selection page is detected, acquiring transaction information corresponding to the transaction object selected by the object selection operation, and displaying an information display page of the target application according to the transaction information; and when the payment operation aiming at the information display page is detected, performing payment processing on the transaction bill corresponding to the transaction information. Through the embodiment of the application, online self-service payment can be realized, and the payment efficiency is effectively improved.

Description

Transaction bill processing method and device and computer equipment

Technical Field

The present application relates to the field of computer technologies, and in particular, to a method and an apparatus for processing a transaction bill, a computer device, and a computer-readable storage medium.

Background

In a traditional transaction mode, after a customer consumes, the customer usually needs to queue to a payment place of a merchant for payment. For example, in a conventional refueling mode, after a vehicle owner finishes refueling, the vehicle owner needs to enter a convenience store of a gas station to queue for payment, and returns to the inside of the vehicle to drive the vehicle to leave after the payment is finished. However, the payment method usually requires the customer to spend a long time in queuing, which results in low payment efficiency and waste of time for the customer.

Disclosure of Invention

The embodiment of the application provides a transaction bill processing method, a transaction bill processing device and computer equipment, which can realize online self-service payment and effectively improve payment efficiency.

In one aspect, an embodiment of the present application provides a method for processing a transaction bill, where the method includes:

loading the target application in response to the application load instruction;

acquiring position information of a client, and displaying a transaction object selection page of the target application according to a target merchant corresponding to the position information, wherein the transaction object selection page comprises object options matched with each transaction object of the target merchant;

when object selection operation aiming at the transaction object selection page is detected, acquiring transaction information corresponding to the transaction object selected by the object selection operation, and displaying an information display page of the target application according to the transaction information;

and when the payment operation aiming at the information display page is detected, performing payment processing on the transaction bill corresponding to the transaction information.

In one aspect, the present application provides a transaction bill processing apparatus, which includes a unit for executing the above transaction bill processing method; wherein the apparatus comprises:

a processing unit for loading a target application in response to an application load instruction;

the positioning unit is used for acquiring the position information of the client;

the display unit is used for displaying a transaction object selection page of the target application according to a target merchant corresponding to the position information, and the transaction object selection page comprises object options matched with all transaction objects of the target merchant;

the processing unit is further used for acquiring transaction information corresponding to the transaction object selected by the object selection operation through the transceiving unit when the object selection operation aiming at the transaction object selection page is detected, and triggering the display unit to display the information display page of the target application according to the transaction information;

the processing unit is further configured to perform payment processing on the transaction bill corresponding to the transaction information when a payment operation for the information presentation page is detected.

In an embodiment, the processing unit is further configured to determine at least one merchant to be selected according to the location information;

the display unit is further used for displaying a merchant selection page of the target application, and displaying merchant options matched with all merchants to be selected on the merchant selection page;

the processing unit is further used for taking the merchant selected by the merchant selection operation as a target merchant when the merchant selection operation aiming at the merchant selection page is detected;

the display unit is further used for displaying a transaction object selection page of the target application according to the target merchant.

In an embodiment, the target application is an application associated with a target type of transaction; the processing unit is specifically configured to:

determining a merchant inquiry geographical area according to the position information; obtaining at least one merchant that is within the merchant query geographic area and supports the target type of transaction; and taking at least one merchant which is in the merchant inquiry geographic area and supports the target type of transaction as a merchant to be selected.

In an embodiment, the processing unit is specifically configured to:

when the payment operation aiming at the information display page is detected, determining whether a quick payment function is started aiming at the target application, and carrying out risk detection on the account bound by the client; and if the quick payment function is started for the target application and the risk detection of the account bound by the client is passed, transferring the bill amount corresponding to the transaction information from the account bound by the client to the account of the target merchant.

In an embodiment, the transceiver unit is further configured to receive bill payment information sent by the server of the target merchant, where the bill payment information is generated by the server according to the transaction information and the payment result of the transaction bill;

the display unit is further configured to display the bill payment information, so that the staff of the target merchant determines whether to complete bill payment according to the bill payment information.

In an embodiment, the processing unit is further configured to:

after the transaction bill payment is completed, when the trigger operation of a bill interface button in a display page of the target application is detected, triggering the display unit to display an electronic bill making page of the target application; and generating the electronic bill according to the bill information input aiming at the electronic bill making page and the transaction information by the target application.

In an embodiment, the processing unit is specifically configured to:

generating a transaction query request according to the transaction object selected by the object selection operation, and sending the transaction query request to the server of the target merchant through the receiving and sending unit; and receiving transaction information which is returned by the server in response to the transaction query request and corresponds to the transaction object selected by the object selection operation through the transceiving unit.

In one aspect, an embodiment of the present application provides a computer device, including: the transaction bill processing system comprises a processor, a communication interface and a memory, wherein the processor, the communication interface and the memory are connected with each other, executable program codes are stored in the memory, and the processor is used for calling the executable program codes and executing the transaction bill processing method.

Accordingly, an embodiment of the present application further provides a computer-readable storage medium, in which instructions are stored, and when the instructions are executed on a computer, the computer is caused to execute the above transaction bill processing method.

