CN114331420B - Payment system and method based on geographic position - Google Patents
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Abstract
The invention discloses a payment system and a method based on geographic position, which relates to the technical field of on-line payment management, wherein a threshold analysis unit is used for analyzing the upper limit of a threshold of the amount of money collected from a collection account, the upper limit of the collection account is set, a label adding unit is used for adding a label to a transaction exceeding the upper limit of the payment, so that the economic loss caused by misoperation of a payer during payment is avoided, and the economic guarantee is provided for the payer.
Description
Technical Field
The invention relates to the technical field of online payment management, in particular to a payment system and method based on geographic positions.
Background
With the continuous progress and development of science and technology, online payment becomes the mainstream payment mode of the current young people, the online payment is widely accepted by the public by virtue of the characteristics of rapidness and convenience, the payment method is widely used at present, a payer pays a fee to a payee by scanning a two-dimensional payment code, all payment behaviors are based on mutual trust, because the payer has the possibility of false code scanning payment, which finally results in incomplete code scanning payment, the conventional means is to remind the payer by means of collection voice prompt, but the voice prompt of the collection can cause the problem of poor timeliness when the network is not good enough, the problem of false code scanning payment can not be fundamentally solved, the loss can be caused to the collection party, and in addition, when online payment is carried out, the payer is easy to input a wrong payment amount, which results in excessive payment fees, such as: similar operational errors cause huge economic losses to the payer when the payment password is used as the amount of the payment fee, so that a payment system and method based on the geographical location are urgently needed to solve the above problems.
Disclosure of Invention
The invention aims to provide a payment system and method based on geographic positions so as to solve the problems in the prior art.
In order to achieve the purpose, the invention provides the following technical scheme: a payment system based on geographic position comprises a payment terminal, a collection terminal, an information acquisition module, a payment judgment module and a money recovery module;
the payment terminal is used for paying transaction money by a payer, the collection terminal is used for collecting the transaction money by a payee, and the information acquisition module is used for acquiring account information of the payment terminal when the payment terminal pays the transaction money, wherein the account information comprises but is not limited to geographical position information, a payment account name and a collection account name; the payment judging module is used for judging whether the payment amount of the payment terminal exceeds a set threshold value according to the difference of the geographic positions of the payment terminal when the payment is carried out, so that the property safety of a payer is prevented from being influenced due to the fact that the payment amount of the payment terminal is too large due to misoperation when the payment terminal carries out payment, the money recovering module is used for recovering money which is failed in payment due to false code scanning payment of the payment terminal, the money recovering can be carried out under the condition that the transaction amount is wrongly filled due to misoperation, and loss caused to the payer is reduced;
the collection terminal generates a collection two-dimensional code which is used for scanning the code by the payment terminal to enter the payment system;
the payment terminal comprises a code scanning camera and is used for scanning a collection two-dimensional code generated by the payment terminal and entering a payment system;
the payment judging module comprises a payment monitoring unit and a threshold value analyzing unit;
the payment monitoring unit is used for monitoring the payment amount input by the payment terminal, so that whether the payment terminal inputs the amount conforming to the conventional reason or not or whether the payment terminal inputs the payment amount can be accurately judged, the threshold value analysis unit is used for analyzing the upper limit threshold value of the payment amount of the payment terminal according to the geographic position information of the payment terminal, the phenomenon that the payment amount is overlarge due to misoperation is reduced, and the property safety of a payer is guaranteed;
the money recourse module comprises a label adding unit, a money returning unit and a money recoiling selection unit;
the payment terminal comprises a label adding unit, a payment terminal and a receipt selecting unit, wherein the label adding unit is used for adding a label to the payment amount of the payment terminal exceeding a set threshold value, so that the payment amount is returned conveniently according to the added label, the loss of a payer is reduced, the receipt returning unit is used for returning the payment amount of the label added by the label adding unit within a certain period based on the complaint of the payment terminal, and the receipt selecting unit is used for selecting a mode of returning the non-paid payment amount by the receipt terminal when the payment terminal performs false code scanning payment, so that a money returning means can be provided for the receipt, and the property loss of the receipt is reduced.
