WO2016086799A1 - 支付方法及装置 - Google Patents

支付方法及装置 Download PDF

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Publication number
WO2016086799A1
WO2016086799A1 PCT/CN2015/095831 CN2015095831W WO2016086799A1 WO 2016086799 A1 WO2016086799 A1 WO 2016086799A1 CN 2015095831 W CN2015095831 W CN 2015095831W WO 2016086799 A1 WO2016086799 A1 WO 2016086799A1
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Prior art keywords
user
payment
merchant
payment account
login
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English (en)
French (fr)
Inventor
李庆丰
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Alibaba Group Holding Ltd
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Alibaba Group Holding Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/29—Payment schemes or models characterised by micropayments

Definitions

  • the present application relates to the field of mobile payment technologies, and in particular, to a payment method and apparatus.
  • the mobile payment method is a single account payment method, that is, when a user pays a merchant, only one account can make a full payment to the merchant.
  • the user pays the merchant by means of mobile payment only one of the users can pay the merchant in full, after the user completes the payment, Other users need to make payment to the payer. It can be seen that in the case where multiple people need to share the bill, the process of the user completing the joint payment through the mobile payment is complicated, and multiple users cannot directly participate in the payment, only in the case of After the payer pays, the payment is made to the payer, and the user experience paid by the user is not satisfactory.
  • the present application aims to solve at least one of the technical problems in the related art to some extent.
  • the first object of the present application is to propose a payment method that allows a plurality of users to directly participate in payment without paying to the payer, simplifying the payment process of the co-payment.
  • a second object of the present application is to propose a payment device.
  • the first aspect of the present application provides a payment method, including: receiving a payment request from a merchant, determining, according to the payment request, a qualified payment account list including at least one user, and Returning the list of payment accounts; determining an amount to be paid by each user's payment account in the payment account list; and transmitting a payment instruction to the terminal of the corresponding user according to the amount of the payment account to be paid by each user, and receiving according to the The confirmation payment instruction from the terminal corresponding to the user completes the payment operation.
  • the payment method of the embodiment of the present application receives a payment request from a merchant, determines a qualified payment account list including at least one user according to the payment request, and returns a payment account list to the merchant; and determines a payment account of each user in the payment account list.
  • the amount to be paid and sending a payment instruction to the terminal of the corresponding user according to the amount to be paid by each user's payment account, and completing the payment operation according to the received confirmation payment instruction from the terminal of the corresponding user, relative to the existing single account
  • the payment method, the multiple users of this embodiment directly participate in the payment without paying the payer, simplifying the payment process of the co-payment.
  • the second aspect of the present application provides a payment apparatus, including: a processing module, configured to receive a payment request from a merchant, and determine, according to the payment request, a qualified payment account list including at least one user. Returning the payment account list to the merchant; determining a module, configured to determine an amount to be paid by each user's payment account in the payment account list; and a payment module, configured to wait for each user's payment account The amount of payment is sent to the terminal of the corresponding user, and the payment operation is completed according to the received confirmation payment instruction from the terminal of the corresponding user.
  • the payment device of the embodiment of the present application receives a payment request from a merchant through a processing module, determines a qualified payment account list including at least one user according to the payment request, and returns a payment account list to the merchant; and determines a payment account list by the determining module.
  • the amount to be paid by each user's payment account; and the payment module sends a payment instruction to the corresponding user's terminal according to the amount to be paid by each user's payment account, and according to the received confirmation payment instruction from the corresponding user's terminal
  • the payment operation with respect to the existing single-account payment method, the plurality of users of the embodiment directly participate in the payment without paying to the payer, simplifying the payment process of the co-payment.
  • FIG. 1 is a flow chart of a payment method in accordance with an embodiment of the present application.
  • FIG. 2 is a schematic structural diagram of a payment apparatus according to an embodiment of the present application.
  • FIG. 3 is a schematic structural diagram of a payment apparatus according to another embodiment of the present application.
  • the payment method includes:
  • S101 Receive a payment request from a merchant, determine a qualified payment account list including at least one user according to the payment request, and return a payment account list to the merchant.
  • the merchant background sets the amount paid by the user according to the consumption situation of the user, and sends a payment request to the payment system.
  • the payment system receives the payment request from the merchant, and obtains the location information of the merchant from the pre-saved data, and filters one or more login users whose distance from the merchant is within a preset range according to the location information of the merchant as the first payment.