The target merchant is determined according to the position information of the client, and a transaction object selection page of the target application is displayed according to the transaction object included by the target merchant; acquiring transaction information corresponding to the transaction object selected by the object selection operation, and displaying an information display page of the target application according to the transaction information; when the payment operation aiming at the information display page is detected, payment processing is carried out on a transaction bill corresponding to the transaction information; the online self-service payment can be realized, and the payment efficiency is effectively improved.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 is a block diagram of a data processing system according to an embodiment of the present application;

fig. 2 is a schematic flow chart of a transaction bill processing method according to an embodiment of the present application;

FIG. 3 is a schematic diagram of an application home page provided by an embodiment of the present application;

FIG. 4 is a schematic diagram of a merchant selection page provided by an embodiment of the present application;

FIG. 5 is a schematic diagram of a transaction object selection page provided by an embodiment of the present application;

fig. 6 is a schematic diagram of an information presentation page provided in an embodiment of the present application;

FIG. 7 is a diagram of a password entry page provided by an embodiment of the present application;

FIG. 8a is a schematic diagram of a payment result display page provided by an embodiment of the present application;

FIG. 8b is a schematic view of another payment result display page provided by an embodiment of the present application;

FIG. 9a is a schematic diagram of yet another payment result display page provided by an embodiment of the present application;

FIG. 9b is a schematic diagram of another payment result display page provided by an embodiment of the present application;

fig. 10 is a schematic view of a scene of an electronic ticket issuing method according to an embodiment of the present application;

fig. 11 is a schematic flowchart of a method for payment without secret according to an embodiment of the present application;

fig. 12 is a schematic flowchart of a password payment method provided in an embodiment of the present application;

fig. 13 is a schematic structural diagram of a transaction bill processing apparatus according to an embodiment of the present application;

fig. 14 is a schematic structural diagram of a computer device according to an embodiment of the present application.

Detailed Description

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

In a traditional transaction mode, after a customer consumes, the customer usually needs to queue to a payment place of a merchant for payment. However, the payment method usually requires the customer to spend a long time in queuing, which results in low payment efficiency and waste of time for the customer. For example, in a conventional refueling mode, after a vehicle owner finishes refueling, the vehicle owner needs to enter a convenience store of a refueling station to queue for payment, then queue for issuing an electronic bill, and return to the inside of the vehicle to drive away after payment is finished and the electronic bill is issued. Such payment methods are inefficient and waste time for the customer. In addition, for a special period (such as an epidemic period), the gas station is a place with high density and high mobility, and many owners of the vehicle want the gas station to be capable of realizing a contactless refueling consumption mode without getting off the vehicle.

Based on this, the embodiments of the present application provide a method for processing a transaction bill to solve the above-mentioned problems. Please refer to fig. 1, which is a schematic diagram illustrating an architecture of a data processing system to which the transaction bill processing method according to the embodiment of the present disclosure is applied. The data processing system comprises a client 11 and a server 12, and the client 11 and the server 12 can be connected through a network. The user of the client 11 is a customer to the merchant, and the server 12 is a background service device of the merchant. The client 11 is a Mobile terminal, and the Mobile terminal may be a computer device such as a smart phone (e.g., an Android phone, an iOS phone, etc.), a tablet computer, a Mobile Internet device (MID for short). The server 12 may be an independent service device, or may be a cluster device formed by a plurality of service devices.

The transaction bill processing method provided by the embodiment of the application mainly comprises the following steps: the client 11 responds to the application loading instruction to load the target application; the target Application is an Application associated with at least one transaction, and the Application may be an applet or an APP (Application). The client 11 acquires the position information thereof, and determines a target merchant according to the acquired position information; the client 11 displays a transaction object selection page of the target application according to the transaction object included by the target merchant, wherein the transaction object selection page includes object options matched with each transaction object of the target merchant; the transaction object is transaction equipment or transaction items which can be selected by a user when a transaction is carried out at a target merchant. Further, the client 11, upon detecting an object selection operation for the transaction object selection page, acquires transaction information corresponding to the transaction object selected by the object selection operation from the server 12. Accordingly, the server 12 returns the transaction information corresponding to the transaction object selected by the object selection operation to the client 11. The client 11 displays an information display page of the target application according to the transaction information, and performs payment processing on the transaction bill corresponding to the transaction information when detecting a payment operation for the information display page. By adopting the mode, online self-service payment can be realized, and the payment efficiency is effectively improved; in addition, for some transaction scenes (such as automobile refueling scenes), contactless self-service payment can be realized, so that the payment safety can be ensured.

The main steps of the electronic resource sharing method provided by the embodiment of the present application are introduced above, and specific implementation manners of the electronic resource sharing method are explained below.

Please refer to fig. 2, which is a flowchart illustrating a transaction bill payment method according to an embodiment of the present disclosure. The transaction bill payment method described in the embodiments of the present application includes, but is not limited to, the following steps:

s201, the client responds to the application loading instruction to load the target application.

In an embodiment of the present application, the target application is an application associated with at least one transaction, which may be a fueling (fueling oil) transaction associated with a vehicle, a fueling (natural gas) transaction associated with a vehicle, a shopping transaction associated with a self-service vending machine, a self-checkout transaction associated with a restaurant, and the like. The target application may be an applet, which is an application that can be used without download and installation. When a client monitors a triggering operation of a user for an applet icon corresponding to a target application in a specific application (such as WeChat (an instant messaging application), determining that an application loading instruction is detected, and loading the target application in response to the application loading instruction. The target Application may also be an APP (Application), which is software installed on the client. When the client detects the trigger operation of the user for the application icon corresponding to the target application, determining that an application loading instruction is detected, and responding to the application loading instruction to load the target application.

S202, the client acquires the position information of the client, and displays a transaction object selection page of the target application according to a target merchant corresponding to the position information.