According to the technical scheme, the money-returning selection unit comprises a manual money-returning unit and an automatic money-returning unit;
the manual money return comprises a model building subunit, a position marking subunit and a path planning subunit;
the model establishing subunit is used for establishing a two-dimensional model of the position information of the payment terminal and the collection terminal and establishing a coordinate system of the two-dimensional model, the position marking subunit is used for marking on the two-dimensional model according to the position information of the payment terminal acquired by the information acquisition module, and the path planning subunit is used for planning a route to the position of the payment terminal according to the position information of the payment terminal on the two-dimensional model;
the automatic refund comprises a transaction marking subunit and a payment limiting subunit;
the transaction marking subunit is used for marking the transaction of the unfinished payment of the payment terminal, and the payment limiting subunit is used for limiting the payment terminal marked with the unfinished payment to continue the transaction until the payment of the non-paid money is finished.
Through the technical scheme, the payee is given a mode of recovering the unpaid money, so that the payee selects a money recovery mode according to the actual amount of the money and the actual condition of the payee, the loss of the payee can be reduced, and the fairness and the safety of the transaction are guaranteed.
According to the technical scheme, the transaction is completed, and the payment system terminates the monitoring information acquisition of the payment terminal.
A method of geographic location based payment, the method comprising the steps of:
s1, the payment terminal scans the two-dimensional code of the collection and enters a payment system;
s11, analyzing the payment threshold upper limit of the payment account according to the collection account information of the collection terminal by using a threshold analysis unit;
s2, the payment system acquires the account information of the payment terminal by using the information acquisition module;
s3, the payment system monitors the payment amount input by the payment terminal by using the payment monitoring unit;
s31, normally completing payment of the payment amount;
s32, adding a label to the paid money by using a label adding unit when the payment amount exceeds the set upper limit of the threshold;
s33, the payment terminal fails to pay due to the fact that the payment amount is not input, and the collection terminal selects a mode of recovering the money;
s331, the collection terminal selects manual recovery;
s332, the collection terminal selects automatic recovery;
in S11, the threshold value analysis unit acquires position information of the collection account and acquires historical collection information of the collection account, and forms a set of historical collection information P = { P = }1、P2、P3、…、PnExtracting the maximum value P in the set P by using a threshold analysis unitmaxThe threshold analysis unit performs the calculation of the variables in the set P according to the following formula:
wherein the content of the first and second substances,
indicating the amount of the ith charge of the charge account,
an amount representing the kth collection of the collection account;
set Q = &whichconstitutes collection account collection amount variable
Extracting the maximum value in the set Q by using a threshold analysis unit
The threshold value analysis unit calculates the upper limit threshold value of the payment amount of the payment account according to the following formula:
wherein, POn the upper partThe indication threshold value analysis unit calculates the analyzed and set payment account payment amount upper limit threshold value.
By extracting the maximum of the historical collection amounts
And calculating the maximum value of the variable between every two in the historical collection amount
The maximum value of the historical transaction amount and the maximum value of the historical transaction amount variable are fully considered in the invention, and the accuracy and the foundation of threshold setting can be improved under the condition that the upper limit threshold setting is ensured as much as possible.
According to the technical scheme, the payment monitoring unit is used for monitoring the payment amount W input by the payment terminal, and the payment judging module is used for judging whether the input payment amount W is larger than the upper limit threshold value P analyzed by the threshold value analyzing unitOn the upper part；
When W < POn the upper partWhen the payment terminal inputs the payment password, the payment terminal indicates that the payment amount W of the payer at the current position is normalCompleting the payment;
when W is more than or equal to POn the upper partAnd when the payment amount W of the payer at the current position is abnormal, the label adding unit is used for adding a label to the payment process, the money item returning unit is used for returning the money item with the label added by the label adding unit within a certain term based on the complaint of the payment terminal, and the returning of the money item needs coordination between the payer and the payee.
Through the technical scheme, the position that can pay the money according to the payer is different, the upper limit threshold value is analyzed according to the historical payment amount information of the position, the excessive money can be effectively prevented from being paid by the payer due to misoperation, the rights and interests of the payer can be guaranteed to the greatest extent, the property safety of the payer is guaranteed, the label is added after payment, payment is realized in a later return mode, the condition that high payment amount exists in the actual condition is fully considered, the payment transaction is smoother, and the normal payment transaction process is not influenced.
