TW201732727A - Automatic payment method and device - Google Patents

Abstract

An automatic payment method and device. The method comprises: obtaining a payment notification message; collecting an image comprising current meter data of a meter; and generating a payment response message comprising the image, and sending the payment response message to a server, so that the server completes the payment for the meter by using the payment response message. By means of the technical solution, a meter reader does not need to go to a user's home to read the meter, and therefore, user experience is improved, labor costs are reduced, and a payment process for the meter can be completed in time.

Description

Automatic payment method and device

The present invention relates to the field of Internet technologies, and in particular, to a method and apparatus for automatic payment.

In the payment process of public utilities such as electricity, water conservancy and gas, there are currently two payment methods. A payment method is to use the payment first, that is, for a certain meter (such as an electric meter, etc.), the user first pays the fee, and pre-stores some expenses for the meter. When the meter does not have a corresponding fee, it cannot continue to use. Another payment method is to use the payment first, that is, for a certain meter (such as water meter, gas meter, etc.), the user can use it first, and every time, the fee incurred during this period is paid.

For the payment method of paying for the first use, the current implementation method is generally the door-to-door meter reading mode. Specifically, the meter reader manually reads the meter into the user's home and records the result of the meter reading. Public utilities (such as the power department, water conservancy department, etc.) calculate the expenses incurred during this period based on the results of the meter reading and the results of the last meter reading, and notify the user of the expenses incurred during this period. Notify the user to pay.

In the above manner, the meter reader needs to manually read the meter in the user's home. The meter reading at home is inefficient and has a poor experience. Moreover, if there is no one in the user's home, the meter reader cannot get accurate meter reading results in time, and the meter reader may need to manually read the meter in the user's home several times, which brings a lot of labor costs.

The invention provides a method and a device for automatically paying fees, so as to avoid manual meter reading by the meter reader to the user's home, thereby improving the use experience and reducing the labor cost. The technical solution is as follows: The present invention provides a method for automatic payment, which is applied to a mobile terminal. The method includes: obtaining a payment notification message; collecting an image of the current instrument data; generating a payment response message including the image, and transmitting the payment response message to the server, so that the server utilizes the The payment response message completes the payment of the meter.

The present invention provides a method for automatically paying a fee, which is applied to a server, and includes: sending a payment notification message to a mobile terminal, so that the mobile terminal collects a map of the current instrument data after receiving the payment notification message. Receiving a payment response message including the image from the mobile terminal; creating a payment bill by using the payment response message, and completing payment of the meter by using the payment bill.

The present invention provides an automatic payment device, which is applied to a mobile terminal, and the device includes: Obtaining a module for acquiring a payment notification message; an acquisition module for collecting an image of the current instrument data; generating a module for generating a payment response message including the image; and transmitting a module And sending the payment response message to the server, so that the server completes payment of the meter by using the payment response message.

The present invention provides an automatic payment device, which is applied to a server, and the device includes: a sending module, configured to send a payment notification message to the mobile terminal, so that the mobile terminal collects the payment notification message after receiving the payment notification message An image of the current meter data; a receiving module for receiving a payment response message including the image from the mobile terminal; and a payment module for creating a payment bill by using the payment response message, and The payment of the meter is completed using the bill of payment.

The present invention provides a method for automatically paying a fee, which is applied to a first mobile terminal, the method comprising: acquiring a first payment notification message to determine whether an image is collected by the first mobile terminal; if not, an authorized second mobile terminal The identification information is sent to the server, so that the server generates a second payment notification message by using the identification information; acquiring a second payment notification message, and transmitting the second payment notification message to the second a mobile terminal; to enable the second mobile terminal to collect an image of the current meter data of the meter, generate a first payment response message including the image, and send the first payment response message to the server So that the server completes the payment of the meter by using the first payment response message.

The present invention provides a method for automatic payment, which is applied to a server, the method comprising: transmitting a first payment notification message to a first mobile terminal, and receiving a passage from the first mobile terminal when the image is not collected by the first mobile terminal Authorizing the identification information of the second mobile terminal, and generating a second payment notification message by using the identification information, and sending the second payment notification message to the first mobile terminal, so that the first mobile terminal will use the second The payment notification message is transmitted to the second mobile terminal; receiving a first payment response message from the second mobile terminal, where the first payment response message includes an image of the meter collected by the second mobile terminal, the image Include current meter data; determine whether the first payment response message is legal payment information; if yes, create a payment bill by using the first payment response message, and use the payment bill to complete the meter Payment.

The invention provides an automatic payment device, which is applied to a first mobile terminal, and the device includes: an acquisition module, configured to acquire a first payment notification message, and determine whether an image is collected by the first mobile terminal; if not, it is authorized The identification information of the second mobile terminal is sent to the server, so that the server generates the second payment notification message by using the identification information to obtain a second payment notification message, and the sending module is configured to: Sending a second payment notification message to the second mobile terminal; so that the second mobile terminal collects an image of the meter containing the current meter data, and generates a first payment response message including the image. And sending the first payment response message to the server, so that the server completes payment of the meter by using the first payment response message.

The invention provides an automatic payment device, which is applied to a server, and the device includes: a sending module, configured to send a first payment notification message to the first mobile terminal, and receive the image from the first mobile terminal when the image is not collected by the first mobile terminal Identifying information of the authorized second mobile terminal of the mobile terminal, generating a second payment notification message by using the identification information, and transmitting the second payment notification message to the first mobile terminal, so that the first mobile terminal is to be the second The payment notification message is transmitted to the second mobile terminal, and the receiving module is configured to receive the first payment response message from the second mobile terminal, where the first payment response message includes an image of the instrument collected by the second mobile terminal, where the image The method includes: the current meter data; the determining module, configured to determine whether the first payment response message is a legal payment information; and the processing module, configured to: when the determination result is yes, create the first payment response message Paying the bill and using the bill to complete the payment of the meter.

Based on the foregoing technical solution, in the embodiment of the present invention, the user may use the mobile terminal to collect an image including the current instrument data, and send a payment response message including the image to the server, so that the server can use the payment. Respond to the message to complete the payment, thus eliminating the need for the meter reader to manually copy the meter in the user's home, which can improve the user experience, reduce labor costs, and timely Complete the payment process of the instrument.

101~103‧‧‧Steps

201~203‧‧‧Steps

301~306‧‧‧Steps

401~402‧‧‧Steps

501~504‧‧‧Steps

601~611‧‧‧Steps

11‧‧‧Get the module

12‧‧‧ Acquisition module

13‧‧‧ generating module

14‧‧‧Transmission module

21‧‧‧Transmission module

22‧‧‧ receiving module

23‧‧‧Payment module

31‧‧‧Getting module

32‧‧‧Transmission module

41‧‧‧Transmission module

42‧‧‧ receiving module

43‧‧‧Judgement module

44‧‧‧Processing module

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the prior art description will be briefly described below. Obviously, the drawings in the following description are only Some of the embodiments described in the invention may be derived from other drawings, as well as those of ordinary skill in the art.

1 is a flow chart of a method for automatic payment in an embodiment of the present invention; FIG. 2 is a flow chart of a method for automatic payment in another embodiment of the present invention; and FIG. 3 is an automatic payment in another embodiment of the present invention. Figure 4 is a flow chart of a method for automatic payment in another embodiment of the present invention; Figure 5 is a flow chart of a method for automatic payment in another embodiment of the present invention; A flowchart of a method for automatic payment in an embodiment; FIG. 7 is a structural diagram of an apparatus for automatic payment in an embodiment of the present invention; and FIG. 8 is a structural diagram of an apparatus for automatic payment in another embodiment of the present invention; Figure 9 is a block diagram of an apparatus for automatic payment in another embodiment of the present invention; and Figure 10 is a block diagram of an apparatus for automatic payment in another embodiment of the present invention.

The terminology used in the present invention is for the purpose of describing the particular embodiments, The singular forms "a", "the" and "the" It should also be understood that the term "and/or" as used herein refers to any and all possible combinations of one or more associated listed items.

It should be understood that although the terms first, second, third, etc. may be used in the present invention to describe various information, such information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other. For example, the first information may also be referred to as second information without departing from the scope of the invention. Similarly, the second information may also be referred to as first information. Depending on the context, in addition, the word "if" may be interpreted to mean "when" or "when" or "in response to certainty."

For meters such as electricity meters, water meters, gas meters, etc., when the payment method of payment after use is used, when the payment period (such as 1 month, etc.) is reached, the instrument needs to be paid. In order to complete the payment, it is necessary to obtain the current meter data of the meter, thereby calculating the fee for the payment period based on the current meter data and the last meter data. In order to obtain current meter data, In the embodiment of the present invention, the user can use the mobile terminal to collect an image including the current meter data, and send the payment information including the image to the server. So that the server can use the payment information to complete the payment, so that the meter reader does not need to manually read the meter in the user's home.

