CN116739579A

CN116739579A - Payment system, method, device and storage medium

Info

Publication number: CN116739579A
Application number: CN202310744153.6A
Authority: CN
Inventors: 李良斌
Original assignee: Beijing Zhongke Shengzhi Technology Co ltd
Current assignee: Beijing Zhongke Shengzhi Technology Co ltd
Priority date: 2023-06-21
Filing date: 2023-06-21
Publication date: 2023-09-12

Abstract

The application provides a payment system, a payment method, a payment device and a storage medium, and belongs to the technical field of electronic payment. The system comprises: the payment management platform, the first terminal and the second terminal; the first terminal is used for scanning the collection graphic code based on the first payment application so as to send a payment request to the payment management platform; the payment management platform is used for transferring a first quantity of virtual resources from the first resource account to a second resource account based on the payment request, wherein the second resource account is a resource account of a second object on the payment management platform; the second terminal is used for sending a resource extraction request to the payment management platform based on a second payment application; the payment management platform is further configured to transfer a second amount of virtual resources from the second resource account to a third resource account based on the resource extraction request, the third resource account being a resource account of the second object on the second payment application. The system improves the payment efficiency and convenience.

Description

Payment system, method, device and storage medium

Technical Field

The present application relates to the field of electronic payment technologies, and in particular, to a payment system, method, device, and storage medium.

Background

With the development of electronic payment technology, electronic payment is a common payment method in people's life. And more payment applications are used for electronic payment, namely people can realize electronic payment through a plurality of payment modes corresponding to a plurality of payment applications. When people pay electronically, the electronic payment can be realized only by opening the payment mode of the same payment application by both payment parties, so that the convenience of the electronic payment is reduced.

Disclosure of Invention

The embodiment of the application provides a payment system, a payment method, a payment device and a storage medium, which improve the payment efficiency and the payment convenience. The technical scheme is as follows:

in one aspect, there is provided a payment system, the system comprising: the payment management platform, the first terminal and the second terminal;

the first terminal is used for scanning a collection graphic code based on a first payment application to send a payment request to the payment management platform, wherein the payment request carries a first quantity of virtual resources, a resource account of a first object logged in the first terminal on the first payment application and an identification of the collection graphic code, and the collection graphic code is used for paying the virtual resources to a second object;

The payment management platform is used for determining a second resource account corresponding to the identification of the collection graphic code based on the payment request, transferring the first number of virtual resources from a first resource account to the second resource account, wherein the first resource account is a resource account of the first object on the first payment application, and the second resource account is a resource account of the second object on the payment management platform;

the second terminal is configured to send a resource extraction request to the payment management platform based on a second payment application, where the resource extraction request carries a second number of virtual resources and a third resource account, and the third resource account is a resource account of the second object on the second payment application;

the payment management platform is further configured to transfer the second number of virtual resources from the second resource account to the third resource account based on the resource extraction request.

In some embodiments, the first terminal is further configured to scan the collection graphic code based on a third payment application, and display a payment interface of a target payment application, where the payment interface of the target payment application is configured to input the first quantity, the third payment application is a payment application for which the first object does not open a resource account, and the target payment application is a payment application for which a target condition is satisfied from among a plurality of payment applications for which the first object has opened a resource account; or alternatively, the process may be performed,

The first terminal is further used for scanning the collection graphic code based on a third payment application, displaying an application selection interface, wherein a plurality of payment applications are displayed on the application selection interface, and the first terminal is used for responding to the selection operation of the first payment application on the application selection interface, and displaying the payment interface of the first payment application.

In some embodiments, the target payment application is the most frequently used payment application of the plurality of payment applications for which the first object has opened a resource account; or alternatively, the process may be performed,

the target payment application is a payment application corresponding to a resource account with the largest number of virtual resources in a plurality of resource accounts opened by the first object; or alternatively, the process may be performed,

the target payment application is the payment application closest to the current time when the target payment application is used last time in a plurality of payment applications of which the resource accounts are opened by the first object.

In some embodiments, the payment management platform is configured to transfer the first number of virtual resources from the first resource account to a second resource account if the number of virtual resources in the first resource account is not less than the first number;

The payment management platform is configured to transfer the first number of virtual resources from a fourth resource account to the second resource account when the number of virtual resources in the first resource account is smaller than the first number, where the fourth resource account is a plurality of resource accounts that have been opened by the first object, and the number of virtual resources is not smaller than the first number of resource accounts; or alternatively, the process may be performed,

the payment management platform is configured to transfer virtual resources in the first resource account to the second resource account when the number of virtual resources in the first resource account is smaller than the first number, and transfer a third number of virtual resources from a fifth resource account to the second resource account, where the third number is a difference between the first number and the number of virtual resources in the first resource account, and the fifth resource account is a resource account with the number of virtual resources being not smaller than the third number among a plurality of resource accounts that have been opened by the first object.

In some embodiments, the payment management platform is configured to verify the second object based on the resource extraction request, and transfer the second number of virtual resources from the second resource account to the third resource account if the verification passes.

In some embodiments, the payment management platform is configured to transfer the second number of virtual resources from the second resource account to the third resource account if the request timestamp satisfies a reference timestamp and the object information of the second object matches the object information of the second object stored by the payment management platform.

In some embodiments, the payment management platform is further configured to, after transferring the first amount of virtual resources from the first resource account to a second resource account, feed back payment information to the first terminal, where the payment information carries the first amount, the first resource account, and a transfer time of the first amount of virtual resources;

the first terminal is further configured to feed back confirmation information to the payment management platform based on the payment information, where the confirmation information is used to indicate that confirmation of the payment information is completed.

In some embodiments, the payment management platform is configured to generate, after receiving the payment request, a payment channel code for the first payment application based on the first payment application, the first quantity, object information for the first object, object information for the second object, and a timestamp of the payment request;

The payment management platform is used for sending the payment channel code to the first payment application, and the first payment application is used for transferring the first quantity of virtual resources in the first resource account to the second resource account based on the payment channel code.

In some embodiments, the checkout graphic code supports making payments through multiple reference payment applications;

the payment management platform is further configured to reject payment applications with a usage frequency lower than a reference frequency from the plurality of reference payment applications.

In another aspect, there is provided a payment method, the method comprising:

the method comprises the steps that a first terminal scans a collection graphic code based on a first payment application to send a payment request to a payment management platform, wherein the payment request carries a first quantity of virtual resources, a resource account of a first object logged in the first terminal on the first payment application and identification of the collection graphic code, and the collection graphic code is used for paying the virtual resources to a second object;

the payment management platform determines a second resource account corresponding to the identification of the collection graphic code based on the payment request, and transfers the first quantity of virtual resources from a first resource account to the second resource account, wherein the first resource account is a resource account of the first object on the first payment application, and the second resource account is a resource account of the second object on the payment management platform;

The second terminal sends a resource extraction request to the payment management platform based on a second payment application, wherein the resource extraction request carries a second number of virtual resources and a third resource account, and the third resource account is a resource account of the second object on the second payment application;

the payment management platform also transfers the second amount of virtual resources from the second resource account to a third resource account based on the resource extraction request.

In some embodiments, the first terminal further scans the collection graphic code based on a third payment application, displays a payment interface of a target payment application, the payment interface of the target payment application being used for inputting the first quantity, the third payment application being a payment application for which the first object does not open a resource account, the target payment application being a payment application, of a plurality of payment applications for which the first object has opened a resource account, that satisfies a target condition; or alternatively, the process may be performed,

the first terminal also scans the collection graphic code based on a third payment application, displays an application selection interface, displays a plurality of payment applications, and is used for responding to the selection operation of the first payment application on the application selection interface and displaying the payment interface of the first payment application.