According to the technical scheme, the payment amount input by the payment terminal is monitored by the payment monitoring unit, when the payer does not input the payment amount and quits the payment system, the payment system judges that the transaction is cancelled, the payment terminal is monitored in real time by the position information of the payment terminal acquired by the information acquisition module, and the payment terminal quits the payment section due to code scanning error, so that the payment system displays the transaction which is not completed and whether the corresponding money is recovered or not is judged by the payee according to the transaction which is not completed and displayed on the payee terminal, and the payee terminal selects manual money recovery or automatic money recovery in a money recovery mode.
Through the technical scheme, the situation that the payer maliciously cancels payment is judged under the situation that whether the payee maliciously cancels payment is not clear, so that the payee can be helped to judge, and the situation that whether the payer cancels payment is maliciously judged because the payee can not accurately judge whether the payer cancels payment when receiving more money is needed, and therefore, a payment system is needed to assist in judgment.
According to the technical scheme, when the automatic refund is selected by the collection terminal, the payment account of the payment terminal is marked by using the transaction marking subunit, and the marking information is transmitted to the transaction limiting subunit, the transaction limiting subunit limits the normal transaction of the payment account, and the payment account can continue to be paid and used only by completing the payment of the previous unpaid payment;
because if the payer chooses not to pay the transaction for a large amount and then does not pay online, the payee will have a large loss, and therefore, a manual money return mode is provided for the payee to choose;
when the collection terminal selects manual money return, the model establishing subunit is used for establishing a two-dimensional model of a plane where the collection terminal and the payment terminal are located, a coordinate system is established, the position marking subunit marks the position of the payment terminal in the two-dimensional model according to the position information of the payment terminal acquired by the information acquisition module, and a coordinate value (X) of the payment terminal in the coordinate system is giveni，Yi) Giving the coordinate value (M) of the coordinate system to the receipt terminalk，Nk）；
Planning a route from the collection terminal to the position of the payment terminal by using a path planning subunit, wherein the path planning subunit acquires the change of the coordinate value of the payment terminal in unit time t, and the change is represented by (X)i，Yi) Become (X)i+1，Yi+1) Calculating the position change speed of the payment terminal in the unit time t according to the following formula:
wherein t represents a unit time;
when in use
When the payment system indicates that the payer is moving by means of the vehicle, the payment system does not suggest that the payee finds the payer to go on in the current time periodReturning money;
when in use
If so, indicating that the payer moves by foot, planning a path to the position of the payer for the payee by the payment system, and A representing a set speed threshold;
the path planning subunit takes the position to be reached by the payer as an end point of path planning according to the traveling direction and the traveling speed of the payer and the distance between the payee and the payer;
by the technical scheme, the route of the payee can be planned according to the changed end point, so that the route can be planned more flexibly;
when in use
And when the current position of the payer is not moved, the path planning subunit plans the path by taking the current position of the payer as an end point.
By the technical scheme, the route of the payee for finding the payer can be intelligently planned by comprehensively considering the position change and the position change of the payer, so that the time spent by the payer for finding the payee can be shortened under the condition that the payee for finding the payer can be ensured.
Compared with the prior art, the invention has the beneficial effects that:
1. the invention is provided with a threshold value analysis unit, and the reasonability of the setting of the upper limit threshold value can be ensured to the greatest extent through a unique threshold value analysis mode, the set upper limit threshold value is the maximum value extracted under the normal condition, but the condition that the transaction amount is larger in individual transactions is not excluded in the payment field.
2. The invention is provided with the label adding unit and the money returning unit, so that the transaction can be marked when the payment amount is abnormal, the possibility of writing and returning the amount of the transaction at the later stage exists, and the rights and interests and property safety of a payer are guaranteed as much as possible.
3. The invention is provided with a refund selection unit, a manual refund and an automatic refund, so that the payment system can mark and track the payment account for canceling the payment, help the payee to judge the reason for canceling the payment of the payer, and provide an opinion, so that the payee can select a refund mode according to the actual amount and the actual condition, and in the refund mode, the active refund is set, the path of the payer is searched for by the payee to be planned, and the adjustment of the path can be realized according to the path change of the payer, thereby being more intelligent and humanized.
Drawings
FIG. 1 is a schematic diagram of a module structure of a geographic location based payment system according to the present invention;
FIG. 2 is a schematic diagram of a cash-back selection architecture of a geographic location based payment system according to the present invention;
fig. 3 is a schematic flow chart of a payment method based on geographic location according to the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, 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 invention.
