CN115222383A

CN115222383A - Payment method, device, equipment, medium and product

Info

Publication number: CN115222383A
Application number: CN202210875150.1A
Authority: CN
Inventors: 蓝舒煜; 胡庆林; 陈成钱; 李定洲; 乐旭
Original assignee: China Unionpay Co Ltd
Current assignee: China Unionpay Co Ltd
Priority date: 2022-07-25
Filing date: 2022-07-25
Publication date: 2022-10-21

Abstract

The application discloses a payment method, a payment device, a payment equipment, a payment medium and a payment product. The payment method comprises the steps of obtaining a transaction amount corresponding to a target bill to be paid; under the condition that the target payment card is detected, reading first account information in the target payment card through a first card reader; acquiring first balance information corresponding to a first account in the target payment card according to the first account information; determining a first payment amount corresponding to the first account and a second payment amount corresponding to the second account based on the first balance information and the transaction amount; acquiring second account information in the target payment card through a second card reader; and according to the first account information, deducting the first account according to the first payment amount so as to pay the target bill. The embodiment of the application realizes the combined payment among different accounts in the same payment card and simplifies the off-line card swiping payment operation process.

Description

Payment method, device, equipment, medium and product

Technical Field

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

Background

At present, in the online payment process, a user usually uses a payment card, such as a bank card, a credit card, a social security card, and the like, to pay by swiping a card. However, the existing payment card generally corresponds to only one payment account, and therefore, the card swiping payment function for the payment account can be successfully realized.

In the prior art, in a situation of online offline card swiping payment, when a user wants to use different payment accounts to pay a same bill, the user needs to use the payment cards corresponding to the different payment accounts to respectively swipe the card for multiple times, so that the user operation process is complicated during the offline card swiping payment.

Disclosure of Invention

The embodiment of the application provides a payment method, a payment device, equipment, a payment medium and a payment product, which can realize combined payment among different payment accounts in the same payment card and simplify the user operation process during offline card swiping payment.

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

acquiring a transaction amount corresponding to a target bill to be paid;

under the condition that the target payment card is detected, reading first account information in the target payment card through a first card reader;

acquiring first balance information corresponding to a first account in the target payment card according to the first account information, wherein the target payment card corresponds to a plurality of payment accounts of a target user, and the plurality of payment accounts comprise the first account and a second account;

determining a first payment amount corresponding to the first account and a second payment amount corresponding to the second account based on the first balance information and the transaction amount;

acquiring second account information in the target payment card through a second card reader;

and according to the second account information, deducting the second account according to the second payment amount, and according to the first account information, deducting the first account according to the first payment amount so as to pay the target bill.

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

the amount acquisition module is used for acquiring the transaction amount corresponding to the target bill to be paid;

the first acquisition module is used for reading first account information in the target payment card through a first card reader under the condition that the target payment card is detected;

the balance acquisition module is used for acquiring first balance information corresponding to a first account in the target payment card according to the first account information, wherein the target payment card corresponds to a plurality of payment accounts of a target user, and the plurality of payment accounts comprise the first account and a second account;

an amount determination module to determine a first payment amount corresponding to the first account and a second payment amount corresponding to the second account based on the first balance information and the transaction amount;

the first acquisition module is used for acquiring second account information in the target payment card through a second card reader;

and the deduction processing module is used for carrying out deduction processing on the second account according to the second payment amount and carrying out deduction processing on the first account according to the first payment amount and the first account information so as to pay the target bill.

In a third aspect, an embodiment of the present application provides a collection terminal device, where the collection terminal device includes: a processor and a memory storing computer program instructions;

the processor, when executing the computer program instructions, carries out the steps of the payment method as described in any of the embodiments of the first aspect.

In a fourth aspect, the present application provides a computer-readable storage medium having stored thereon computer program instructions, which, when executed by a processor, implement the steps of the payment method as described in any one of the embodiments of the first aspect.

In a fifth aspect, the present application provides a computer program product, and instructions in the computer program product, when executed by a processor of a payment terminal device, cause the payment terminal device to perform the steps of the payment method as described in any one of the embodiments of the first aspect.

According to the payment method, the payment device, the payment equipment, the payment medium and the payment product in the embodiment of the application, first balance information corresponding to a first account in a target payment card is obtained by utilizing first account information in the target payment card read by a first card reader, then a transaction amount corresponding to the target bill is combined to determine a first payment amount corresponding to the first account and a second payment amount corresponding to a second account in the target payment card, then second account information in the target payment card is obtained by a second card reader, and a deduction process is carried out on the second account according to the second payment amount according to the second account information, and the first account is deducted according to the first payment amount according to the first account information to realize payment of the target bill.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the embodiments of the present application will be briefly described below, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 is a schematic flow chart diagram of a payment method provided by one embodiment of the present application;

FIG. 2 is an architectural diagram for which the payment method provided herein is applicable;

FIG. 3 is a schematic flow chart diagram of a payment method provided in another embodiment of the present application;

FIG. 4 is a schematic diagram illustrating an interaction flow of a payment method provided herein;

FIG. 5 is a schematic diagram of a payment device provided in an embodiment of the present application;

fig. 6 is a schematic structural diagram of a checkout terminal device according to an embodiment of the present application.