In some embodiments, the payment management platform transfers the first number of virtual resources from the first resource account to a second resource account if the number of virtual resources in the first resource account is not less than the first number;

the payment management platform transfers the first number of virtual resources from a fourth resource account to the second resource account under the condition that the number of virtual resources in the first resource account is smaller than the first number, wherein the fourth resource account is a plurality of resource accounts which are opened by the first object, and the number of the virtual resources is not smaller than the first number of resource accounts; or alternatively, the process may be performed,

And under the condition that the number of virtual resources in the first resource account is smaller than the first number, the payment management platform transfers the virtual resources in the first resource account to the second resource account, and transfers a third number of virtual resources from a fifth resource account to the second resource account, wherein the third number is a difference value between the first number and the number of virtual resources in the first resource account, and the fifth resource account is a resource account with the number of virtual resources being not smaller than the third number in a plurality of resource accounts opened by the first object.

In some embodiments, the payment management platform validates the second object based on the resource extraction request, and transfers the second number of virtual resources from the second resource account to the third resource account if the validation passes.

In some embodiments, the resource extraction request further carries a request timestamp and object information of the second object; and the payment management platform transfers the second number of virtual resources from the second resource account to the third resource account under the condition that the request timestamp meets the reference timestamp and the object information of the second object is matched with the object information of the second object stored by the payment management platform.

In some embodiments, after transferring the first amount of virtual resources from the first resource account to a second resource account, the payment management platform further feeds back payment information to the first terminal, the payment information carrying the first amount, the first resource account, and a transfer time of the first amount of virtual resources;

the first terminal also feeds back confirmation information to the payment management platform based on the payment information, wherein the confirmation information is used for indicating that the confirmation of the payment information is completed.

In some embodiments, after receiving the payment request, the payment management platform generates a payment channel code for the first payment application based on the first payment application, the first quantity, object information for the first object, object information for the second object, and a timestamp of the payment request;

the payment management platform sends the payment channel code to the first payment application, which is configured to transfer a first amount of virtual resources in the first resource account to the second resource account based on the payment channel code.

The payment management platform also culls out payment applications of the plurality of reference payment applications that use less frequently than the reference frequency.

In another aspect, a payment method is provided and applied to a first terminal, and the method includes:

scanning a collection graphic code based on a first payment application to send a payment request to a payment management platform, wherein the payment request carries a first quantity of virtual resources, a resource account of a first object logged in the first terminal on the first payment application and an identification of the collection graphic code, and the collection graphic code is used for paying the virtual resources to a second object;

the payment management platform is used for determining a second resource account corresponding to the identification of the collection graphic code based on the payment request, transferring the first number of virtual resources from a first resource account to the second resource account, wherein the first resource account is a resource account of the first object on the first payment application, and the second resource account is a resource account of the second object on the payment management platform.

In another aspect, a payment method is provided, applied to a payment management platform, the method including:

Receiving a payment request sent by a first terminal, wherein the payment request is triggered based on a first payment application scanning collection graphic code, the payment request carries a first quantity of virtual resources, a resource account of a first object logged in the first terminal on the first payment application and an identification of the collection graphic code, and the collection graphic code is used for paying the virtual resources to a second object;

determining a second resource account corresponding to the identification of the collection graphic code based on the payment request, and transferring the first number of virtual resources from a first resource account to the second resource account, wherein the first resource account is a resource account of the first object on the first payment application, and the second resource account is a resource account of the second object on the payment management platform;

receiving a resource extraction request sent by a second terminal, wherein the resource extraction request is triggered based on a second payment application, and the resource extraction request carries a second number of virtual resources and a third resource account, and the third resource account is a resource account of the second object on the second payment application;

transferring the second number of virtual resources from the second resource account to the third resource account based on the resource extraction request.

In another aspect, a payment method is provided and applied to a second terminal, and the method includes:

and sending a resource extraction request to a payment management platform based on a second payment application, wherein the resource extraction request carries a second number of virtual resources and a third resource account, the third resource account is a resource account of the second object on the second payment application, the payment management platform is used for transferring the second number of virtual resources from the second resource account to the third resource account based on the resource extraction request, and the second resource account is a resource account of the second object on the payment management platform.

In another aspect, a computer device is provided that includes one or more processors and one or more memories having stored therein at least one piece of program code that is loaded and executed by the one or more processors to implement the payment method of any of the implementations described above.

In another aspect, a computer readable storage medium having at least one program code stored therein is provided, the at least one program code loaded and executed by a processor to implement a payment method as described in any of the above implementations.

In another aspect, a computer program product is provided, the computer program product comprising computer program code, the computer program code being stored in a computer readable storage medium, the computer program code being read from the computer readable storage medium by a processor of a computer device, the processor executing the computer program code causing the computer device to perform the payment method of any one of the implementations described above.

The embodiment of the application provides a payment system, wherein a first object for paying virtual resources can scan a collection graphic code through a payment application of an opened resource account, so that the virtual resources in the resource account can be transferred to the resource account of a second object of the paid virtual resources on a payment management platform; and the second object is able to extract virtual resources from its resource account on the payment management platform through its payment application that has opened the resource account. The system realizes decoupling of the payment application of the first object opened resource account and the payment application of the second object opened resource account, namely the first object does not need to download the payment application of the second object opened resource account, does not need to open the second object opened resource account, and can realize the payment of the virtual resource to the second object only through the payment application of the first object opened resource account, thereby improving the payment efficiency and convenience.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for the description of the embodiments will be briefly described below, and it is apparent that the drawings in the following description are only some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

FIG. 1 is a schematic diagram of a payment system provided by an embodiment of the present application;

FIG. 2 is a schematic diagram of another payment system provided by an embodiment of the present application;

FIG. 3 is a functional schematic of a payment system according to an embodiment of the present application;

FIG. 4 is a flow chart of a payment method provided by an embodiment of the present application;

FIG. 5 is a flow chart of another payment method provided by an embodiment of the present application;

fig. 6 is a block diagram of a terminal according to an embodiment of the present application;

fig. 7 is a block diagram of a server according to an embodiment of the present application.

Detailed Description

For the purpose of making the objects, technical solutions and advantages of the present application more apparent, the embodiments of the present application will be described in further detail with reference to the accompanying drawings.

The terms "first," "second," "third," and "fourth" and the like in the description and in the claims and drawings are used for distinguishing between different objects and not necessarily for describing a particular sequential or chronological order. Furthermore, the terms "comprising," "including," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those listed steps or elements but may alternatively include other steps or elements not listed or inherent to such process, method, article, or apparatus.

It should be noted that, the information (including but not limited to user equipment information, user personal information, etc.), data (including but not limited to data for analysis, stored data, presented data, etc.), and signals related to the present application are all authorized by the user or are fully authorized by the parties, and the collection, use, and processing of the related data is required to comply with the relevant laws and regulations and standards of the relevant countries and regions. For example, the resource account, object information, etc. involved in the present application are acquired with sufficient authorization.

An embodiment of the present application provides a payment system, referring to fig. 1, the system includes: and the payment management platform comprises a first terminal and a second terminal. The first terminal and the second terminal are respectively connected with the payment management platform in a wired or wireless communication mode directly or indirectly.

The first terminal is used for scanning a collection graphic code based on the first payment application to send a payment request to the payment management platform, wherein the payment request carries a first quantity of virtual resources, a resource account of a first object logged in the first terminal on the first payment application and identification of the collection graphic code, and the collection graphic code is used for paying the virtual resources to a second object.