  • the payment request includes a payment method, and the payment method may include two modes, that is, single-user payment. And multi-user payment, the merchant can choose the way the user pays according to the situation. The following is described in the form of multi-user payment.
  • the preset range may be defaulted in the payment system, or may be set by the merchant according to requirements. For example, the preset range of the user setting is 200 meters.
  • users can pay for goods or services they consume through cash payment, bank card or mobile payment.
  • the user can log in through the mobile payment client in the terminal.
  • the system receives and records related information when the user logs in, where the related information may be one or more of the identification information of the login user, the login time, and the type of the login terminal.
  • the type of the user login terminal can be a tablet or a smart phone.
  • the payment system can record the Internet Protocol Address (IP address) of the login user, the login time, and the type of the login terminal are tablets.
  • IP address Internet Protocol Address
  • the payment system records the login time of the user and the login terminal, which facilitates subsequent analysis based on the login time and the login terminal, and obtains the user's operation behavior and usage habits.
  • the login time of the user and the login terminal can also provide a basis for judging the security of the user's account.
  • the payment system can obtain the common login time of the user and the commonly used login terminal by analyzing the login time of the user in the history record and the login terminal.
  • the current login time of the user and the current login terminal may be determined, that is, whether the current login time is the common login time of the user, and whether the current login terminal is a common login terminal of the user.
  • the payment system can also obtain and save the current location information of the logged-in user. Specifically, after the user logs in to the payment system through a terminal such as a mobile phone or a tablet computer, a positioning device in the terminal, such as a Global Positioning System (GPS) device, acquires current location information of the logged-in user, and sends the logged-in user to the payment system. Current location information, the payment system receives and saves the current location information of the logged-in user.
  • GPS Global Positioning System
  • the payment system may send the logged-in user the merchant information selected by the logged-in user according to the current location information, and receive the merchant selected by the logged-in user, so that the merchant selects to pay according to the visible logged-in user.
  • the user in the account list may send the logged-in user the merchant information selected by the logged-in user according to the current location information, and receive the merchant selected by the logged-in user, so that the merchant selects to pay according to the visible logged-in user. The user in the account list.
  • the one or more merchant information within the predetermined range of the terminal of the login user may be obtained according to the location information of the login user, and the corresponding merchant is pushed to the terminal of the login user.
  • Information, at this time, the merchant information pushed by the payment system is displayed on the terminal of the logged-in user, and the logged-in user can select and set the visible to the corresponding merchant according to the need.
  • the logged-in user can select the corresponding merchant according to the requirement, the terminal receives the merchant selected by the user, and sends the selected merchant to the payment system, and the payment system receives the Log in to the selected merchant, and set the user's account to be visible to the corresponding merchant according to the user's choice.
  • the payment system monitors the terminal corresponding to the login user
  • the frequency is shaken (for example, when the user shakes the terminal)
  • the merchant information within the predetermined range may be obtained according to the current location information of the terminal, and the obtained merchant information is transmitted to the corresponding terminal.
  • the terminal receives the merchant information sent by the payment system, and displays the merchant information in the form of a list.
  • the terminal receives the login user to select the corresponding merchant according to the requirement, and sends the corresponding merchant to the payment system, and the payment system receives the merchant information sent by the terminal, and according to the user. The choice to set the user's account is visible to the corresponding merchant.
  • the payment system may filter one or more login users within 200 meters from the merchant preset range according to the location information of the merchant, and display one or more on the merchant terminal. Log in to the user's first payment account list.
  • the corresponding user account is selected from the first payment account list, and the confirmed plurality of user accounts are sent to the payment system, and the payment system receives the user account information.
  • the back merchant returns a second payment account list containing the corresponding user account, such that the payment page containing the second payment account list is displayed on the merchant's terminal.
  • the first payment account list containing 4 user accounts is displayed on the terminal of the merchant, and the first two user accounts are assumed to be corresponding payment users.
  • the merchant selects the corresponding user account and pays the payment.
  • the system sends a corresponding user account, and the payment system receives the account information sent by the merchant, and returns a second payment account list including the corresponding user account to the merchant, so that the payment page including the second payment account list is displayed on the terminal of the merchant.