For each meter, the server information and user information corresponding to the meter are maintained on the server. The agency information refers to information of public utilities (such as the power sector, water conservancy department, etc.), which is provided by the public utility. The user information refers to the unique identifier of the user to which the meter belongs, such as the account number 123, and the account number 123 is the unique identifier of Zhang San in the public utility unit.

For each agency information and user information, a user account is bound, such as a user account provided by a third-party platform, so that the user account can be used to complete the organization information and user information. The corresponding instrument payment. This user account can be specified by the user on a third party platform.

Embodiment 1

FIG. 1 is a flowchart of a method for automatic payment according to an exemplary embodiment of the present invention. As shown in FIG. 1 , the method may be applied to a mobile terminal, and may include the following steps: Step 101: Acquire a payment notification message.

In the embodiment of the present invention, the process of obtaining the payment notification message may include, but is not limited to, the following method: receiving the payment provider from the server At the end of the settlement, the payment notification message is parsed from the payment link; or, when the payment two-dimensional code is obtained, the payment two-dimensional code is scanned, and the payment notification message is parsed from the payment two-dimensional code; or, provided from a third-party platform A payment notification message is obtained in the payment interface.

Step 102: Acquire an image of the meter containing the current meter data.

Step 103: Generate a payment response message including the image, and send the payment response message to the server, so that the server uses the payment response message to complete the payment to the meter.

In the embodiment of the present invention, the process of generating the payment response message including the image may include, but is not limited to, the following manner: Method 1: parsing the organization information corresponding to the instrument from the payment notification message, and generating an image, an organization Payment response message for information and user information. Or, in the second method, parsing the institution information corresponding to the meter from the payment notification message, obtaining the dial parser corresponding to the organization information from the server, and parsing the image by using the dial parser to obtain the current instrument data, and generating Includes image response information for images, agency information, user information, and current meter data. Or, in the third method, the agency information corresponding to the meter is parsed from the payment notification message, and the dial analyzer corresponding to the organization information and the last instrument data corresponding to the meter are obtained from the server, and the image is parsed by the dial parser. Obtain current instrument data, and use the current instrument data and the last instrument data to calculate electronic data information, and generate payment response messages including images, organization information, user information, and electronic data information.

Based on the foregoing technical solution, in the embodiment of the present invention, the image that is included in the current meter data may be collected by the user using the mobile terminal, and the The image payment response message is sent to the server, so that the server can use the payment response message to complete the payment, thereby eliminating the need for the meter reader to manually copy the meter in the user's home, which can improve the user experience, reduce labor costs, and complete in time. The payment process of the instrument.

Embodiment 2

FIG. 2 is a flowchart of a method for automatic payment according to an exemplary embodiment of the present invention. As shown in FIG. 2, the method may be applied to a server, and may include the following steps: Step 201, sending a payment to a mobile terminal. The notification message is configured to enable the mobile terminal to collect an image of the meter containing the current meter data after receiving the payment notification message.

In the embodiment of the present invention, the process of sending a payment notification message to the mobile terminal may include, but is not limited to, sending a payment link including a payment notification message to the mobile terminal, so that the mobile terminal resolves the payment notification message from the payment connection. Or, the mobile terminal is provided with a payment two-dimensional code including a payment notification message, so that the mobile terminal parses the payment notification message by scanning the payment two-dimensional code; or, the payment notification provided by the third-party platform provides the payment notification to the mobile terminal. Message.

Step 202: Receive a payment response message including an image from the mobile terminal.

Step 203: Create a payment bill by using the payment response message, and use the payment bill to complete payment of the meter.

In the embodiment of the present invention, the payment response message is used to create a payment bill. The specific process may include, but is not limited to, the following methods: Method 1: parsing the organization information, user information, and image corresponding to the instrument from the payment response message, and parsing the image by using the dial parser corresponding to the organization information Obtain the current instrument data, and use the current instrument data and the last instrument data corresponding to the meter to calculate the electronic data information; further, use the organization information and user information to obtain the user account corresponding to the meter, and use the electronic data information and the user Account creation bills. Or, in the second method, the agency information, the user information, the image, and the current meter data corresponding to the meter are parsed from the payment response message, and the electronic data information is calculated by using the current meter data and the last meter data corresponding to the meter; further, Use the agency information and user information to obtain the user account corresponding to the meter, and use the electronic information and user account to create a payment bill. Or, in the third way, the agency information, user information, images, and electronic data information corresponding to the meter are parsed from the payment response message; further, the user account corresponding to the meter is obtained by using the organization information and the user information, and the electronic account is utilized. Create bills for billing information and user accounts.

Based on the foregoing technical solution, in the embodiment of the present invention, the user may use the mobile terminal to collect an image including the current instrument data, and send a payment response message including the image to the server, so that the server can use the payment. Responding to the message to complete the payment, thus eliminating the need for the meter reader to manually copy the meter into the user's home, can improve the use experience, reduce labor costs, and complete the instrument payment process in a timely manner.

Embodiment 3

FIG. 3 is a flowchart of a method for automatic payment according to an exemplary embodiment of the present invention. As shown in FIG. 3, the method for automatic payment may include the following steps: Step 301: A server sends a payment notification message to a mobile terminal. .

In the embodiment of the present invention, the process of the server sending the payment notification message to the mobile terminal may include, but is not limited to, sending a payment link including a payment notification message to the mobile terminal, so that the mobile terminal parses the payment from the payment connection. Or notifying the message to the mobile terminal; or providing the mobile terminal with the payment two-dimensional code including the payment notification message, so that the mobile terminal can parse the payment notification message by scanning the payment two-dimensional code; or providing the payment interface provided by the third-party platform to the mobile terminal Payment notification message.

The server may send a payment notification message to the plurality of mobile terminals, and the payment notification messages corresponding to the multiple mobile terminals are the same. For example, the server generates a payment two-dimensional code including the payment notification message, and the payment two-dimensional code is Provided to a plurality of mobile terminals, or the server provides a payment notification message to a plurality of mobile terminals through a payment provider provided by a third-party platform. Alternatively, the server may separately send a payment notification message for each mobile terminal. For example, when a certain meter needs to pay, the server may query the user information corresponding to the meter, and query the mobile terminal corresponding to the user information. The information (such as mobile phone number, micro signal, etc.) is used to transmit the payment link including the payment notification message to the mobile terminal by using the information of the mobile terminal, or provide the payment two-dimensional code including the payment notification message to the mobile terminal.

Step 302: The mobile terminal acquires a payment notification message.

In the embodiment of the present invention, the process for the mobile terminal to obtain the payment notification message may include, but is not limited to, the following method: when receiving the payment connection from the server, the mobile terminal parses the payment notification message from the payment connection; or When the mobile terminal obtains the payment QR code, the payment two-dimensional code is scanned, and the payment notification message is parsed from the payment two-dimensional code; or the payment interface provided by the mobile terminal from a third-party platform (such as an e-commerce platform) Get a payment notification message.

The third-party platform can provide a payment interface for the mobile terminal, and the mobile terminal can obtain the payment notification message from the payment interface by opening the third-party platform.

Step 303: The mobile terminal collects an image of the meter that includes the current meter data.

After the mobile terminal obtains the payment notification message, the mobile terminal may collect an image of the current instrument data based on the questionnaire payment interface provided by the payment notification message.

Step 304: The mobile terminal generates a payment response message including the image, and sends the payment response message to the server.

In the embodiment of the present invention, the process for generating a payment response message including the image by the mobile terminal may include, but is not limited to, the following manner: Method 1: parsing the organization information corresponding to the meter from the payment notification message, and generating an image including the image , community information and user information payment response message. Method 2: parsing the institution information corresponding to the meter from the payment notification message, and obtaining the dial parser corresponding to the organization information from the server, and parsing the image by using the dial parser to obtain the current instrument data, and generating the Figure Image response information such as agency information, user information, and current meter data. Method 3: parsing the organization information corresponding to the meter from the payment notification message, obtaining the dial analyzer corresponding to the mechanism information and the last instrument data corresponding to the instrument from the server, and parsing the image by using the dial parser The current meter data, and the current meter data and the last meter data are used to calculate the electronic data information, and generate payment response messages including images, organization information, user information, and electronic data information.

For the first mode, the second mode, and the third mode, when the payment notification message is for a user's payment notification message, the payment notification message may include user information, and based on this, the mobile terminal may parse the payment notification message. The user information corresponding to the meter. When the payment notification message is a payment notification message for a plurality of users, the payment notification message may not include user information, and based on this, the mobile terminal may request the user to provide user information and receive the user input. Information, or you can pre-store user information locally on the mobile terminal and obtain user information from the data in the local storage area.