In some embodiments, the checkout graphic code supports a payment manner for a plurality of payment applications; accordingly, the first payment application is any one of a plurality of payment applications of which the first object has opened a resource account, and the payment modes of the plurality of payment applications are payment modes supported by the collection graphic code. The collection graphic code can be a two-dimensional code or a bar code, etc. The collection graphic code can be an off-line collection graphic code or an on-line collection graphic code; the collection graphic code can be a one-time collection graphic code or a collection graphic code which is repeatedly used for a plurality of times; the collection graphic code may be a collection graphic code carrying the number of virtual resources, or may be a collection graphic code not carrying the number of virtual resources, which is not particularly limited herein.

In an embodiment of the application, the payment request is for requesting payment of the first amount of the virtual resource to the second object. Optionally, if the collection graphic code does not carry the first quantity, the first terminal responds to scanning the collection graphic code based on the first payment application, and displays a payment interface of the first payment application, wherein the payment interface of the first payment application is used for inputting the first quantity, and the first terminal responds to the input operation of the first quantity on the payment interface of the first payment application and sends a payment request to the payment management platform. If the collection graphic code carries the first quantity, a payment request can be sent to the payment management platform without inputting the first quantity. Optionally, the first terminal obtains the identity of the checkout graphic code after scanning the checkout graphic code based on the first payment application.

In the embodiment of the application, the first object is an object for paying for the virtual resource, and the second object is an object for the paid virtual resource. A first resource account of a first object logged into the first terminal on the first payment application is used to store virtual resources of the first object.

The payment management platform is used for determining a second resource account corresponding to the identification of the collection graphic code based on the payment request, transferring a first number of virtual resources from the first resource account to the second resource account, wherein the first resource account is a resource account of a first object on a first payment application, and the second resource account is a resource account of a second object on the payment management platform.

In the embodiment of the application, the second resource account is used for storing the virtual resource of the second object.

The second terminal is used for sending a resource extraction request to the payment management platform based on the second payment application, wherein the resource extraction request carries a second number of virtual resources and a third resource account, and the third resource account is a resource account of a second object on the second payment application.

In an embodiment of the present application, the resource extraction request is used to request extraction of a second number of virtual resources in the second resource account. The third resource account is used for storing virtual resources of a second object logged in the second terminal.

In the embodiment of the present application, the second number may be the same as the first number or may be different from the first number. In the case where the second number is different from the first number, the second number may be larger than the first number, and the second number may be smaller than the second number. For example, the second number may be a sum of a plurality of the first numbers, and the second number may be a partial number of the first numbers, which is not particularly limited herein.

The payment management platform is further used for transferring the second quantity of virtual resources from the second resource account to the third resource account based on the resource extraction request.

In some embodiments, the checkout graphic is a checkout graphic issued by the payment management platform to the second object for transferring virtual resources for a resource account of the second object on the payment management platform. Optionally, when the payment management platform issues the collection graphic code for the second object, a second resource account of the second object on the payment management platform is synchronously established based on object information of the second object, and the second resource account of the second object on the payment management platform is associated with the collection graphic code, so that when the first object pays the virtual resource to the second object, the second resource account of the second object on the payment management platform can be determined by scanning the collection graphic code, and further virtual resources can be transferred to the second resource account of the second object on the payment management platform.

In some embodiments, when the payment management platform creates the collection graphic code for the second object, the platform code exclusive to the second object on the payment management platform is generated according to the object information of the second object, the platform code has uniqueness, is associated with the second object, is identification information of the second object on the payment management platform, and is associated with the collection graphic code. Accordingly, the payment management platform determines a platform code of a second object associated therewith based on the identification of the checkout graphic code in the payment request, and determines a second resource account of the second object based on the platform code of the second object. Optionally, the object information of the second object includes at least one of name information, identity information, biometric information, contact information, and the like of the second object.

In the embodiment of the application, the first terminal may scan the collection graphic code based on the payment application of the opened resource account, or may scan the collection graphic code based on the payment application of the unopened resource account, which may cause payment failure; accordingly, to increase the likelihood of successful payment, in some embodiments, the first terminal is further configured to scan the collection graphic code based on a third payment application, display a payment interface of a target payment application, where the payment interface of the target payment application is configured to input the first quantity, the third payment application is a payment application for which the first object does not open a resource account, and the target payment application is a payment application for which a target condition is satisfied from among a plurality of payment applications for which the first object has opened the resource account; or the first terminal is further used for displaying an application selection interface based on the third payment application scanning collection graphic code, the application selection interface displays a plurality of payment applications, and the first terminal is used for responding to the selection operation of the first payment application on the application selection interface and displaying the payment interface of the first payment application.

In the embodiment, under the condition that the payment application scanning the collection graphic code is the payment application not opening the resource account, the payment application jumping to the payment application opening the resource account carries out the payment, the tedious process of exiting the third payment application and scanning the collection graphic code by other payment applications is avoided, the payment efficiency and flexibility are improved, and the probability of successful payment is further improved. And under the condition that the payment application of the scanning collection graphic code is the payment application without opening the resource account, displaying an application selection interface, so that the first object can freely select the payment application to pay, and the payment flexibility is further improved.

In the embodiment of the application, the process of acquiring the payment application of the resource account opened by the first object by the payment management platform comprises the following implementation modes. In one implementation, when a first terminal scans any collection graphic code issued by the payment management platform based on a first payment application of an opened resource account or a third payment application of an unopened resource account of a first object, the payment management platform sends authorization information to the first terminal, the authorization information is used for requesting permission to acquire the payment application of the opened resource account of the first object, and the payment management platform acquires the payment application of the opened resource account of the first object based on confirmation information, which is fed back by the first terminal, aiming at the authorization information. Optionally, the payment management platform obtains object information of the first object based on the payment application scanning the collection graphic code, and further queries whether the first object has opened a resource account on the plurality of payment applications based on the object information of the first object. Wherein the payment management platform performs a query on the plurality of payment applications for authorization of the plurality of payment applications. According to the implementation mode, whether the first object has the opened resource account or not is inquired on the plurality of payment applications, so that the accuracy of acquiring the payment applications of the opened resource account is improved.

In another implementation manner, when the first terminal scans any collection graphic code issued by the payment management platform based on a first payment application of an opened resource account or a third payment application of an unopened resource account of a first object, the payment management platform sends application confirmation information to the first terminal, and the first terminal displays a plurality of payment applications and prompt information based on the application confirmation information, wherein the prompt information is used for prompting a user to confirm the selection of the payment application of the opened resource account, so that the payment management platform obtains the payment application of the opened resource account of the first object. According to the implementation mode, the payment application of the opened resource account is input through the first object, the process that the payment management platform queries from a plurality of payment applications respectively is avoided, and the efficiency of acquiring the payment application of the opened resource account of the first object is improved.

In another implementation, the payment management platform uses the payment application of the first terminal for which payment is performed through the collection graphic code as the payment application of the first object with the resource account opened. In the implementation mode, input of payment applications and inquiry of a plurality of payment applications are not needed, and resource consumption is reduced.

Optionally, the target payment application is the payment application with the highest use frequency in the plurality of payment applications of which the resource accounts are opened by the first object; or the target payment application is a payment application corresponding to a resource account with the largest number of virtual resources in a plurality of resource accounts opened by the first object; or the target payment application is the payment application closest to the current time when the last time is used in a plurality of payment applications of which the first object has opened a resource account.

In the embodiment of the application, the payment application with the highest use frequency is selected from the plurality of payment applications, so that the determined payment application is likely to be the payment application which the first object wants to use, and the accuracy of the determined target payment application is improved. In the embodiment of the application, since the payment application which is used by the first object recently can be used later, the accuracy of the determined target payment application is improved by selecting one payment application which is used recently from a plurality of payment applications. In the embodiment of the application, the virtual resources in the resource account with the largest virtual resource quantity can meet the payment of the first quantity of virtual resources, so that the payment application corresponding to the resource account with the largest virtual resource quantity is selected from a plurality of payment applications, and the probability of successful payment is improved.