In the embodiment of the application, the location information of the client can be acquired through a locating device configured by the client, and the location information can be used for indicating the longitude and latitude of the client in a geographic coordinate system. The Positioning device may be a Global Positioning System (GPS) device or a Global Navigation Satellite System (GNSS) device, or the like.

After the location information of the client is obtained, the client determines a target merchant according to the location information, and the target merchant is also a merchant transacting with the client user. In an embodiment, the client may determine the merchant closest to the geographic location indicated by the location information as the target merchant. In another embodiment, when the target application is an application associated with a target type of transaction, the client may then determine the merchant closest to the geographic location indicated by the location information and supporting the target type of transaction as the target merchant. For example, when the target application is an application associated with a fueling transaction, the gas station closest to the geographic location indicated by the location information is determined to be the target merchant. In the two modes, the client can automatically determine the target merchant according to the position information of the client.

In yet another embodiment, the client determines at least one merchant to be selected according to its current location information. Specifically, when the target application is an application associated with a target type of transaction, the client determines a merchant query geographical area according to current location information of the client. The merchant inquiry geographic area may be, for example, a circular area with the current location of the client as the center and a preset distance as the radius; the preset distance may be determined according to a positioning deviation of the positioning device. Further, the client obtains at least one merchant that is within the merchant query geographic area and supports the target type of transaction; and taking at least one merchant which is in the merchant inquiry geographic area and supports the target type of transaction as a merchant to be selected. The client displays a merchant selection page of the target application, and displays merchant options matched with each merchant to be selected on the merchant selection page; and when the merchant selection operation of the user for the merchant selection page is detected, the merchant selected by the merchant selection operation is taken as the target merchant. By adopting the mode, the client can automatically select the commercial tenant meeting the conditions, and the commercial tenant transacted with the client is manually determined by the user, so that the accuracy of commercial tenant selection can be ensured.

Further, after the target merchant is determined, the client acquires transaction object information of the target merchant, where the transaction object information includes one or more of the number of transaction objects, an identifier of each transaction object, a commodity category supported by each transaction object, and a placement position relationship between the transaction objects. The transaction object is transaction equipment or transaction items which can be selected by a user when a transaction is carried out at a target merchant. For example, if the target merchant is a gas station, the transaction object of the gas station may be a fuel gun, the identifier may be a fuel gun number, and the supported commodity category may be a fuel oil category, such as 0# (diesel oil), 92# (92 gasoline), 95#, 98# and the like; if the target merchant is a convenience store or a supermarket, the transaction object of the convenience store or the supermarket may be a self-service vending machine, the identifier of the self-service vending machine may be a vending machine number or a vending machine code, and the like, and the supported commodity category of the self-service vending machine may be water drinks, snacks, biscuits and the like.

The client displays a transaction object selection page of the target application according to the acquired transaction object information of the target merchant, the transaction object selection page comprises object options matched with all transaction objects of the target merchant, and information displayed by the object options comprises identification of the transaction objects, commodity categories supported by the transaction objects and the like. In one embodiment, the object options of the transaction object selection page may be arranged according to the size of the identification of the transaction object. In another embodiment, the object options of the transaction object selection page may be arranged according to a placement position relationship between the transaction objects.

It should be noted that the client may directly obtain the transaction object information of the target merchant from the server of the target merchant. The server of the target merchant and the background server of the target application may be the same server or different servers. When the server of the target merchant and the background server of the target application are different servers, the server of the target merchant may be a dedicated server of the target merchant, and the background server of the target application may be a server for managing multiple merchants and a server for the target application. At this time, the client may also obtain the transaction object information of the target merchant from the server of the target merchant through the background server of the target application. If the background server of the target application stores the transaction object information of the target merchant, the client can also directly acquire the transaction object information of the target merchant from the background server of the target application.

S203, when the client detects the object selection operation aiming at the transaction object selection page, the client generates a transaction query request according to the transaction object selected by the object selection operation. Wherein, the transaction information inquiry request comprises the identification of the transaction object selected by the object selection operation.

S204, the client sends the transaction query request to the server of the target merchant.

S205, the server responds to the transaction inquiry request and acquires transaction information corresponding to the transaction object selected by the object selection operation.

In the embodiment of the application, the server acquires the transaction information of the latest transaction of the transaction object selected by the object selection operation, and takes the transaction information of the latest transaction as the transaction information corresponding to the transaction object. The transaction information may include one or more of a transaction location, a name of a target merchant, an identifier of a transaction object, a commodity category supported by the transaction object, transaction time, a commodity quantity of a transaction, a commodity unit price, and a commodity total price.

S206, the server returns the transaction information to the client.

And S207, the client displays an information display page of the target application according to the transaction information.

In the embodiment of the application, after the client acquires the transaction information of the latest transaction of the transaction object selected by the object selection operation, the information display page of the target application is displayed, and the acquired transaction information is displayed in the information display page, so that the client user can check the transaction information. The information display page may further include a payment method display area, and a default payment method may be displayed in the payment method display area. The information display page can also comprise a prompt information display area, and the prompt information displayed in the prompt information display area can be used for prompting the client user to check the transaction information.

In an embodiment, the payment method display area may include a payment method selection sub-area, and when detecting a trigger operation of a user for the payment method selection sub-area, the client outputs a payment method selection page, where the payment method selection page includes at least one payment method option; and when the client detects the selection operation of the user on the payment mode selection page, the payment mode displayed in the payment mode display area is adjusted according to the payment mode selected by the selection operation. In yet another embodiment, the payment method display area may include a payment method selection sub-area, and when the client detects a trigger operation for the payment method selection sub-area, the client adjusts the payment method displayed in the payment method display area according to a payment method supported by the target application or a payment method set by the user for the target application. Wherein the trigger operation can be a single click, a multiple click, a long press, etc.