As shown in fig. 1 to 3, the present invention provides a technical solution, a payment system based on geographic location, which includes a payment terminal, a collection terminal, an information acquisition module, a payment judgment module, and a money recollection module;
the payment terminal is used for paying transaction money by a payer, the collection terminal is used for collecting the transaction money by a payee, and the information acquisition module is used for acquiring account information of the payment terminal when the payment terminal pays the transaction money, wherein the account information comprises but is not limited to geographical position information, a payment account name and a collection account name; so that the upper limit of the payment threshold of the payment terminal can be analyzed according to the position information of the payee terminal, because the upper limit of the transaction amount is different at different positions, for example: when buying vegetables in the dish market, the transaction amount cannot be higher than 10000 yuan, if someone pays 10000 yuan in the dish market transaction, the transaction amount of the transaction has a problem, the payment judging module is used for judging whether the payment amount of the payment terminal exceeds a set threshold value according to the difference of the geographic positions of the payment terminal when paying, the phenomenon that the payment amount is too large due to misoperation and the property safety of a payer is affected when the payment terminal pays is avoided, the money retrieving module is used for retrieving money which is paid by false code scanning payment of the payment terminal and fails to pay, the money retrieving can be carried out under the condition that the transaction amount is wrongly filled due to misoperation, and the loss caused to the payer is reduced, for example: when a person takes a taxi to pay for a taxi, the payment password is wrongly paid to the payee as the transaction amount, and the transaction amount far exceeds the upper limit of the transaction amount of the payee, so that the transaction amount can be returned after the payment amount is found by the payer or the payee;
the collection terminal generates a collection two-dimensional code which is used for scanning the code by the payment terminal to enter the payment system;
the payment terminal comprises a code scanning camera and is used for scanning a collection two-dimensional code generated by the payment terminal and entering a payment system;
the payment judging module comprises a payment monitoring unit and a threshold value analyzing unit;
the payment monitoring unit is used for monitoring the payment amount input by the payment terminal, so that whether the payment terminal inputs the amount conforming to the conventional reason or not or whether the payment terminal inputs the payment amount can be accurately judged, the threshold value analysis unit is used for analyzing the upper limit threshold value of the payment amount of the payment terminal according to the geographic position information of the payment terminal, the phenomenon that the payment amount is overlarge due to misoperation is reduced, and the property safety of a payer is guaranteed;
the money recourse module comprises a label adding unit, a money returning unit and a money recoiling selection unit;
the payment terminal comprises a label adding unit, a payment terminal and a receipt selecting unit, wherein the label adding unit is used for adding a label to the payment amount of the payment terminal exceeding a set threshold value, so that the payment amount is returned conveniently according to the added label, the loss of a payer is reduced, the receipt returning unit is used for returning the payment amount of the label added by the label adding unit within a certain period based on the complaint of the payment terminal, and the receipt selecting unit is used for selecting a mode of returning the non-paid payment amount by the receipt terminal when the payment terminal performs false code scanning payment, so that a money returning means can be provided for the receipt, and the property loss of the receipt is reduced.
The money return selection unit comprises manual money return and automatic money return;
the manual money return comprises a model building subunit, a position marking subunit and a path planning subunit;
the model establishing subunit is used for establishing a two-dimensional model of the position information of the payment terminal and the collection terminal and establishing a coordinate system of the two-dimensional model, the position marking subunit is used for marking on the two-dimensional model according to the position information of the payment terminal acquired by the information acquisition module, and the path planning subunit is used for planning a route to the position of the payment terminal according to the position information of the payment terminal on the two-dimensional model;
the automatic refund comprises a transaction marking subunit and a payment limiting subunit;
the transaction marking subunit is used for marking the transaction of the unfinished payment of the payment terminal, and the payment limiting subunit is used for limiting the payment terminal marked with the unfinished payment to continue the transaction until the payment of the non-paid money is finished.
Through the technical scheme, the payee is given a way of recovering the unpaid money, so that the payee can select a money recovery way according to the actual amount of the money and the actual condition of the payee, the loss of the payee can be reduced, and the fairness and the safety of the transaction are guaranteed.
And when the transaction is completed, the payment system terminates the acquisition of the monitoring information of the payment terminal.
