CN116205641A

CN116205641A - Payment method, device, equipment, medium and product

Info

Publication number: CN116205641A
Application number: CN202310041984.7A
Authority: CN
Inventors: 王钰; 杨燕明; 周勋; 孙权; 祝建军; 才华; 郭晨杉; 杜红雨; 李梦泽; 尹铭泽; 马甜甜; 章政
Original assignee: China Unionpay Co Ltd
Current assignee: China Unionpay Co Ltd
Priority date: 2023-01-11
Filing date: 2023-01-11
Publication date: 2023-06-02

Abstract

The application discloses a payment method, a payment device, a payment equipment, a payment medium and a payment product. The payment method is applied to a payment platform and comprises the steps of receiving a transaction request aiming at a target order, wherein the target order comprises sub orders respectively corresponding to a plurality of merchants placed on the target shopping platform; in response to the transaction request, determining preferential amounts respectively corresponding to a plurality of sub orders in the target order based on preferential activity rules for merchants; and carrying out payment processing on the target order according to the preferential amount. According to the embodiment of the application, the diversity of the preferential activities provided by the payment platform can be improved, so that the preferential forms are richer, and the marketing effect of the preferential activities is improved.

Description

Payment method, device, equipment, medium and product

Technical Field

The application belongs to an online payment technology, and particularly relates to a payment method, a device, equipment, a medium and a product.

Background

With the continuous development of online payment technology, more and more users choose to make online shopping in shopping clients provided by a shopping platform. Since there are often stores registered by a plurality of merchants in the shopping platform, users often choose to select goods from different stores and settle accounts together during shopping.

At present, when a user pays orders containing a plurality of commodities of different stores by using a third party's payment platform, the payment platform mainly performs preferential activities for the whole orders, so that preferential activities which can be provided by the payment platform are limited, preferential forms are single, and marketing effects of the preferential activities are poor.

Disclosure of Invention

The embodiment of the application provides a payment method, a device, equipment, media and products, which can improve the diversity of preferential activities provided by a payment platform, so that preferential forms are richer, and the marketing effect of the preferential activities is improved.

In a first aspect, an embodiment of the present application provides a payment method, applied to a payment platform, including:

receiving a transaction request for a target order, wherein the target order comprises sub orders respectively corresponding to a plurality of merchants placed on a target shopping platform;

in response to the transaction request, determining preferential amounts respectively corresponding to a plurality of sub orders in the target order based on preferential activity rules for merchants;

and carrying out payment processing on the target order according to the preferential amount.

In a second aspect, an embodiment of the present application provides a payment device configured on a payment platform, the device including:

The system comprises a first receiving module, a second receiving module and a third receiving module, wherein the first receiving module is used for receiving a transaction request aiming at a target order, and the target order comprises sub orders respectively corresponding to a plurality of merchants under a target shopping platform;

the preferential determining module is used for responding to the transaction request and determining preferential amounts respectively corresponding to a plurality of sub orders in the target order based on preferential activity rules aiming at merchants;

and the order payment module is used for carrying out payment processing on the target order according to the preferential amount.

In a third aspect, an embodiment of the present application provides an electronic device, including: 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, embodiments of the present application provide 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 described in any of the embodiments of the first aspect.

In a fifth aspect, embodiments of the present application provide a computer program product, instructions in which, when executed by a processor of an electronic device, cause the electronic device to perform the steps of the payment method as described in any of the embodiments of the first aspect.

According to the payment method, device, equipment, medium and product, when the payment platform receives a transaction request for a target order, based on a preferential activity rule for a merchant, preferential amounts respectively corresponding to a plurality of sub orders in the target order are determined, and then payment processing is carried out on the target order according to the preferential amounts. In this way, the payment platform in the embodiment of the application can sink the preferential activities to the sub orders corresponding to all merchants and support the preferential activities aiming at the merchants, so that the diversity of the preferential activities provided by the payment platform is improved, the preferential forms are richer, and the marketing effect of the preferential activities is improved.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are needed in the embodiments of the present application will be briefly described, and it is possible for a person skilled in the art to obtain other drawings according to these drawings without inventive effort.

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

FIG. 2 is a flow chart of an exemplary payment method provided herein;

FIG. 3 is a schematic diagram of a payment device according to one embodiment of the present application;

fig. 4 is a schematic structural diagram of an electronic device according to an embodiment of the present application.