In some embodiments, the plurality of payment applications displayed by the application selection interface are a plurality of payment applications of the resource account opened by the first object, and the plurality of payment applications may be sequentially arranged according to the number of virtual resources in the resource account, may be sequentially arranged according to the frequency of use of the plurality of payment applications, or may be sequentially arranged according to the time sequence of last use of the plurality of payment applications; accordingly, the order of payment applications is positively related to the number of virtual resources, the frequency of use, or the time of last use, i.e., the greater the number, the higher the frequency of use, the earlier the time of last use, the earlier the order of payment applications. In this embodiment, only the plurality of payment applications of the resource account that the first object has opened are displayed, so that the payment application selected by the first object is a payment application capable of realizing payment, and the probability of successful payment is improved.

In other embodiments, the plurality of applications displayed by the application selection interface includes not only a plurality of payment applications for which the first object has opened a resource account, but also a plurality of payment applications for which the first object has not opened a resource account. Optionally, the plurality of payment applications for which the first object has opened a resource account are ordered before the plurality of payment applications for which the first object has not opened a resource account. Because the application selection interface is not limited to the payment application for displaying the opened resource account, the inquiry process of the payment management platform to the plurality of payment applications of the first object opened resource account is avoided, the operation pressure of the payment management platform is reduced, and the efficiency of displaying the application selection interface is improved.

In the embodiment of the application, the number of the virtual resources in the first resource account may or may not meet the number of payments. Accordingly, the payment management platform is configured to transfer the first number of virtual resources from the first resource account to the second resource account when the number of virtual resources in the first resource account is not less than the first number.

The payment management platform is used for transferring the first number of virtual resources from a fourth resource account to a second resource account under the condition that the number of the virtual resources in the first resource account is smaller than the first number, wherein the fourth resource account is a plurality of resource accounts opened by the first object, and the number of the virtual resources is not smaller than the first number of the resource accounts. Or the payment management platform is used for transferring the virtual resources in the first resource account to the second resource account under the condition that the number of the virtual resources in the first resource account is smaller than the first number, transferring the virtual resources in the third number from the fifth resource account to the second resource account, wherein the third number is the difference value between the first number and the number of the virtual resources in the first resource account, and the fifth resource account is a plurality of resource accounts which are opened by the first object, and the number of the virtual resources is not smaller than the third number.

In this embodiment, in the case that the number of virtual resources in the first resource account satisfies the first number, the virtual resources are directly transferred from the first resource account, so that payment efficiency is improved. Under the condition that the virtual resources in the first resource account do not meet the first quantity, transferring the virtual resources from the fourth resource account meeting the first quantity improves the payment efficiency and the probability of successful payment. Under the condition that the virtual resources in the first resource account do not meet the first quantity, after the virtual resources in the first resource account are transferred, payment is completed through the virtual resources in other resource accounts, and further on the premise that the virtual resources in the resource account selected based on the first object are paid, the payment efficiency and the payment success probability are improved.

It should be noted that, before the payment management platform obtains the number of virtual resources in the plurality of resource accounts, the authorization of the first object is obtained, and the process is the same as the authorization process of the payment application for obtaining the resource accounts opened by the first object, which is not described herein. Correspondingly, under the condition that the number of virtual resources in the first resource account is smaller than the first number, the payment management platform sends a resource number query request carrying object information of the first object to a plurality of payment applications of the first object opened resource account so as to acquire the number of the virtual resources in the plurality of resource accounts opened by the first object.

In other embodiments, in the case that the number of virtual resources in the first resource account is smaller than the first number, the payment management platform may further transfer the virtual resources from the resource account selected by the first object based on the resource account selected by the first object, which is not specifically limited herein. The payment is made based on the resource account selected by the first object, the willingness of the first object is met, and the authorized permission process of the first object is avoided.

In some embodiments, if the number of virtual resources is not less than the first number of fourth resource accounts, the payment management platform transfers the virtual resources from the resource account with the largest number of virtual resources in the fourth resource accounts; or the payment management platform transfers the virtual resource from the resource account which is used last time in the fourth resource accounts; or the payment management platform transfers the virtual resource from the resource account with highest use frequency in the fourth resource accounts. Accordingly, if the number of the virtual resources is not less than the third number of the resource accounts, the process of selecting one resource account from the plurality of fifth resource accounts by the payment management platform is the same as the process of selecting one resource account from the plurality of fourth resource accounts, which is not described herein.

In some embodiments, when the virtual resource is extracted, the payment management platform is configured to verify the second object based on the resource extraction request, and transfer the second number of virtual resources from the second resource account to the third resource account when the verification is passed, so as to ensure security of extracting the virtual resource. Optionally, the resource extraction request further carries a request timestamp and object information of the second object; accordingly, the payment management platform is configured to transfer the second number of virtual resources from the second resource account to the third resource account when the request timestamp satisfies the reference timestamp and the object information of the second object matches the object information of the second object stored by the payment management platform.

The request timestamp may be a time when the second terminal sends the resource extraction request, so that the second object is allowed to extract the virtual resource after reaching the reference timestamp. The request time stamp can also be the time when the payment management platform receives the resource extraction request, and the time when the resource extraction request is received is closer to the actual transfer time of the virtual resource, so that the actual transfer time of the virtual resource is satisfied with the reference time stamp, and the actual limiting effect of the reference time stamp is improved.

In some embodiments, the reference timestamp may be a fixed period of time in the day that allows virtual resources to be extracted, such as 8 points to 20 points in the day. In other embodiments, virtual resources transferred to the second resource account need to be stored in the second resource account for a reference period of time before being allowed to be withdrawn into the third resource account; accordingly, the reference timestamp is a sum of a time when the second number of virtual resources is transferred to the second resource account and a reference duration. In other embodiments, if the second number of virtual resources is used for purchasing the item online, the reference timestamp may be a confirmation receipt time of the item, that is, the second object is allowed to extract the virtual resources after the first object confirms receipt, so as to implement supervision of the virtual resources by the payment management platform.

Optionally, the object information of the second object includes at least one of name information, identity information, biometric information, contact information, and the like of the second object, and further includes a third resource account, and the like, so as to facilitate extraction of the virtual resource into the third resource account.

In the embodiment of the application, the second number of virtual resources are transferred to the third resource account of the second object, which indicates that the resource extraction process is completed. In this embodiment, the second object is verified when the virtual resource is extracted based on the reference timestamp and the object information, so that the security of extracting the virtual resource is ensured based on the supervision function of the payment management platform.

In the embodiment of the present application, the reference timestamp is taken as an example when the request timestamp satisfies the reference timestamp, and in other embodiments, only if the object information of the second object carried by the resource extraction request matches with the object information of the second object stored in the payment management platform, the second number of virtual resources may be transferred from the second resource account to the third resource account, that is, the time for extracting the virtual resources in the second resource account by the second object is not limited.

In some embodiments, the payment management platform monitors, extracts and verifies virtual resources entering the resource account on the payment management platform through the monitoring unit, and the like, so that the specificity of resource monitoring is ensured.

In some embodiments, the payment management platform is further configured to, after transferring the first number of virtual resources from the first resource account to the second resource account, feed back payment information to the first terminal, where the payment information carries the first number, the first resource account, and a transfer time of the first number of virtual resources; the first terminal is further used for feeding back confirmation information to the payment management platform based on the payment information, wherein the confirmation information is used for indicating that confirmation of the payment information is completed.

Wherein the object information of the first object includes account information, name information, etc. of the first object on the first payment application. Optionally, the payment information may further include object information of the second object, such as the payment information includes name information of the second object, and so on, so as to indicate the second object of the paid virtual resource.