For mode 2 and mode 3, when the dial structure of a mechanism is the same, all dials of the mechanism will use the same dial parser, so the correspondence between the server maintenance organization information and the dial parser can be used. And the mobile terminal acquires a dial parser corresponding to the organization information from the server. Alternatively, when the dial structure of a mechanism is different, all dials of the mechanism may use different dial parsers, that is, different users under the mechanism correspond to different dial parsers, and therefore, the servos may be Correspondence between the maintenance organization information, user information and the dial parser, and The mobile terminal acquires a dial parser corresponding to the organization information and the user information from the server.

For the third method, the server maintains the correspondence between the organization information, the user information and the last instrument data. Therefore, the mobile terminal can obtain the last instrument data corresponding to the organization information and the user information from the server, and the last instrument The data is the last instrument data corresponding to the meter.

Step 305: The server receives a payment response message including an image from the mobile terminal.

Step 306: The server uses the payment response message to create a payment bill, and uses the payment bill to complete the payment of the meter.

In the embodiment of the present invention, the process of creating a payment bill by using the payment response message by the server may include, but is not limited to, the following manner: Method 1: parsing the organization information, user information, and map corresponding to the meter from the payment response message Like, and using the dial analyzer corresponding to the organization information to parse the image, obtain the current instrument data, and use the current instrument data and the last instrument data corresponding to the meter to calculate the electronic data information; further, the use of institutional information and users The information obtains the user account corresponding to the meter, and uses the electronic information information and the user account to create a payment bill. Or, in the second method, the agency information, the user information, the image, and the current meter data corresponding to the meter are parsed from the payment response message, and the electronic data information is calculated by using the current meter data and the last meter data corresponding to the meter; further, Use the agency information and user information to obtain the user account corresponding to the meter, and use the electronic information and user account to create a payment bill. Or, in the third way, the agency information corresponding to the meter is parsed from the payment response message, User information, images, and electronic information; further, use the agency information and user information to obtain the user account corresponding to the meter, and use the electronic information and user account to create a payment bill.

Wherein, when the payment of the meter is completed by using the payment bill, since the user information and the user information are bound to a user account, the user account can be used to complete the payment of the instrument corresponding to the institution information and the user information. . For example, if the user signs up for the withholding service, based on the payment bill, the corresponding fee can be directly deducted from the user account to complete the payment of the meter. If the user does not sign up for the withholding business, the payment bill is provided to the user, and the user completes the payment of the meter.

Based on the foregoing technical solution, in the embodiment of the present invention, the user may use the mobile terminal to collect an image including the current instrument data, and send a payment response message including the image to the server, so that the server can use the payment. Responding to the message to complete the payment, thus eliminating the need for the meter reader to manually copy the meter into the user's home, can improve the use experience, reduce labor costs, and complete the instrument payment process in a timely manner.

In the following Embodiment 4 - Embodiment 6, the first mobile terminal is a mobile terminal used by a user belonging to the meter. For example, the mobile terminal used by the owner can query the information of the first mobile terminal through the user information corresponding to the meter. The second mobile terminal is a mobile terminal used by a user authorized by the user of the meter. For example, when the landlord is not at home, the landlord can authorize the tenant in the home to complete image collection, so that the mobile terminal used by the landlord is the first mobile. The terminal, the mobile terminal used by the tenant is a second mobile terminal.

Embodiment 4

FIG. 4 is a flowchart of a method for automatic payment according to an exemplary embodiment of the present invention. As shown in FIG. 4, the method may be applied to a first mobile terminal, and may include the following steps: Step 401: Acquire first The payment notification message is used to determine whether the image is acquired by the first mobile terminal. If not, the identifier information of the authorized second mobile terminal is sent to the server, so that the server generates the second payment notification message by using the identifier information.

The server can query the user information corresponding to the meter and query the information of the first mobile terminal corresponding to the user information (such as a mobile phone number, a micro signal, etc.), so that the first The information of the mobile terminal sends the first payment notification message to the first mobile terminal.

After the user of the meter receives the first payment notification message through the first mobile terminal, if it is confirmed that the meter in the home needs to pay, when the user of the meter can perform image collection, for example, the user of the meter belongs to the home. The user of the meter can directly use the first mobile terminal for image acquisition. When the user of the meter cannot perform image collection by himself, if the user of the meter is not at home, the user who can perform image collection, such as a tenant in the home, is authorized to complete the image collection. The user of the meter sends the identification information of the user (such as a mobile phone number, an Alipay number, etc.) to the first mobile terminal, and after receiving the identification information, the first mobile terminal determines that the image is not collected by the first mobile terminal.

The identification information of the second mobile terminal may be the mobile phone number of the tenant in the home, and the like.

Step 402: Acquire a second payment notification message, and transmit the second payment notification message to the second mobile terminal, so that the second mobile terminal collects an image of the instrument that includes the current instrument data, and generates a first image including the image. The payment response message is sent to the server, so that the server uses the first payment response message to complete the payment of the meter.

In the embodiment of the present invention, the process of obtaining the first payment notification message or the second payment notification message may include, but is not limited to, the following method: when receiving the payment connection from the server, parsing the first from the payment connection The payment notification message or the second payment notification message; or, when the payment two-dimensional code is acquired, scanning the payment two-dimensional code, and parsing the first payment notification message or the second payment notification message from the payment two-dimensional code; Alternatively, the first payment notification message or the second payment notification message is obtained from a payment interface provided by a third-party platform (such as an e-commerce platform).

The user information processed by the server using the pre-configured digest algorithm to process the user data corresponding to the identification information of the second mobile terminal is added to the second payment notification message. The specific content is explained in the subsequent process.

In the embodiment of the present invention, after the second mobile terminal receives the second payment notification message, the second mobile terminal collects an image of the instrument, and the image includes the current instrument data of the instrument. Afterwards, the second mobile terminal may generate a first payment response message including the image, and send the first payment response message to the server, so that the server utilizes the first payment response message. The interest payment for the meter is completed.

For step 401, after determining whether the image is acquired by the first mobile terminal, if the determination result is yes, the first mobile terminal collects an image of the meter, and the image includes the current meter data of the meter. The first mobile terminal generates a second payment response message including the image, and sends the second payment response message to the server, so that the server uses the second payment response message to complete the payment of the instrument.

The first mobile terminal or the second mobile terminal collects an image of the meter in the meter payment interface.

In the embodiment of the present invention, the first mobile terminal (the second mobile terminal) generates a second payment response message (the first payment response message), which may include, but is not limited to, the following: from the first payment notification message (second In the payment notification message, the organization information corresponding to the meter is parsed. The dial parser corresponding to the mechanism information is obtained from the server, and the image is parsed by the dial parser to obtain the current meter data. The last instrument data corresponding to the meter is obtained from the server, and the electronic data information is calculated by using the current meter data and the last meter data. Generate a second payment response message (first payment response message) including image, organization information, user information, and electronic information.

The process of generating the second payment response message by the first mobile terminal is similar to the process of generating the first payment response message by the second mobile terminal, and the difference is mainly that the first mobile terminal parses the related content from the first payment notification message. And the second mobile terminal parses the related content from the second payment notification message. In addition, the second mobile terminal also receives a second payment notification message. The processed user data is parsed, and the processed data of the user is also included in the first payment response message generated by the second mobile terminal.

The second payment response message may be information that is not related to the first payment notification message, or may be generated by adding the collected image and the calculated electronic material information to the first payment notification message. The first payment response message may be information that is not related to the second payment notification message, or may be generated by adding the collected image and the calculated electronic material information to the second payment notification message.

In an example, the first mobile terminal may generate the second payment response message including the image, the organization information, and the user information without generating the electronic data information during the process of generating the second payment response message. In the process of generating the first payment response message, the second mobile terminal may generate the first payment response message including the image, the organization information, the user information, and the processed user data without calculating the electronic data information.

Based on the foregoing technical solution, in the embodiment of the present invention, the user may use the mobile terminal to collect an image including the current instrument data, and send a payment response message including the image to the server, so that the server can use the payment. Responding to the message to complete the payment, thus eliminating the need for the meter reader to manually copy the meter into the user's home, can improve the use experience, reduce labor costs, and complete the instrument payment process in a timely manner.

Embodiment 5

FIG. 5 is a flowchart of a method for automatic payment according to an exemplary embodiment of the present invention. As shown in FIG. 5, the method can be applied to a server. The server is a server that provides a payment function, such as an payment platform such as Alipay. The method of automatic payment may include the following steps: Step 501: The server sends a first payment notification message to the first mobile terminal. Receiving, by the mobile terminal, the identification information of the authorized second mobile terminal from the first mobile terminal, and generating the second payment notification message by using the identification information, and sending the second payment notification message to the first mobile terminal So that the first mobile terminal transmits the second payment notification message to the second mobile terminal.