Detailed Description

Features of various aspects and exemplary embodiments of the present application will be described in detail below, and in order to make objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are intended to be illustrative only and are not intended to be limiting. It will be apparent to one skilled in the art that the present application may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the present application by illustrating examples thereof.

It should be noted that, in this document, relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrases "comprising 8230; \8230;" 8230; "does not exclude the presence of additional like elements in a process, method, article, or apparatus that comprises the element.

Under the non-connection payment scene under the online, when the user needs to use a plurality of payment accounts to pay the same bill, the payment cards corresponding to the plurality of payment accounts respectively need to be taken out, and the operation of swiping the card is respectively carried out, so that the user operation is too cumbersome, and mistakes are easily made.

In order to solve the problems of the prior art, the embodiments of the present application provide a payment method, apparatus, device, medium, and product. The payment method can be applied to a scene of offline card swiping payment, and the payment method provided by the embodiment of the application is introduced firstly below.

Fig. 1 is a schematic flowchart of a payment method according to an embodiment of the present application. The payment method may be performed by a payment receiving terminal device, which may be, for example, a point of sale (POS) machine.

As shown in fig. 1, the payment method may specifically include the following steps:

s110, acquiring a transaction amount corresponding to a target bill to be paid;

s120, reading first account information in the target payment card through a first card reader under the condition that the target payment card is detected;

s130, acquiring first balance information corresponding to a first account in a target payment card according to the first account information, wherein the target payment card corresponds to a plurality of payment accounts of a target user, and the plurality of payment accounts comprise the first account and a second account;

s140, determining a first payment amount corresponding to the first account and a second payment amount corresponding to the second account based on the first balance information and the transaction amount;

s150, acquiring second account information in the target payment card through a second card reader;

and S160, carrying out deduction processing on the second account according to the second payment amount and the first account according to the first account information and the first payment amount so as to pay the target bill.

Therefore, first balance information corresponding to a first account in the target payment card is obtained by utilizing first account information in the target payment card read by the first card reader, and then, in combination with transaction amount corresponding to a target bill, a first payment amount corresponding to the first account and a second payment amount corresponding to a second account in the target payment card are determined, then, second account information in the target payment card is obtained by the second card reader, and according to the second account information, the second account is deducted according to the second payment amount, and according to the first account information, the first account is deducted according to the first payment amount, so that payment of the target bill is realized.

Specific implementations of the above steps are described below.

In some embodiments, in S110, the target bill may be a bill generated when the user makes a purchase online, and the bill may be, for example, a bill generated by a cashier after the cashier enters the items purchased by the user. Wherein the transaction amount may be an amount to be paid by the target bill.

For example, after the user can purchase the selected item on line, the cashier or the user himself/herself inputs the information of the selected item into the cashier system to generate the target bill. When a cashier or a user clicks a settlement button on the cashier system and selects a payment card for payment, the cashier system can be triggered to send the transaction amount to be paid to the collection terminal device, and therefore the collection terminal device can receive the transaction amount corresponding to the target bill to be paid currently.

In some embodiments, in S120 and S130, the target payment card may be a card capable of wireless sensing, such as an IC card. In addition, account information corresponding to a plurality of payment accounts can be stored in the target payment card, so that the target payment card can correspond to the plurality of payment accounts. The plurality of payment accounts may include a plurality of types of payment accounts such as financial accounts, digital currency accounts, and the like. The financial account may be, for example, a bank account and the digital currency account may be, for example, a digital currency hard wallet account.

In some examples, the first account and the second account may include any combination between a digital currency account and a financial account.

Illustratively, the first account in the target payment card may be a digital currency account and the second account may be a financial account, and conversely, the first account may also be a financial account and the second account may also be a digital currency account. Of course, the first account and the second account may also be different accounts corresponding to the same user under the same type, for example, two payment accounts opened by the user at a certain bank, which is not limited herein.

In addition, the condition that the target payment card is detected may be that the user uses the target payment card to approach the collection terminal device, or uses the target payment card to perform a card swiping operation on the collection terminal device. Therefore, the collection terminal device can acquire the account information in the target payment card, and further perform operations such as balance inquiry, deduction and the like.

