CN115063227A

CN115063227A - Payment method, payment apparatus, electronic device, storage medium, and program product

Info

Publication number: CN115063227A
Application number: CN202210685671.0A
Authority: CN
Inventors: 张扬; 朱乐和; 罗秉安; 马慧
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2022-06-16
Filing date: 2022-06-16
Publication date: 2022-09-16

Abstract

The present disclosure provides a payment method, which relates to the technical field of computers and can be applied to the financial field or other fields. The payment method comprises the following steps: acquiring a payment request; judging whether a payment account for completing the payment request comprises a notification deposit account or not according to the payment request; when the payment account comprises a deposit account, acquiring a payment tendency according to a payment request; and generating a payment mode matched with the payment tendency, wherein the payment mode completes the payment request by informing partial balance in the deposit account. The present disclosure also provides a payment apparatus, an electronic device, a storage medium, and a program product.

Description

Payment method, payment apparatus, electronic device, storage medium, and program product

Technical Field

The present disclosure relates to the field of computer technology, which may be applied to the field of finance or other fields, and in particular, to a payment method, apparatus, electronic device, storage medium, and program product.

Background

The notification deposit is a novel financial product provided by a financial institution, and compared with a product in a current period, the notification deposit has higher interest rate and can bring more benefits to customers; compared with regular products, the term of informing deposit is shorter, and the fund flow of customers is more convenient.

Currently, the notification deposit checks the balance in the current account of the client according to a preset period (for example, every day), and if the balance in the current account of the client accords with the deposit starting point, the balance in the current account of the client is automatically transferred to the notification deposit account to obtain higher interest. However, some customers have a demand for automatic payment, and these customers may deposit an amount for payment into the current account several days in advance of the payment date for the automatic payment due. However, since the notification deposit automatically transfers the balance in the current account to the notification deposit account according to the preset period, the balance in the current account is insufficient to complete the payment, and the payment fails.

Disclosure of Invention

In view of the above, the present disclosure provides a payment method, apparatus, electronic device, storage medium, and program product.

According to a first aspect of the present disclosure, there is provided a payment method, comprising:

acquiring a payment request;

judging whether a payment account for completing the payment request comprises a deposit account notification according to the payment request;

when the payment account comprises the notice deposit account, acquiring a payment tendency according to the payment request;

generating a payment means matching the payment propensity, wherein the payment means completes the payment request using the partial balance in the notification deposit account.

According to an embodiment of the present disclosure, determining whether a payment account for completing the payment request includes a notification deposit account according to the payment request includes:

acquiring a payment user according to the payment request;

acquiring a plurality of payment accounts under the payment user name, wherein the payment accounts comprise the notification deposit account and other accounts;

when the balance in the other account can not complete the payment request, judging whether the sum of the balance in the notification deposit account and the balance in the other account can complete the payment request;

determining that a payment account used to complete the payment request includes the notification deposit account when the balance in the notification deposit account and the balance in the other account are able to complete the payment request.

According to an embodiment of the present disclosure, the payment request includes a payment request generated according to an expired credit card payment service, the payment tendency includes a preset maximum payment interest rate, and the generating of the payment mode matching with the payment tendency includes:

acquiring a payment mode matched with the payment request, wherein the payment mode matched with the payment request comprises a full payment mode and an installments payment mode;

and according to the maximum repayment interest rate, determining one of the full-amount repayment mode and the installments repayment mode as a payment mode matched with the payment tendency.

According to an embodiment of the present disclosure, the payment method further includes:

after the payment request is finished, judging whether the balance in the notification deposit account meets the lowest starting amount or not;

when the balance in the deposit account meets the minimum starting amount, the balance and the current interest are renewed;

and when the balance in the notification deposit account does not meet the minimum starting amount, transferring the balance and the current interest to other accounts.

acquiring expired credit card repayment service, loan repayment service and/or payment service according to a preset period;

and generating the payment request according to the credit card repayment service, the loan repayment service and/or the payment service.

According to an embodiment of the present disclosure, the obtaining of payment propensity according to the payment request comprises

Acquiring a payment user according to the payment request;

inquiring a payment agreement signed with the payment user;

determining the payment propensity from the payment agreement.

