CN117787965A - Static code-based staged payment method and system - Google Patents
Static code-based staged payment method and system Download PDFInfo
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- CN117787965A CN117787965A CN202311854537.XA CN202311854537A CN117787965A CN 117787965 A CN117787965 A CN 117787965A CN 202311854537 A CN202311854537 A CN 202311854537A CN 117787965 A CN117787965 A CN 117787965A
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- 238000000034 method Methods 0.000 title claims abstract description 24
- 238000013479 data entry Methods 0.000 claims abstract description 35
- 238000012545 processing Methods 0.000 claims abstract description 12
- 238000012795 verification Methods 0.000 claims description 12
- 238000004590 computer program Methods 0.000 claims description 9
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Abstract
The invention discloses a staged payment method and a system based on static codes, wherein a payment channel of a merchant and a staged payment platform is established based on a data entry platform, the data entry platform generates the static codes and returns the static codes to the merchant, a consumer sends a staged consumption request to the staged payment platform according to the static codes of the merchant, the staged payment platform returns a processing result to the consumer according to the consumption request, the merchant can realize staged transaction without technical docking, and the data entry platform can issue staged static code cards only after business auditing, so that the defect that development cost is relatively high due to the fact that the merchant develops corresponding staged payment technologies according to different staged payment platforms in the prior art is effectively overcome, and meanwhile, management of the merchant can be facilitated by returning the consumption result to the data entry platform.
Description
Technical Field
The invention relates to the technical field of staged payment, in particular to a staged payment method and system based on static codes.
Background
With the increasing popularity of credit cards, more and more people use credit cards to pay online, credit card payment is divided into two types, namely full payment and staged payment, in order to stimulate the buying desire of consumers to the greatest extent, the sales mode is gradually adopted by merchants along with the development of technology, the traditional merchant staged transaction requires the merchants to develop corresponding staged payment technologies according to different staged payment platforms, the development cost is high, the applicability is low, and small merchants are difficult to realize the operation mode of staged transaction.
Disclosure of Invention
In view of this, the invention provides a staged payment method and system based on static codes, which can solve the defect of relatively high development cost caused by the merchant developing corresponding staged payment technology according to different staged payment platforms in the prior art.
The technical scheme of the invention is realized as follows:
a staged payment method based on static codes specifically comprises the following steps:
establishing a payment channel of a merchant and a staged payment platform based on the data entry platform;
the data feeding platform generates a static code and returns the static code to the merchant;
the consumer sends a staged consumption request to a staged payment platform according to the static code of the merchant;
the staged payment platform returns a processing result to the consumer according to the consumption request and returns a consumption result to the data entry platform, so that staged payment of the merchant based on the static code is realized.
As a further alternative of the static code-based staged payment method, the data entry platform establishes a payment channel between a merchant and a staged payment platform, and specifically includes:
the merchant sends merchant information and staged payment business requirements to an information package platform;
the data entry platform audits the merchant data according to a preset merchant data auditing rule, and sends the merchant staged payment business requirement to the staged payment platform when the auditing is passed;
the staged payment platform carries out staged payment service configuration according to the staged payment service requirements, so that payment channels of merchants and the staged payment platform are established.
As a further alternative of the staged payment method based on static codes, the consumer sends a staged consumption request to a staged payment platform according to the static codes of the merchant, and specifically includes:
acquiring a code scanning mode of scanning a merchant static code by a consumer;
judging whether the card binding operation is needed according to a consumer code scanning mode, if so, carrying out the card binding operation, selecting a credit card and a staged number, inputting a payment code or a short message verification code to complete a staged consumption request, and sending the staged consumption request to a staged payment platform, otherwise, directly selecting the credit card and the staged number, inputting the payment code or the short message verification code to complete the staged consumption request, and sending the staged consumption request to the staged payment platform.
As a further alternative to the static code based staged payment method, the method further comprises:
the data feeding platform asynchronously synchronizes the consumption results to the merchant.