The server can query the user information corresponding to the meter and query the information of the first mobile terminal corresponding to the user information (such as a mobile phone number, a micro signal, etc.), so that the first The information of the mobile terminal sends the first payment notification message to the first mobile terminal.

The user information processed by the server using the digest algorithm to process the user data corresponding to the identification information of the second mobile terminal is added to the second payment notification message.

When the image is not captured by the first mobile terminal, the first mobile terminal obtains the information (such as the mobile phone number, the payment number, etc.) of the authorized user (such as the tenant) of the user (such as the homeowner) of the meter, and then sends the image to the servo. The device sends a request to carry the information (ie, the identification information of the second mobile terminal). After receiving the request, the server locally queries the user data corresponding to the information, such as a mobile phone number, a name, an Alipay number, a micro signal, etc., and the user data is corresponding to the authorized identification information of the second mobile terminal. User profile.

Based on this, the server generates the second payment notification message by using the identification information, which may include, but is not limited to, the following manner: the server queries the user data corresponding to the identification information of the second mobile terminal from the local, and uses the pre-configured summary. The algorithm processes the user data, and adds the processed user data to the first payment notification message to obtain a second payment notification message. The digest algorithm can be a hash algorithm, a MD5 (Message Digest 5) algorithm, or the like.

Among them, the server also needs to obtain the first payment notification message. The first payment notification message may be returned by the first mobile terminal to the server, or may be stored in the local storage area media after the server sends the first payment notification message to the first mobile terminal. In addition, the processed user profile may be a digest value, and the second payment notification message is obtained by adding the digest value to the first payment notification message.

In the embodiment of the present invention, the process of sending the first payment notification message or the second payment notification message to the first mobile terminal may include, but is not limited to, sending the first payment notification message or the second payment notification message to the mobile terminal. The payment link is configured to enable the mobile terminal to parse the first payment notification message or the second payment notification message from the payment connection; or provide the mobile terminal with the payment two-dimensional code including the first payment notification message or the second payment notification message, And causing the mobile terminal to parse the first payment notification message or the second payment notification message by scanning the payment two-dimensional code; or providing the first payment notification message or the second payment notification message to the mobile terminal through the payment provided by the third-party platform.

Step 502: Receive a first payment response message from the second mobile terminal. The first payment response message includes an image of the meter collected by the second mobile terminal, and the image includes the current meter data.

Step 503: Determine whether the first payment response message is a legal payment information. If yes, go to step 504; if no, discard the first payment response message and do not pay the meter.

Step 504: Create a payment bill by using the first payment response message, and use the payment bill to complete the payment of the meter. For example, when the user of the meter subscribes to the withholding, the bill is automatically deducted directly by the bill; when the user of the meter fails to sign the bill, the bill is notified to the user of the meter, and the meter is The user pays the fee based on the payment bill, and the process will not be described again.

Wherein, when the payment of the meter is completed by using the payment bill, since the user information and the user information are bound to a user account, the user account can be used to complete the payment of the instrument corresponding to the institution information and the user information. . For example, if the user signs up for the withholding service, based on the payment bill, the corresponding fee can be directly deducted from the user account to complete the payment of the meter. If the user does not sign up for the withholding business, the payment bill is provided to the user, and the user completes the payment of the meter.

In the embodiment of the present invention, the process of determining whether the first payment response message is a legal payment information may include, but is not limited to, determining whether the user data is included in the first payment response message. If not, it is determined that the first payment response message is not a legal payment information. If yes, the user data corresponding to the identification information of the authorized second mobile terminal is processed and compared by using a pre-configured digest algorithm. The processed user data is the same as the user data contained in the first payment response message. If they are the same, it is determined that the first payment response message is a legal payment information; if not, it is determined that the first payment response message is not a legal payment information.

The user of the meter only authorizes one user to complete the image collection, that is, the first mobile terminal only transmits the second payment notification message to a second mobile terminal, and only the first payment response message sent by the second mobile terminal is It is a legal payment information. The processed user data is carried in the first payment response message sent by the second mobile terminal to the server. In addition, since the server uses the same digest algorithm to process the same user data (user data corresponding to the identification information of the second mobile terminal), the processed user data and the first payment response message are processed. Contains the same user data.

The difference is that if the user is not authorized by the user of the meter, he will not receive the second payment notification message from the first mobile terminal, and thus cannot obtain the processing carried in the second payment notification message. User profile. Therefore, the payment information sent by the second mobile terminal used by the user to the server does not carry the correct user data, and either does not carry the user data or carries a user data added by itself, The digest algorithm used by the server cannot be known. Therefore, the user data carried in the payment information is inevitably different from the user data processed by the server using the digest algorithm.

Based on the above method, the unauthorized user's attack is effectively prevented, and even if the unauthorized user sends the payment information to the server, it will not be based on Creating a payment bill for the payment information will not automatically deduct the fee by using the payment bill without the user's knowledge, and will not send the payment bill to the user of the meter to avoid the user of the meter. Troubled to avoid a decline in user experience.

In the embodiment of the present invention, after the first payment notification message is sent to the first mobile terminal, when the image is collected by the first mobile terminal, the second payment response message is received from the first mobile terminal, where the second payment response message includes The image of the instrument collected by the first mobile terminal, the image contains the current meter data, the second payment response message is used to create a payment bill, and the payment bill is used to complete the payment to the meter.

Different from the process of receiving the first payment response message, after receiving the second payment response message from the first mobile terminal, since the first mobile terminal is used by the user to which the meter belongs, the first mobile terminal is used. The second payment response message is the legal payment information. Instead of executing the judgment process of whether it is a legal payment information, the second payment response message is directly used to create a payment bill.

In the embodiment of the present invention, the process of creating a payment bill by using the first payment response message or the second payment response message may include, but is not limited to, the following method: the server parses the first payment response message or the second payment response message. The organization information and user information corresponding to the meter are obtained, and the electronic data information corresponding to the meter is obtained. Create payment bills using electronic data, institutional information, and user information.

In the embodiment of the present invention, the process of obtaining the electronic data information corresponding to the meter may include, but is not limited to, the following manner: When the electronic response information is carried in the fee response message or the second payment response message, the electronic data information can be directly analyzed from the first payment response message or the second payment response message. Or, in the second method, when the first payment response message or the second payment response message does not carry the electronic data information, the dial parser corresponding to the parsed institution information may be obtained, and the first payment is made by using the dial parser. The response message or the image in the second payment response message is parsed to obtain the current meter data. After that, the last instrument data corresponding to the meter is obtained, and the electronic data information is calculated by using the current meter data and the last meter data.

In the embodiment of the present invention, after receiving the first payment response message or the second payment response message, the server parses the image containing the current instrument data from the first payment response message or the second payment response message, and creates After paying the bill, the server saves the image on the specified storage medium to provide a basis for customer service and risk control. In addition, the server can also update the meter data for the organization information and user information, so the current meter data will be changed to the last meter data during the next payment process.

Based on the foregoing technical solution, in the embodiment of the present invention, the user may use the mobile terminal to collect an image including the current instrument data, and send a payment response message including the image to the server, so that the server can use the payment. Responding to the message to complete the payment, thus eliminating the need for the meter reader to manually copy the meter into the user's home, can improve the use experience, reduce labor costs, and complete the instrument payment process in a timely manner.

Embodiment 6

6 is a flowchart of a method for automatic payment according to an exemplary embodiment of the present invention. As shown in FIG. 6, the flowchart of the method for automatic payment may include the following steps: Step 601, the server moves to the first mobile The terminal sends a first payment notification message.

The server can query the user information corresponding to the meter and query the information of the first mobile terminal corresponding to the user information (such as a mobile phone number, a micro signal, etc.), so that the first The information of the mobile terminal sends the first payment notification message to the first mobile terminal.

Step 602: The first mobile terminal receives a first payment notification message from a server.

Step 603: The first mobile terminal determines whether an image is collected by the first mobile terminal. If yes, step 604 is performed; if no, step 606 is performed.

After the user of the meter receives the first payment notification message through the first mobile terminal, if it is confirmed that the meter in the home needs to pay, when the user of the meter can perform image collection, for example, the user of the meter belongs to the home. The user of the meter can directly use the first mobile terminal for image acquisition. When the user of the meter cannot perform image collection by himself, if the user of the meter is not at home, the user who can perform image collection, such as a tenant in the home, is authorized to complete the image collection. The user of the meter sends the identification information of the user (such as mobile phone number, Alipay number, etc.) to the first mobile terminal, and the first mobile terminal After receiving the identification information, it is determined that the image is not collected by the first mobile terminal.

Step 604: The first mobile terminal collects an image of the current instrument data, generates a second payment response message including the image, and sends the second payment response message to the server.