  • the payment system may further send a notification message to the plurality of login users to notify the login user whether the payment request initiated by the merchant is supported, and if so, Confirmation of support, so that the payment system can be used as a user in the payment account list according to the received login user, and provided to the merchant.
  • the list of the payment accounts including the at least one user that is qualified is determined, and the account in the payment account list may be the manner specified by the merchant and the manner of the user selection, and may also have other manners. Make special restrictions.
  • first payment account list and the second payment account list include account information of the corresponding login user, for example, an account number and an avatar icon corresponding to the login user, and the second account list only includes the co-payment. Account information for multiple payers.
  • S102 Determine an amount to be paid by each user's payment account in the payment account list.
  • the payment system returns a second payment account list to the merchant, and returns a sharing mode supported by the payment system to the merchant.
  • the terminal receives the second payment account list and the corresponding sharing mode, and displays the second payment account list on the terminal.
  • the payment method of the payment method in which the payment system can support a variety of sharing methods, for example, the average user share the amount, the proportion or the amount of each user share, etc., the default is the average share of the payment system or The average share ratio.
  • the merchant can use the default average sharing amount or the average sharing ratio, and can also set the amount or proportion of each user's payment account sharing according to the user's needs.
  • the second payment account list includes the corresponding payment account A of three users. , B, C, assume that the total amount of consumption by the three users is 300.
  • the merchant can confirm the sharing mode to the user. If the user chooses the method of sharing the average amount, the merchant can use the default average sharing amount according to the user's choice. The way, that is, each payment account pays 100 each. If the user chooses to share the proportion, the proportion of the payment account A is 50%, the proportion of the payment account B is 25%, and the proportion of the payment account C is 25%.
  • the merchant can set each payment according to the user's designation.
  • the ratio of account sharing after the user confirms the proportion of payment, the merchant sends an confirmation instruction to the payment system, and the payment system determines the amount to be paid by each user's payment account in the second payment account list according to the confirmation instruction.
  • the payment system may obtain the total amount to be paid and the proportion information of each user's payment account to be paid, and determine each of the second payment account list according to the total amount and the proportion information.
  • the amount of the user's payment account to be paid is 300 yuan, assuming that the second payment account list includes the corresponding payment accounts A, B, and C of the three users, and the proportion of each payment account sharing A, B, and C is 50 respectively. %, 25%, 25%, the payment system can calculate the amount of the payment account A, B, C respectively is 150 yuan, 75 yuan, 75 yuan.
  • the payment system calculates an amount to be paid by each user's payment account, and generates a payment document including the amount to be paid by the corresponding account, and sends a payment instruction including the payment document to the terminal of the corresponding user, and the corresponding user terminal receives the payment instruction. And after confirming the payment receipt, a confirmation payment instruction is sent to the payment system. The payment system receives the confirmation payment instruction from the terminal of the corresponding user and completes the payment operation according to the confirmation payment instruction.
  • the payment method of this embodiment can be applied in many scenarios. For example, when a user wants to shop for a more expensive product in the process of shopping in a shopping mall, and the user's account funds are insufficient, the user can be surrounded by multiple friends. The plurality of accounts complete the payment together, and thus it can be seen that the payment success rate can also be improved by the method of co-payment of this embodiment.
  • the payment method of the embodiment of the present application receives a payment request from a merchant, determines a qualified payment account list including at least one user according to the payment request, and returns a payment account list to the merchant; and determines a payment account of each user in the payment account list.
  • the amount to be paid and sending a payment instruction to the terminal of the corresponding user according to the amount to be paid by each user's payment account, and completing the payment operation according to the received confirmation payment instruction from the terminal of the corresponding user, relative to the existing single account
  • the payment method, the multiple users of this embodiment directly participate in the payment without paying the payer, simplifying the payment process of the co-payment.
  • the present application also proposes a payment device.
  • the apparatus includes: a processing module 100, a determining module 200, and a payment module 300, where:
  • the processing module 100 is configured to receive a payment request from a merchant, determine, according to the payment request, a qualified payment account list including one less user, and return a payment account list to the merchant; the determining module 200 is configured to determine each user in the payment account list.
  • the payment account is to be paid an amount; and the payment module 300 is configured to send a payment instruction to the terminal of the corresponding user according to the amount to be paid by the payment account of each user, and complete the payment operation according to the received confirmation payment instruction from the terminal of the corresponding user.