A staged payment system based on static codes, comprising:
the establishing module is used for establishing a payment channel of the merchant and the staged payment platform based on the data entry platform;
the generation module is used for generating static codes by the data entry platform and returning the static codes to the merchant;
the staged consumption request module is used for a consumer to send a staged consumption request to the staged payment platform according to the static code of the merchant;
the staged consumption processing module is used for returning a processing result to the consumer according to the consumption request and returning the consumption result to the data delivery platform, so that staged payment of the merchant based on the static code is realized.
As a further alternative to the static code based staged payment system, the setup module comprises:
the data input module is used for the merchant to send merchant data and staged payment business requirements to the data entry platform;
the auditing and inputting module is used for auditing the merchant data according to a preset merchant data auditing rule by the data feeding platform, and transmitting the merchant staged payment business requirement to the staged payment platform after the auditing is passed;
the staged payment service configuration module is used for carrying out staged payment service configuration on the staged payment platform according to the staged payment service requirements, so that payment channels of merchants and the staged payment platform are established.
As a further alternative to the static code based staged payment system, the staged consumption request module comprises:
the acquisition module is used for acquiring a code scanning mode of scanning the static code of the merchant by the consumer;
the judging module is used for judging whether the card binding operation is needed according to the code scanning mode of the consumer, if yes, the card binding operation is carried out, the credit card and the period number are selected, the payment password or the short message verification code is input to complete the period consumption request, the period consumption request is sent to the period payment platform, and if not, the credit card and the period number are directly selected, the payment password or the short message verification code is input to complete the period consumption request, and the period consumption request is sent to the period payment platform.
As a further alternative to the static code based staged payment system, the system further comprises:
and the asynchronous synchronization module is used for asynchronously synchronizing the consumption result to the merchant by the data entry platform.
A computing device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, the processor implementing the steps of any one of the static code based staged payment methods described above when the computer program is executed.
A computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of the static code based staged payment method as defined in any of the preceding claims.
The beneficial effects of the invention are as follows: the data entry platform generates the static code and returns the static code to the merchant, the consumer sends the staged consumption request to the staged payment platform according to the static code of the merchant, and the staged payment platform returns the processing result to the consumer according to the consumption request, so that the merchant does not need to be in technical butt joint, and the data entry platform can realize staged transaction by issuing the staged static code card after business audit, thereby effectively solving the defect that the merchant in the prior art has higher development cost due to developing corresponding staged payment technologies according to different staged payment platforms, and simultaneously, the manager can conveniently manage the merchant by returning the consumption result to the data entry platform.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flow chart of a staged payment method based on static codes according to the present invention;
fig. 2 is a schematic diagram of a staged payment system based on static codes according to the present invention.
Detailed Description
The following description of the technical solutions in the embodiments of the present invention will be clear and complete, and it is obvious that the described embodiments are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
Referring to fig. 1-2, a static code-based staged payment method specifically includes:
establishing a payment channel of a merchant and a staged payment platform based on the data entry platform;
the data feeding platform generates a static code and returns the static code to the merchant;
the consumer sends a staged consumption request to a staged payment platform according to the static code of the merchant;
the staged payment platform returns a processing result to the consumer according to the consumption request and returns a consumption result to the data entry platform, so that staged payment of the merchant based on the static code is realized.
In the embodiment, the data entry platform generates the static code and returns the static code to the merchant, the consumer sends the staged consumption request to the staged payment platform according to the static code of the merchant, and the staged payment platform returns the processing result to the consumer according to the consumption request, so that the merchant does not need to be in technical butt joint, and the staged transaction can be realized by only issuing the staged static code card by the data entry platform after business audit, the defect that the development cost is relatively high due to the fact that the merchant develops corresponding staged payment technologies according to different staged payment platforms in the prior art is effectively solved, and meanwhile, the manager can conveniently manage the merchant by returning the consumption result to the data entry platform.