A second aspect of the present disclosure provides a payment apparatus, comprising:

the first acquisition module is used for acquiring a payment request;

the judging module is used for judging whether a payment account for completing the payment request comprises a deposit account or not according to the payment request;

the second acquisition module is used for acquiring a payment tendency according to the payment request when the payment account comprises the informed deposit account;

and the payment module is used for generating a payment mode matched with the payment tendency, wherein the payment mode utilizes the partial balance in the notice deposit account to complete the payment request.

A third aspect of the present disclosure provides an electronic device, comprising: one or more processors; a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the payment method described above.

A fourth aspect of the present disclosure also provides a computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform the payment method described above.

A fifth aspect of the present disclosure also provides a computer program product comprising a computer program which, when executed by a processor, implements the payment method described above.

One or more of the above-described embodiments may provide the following advantages or benefits:

by adopting the payment method of the embodiment of the disclosure, when the payment request is obtained, whether the payment request needs to be completed by using the balance in the notification deposit account can be automatically judged, and when the payment request needs to be completed, the balance in the notification deposit account can also be used for completing the payment request, so that the payment failure caused by the automatic transfer function of the notification deposit account (namely, the balance in the current account is transferred) is avoided. Meanwhile, the payment method of the embodiment of the disclosure can generate a payment mode matched with the payment tendency according to the payment tendency, so that the balance in the deposit account is paid and notified in a mode of maximally adapting to the user requirement, and the user income is ensured.

Drawings

The foregoing and other objects, features and advantages of the disclosure will be apparent from the following description of embodiments of the disclosure, which proceeds with reference to the accompanying drawings, in which:

FIG. 1 schematically illustrates an application scenario diagram of a payment method, apparatus, electronic device, storage medium and program product according to embodiments of the disclosure;

FIG. 2 schematically shows one of the flow diagrams of a payment method according to an embodiment of the present disclosure;

FIG. 3 schematically illustrates a flow chart for determining whether a payment account includes a notification to a savings account according to an embodiment of the disclosure;

FIG. 4 schematically illustrates a flow chart for determining a payment method according to an embodiment of the disclosure;

FIG. 5 schematically illustrates a second flow chart of a payment method according to an embodiment of the present disclosure;

FIG. 6 schematically illustrates a third flow chart of a payment method according to an embodiment of the present disclosure;

FIG. 7 schematically illustrates a flow chart for determining a payment propensity according to an embodiment of the present disclosure;

FIG. 8 schematically illustrates a block diagram of a payment device according to an embodiment of the present disclosure;

FIG. 9 schematically illustrates a block diagram of an electronic device suitable for implementing a payment method in accordance with an embodiment of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.

Where a convention analogous to "at least one of A, B and C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).

It should be noted that the present disclosure provides a payment method, an apparatus, an electronic device, a storage medium, and a program product, which relate to the field of computer technology. The payment method, the payment device, the electronic equipment, the storage medium and the program product provided by the embodiment of the disclosure can be applied to the financial field or any field except the financial field, for example, the payment method, the payment device, the electronic equipment, the storage medium and the program product provided by the embodiment of the disclosure can be applied to services such as payment and payment on behalf of others in the financial field. The present disclosure is not limited in application to the field of payment methods, apparatus, electronic devices, storage media, and program products.

In the technical scheme of the disclosure, the collection, storage, use, processing, transmission, provision, disclosure, application and other processing of the personal information of the related user are all in accordance with the regulations of related laws and regulations, necessary confidentiality measures are taken, and the customs of the public order is not violated.

An embodiment of the present disclosure provides a payment method, including: acquiring a payment request; judging whether a payment account for completing the payment request comprises a notification deposit account or not according to the payment request; when the payment account comprises a deposit account, acquiring a payment tendency according to a payment request; generating at least one payment method matching the payment propensity, wherein the at least one payment method completes the payment request by notifying a partial balance in the savings account.

Fig. 1 schematically shows an application scenario diagram of a payment method, apparatus, electronic device, storage medium and program product according to an embodiment of the present disclosure, as shown in fig. 1, an application scenario 100 according to this embodiment may include

terminal devices

101, 102, 103, a network 104 and a server 105. The network 104 serves as a medium for providing communication links between the

terminal devices

101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The user may use the

terminal devices

101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages or the like. The

terminal devices

101, 102, 103 may have installed thereon various communication client applications, such as shopping-like applications, web browser applications, search-like applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).