And S208, when the client detects the payment operation aiming at the information display page, the client carries out payment processing on the transaction bill corresponding to the transaction information.

In the embodiment of the application, the information display page further comprises a payment interface button. After the transaction information displayed on the information display page is verified to be correct, the client user can initiate a payment process by triggering the payment interface button. When the client detects the triggering operation of the user on the payment interface button, the client determines that the payment operation input by the user on the information display page is detected, determines whether to start a quick payment function for the target application, and carries out risk detection on the account bound by the client. In one embodiment, the quick payment function may be a privacy-free payment function. The risk detection of the account bound by the client comprises the following steps: determining whether the account bound by the client is in an account blacklist, and if not, determining that the account risk detection bound by the client passes; otherwise, the risk detection is not passed. It should be noted that the account bound by the client may be an electronic resource account corresponding to the payment method selected by the user.

If the quick payment function is started for the target application and the risk detection of the account bound by the client is passed, the client transfers the bill amount (namely the total commodity price in the transaction information) corresponding to the transaction information from the account bound by the client to the account of the target merchant through the payment application corresponding to the payment mode selected by the user.

If the quick payment function is not started for the target application but the account risk detection bound by the client is passed, the client outputs a payment password input page corresponding to the payment mode selected by the client user and receives a payment password input by the client user for the payment password input page; and verifying the payment password input by the user through the payment application corresponding to the payment mode selected by the user, and transferring the bill amount corresponding to the transaction information from the account bound by the client to the account of the target merchant after the password verification is passed.

S209, the client acquires the bill payment information and displays the bill payment information, so that the staff of the target merchant can determine whether to complete bill payment according to the bill payment information.

In an embodiment, the client obtains bill payment information returned by a payment application corresponding to a payment method selected by a user, where the bill payment information may include one or more of a name of a target merchant, an account name of the target merchant, a payment result of a transaction bill, a payment amount, a payment method, and payment time.

In another embodiment, the client receives bill payment information sent by the server of the target merchant, and the bill payment information may be generated by the server of the target merchant according to the transaction information and the payment result of the transaction bill. In a possible embodiment, the account payment information may further include information such as the account name of the target merchant, the payment method of the transaction bill, and the payment time.

In a possible embodiment, the staff member of the target merchant may also send a bill payment result query request to the server of the target merchant through the verification device used by the staff member, where the bill payment result query request includes the identification of the corresponding transaction object. After receiving the bill payment result returned by the server of the target merchant, the verification equipment displays the bill payment result so that a worker of the target merchant can determine whether the customer completes bill payment according to the bill payment result; and after confirming that the customer completed the bill payment, the customer is released.

In the embodiment of the application, after the payment of the transaction bill is finished, the client user can also make an electronic bill through the target application. Specifically, when detecting a trigger operation of a bill interface button in a display page for a target application, a client displays an electronic bill making page of the target application; acquiring bill information input by a user aiming at an electronic bill making page, wherein the bill information can comprise a bill head-up (such as an enterprise name), a tax number corresponding to the bill head-up and addressee information. The recipient information may include the recipient's name, phone, mailbox address, and the like. In a possible embodiment, the ticket information may also include a phone, address, issuer, account, etc. corresponding to the ticket heading. Further, the client generates an electronic bill according to the bill information and the transaction information through the target application. Wherein, the content (such as fuel fee), the amount and so on of the electronic bill can be generated according to the transaction information.

The transaction bill processing method provided by the embodiment of the application can realize online self-service payment and effectively improve the payment efficiency; in addition, for some transaction scenes (such as automobile refueling scenes), contactless self-service payment can be realized, so that the payment safety can be ensured. In addition, the online self-service issuing of the electronic bills can be realized, and the issuing efficiency of the electronic bills is improved.

In order to better understand the transaction bill processing method provided by the embodiment of the present application, a vehicle refueling scenario is taken as an example, and is exemplified with reference to the accompanying drawings.

When the owner of the vehicle drives the vehicle to a certain gas station and finishes refueling, a wechat (an instant messaging application) application is opened on the mobile terminal used by the owner of the vehicle, and after a refueling applet is opened in the wechat application, the mobile terminal displays a main page of the refueling applet as shown in fig. 3, wherein the main page comprises a "refuel payment" option 30, an electronic bill interface button 31 and the like. After the mobile terminal loads the refueling small program, the mobile terminal can automatically acquire the positioning position of the mobile terminal. When the user clicks the "fuel payment" option 30, the mobile terminal queries nearby fuel stations according to the location position thereof, and displays a fuel station selection page as shown in fig. 4 according to the fuel station query result, the fuel station selection page including a plurality of fuel station options. The owner can select the fuel station where the owner is currently located in the fuel station selection page. When the mobile terminal displays the gas station selection page, as shown in fig. 4, the distance prompt information of the gas station can be displayed at the upper left corner 40 of the display page according to the gas station selected by the vehicle owner, so that the vehicle owner can conveniently confirm whether the selection is correct according to the distance prompt information of the gas station.