In some examples, when the receiving terminal device detects the target payment card, account information corresponding to a plurality of payment accounts in the target payment card may be read at one time through a card reader disposed in the receiving terminal device, where first account information corresponding to the first account may include an account identifier of the first account, a user identity identifier, and the like, and then the receiving terminal device may query first balance information in the first account from the corresponding first mechanism according to the first account information. Of course, the first account information may also directly include the first balance information, so that the first balance information may be directly extracted from the first account information.

In addition, because the existing collection terminal device generally has only one card reader and can only read account information corresponding to one account, in order to enable the collection terminal device to read account information of multiple types of accounts in one payment card, multiple card readers can be correspondingly arranged in the collection terminal device, wherein one type of account can correspond to one card reader.

In some embodiments, a first card reader and a second card reader may be integrated into the payment receiving terminal device, where the first card reader is configured to read first account information in the target payment card, and the second card reader is configured to read second account information in the target payment card.

For example, a modified POS machine may be used to read a card of a payment card integrated with a financial account and a digital currency account, i.e., a combination card, during a payment process. The modified POS machine is integrated with a card reader for reading account information corresponding to the financial account, namely the card reader for reading the financial account information, and also integrated with a card reader for reading account information corresponding to the digital currency account, namely the card reader for reading the digital currency account information.

In some specific examples, when the receiving terminal device detects the target payment card, first account information in the target payment card may be read through a first card reader disposed in the receiving terminal device, and then first balance information in the first account may be obtained through the first account information.

In some embodiments, in S140, the balance in the first account may be determined according to the first balance information, and then a first payment amount required to be paid by the first account and a second payment amount required to be paid by the second account may be determined according to the balance in the first account and the transaction amount corresponding to the target bill.

In a possible case, the payment amount corresponding to each account may be specified by the user, and by querying the balance in the first account, when it is determined that the balance in the first account is greater than the payment amount specified by the user, that is, when the balance is sufficient, the payment amount corresponding to the first account specified by the user is determined as a first payment amount corresponding to the first account, and the payment amount corresponding to the second account specified by the user is determined as a second payment amount corresponding to the second account.

In another possible case, the payment amount corresponding to each account can be determined based on the account usage priority by setting the account deduction priority. In the embodiment of the application, the use priority of the first account is higher than that of the second account, and when the balance in the first account is smaller than the transaction amount, the second account is used for paying the balance.

Based on this, in some examples, the S140 may specifically include:

according to the first balance information, taking the balance in the first account as a first payment amount corresponding to the first account;

calculating the difference between the transaction amount and the balance in the first account based on the first balance information and the transaction amount to obtain a difference to be paid;

and taking the difference to be paid as a second payment amount corresponding to the second account.

For example, the balance in the first account may be determined through the queried first balance information, and then, in a case that the balance in the first account is smaller than the transaction amount, the amount in the first account may be determined as a first payment amount corresponding to the first account, and a difference between the transaction amount and the balance, that is, a difference to be paid, may be determined as a second payment amount corresponding to the second account.

In this way, the balance in the first account is used as the first payment amount corresponding to the first account, and the difference between the transaction amount and the balance in the first account, namely the difference to be paid, is determined as the second payment amount corresponding to the second account, so that when small funds exist in the first account, the small funds are fully utilized, and the use probability of the remaining small funds in the payment account is improved.

In some embodiments, in S150 and S160, after determining the first payment amount corresponding to the first account and the second payment amount corresponding to the second account, the second card reader in the payment terminal device may be used to read the second account information in the target payment card, and further, the second account information and the first account information obtained in the previous step are used to deduct the corresponding payment amount from the second account and the first account, respectively.

In some examples, the deduction process may be performed on the second account according to the second account information for the second payment amount, and in case of successful deduction, the deduction process may be performed on the first account according to the first account information for the first payment amount. Of course, the first account may be deducted and then the second account may be deducted. The deduction process can also be carried out on the first account and the second account at the same time. That is, the deduction order between the first account and the second account is not limited herein.

Based on this, in some embodiments, the S160 may specifically include:

according to the second account information, sending a first deduction request to a second mechanism corresponding to the second account, wherein the first deduction request is used for indicating the second mechanism to execute deduction operation on the second account according to the second payment amount, and generating a first deduction result;

receiving a first deduction result returned by the second mechanism;

and sending a second deduction request to a first mechanism corresponding to the first account according to the first account information under the condition that the first deduction result is that the deduction is successful, wherein the second deduction request is used for indicating the first mechanism to execute deduction operation on the first account according to the first payment amount.

Here, the second institution may be a payment institution corresponding to the second account, and the first institution may be a payment institution corresponding to the first account, for example, if the second account is a financial account, the first institution is a financial institution corresponding to the financial account, and if the first account is a digital money account, the second institution is a digital money management institution corresponding to the digital money account.