Detailed Description

Features and exemplary embodiments of various aspects of the present application are described in detail below to make the objects, technical solutions and advantages of the present application more apparent, and to further describe the present application in conjunction with the accompanying drawings and the detailed embodiments. It should be understood that the specific embodiments described herein are intended to be illustrative of the application 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 showing examples of the present application.

It is noted that 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. Moreover, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.

Currently, in the process of paying orders in a shopping platform using a third party paymate, two types of offers are mainly involved: one type is a platform-side or store-side offer provided by the shopping platform, such as a "full 300 minus 50" activity on the platform side or a "×× store full 500 minus 50" activity on the store side; another category is payside offers provided by paymate, such as "pay full 100 minus 5-membered" activity or "pay full 100 minus 10-membered using an x bank card" activity. Therefore, when the commodity sub-orders of a plurality of different shops are subjected to closing payment, the preferential activities at the shops side can only be provided by one side of the shopping platform, and the preferential activities at the payment side provided by the payment platform are not sunk to merchants corresponding to the shops, so that the preferential activities provided by the payment platform are very limited, the preferential forms are single, and the marketing effect of the preferential activities is poor.

In order to solve the problems in the prior art, the embodiment of the application provides a payment method, a payment device, a payment equipment, a payment medium and a payment product. The payment method can be applied to a scene of closing payment, and the payment method provided by the embodiment of the application is first described below.

Fig. 1 is a flow chart of a payment method according to an embodiment of the present application. The payment method may be applied to a paymate, which may be a third party paymate that is not a target shopping platform.

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

s110, receiving a transaction request aiming at a target order, wherein the target order comprises sub orders respectively corresponding to a plurality of merchants placed on a target shopping platform;

s120, responding to the transaction request, and determining preferential amounts respectively corresponding to a plurality of sub orders in the target order based on preferential activity rules aiming at merchants;

s130, performing payment processing on the target order according to the preferential amount.

When the payment platform receives a transaction request for a target order, the method determines the preferential amount corresponding to each of a plurality of sub orders in the target order based on the preferential activity rule for the merchant, and further performs payment processing on the target order according to the preferential amount. In this way, the payment platform in the embodiment of the application can sink the preferential activities to the sub orders corresponding to all merchants and support the preferential activities aiming at the merchants, so that the diversity of the preferential activities provided by the payment platform is improved, the preferential forms are richer, and the marketing effect of the preferential activities is improved.

A specific implementation of each of the above steps is described below.

In some embodiments, in S110, the transaction request may be a request sent by the first device, where the first device may be a background server corresponding to the target shopping platform, a terminal device installed with a shopping client corresponding to the target shopping platform, or a server corresponding to a third party acquiring system, which is not limited herein. Wherein, the shopping client can contain a payment control provided by the payment platform.

The transaction request may include order information corresponding to the target order, and the order information may include shopping platform information corresponding to the target shopping platform, an order amount corresponding to the target order, an order number, an order description, and sub-order information corresponding to each of the plurality of sub-orders, wherein the sub-order information may include information such as merchant information, sub-order amount, sub-order number, and sub-order description. Specifically, the shopping platform information may include, for example, a shopping platform number, a shopping platform name, etc., and the merchant information may include, for example, a merchant number, a merchant name, etc.

Based on the above, the payment platform is provided with a combined order information field, which is used for receiving sub-order information, and the combined order information field specifically may include fields such as a merchant number, a merchant name, a sub-order amount, a sub-order number, a sub-order description, and the like.

For example, a user may browse and purchase goods in a shopping client installed in a terminal device, wherein the purchased goods may be from stores registered by different merchants. After the shopping is completed, the user can pay the goods of different merchants in a closing way by clicking a settlement button in the shopping client, and the shopping client can send a transaction request to a background server of the target shopping platform. The background server of the target shopping platform can generate a target order for combined payment, and the target order can comprise sub orders respectively corresponding to commodities of a plurality of different merchants selected by a user. And then, the background server of the target shopping platform can call an order information pushing interface provided by the order receiving system, and related information of the target order is sent to the order receiving system in a background submitting mode. And the order receiving system invokes an order information pushing interface provided by the payment platform, and sends the transaction request carrying the related information of the target order to the payment platform in a background submitting mode.

It should be noted that, if the target shopping platform is a direct-connection merchant, that is, a merchant that can directly send information to the payment platform, the background server of the target shopping platform may also directly call the order information pushing interface provided by the payment platform, and directly send the transaction request carrying the relevant information of the target order to the payment platform in a background submitting manner.