The

terminal devices

101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 105 may be a server providing various services, such as a background management server (for example only) providing support for websites browsed by users using the

terminal devices

101, 102, 103. The backend management server may analyze and process the received data such as the user request, and feed back a processing result (for example, a web page, information, or data obtained or generated according to the user request) to the terminal device.

It should be noted that the payment method provided by the embodiment of the present disclosure may be generally executed by the server 105. Accordingly, the payment apparatus provided by the embodiments of the present disclosure may be generally disposed in the server 105. The payment method provided by the embodiments of the present disclosure may also be performed by a server or a cluster of servers different from the server 105 and capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105. Accordingly, the payment apparatus provided by the embodiment of the present disclosure may also be disposed in a server or a server cluster different from the server 105 and capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

The payment method of the disclosed embodiment will be described in detail below with reference to fig. 2 to 7 based on the scenario described in fig. 1.

Fig. 2 schematically shows one of the flowcharts of the payment method according to the embodiment of the present disclosure, and as shown in fig. 2, the payment method of this embodiment includes steps S210 to S240.

It should be noted that, although the steps in fig. 2 are shown in sequence as indicated by arrows, the steps are not necessarily executed in sequence as indicated by the arrows. The steps are not performed in the exact order shown and may be performed in other orders unless explicitly stated herein. Moreover, at least some of the steps in the figures may include multiple sub-steps or multiple stages that are not necessarily performed at the same time, but may be performed at different times, in different orders, and may be performed alternately or in turns with other steps or at least a portion of the sub-steps or stages of other steps.

At step S210, a payment request is obtained.

In the embodiment of the present disclosure, the payment request may include a request generated according to a payment requirement of the user, for example, when the user draws (for example, transfers) at an ATM, consumes at a POS, or automatically returns to a credit card for overdraft, a corresponding payment request may be generated, and meanwhile, when the user has a payment-withholding requirement (for example, pays a water and electricity fee), a corresponding payment request may also be generated, which may be determined according to actual requirements, and is not listed here.

In step S220, it is determined whether the payment account for completing the payment request includes a notice deposit account according to the payment request.

In the disclosed embodiment, notifying the deposit account refers to: a financial product requiring a payment notice to a bank one day in advance and requiring a minimum of one day for a deposit period. The notification deposit can be divided into 1 day notification deposit and 7 days notification deposit according to the length of the term notified in advance by the depositor, regardless of the actual term of deposit. Informing the deposit 1 day would require informing the contract to withdraw the deposit 1 day ahead, whereas informing the deposit 7 days would require informing the contract to withdraw the deposit 7 days ahead.

Alternatively, the amount of money required to complete the payment request may be compared to the balance in the non-notification deposit account that the user can use to complete the payment request, and it may be determined whether the payment request needs to be completed using the balance in the notification deposit account based on the comparison, e.g., when the balance in the non-notification deposit account is insufficient to complete the payment request, the payment request may be completed using the balance in the notification deposit account, i.e., determining the payment account to use to complete the payment request includes notifying the deposit account.

In step S230, when the payment account includes the notice deposit account, a payment tendency is acquired according to the payment request. When the payment account does not include the notice deposit account, the payment can be directly made with the corresponding payment account.

In the disclosed embodiment, the payment tendency can be agreed by the supplementary agreement when the payment agreement is signed with the user, for example, whether the user is allowed to pay by adopting the installments, what the maximum payment interest rate the user can accept when the installments are adopted, and the like can be agreed in the agreement.

In the embodiment of the disclosure, the payment user can be determined according to the payment request, and then the payment agreement of the payment user is inquired out to determine the payment tendency of the payment user.

In step S240, a payment means matching the payment tendency is generated, wherein the payment means completes the payment request by notifying the balance in the deposit account.

In the embodiment of the disclosure, a corresponding payment mode can be generated according to the payment tendency of the user, for example, when the user does not allow the mode of installments payment, the payment mode can include full payment; when the user allows the mode of installments payment, the payment mode can comprise installments payment; when the user allows to adopt the mode of payment by stages and the maximum payment interest rate is appointed, a better mode can be determined from the modes of payment by stages with the payment interest rate lower than the maximum payment interest rate, so that the final payment mode is obtained.