In the embodiment of the present invention, the process of generating the second payment response message by the first mobile terminal may include, but is not limited to, the following method: parsing the organization information corresponding to the meter from the first payment notification message. The dial parser corresponding to the mechanism information is obtained from the server, and the image is parsed by the dial parser to obtain the current meter data. The last instrument data corresponding to the meter is obtained from the server, and the electronic data information is calculated by using the current meter data and the last meter data. Generate a second payment response message including images, agency information, user information, and electronic information. The second payment response message may be information that is not related to the first payment notification message, or may be generated by adding the collected image and the calculated electronic data information to the first payment notification message. In a feasible manner, the first mobile terminal may generate the second payment response message including the image, the organization information, and the user information without generating the electronic data information in the process of generating the second payment response message.

Step 605: The server receives the second payment response message from the first mobile terminal, creates a payment bill by using the second payment response message, and uses the payment bill to complete the payment to the meter.

In the embodiment of the present invention, the server uses the second payment response message to create a payment bill, which may include, but is not limited to, the following method: the server parses the organization information corresponding to the meter from the second payment response message, User information, and obtain the electronic data information corresponding to the meter, and use the electronic data information, institutional information, user information to create a payment bill. Further, the process of obtaining the electronic data information corresponding to the meter may include, but is not limited to, the following method: when the second payment response message carries the electronic data information, the electronic data may be directly parsed from the second payment response message. News. Alternatively, when the second payment response message does not carry the electronic data information, the dial parser corresponding to the parsed agency information may be obtained, and the image in the second payment response message is parsed by using the dial parser. The current instrument data is obtained; the last instrument data corresponding to the meter is obtained, and the electronic data information is calculated by using the current meter data and the last meter data.

In the embodiment of the present invention, after receiving the second payment response message, the server parses the image including the current instrument data from the second payment response message, and after the payment bill is created, the server will specify the storage medium. Save the image to provide a basis for customer service, risk control, etc.

In addition, the server can also update the meter data for the organization information and user information, so the current meter data will be changed to the last meter data during the next payment process.

Step 606: The first mobile terminal sends the identifier information of the authorized second mobile terminal to the server, and the server receives the identifier information, and uses the identifier information to generate a second payment notification message.

Step 607: The server sends a second payment notification message to the first mobile terminal, where the first mobile terminal receives the second payment notification message, and transmits the second payment notification message to the second mobile terminal.

The user information processed by the server using the digest algorithm to process the user data corresponding to the identification information of the second mobile terminal is added to the second payment notification message.

After obtaining information about an authorized user (such as a tenant) of the user (such as a homeowner) of the meter (such as a mobile phone number, an Alipay number, etc.), the first mobile terminal sends the information to the server (ie, the second mobile terminal) The identification information) request. After receiving the request, the server locally queries the user data corresponding to the information, such as a mobile phone number, a name, an Alipay number, a micro signal, etc., and the user data is corresponding to the authorized identification information of the second mobile terminal. User profile. Based on this, the server generates the second payment notification message by using the identification information, which may include, but is not limited to, the following manner: the server queries the user data corresponding to the identification information of the second mobile terminal from the local, and uses the pre-configured summary. The algorithm processes the user data, and adds the processed user data to the first payment notification message to obtain a second payment notification message. The digest algorithm can be a hash algorithm, an MD5 algorithm, or the like.

Among them, the server also needs to obtain the first payment notification message. The first payment notification message may be returned by the first mobile terminal to the server, or may be stored in the local storage area media after the server sends the first payment notification message to the first mobile terminal. In addition, the processed user profile may be a digest value, and the second payment notification message is obtained by adding the digest value to the first payment notification message.

Step 608: The second mobile terminal collects an image of the meter that includes the current meter data, generates a first payment response message including the image, and The first payment response message is sent to the server.

In the embodiment of the present invention, the process of generating the first payment response message by the second mobile terminal may include, but is not limited to, the following method: the second mobile terminal parses the processed identification information and the corresponding information of the instrument from the second payment notification message. Institutional information. The dial parser corresponding to the mechanism information is obtained from the server, and the image is parsed by the dial parser to obtain the current meter data. The last instrument data corresponding to the meter is obtained from the server, and the electronic data information is calculated by using the current meter data and the last meter data. Generate a first payment response message including images, agency information, user information, electronic data information, and processed identification information. The first payment response message may be information that is not related to the second payment notification message, or may be generated by adding the collected image and the calculated electronic material information to the second payment notification message. In a feasible implementation manner, the second mobile terminal may generate the first payment response message, and may generate the first information including the image, the organization information, the user information, and the processed identification information without calculating the electronic data information. Payment response message.

In step 609, the server receives the first payment response message from the second mobile terminal.

In step 610, the server determines whether the first payment response message is a legal payment information. If yes, go to step 611; if no, discard the first payment response message and do not pay the meter.

In step 611, the server creates a payment bill by using the first payment response message, and uses the payment bill to complete the payment of the meter.

In the embodiment of the present invention, the server determines whether the first payment response message is The process of legal payment information may include, but is not limited to, determining whether the user information is included in the first payment response message. If not, it is determined that the first payment response message is not a legal payment information. If yes, the user data corresponding to the identification information of the authorized second mobile terminal is processed by using a pre-configured digest algorithm, and the processed user data and the user data included in the first payment response message are compared. Is it the same? If they are the same, it is determined that the first payment response message is a legal payment information; if not, it is determined that the first payment response message is not a legal payment information.

In the embodiment of the present invention, the server uses the first payment response message to create a payment bill, which may include, but is not limited to, the following method: the server parses the organization information and user information corresponding to the meter from the first payment response message. And obtain the electronic data information corresponding to the meter, and use the electronic data information, the organization information, the user information to create a payment bill. Further, the process of obtaining the electronic data information corresponding to the meter may include, but is not limited to, the following method: when the first payment response message carries the electronic data information, the electronic data may be directly parsed from the first payment response message. News. Alternatively, when the first payment response message does not carry the electronic data information, the dial parser corresponding to the parsed institution information may be obtained, and the image in the first payment response message is parsed by using the dial parser. The current instrument data is obtained; the last instrument data corresponding to the meter is obtained, and the electronic data information is calculated by using the current meter data and the last meter data.

In the embodiment of the present invention, the server receives the first payment response message. After that, the image containing the current meter data is parsed from the first payment response message. After the payment bill is created, the server saves the image in the specified storage medium to provide a basis for customer service and risk control.

In addition, the server can also update the meter data for the organization information and user information, so the current meter data will be changed to the last meter data during the next payment process.

Wherein, when the payment of the meter is completed by using the payment bill, since the user information and the user information are bound to a user account, the user account can be used to complete the payment of the instrument corresponding to the institution information and the user information. . For example, if the user signs up for the withholding service, based on the payment bill, the corresponding fee can be directly deducted from the user account to complete the payment of the meter. If the user does not sign up for the withholding business, the payment bill is provided to the user, and the user completes the payment of the meter.

Based on the foregoing technical solution, in the embodiment of the present invention, the user may use the mobile terminal to collect an image including the current instrument data, and send a payment response message including the image to the server, so that the server can use the payment. Responding to the message to complete the payment, thus eliminating the need for the meter reader to manually copy the meter into the user's home, can improve the use experience, reduce labor costs, and complete the instrument payment process in a timely manner.

For the foregoing Embodiments 1 to 6, the payment notification message may include the organization information corresponding to the meter that needs to pay the fee. In addition, according to the actual situation, the payment notification message may or may not include user information corresponding to the meter that needs to pay. The payment QR code can be a two-dimensional code containing institutional information (or institutional information and user information). As long as the QR code is scanned, the organization information can be obtained, and the meter payment interface can be provided to collect the image of the meter, and the payment QR code can be printed on the reminder. A payment link is a hyperlink that contains institutional information (or institutional information and user information). Users can click on the payment link to get institutional information, and can provide a payment interface to collect images of the meter. Payment links can be sent via PUSH, SMS, email or other means.

For the first embodiment to the sixth embodiment, in order to parse the current instrument data from the image, the image can be parsed by using a dial parser to obtain the current instrument data. The dial parser can be a modular, dynamically remotely loaded program stored by the server. Its function is to parse the current meter data from the image, such as the current reading of the water meter, the current reading of the meter, and the burning The current reading of the gas meter, etc. In practical applications, the reading mode will be different due to different instrument structure. If the instrument structure is a string of numbers, some instrument structures are pointers. Therefore, different dial parsers can be set for different instrument structures. So that the dial parser can accurately parse the current instrument data. Moreover, since the instrument structure provided by different organizations may be different, and the instrument structure provided by the same mechanism may also be different, a dial parser may be provided for each meter. When the meter structures of different meters are the same, the dial resolvers of these meters can be the same. When the meter structures of different meters are different, the dial resolvers of these meters can be different. Further, since each meter is uniquely identified by the organization information and the user information, each organization information and user information corresponds to a dial parser.