A method of payment based on geographic location, the method comprising the steps of:
s1, the payment terminal scans the two-dimensional code of the collection and enters a payment system;
s11, analyzing the payment threshold upper limit of the payment account according to the collection account information of the collection terminal by using a threshold analysis unit;
s2, the payment system acquires the account information of the payment terminal by using the information acquisition module;
s3, the payment system monitors the payment amount input by the payment terminal by using the payment monitoring unit;
s31, normally completing payment of the payment amount;
s32, adding a label to the paid money by using a label adding unit when the payment amount exceeds the set upper limit of the threshold;
s33, the payment terminal fails to pay due to the fact that the payment amount is not input, and the collection terminal selects a mode of recovering the money;
s331, the collection terminal selects manual recovery;
s332, the collection terminal selects automatic recovery;
in S11, the threshold value analysis unit acquires position information of the collection account and acquires historical collection information of the collection account, and forms a set of historical collection information P = { P = }1、P2、P3、…、PnExtracting the maximum value P in the set P by using a threshold analysis unitmaxThe threshold analysis unit performs the calculation of the variables in the set P according to the following formula:
wherein the content of the first and second substances,
indicating collection of moneyThe amount of the ith charge of the account,
an amount representing the kth collection of the collection account;
set Q =: (compact) constituting collection account collection amount variable
Extracting the maximum value in the set Q by using a threshold analysis unit
The threshold value analysis unit calculates the upper limit threshold value of the payment amount of the payment account according to the following formula:
wherein, POn the upper partThe indication threshold value analysis unit calculates the upper limit threshold value of the payment amount of the payment account which is analyzed and set.
By extracting the maximum of the historical collection amounts
And calculating the maximum value of the variable between every two in the historical collection amount
The maximum value of the historical transaction amount and the maximum value of the variable of the historical transaction amount are fully considered in the invention, and the accuracy and the foundation of threshold value setting can be improved under the condition of ensuring the reasonability of the upper limit threshold value setting as much as possible.
The payment amount W input by the payment terminal is monitored by the payment monitoring unitJudging whether the input payment amount W is larger than the upper limit threshold value P analyzed by the threshold value analysis unit by using the payment judgment moduleOn the upper part；
When W < POn the upper partWhen the payment is finished, the payment amount W of the payer at the current position is normal, and the payment is finished after the payment terminal inputs the payment password;
when W is more than or equal to POn the upper partAnd when the payment amount W of the payer at the current position is abnormal, the label adding unit is used for adding a label to the transaction, the money item with the label added by the label adding unit is returned within a certain term by the money returning unit based on the complaint of the payment terminal, and the returning of the money item needs coordination between the payer and the payee.
Through the technical scheme, the position that can pay the money according to the payer is different, the upper limit threshold value is analyzed according to the historical payment amount information of the position, the excessive money can be effectively prevented from being paid by the payer due to misoperation, the rights and interests of the payer can be guaranteed to the greatest extent, the property safety of the payer is guaranteed, the label is added after payment, payment is realized in a later return mode, the condition that high payment amount exists in the actual condition is fully considered, the payment transaction is smoother, and the normal payment transaction process is not influenced.
The payment monitoring unit is used for monitoring the payment amount input by the payment terminal, when the payer does not input the payment amount and quits the payment system, the payment system judges that the transaction is cancelled, the payment terminal is monitored in real time by using the position information of the payment terminal acquired by the information acquisition module, and the payment terminal quits the payment section due to code scanning error, so that the payment system can display the transaction which is not completed and the payee can self-judge whether to recover the corresponding money or not according to the transaction which is not completed and displayed on the payee terminal, and the payee terminal selects manual money recovery or automatic money recovery on a money recovery mode.
In another embodiment, the payment system marks the unpaid payment account, and when the marked payment account is marked more than a set threshold and the payment account has the recovered money, the payment system reminds the payee of recovering the money, because the payment behavior of the payment account has the possibility of false code-scanning payment, and because the marked number is more than the set threshold and the money is recovered, the payment account has the behavior of maliciously canceling the payment, so the payee needs to be actively reminded of recovering the money of the transaction.
Through the technical scheme, the situation that the payer maliciously cancels payment is judged under the situation that whether the payee maliciously cancels payment is not clear, so that the payee can be helped to judge, and the situation that whether the payer cancels payment is maliciously judged because the payee can not accurately judge whether the payer cancels payment when receiving more money is needed, and therefore, a payment system is needed to assist in judgment.