Preferably, the data entry platform establishes a payment channel between a merchant and a staged payment platform, and specifically comprises:
the merchant sends merchant information and staged payment business requirements to an information package platform;
the data entry platform audits the merchant data according to a preset merchant data auditing rule, and sends the merchant staged payment business requirement to the staged payment platform when the auditing is passed;
the staged payment platform carries out staged payment service configuration according to the staged payment service requirements, so that payment channels of merchants and the staged payment platform are established.
In this embodiment, the data entry platform audits the merchant data according to the preset merchant data auditing rule, so that the merchant can be further conveniently managed.
Preferably, the consumer sends the staged consumption request to the staged payment platform according to the static code of the merchant, which specifically includes:
acquiring a code scanning mode of scanning a merchant static code by a consumer;
judging whether the card binding operation is needed according to a consumer code scanning mode, if so, carrying out the card binding operation, selecting a credit card and a staged number, inputting a payment code or a short message verification code to complete a staged consumption request, and sending the staged consumption request to a staged payment platform, otherwise, directly selecting the credit card and the staged number, inputting the payment code or the short message verification code to complete the staged consumption request, and sending the staged consumption request to the staged payment platform.
In the embodiment, the method and the device support the user to stage by using APP channels such as cloud flash payment, weChat, payment treasures and the like, and can effectively and accurately match the stage payment service by acquiring the scanning mode of scanning the static codes of the merchants by consumers, so that the precision rate of the stage payment is improved.
Preferably, the method further comprises:
the data feeding platform asynchronously synchronizes the consumption results to the merchant.
A staged payment system based on static codes, comprising:
the establishing module is used for establishing a payment channel of the merchant and the staged payment platform based on the data entry platform;
the generation module is used for generating static codes by the data entry platform and returning the static codes to the merchant;
the staged consumption request module is used for a consumer to send a staged consumption request to the staged payment platform according to the static code of the merchant;
the staged consumption processing module is used for returning a processing result to the consumer according to the consumption request and returning the consumption result to the data delivery platform, so that staged payment of the merchant based on the static code is realized.
Preferably, the establishing module includes:
the data input module is used for the merchant to send merchant data and staged payment business requirements to the data entry platform;
the auditing and inputting module is used for auditing the merchant data according to a preset merchant data auditing rule by the data feeding platform, and transmitting the merchant staged payment business requirement to the staged payment platform after the auditing is passed;
the staged payment service configuration module is used for carrying out staged payment service configuration on the staged payment platform according to the staged payment service requirements, so that payment channels of merchants and the staged payment platform are established.
Preferably, the staged consumption request module includes:
the acquisition module is used for acquiring a code scanning mode of scanning the static code of the merchant by the consumer;
the judging module is used for judging whether the card binding operation is needed according to the code scanning mode of the consumer, if yes, the card binding operation is carried out, the credit card and the period number are selected, the payment password or the short message verification code is input to complete the period consumption request, the period consumption request is sent to the period payment platform, and if not, the credit card and the period number are directly selected, the payment password or the short message verification code is input to complete the period consumption request, and the period consumption request is sent to the period payment platform.
Preferably, the system further comprises:
and the asynchronous synchronization module is used for asynchronously synchronizing the consumption result to the merchant by the data entry platform.
A computing device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, the processor implementing the steps of any one of the static code based staged payment methods described above when the computer program is executed.
A computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of the static code based staged payment method as defined in any of the preceding claims.
The foregoing description of the preferred embodiments of the invention is not intended to be limiting, but rather is intended to cover all modifications, equivalents, alternatives, and improvements that fall within the spirit and scope of the invention.
Claims (10)
1. The staged payment method based on the static codes is characterized by comprising the following steps of:
establishing a payment channel of a merchant and a staged payment platform based on the data entry platform;
the data feeding platform generates a static code and returns the static code to the merchant;
the consumer sends a staged consumption request to a staged payment platform according to the static code of the merchant;
the staged payment platform returns a processing result to the consumer according to the consumption request and returns a consumption result to the data entry platform, so that staged payment of the merchant based on the static code is realized.