For example, if the first account is a digital currency account and the second account is a financial account, the first deduction request may be sent to a financial institution corresponding to the financial account, where the first deduction request may include financial account consumption transaction information, and the financial account consumption transaction information may specifically include information such as an account identifier, a user identifier, and a second payment amount, so that the financial institution performs a deduction operation on the financial account according to the financial account consumption transaction information to obtain a first deduction result. After the receiving terminal device receives the first deduction result, the receiving terminal device may continue to send a second deduction request to the digital money management mechanism corresponding to the digital money account when the first deduction result is successful, where the second deduction request may include digital money transaction data, and the digital money transaction data may specifically include at least one of an old money invalidation instruction and a new money generation instruction for the digital money account, so that the digital money management mechanism may execute at least one of the old money invalidation and the new money generation according to the instruction, thereby implementing the deduction operation for the digital money account.

In addition, when the first deduction result is deduction failure, the transaction process can be terminated, and transaction failure prompt information can be output.

In some embodiments, after the first mechanism performs the deduction operation, a second deduction result may be generated, and based on this, the payment method provided in this embodiment may further include:

receiving a second deduction result returned by the first mechanism based on the second deduction request;

and in the case that the second deduction result is successful, executing bill generation and printing operation.

In addition, under the condition that the second deduction result is deduction failure, the transaction process can be terminated, and transaction failure prompt information can be output.

In addition, in order to be compatible with the characteristic that the existing collection terminal device can only read account information corresponding to one account at a time, in the embodiment of the application, the modified collection terminal device can be read by alternately powering on two card readers as required.

On this basis, in some embodiments, before the foregoing S120, the payment method provided in the embodiment of the present application may further include:

and controlling the first card reader in the cash collecting terminal equipment to be powered on.

For example, the payee terminal device may search for the target payment card by using the first card reader after being powered up in a manner of powering up the first card reader, so as to read the first account information in the target payment card when the target payment card approaches the payee terminal device. At this time, the second card reader can be in a power-down state and does not work. Therefore, the receiving terminal device can obtain the first account information, and extract or query the balance corresponding to the first account from the first account information, that is, the first balance information.

In addition, in some embodiments, before the foregoing S150, the payment method provided in the embodiment of the present application may further include:

and controlling the second card reader in the cash collecting terminal device to be powered on.

For example, the payee terminal device may further search for the target payment card by using the second card reader after being powered up in a manner of powering up the second card reader, so as to read the second account information in the target payment card. At this point, the first card reader may continue to be in a powered-on state.

Based on this, in order to be compatible with the existing card reading mechanism of the cash receiving terminal device and avoid the problem of card searching conflict caused by the fact that the two account information are read simultaneously, when the second card reader is powered on, the first card reader can be in a power-off state and does not work.

In some embodiments, before the step of controlling the second card reader in the cash receiving terminal device to be powered on, the payment method provided in the embodiment of the present application may further include:

and controlling the first card reader in the cash receiving terminal equipment to be powered down.

Therefore, the first card reader and the second card reader are powered on alternately, so that the money receiving terminal equipment can be ensured to read only one account information in the target payment card at a time, and the problem of card searching conflict is avoided.

In addition, in some embodiments, before the step of performing a deduction process on the first account according to the first payment amount according to the first account information in S160, the payment method provided in this embodiment of the application may further include:

controlling a second card reader in the collection terminal device to be powered off;

and controlling a first card reader in the cash receiving terminal equipment to be powered on, and reading first account information in the target payment card through the first card reader.

For example, before deducting the first account, the payment receiving terminal device may further control the powered second card reader to perform a power-down operation, and then, in a manner of powering on the first card reader, the powered first card reader is used to find the target payment card, so as to read the first account information in the target payment card.

Therefore, the collection terminal device can obtain the first account information and deduct money from the first account based on the first account information. The deduction process includes, but is not limited to, sending, by the receiving terminal device, a second deduction request to the first mechanism corresponding to the first account, so that the first mechanism performs a corresponding deduction operation in response to the second deduction request, and for a specific process, reference may be made to the foregoing related content part, which is not described herein again.

Therefore, by modifying the collection terminal equipment and adopting the mode of alternately electrifying the two card readers, the problem of card searching conflict when the existing collection terminal equipment reads account information corresponding to two accounts is solved, the card reading operation of two different accounts in the same payment card under a non-contact scene is realized, and the combined payment by utilizing a plurality of payment accounts corresponding to the same payment card becomes possible.