In the embodiment of the application, after the payment management platform receives the confirmation information, the payment process is completed. In the embodiment, the payment information is fed back to the first object, so that the first object can confirm the payment information, and the accuracy of the payment virtual resource and the integrity of the flow are ensured.

In some embodiments, if the first object does not acknowledge the payment information in time, the payment management platform is required to further monitor the first number of virtual resources. Accordingly, if the first object does not complete the confirmation of the payment information within the reference time, the payment management platform monitors the first number of virtual resources, and the monitoring period can be set according to the payment management platform and the second object in a self-defined manner, that is, the second object is allowed to extract the first number of virtual resources from the second resource account after the monitoring period. In this embodiment, in the case that the first object is not confirmed in time, the management of the virtual resource is performed on the payment management platform, and the virtual resource is allowed to be extracted after a period of time, so that the effective rights of the second object to extract the virtual resource are ensured under the condition that the security of the virtual resource of the first object is ensured.

In some embodiments, the payment management platform is configured to generate, after receiving the payment request, a payment channel code for the first payment application based on the first payment application, the first quantity, the object information of the first object, the object information of the second object, and the timestamp of the payment request; and the payment management platform is used for sending the payment channel code to a first payment application, and the first payment application is used for transferring the first quantity of virtual resources in the first resource account to the second resource account based on the payment channel code. In the embodiment, when the payment is carried out, the payment is completed through the payment channel code randomly generated by the payment management platform based on various information, so that the payment safety is improved.

Wherein the payment channel code is used to describe a payment event for the first object to pay the virtual resource to the second object and to uniquely identify the payment event. The object information of the first object is used for identifying the first object, and optionally, the object information of the first object is name information or account information of the first object on the first payment application, etc.; thereby facilitating the first payment application to determine the first resource account of the first object on the first payment application based on the object information of the first object. The object information of the second object may be a second resource account of the second object on the payment management platform, so as to facilitate transferring the virtual resource into the second resource account. The time stamp of the payment request is the sending time of the payment request, and the time stamp of the payment request is used for recording the time of the payment request. Optionally, the timestamp of the payment request is further used to determine whether the payment request is stale, if the time difference between the current time and the timestamp of the payment request is greater than a reference time difference, then the payment request is determined to be stale. The payment request carries an identification of the collection graphic code, and the collection graphic code is associated with the second resource account of the second object, so that the payment management platform can determine the second resource account of the second object based on the payment request.

In this embodiment, when the first terminal scans the payment receiving graphic code based on the first payment software, the payment management platform receives the payment request, generates a dedicated payment channel code based on the first payment application scanning the payment receiving graphic code, jumps to a payment interface of the first payment application, and the first payment application completes payment according to the payment channel code, and the virtual resource after payment enters the supervision unit through the payment management platform so as to conduct supervision of the virtual resource through the supervision unit. And after the first payment application pays the virtual resources, feeding back the first quantity of the paid virtual resources to the payment management platform according to the payment channel codes, so as to form an effective closed-loop payment process.

In an embodiment of the application, the first payment application may transfer the virtual resource from its own first resource account. In other embodiments, the virtual resource may also be transferred from a secondary resource account that provides the virtual resource for the first resource account. Optionally, the first payment application sends resource request information to a resource platform for establishing the auxiliary resource account, the resource request information carries the auxiliary resource account and the second resource account, and the resource platform transfers the first number of virtual resources from the auxiliary resource account to the second resource account based on the resource request information.

For example, referring to fig. 2, fig. 2 is a schematic diagram of a payment system according to an embodiment of the present application. The system comprises a payment management platform, a first terminal, a second terminal and a resource platform. The payment management platform is used for generating platform codes of the second object on the payment management platform and generating payment channel codes for a plurality of payment applications respectively, so that the first object can finish payment based on the payment applications. Optionally, the payment management platform may also generate a platform code for the resource platform on the payment management platform to identify the resource platform. When the virtual resource of the first object is transferred to a second resource account on the payment management platform, the supervision unit on the payment management platform supervises the transferred virtual resource, and when the second object extracts the virtual resource in the second resource account, the supervision unit is verified to pass and then allows the virtual resource to be extracted into a third resource account of the second object. The third resource account may also be a resource account on the resource platform.

In some embodiments, the checkout graphic code supports making payments through multiple reference payment applications; the payment management platform is further used for eliminating payment applications with the use frequency lower than the reference frequency in the plurality of reference payment applications. In the embodiment of the application, the use frequency of the payment application is lower than the reference frequency, which means that the use frequency of the payment application is less or not used, and the operation pressure of the payment management platform can be reduced by deleting the payment application.

In some embodiments, after completing one payment based on the collection graphic code, the payment management platform determines a frequency of use of the plurality of reference payment applications at one time, and then culls out payment applications of the plurality of reference payment applications having a frequency of use lower than the reference frequency. In other embodiments, the payment management platform periodically rejects the payment applications once, that is, after a period of time, determines the usage frequency of the plurality of reference payment applications once, and rejects the payment applications with usage frequencies lower than the reference frequency in the plurality of reference payment applications, which is not specifically limited herein.

In the embodiment of the application, in the process that the first object pays the virtual resource to the second object, the second terminal also provides functions of order confirmation, resource collection confirmation, resource extraction confirmation and the like. When the first object pays through the first terminal, a corresponding order is generated, and the second terminal displays an order confirmation interface so that the second object confirms the order; when the first object pays for the virtual resource, the second terminal displays a confirmation interface for receiving the resource, so that the second object confirms the received virtual resource; and when the second object extracts the virtual resource, the second terminal displays a confirmation interface of the extracted resource so that the second object confirms the extracted virtual resource. The first terminal also provides functions such as order confirmation, payment resource confirmation, deduction resource confirmation and the like. When the first object pays through the first terminal, a corresponding order is generated, and the first terminal displays an order confirmation interface so that the first object confirms the order; before the first object pays the virtual resource, the first terminal displays a confirming interface of the payed resource so that the first object confirms the virtual resource to be paid; and after the first object finishes paying, the first terminal displays a confirmation interface for deducting the resources so as to ensure that the first object confirms the paid virtual resources. The supervision unit of the payment management platform provides the functions of resource confirmation, resource transfer confirmation and the like. When the first object pays the virtual resources to the second object, the supervision unit confirms whether the number of the virtual resources paid by the first object is the same as the number of the virtual resources which the second object should collect; when the first object pays the virtual resource to the second object, transferring the virtual resource in the first resource account to the second resource account; and when the second object extracts the virtual resource, verifying the second object, and transferring the virtual resource in the second resource account to the third resource account after the verification is passed. For example, referring to fig. 3, fig. 3 is a functional schematic of a payment system according to an embodiment of the present application. The payment management platform is respectively connected and communicated with the first terminal, the second terminal and the supervision unit, and the first terminal, the second terminal and the supervision unit respectively provide a plurality of functions.

In the embodiment of the application, after the virtual resources in the resource accounts on the plurality of payment applications are transferred to the resource accounts on the payment management platform, the supervision and verification of the virtual resources are carried out through the supervision unit, so that both parties of the transaction can conveniently and clearly determine the flow of the virtual resources and the quantity verification of the virtual resources, and the problem that the virtual resources cannot be recovered is solved.

In the embodiment of the application, the collection graphic codes aggregate a plurality of payment modes, namely the payment system provided by the embodiment of the application realizes the unified payment problem of different payment applications through a single collection graphic code, so that the payment of a plurality of payment applications can be completed through the same collection graphic code, the problem that the single collection graphic code can only use the matched payment application to carry out code scanning payment is solved, the problem that the payment graphic codes cannot be coordinated among different payment applications is solved, and the payment convenience is improved.