In the embodiment of the disclosure, the balance in the non-notification deposit account can be used preferentially to complete the payment request, and the balance in the non-notification deposit account is used for payment for the part which is not enough to be paid.

Optionally, in the embodiment of the present disclosure, a partial credit may be drawn from the notification credit account in advance by using the partial withdrawal service, so that only a required portion is drawn from the notification credit account, and not all the portions are drawn, so that the balance retained in the notification credit account can be continuously restored, and further the balance can still obtain higher interest.

By adopting the payment method of the embodiment of the disclosure, when the payment request is obtained, whether the payment request needs to be completed by using the balance in the deposit account can be automatically judged, and when the payment request needs to be completed, the balance in the deposit account can also be used for completing the payment request, so that the payment failure caused by the automatic transfer function of the deposit account (namely, the balance in the current account is transferred) is avoided. Meanwhile, the payment method of the embodiment of the disclosure can generate a payment mode matched with the payment tendency according to the payment tendency, so that the balance in the deposit account is paid and notified in a mode of maximally adapting to the user requirement, and the user income is ensured.

The payment method of the embodiment of the present disclosure is further described with reference to fig. 2 to 7.

Fig. 3 schematically illustrates a flowchart of determining whether a payment account includes a notification deposit account according to an embodiment of the present disclosure, and as shown in fig. 3, in some specific embodiments, step S220 includes steps S221 to S227.

In step S221, the payment user is obtained according to the payment request.

In step S222, a plurality of payment accounts under the payment user name are acquired, and the plurality of payment accounts include a notification deposit account and other accounts.

In embodiments of the present disclosure, the other accounts may include non-notified deposit accounts under the name of the payment user, e.g., the other accounts may include current accounts of the payment user, etc.

At step S223, it is determined whether the balance in the other account can complete the payment request. When the balance in the other account can complete the payment request, executing step S224; when the balance in the other account cannot complete the payment request, step S225 is performed.

In the embodiment of the present disclosure, it may be determined whether the balance in the current account is greater than or equal to the amount required to complete the payment request, and if the balance in the current account is greater than or equal to the amount required to complete the payment request, it is determined that the balances in the other accounts can complete the payment request, otherwise, it is determined that the balances in the other accounts cannot complete the payment request.

Alternatively, when the payment request is for a repayment, such as a credit card repayment or a loan repayment, the repayment amount, i.e., the amount required to complete the payment request, may be calculated based on the principal of the repayment and the loan interest rate.

At step S224, the payment request is completed by the balance in the other account.

In step S225, it is determined whether the sum of the balance in the deposit account and the balances in the other accounts can complete the payment request. When the balance in the deposit account and the balances in the other accounts are notified that the payment request can be completed, step S226 is performed; when the balance in the deposit account and the balances in the other accounts are notified that the payment request cannot be completed, step S227 is performed.

In the embodiment of the present disclosure, the sum of principal and interest due in the notification deposit account may be used as a balance in the notification deposit account, then, the balance is summarized with a balance in the current account and compared with an amount required for completing the payment request, when the sum is greater than or equal to the amount required for completing the payment request, it is determined that the balance in the notification deposit account and balances in other accounts can complete the payment request, otherwise, it is determined that the balance in the notification deposit account and balances in other accounts cannot complete the payment request.

In step S226, determining the payment account for completing the payment request includes notifying the savings account.

In step S227, a corresponding prompt is generated.

In embodiments of the present disclosure, generating the respective prompt may include a prompt for a payment failure. Optionally, an installment payment mode with a lower repayment interest rate may be recommended to the user further according to the balance in the notified deposit account, and then it is determined whether to complete the payment operation in the installment payment mode according to the selection of the user, so that when the balance in the notified deposit account is not enough to complete the payment request, buffering is performed in the installment payment mode to prevent the payment failure.

In some embodiments, the payment request comprises a payment request generated based on an expired credit card payment service. The payment propensity may include whether the user is permitted to make payment by an installment payment. When the user does not allow the installment repayment, the payment request can be completed directly by the full amount repayment, and when the user allows the installment repayment, the payment tendency can also include the preset maximum repayment interest rate, fig. 4 schematically shows a flow chart of determining the payment method according to the embodiment of the disclosure, as shown in fig. 4, step S240 includes step S241 and step S242.