In some embodiments, in S120, the payment platform may set the offer rules for the merchant in advance, i.e., sinking the offer to the merchant registered under the target shopping platform to develop merchant-granularity marketing.

Illustratively, the payment platform may calculate the offer of each sub-order in the target order according to the combined payment order amount offer threshold calculation logic, where the combined payment order amount offer threshold calculation logic may include:

if a plurality of sub orders exist in the target order, when the shopping platform information of the target shopping platform and the merchant information of the merchant corresponding to a certain sub order appear in pairs in the preferential configuration file, the sub order is indicated to meet the activity requirement. Based on the method, all the sub orders in the target order are traversed, sub orders meeting the requirement of the activity are found, the sub order amounts of the sub orders are accumulated, whether the requirement of the preferential threshold amount is met or not is judged through the accumulated amounts, and the preferential amount corresponding to each sub order is determined according to the preferential rule under the condition that the requirement is met. Here, only the sub-orders that meet the rule of the offer participate in the calculation of the offer amount, and the offer amount may be assigned to 0 for the sub-orders that do not meet the rule of the offer.

If the target order does not have a plurality of sub orders, judging whether shopping platform information of the target shopping platform exists in the preferential configuration file independently, and if so, determining preferential amount according to the original non-closing payment preferential activity rule.

In addition to the above-mentioned cross-store full-reduced coupon amount calculation manner, the coupon may be a coupon set for some specific merchants, for example, a coupon set for "full 100 minus 5" of the a merchant, for this coupon, the coupon amount of the sub-order corresponding to the a merchant may be determined to be 5 yuan when the sub-order amount is greater than 100 yuan and the sub-order amount corresponding to the a merchant exists in the target order directly according to the a-merchant coupon manner specified in the coupon configuration file.

In some embodiments, in S130, after determining the respective preferential amount of each sub-order in the target order, the corresponding amount to be paid may be calculated according to the preferential amount of each sub-order, and then the target order is paid according to the accumulated sum of the amounts to be paid.

In addition, in order to perform risk prevention and control management on merchants corresponding to each sub-order in the combined payment order, in some embodiments, the transaction request includes order information corresponding to the target order, where the order information includes sub-order information corresponding to each of the plurality of sub-orders, and where the sub-order information includes merchant information, the step S120 may specifically include:

Respectively inquiring merchant information corresponding to each sub-order in a preset merchant blacklist;

and under the condition that merchant information corresponding to the target sub-orders exists in the merchant blacklist, determining the preferential amounts respectively corresponding to other sub-orders except the target sub-orders in the target orders based on preferential activity rules aiming at merchants.

Here, the merchant blacklist may be a list for recording merchants at risk of marketing arbitrage. Based on the above, whether the merchant information corresponding to the sub-order in the target order exists or not can be determined by querying the merchant blacklist, and if the merchant information corresponding to the target sub-order exists in the merchant blacklist, the merchant corresponding to the target sub-order is refused to participate in the preferential activity, so that the preferential amount corresponding to the target sub-order can be directly set to 0. And for sub orders in which the merchant information in the target order is not in the merchant blacklist, the corresponding preferential amount can be calculated continuously.

Therefore, by setting the merchant blacklist, risk control can be carried out on merchants of all sub-orders participating in the preferential activity, and the pneumatic control checking of the merchants corresponding to all the sub-orders in the combined payment order is realized.

In addition, in order to realize finer granularity of wind control investigation, in some embodiments, when the order information further includes shopping platform information corresponding to the target shopping platform, the step of respectively querying the preset merchant blacklist for merchant information corresponding to each sub-order may specifically include:

and respectively inquiring joint merchant information corresponding to each sub-order in a preset merchant blacklist, wherein the joint merchant information comprises shopping platform information and merchant information corresponding to the sub-order.

Accordingly, when the merchant blacklist includes merchant information corresponding to the target sub-order, determining, based on the preference rule for the merchant, preference amounts corresponding to the other sub-orders in the target order except for the target sub-order, may specifically include:

and under the condition that joint merchant information corresponding to the target sub-orders exists in the merchant blacklist, determining the preferential amounts respectively corresponding to other sub-orders except the target sub-orders in the target order based on preferential activity rules aiming at merchants.

Here, in order to respectively perform wind control management on the same merchant under different shopping platforms as independent merchants, the embodiment of the application can perform wind control investigation in a wind control investigation mode with finer granularity.