According to the payment system provided by the embodiment of the application, the first object for paying the virtual resource can scan the collection graphic code through the payment application of the opened resource account, so that the virtual resource in the resource account can be transferred to the resource account of the second object of the paid virtual resource on the payment management platform; the second object can extract virtual resources from the resource accounts on the payment management platform through the payment application of the opened resource accounts; the system realizes decoupling of the payment application of the first object opened resource account and the payment application of the second object opened resource account, namely the first object does not need to download the payment application of the second object opened resource account, does not need to open the second object opened resource account, and can realize the payment of the virtual resource to the second object only through the first object opened resource account, thereby improving the payment efficiency and convenience. And when the second object extracts the virtual resource, the payment application of the first object for paying the virtual resource does not need to be downloaded, and the resource account on the payment application does not need to be opened, namely, the virtual resource can be extracted only through the resource account which is opened by the second object, so that the efficiency and convenience for extracting the virtual resource are improved.

The embodiment of the application also provides a payment method, which is illustrated by taking interaction among the payment management platform, the first terminal and the second terminal as an example. Referring to fig. 4, the method includes the steps of:

401. the first terminal scans a collection graphic code based on the first payment application to send a payment request to the payment management platform, the payment request carrying a first number of virtual resources, a resource account of a first object logged in the first terminal on the first payment application, and an identification of the collection graphic code, the collection graphic code being used to pay the virtual resources to the second object.

402. The payment management platform determines a second resource account corresponding to the identification of the collection graphic code based on the payment request, transfers a first number of virtual resources from the first resource account to the second resource account, wherein the first resource account is a resource account of a first object on a first payment application, and the second resource account is a resource account of a second object on the payment management platform.

403. The second terminal sends a resource extraction request to the payment management platform based on the second payment application, wherein the resource extraction request carries a second number of virtual resources and a third resource account, and the third resource account is a resource account of the second object on the second payment application.

404. The payment management platform also transfers a second amount of virtual resources from the second resource account to the third resource account based on the resource extraction request.

In some embodiments, the first terminal further scans a collection graphic code based on a third payment application, displays a payment interface of a target payment application, the payment interface of the target payment application is used for inputting the first quantity, the third payment application is a payment application of which the first object does not open a resource account, and the target payment application is a payment application which satisfies a target condition among a plurality of payment applications of which the first object has opened the resource account; or alternatively, the process may be performed,

the first terminal also scans a collection graphic code based on the third payment application, displays an application selection interface, the application selection interface displaying a plurality of payment applications, and the first terminal is used for responding to the selection operation of the first payment application on the application selection interface and displaying the payment interface of the first payment application.

The target payment application is the payment application closest to the current time when the last time is used in a plurality of payment applications of which the first object has opened a resource account.

In some embodiments, the payment management platform transfers the first number of virtual resources from the first resource account to the second resource account if the number of virtual resources in the first resource account is not less than the first number;

transferring the first quantity of virtual resources from a fourth resource account to a second resource account under the condition that the quantity of the virtual resources in the first resource account is smaller than the first quantity, wherein the fourth resource account is a plurality of resource accounts opened by a first object, and the quantity of the virtual resources is not smaller than the first quantity of the resource accounts; or alternatively, the process may be performed,

and under the condition that the number of virtual resources in the first resource account is smaller than the first number, the payment management platform transfers the virtual resources in the first resource account to the second resource account, transfers the virtual resources with a third number from the fifth resource account to the second resource account, wherein the third number is the difference value between the first number and the number of the virtual resources in the first resource account, and the fifth resource account is a plurality of resource accounts opened by the first object, and the number of the virtual resources is not smaller than the third number.

In some embodiments, the payment management platform validates the second object based on the resource extraction request, and transfers a second amount of virtual resources from the second resource account to the third resource account if the validation passes.

In some embodiments, the resource extraction request also carries a request timestamp and object information of the second object; and the payment management platform transfers the second number of virtual resources from the second resource account to the third resource account under the condition that the request timestamp meets the reference timestamp and the object information of the second object is matched with the object information of the second object stored by the payment management platform.

In some embodiments, after transferring the first number of virtual resources from the first resource account to the second resource account, the payment management platform further feeds back payment information to the first terminal, where the payment information carries the first number, the first resource account, and a transfer time of the first number of virtual resources;

In some embodiments, after receiving the payment request, the payment management platform generates a payment channel code for the first payment application based on the first payment application, the first quantity, the object information for the first object, the object information for the second object, and the timestamp of the payment request;

The payment management platform sends a payment channel code to a first payment application, the first payment application being configured to transfer a first amount of virtual resources in a first resource account to a second resource account based on the payment channel code.

The embodiment of the application provides a payment method, wherein a first object for paying virtual resources can scan a collection graphic code through a payment application of an opened resource account, so that the virtual resources in the resource account can be transferred to a resource account of a second object of the paid virtual resources on a payment management platform; and the second object can extract virtual resources from the resource accounts on the payment management platform through the payment application of the opened resource accounts; therefore, decoupling of the payment application of the first object opened resource account and the payment application of the second object opened resource account is achieved, namely, the first object does not need to download the payment application of the second object opened resource account, does not need to open the second object opened resource account, and can pay virtual resources to the second object only through the first object opened resource account, so that payment efficiency and convenience are improved.

In some embodiments, there is also provided a payment method using the first terminal as an execution subject, the method including: the first terminal scans a collection graphic code based on the first payment application to send a payment request to the payment management platform, the payment request carrying a first number of virtual resources, a resource account of a first object logged in the first terminal on the first payment application, and an identification of the collection graphic code, the collection graphic code being used to pay the virtual resources to the second object. The payment management platform is used for determining a second resource account corresponding to the identification of the collection graphic code based on the payment request, transferring a first number of virtual resources from the first resource account to the second resource account, wherein the first resource account is a resource account of a first object on a first payment application, and the second resource account is a resource account of a second object on the payment management platform. In the embodiment, the first object for paying the virtual resource can scan the collection graphic code through the payment application of the opened resource account, so that the virtual resource in the resource account is transferred to the resource account of the second object of the paid virtual resource on the payment management platform, and the payment efficiency and convenience are improved.

In other embodiments, there is also provided a payment method using the second terminal as an execution subject, the method including: the second terminal sends a resource extraction request to the payment management platform based on the second payment application, wherein the resource extraction request carries a second number of virtual resources and a third resource account, the third resource account is a resource account of a second object on the second payment application, and the payment management platform is used for transferring the second number of virtual resources from the second resource account to the third resource account based on the resource extraction request. In this embodiment, the second object can extract the virtual resource from its resource account on the payment management platform through the payment application of the resource account already opened by the second object, without extracting the virtual resource based on the same payment application as the resource account already opened by the first object, which improves the efficiency and convenience of extracting the virtual resource.

It should be noted that, any payment method provided by the embodiment of the present application belongs to the same concept as the embodiment of the payment system, and the specific process is detailed in the embodiment of the payment system, which is not described herein.

The embodiment of the application also provides a flow chart of another payment method, which takes the payment management platform as an execution subject and participates in FIG. 5, and the method comprises the following steps.

501. The payment management platform receives a payment request sent by a first terminal, the payment request is triggered based on a first payment application scanning collection graphic code, the payment request carries a first quantity of virtual resources, a resource account of a first object logged in the first terminal on the first payment application and identification of the collection graphic code, and the collection graphic code is used for paying the virtual resources to a second object.

502. The payment management platform determines a second resource account corresponding to the identification of the collection graphic code based on the payment request, transfers a first number of virtual resources from the first resource account to the second resource account, wherein the first resource account is a resource account of a first object on a first payment application, and the second resource account is a resource account of a second object on the payment management platform.

503. The payment management platform receives a resource extraction request sent by a second terminal, the resource extraction request is triggered based on a second payment application, the resource extraction request carries a second number of virtual resources and a third resource account, and the third resource account is a resource account of a second object on the second payment application.