In addition, in order to ensure that the payment process is performed smoothly and avoid the situation that the payment of the second account is failed due to insufficient balance but the deduction is continued to be performed on the first account, in some embodiments, the step of performing the deduction processing on the second account according to the second payment amount according to the second account information may specifically include:

acquiring second balance information corresponding to the second account according to the second account information;

determining whether the balance in the second account is less than a second payment amount according to the second balance information;

when the balance in the second account is not less than the second payment amount, deducting the second account according to the second payment amount;

and under the condition that the balance in the second account is less than the second payment amount, terminating the transaction process and outputting transaction failure prompt information.

For example, the balance in the second account may be firstly queried based on the second account information, that is, the second balance information may specifically be that the receiving terminal device sends a balance query request for the second account to the second institution according to the second account information, and after receiving the request, the second institution may query the second balance information of the second account according to the second account information and return the second balance information to the receiving terminal device. Therefore, the money receiving terminal device can terminate the transaction process in time and output the transaction failure prompt information on the display screen of the money receiving terminal device under the condition that the balance in the second account is determined to be smaller than the second payment amount needing to be paid. The transaction failure prompt message includes but is not limited to prompt messages in the form of images, words, symbols, sounds and the like, so as to prompt the user of payment failure. If the balance in the second account is determined to be not less than the second payment amount needing to be paid by the receiving terminal device, the deduction processing can be normally carried out on the second account according to the second payment amount.

Therefore, through the process, the situation that the payment of the second account fails due to insufficient balance of the second account but the first account is continuously deducted can be avoided, so that unnecessary refund operation on the first account when the payment of the second account fails can be avoided, and the payment process is simplified while the smooth proceeding of the payment process is ensured. In order to better describe the whole scheme, some specific examples are given based on the above-mentioned various embodiments.

For example, the payment method provided by the embodiment of the present application can be applied to the architecture shown in fig. 2, which is specifically described in detail with reference to fig. 2.

Fig. 2 is an architecture diagram to which the payment method provided in the present application is applicable.

As shown in fig. 2, the architecture diagram may include a payment card 21, a payment receiving terminal 22, an acquirer 23, and a plurality of payment mechanisms 24. The acquiring unit 23 may be a unit that provides the receiving terminal device 22, and the receiving terminal device 22 may transmit information (for example, information such as a deduction request and a deduction result) through the acquiring unit 23 when the information is exchanged with a plurality of payment units.

In addition, the plurality of payment mechanisms 24 may include a payment mechanism corresponding to each of a plurality of accounts corresponding to the payment card 21, for example, a first mechanism corresponding to a first account of the payment card 21 and a second mechanism corresponding to a second account of the payment card 21 may be included.

Based on the above framework, a specific example is given below by taking the first account as the digital currency account and the second account as the financial account.

A payment method flow diagram as shown in figure 3. The payment method may include S301-S314, which are explained in detail below.

S301, acquiring transaction amount;

s302, powering on the digital currency account information card reader, and reading account information corresponding to the digital currency account in the payment card;

s303, acquiring the balance of the digital currency account;

s304, calculating the difference amount due to the financial account based on the transaction amount and the balance of the digital currency account;

s305, powering on the financial account information card reader, and reading account information corresponding to the financial account in the payment card;

s306, acquiring the balance of the financial account;

s307, determining whether the balance of the financial account is less than the difference amount to be paid, if so, executing S314; if not, executing S308;

s308, deducting the money of the financial account according to the difference amount payable;

s309, determining whether the money deduction is successful, if so, executing S310; if not, executing S314;

s310, powering on the digital currency account information card reader, and reading account information corresponding to the digital currency account in the payment card;

s311, sending a waste instruction aiming at the currency in the digital currency account so as to clear the balance of the digital currency account;

s312, determining whether the currency invalidation is successful, if so, executing S313; if not, executing S314;

s313, printing a bill;

and S314, terminating the transaction process and outputting transaction failure information.

Therefore, through the process, the money receiving terminal equipment can read the account information of the digital currency account and the financial account in the payment card in sequence and deduct the transaction amount from the financial account and the digital currency account respectively, so that a cardholder can be allowed to fully utilize the residual small amount of funds in the digital currency account, and the utilization rate of the financial IC card is also improved.

More specifically, the following takes the first account as a digital money hard wallet, the second account as a financial account, and the money receiving terminal device as a POS terminal, as a specific example.

A flow chart of a payment method is shown in fig. 4. The payment method may include S401-S414, as shown in detail below. Wherein the payment mechanism may be the first mechanism or the second mechanism.

S401, transaction preprocessing: the POS terminal obtains the transaction amount.

Here, the POS terminal is powered down in a non-contact manner, i.e., no payment card is needed at this stage.

S402, searching for a card: and the POS terminal powers on the digital currency hard wallet card reader, and the digital currency hard wallet card reader is used for searching for the digital currency hard wallet in the merged card.

Here, the IC card finder is used to find a financial account in the payment card. At the moment, the IC card searching device is in a power-down state and does not work.