  • the payment request includes a payment method, and the payment method may include two modes, namely, single-user payment and multi-user payment, and the merchant may select a payment method according to the situation. It should be noted that this embodiment describes the multi-user payment in a payment manner.
  • the processing module 100 is specifically configured to: obtain location information of the merchant, and filter, according to the location information, one or more login users that are within a preset range from the merchant as the user in the payment account list.
  • the preset range may be defaulted in the payment system, or may be set by the merchant according to requirements.
  • the preset range of the user setting is 200 meters.
  • the foregoing apparatus may further include a saving module 400, configured to filter, by the processing module 100, one or more login users whose distance from the merchant is within a preset range according to the location information.
  • the processing module 100 configured to filter, by the processing module 100, one or more login users whose distance from the merchant is within a preset range according to the location information.
  • the related information includes one or more of the login user's identification information, the login time, and the type of the login terminal; and the current location information of the login user is obtained and saved.
  • the related information may be one or more of the identification information of the login user, the login time, and the type of the login terminal.
  • the type of user login terminal can be a type such as a tablet or a smart phone.
  • the user logs in to the mobile payment client through the tablet, and the saving module 400 can record and save the Internet Protocol Address (IP address) of the login user, the login time, and the type of the login terminal as a tablet.
  • IP address Internet Protocol Address
  • the user's login time and the login terminal are recorded and saved, which facilitates subsequent analysis based on the login time and the login terminal, and obtains the user's operation behavior and usage habits.
  • the login time of the user and the login terminal can also provide a basis for judging the security of the user's account.
  • the payment system can obtain the common login time of the user and the commonly used login terminal by analyzing the login time of the user in the history record and the login terminal.
  • the current login time of the user and the current login terminal may be determined, that is, whether the current login time is the common login time of the user, and whether the current login terminal is a common login terminal of the user.
  • the foregoing apparatus may further include a pushing module 500, configured to send, to the login user, the merchant information selected by the login user according to the current location information, and receive the merchant selected by the login user, so that the login user is visible to the merchant. In order for the merchant to select a user in the payment account list according to the visible login user.
  • a pushing module 500 configured to send, to the login user, the merchant information selected by the login user according to the current location information, and receive the merchant selected by the login user, so that the login user is visible to the merchant.
  • the pushing module 500 obtains one or more merchant information within a predetermined range of the terminal of the login user according to the location information of the login user, and sends the information to the terminal of the login user. Push the corresponding business information.
  • the login user's terminal receives the pushed merchant information, and displays the merchant information pushed by the payment system on the interface of the terminal.
  • the login user can select the corresponding merchant according to the requirement, and the payment system will set the login user's account to the corresponding merchant according to the user's selection. visible.
  • the processing module 100 filters out one or more login users within 200 meters from the merchant preset range according to the location information of the merchant, and displays one or more logins on the merchant terminal. The user's first payment account list.
  • the processing module 100 receives the user account information.
  • the merchant returns a second payment account list containing the corresponding user account, such that the payment page containing the second payment account list is displayed on the merchant's terminal.
  • first payment account list and the second payment account list include account information of the corresponding login user, for example, an account number and an avatar icon corresponding to the login user, and only the second account list is jointly paid. Account information for multiple payers.
  • the determining module 200 is specifically configured to: obtain a total amount to be paid and a proportion information of each user's payment account to be paid, and determine, according to the total amount and the proportion information, the amount to be paid by each user's payment account in the second payment account list. .
  • the determining module 200 is specifically configured to: set, by default, proportion information of each user's payment account to be paid; or receive proportion information of each user's payment account to be paid by the merchant.
  • the payment process of the payment device including the processing module 100, the determining module 200, the payment module 300, the saving module 400, and the pushing module 500 can be referred to FIG. 1 and its corresponding text description, and details are not described herein.
  • the payment device of the embodiment of the present application receives a payment request from a merchant through a processing module, determines a qualified payment account list including at least one user according to the payment request, and returns a payment account list to the merchant; and determines a payment account list by the determining module.
  • the amount to be paid by each user's payment account; and the payment module sends a payment instruction to the corresponding user's terminal according to the amount to be paid by each user's payment account, and according to the received confirmation payment instruction from the corresponding user's terminal
  • the payment operation with respect to the existing single-account payment method, the plurality of users of the embodiment directly participate in the payment without paying to the payer, simplifying the payment process of the co-payment.