For example, the joint merchant information corresponding to each sub-order in the target order may be queried by calling the list general query interface to determine whether the combined information formed by the shopping platform information corresponding to the target shopping platform and the merchant information corresponding to each sub-order in the target order, that is, the joint merchant information, exists in the merchant blacklist. If the combined merchant information corresponding to the target sub-order exists in the merchant blacklist, the merchant corresponding to the target sub-order is refused to participate in the marketing activity, and the preferential amount corresponding to the target sub-order can be directly set to 0. And for sub orders in which the joint merchant information in the target order is not in the merchant blacklist, the corresponding preferential amount can be calculated continuously.

Therefore, when the A merchant under the B platform belongs to the merchant in the blacklist, the A merchant under the C platform does not belong to the merchant in the blacklist, so that more fine-grained wind control investigation can be realized.

In addition, in order to improve the security of order payment, in some embodiments, the order information further includes an order amount corresponding to a target order, and in the case that the sub-order information further includes a sub-order amount, the step of respectively querying, in a preset merchant blacklist, joint merchant information corresponding to each sub-order may specifically include:

Adding the sub-order amounts corresponding to the plurality of sub-orders respectively to obtain the total amount of the sub-orders;

and under the condition that the total amount of the sub-orders is not greater than the amount of the orders, respectively inquiring joint merchant information corresponding to each sub-order in a preset merchant blacklist.

For example, the paymate may first verify that the sum of the sub-order amounts of each sub-order is not greater than the order amount of the target order prior to the pneumatic check. If yes, namely, the sum of the sub-order amounts is not greater than the order amount, the commercial tenant corresponding to each sub-order can be continuously subjected to the wind control checking; if not, i.e., the sum of the sub-order amounts is greater than the order amount, the transaction request for the target order may be denied.

Therefore, by checking the amount of the order, the safety of order payment can be improved, and the payment risk can be eliminated in time.

In addition, in some embodiments, before S130, the payment method provided in the embodiment of the present application may further include:

acquiring preferential information respectively corresponding to the plurality of sub orders, wherein the preferential information comprises preferential amount;

combining the preferential information corresponding to each sub order in the plurality of sub orders with the sub order information to obtain combined preferential information corresponding to each sub order;

And storing the combined preferential information corresponding to the multiple sub orders to a database.

Here, after the coupon amount corresponding to the sub-order is calculated, coupon information corresponding to the sub-order may be generated according to the coupon amount, where the coupon information may include, for example, the sub-order number, the merchant name, the coupon number, the sub-order amount, the sub-order coupon amount, and the like.

Based on the above, after the coupon information corresponding to each sub-order is obtained, the coupon information corresponding to each sub-order and the sub-order information can be integrated, and further, a piece of combined coupon information can be generated for each sub-order, where the combined coupon information can include, for example, information such as a merchant number, a merchant name, a sub-order amount, a sub-order number, a sub-order description, a coupon serial number, a sub-order coupon amount, and the like.

In order to facilitate the extraction of the preferential amount corresponding to each sub-order in the target order when the target order is paid later, the combined preferential information corresponding to each sub-order in the target order can be stored in a database, and the target transaction serial number corresponding to the target order is returned to the first device.

Based on this, in some embodiments, before S130 described above, the payment method provided in the embodiment of the present application may further include:

Receiving a payment request for a target order;

and responding to the payment request, inquiring and acquiring the preferential amount corresponding to the multiple sub orders in the target order from the database.

Here, the payment request may be a request sent by the first device after receiving a target transaction serial number returned by the paymate. The payment request may be a request generated after the user inputs payment verification information on the terminal device.

For example, after receiving a payment request for a target order, the payment platform may perform verification such as security verification on payment verification information input by a user and carried in the payment request, and after the verification is passed, may process the payment request and return a payment result.

In the process of processing the payment request, the payment platform can search information such as preferential amounts corresponding to a plurality of sub orders in the target order from the database so as to calculate the amount to be paid of each sub order based on the preferential amounts, and further pay each sub order according to the amount to be paid, thereby completing the payment processing of the target order.

Additionally, in some embodiments, after S130 above, the method further comprises:

generating combined order payment information according to the payment processing result corresponding to the target order and combined preference information respectively corresponding to the multiple sub orders;

And storing the closing payment information to an order data storage system.

Here, after completing the payment process for the target order, a payment process result may be obtained, which the paymate may return to the first device. Based on the information, the payment platform may generate the closing payment information, where the closing payment information may include, in addition to the closing preference information, related information of the target order, for example, merchant information, a sub-order amount, a preference amount, and the like corresponding to each sub-order.