And S403, reading the balance of the digital currency hard wallet by the hard wallet card reader.

And S404, returning the balance of the digital currency hard wallet to the POS terminal.

S405, transaction preprocessing: the POS terminal calculates the difference amount due to the financial account.

S406, searching for a card: and the POS terminal powers on the IC card reader, and searches the financial account in the combined card by using the IC card reader.

At the moment, the card reader of the digital currency hard wallet is in a power-off state and does not work.

S407, application initialization: and (4) GPO treatment.

And S408, reading information such as financial account balance and the like by using a READ RECORD command.

And S409, responding by using the READ RECORD command, and returning information such as financial account balance and the like.

And S410, packaging the financial account consumption transaction information.

S411, financial account consumption transaction information is sent.

And S412, returning the financial account transaction success information.

Here, if the transaction fails, the transaction is terminated, and the process jumps to S418 to feed back that the transaction fails.

S413, searching for a card: and the POS terminal powers on the digital currency hard wallet card reader, and the digital currency hard wallet card reader is used for searching for the digital currency hard wallet in the merged card.

At the moment, the IC card searching device is in a power-down state and does not work.

And S414, sending an order of discarding the old money of the digital money hard wallet, wherein the balance of the hard wallet is zero.

S415, returning a response, and enabling the old coin to be invalidated successfully.

And S416, sending the digital currency transaction information.

And S417, returning the transaction success information of the digital currency account.

And S418, printing the combined transaction result receipt.

Here, the transaction result may include transaction success or transaction failure.

It should be noted that the application scenarios described in the embodiments of the present application are for more clearly illustrating the technical solutions in the embodiments of the present application, and do not constitute limitations on the technical solutions provided in the embodiments of the present application, and as a person having ordinary skill in the art can appreciate, with the occurrence of new application scenarios, the technical solutions provided in the embodiments of the present application are also applicable to similar technical problems.

Based on the same inventive concept, the application also provides a payment device. This is explained in detail with reference to fig. 5.

Fig. 5 is a schematic structural diagram of a payment apparatus provided in an embodiment of the present application.

As shown in fig. 5, the payment apparatus 500 may include:

an amount obtaining module 501, configured to obtain a transaction amount corresponding to a target bill to be paid;

a first obtaining module 502, configured to, when a target payment card is detected, read first account information in the target payment card through a first card reader;

a balance obtaining module 503, configured to obtain, according to the first account information, first balance information corresponding to a first account in the target payment card, where the target payment card corresponds to multiple payment accounts of a target user, and the multiple payment accounts include the first account and a second account;

an amount determination module 504, configured to determine, based on the first balance information and the transaction amount, a first payment amount corresponding to the first account and a second payment amount corresponding to the second account;

a first obtaining module 505, configured to obtain second account information in the target payment card through a second card reader;

and a deduction processing module 506, configured to deduct money from the second account according to the second payment amount according to the second account information, and deduct money from the first account according to the first payment amount according to the first account information, so as to pay the target bill.

The following describes the payment device 500 in detail, specifically as follows:

in some embodiments, the payment apparatus 500 may further include:

the first power-on module is used for controlling the first card reader in the cash-receiving terminal device to be powered on before the first card reader reads the first account information in the target payment card.

In some of these embodiments, the payment apparatus 500 may further include:

and the second power-on module is used for controlling the second card reader in the cash receiving terminal equipment to be powered on before the second card reader is used for acquiring the second account information in the target payment card.

In some of these embodiments, the payment apparatus 500 may further include:

the first power-down module is used for controlling the power-down of the first card reader in the money collection terminal equipment before controlling the power-up of the second card reader in the money collection terminal equipment.

In some embodiments, the payment apparatus 500 may further include:

the second power-off module is used for controlling the second card reader in the collection terminal device to be powered off before the first account is deducted according to the first payment amount according to the first account information;

and the third power-on module is used for controlling the power-on of the first card reader in the money receiving terminal equipment and reading the first account information in the target payment card through the first card reader.

In some embodiments, the deduction processing module 506 may specifically include:

the acquisition sub-module is used for acquiring second balance information corresponding to the second account according to the second account information;

a first determining sub-module, configured to determine whether the balance in the second account is less than the second payment amount according to the second balance information;

the deduction sub-module is used for deducting the money of the second account according to the second payment amount under the condition that the balance in the second account is not smaller than the second payment amount;

and the transaction termination sub-module is used for terminating the transaction process and outputting transaction failure prompt information under the condition that the balance in the second account is less than the second payment amount.