When the owner selects "ZZ gas station" for the gas station selection page shown in fig. 4, the mobile terminal obtains the gun information of "ZZ gas station", which includes the gun number and the oil (fuel oil type) of each gun, and so on. After the mobile terminal acquires the oil gun information of the 'ZZ gas station', a oil gun selection page as shown in FIG. 5 is displayed according to the acquired oil gun information, and the oil gun selection page comprises a plurality of oil gun options. The vehicle owner can select the oil gun used for refueling in the oil gun selection page.

When the vehicle owner selects the gun number 5 for the gun selection page as shown in fig. 5, the mobile terminal obtains the latest fueling information of the gun number 5 from the background service device of the ZZ gas station. After the last fueling information of the "No. 5 gun" is acquired, an information presentation page as shown in fig. 6 is displayed according to the acquired fueling information, so that the vehicle owner checks the displayed fueling information. As shown in fig. 6, the fueling information includes a fueling station name "ZZ fueling station", a gun number "5", an oil product "gasoline No. 92", a fueling liter number, an oil price, a fueling time, an order total price, and the like. As shown in fig. 6, the information presentation page includes a payment method display area 61, and the payment method can be displayed in the payment method display area 61; the payment method display area 61 may include a payment method selection sub-area 62, and the vehicle owner may reselect the payment method by triggering the payment method selection sub-area 62, and the specific implementation manner may refer to the foregoing description, which is not described herein again. The information display page may further include a prompt information display area 63, and the prompt information displayed in the prompt information display area 63 may be used to prompt the owner to check the transaction information. The information presentation page also includes a payment interface button 60, and the owner can initiate a bill payment process by clicking the payment interface button 60 after verifying that the displayed fueling information is correct.

The mobile terminal enters the bill payment process after detecting that the owner of the vehicle clicks the payment interface button 60. If the mobile terminal detects that the secret-free payment function is started for the fueling applet and the risk detection of the account (such as the WeChat wallet account) bound by the mobile terminal is passed (such as the account is not in the account blacklist), the mobile terminal transfers the corresponding amount from the account bound by the mobile terminal to the account of the 'ZZ gas station' through the corresponding payment application (such as the WeChat wallet application).

If the fact that the secret-free payment function is not started for the refueling applet is detected, but the account risk bound by the mobile terminal passes the detection, the mobile terminal outputs a payment password input page shown in the figure 7 and receives a payment password input by a vehicle owner for the payment password input page; and verifying the payment password input by the vehicle owner through the corresponding payment application, and transferring the corresponding amount from the account bound by the mobile terminal to the account of the ZZ gas station after the password verification is passed.

Further, after the bill payment is successful, the bill payment information may be returned to the mobile terminal by the corresponding payment application, and the mobile terminal displays a page as shown in fig. 8a or fig. 8b according to the returned bill payment information. The bill payment information may also be returned to the mobile terminal by the background service device of "ZZ fueling", and the mobile terminal displays the page as shown in fig. 9a or fig. 9b according to the returned bill payment information. The owner of the vehicle shows the page to the staff of the ZZ gas station, and the staff can determine that the bill payment is successful based on the information in the page, so as to pass through the owner of the vehicle and the vehicle thereof.

In the above-mentioned "contactless, do not get off the bus" refuels scheme based on the applet, the car owner need not to get off the bus after getting into the filling station, only in the car, opens the applet of refueling, according to refueling applet geographical positioning, confirms filling station and nozzle, checks the correct back to corresponding refueling information, clicks the payment and can accomplish and refuel and pay fee. After the payment is finished, the payment voucher is shown, and the user can directly leave the field. The self-service refueling mode really realizes the self-service refueling mode without cash, card swiping and code scanning, getting off and entering into a payment place. For the vehicle owner, the vehicle does not need to get off in the whole refueling and payment process, does not need to enter a store to line up for payment, and can finish refueling and payment on line by self through the mobile terminal, so that the payment efficiency is high; in addition, aiming at a special period (such as an epidemic period), external contact can be reduced, and oiling is safer. For the gas station, the operation efficiency of the gas station is improved, and the problems of congestion and the like of the gas station in rush hours can be solved; in addition, the cloud-end synchronous oil adding information can be directly obtained, the system automatically matches transaction records, and accurate matching of transactions can be achieved. In addition, the 'contactless and non-off-vehicle' refueling scheme based on the small program can be deployed quickly, does not need the soil-moving operation of a gas station, and does not affect the normal business of the gas station; meanwhile, investment and installation of hardware equipment are not needed, and the weight is very light.

In addition, after the bill payment is successful, the vehicle owner can make an electronic bill in the fueling applet, and when the vehicle owner clicks the electronic bill interface button 31 in the main page as shown in fig. 3, the mobile terminal displays a page as shown in the left diagram of fig. 10, which includes a "fueling invoice" option and a "history invoice record option". When the owner clicks on the "refuel invoicing" option, the mobile terminal displays an invoicing selection page as shown in the middle diagram of fig. 10, which includes an invoiceable option. After the owner selects the billing option requiring billing, the mobile terminal displays a billing information input page as shown in the right diagram of fig. 10. After the owner inputs the bill information according to the prompt information displayed on the bill information input page, the mobile terminal opens the corresponding electronic bill through the refueling small program. By the mode, online self-service opening of the bills can be realized, waiting in a queue after entering a store is not needed, and opening efficiency of the bills is high.