In step S241, the payment method matched with the payment request is obtained, and the payment method matched with the payment request includes a full payment method and an installment payment method.

In step S242, one of the full payment method and the installment payment method is determined as a payment method matching the payment tendency according to the maximum payment interest rate.

In the disclosed embodiment, when the interest rate of the installment repayment is less than or equal to the maximum repayment interest rate, the installment repayment mode is determined as the payment mode matched with the payment tendency, and when the interest rate of the installment repayment is greater than the maximum repayment interest rate, the full repayment mode is determined as the payment mode matched with the payment tendency.

In some embodiments, the payment method further comprises: and determining one of the full payment mode and the installment payment mode as a payment mode for completing the payment request according to the interest rate of the deposit account, for example, when the interest rate of the deposit account is larger than or equal to the interest rate of the installment payment mode, determining the installment payment mode as the payment mode for completing the payment request, and when the interest rate of the deposit account is smaller than the interest rate of the installment payment mode, determining the full payment mode as the payment mode for completing the payment request.

In some embodiments, the installment repayment mode may include a plurality of repayment modes, for example, a 3-month installment repayment mode, a six-month installment repayment mode, a 12-month installment repayment mode, and the like. Optionally, in this embodiment of the disclosure, one of the payment interest rates that is smaller than the maximum payment interest rate and has the longest payment period may be selected from the multiple staged payment manners. For example, a 12 month installment repayment may be selected such that the user's most principal remains in the notification deposit account for higher revenue.

In some specific embodiments, preferential information of the installment repayment mode can be acquired, and then a corresponding installment repayment mode can be recommended to the user according to the preferential information, and then according to the selection of the user, which repayment mode is specifically adopted to complete the payment request is determined. For example, when a certain installment is preferred to have a free offer, the installment may be selected to complete the payment request.

Fig. 5 schematically illustrates a second flowchart of a payment method according to an embodiment of the present disclosure, and as shown in fig. 5, in some embodiments, the payment method further includes steps S310 to S330.

In step S310, after the payment request is completed, it is determined whether the balance in the notification deposit account satisfies the minimum startup amount. When the balance in the deposit account is notified to satisfy the minimum amount of the starting deposit, executing step S320; when the balance in the deposit account is notified not to satisfy the minimum starting amount, step S330 is performed.

In step S320, the balance and the current interest are renewed.

In the embodiment of the disclosure, the balance and the current interest can be taken out from the current notice deposit account, and the taken-out balance and the current interest can be used as a new fund to be deposited into the new notice deposit account. Therefore, the user can not obtain the related benefits because the balance in the notification deposit account is taken out, and meanwhile, the balance and the interest in the current period can be renewed, so that the user can still enjoy the high benefits of the notification deposit account.

In step S330, the balance and current interest are transferred to other accounts.

In the embodiment of the disclosure, the balance and the current interest can be transferred to the current account for the user to flexibly control.

Fig. 6 schematically illustrates a third flow chart of a payment method according to an embodiment of the present disclosure, and as shown in fig. 6, in some specific embodiments, the payment method further includes step S410 and step S420.

In step S410, the expired credit card payment service, loan payment service and/or payment service is acquired according to a preset period.

In the embodiment of the present disclosure, the preset period may be determined according to actual needs, for example, the preset period may be set to "one day", and for example, the expired credit card payment service, loan payment service and/or payment service may be acquired every night. The loan repayment service may include a house loan repayment service and the like, and the payment service may include a water and electricity fee payment service and the like.

In step S420, a payment request is generated according to the credit card payment service, the loan payment service, and/or the payment service.

In the embodiment of the present disclosure, when the payment request is generated according to the loan repayment service and/or the payment agency service, each step in the above embodiment may be executed, or the payment request may be directly completed in a full payment manner, which may be specifically determined according to actual needs, and is not limited herein.

Fig. 7 schematically illustrates a flow chart for determining a payment tendency according to an embodiment of the present disclosure, and as shown in fig. 7, in some specific embodiments, step S230 includes steps S231 to S233.

In step S231, the payment user is acquired according to the payment request.

In step S232, a payment agreement with the payment user is inquired.

At step S233, payment trends are determined from the payment agreement.