Based on this, after parsing the organization information and user information corresponding to the meter, the mobile terminal may send a download request of the dial parser to the server, where the download request carries the organization information and the user information. The server can query the mechanism information and the dial parser corresponding to the user information, and send the dial parser to the mobile terminal, and the mobile terminal uses the dial parser to parse the image.

Since each meter is uniquely identified by the organization information and the user information, each time the server obtains the meter data, the server records the currently obtained meter data for the institution information and the user information. In this way, the mobile terminal can send an acquisition request of the meter data to the server, where the acquisition request carries the organization information and the user information. The server can query the information about the institution and the meter data corresponding to the user information, and the meter data refers to the last meter data, and sends the last meter data to the mobile terminal.

Since each meter is uniquely identified by the organization information and the user information, it is also possible to maintain a charge calculator corresponding to the instrument information and the user information. The charging calculator can be a modular, dynamically remotely loaded program stored by the server. The function is to calculate the current period by combining the current meter data, the last meter data, and the unit price (support ladder price). The fee payable. Based on this, the mobile terminal can send a download request of the charging calculator to the server, where the download request carries the institution information and the user information. The server can query the institution information and the charging calculator corresponding to the user information, and send the charging calculator to the mobile terminal, and the mobile terminal uses the charging calculator to calculate the current meter data and the last meter data. Electronic information.

Among them, the electronic data information can refer to the current fees payable, such as 200 yuan.

In an actual application, the download request of the dial parser, the request for acquiring the instrument data, and the download request of the charging calculator may be the same request, that is, the mobile terminal sends a request to the server, and the server simultaneously dials the dial. The parser, the last meter data, and the charging calculator are sent to the mobile terminal.

In the above process, the correspondence between the server maintenance organization information, the user information and the dial parser/charge calculator is taken as an example. In practical applications, the server can maintain the organization information and the dial parser. / Correspondence calculator, that is, all users under the organization use the same dial parser / charging calculator, the processing flow is similar to the above, except that the user information is no longer carried in the request.

Example 7

Based on the same application concept as the above method, the embodiment of the present invention further provides an automatic payment device, and the automatic payment device is applied to the mobile terminal. As shown in FIG. 7, the device includes: an acquisition module 11 for acquiring a payment notification message; an acquisition module 12 for collecting an image of the current instrument data, and a generation module 13 for generating the inclusion a payment response message of the image; a sending module 14 configured to send the payment response message to the servo And causing the server to complete the payment of the meter by using the payment response message.

The obtaining module 11 is specifically configured to: when receiving the payment notification message, parse the payment notification message from the payment connection when receiving the payment connection from the server; or, obtain the payment When the two-dimensional code is used, the payment two-dimensional code is scanned, and the payment notification message is parsed from the payment two-dimensional code; or the payment notification message is obtained from a payment interface provided by a third-party platform.

The generating module 13 is configured to: in the process of generating a payment response message including the image, parse the mechanism information corresponding to the meter from the payment notification message, and generate the image, And the payment response message of the mechanism information and the user information; or, the agency information corresponding to the meter is parsed from the payment notification message, and the dial parser corresponding to the organization information is obtained from the server, and Parsing the image with the dial parser to obtain current meter data, and generating a payment response message including the image, the institution information, user information, and the current meter data; or The mechanism information corresponding to the meter is parsed in the payment notification message, and the dial analyzer corresponding to the mechanism information and the last meter data corresponding to the meter are obtained from the server, and the dial is parsed by using the dial Parsing the image to obtain current meter data, and calculating electronic data information by using the current meter data and the last meter data, and generating Including the image of the institution information, user information, the payment information in response to an electronic message information.

Wherein, the modules of the device of the invention can be integrated into one body, or Separate deployment. The above modules can be combined into one module, or can be further split into multiple sub-modules.

Example eight

Based on the same application concept as the above method, the embodiment of the present invention further provides an automatic payment device, and the automatic payment device is applied to the server. As shown in FIG. 8, the device includes: a sending module 21, configured to send a payment notification message to the mobile terminal, so that the mobile terminal collects a map of the current instrument data after receiving the payment notification message. a receiving module 22, configured to receive a payment response message including the image from the mobile terminal; a payment module 23, configured to create a payment bill by using the payment response message, and use the payment account The payment for the meter is completed.

The sending module 21 is configured to: in the process of sending a payment notification message to the mobile terminal, send a payment link including the payment notification message to the mobile terminal, so that the mobile terminal parses the a payment notification message; or, the mobile terminal is provided with a payment two-dimensional code including the payment notification message, so that the mobile terminal parses the payment notification message by scanning the payment two-dimensional code; or, through a third-party platform The payment media provides a payment notification message to the mobile terminal.

The payment module 23 is specifically configured to parse the agency information, the user information, and the image corresponding to the meter from the payment response message during the process of creating the payment bill by using the payment response message, and Use The dial parser corresponding to the organization information parses the image to obtain current meter data, and uses the current meter data and the last meter data corresponding to the meter to calculate electronic data information; or, from the payment Corresponding to the information, the user information, the image, the current meter data corresponding to the meter, and calculating the electronic data by using the current meter data and the last meter data corresponding to the meter; or Decoding the agency information, user information, images, and electronic data information corresponding to the meter in the payment response message; using the organization information and the user information to obtain a user account corresponding to the meter, and using the The electronic information information and the user account create a payment bill.

Wherein, the modules of the device of the present invention can be integrated into one body, and can also be separately deployed. The above modules can be combined into one module, or can be further split into multiple sub-modules.

Example nine

Based on the same application concept as the above method, the embodiment of the present invention further provides an automatic payment device, and the automatic payment device is applied to the first mobile terminal. As shown in FIG. 9, the device includes: an obtaining module 31, configured to acquire a first payment notification message, determine whether an image is collected by the first mobile terminal, and if not, send the identification information of the authorized second mobile terminal. Giving the server, causing the server to generate a second payment notification message by using the identification information to obtain a second payment notification message;

The sending module 32 is configured to transmit the second payment notification message to the second mobile terminal, so that the second mobile terminal collects an image of the meter that includes the current meter data, and generates the image including the image. And transmitting, by the first payment response message, the first payment response message to the server, so that the server completes payment of the meter by using the first payment response message.

The automatic payment device further includes (not shown): a generating module, configured to: after determining whether the image is collected by the first mobile terminal, if yes, collecting an image of the current instrument data of the meter Generating a second payment response message including the image; the sending module 32 is further configured to send the second payment response message to the server, so that the server utilizes the second The payment response message completes the payment for the meter.

The generating module is specifically configured to parse, from the first payment notification message, the mechanism information corresponding to the meter in the process of generating a second payment response message including the image; from the server Obtaining a dial parser corresponding to the mechanism information, parsing the image by using the dial parser to obtain current meter data; acquiring last instrument data corresponding to the meter from the server, and utilizing The current meter data and the last meter data calculate electronic data information; and generate a second payment response message including the image, the institution information, user information, and the electronic data information.

In the embodiment of the present invention, the obtaining module 31 is specifically configured to be in the process of acquiring the first payment notification message or the second payment notification message. When receiving the payment link from the server, parsing the first payment notification message or the second payment notification message from the payment connection; or, when acquiring the payment two-dimensional code, scanning the payment two-dimensional code And parsing the first payment notification message or the second payment notification message from the payment two-dimensional code; or acquiring the first payment notification message or the second payment from the payment interface provided by the third-party platform Notification message.

Wherein, the modules of the device of the present invention can be integrated into one body, and can also be separately deployed. The above modules can be combined into one module, or can be further split into multiple sub-modules.

Example ten

Based on the same application concept as the above method, the embodiment of the present invention further provides an automatic payment device, and the automatic payment device is applied to the server. As shown in FIG. 10, the apparatus includes: a sending module 41, configured to send a first payment notification message to the first mobile terminal, and receive an authorized from the first mobile terminal when the image is not collected by the first mobile terminal. And identifying, by the second mobile terminal, the second payment notification message by using the identification information, and sending the second payment notification message to the first mobile terminal, so that the first mobile terminal transmits the second payment notification message to the second mobile The receiving module 42 is configured to receive a first payment response message from the second mobile terminal, where the first payment response message includes an image of the instrument collected by the second mobile terminal, where the image includes current instrument data; a group 43, configured to determine whether the first payment response message is The processing module 44 is configured to: when the determination result is yes, create a payment bill by using the first payment response message, and complete payment of the meter by using the payment bill.