2. The static code-based staged payment method as claimed in claim 1, wherein the data entry platform establishes a payment channel between a merchant and a staged payment platform, specifically comprising:
the merchant sends merchant information and staged payment business requirements to an information package platform;
the data entry platform audits the merchant data according to a preset merchant data auditing rule, and sends the merchant staged payment business requirement to the staged payment platform when the auditing is passed;
the staged payment platform carries out staged payment service configuration according to the staged payment service requirements, so that payment channels of merchants and the staged payment platform are established.
3. The staged payment method based on static codes as claimed in claim 2, wherein the consumer sends a staged consumption request to a staged payment platform according to the static codes of the merchant, specifically comprising:
acquiring a code scanning mode of scanning a merchant static code by a consumer;
judging whether the card binding operation is needed according to a consumer code scanning mode, if so, carrying out the card binding operation, selecting a credit card and a staged number, inputting a payment code or a short message verification code to complete a staged consumption request, and sending the staged consumption request to a staged payment platform, otherwise, directly selecting the credit card and the staged number, inputting the payment code or the short message verification code to complete the staged consumption request, and sending the staged consumption request to the staged payment platform.
4. A static code based staged payment method as defined in claim 3, further comprising:
the data feeding platform asynchronously synchronizes the consumption results to the merchant.
5. A staged payment system based on static codes, comprising:
the establishing module is used for establishing a payment channel of the merchant and the staged payment platform based on the data entry platform;
the generation module is used for generating static codes by the data entry platform and returning the static codes to the merchant;
the staged consumption request module is used for a consumer to send a staged consumption request to the staged payment platform according to the static code of the merchant;
the staged consumption processing module is used for returning a processing result to the consumer according to the consumption request and returning the consumption result to the data delivery platform, so that staged payment of the merchant based on the static code is realized.
6. The static code based staged payment system as defined in claim 4, wherein the setup module includes:
the data input module is used for the merchant to send merchant data and staged payment business requirements to the data entry platform;
the auditing and inputting module is used for auditing the merchant data according to a preset merchant data auditing rule by the data feeding platform, and transmitting the merchant staged payment business requirement to the staged payment platform after the auditing is passed;
the staged payment service configuration module is used for carrying out staged payment service configuration on the staged payment platform according to the staged payment service requirements, so that payment channels of merchants and the staged payment platform are established.
7. The static code based staged payment system of claim 6, wherein the staged consumption requesting module includes:
the acquisition module is used for acquiring a code scanning mode of scanning the static code of the merchant by the consumer;
the judging module is used for judging whether the card binding operation is needed according to the code scanning mode of the consumer, if yes, the card binding operation is carried out, the credit card and the period number are selected, the payment password or the short message verification code is input to complete the period consumption request, the period consumption request is sent to the period payment platform, and if not, the credit card and the period number are directly selected, the payment password or the short message verification code is input to complete the period consumption request, and the period consumption request is sent to the period payment platform.
8. The static code based staged payment system as defined in claim 7, further comprising:
and the asynchronous synchronization module is used for asynchronously synchronizing the consumption result to the merchant by the data entry platform.
9. A computing device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, the processor implementing the steps of the static code based staged payment method of any of claims 1-4 when the computer program is executed.
10. A computer readable storage medium, characterized in that the storage medium has stored thereon a computer program which, when executed by a processor, implements the steps of the static code based staged payment method as claimed in any of claims 1-4.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202311854537.XA CN117787965A (en) | 2023-12-29 | 2023-12-29 | Static code-based staged payment method and system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202311854537.XA CN117787965A (en) | 2023-12-29 | 2023-12-29 | Static code-based staged payment method and system |
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| CN117787965A true CN117787965A (en) | 2024-03-29 |
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| CN202311854537.XA Pending CN117787965A (en) | 2023-12-29 | 2023-12-29 | Static code-based staged payment method and system |
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