  • first and second are used for descriptive purposes only and are not to be construed as indicating or implying a relative importance or implicitly indicating the number of technical features indicated.
  • features defining “first” or “second” may include at least one of the features, either explicitly or implicitly.
  • the meaning of "a plurality” is at least two, such as two, three, etc., unless specifically defined otherwise.
  • a "computer-readable medium” can be any apparatus that can contain, store, communicate, propagate, or transport a program for use in an instruction execution system, apparatus, or device, or in conjunction with the instruction execution system, apparatus, or device.
  • computer readable media include the following: electrical connections (electronic devices) having one or more wires, portable computer disk cartridges (magnetic devices), random access memory (RAM), Read only memory (ROM), erasable editable read only memory (EPROM or flash memory), fiber optic devices, and portable compact disk read only memory (CDROM).
  • the computer readable medium may even be a paper or other suitable medium on which the program can be printed, as it may be optically scanned, for example by paper or other medium, followed by editing, interpretation or, if appropriate, other suitable The method is processed to obtain the program electronically and then stored in computer memory.
  • portions of the application can be implemented in hardware, software, firmware, or a combination thereof.
  • multiple steps or methods may be implemented in software or firmware stored in a memory and executed by a suitable instruction execution system.
  • a suitable instruction execution system For example, if implemented in hardware, as in another embodiment, it can be implemented by any one or combination of the following techniques well known in the art: having logic gates for implementing logic functions on data signals. Discrete logic circuits, application specific integrated circuits with suitable combinational logic gates, programmable gate arrays (PGAs), field programmable gate arrays (FPGAs), etc.
  • each functional unit in each embodiment of the present application may be integrated into one processing module, or each unit may exist physically separately, or two or more units may be integrated into one module.