When the automatic payment returning is selected by the collection terminal, the payment account of the payment terminal is marked by using the transaction marking subunit, and the marking information is transmitted to the transaction limiting subunit, the transaction limiting subunit limits the normal transaction of the payment account, and the payment account can continue to be paid and used only by completing the payment of the previous unpaid payment;
because if the payer chooses not to pay the transaction for a large amount and then does not pay online, the payee will have a large loss, and therefore, a manual money return mode is provided for the payee to choose;
when the collection terminal selects manual money return, the model establishing subunit is used for establishing a two-dimensional model of a plane where the collection terminal and the payment terminal are located, a coordinate system is established, the position marking subunit marks the position of the payment terminal in the two-dimensional model according to the position information of the payment terminal acquired by the information acquisition module, and a coordinate value (X) of the payment terminal in the coordinate system is giveni，Yi) Giving the coordinate value (M) of the coordinate system to the receipt terminalk，Nk）；
Planning the payment terminal to go to the payment by using the path planning subunitA route of the position of the terminal, the route planning subunit obtaining the change of the coordinate value of the payment terminal in the unit time t, from (X)i，Yi) Become (X)i+1，Yi+1) Calculating the position change speed of the payment terminal in the unit time t according to the following formula:
wherein t represents a unit time;
when the temperature is higher than the set temperature
When the payment system is used, the payer is indicated to move by taking a vehicle, and the payment system does not suggest the payee to search the payer for a refund in the current time period;
when in use
If so, indicating that the payer moves by foot, planning a path to the position of the payer for the payee by the payment system, and A representing a set speed threshold;
the path planning subunit takes the position to be reached by the payer as the end point of the path planning according to the travel direction and the travel speed of the payer and the distance between the payee and the payer, for example: the payer reaches the point B after the time T, and the payee reaches the point B after the time T is less than the time T, then the path planning subunit plans the path by taking the point B as the destination of the path planning, so that the time of the payee can be saved to the maximum extent, and meanwhile, the path is saved, so that the payee can return money as soon as possible;
by the technical scheme, the route of the payee can be planned according to the changed end point, so that the route can be planned more flexibly;
when the temperature is higher than the set temperature
When it is indicated that the payer's current location has not occurredAnd moving, and the path planning subunit plans the path by taking the current position of the payer as an end point.
By the technical scheme, the route of the payee for finding the payer can be intelligently planned by comprehensively considering the position change and the position change of the payer, so that the time spent by the payer for finding the payee can be shortened under the condition that the payee for finding the payer can be ensured.
The first embodiment is as follows:
the threshold value analysis unit acquires position information of a collection account and historical collection information of the collection account, and a set P = { P } of the historical collection information is formed1、P2、P3、…、Pn} = {35,56,38,102,75,12}, and the maximum value P in the set P is extracted by the threshold analysis unitmax=102, the threshold analysis unit performs the calculation of variables in the set P according to the following equation:
set Q = &whichconstitutes collection account collection amount variable
}
= {21,3,67,40, 23,18,46,19,44,65,19,26,27,90,63}, and the maximum value in the set Q is extracted by the threshold analysis unit
The threshold valueThe analysis unit calculates the upper limit threshold of the payment amount of the payment account according to the following formula:
wherein, POn the upper part=192 denotes a payment account payment amount upper limit threshold value which is calculated, analyzed and set by the threshold value analysis unit.
Example two:
when the collection terminal selects manual money return, the model establishing subunit is used for establishing a two-dimensional model of a plane where the collection terminal and the payment terminal are located, a coordinate system is established, the position marking subunit marks the position of the payment terminal in the two-dimensional model according to the position information of the payment terminal acquired by the information acquisition module, and a coordinate value (X) of the payment terminal in the coordinate system is giveni，Yi) = (102, 52), and a coordinate value (M) in the coordinate system is given to the receiving terminalk，Nk）=（0,0）；
Planning a route from the collection terminal to the position of the payment terminal by using a path planning subunit, wherein the path planning subunit acquires the change of the coordinate value of the payment terminal in unit time t =15s, and the change is represented by (X)i，Yi) = (102, 52) to (X)i+1，Yi+1) = (120, 52), calculating the speed of change of position of the payment terminal per unit time t according to the following formula:
wherein t represents a unit time;
when in use
When the user walks, the payer is indicated to move, the payment system plans a path to the position of the payer for the payee, and A =5m/s represents a set speed threshold;
the traveling speed of the payee is set to be 1.5m/s, the coordinate values of the meeting points are set to be (220, 52), the payer needs to spend 83.33s, the distance from the payee to the destination is 125m at the longest, and the payee can reach the destination just when the payer reaches the destination, therefore, the path planning subunit plans a path with the total path less than 125m for the payee to find the payer.