504. The payment management platform transfers a second amount of virtual resources from the second resource account to the third resource account based on the resource extraction request.

It should be noted that, the payment method provided by the embodiment of the present application and the embodiment of the payment system are the same conception, and the specific process is detailed in the embodiment of the payment system, and will not be described herein.

In the embodiment of the application, the computer device comprises at least one of a first terminal, a second terminal and a payment management platform, and the first terminal and the second terminal can be at least one of a smart phone, a smart watch, a desktop computer, a portable computer, a virtual reality terminal, an augmented reality terminal, a wireless terminal, a laptop portable computer and the like. Fig. 6 shows a block diagram of a terminal 600 according to an exemplary embodiment of the present application. The terminal 600 may be a portable mobile terminal such as: a smart phone, a tablet computer, an MP3 player (Moving Picture Experts Group Audio Layer III, motion picture expert compression standard audio plane 3), an MP4 (Moving Picture Experts Group Audio Layer IV, motion picture expert compression standard audio plane 4) player, a notebook computer, or a desktop computer. Terminal 600 may also be referred to by other names of user devices, portable terminals, laptop terminals, desktop terminals, etc.

In general, the terminal 600 includes: a processor 601 and a memory 602.

Processor 601 may include one or more processing cores, such as a 4-core processor, an 8-core processor, and the like. The processor 601 may be implemented in at least one hardware form of DSP (Digital Signal Processing ), FPGA (Field-Programmable Gate Array, field programmable gate array), PLA (Programmable Logic Array ). The processor 601 may also include a main processor, which is a processor for processing data in an awake state, also called a CPU (Central Processing Unit ), and a coprocessor; a coprocessor is a low-power processor for processing data in a standby state. In some embodiments, the processor 601 may be integrated with a GPU (Graphics Processing Unit, image processor) for taking care of rendering and rendering of content that the display screen is required to display. In some embodiments, the processor 601 may also include an AI (Artificial Intelligence ) processor for processing computing operations related to machine learning.

The memory 602 may include one or more computer-readable storage media, which may be non-transitory. The memory 602 may also include high-speed random access memory, as well as non-volatile memory, such as one or more magnetic disk storage devices, flash memory storage devices. In some embodiments, a non-transitory computer readable storage medium in memory 602 is used to store at least one program code for execution by processor 601 to implement the payment method provided by the method embodiments of the present application.

In some embodiments, the terminal 600 may further optionally include: a peripheral interface 603, and at least one peripheral. The processor 601, memory 602, and peripheral interface 603 may be connected by a bus or signal line. The individual peripheral devices may be connected to the peripheral device interface 603 via buses, signal lines or a circuit board. Specifically, the peripheral device includes: at least one of radio frequency circuitry 604, a display 605, a camera assembly 606, audio circuitry 607, and a power supply 608.

Peripheral interface 603 may be used to connect at least one Input/Output (I/O) related peripheral to processor 601 and memory 602. In some embodiments, the processor 601, memory 602, and peripheral interface 603 are integrated on the same chip or circuit board; in some other embodiments, either or both of the processor 601, memory 602, and peripheral interface 603 may be implemented on separate chips or circuit boards, which is not limited in this embodiment.

The Radio Frequency circuit 604 is configured to receive and transmit RF (Radio Frequency) signals, also known as electromagnetic signals. The radio frequency circuit 604 communicates with a communication network and other communication devices via electromagnetic signals. The radio frequency circuit 604 converts an electrical signal into an electromagnetic signal for transmission, or converts a received electromagnetic signal into an electrical signal. Optionally, the radio frequency circuit 604 includes: antenna systems, RF transceivers, one or more amplifiers, tuners, oscillators, digital signal processors, codec chipsets, subscriber identity module cards, and so forth. The radio frequency circuit 604 may communicate with other terminals via at least one wireless communication protocol. The wireless communication protocol includes, but is not limited to: the world wide web, metropolitan area networks, intranets, generation mobile communication networks (2G, 3G, 4G, and 5G), wireless local area networks, and/or WiFi (Wireless Fidelity ) networks. In some embodiments, the radio frequency circuit 604 may also include NFC (Near Field Communication ) related circuits, which the present application is not limited to.

The display screen 605 is used to display a UI (User Interface). The UI may include graphics, text, icons, video, and any combination thereof. When the display 605 is a touch display, the display 605 also has the ability to collect touch signals at or above the surface of the display 605. The touch signal may be input as a control signal to the processor 601 for processing. At this point, the display 605 may also be used to provide virtual buttons and/or virtual keyboards, also referred to as soft buttons and/or soft keyboards. In some embodiments, the display 605 may be one, disposed on the front panel of the terminal 600; in other embodiments, the display 605 may be at least two, respectively disposed on different surfaces of the terminal 600 or in a folded design; in other embodiments, the display 605 may be a flexible display, disposed on a curved surface or a folded surface of the terminal 600. Even more, the display 605 may be arranged in a non-rectangular irregular pattern, i.e., a shaped screen. The display 605 may be made of LCD (Liquid Crystal Display ), OLED (Organic Light-Emitting Diode) or other materials.

The camera assembly 606 is used to capture images or video. Optionally, the camera assembly 606 includes a front camera and a rear camera. Typically, the front camera is disposed on the front panel of the terminal and the rear camera is disposed on the rear surface of the terminal. In some embodiments, the at least two rear cameras are any one of a main camera, a depth camera, a wide-angle camera and a tele camera, so as to realize that the main camera and the depth camera are fused to realize a background blurring function, and the main camera and the wide-angle camera are fused to realize a panoramic shooting and Virtual Reality (VR) shooting function or other fusion shooting functions. In some embodiments, camera assembly 606 may also include a flash. The flash lamp can be a single-color temperature flash lamp or a double-color temperature flash lamp. The dual-color temperature flash lamp refers to a combination of a warm light flash lamp and a cold light flash lamp, and can be used for light compensation under different color temperatures.

The audio circuit 607 may include a microphone and a speaker. The microphone is used for collecting sound waves of users and environments, converting the sound waves into electric signals, and inputting the electric signals to the processor 601 for processing, or inputting the electric signals to the radio frequency circuit 604 for voice communication. For the purpose of stereo acquisition or noise reduction, a plurality of microphones may be respectively disposed at different portions of the terminal 600. The microphone may also be an array microphone or an omni-directional pickup microphone. The speaker is used to convert electrical signals from the processor 601 or the radio frequency circuit 604 into sound waves. The speaker may be a conventional thin film speaker or a piezoelectric ceramic speaker. When the speaker is a piezoelectric ceramic speaker, not only the electric signal can be converted into a sound wave audible to humans, but also the electric signal can be converted into a sound wave inaudible to humans for ranging and other purposes. In some embodiments, the audio circuit 607 may also include a headphone jack.

The power supply 608 is used to power the various components in the terminal 600. The power source 608 may be alternating current, direct current, disposable or rechargeable. When the power source 608 includes a rechargeable battery, the rechargeable battery may be a wired rechargeable battery or a wireless rechargeable battery. The wired rechargeable battery is a battery charged through a wired line, and the wireless rechargeable battery is a battery charged through a wireless coil. The rechargeable battery may also be used to support fast charge technology.

In some embodiments, the terminal 600 further includes one or more sensors 609. The one or more sensors 609 include, but are not limited to: acceleration sensor 610, gyroscope sensor 611, pressure sensor 612, optical sensor 613, and proximity sensor 614.