For example, the closing payment information may be uploaded to an order data storage system for storage, where the order data storage system may be a system in a paymate for storing big data order tables.

In addition, after uploading the closing payment information to the order data storage system for storage, the method further comprises:

receiving a bill inquiry request aiming at a target order sent by terminal equipment;

inquiring and acquiring closing payment information corresponding to the target order from an order data storage system in response to the bill inquiry request, wherein the closing payment information comprises preferential amount and sub-order amount respectively corresponding to a plurality of sub-orders in the target order;

And sending the closing payment information corresponding to the target order to the terminal equipment, so that the terminal equipment determines the sub-order amount after the discount according to the discount amount and the sub-order amount, and displaying the sub-order amount and the sub-order amount after the discount corresponding to the plurality of sub-orders to the user.

Here, the bill query request may be a request generated when the user clicks a bill query button on a payment client in the terminal device.

For example, when a user clicks a bill inquiry button on a payment client in the terminal device, the terminal device may send a bill inquiry request for a target order to the payment platform, and the payment platform may inquire and acquire the closing payment information of the target order from the order data storage system and push the closing payment information to the front end of the payment account, that is, the payment client in the terminal device, to be displayed in the payment client.

Specifically, the bill details page of the payment client may present the following information: and the sub-order information respectively corresponding to all the sub-orders in the target order comprises a merchant name, a sub-order amount and a post-discount sub-order amount. In addition, the information such as refund amount can be displayed in the refund bill detail page besides the merchant information which can be displayed and corresponds to all the sub orders in the target order.

In addition, if the number of sub-order information to be displayed in the bill detail page is more than the preset number, the sub-order information with the preset number before display can be defaulted, and after the user clicks the button below to click to view all, all the sub-order information corresponding to all the sub-orders can be fully paved and displayed. If the number of sub-order information to be presented has reached the highest number that can be presented, for example, 50, then "at most 50 pieces can be presented at the lowest of the bill detail pages, and please consult×× for all information. If the bill information is too long, the user slides beyond the first screen position, a suspension button returning to the top can be displayed at the moment, and if the user clicks the suspension button, the user can quickly return to the top of the bill detail page.

In order to better describe the whole solution, some specific examples are given based on the above embodiments.

Such as the payment method flow chart shown in fig. 2. The payment method may be applied to a paymate, wherein the paymate may include a full channel system, a pneumatic control system, a marketing system, an order data storage system, and a payment server.

As shown in fig. 2, the payment method may include S201-S225, which will be explained in detail below.

S201, the shopping platform client sends a transaction request to the shopping platform server.

In some examples, a user browses and purchases merchandise (involving multiple merchants) at a shopping platform client, through which a transaction request is sent to a shopping platform server. Wherein, the shopping platform client can integrate payment control provided by the payment platform.

S202, the shopping platform server generates order information and sends the order information to the order receiving system.

In some examples, the shopping platform server generates order information for the target order and transmits the order information to the order receiving system in a background submitting mode according to an order information pushing interface of the order receiving mechanism.

S203, the order receiving system forwards order information to the whole channel system.

In some examples, the order receiving system transmits the order information to the full channel system in a background submitting mode according to an order information pushing interface of the full channel system.

It should be noted that if the shopping platform is a direct connection platform, the shopping platform server may push the constructed order information to the full channel system directly according to the combined order information push interface of the full channel system in a manner submitted by the merchant in the background.

S204, accounting the order amount by the whole channel system.

In some examples, the full channel system verifies whether the sum of the amounts of the individual sub-orders is not greater than the total order amount, and if so, denies the order transaction request, and if not, continues with the following steps.

S205, the whole channel system sends order information to the wind control system.

In some examples, the full channel system sends the shopping platform number in the order information and the sub-order merchant number in the consolidated order information field to the wind control system in list form.

S206, the wind control system judges whether the merchant in the order information belongs to a cattle merchant.

In some examples, the pneumatic control system judges whether the commercial yellow cattle merchant belongs to the commercial black list in pairs through the list general inquiry interface on the shopping platform number and all sub-order commercial tenant numbers in the combined order information domain, if so, the marketing is refused, and if not, the marketing can be participated.

S207, the wind control system returns a wind control result to the full channel system.

S208, the whole channel system sends order information to the marketing system.

S209, the marketing system calculates the preferential amount of each sub-order according to the preferential threshold calculation logic of the combined payment order amount.

And S210, the marketing system returns the combined order preference information to the whole channel system.

In some examples, the combined order offer information may include offer information corresponding to each of the orders in the target order.