By analogy with this approach, the path of the payee can be planned according to the changing destination of the payer.
The path planning subunit takes the position to be reached by the payer as an end point of the path planning according to the traveling direction and the traveling speed of the payer and the distance between the payee and the payer.
It will be evident to those skilled in the art that the invention is not limited to the details of the foregoing illustrative embodiments, and that the present invention may be embodied in other specific forms without departing from the spirit or essential attributes thereof. The present embodiments are therefore to be considered in all respects as illustrative and not restrictive, the scope of the invention being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference sign in a claim should not be construed as limiting the claim concerned.
Claims (4)
1. A method of payment based on geographic location, comprising: the method comprises the following steps:
s1, the payment terminal scans the two-dimensional code of the collection and enters a payment system;
s11, analyzing the payment threshold upper limit of the payment account according to the collection account information of the collection terminal by using a threshold analysis unit;
s2, the payment system acquires the account information of the payment terminal by using the information acquisition module;
s3, the payment system monitors the payment amount input by the payment terminal by using the payment monitoring unit;
s31, normally completing payment of the payment amount;
s32, adding a label to the paid money by using a label adding unit when the payment amount exceeds the set upper limit of the threshold;
s33, the payment terminal fails to pay due to the fact that the payment amount is not input, and the collection terminal selects a mode of recovering the money;
s331, the collection terminal selects manual recovery;
s332, the collection terminal selects automatic recovery;
in S11, the threshold value analysis unit acquires position information of the collection account and acquires historical collection information of the collection account, and forms a set of historical collection information P = { P = }1、P2、P3、…、PnExtracting the maximum value P in the set P by using a threshold analysis unitmaxThe threshold analysis unit performs the calculation of the variables in the set P according to the following formula:
wherein the content of the first and second substances,
indicating the amount of the ith charge of the charge account,
an amount representing the kth collection of the collection account;
set Q =: (compact) constituting collection account collection amount variable
Extracting the maximum value in the set Q by using a threshold analysis unit
The threshold value analysis unit calculates the upper limit threshold value of the payment amount of the payment account according to the following formula:
wherein, POn the upper partThe upper limit threshold of the payment amount of the payment account is calculated, analyzed and set by the threshold value analysis unit;
monitoring the payment amount W input by the payment terminal by using a payment monitoring unit, and judging whether the input payment amount W is larger than an upper limit threshold value P analyzed by a threshold value analysis unit by using a payment judgment moduleOn the upper part；
When W < POn the upper partWhen the payment is finished, the payment amount W of the payer at the current position is normal, and the payment is finished after the payment terminal inputs the payment password;
when W is more than or equal to POn the upper partWhen the payment amount W of the payer at the current position is abnormal, the label adding unit is used for adding a label to the payment process, the money returning unit is used for returning the money with the label added by the label adding unit within a certain term based on the complaint of the payment terminal, and the returning of the money needs coordination between the payer and the payee;
monitoring the payment amount input by a payment terminal by using a payment monitoring unit, judging that the transaction is cancelled by the payment system when a payer does not input the payment amount and quits the payment system, monitoring the payment terminal in real time by using the position information of the payment terminal acquired by an information acquisition module, displaying the transaction which is not completed by payment on a collection terminal by the payment system, self-help judging whether to recover the corresponding money or not by the payee according to the transaction which is not completed by payment and displayed on the collection terminal, and selecting manual money recovery or automatic money recovery by the collection terminal in a money recovery mode;
when the collection terminal selects automatic cash return, the transaction marking subunit is used for marking the payment account of the payment terminal and transmitting the marking information to the transaction limiting subunit, the transaction limiting subunit limits the normal transaction of the payment account, and the payment account can continue to pay and use until the payment of the previous unpaid payment is completed;
when the collection terminal selects manual money return, the model is used for establishing a sub-orderThe position marking subunit marks the position of the payment terminal in the two-dimensional model according to the position information of the payment terminal acquired by the information acquisition module and gives a coordinate value (X) of the payment terminal in the coordinate systemi，Yi) Giving the coordinate value (M) of the coordinate system to the receipt terminalk，Nk）；
Planning a route from the collection terminal to the position of the payment terminal by using a path planning subunit, wherein the path planning subunit acquires the change of the coordinate value of the payment terminal in unit time t, and the change is represented by (X)i，Yi) Become (X)i+1，Yi+1) Calculating the position change speed of the payment terminal in the unit time t according to the following formula:
wherein t represents a unit time;
when in use
When the payment system is used, the payment system indicates that the payer moves by taking a vehicle, and the payment system does not suggest the payee to search the payer for a refund in the current time period;
when in use
If so, indicating that the payer moves by foot, planning a path to the position of the payer for the payee by the payment system, and A representing a set speed threshold;
the path planning subunit takes the position to be reached by the payer as an end point of path planning according to the traveling direction and the traveling speed of the payer and the distance between the payee and the payer;
when the temperature is higher than the set temperature
And when the current position of the payer is not moved, the path planning subunit plans the path by taking the current position of the payer as an end point.