The sending module 41 is configured to: in the process of generating the second payment notification message, query the user data corresponding to the identification information, and process the user data by using a pre-configured digest algorithm, and process the processed data. The user profile is added to the first payment notification message to obtain a second payment notification message; the determining module 43 is specifically configured to determine, in the process of determining whether the first payment response message is a legal payment information, Determining whether the first payment response message includes user data; if not, determining that the first payment response message is not legal payment information; if included, using the digest algorithm to the authorized second mobile terminal Processing the user data corresponding to the identification information, and comparing whether the processed user data is the same as the user data included in the first payment response message; if the same, determining that the first payment response message is legal Payment information; if not, it is determined that the first payment response message is not a legal payment information.

The receiving module 42 is further configured to receive a second payment response message from the first mobile terminal when the image is collected by the first mobile terminal, where the second payment response message includes the An image of the meter collected by the mobile terminal, where the image includes current meter data; the processing module 44 is further configured to receive the second payment back When the message is received, the payment bill is created by using the second payment response message, and the payment of the meter is completed by using the payment bill.

The processing module 44 is specifically configured to respond to the first payment response message or the second payment in the process of creating a payment bill by using the first payment response message or the second payment response message. The information about the device corresponding to the meter, the user information, the image, and the electronic data information are parsed in the message; the user account corresponding to the meter is obtained by using the organization information and the user information, and the electronic data is utilized Information and the user account create a bill of payment.

The sending module 41 is specifically configured to send, in the process of sending the first payment notification message or the second payment notification message to the first mobile terminal, the first payment notification message or the first a payment link of the second payment notification message, so that the mobile terminal parses the first payment notification message or the second payment notification message from the payment connection; or provides the mobile terminal with the first payment Notifying the message or the payment two-dimensional code of the second payment notification message, so that the mobile terminal parses the first payment notification message or the second payment notification message by scanning the payment two-dimensional code; or, through a third party The payment provider provided by the platform provides the first payment notification message or the second payment notification message to the mobile terminal.

Wherein, the modules of the device of the present invention can be integrated into one body, and can also be separately deployed. The above modules can be combined into one module, or can be further split into multiple sub-modules.

Through the description of the above embodiments, the general knowledge in the field It will be clearly understood that the present invention can be implemented by means of a software plus a necessary universal hardware platform, and of course also by hardware, but in many cases the former is a better embodiment. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product in essence or in the form of a software product stored in a storage medium, including a plurality of instructions for making one A computer device (which may be a personal computer, a server, or a network device, etc.) performs the methods described in various embodiments of the present invention. A person skilled in the art can understand that the drawings are only a schematic diagram of a preferred embodiment, and the modules or processes in the drawings are not necessarily required to implement the invention.

It will be understood by those skilled in the art that the modules in the devices in the embodiments may be distributed in the devices of the embodiments as described in the embodiments, or may be correspondingly changed in one or more devices different from the embodiment. The modules of the above embodiments may be combined into one module, or may be further split into multiple sub-modules. The serial numbers of the embodiments of the present invention are merely for the description, and do not represent the advantages and disadvantages of the embodiments.

The above disclosure is only a few specific embodiments of the present invention, but the present invention is not limited thereto, and any changes in the art that can be considered by those skilled in the art should fall within the protection scope of the present invention.

Claims (30)