In the embodiment of the disclosure, when a payment agreement about the notification deposit account is signed with the user, the user can agree whether to allow the user to use the balance in the notification deposit account to complete the payment request in a manner of a supplementary agreement, and meanwhile, the payment tendency can also be agreed in the supplementary agreement. Optionally, the user may sign a supplementary agreement in multiple ways, such as a mobile banking APP and a counter, which may be determined specifically according to actual needs, and is not limited herein.

Optionally, the user can inquire and modify the payment tendency according to actual needs, so that the payment tendency is maximally adapted to the user requirements.

Optionally, a service for terminating the supplementary agreement may be provided for the user, and if the user wants to cancel the supplementary agreement, that is, the user does not want to use the balance in the notification deposit account to complete the payment request any more, the user may select to cancel the supplementary agreement after inquiring the service through the mobile banking, and at this time, the service for automatically completing the payment request using the balance in the notification deposit account may be immediately effective, and the service for automatically completing the payment request using the balance in the notification deposit account may not be provided for the user any more on the day.

By adopting the payment method of the embodiment of the disclosure, when the payment request is repayment, the failure of repayment caused by informing the deposit account to automatically transfer the balance in the current account can be avoided, so that the influence on credit investigation and receipt of the user caused by the failure of the repayment and the economic loss such as penalty caused by overdue repayment of the user are prevented.

Meanwhile, the deposit account is informed of the completion of the payment request, so that the user does not need to take out the periodic deposit for the completion of the repayment, the problems that the user cannot obtain the periodic deposit income and the future potential income and the like are avoided, and unnecessary economic loss is prevented.

For example, it is assumed that the user allows automatic payment by using the notification deposit account, that is, allows the payment request to be completed by using the balance in the notification deposit account, when signing a supplementary agreement for notifying the deposit account, and at the same time, may set payment priorities, for example, the payment priorities are, in turn, room credit repayment, credit card repayment and water and electricity fee payment, and in some embodiments, the payment is completed in turn according to the priorities.

Assuming that the repayment date of the house loan, the repayment date of the credit card and the payment date of the water and electricity fee payment are the same day, and the repayment date is reached, in step S210, three payment requests are obtained, which are 6000 yuan for the house loan, 12000 yuan for the credit card and 200 yuan for the water and electricity fee payment respectively.

In step S220, it is detected that the balance in the current account of the user is 1000 yuan, and the balance in the current account of the user is not enough to be used for house loan, at this time, the sum of the principal and the current interest of the deposit account notified by the user is detected, so as to obtain that the balance in the deposit account is 20 ten thousand yuan.

In step S230, for the room loan repayment, the full payment method can be directly adopted, and at this time, 5000 yuan is automatically provided from the notice deposit account part and the balance of the current account is 1000 yuan for paying the room loan arrearage. After the room loan arrears are paid, the notification deposit account has 19 ten thousand 5000 dollars remaining that is greater than the starting amount of 5 ten thousand dollars, and optionally may be automatically credited as a new notification deposit account, with the user continuing to enjoy the higher interest in the notification deposit.

For the repayment of the credit card, three different periodical repayment modes are obtained, namely 3-month periodical repayment, 6-month periodical repayment and 12-month periodical repayment, wherein interest rates of the three different periodical repayment modes are 2%, 4% and 5% respectively. Assuming that the maximum repayment interest rate is set to be 5% in the payment tendency, the interest rates of the three installment repayment modes are all smaller than the maximum repayment interest rate, so that the installment repayment can be selected according to 12 months, the repayment is 1000 yuan, and the maximum amount is reserved for the user to be continuously deposited on the notification deposit account.

For the water and electricity fee payment, a full payment mode can be directly adopted, namely, 200 yuan is directly provided for the water and electricity fee payment from the credit account notification part. The remaining amount of 15 ten thousand 3800 dollars are kept in the notice deposit account.

Based on the payment method, the disclosure also provides a payment device. The apparatus will be described in detail below with reference to fig. 8.

Fig. 8 schematically shows a block diagram of a payment apparatus according to an embodiment of the present disclosure, and as shown in fig. 8, a payment apparatus 800 of this embodiment includes a first obtaining module 810, a determining module 820, a second obtaining module 830, and a payment module 840.

The first obtaining module 810 is used for obtaining a payment request. In an embodiment, the first obtaining module 810 may be configured to perform the step S210 described above, which is not described herein again.