  • the above integrated modules can be implemented in the form of hardware or in the form of software functional modules.
  • the integrated modules, if implemented in the form of software functional modules and sold or used as stand-alone products, may also be stored in a computer readable storage medium.
  • the above mentioned storage medium may be a read only memory, a magnetic disk or an optical disk or the like. While the embodiments of the present application have been shown and described above, it is understood that the above-described embodiments are illustrative and are not to be construed as limiting the scope of the present application. The embodiments are subject to variations, modifications, substitutions and variations.

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Abstract

一种支付方法及装置。其中，该方法包括：接收来自商家的支付请求，根据支付请求确定符合条件的包含至少一个用户的支付账户列表，并向商家返回支付账户列表（S101）；确定支付账户列表中每个用户的支付账户待支付的金额（S102）；以及根据每个用户的支付账户待支付的金额向对应用户的终端发送支付指令，并根据接收的来自对应用户的终端的确认支付指令完成支付操作（S103）。该支付方法及装置使得多个用户直接参与支付，而无需向付款人进行支付，简化了共同支付的支付过程。

Description

支付方法及装置 技术领域
本申请涉及移动支付技术领域，尤其涉及一种支付方法及装置。
背景技术
随着移动电子商务的迅速发展，第三方支付、银行等争相推出移动支付客户端，用户通过安装在移动终端(例如智能手机)中的移动支付客户端可对购买的商品或者服务进行账务支付，方便了用户随时随地进行支付。
目前，移动支付方式为单账户的支付方式，即当用户向商家付款时，只能由一个账户向商家进行全额付款。然而，在一些情况下，比如，多人在餐馆中进行共同消费后，若用户通过移动支付的方式向商家付款，仅能由其中的一个用户向商家进行全额支付，在用户完成支付后，其他的用户需要向付款人进行支付，由此可以看出，在需要多人共同承担账单的情况中，用户通过移动支付完成共同支付的过程较为复杂，多个用户无法直接参与支付，仅能在付款人付款后，向付款人进行支付，用户共同支付的用户体验不理想。
发明内容
本申请旨在至少在一定程度上解决相关技术中的技术问题之一。
为此，本申请的第一个目的在于提出一种支付方法，该方法使得多个用户可直接参与支付，而无需向付款人进行支付，简化了共同支付的支付过程。
本申请的第二个目的在于提出一种支付装置。
为达上述目的，本申请第一方面实施例提出了一种支付方法，包括：接收来自商家的支付请求，根据所述支付请求确定符合条件的包含至少一个用户的支付账户列表，并向所述商家返回所述支付账户列表；确定所述支付账户列表中每个用户的支付账户待支付的金额；以及根据每个用户的支付账户待支付的金额向对应用户的终端发送支付指令，并根据接收的来自对应用户的终端的确认支付指令完成支付操作。
本申请实施例的支付方法，接收来自商家的支付请求，根据支付请求确定符合条件的包含至少一个用户的支付账户列表，并向商家返回支付账户列表；确定支付账户列表中每个用户的支付账户待支付的金额；以及根据每个用户的支付账户待支付的金额向对应用户的终端发送支付指令，并根据接收的来自对应用户的终端的确认支付指令完成支付操作，相对于现有的单账户支付方式，该实施例的多个用户直接参与支付，而无需向付款人进行支付，简化了共同支付的支付过程。
为达上述目的，本申请第二方面实施例提出了一种支付装置，包括：处理模块，用于接收来自商家的支付请求，根据所述支付请求确定符合条件的包含至少一个用户的支付账户列表，并向所述商家返回所述支付账户列表；确定模块，用于确定所述支付账户列表中每个用户的支付账户待支付的金额；以及支付模块，用于根据每个用户的支付账户待支付的金额向对应用户的终端发送支付指令，并根据接收的来自对应用户的终端的确认支付指令完成支付操作。