The acceleration sensor 610 may detect the magnitudes of accelerations on three coordinate axes of the coordinate system established with the terminal 600. For example, the acceleration sensor 610 may be used to detect components of gravitational acceleration in three coordinate axes. The processor 601 may control the display screen 605 to display the user interface in a landscape view or a portrait view according to the gravitational acceleration signal acquired by the acceleration sensor 610. The acceleration sensor 610 may also be used for the acquisition of motion data of a game or a user.

The gyro sensor 611 may detect a body direction and a rotation angle of the terminal 600, and the gyro sensor 611 may collect a 3D motion of the user to the terminal 600 in cooperation with the acceleration sensor 610. The processor 601 may implement the following functions based on the data collected by the gyro sensor 611: motion sensing (e.g., changing UI according to a tilting operation by a user), image stabilization at shooting, game control, and inertial navigation.

The pressure sensor 612 may be disposed at a side frame of the terminal 600 and/or at a lower layer of the display 605. When the pressure sensor 612 is disposed at a side frame of the terminal 600, a grip signal of the user to the terminal 600 may be detected, and the processor 601 performs a left-right hand recognition or a shortcut operation according to the grip signal collected by the pressure sensor 612. When the pressure sensor 612 is disposed at the lower layer of the display screen 605, the processor 601 controls the operability control on the UI interface according to the pressure operation of the user on the display screen 605. The operability controls include at least one of a button control, a scroll bar control, an icon control, and a menu control.

The optical sensor 613 is used to collect the intensity of ambient light. In one embodiment, processor 601 may control the display brightness of display 605 based on the intensity of ambient light collected by optical sensor 613. Specifically, when the intensity of the ambient light is high, the display brightness of the display screen 605 is turned up; when the ambient light intensity is low, the display brightness of the display screen 605 is turned down. In another embodiment, the processor 601 may also dynamically adjust the shooting parameters of the camera assembly 606 according to the ambient light intensity collected by the optical sensor 613.

A proximity sensor 614, also known as a distance sensor, is typically provided on the front panel of the terminal 600. The proximity sensor 614 is used to collect the distance between the user and the front of the terminal 600. In one embodiment, when the proximity sensor 614 detects that the distance between the user and the front of the terminal 600 gradually decreases, the processor 601 controls the display 605 to switch from the bright screen state to the off screen state; when the proximity sensor 614 detects that the distance between the user and the front surface of the terminal 600 gradually increases, the processor 601 controls the display screen 605 to switch from the off-screen state to the on-screen state.

Those skilled in the art will appreciate that the structure shown in fig. 6 is not limiting of the terminal 600 and may include more or fewer components than shown, or may combine certain components, or may employ a different arrangement of components.

In some embodiments, the payment management platform is provided as a server, fig. 7 is a block diagram of a server provided by an embodiment of the present application, where the server 700 may be relatively different due to configuration or performance, and may include one or more processors (Central Processing Units, CPU) 701 and one or more memories 702, where the memories 702 are used to store executable program codes, and the processors 701 are configured to execute the executable program codes to implement the payment methods provided by the foregoing method embodiments. Of course, the server may also have a wired or wireless network interface, a keyboard, an input/output interface, and other components for implementing the functions of the device, which are not described herein.

In an exemplary embodiment, a storage medium is also provided, e.g. a memory 702 comprising program code, which is executable by the processor 701 of the server 700 to perform the above described payment method. Alternatively, the storage medium may be a non-transitory computer readable storage medium, for example, a ROM (Read-Only Memory), a RAM (Random Access Memory ), a CD-ROM (Compact Disc Read-Only Memory), a magnetic tape, a floppy disk, an optical data storage device, and the like.

The embodiment of the application also provides a computer readable storage medium, wherein at least one program code is stored in the computer readable storage medium, and the at least one program code is loaded and executed by a processor to realize the payment method of any implementation mode.

The embodiment of the application also provides a computer program product, which comprises computer program code, the computer program code is stored in a computer readable storage medium, a processor of the computer device reads the computer program code from the computer readable storage medium, and the processor executes the computer program code to enable the computer device to execute the payment method of any implementation mode.

In some embodiments, a computer program product according to embodiments of the present application may be deployed to be executed on one computer device or on multiple computer devices at one site or on multiple computer devices distributed across multiple sites and interconnected by a communication network, where the multiple computer devices distributed across multiple sites and interconnected by a communication network may constitute a blockchain system.

The foregoing is illustrative of the present application and is not to be construed as limiting thereof, but rather as various modifications, equivalent arrangements, improvements, etc., which fall within the spirit and principles of the present application.

Claims

1. A payment system, the system comprising: the payment management platform, the first terminal and the second terminal;

2. The system of claim 1, wherein the system further comprises a controller configured to control the controller,

the first terminal is further configured to scan the collection graphic code based on a third payment application, display a payment interface of a target payment application, where the payment interface of the target payment application is used for inputting the first quantity, the third payment application is a payment application for which the first object does not open a resource account, and the target payment application is a payment application meeting a target condition in a plurality of payment applications for which the first object has opened a resource account; or alternatively, the process may be performed,

3. The system of claim 2, wherein the system further comprises a controller configured to control the controller,

the target payment application is the payment application with highest use frequency in a plurality of payment applications of which the first object has opened a resource account; or alternatively, the process may be performed,

4. The system of claim 1, wherein the system further comprises a controller configured to control the controller,

the payment management platform is used for transferring the first number of virtual resources from the first resource account to a second resource account under the condition that the number of the virtual resources in the first resource account is not smaller than the first number;

5. The system of claim 1, wherein the system further comprises a controller configured to control the controller,

the payment management platform is used for verifying the second object based on the resource extraction request, and transferring the second number of virtual resources from the second resource account to the third resource account under the condition that verification is passed.

6. The system of claim 5, wherein the resource extraction request further carries a request timestamp and object information of a second object;

the payment management platform is configured to transfer the second number of virtual resources from the second resource account to the third resource account when the request timestamp satisfies a reference timestamp and the object information of the second object matches the object information of the second object stored by the payment management platform.

7. The system of claim 1, wherein the system further comprises a controller configured to control the controller,

the payment management platform is further configured to, after transferring the first number of virtual resources from the first resource account to the second resource account, feed back payment information to the first terminal, where the payment information carries the first number, the first resource account, and a transfer time of the first number of virtual resources;

8. The system of claim 1, wherein the system further comprises a controller configured to control the controller,

The payment management platform is used for generating a payment channel code of the first payment application based on the first payment application, the first quantity, the object information of the first object, the object information of the second object and the timestamp of the payment request after receiving the payment request;

9. The system of claim 1, wherein the checkout graphic code supports payment through a plurality of reference payment applications;

10. A method of payment, the method comprising:

the payment management platform also transfers the second amount of virtual resources from the second resource account to the third resource account based on the resource extraction request.

11. A payment method, applied to a first terminal, the method comprising:

12. A payment method for use with a payment management platform, the method comprising:

13. A payment method, applied to a second terminal, the method comprising:

and sending a resource extraction request to a payment management platform based on a second payment application, wherein the resource extraction request carries a second number of virtual resources and a third resource account, the third resource account is a resource account of a second object on the second payment application, the payment management platform is used for transferring the second number of virtual resources from the second resource account to the third resource account based on the resource extraction request, and the second resource account is a resource account of the second object on the payment management platform.

14. A computer device comprising one or more processors and one or more memories, the one or more memories having stored therein at least one program code loaded and executed by the one or more processors to implement the payment method of any of claims 10 to 13.

15. A computer readable storage medium having stored therein at least one program code, the at least one program code being loaded and executed by a processor to implement the payment method of any of claims 10 to 13.

16. A computer program product, characterized in that the computer program product comprises computer program code, which is stored in a computer readable storage medium, from which computer program code a processor of a computer device reads, which processor executes the computer program code, such that the computer device performs the payment method according to any of claims 10 to 13.