The following describes a flow of a secret-free payment method and a password payment method according to an embodiment of the present application. Please refer to fig. 11, which is a flowchart illustrating a secret-free payment method according to an embodiment of the present disclosure. As shown in fig. 11, the secret-free payment method mainly includes the following steps:

step 1, after a payment process is initiated in a merchant applet of a client, the merchant applet requests a merchant server to verify the account state of an account bound by the client; the merchant server then queries the payment application for the account status of the account. The payment application returns the account status of the account to the merchant server. The account status includes whether the account is in an account blacklist, whether the account has a balance, whether the account is bound with other deduction modes, and the like.

And 2, when the account state is normal, if the account is not in the account blacklist, the account has balance and the like, the merchant server returns indication information that the account state is normal to the merchant applet. After the merchant applet receives the indication information that the account state is normal, when the opening of the password-free payment function is detected, the merchant applet generates a bill to be paid by using a password-free payment mode and sends the bill to be paid to a merchant server. The bill to be paid comprises information such as bill amount, collection account, deduction reason, deduction mode (such as password-free payment) and the like. It should be noted that, when the account status is abnormal, such as in the account blacklist, the account has no balance, and the like, the merchant server returns the indication information of the account status abnormality to the merchant applet. And after the merchant applet receives the indication information of the abnormal account state, prompting the client user to change the payment mode.

And step 3, after receiving the bill to be paid of the merchant applet, the merchant server initiates a deduction request to the payment application according to the bill to be paid. The payment application verifies the deduction request and determines whether to accept the deduction request according to a verification result; the deduction verification request comprises verification of whether the password-free payment function is started or not, whether a collection account is normal or not and the like. And after the deduction request passes the verification, the payment application confirms the acceptance deduction request, carries out bill payment according to the deduction request, and returns an acceptance result and a bill payment result of successful acceptance of the deduction request to the merchant server. It should be noted that if the payment application does not return the bill payment result, the merchant server may actively query the payment application for the bill payment result.

And 4, the merchant server returns a bill payment result to the merchant applet, and the merchant applet displays a payment result page. The merchant staff can determine the bill payment result according to the payment result page displayed by the merchant applet, and can also inquire the bill payment result from the merchant server through the verification equipment of the merchant staff and determine whether to release the customer according to the bill payment result.

And after the deduction request is not verified, the payment application refuses to accept the deduction request and returns an acceptance result of the deduction request acceptance failure to the merchant server. The merchant server returns to the merchant applet indication information indicating that other payment methods are used. The merchant applet displays the indication to prompt the client user to select another payment method.

By adopting the password-free payment method, the client user does not need to input the password box, and can directly pay by clicking the payment confirmation button, so that the payment efficiency is further improved, and the user can leave the field more quickly.

Please refer to fig. 12, which is a flowchart illustrating a password payment method according to an embodiment of the present disclosure. As shown in fig. 12, the password payment method mainly includes the following steps:

step 1, after a payment process is initiated in a merchant applet of a client, the merchant applet requests a background order issuing interface from a merchant server; the merchant server requests a unified ordering interface from the payment application. The payment application returns a prepaid identification to the merchant server.

And 2, after the merchant server receives the prepayment identifier returned by the payment application, instructing the merchant applet to generate prepayment parameters. The prepayment parameters comprise information such as bill amount, collection account, deduction reason, deduction mode (such as password payment), prepayment identification and the like. And the merchant applet invokes the payment application to pay the bill according to the generated prepayment parameters, such as invoking wx.

And 3, the payment application verifies the pre-payment parameters, including whether the pre-payment identifier is correct, whether a collection account is normal and the like. After the pre-payment parameter verification passes, the payment application instructs the merchant applet to display a password entry page. The applet obtains the password input by the client user and sends the password to the payment application for verification. And after the password is verified, the payment application confirms that the calling is successful, carries out bill payment, returns a calling result to the merchant applet and returns a bill payment result to the merchant server. It should be noted that if the payment application does not return the bill payment result, the merchant server may actively query the payment application for the bill payment result.

In the transaction bill processing method provided by the embodiment of the application, a secret payment-free mode and a password payment mode are provided, so that the diversity of payment modes can be increased.

Referring to fig. 13, fig. 13 is a schematic structural diagram of a transaction bill processing apparatus according to an embodiment of the present disclosure. The transaction bill processing device described in the embodiment of the present application corresponds to the client described above, and includes:

a processing unit 1301, configured to respond to the application loading instruction to load the target application;

a positioning unit 1302, configured to obtain location information of a client;

a display unit 1303, configured to display a transaction object selection page of the target application according to a target merchant corresponding to the location information, where the transaction object selection page includes object options matched with each transaction object of the target merchant;

the processing unit 1301 is further configured to, when an object selection operation for the transaction object selection page is detected, obtain, through the transceiver unit 1304, transaction information corresponding to the transaction object selected by the object selection operation, and trigger the display unit 1303 to display the information display page of the target application according to the transaction information;

the processing unit 1301 is further configured to perform payment processing on the transaction bill corresponding to the transaction information when a payment operation for the information display page is detected.

In an embodiment, the processing unit 1301 is further configured to determine at least one merchant to be selected according to the location information;

the display unit 1303 is further configured to display a merchant selection page of the target application, and display merchant options matched with the merchants to be selected on the merchant selection page;

the processing unit 1301 is further configured to, when a merchant selection operation for the merchant selection page is detected, take the merchant selected by the merchant selection operation as a target merchant;

the display unit 1303 is further configured to display a transaction object selection page of the target application according to the target merchant.