In some embodiments, the amount determining module 504 may specifically include:

the second determining submodule is used for taking the balance in the first account as the first payment amount corresponding to the first account according to the first balance information;

the balance calculation sub-module is used for calculating the difference between the transaction amount and the balance in the first account based on the first balance information and the transaction amount to obtain a balance to be paid;

and the third determining submodule is used for taking the difference to be paid as a second payment amount corresponding to the second account.

the first request submodule is used for sending a first deduction request to a second mechanism corresponding to the second account according to the second account information, wherein the first deduction request is used for indicating the second mechanism to execute deduction operation on the second account according to the second payment amount, and a first deduction result is generated;

the first receiving submodule is used for receiving the first deduction result returned by the second mechanism;

and the second request sub-module is configured to send a second deduction request to the first mechanism corresponding to the first account according to the first account information when the first deduction result is that the deduction is successful, where the second deduction request is used to instruct the first mechanism to perform a deduction operation on the first account according to the first payment amount.

In some embodiments, the deduction processing module 506 may further include:

the second receiving submodule is used for receiving a second deduction result returned by the first mechanism based on the second deduction request;

and the bill printing sub-module is used for executing bill generation and printing operation under the condition that the second deduction result is successful in deduction.

In some of these embodiments, the first account and the second account comprise any combination between a digital currency account and a financial account.

At the checkout terminal 600 may include a processor 601 and a memory 602 storing computer program instructions.

Specifically, the processor 601 may include a Central Processing Unit (CPU), or an Application Specific Integrated Circuit (ASIC), or may be configured to implement one or more Integrated circuits of the embodiments of the present Application.

Memory 602 may include mass storage for data or instructions. By way of example, and not limitation, memory 602 may include a Hard Disk Drive (HDD), floppy Disk Drive, flash memory, optical Disk, magneto-optical Disk, magnetic tape, or Universal Serial Bus (USB) Drive or a combination of two or more of these. Memory 602 may include removable or non-removable (or fixed) media, where appropriate. The memory 602 may be internal or external to the integrated gateway disaster recovery device, where appropriate. In a particular embodiment, the memory 602 is a non-volatile solid-state memory.

In particular embodiments, memory may include Read Only Memory (ROM), random Access Memory (RAM), magnetic disk storage media devices, optical storage media devices, flash memory devices, electrical, optical, or other physical/tangible memory storage devices. Thus, in general, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software comprising computer-executable instructions and when the software is executed (e.g., by one or more processors) it is operable to perform operations described with reference to the method according to an aspect of the application.

The processor 601 implements any of the payment methods in the above embodiments by reading and executing computer program instructions stored in the memory 602.

In some examples, checkout terminal 600 may also include a communication interface 603 and bus 610. As shown in fig. 6, the processor 601, the memory 602, and the communication interface 603 are connected via a bus 610 to complete communication therebetween.

The communication interface 603 is mainly used for implementing communication between various modules, apparatuses, units and/or devices in the embodiments of the present application.

Bus 610 includes hardware, software, or both to couple the components of the online data traffic billing device to each other. By way of example, and not limitation, the bus 610 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hyper Transport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an infiniband interconnect, a Low Pin Count (LPC) bus, a memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a video electronics standards association local (VLB) bus, or other suitable bus, or a combination of two or more of these. Bus 610 may include one or more buses, where appropriate. Although specific buses are described and shown in the embodiments of the application, any suitable buses or interconnects are contemplated by the application.

For example, the POS machine, the mobile phone, the tablet computer, the notebook computer, the palm computer, the vehicle-mounted electronic device, the ultra-mobile personal computer (UMPC), the netbook or the Personal Digital Assistant (PDA), etc. may be the collection terminal 600.

In addition, card readers corresponding to at least two types of payment accounts, for example, a first card reader corresponding to a first account and a second card reader corresponding to a second account, may be further integrated in the payment receiving terminal device 600, where the first card reader may be used to read first account information in the target payment card, and the second card reader may be used to read second account information in the target payment card.

The payment receiving terminal device 600 may perform the payment method in the embodiment of the present application, so as to implement the payment method and apparatus described in conjunction with fig. 1 and fig. 5.

In addition, in combination with the payment method in the foregoing embodiment, the embodiment of the present application may be implemented by providing a computer-readable storage medium. The computer readable storage medium having stored thereon computer program instructions; the computer program instructions, when executed by a processor, implement any of the payment methods of the above embodiments. Examples of computer readable storage media include non-transitory computer readable storage media such as portable disks, hard disks, random Access Memories (RAMs), read Only Memories (ROMs), erasable programmable read only memories (EPROMs or flash memories), portable compact disc read only memories (CD-ROMs), optical storage devices, magnetic storage devices, and so forth.

It is to be understood that the present application is not limited to the particular arrangements and instrumentalities described above and shown in the attached drawings. A detailed description of known methods is omitted herein for the sake of brevity. In the above embodiments, several specific steps are described and shown as examples. However, the method processes of the present application are not limited to the specific steps described and illustrated, and those skilled in the art can make various changes, modifications and additions, or change the order between the steps, after comprehending the spirit of the present application.