S211, integrating the order information with the combined order preference information by the whole channel system, and storing the integrated order preference information in a stock.

S212, the all-channel system returns a transaction serial number response to the order receiving system.

S213, the order receiving system returns the transaction serial number to the shopping platform server.

It should be noted that, if the shopping platform is a direct connection platform, the whole channel system may directly return the transaction serial number to the shopping platform server.

S214, the shopping platform server returns the transaction serial number to the shopping platform client.

S215, the shopping platform client side invokes a payment control and sends a payment request to the whole channel system.

In some examples, after receiving the elements such as the transaction serial number, the shopping platform client invokes the payment control, and after the user inputs the payment verification information, the client assembles and sends the payment request data to the full channel system according to the payment interface rules of the full channel system.

S216, the full-channel system processes the payment request.

In some examples, after receiving the payment request, the full channel system performs verification such as security verification that the payment request was post-processed.

S217, the full-channel system returns a payment result to the shopping platform client.

S218, the shopping platform client returns a payment result to the shopping platform server.

S219, the full-channel system asynchronously returns a payment result to the order receiving system.

In some examples, the all-channel system asynchronously returns payment results to the order system background, and for successfully processed transactions, the all-channel system actively initiates notifications, returning payment result data to the order system.

S220, the order receiving system asynchronously returns a payment result to the shopping platform server.

S221, the full-channel system pushes the closing payment information to the order data storage system.

S222, the payment client sends a bill inquiry request to the payment server.

And S223, the payment server sends a bill inquiry request to the order data storage system.

S224, the order data storage system returns the round-trip payment information to the payment server.

S225, the payment server returns the closing payment information to the payment client.

In some examples, the payment client, upon receipt of the closing payment information, may present the relevant information for each sub-order on a bill particulars page.

In this way, compared with the prior art, the embodiment of the application can support the development of preferential activities aiming at specific merchants in the shopping platform at the payment side, support the wind control investigation of all the merchants and support the inquiry of sub-order information corresponding to all the merchants, thereby realizing the optimization of marketing experience, the upgrading of risk prevention and control and the optimization of payment interaction experience.

It should be noted that, the application scenario described in the foregoing embodiments of the present application is for more clearly describing the technical solution of the embodiments of the present application, and does not constitute a limitation on the technical solution provided in the embodiments of the present application, and as a person of ordinary skill in the art can know, with the appearance of a new application scenario, the technical solution provided in the embodiments of the present application is also applicable to similar technical problems.

Based on the same inventive concept, the application also provides a payment device. This is described in detail with reference to fig. 3.

Fig. 3 is a schematic structural diagram of a payment device according to an embodiment of the present application. The payment device can be configured on a payment platform.

As shown in fig. 3, the payment apparatus 300 may include:

the first receiving module 301 is configured to receive a transaction request for a target order, where the target order includes sub orders respectively corresponding to a plurality of merchants placed on a target shopping platform;

a coupon determining module 302, configured to determine coupon amounts corresponding to a plurality of sub-orders in the target order respectively based on a coupon rule for a merchant in response to the transaction request;

and the order payment module 303 is used for performing payment processing on the target order according to the preferential amount.

The following describes the payment apparatus 300 in detail, and is specifically as follows:

in some embodiments, the trade request includes order information corresponding to the target order, the order information includes sub-order information corresponding to the plurality of sub-orders, and the sub-order information includes merchant information;

the preference determination module 302 may specifically include:

the first inquiry submodule is used for respectively inquiring merchant information corresponding to each sub-order in a preset merchant blacklist;

and the first determining submodule is used for determining the preferential amounts respectively corresponding to other sub-orders except the target sub-order in the target order based on the preferential activity rule aiming at the merchant under the condition that the merchant blacklist contains the merchant information corresponding to the target sub-order.

In some embodiments, the order information further includes shopping platform information corresponding to the target shopping platform;

the first query submodule may specifically include:

the inquiry unit is used for respectively inquiring joint merchant information corresponding to each sub-order in a preset merchant blacklist, wherein the joint merchant information comprises shopping platform information and merchant information corresponding to the sub-order;

The first determining submodule may specifically include:

and the determining unit is used for determining the preferential amounts respectively corresponding to the other sub-orders except the target sub-order in the target order based on the preferential activity rule aiming at the merchant under the condition that the combined merchant information corresponding to the target sub-order exists in the merchant blacklist.