In an embodiment, the target application is an application associated with a target type of transaction; the processing unit 1301 is specifically configured to:

In an embodiment, the processing unit 1301 is specifically configured to:

In an embodiment, the transceiver 1304 is further configured to receive bill payment information sent by the server of the target merchant, where the bill payment information is generated by the server according to the transaction information and the payment result of the transaction bill;

the display unit 1303 is further configured to display the bill payment information, so that a worker of the target merchant determines whether to complete bill payment according to the bill payment information.

In an embodiment, the processing unit 1301 is further configured to:

after the transaction bill payment is completed, when a trigger operation of a bill interface button in a display page of the target application is detected, triggering the display unit 1303 to display an electronic bill making page of the target application; and generating the electronic bill according to the bill information input aiming at the electronic bill making page and the transaction information by the target application.

In an embodiment, the processing unit 1301 is specifically configured to:

generating a transaction query request according to the transaction object selected by the object selection operation, and sending the transaction query request to the server of the target merchant through the transceiving unit 1304; and receiving transaction information which is returned by the server in response to the transaction query request and corresponds to the transaction object selected by the object selection operation through the transceiving unit 1304.

It can be understood that the functions of the functional units of the transaction bill processing apparatus in the embodiment of the present application may be specifically implemented according to the method in the foregoing method embodiment, and the specific implementation process may refer to the related description of the foregoing method embodiment, which is not described herein again.

The transaction bill processing device provided by the embodiment of the application can realize online self-service payment, and effectively improve the payment efficiency; in addition, for some transaction scenes (such as automobile refueling scenes), contactless self-service payment can be realized, so that the payment safety can be ensured. In addition, the online self-service issuing of the electronic bills can be realized, and the issuing efficiency of the electronic bills is improved.

Referring to fig. 14, fig. 14 is a schematic structural diagram of a computer device according to an embodiment of the present disclosure. The computer device described in the embodiment of the present application corresponds to the client described above, and includes: a processor 1401, a user interface 1402, a communication interface 1403, and a memory 1404. The processor 1401, the user interface 1402, the communication interface 1403, and the memory 1404 may be connected by a bus or other means, and the bus connection is taken as an example in the embodiment of the present application.

The processor 1401 (or CPU) is a computing core and a control core of the computer device, and can analyze various instructions in the computer device and process various data of the computer device, for example: the CPU can be used for analyzing a power-on and power-off instruction sent to the computer equipment by a user and controlling the computer equipment to carry out power-on and power-off operation; the following steps are repeated: the CPU may transmit various types of interactive data between the internal structures of the computer device, and so on. The user interface 1402 is a medium for implementing interaction and information exchange between a user and a computer device, and may be embodied by a Display screen (Display) for output, a touch screen for input, a sound pickup device, a Keyboard (Keyboard), and the like. The communication interface 1403 optionally may include a standard wired interface, a wireless interface (e.g., Wi-Fi, mobile communication interface, etc.) controlled by the processor 1401 for transceiving data. The Memory 1404(Memory) is a Memory device in the computer device for storing programs and data. It will be appreciated that the memory 1404 may comprise both internal memory of the computing device and, of course, extended memory supported by the computing device. Memory 1404 provides storage space that stores the operating system of the computer device, which may include, but is not limited to: android system, iOS system, Windows Phone system, etc., which are not limited in this application.

In the embodiment of the present application, the processor 1401 executes the executable program code in the memory 1404 to perform the following operations:

loading the target application in response to the application load instruction;

acquiring location information of a client, and displaying a transaction object selection page of the target application according to a target merchant corresponding to the location information through a user interface 1402, wherein the transaction object selection page comprises object options matched with each transaction object of the target merchant;

when an object selection operation for the transaction object selection page is detected, acquiring transaction information corresponding to the transaction object selected by the object selection operation through the communication interface 1403, and displaying an information display page of the target application according to the transaction information through the user interface 1402;

In an embodiment, when the processor 1401 displays, through the user interface 1402, the transaction object selection page of the target application according to the target merchant corresponding to the location information, specifically, the processor is configured to:

determining at least one merchant to be selected according to the position information; displaying a merchant selection page of the target application through a user interface 1402, and displaying merchant options matched with all merchants to be selected on the merchant selection page; when merchant selection operation aiming at the merchant selection page is detected, the merchant selected by the merchant selection operation is taken as a target merchant; and displaying a transaction object selection page of the target application according to the target merchant through the user interface 1402.

In an embodiment, the target application is an application associated with a target type of transaction; when the processor 1401 determines at least one merchant to be selected according to the location information, it is specifically configured to:

In an embodiment, when the processor 1401 detects a payment operation for the information presentation page, and performs payment processing on a transaction bill corresponding to the transaction information, it is specifically configured to: when the payment operation aiming at the information display page is detected, determining whether a quick payment function is started aiming at the target application, and carrying out risk detection on the account bound by the client; and if the quick payment function is started for the target application and the risk detection of the account bound by the client is passed, transferring the bill amount corresponding to the transaction information from the account bound by the client to the account of the target merchant.

In an embodiment, the processor 1401, when detecting a payment operation for the information presentation page, is further configured to, after performing payment processing on a transaction bill corresponding to the transaction information:

receiving bill payment information sent by the server of the target merchant through the communication interface 1403, where the bill payment information is generated by the server according to the transaction information and the payment result of the transaction bill; the bill payment information is displayed via the user interface 1402 so that the staff of the target merchant determines whether to complete bill payment based on the bill payment information.

after the transaction bill payment is completed, when a trigger operation for a bill interface button in a display page of the target application is detected, displaying an electronic bill making page of the target application through a user interface 1402; and generating the electronic bill according to the bill information input aiming at the electronic bill making page and the transaction information by the target application.