2. A geographic location-based payment system applying the geographic location-based payment method of claim 1, characterized by: the payment system comprises a payment terminal, a collection terminal, an information acquisition module, a payment judgment module and a money recovery module;
the payment terminal is used for payment of transaction money by a payer, the collection terminal is used for collection of the transaction money by a payee, the information acquisition module is used for acquiring account information of the payment terminal when the payment terminal pays the transaction money, the payment judgment module is used for judging whether the payment amount of the payment terminal exceeds a set threshold value according to different geographic positions of the payment terminal when the payment terminal pays, and the money recovery module is used for recovering the money which is caused by payment failure due to false code scanning payment of the payment terminal;
the collection terminal generates a collection two-dimensional code which is used for scanning the code by the payment terminal to enter the payment system;
the payment terminal comprises a code scanning camera and is used for scanning a collection two-dimensional code generated by the payment terminal and entering a payment system;
the payment judging module comprises a payment monitoring unit and a threshold value analyzing unit;
the payment monitoring unit is used for monitoring the payment amount input by the payment terminal, and the threshold analysis unit is used for analyzing the upper limit threshold of the payment amount of the payment terminal according to the geographical position information of the payment terminal;
the money recourse module comprises a label adding unit, a money returning unit and a money recoiling selection unit;
the payment terminal comprises a label adding unit, a payment returning selection unit and a payment receiving terminal, wherein the label adding unit is used for adding a label to the payment amount of the payment terminal exceeding a set threshold, the payment returning unit returns the payment amount of the label added by the label adding unit within a certain period based on complaint of the payment terminal, and the payment returning selection unit is used for selecting a mode of returning the non-paid payment by the payment receiving terminal when the payment terminal is subjected to false code scanning payment.
3. A geographic location based payment system according to claim 2, wherein: the money return selection unit comprises manual money return and automatic money return;
the manual money return comprises a model building subunit, a position marking subunit and a path planning subunit;
the model establishing subunit is used for establishing a two-dimensional model of the position information of the payment terminal and the collection terminal and establishing a coordinate system of the two-dimensional model, the position marking subunit is used for marking on the two-dimensional model according to the position information of the payment terminal acquired by the information acquisition module, and the path planning subunit is used for planning a route to the position of the payment terminal according to the position information of the payment terminal on the two-dimensional model;
the automatic refund comprises a transaction marking subunit and a payment limiting subunit;
the transaction marking subunit is used for marking the transaction of the unfinished payment of the payment terminal, and the payment limiting subunit is used for limiting the payment terminal marked with the unfinished payment to continue the transaction until the payment of the unfinished payment is finished.
4. A geographic location based payment system according to claim 3, wherein: and when the transaction is completed, the payment system terminates the acquisition of the monitoring information of the payment terminal.
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Denomination of invention: A geographically based payment system and method Granted publication date: 20220701 Pledgee: Bank of China Limited by Share Ltd. Guangzhou Panyu branch Pledgor: NANZE (GUANGDONG) TECHNOLOGY Co.,Ltd. Registration number: Y2024980001685 |