本申请实施例的支付装置，通过处理模块接收来自商家的支付请求，根据支付请求确定符合条件的包含至少一个用户的支付账户列表，并向商家返回支付账户列表；并通过确定模块确定支付账户列表中每个用户的支付账户待支付的金额；以及通过支付模块根据每个用户的支付账户待支付的金额向对应用户的终端发送支付指令，并根据接收的来自对应用户的终端的确认支付指令完成支付操作，相对于现有的单账户支付方式，该实施例的多个用户直接参与支付，而无需向付款人进行支付，简化了共同支付的支付过程。
附图说明
图1是本申请一个实施例的支付方法的流程图。
图2是本申请一个实施例的支付装置的结构示意图。
图3是本申请另一个实施例的支付装置的结构示意图。
具体实施方式
下面详细描述本申请的实施例，所述实施例的示例在附图中示出，其中自始至终相同或类似的标号表示相同或类似的元件或具有相同或类似功能的元件。下面通过参考附图描述的实施例是示例性的，旨在用于解释本申请，而不能理解为对本申请的限制。
下面参考附图描述本申请实施例的支付方法及装置。
图1是本申请一个实施例的支付方法的流程图，如图1所示，该支付方法包括：
S101，接收来自商家的支付请求，根据支付请求确定符合条件的包含至少一个用户的支付账户列表，并向商家返回支付账户列表。
具体地，在用户付款时，商家后台根据用户的消费情况设定用户支付的金额，并向支付系统发送支付请求。支付系统接收来自商家的支付请求，并从预先保存的数据中获取商家的位置信息，并根据商家的位置信息筛选出与商家的距离在预设范围内的一个或多个登录用户作为第一支付账户列表的用户，或者，也可以根据支付请求中，商家指定的登录用户作为第一支付账户列表中的用户。
其中，上述支付请求中包含支付方式，支付方式为可以包括两种方式，即单用户支付 和多用户支付，商家可根据情况选择用户支付的方式。下面均以多用户支付的方式进行说明，上述预设范围可以是支付系统中默认的，还可以是商家根据需求设置的，例如，用户设置预设范围为200米。
目前，用户可通过现金支付、银行卡或者移动支付等多种方式支付自己消费的商品或者服务，若用户选择通过移动支付的方式付款，此时，用户可通过终端中的移动支付客户端登录支付系统，支付系统接收并记录用户登录时的相关信息，其中，相关信息可以为登录用户的标识信息、登录时间和登录终端的类型中的一种或多种。用户登录终端的类型可以为平板电脑或者智能手机等。例如，用户通过平板电脑登录移动支付客户端，支付系统可记录登录用户的网际协议地址(Internet Protocol Address，IP地址)、登录时间和登录终端的类型为平板电脑。
需要说明的是，支付系统记录用户的登录时间和登录终端，可方便后续基于记录的登录时间和登录终端进行分析，并获得用户的操作行为以及使用习惯。另外，用户的登录时间和登录终端还可以为后续判断用户的账户安全提供依据，具体地，支付系统通过分析历史记录中的用户的登录时间和登录终端可以获得用户的常用登陆时间和常用登录终端，在判断用户的账户是否被盗时，可以对用户的当前登录时间和当前登录终端进行判断，即判断当前登录时间是否为用户的常用登录时间，判断当前登录终端是否为用户的常用登录终端。
另外，支付系统还可以获取并保存登录用户的当前位置信息。具体地，在用户通过手机、平板电脑等终端登录支付系统后，终端中的定位设备例如全球定位系统(Global Positioning System，GPS)设备获取登录用户的当前位置信息，并向支付系统发送登录用户的当前位置信息，支付系统接收并保存该登录用户的当前位置信息。
支付系统在获取并保存登录用户的当前位置信息后，可以根据当前位置信息向登录用户发送可供登录用户选择的商家信息，并接收登录用户选中的商家，以便于商家根据可见的登陆用户选择支付账户列表中的用户。
具体地，支付系统获取并保存登录用户的位置信息后，可根据登录用户的位置信息获得距离登录用户的终端预定范围内的一个或者多个商家信息，并向登录用户的终端上推送对应的商家信息，此时，登录用户的终端上显示支付系统推送的商户信息，登录用户可根据需要选择并设置对对应的商家可见。
在该实施例中，在登录用户的终端上显示支付系统推送的商家信息后，登录用户可根据需求选中对应的商家，终端接收用户选中的商家，并向支付系统发送选中的商家，支付系统接收登录用户选中的商家，并根据用户的选择设置用户的账户对对应的商家可见。
另外，在用户登录支付系统的账户后，当支付系统监控到登录用户对应的终端以一定 频率晃动时(例如，用户摇一摇该终端时)，可以根据该终端的当前位置信息获得预定范围内的商家信息，并向对应终端发送所获得的商家信息。终端接收支付系统发送的商家信息，并以列表的形式显示商家信息，终端接收登录用户根据需求选中对应的商家，并向支付系统发送对应的商家，支付系统接收终端发送的商家信息，并根据用户的选择设置用户的账户对对应的商家可见。
在登录用户设置自己的账户对商家可见后，支付系统可根据商家的位置信息筛选出距离商家预设范围例如200米内的一个或多个登录用户，并在商家的终端上显示包含一个或多个登录用户的第一支付账户列表。
商家根据第一支付账户列表向付款人当面确认用户账户后，从第一支付账户列表中选中对应的用户账户，并向支付系统发送已确认的多个用户账户，支付系统接收到这些用户账户信息后向商家返回包含对应用户账户的第二支付账户列表，这样，商家的终端上显示包含第二支付账户列表的支付页面。
例如，商家的终端上显示包含4个用户账户的第一支付账户列表，假定前两个用户账户为对应的付款用户，商家在向付款人确认用户账户后，选择对应的用户账户，并向支付系统发送对应的用户账户，支付系统接收商家发送的账户信息，并向商家返回包含对应用户账户的第二支付账户列表，这样，商家的终端上显示包含第二支付账户列表的支付页面。