In an embodiment, when the processor 1401 acquires the transaction information corresponding to the transaction object selected by the object selection operation, it is specifically configured to:

generating a transaction query request according to the transaction object selected by the object selection operation, and sending the transaction query request to the server of the target merchant through a communication interface 1403; and receiving transaction information corresponding to the transaction object selected by the object selection operation, which is returned by the server in response to the transaction query request, through the communication interface 1403.

In a specific implementation, the processor 1401, the user interface 1402, the communication interface 1403, and the memory 1404 described in this embodiment may execute an implementation manner of the client described in the transaction bill processing method provided in this embodiment, and may also execute an implementation manner described in a transaction bill processing apparatus provided in this embodiment, which is not described herein again.

The computer equipment provided by the embodiment of the application can realize online self-service payment, and effectively improves the payment efficiency; in addition, for some transaction scenes (such as automobile refueling scenes), contactless self-service payment can be realized, so that the payment safety can be ensured. In addition, the online self-service issuing of the electronic bills can be realized, and the issuing efficiency of the electronic bills is improved.

The embodiment of the present application further provides a computer-readable storage medium, in which instructions are stored, and when the computer-readable storage medium runs on a computer, the computer is caused to execute the transaction bill processing method according to the embodiment of the present application; for specific implementation, reference may be made to the foregoing description, which is not repeated herein.

Embodiments of the present application also provide a computer program product containing instructions, which when run on a computer, cause the computer to execute the transaction bill processing method according to embodiments of the present application; for specific implementation, reference may be made to the foregoing description, which is not repeated herein.

It should be noted that, for simplicity of description, the above-mentioned embodiments of the method are described as a series of acts or combinations, but those skilled in the art should understand that the present application is not limited by the order of acts described, as some steps may be performed in other orders or simultaneously according to the present application. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required in this application.

Those skilled in the art will appreciate that all or part of the steps in the methods of the above embodiments may be implemented by associated hardware instructed by a program, which may be stored in a computer-readable storage medium, and the storage medium may include: flash disks, Read-Only memories (ROMs), Random Access Memories (RAMs), magnetic or optical disks, and the like.

The above disclosure is only a few examples of the present application, and certainly should not be taken as limiting the scope of the present application, which is therefore intended to cover all modifications that are within the scope of the present application and which are equivalent to the claims.

Claims

1. A method of processing a transaction bill, the method comprising:

loading the target application in response to the application load instruction;

2. The method according to claim 1, wherein the displaying the transaction object selection page of the target application according to the target merchant corresponding to the location information comprises:

determining at least one merchant to be selected according to the position information;

displaying a merchant selection page of the target application, and displaying merchant options matched with each merchant to be selected on the merchant selection page;

when merchant selection operation aiming at the merchant selection page is detected, the merchant selected by the merchant selection operation is taken as a target merchant;

and displaying a transaction object selection page of the target application according to the target merchant.

3. The method of claim 2, wherein the target application is an application associated with a target type of transaction;

the determining at least one merchant to be selected according to the position information includes:

determining a merchant inquiry geographical area according to the position information;

obtaining at least one merchant that is within the merchant query geographic area and supports the target type of transaction;

and taking at least one merchant which is in the merchant inquiry geographic area and supports the target type of transaction as a merchant to be selected.

4. The method of claim 1, wherein the performing payment processing on the transaction bill corresponding to the transaction information when the payment operation for the information presentation page is detected comprises:

when the payment operation aiming at the information display page is detected, determining whether a quick payment function is started aiming at the target application, and carrying out risk detection on the account bound by the client;

and if the quick payment function is started for the target application and the risk detection of the account bound by the client is passed, transferring the bill amount corresponding to the transaction information from the account bound by the client to the account of the target merchant.

5. The method as claimed in claim 1 or 4, wherein after the payment processing is performed on the transaction bill corresponding to the transaction information when the payment operation for the information presentation page is detected, the method further comprises:

receiving bill payment information sent by a server of the target merchant, wherein the bill payment information is generated by the server according to the transaction information and the payment result of the transaction bill;

and displaying the bill payment information so that the staff of the target merchant can determine whether to complete bill payment according to the bill payment information.

6. The method of claim 1, wherein after the payment processing of the transaction bill corresponding to the transaction information is performed when the payment operation for the information presentation page is detected, the method further comprises:

after the transaction bill payment is completed, when the trigger operation of a bill interface button in a display page of the target application is detected, displaying an electronic bill making page of the target application;

and generating the electronic bill according to the bill information input aiming at the electronic bill making page and the transaction information by the target application.

7. The method of claim 1, wherein the obtaining transaction information corresponding to the transaction object selected by the object selection operation comprises:

generating a transaction query request according to the transaction object selected by the object selection operation, and sending the transaction query request to a server of the target merchant;

and receiving the transaction information which is returned by the server in response to the transaction query request and corresponds to the transaction object selected by the object selection operation.

8. A transaction bill processing apparatus, characterized in that the apparatus comprises:

9. A computer device, comprising: a processor, a communication interface and a memory, the processor, the communication interface and the memory being interconnected, wherein the memory stores executable program code, the processor being configured to invoke the executable program code to perform the transaction bill processing method of any of claims 1-7.

10. A computer-readable storage medium having stored therein instructions which, when executed on a computer, cause the computer to execute the transaction bill processing method according to any one of claims 1 to 7.