The determining module 820 is used for determining whether the payment account for completing the payment request includes a notification deposit account according to the payment request. In an embodiment, the determining module 820 may be configured to perform the step S220 described above, which is not described herein again.

The second obtaining module 830 is configured to obtain the payment tendency according to the payment request when the payment account includes the notification deposit account. In an embodiment, the second obtaining module 830 may be configured to perform the step S230 described above, and is not described herein again.

The payment module 840 is configured to generate a payment method matching the payment tendency, wherein the payment method completes the payment request by notifying a portion of the balance in the savings account. In an embodiment, the payment module 840 may be configured to perform the step S240 described above, and will not be described herein again.

By adopting the payment device of the embodiment of the disclosure, when the payment request is obtained, whether the payment request needs to be completed by using the balance in the deposit account can be automatically judged, and when the payment request needs to be completed, the balance in the deposit account can be also used for completing the payment request, so that the payment failure caused by the automatic transfer function of the deposit account (namely transferring the balance in the current account) is avoided. Meanwhile, the payment method of the embodiment of the disclosure can generate a payment mode matched with the payment tendency according to the payment tendency, so that the balance in the deposit account is paid and notified in a mode of maximally adapting to the user requirement, and the user income is ensured.

According to an embodiment of the present disclosure, any plurality of the first obtaining module 810, the determining module 820, the second obtaining module 830, and the payment module 840 may be combined into one module to be implemented, or any one of them may be split into a plurality of modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the first obtaining module 810, the determining module 820, the second obtaining module 830 and the payment module 840 may be implemented at least partially as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or may be implemented in any one of three implementations of software, hardware and firmware, or in a suitable combination of any of them. Alternatively, at least one of the first obtaining module 810, the determining module 820, the second obtaining module 830 and the payment module 840 may be at least partially implemented as a computer program module, which when executed, may perform a corresponding function.

In some embodiments, the determining module 820 is specifically configured to perform the following steps:

acquiring a payment user according to the payment request;

acquiring a plurality of payment accounts under a payment user name, wherein the payment accounts comprise a notification deposit account and other accounts;

when the balance in other accounts can not complete the payment request, judging whether the balance in the deposit account and the balance in other accounts can complete the payment request or not;

determining the payment account for completing the payment request includes notifying the savings account when the balance in the savings account and the balance in the other account are able to complete the payment request.

In some embodiments, the payment request comprises a payment request generated according to an expired credit card payment service, the payment propensity comprises a preset maximum payment interest rate, and the payment module 840 is specifically configured to perform the following steps:

acquiring a payment mode matched with the payment request, wherein the payment mode matched with the payment request comprises a full payment mode and a periodical payment mode;

and according to the maximum repayment interest rate, determining one of a full repayment mode and an installment repayment mode as a payment mode matched with the payment tendency.

In some embodiments, the payment device 800 further comprises a first processing module for performing the steps of:

after the payment request is completed, judging whether the balance in the deposit account meets the lowest starting amount or not;

when the balance in the deposit account is informed to meet the minimum starting amount, the balance and the current interest are renewed;

when the balance in the deposit account is notified that the minimum amount of the starting deposit is not satisfied, the balance and the current interest are transferred to other accounts.

In some embodiments, the payment device 800 further comprises a second processing module for performing the steps of:

acquiring an expired credit card repayment service, a loan repayment service and/or a payment service according to a preset period;

and generating a payment request according to the credit card repayment service, the loan repayment service and/or the payment service.

In some embodiments, the second obtaining module 830 is specifically configured to perform the following steps:

acquiring a payment user according to the payment request;

inquiring a payment agreement signed with a payment user;

payment trends are determined from payment agreements.

Fig. 9 schematically shows a block diagram of an electronic device adapted to implement a payment method according to an embodiment of the present disclosure, and as shown in fig. 9, an electronic device 900 according to an embodiment of the present disclosure includes a processor 901, which may perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)902 or a program loaded from a storage portion 908 into a Random Access Memory (RAM) 903. Processor 901 may comprise, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 901 may also include on-board memory for caching purposes. The processor 901 may comprise a single processing unit or a plurality of processing units for performing the different actions of the method flows according to embodiments of the present disclosure.