In some embodiments, the order information further includes an order amount corresponding to the target order, and the sub-order information further includes a sub-order amount;

the query unit may specifically include:

the sum accumulation subunit is used for adding the sub-order sum corresponding to the plurality of sub-orders respectively to obtain the total sum of the sub-orders;

and the information inquiry subunit is used for respectively inquiring the joint merchant information corresponding to each sub-order in a preset merchant blacklist under the condition that the total amount of the sub-order is not more than the amount of the order.

In some of these embodiments, the payment device 300 may further include:

the information acquisition module is used for acquiring the preferential information respectively corresponding to a plurality of sub orders in the target order after determining the preferential amount respectively corresponding to the plurality of sub orders based on the preferential activity rule for the merchant, wherein the preferential information comprises the preferential amount;

The information merging module is used for merging the preferential information corresponding to each sub order in the plurality of sub orders with the sub order information to obtain merged preferential information corresponding to each sub order;

and the first storage module is used for storing the combined preferential information corresponding to the multiple sub orders to a database.

In some of these embodiments, the payment device 300 may further include:

the second receiving module is used for receiving a payment request aiming at the target order before the target order is subjected to payment processing according to the preferential amount;

and the amount acquisition module is used for responding to the payment request, inquiring and acquiring preferential amounts respectively corresponding to a plurality of sub orders in the target order from the database.

In some of these embodiments, the payment device 300 may further include:

the information generation module is used for generating combined order payment information according to the payment processing result corresponding to the target order and combined preference information respectively corresponding to the plurality of sub orders after the target order is paid according to the preference amount;

and the second storage module is used for storing the closing payment information to an order data storage system.

In some of these embodiments, the payment device 300 may further include:

the third receiving module is used for receiving a bill inquiry request aiming at the target order sent by the terminal equipment after the closing payment information is stored in the order data storage system;

the information inquiry module is used for responding to the bill inquiry request, inquiring and acquiring the combined order payment information corresponding to the target order from the order data storage system, wherein the combined order payment information comprises preferential amount and sub order amount which respectively correspond to a plurality of sub orders in the target order;

and the information sending module is used for sending the closing payment information corresponding to the target order to the terminal equipment so that the terminal equipment can determine the sub-order amount after the discount according to the discount amount and the sub-order amount and display the sub-order amount and the sub-order amount after the discount corresponding to the plurality of sub-orders to the user.

A processor 401 and a memory 402 storing computer program instructions may be included in the electronic device 400.

In particular, the processor 401 described above may include a Central Processing Unit (CPU), or an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), or may be configured to implement one or more integrated circuits of embodiments of the present application.

Memory 402 may include mass storage for data or instructions. By way of example, and not limitation, memory 402 may comprise a Hard Disk Drive (HDD), floppy Disk Drive, flash memory, optical Disk, magneto-optical Disk, magnetic tape, or universal serial bus (Universal Serial Bus, USB) Drive, or a combination of two or more of the foregoing. Memory 402 may include removable or non-removable (or fixed) media, where appropriate. Memory 402 may be internal or external to the integrated gateway disaster recovery device, where appropriate. In a particular embodiment, the memory 402 is a non-volatile solid state memory.

In particular embodiments, the 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., memory devices) 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 the operations described with reference to a method according to an aspect of the present application.

The processor 401 implements any of the payment methods of the above embodiments by reading and executing computer program instructions stored in the memory 402.

In some examples, electronic device 400 may also include communication interface 403 and bus 410. As shown in fig. 4, the processor 401, the memory 402, and the communication interface 403 are connected by a bus 410 and perform communication with each other.

The communication interface 403 is mainly used to implement communication between modules, apparatuses, units and/or devices in the embodiments of the present application.

Bus 410 includes hardware, software, or both, coupling components of the online data flow billing device to each other. By way of example, and not limitation, bus 410 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a HyperTransport (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 the above. Bus 410 may include one or more buses, where appropriate. Although embodiments of the present application describe and illustrate a particular bus, the present application contemplates any suitable bus or interconnect.

By way of example, electronic device 400 may be a cell phone, tablet, notebook, palm, in-vehicle electronic device, ultra-mobile personal computer (UMPC), netbook, or personal digital assistant (personal digital assistant, PDA), or the like.

The electronic device 400 may perform the payment method in the embodiments of the present application, thereby implementing the payment method and apparatus described in connection with fig. 1 and 3.

In addition, in connection with the payment method in the above embodiments, the embodiments of the present application may be implemented by providing a computer readable storage medium. The computer readable storage medium has 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 (EPROM or flash memories), portable compact disk read-only memories (CD-ROMs), optical storage devices, magnetic storage devices, and the like.