The functional blocks shown in the above-described structural block diagrams may be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, it may be, for example, an electronic circuit, an Application Specific Integrated Circuit (ASIC), suitable firmware, plug-in, function card, or the like. When implemented in software, the elements of the present application are the programs or code segments used to perform the required tasks. The program or code segments may be stored in a machine-readable medium or transmitted by a data signal carried in a carrier wave over a transmission medium or a communication link. A "machine-readable medium" may include any medium that can store or transfer information. Examples of a machine-readable medium include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio Frequency (RF) links, and so forth. The code segments may be downloaded via computer networks such as the internet, intranet, etc.

It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, the present application is not limited to the order of the above-described steps, that is, the steps may be performed in the order mentioned in the embodiments, may be performed in an order different from the order in the embodiments, or may be performed simultaneously.

Aspects of the present application are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions/acts specified in the flowchart and/or block diagram block or blocks. Such a processor may be, but is not limited to, a general purpose processor, a special purpose processor, an application specific processor, or a field programmable logic circuit. It will also be understood that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware for performing the specified functions or acts, or combinations of special purpose hardware and computer instructions.

As described above, only the specific embodiments of the present application are provided, and it can be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working processes of the system, the module and the unit described above may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again. It should be understood that the scope of the present application is not limited thereto, and any person skilled in the art can easily conceive various equivalent modifications or substitutions within the technical scope of the present application, and these modifications or substitutions should be covered within the scope of the present application.

Claims

1. A payment method, comprising:

acquiring a transaction amount corresponding to a target bill to be paid;

and according to the second account information, carrying out deduction processing on the second account according to the second payment amount, and according to the first account information, carrying out deduction processing on the first account according to the first payment amount so as to pay the target bill.

2. The method of claim 1, wherein prior to reading the first account information in the target payment card via the first card reader, the method further comprises:

and controlling the first card reader in the cash collection terminal equipment to be powered on.

3. The method of claim 1, wherein prior to obtaining the second account information in the target payment card via the second card reader, the method further comprises:

and controlling the second card reader in the collection terminal equipment to be powered on.

4. The method of claim 3, wherein prior to controlling the second card reader in the checkout terminal device to power up, the method further comprises:

and controlling the first card reader in the cash receiving terminal equipment to power off.

5. The method of claim 4, wherein prior to processing a debit against the first account for the first payment amount based on the first account information, the method further comprises:

controlling the second card reader in the collection terminal equipment to be powered off;

and controlling the first card reader in the collection terminal equipment to be powered on, and reading the first account information in the target payment card through the first card reader.

6. The method of claim 1, wherein the deducting the second account for the second payment amount based on the second account information comprises:

determining whether the balance in the second account is less than the second payment amount according to the second balance information;

when the balance in the second account is not less than the second payment amount, deducting the money of the second account according to the second payment amount;

and under the condition that the balance in the second account is smaller than the second payment amount, terminating the transaction process and outputting transaction failure prompt information.

7. The method of claim 1, wherein determining, based on the first balance information and the transaction amount, a first payment amount corresponding to the first account and a second payment amount corresponding to the second account comprises:

calculating a difference between the transaction amount and a balance in the first account based on the first balance information and the transaction amount to obtain a difference to be paid;

8. The method of claim 1, wherein deducting the second account for the second payment amount based on the second account information and deducting the first account for the first payment amount based on the first account information comprises:

receiving the first deduction result returned by the second mechanism;

9. The method of claim 8, further comprising:

and executing bill generation and printing operation under the condition that the second deduction result is successful.

10. The method of any of claims 1-9, wherein the first account and the second account comprise any combination between a digital currency account and a financial account.

11. A payment device, comprising:

a balance obtaining module, configured to obtain first balance information corresponding to a first account in the target payment card according to the first account information, where the target payment card corresponds to multiple payment accounts of a target user, and the multiple payment accounts include the first account and a second account;

12. A checkout terminal apparatus, the apparatus comprising: a processor and a memory storing computer program instructions;

the processor, when executing the computer program instructions, implements the steps of the payment method of any one of claims 1-10.

13. The device of claim 12, comprising a first card reader configured to read first account information in a target payment card and a second card reader configured to read second account information in the target payment card.

14. A computer-readable storage medium, having stored thereon computer program instructions, which, when executed by a processor, implement the steps of a payment method as claimed in any one of claims 1-10.

15. A computer program product, wherein instructions in the computer program product, when executed by a processor of a checkout terminal device, cause the checkout terminal device to perform the steps of a payment method as claimed in any one of claims 1 to 10.