In the RAM 903, various programs and data necessary for the operation of the electronic apparatus 900 are stored. The processor 901, the ROM 902, and the RAM 903 are connected to each other through a bus 904. The processor 901 performs various operations of the method flows according to the embodiments of the present disclosure by executing programs in the ROM 902 and/or the RAM 903. Note that the programs may also be stored in one or more memories other than the ROM 902 and the RAM 903. The processor 901 may also perform various operations of the method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

Electronic device 900 may also include input/output (I/O) interface 905, input/output (I/O) interface 905 also connected to bus 904, according to an embodiment of the present disclosure. The electronic device 900 may also include one or more of the following components connected to the I/O interface 905: an input portion 906 including a keyboard, a mouse, and the like; an output section 907 including components such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 908 including a hard disk and the like; and a communication section 909 including a network interface card such as a LAN card, a modem, or the like. The communication section 909 performs communication processing via a network such as the internet. The drive 910 is also connected to the I/O interface 905 as necessary. A removable medium 911 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 910 as necessary, so that a computer program read out therefrom is mounted into the storage section 908 as necessary.

The present disclosure also provides a computer-readable storage medium, which may be embodied in the device/apparatus/system described in the above embodiments; or may exist alone without being assembled into the device/apparatus/system. The above-mentioned computer-readable storage medium carries one or more programs which, when executed, implement a payment method according to an embodiment of the present disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM 902 and/or the RAM 903 described above and/or one or more memories other than the ROM 902 and the RAM 903.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the method illustrated in the flow chart. When the computer program product is run in a computer system, the program code is used for causing the computer system to realize the payment method provided by the embodiment of the disclosure.

The computer program performs the above-described functions defined in the system/apparatus of the embodiments of the present disclosure when executed by the processor 901. The systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted, distributed in the form of a signal on a network medium, and downloaded and installed through the communication section 909 and/or installed from the removable medium 911. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 909, and/or installed from the removable medium 911. The computer program, when executed by the processor 901, performs the above-described functions defined in the system of the embodiment of the present disclosure. The above described systems, devices, apparatuses, modules, units, etc. may be implemented by computer program modules according to embodiments of the present disclosure.

In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the user computing device, partly on the user device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments and/or claims of the present disclosure may be made without departing from the spirit or teaching of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.

The embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

Claims

1. A payment method, comprising:

acquiring a payment request;

judging whether a payment account for completing the payment request comprises a notification deposit account or not according to the payment request;

2. The payment method of claim 1, wherein determining whether a payment account used to complete the payment request includes a notification deposit account based on the payment request comprises:

acquiring a payment user according to the payment request;

acquiring a plurality of payment accounts under the payment user name, wherein the plurality of payment accounts comprise the notification deposit account and other accounts;

when the balance in the other account can not complete the payment request, judging whether the sum of the balance in the deposit notification account and the balance in the other account can complete the payment request;

3. A payment method as recited in claim 1, wherein the payment request comprises a payment request generated in response to an expired credit card payment transaction, the payment propensity comprises a predetermined maximum payback interest rate, and the generating a payment means matching the payment propensity comprises:

4. The payment method as recited in claim 1, wherein the payment method further comprises:

after the payment request is completed, judging whether the balance in the notification deposit account meets the lowest starting amount or not;

5. The payment method as recited in claim 1, wherein the payment method further comprises:

6. The payment method as recited in claim 1, wherein the obtaining payment propensity based on the payment request comprises obtaining a payment propensity based on the payment request

Acquiring a payment user according to the payment request;

inquiring a payment agreement signed with the payment user;

determining the payment propensity from the payment agreement.

7. A payment device, comprising:

the first acquisition module is used for acquiring a payment request;

the second acquisition module is used for acquiring a payment tendency according to the payment request when the payment account comprises the notice deposit account;

and the payment module is used for generating a payment mode matched with the payment tendency, wherein the payment mode utilizes the partial balance in the deposit account to complete the payment request.

8. An electronic device, comprising:

one or more processors;

a storage device to store one or more programs,

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform a payment method as recited in any of claims 1-6.

9. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to perform a payment method according to any one of claims 1 to 6.

10. A computer program product comprising a computer program which, when executed by a processor, carries out a payment method according to any one of claims 1 to 6.