An automatic payment method is applied to a mobile terminal, comprising: acquiring a payment notification message; collecting an image of the current instrument data of the instrument; generating a payment response message including the image, and transmitting the payment response message to The server, so that the server completes the payment of the meter by using the payment response message. The method of claim 1, wherein the process of obtaining the payment notification message specifically includes: parsing the payment notification message from the payment link when receiving the payment link from the server; or When the payment QR code is obtained, the payment two-dimensional code is scanned, and the payment notification message is parsed from the payment two-dimensional code; or the payment notification message is obtained from the payment interface provided by the third-party platform. The method of claim 1, wherein the generating the payment response message including the image comprises: parsing the institution information corresponding to the meter from the payment notification message, and generating the image a payment response message such as the information of the institution and the user information; or, the agency information corresponding to the meter is parsed from the payment notification message, and the dial parser corresponding to the institution information is obtained from the server, and the table is used The disk parser parses the image to obtain the current instrument data, and produces The student includes the image, the institution information, the user information, and the payment response message of the current meter data; or, the agency information corresponding to the meter is parsed from the payment notification message, and the information corresponding to the institution information is obtained from the server. The dial parser and the last meter data corresponding to the meter, and use the dial parser to parse the image to obtain current meter data, and use the current meter data and the last meter data to calculate electronic data information, And generate a payment response message including the image, the institution information, the user information, and the electronic information. A method for automatically paying a fee, which is applied to a server, and includes: sending a payment notification message to the mobile terminal, so that the mobile terminal collects an image of the current instrument data after receiving the payment notification message; A payment response message from the mobile terminal including the image; a payment bill is created using the payment response message, and the payment of the meter is completed using the payment bill. The method of claim 4, wherein the transmitting the payment notification message to the mobile terminal comprises: transmitting a payment link including the payment notification message to the mobile terminal, so that the mobile terminal pays the payment The payment notification message is parsed in the connection; or the mobile terminal is provided with the payment two-dimensional code including the payment notification message, so that the mobile terminal parses the payment notification message by scanning the payment two-dimensional code; or A payment notification message is provided to the mobile terminal through a payment provided by a third-party platform. The method of claim 4, wherein the process of creating a payment bill by using the payment response message comprises: parsing the agency information, user information, and map corresponding to the instrument from the payment response message. Like, and using the dial analyzer corresponding to the information of the institution to parse the image, obtain the current meter data, and use the current meter data and the last meter data corresponding to the meter to calculate the electronic data information; or, from the payment The response message parses out the institution information, the user information, the image, the current meter data corresponding to the meter, and uses the current meter data and the last meter data corresponding to the meter to calculate the electronic data information; or, from the payment response message The agency information, user information, images, and electronic data information corresponding to the meter are parsed; the user information corresponding to the meter is obtained by using the institution information and the user information, and the electronic data information and the user account are utilized. Create a bill of payment. An automatic payment device is applied to a mobile terminal, wherein the device comprises: an acquisition module, configured to obtain a payment notification message; an acquisition module, configured to collect an image of the current instrument data, and generate a module, The sending module is configured to generate a payment response message including the image, and the sending module is configured to send the payment response message to the server, so that the server uses the payment response message to complete the payment of the instrument. The device of claim 7, wherein the obtaining module is configured to parse the payment link from the server when receiving the payment link from the server during the process of obtaining the payment notification message. The payment notification message; or, when the payment two-dimensional code is obtained, scanning the payment two-dimensional code, and parsing the payment notification message from the payment two-dimensional code; or obtaining from the payment interface provided by the third-party platform The payment notification message. The device of claim 7, wherein the generating module is configured to parse the institution information corresponding to the meter from the payment notification message in the process of generating a payment response message including the image. And generating a payment response message including the image, the institution information, and the user information; or, parsing the institution information corresponding to the meter from the payment notification message, and obtaining the dial resolution corresponding to the institution information from the server And using the dial parser to parse the image to obtain current meter data, and generate a payment response message including the image, the institution information, the user information, and the current meter data; or, from the payment The notification message parses out the organization information corresponding to the meter, obtains the dial parser corresponding to the institution information from the server, and the last instrument data corresponding to the meter, and parses the image by using the dial parser. Obtaining current meter data, and calculating the electronic data information by using the current meter data and the last meter data, and generating the image, The organization's information, user information, and payment response information for the electronic information. An automatic payment device is applied to a server, wherein the device comprises: a sending module, configured to send a payment notification message to the mobile terminal, so that the mobile terminal collects an image of the current instrument data after receiving the payment notification message; and the receiving module is configured to receive the mobile terminal from the mobile terminal The payment response message including the image; the payment module is configured to create a payment bill by using the payment response message, and use the payment bill to complete the payment of the instrument. The device of claim 10, wherein the transmitting module is specifically configured to send a payment link including the payment notification message to the mobile terminal during the process of transmitting the payment notification message to the mobile terminal, so as to move The terminal parses the payment notification message from the payment link; or provides the mobile terminal with a payment two-dimensional code including the payment notification message, so that the mobile terminal parses the payment notification message by scanning the payment two-dimensional code; or The payment notification message provided by the third party platform is provided to the mobile terminal. The device of claim 10, wherein the payment module is specifically configured to parse the institution information corresponding to the instrument from the payment response message during the process of creating a payment bill by using the payment response message. User information, image, and using the dial analyzer corresponding to the information of the institution to parse the image, obtain the current meter data, and use the current meter data and the last meter data corresponding to the meter to calculate the electronic data information. Or, the agency information, the user information, the image, the current meter data corresponding to the meter are parsed from the payment response message, and the current meter data and the last meter data corresponding to the meter are used to calculate the electronic Information information; or, from the payment response message, the agency information, user information, images, and electronic data information corresponding to the meter are parsed; the user information and the user information are used to obtain the user account corresponding to the meter, and Use the electronic profile information and the user account to create a payment bill. An automatic payment method is applied to the first mobile terminal, where the method includes: acquiring a first payment notification message, determining whether an image is collected by the first mobile terminal; and if not, identifying the authorized second mobile terminal Sending to the server, so that the server generates the second payment notification message by using the identification information; acquiring a second payment notification message, and transmitting the second payment notification message to the second mobile terminal; The mobile terminal collects an image of the current instrument data, generates a first payment response message including the image, and sends the first payment response message to the server, so that the server responds with the first payment. The message completes the payment for the meter. The method of claim 13, wherein the method further comprises: if yes, collecting an image of the meter containing the current meter data, and generating The second payment response message of the image is included, and the second payment response message is sent to the server, so that the server uses the second payment response message to complete the payment of the instrument. The method of claim 14, wherein the generating the second payment response message of the image comprises: parsing the institution information corresponding to the meter from the first payment notification message; The server obtains a dial parser corresponding to the mechanism information, and parses the image by using the dial parser to obtain current instrument data; obtains the last instrument data corresponding to the meter from the server, and uses the current The meter data and the last meter data are used to calculate electronic data information; and a second payment response message including the image, the institution information, the user information, and the electronic data information is generated. The method of any one of the preceding claims, wherein the obtaining the first payment notification message or the second payment notification message comprises: upon receiving the payment link from the server, Parsing the first payment notification message or the second payment notification message from the payment link; or, when acquiring the payment two-dimensional code, scanning the payment two-dimensional code, and parsing the first from the payment two-dimensional code a payment notification message or a second payment notification message; or the first payment notification message or the second payment notification message is obtained from a payment interface provided by a third-party platform. An automatic payment method, applied to a server, includes: transmitting a first payment notification message to a first mobile terminal, and receiving a grant from the first mobile terminal when the image is not collected by the first mobile terminal And identifying, by the second mobile terminal, the second payment notification message, and generating the second payment notification message, and sending the second payment notification message to the first mobile terminal, so that the first mobile terminal sends the second payment notification message Transmitting to the second mobile terminal; receiving a first payment response message from the second mobile terminal, where the first payment response message includes an image of the meter collected by the second mobile terminal, where the image includes current meter data; Determining whether the first payment response message is a legal payment information; if yes, using the first payment response message to create a payment bill, and using the payment bill to complete the payment of the instrument. The method of claim 17, wherein the process of generating the second payment notification message by using the identification information comprises: querying user data corresponding to the identification information, and using the pre-configured digest algorithm for the use. The data is processed, and the processed user data is added to the first payment notification message to obtain a second payment notification message; and the process of determining whether the first payment response message is a legal payment information includes: determining the Whether the user information is included in the first payment response message; if not, it is determined that the first payment response message is not legal payment information; if included, the identification information of the authorized second mobile terminal is utilized by the digest algorithm Corresponding user data is processed, and the processed user data is compared with the user data included in the first payment response message; if the same, the first payment response message is determined to be legal payment information; if not Same, determine the first payment The fee response message is not a legal payment message. The method of claim 17, wherein the method further comprises: receiving, by the first mobile terminal, a second payment response message from the first mobile terminal, the second payment response The message includes an image of the meter collected by the first mobile terminal, the image includes the current meter data; the payment bill is created by using the second payment response message, and the payment of the meter is completed by using the payment bill. The method of claim 19, wherein the process of creating a payment bill by using the first payment response message or the second payment response message comprises: the first payment response message or the second The payment response message parses out the institution information, user information, image, and electronic data information corresponding to the meter; uses the institution information and the user information to obtain a user account corresponding to the meter, and uses the electronic data information and the The user account creates a payment bill. The method of any one of the preceding claims, wherein the transmitting the first payment notification message or the second payment notification message to the first mobile terminal comprises: transmitting to the mobile terminal And including a payment link of the first payment notification message or the second payment notification message, so that the mobile terminal parses the first payment notification message or the second payment notification message from the payment connection; or Providing, to the mobile terminal, a payment two-dimensional code including the first payment notification message or the second payment notification message, so that the mobile terminal parses the first payment notification message or the second payment notification by scanning the payment two-dimensional code The message; or the payment device provided by the third-party platform provides the first payment notification message or the second payment notification message to the mobile terminal. An automatic payment device, which is applied to the first mobile terminal, and includes: an acquisition module, configured to acquire a first payment notification message, determine whether an image is collected by the first mobile terminal; if not, an authorized second The identification information of the mobile terminal is sent to the server, so that the server generates the second payment notification message by using the identification information to obtain a second payment notification message, and the sending module is configured to transmit the second payment notification message to the server a second mobile terminal, so that the second mobile terminal collects an image of the current meter data of the meter, generates a first payment response message including the image, and sends the first payment response message to the server, to The server is caused to complete the payment of the meter by using the first payment response message. The device of claim 22, further comprising: a generating module, configured to: after determining whether the image is acquired by the first mobile terminal, if yes, collecting an image of the meter including the current meter data Generating a second payment response message including the image; the sending module is further configured to send the second payment response message to the server, so that the server finishes using the second payment response message The payment of the meter. The device of claim 23, wherein the generating module is specifically configured to parse the meter from the first payment notification message in the process of generating a second payment response message including the image Corresponding organization information; obtaining a dial parser corresponding to the mechanism information from the server, using the dial parser to parse the image to obtain current instrument data; and obtaining the last instrument corresponding to the instrument from the server Data, and using the current meter data and the last meter data to calculate electronic data information; generating a second payment response message including the image, the institution information, the user information, and the electronic data information. The device according to any one of claims 22-24, wherein the obtaining module is specifically configured to receive the servo from the server during the process of acquiring the first payment notification message or the second payment notification message. When the payment link of the device is connected, the first payment notification message or the second payment notification message is parsed from the payment link; or, when the payment two-dimensional code is acquired, the payment two-dimensional code is scanned, and the two-dimensional code is paid from the payment The first payment notification message or the second payment notification message is parsed in the code; or the first payment notification message or the second payment notification message is obtained from the payment interface provided by the third-party platform. An automatic payment device is applied to a server, where the device includes: a sending module, configured to send a first payment notification message to the first mobile terminal, and receive the image from the first when the image is not collected by the first mobile terminal mobile The identification information of the authorized second mobile terminal of the terminal, the second payment notification message is generated by using the identification information, and the second payment notification message is sent to the first mobile terminal, so that the first mobile terminal sends the second payment notification message. Transmitted to the second mobile terminal; the receiving module is configured to receive a first payment response message from the second mobile terminal, where the first payment response message includes an image of the instrument collected by the second mobile terminal, where the image includes the current meter The data processing unit is configured to determine whether the first payment response message is a legal payment information; and the processing module is configured to: when the determination result is yes, create a payment bill by using the first payment response message, and use The payment bill completes the payment for the meter. The device of claim 26, wherein the sending module is configured to query user data corresponding to the identification information in the process of generating the second payment notification message, and use a pre-configured digest algorithm The user data is processed, and the processed user data is added to the first payment notification message to obtain a second payment notification message. The determining module is specifically configured to determine whether the first payment response message is legal. In the process of payment information, it is determined whether the first payment response message includes user data; if not, it is determined that the first payment response message is not legal payment information; if included, the digest algorithm is authorized Processing the user data corresponding to the identification information of the second mobile terminal, and comparing the processed user data with the first payment Whether the user data contained in the fee response message is the same; if the same, it is determined that the first payment response message is legal payment information; if not, it is determined that the first payment response message is not legal payment information. The device of claim 26, wherein the receiving module is further configured to receive a second payment response message from the first mobile terminal when the image is captured by the first mobile terminal, the The second payment response message includes an image of the meter collected by the first mobile terminal, where the image includes current meter data, and the processing module is further configured to use the second payment response message when receiving the second payment response message. The second payment response message creates a payment bill and uses the payment bill to complete the payment for the meter. The device of claim 28, wherein the processing module is specifically configured to: in the process of creating a payment bill by using the first payment response message or the second payment response message, from the first payment In response to the message or the second payment response message, the agency information, user information, images, and electronic data corresponding to the meter are parsed; the user information and the user information are used to obtain the user account corresponding to the meter, and the user account is utilized and utilized. The electronic profile information and the user account create a payment bill. The device according to any one of claims 26 to 29, wherein the transmitting module is specifically configured to send a first payment notification message or a second payment notification message to the first mobile terminal. Sending, to the mobile terminal, the first payment notification message or the second payment notification message The payment link is configured to enable the mobile terminal to parse the first payment notification message or the second payment notification message from the payment link; or provide the mobile terminal with the first payment notification message or the second payment notification message Paying a two-dimensional code to enable the mobile terminal to parse the first payment notification message or the second payment notification message by scanning the payment two-dimensional code; or providing the mobile terminal with a payment interface provided by a third-party platform A payment notification message or a second payment notification message.