It should be clear that the present application is not limited to the particular arrangements and processes described above and illustrated in the drawings. For the sake of brevity, a detailed description of known methods is omitted here. 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 steps, after appreciating the spirit of the present application.

The functional blocks shown in the above-described structural block diagrams may be implemented in 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, a plug-in, a 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 over transmission media or communication links by a data signal carried in a carrier wave. A "machine-readable medium" may include any medium that can store or transfer information. Examples of machine-readable media include electronic circuitry, 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 the like. The code segments may be downloaded via computer networks such as the internet, intranets, 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 different from the order in the embodiments, or several steps 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 being, 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 which performs the specified functions or acts, or combinations of special purpose hardware and computer instructions.

In the foregoing, only the specific embodiments of the present application are described, and it will be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working processes of the systems, modules and units described above may refer to the corresponding processes in the foregoing method embodiments, which are not repeated herein. 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, which are intended to be included in the scope of the present application.

Claims

1. A payment method applied to a paymate, the method comprising:

2. The method of claim 1, wherein the transaction request includes order information corresponding to the target order, wherein the order information includes sub-order information corresponding to each of the plurality of sub-orders, and wherein the sub-order information includes merchant information;

the determining, based on the coupon activity rule for the merchant, coupon amounts respectively corresponding to the plurality of sub-orders in the target order includes:

3. The method of claim 2, wherein the order information further includes shopping platform information corresponding to the target shopping platform;

the step of respectively inquiring the merchant information corresponding to each sub-order in the preset merchant blacklist comprises the following steps:

respectively inquiring joint merchant information corresponding to each sub-order in a preset merchant blacklist, wherein the joint merchant information comprises shopping platform information and merchant information corresponding to the sub-order;

under the condition that merchant information corresponding to a target sub-order exists in the merchant blacklist, determining preferential amounts respectively corresponding to other sub-orders except the target sub-order in the target order based on preferential activity rules aiming at merchants, wherein the method comprises the following steps:

4. A method according to claim 3, wherein said order information further includes an order amount corresponding to said target order, and said sub-order information further includes a sub-order amount;

The step of respectively inquiring the joint merchant information corresponding to each sub-order in the preset merchant blacklist comprises the following steps:

adding the sub-order amounts respectively corresponding to the plurality of sub-orders to obtain a total sub-order amount;

5. The method of claim 1, wherein after determining the respective offers corresponding to the plurality of sub-orders in the target order based on the offer rules for the merchant, the method further comprises:

obtaining preferential information respectively corresponding to the plurality of sub orders, wherein the preferential information comprises the preferential amount;

combining the preferential information corresponding to each sub-order in the plurality of sub-orders with the sub-order information to obtain combined preferential information corresponding to each sub-order;

6. The method of claim 5, wherein prior to conducting payment processing for the target order in accordance with the offer amount, the method further comprises:

Receiving a payment request for the target order;

and responding to the payment request, inquiring and acquiring preferential amounts respectively corresponding to a plurality of sub orders in the target order from the database.

7. The method of claim 5, wherein after payment processing of the target order in accordance with the offer amount, the method further comprises:

generating combined order payment information according to the payment processing result corresponding to the target order and combined preference information corresponding to the multiple sub orders respectively;

and storing the closing payment information to an order data storage system.

8. The method of claim 7, wherein after storing the closing payment information to an order data storage system, the method further comprises:

receiving a bill inquiry request aiming at the target order sent by terminal equipment;

inquiring and acquiring the closing payment information corresponding to the target order from the order data storage system in response to the bill inquiry request, wherein the closing payment information comprises preferential amount and sub-order amount which respectively correspond to a plurality of sub-orders in the target order;

And sending the closing payment information corresponding to the target order to the terminal equipment, so that the terminal equipment determines the sub-order amount after the discount according to the discount amount and the sub-order amount, and displaying the sub-order amount and the sub-order amount after the discount corresponding to the multiple sub-orders to a user.

9. A payment device configured on a paymate, the device comprising:

10. An electronic device, the device 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 as claimed in any one of claims 1 to 8.

11. A computer readable storage medium, characterized in that it has stored thereon computer program instructions which, when executed by a processor, implement the steps of the payment method according to any of claims 1-8.

12. A computer program product, characterized in that instructions in the computer program product, when executed by a processor of an electronic device, cause the electronic device to perform the steps of the payment method according to any of claims 1-8.