或者在一种实现方式中，支付系统检测到距离商家预设范围的多个登录用户时，还可向多个登录用户发送通知消息，以通知登录用户是否支持商家发起的支付请求，若是，可确认支持，从而支付系统可根据接收到的确认支持的登录用户，作为支付账户列表中的用户，并提供给商家。
本申请实施例中，确定符合条件的包含至少一个用户的支付账户列表，其中，支付账户列表中的账户可以是上述商家指定、用户选择的方式外，还可以有其他方式，本申请实施例不做特别限制。
需要说明的是，上述第一支付账户列表和上述第二支付账户列表中包含对应登录用户的账户信息，例如，包含对应登录用户的账号和头像图标，并且第二账户列表中仅包含共同支付的多个付款人的账户信息。
S102，确定支付账户列表中每个用户的支付账户待支付的金额。
支付系统在向商家返回第二支付账户列表的同时，还向商家返回支付系统支持的分担方式，终端接收第二支付账户列表和对应的分担方式，并在终端上显示包含第二支付账户列表与分担方式的支付页面，其中，支付系统可支持的分担方式有多种，例如，用户平均分担金额、按照比例或者指定每个用户分担金额等分担方式，通常支付系统中默认的是平均分担金额或者平均分担比例。
商家可以使用默认的平均分担金额或者平均分担比例，还可以根据用户的需求设置每个用户的支付账户分担的金额或者比例，例如，第二支付账户列表中包含三个用户的对应的支付账户A、B、C，假定三个用户消费的总金额为300，在支付时，商家可向用户确认分担方式，若用户选择平均分担金额的方式，商家可按照用户的选择使用默认的平均分担金额的方式，即每个支付账户各自支付100。若用户选择按照比例分担的方式，假定支付账户A分担的比例为50％，支付账户B分担的比例为25％，支付账户C分担的比例为25％，商家可根据用户的指定设置每个支付账户分担的比例，在用户确认支付的比例后，商家向支付系统发送确认指令，支付系统根据确认指令确定第二支付账户列表中每个用户的支付账户待支付的金额。
在该实施例中，对于按照比例的分担方式，支付系统可获取待支付的总金额和每个用户的支付账户待支付的比例信息，并根据总金额和比例信息确定第二支付账户列表中每个用户的支付账户待支付的金额。例如，待支付的总金额为300元，假定第二支付账户列表中包含三个用户的对应的支付账户A、B、C，并且每个支付账户分担A、B、C分别分担的比例为50％、25％、25％，支付系统可计算出支付账户A、B、C分别分担的金额为150元、75元、75元。
S103，根据每个用户的支付账户待支付的金额向对应用户的终端发送支付指令，并根据接收的来自对应用户的终端的确认支付指令完成支付操作。
支付系统计算每个用户的支付账户待支付的金额，并生成包含对应账户待支付的金额的支付单据，并向对应用户的终端发送包含支付单据的支付指令，对应的用户的终端接收支付指令，并在确认支付单据后，向支付系统发送确认支付指令。支付系统接收来自对应用户的终端的确认支付指令，并根据确认支付指令完成支付操作。
该实施例的支付方式可以应用的场景较多，例如，用户在商场购物的过程中，当用户想购物一个价格较贵的商品，而用户的账户资金不足时，可以由周围的多个好友的多个账户一起完成支付，由此可以看出，通过该实施例的共同支付的方式，还可以提高支付成功率。
本申请实施例的支付方法，接收来自商家的支付请求，根据支付请求确定符合条件的包含至少一个用户的支付账户列表，并向商家返回支付账户列表；确定支付账户列表中每个用户的支付账户待支付的金额；以及根据每个用户的支付账户待支付的金额向对应用户的终端发送支付指令，并根据接收的来自对应用户的终端的确认支付指令完成支付操作，相对于现有的单账户支付方式，该实施例的多个用户直接参与支付，而无需向付款人进行支付，简化了共同支付的支付过程。
为了实现上述实施例，本申请还提出一种支付装置。
图2是本申请一个实施例的支付装置的结构示意图，如图2所示，该装置包括：处理模块100、确定模块200和支付模块300，其中：
处理模块100用于接收来自商家的支付请求，根据支付请求确定符合条件的包含少一个用户的支付账户列表，并向商家返回支付账户列表；确定模块200用于确定支付账户列表中每个用户的支付账户待支付的金额；以及支付模块300用于根据每个用户的支付账户待支付的金额向对应用户的终端发送支付指令，并根据接收的来自对应用户的终端的确认支付指令完成支付操作。
上述支付请求中包含支付方式，支付方式为可以包括两种方式，即单用户支付和多用户支付，商家可根据情况选择用户支付的方式。需要说明的是，该实施例以支付方式为多用户支付进行说明。
上述处理模块100具体用于：获取商家的位置信息，根据位置信息筛选出与商家的距离在预设范围内的一个或多个登录用户作为支付账户列表中的用户。其中，上述预设范围可以是支付系统中默认的，还可以是商家根据需求设置的，例如，用户设置预设范围为200米。
另外，如图3所示，上述装置还可以包括保存模块400，该保存模块400用于在处理模块100根据位置信息筛选出与商家的距离在预设范围内的一个或多个登录用户作为支付账户列表中的用户之前，记录登录用户登录时的相关信息，相关信息包括登录用户的标识信息、登录时间和登录终端的类型中的一种或多种；以及获取并保存登录用户的当前位置信息。
其中，上述相关信息可以为登录用户的标识信息、登录时间和登录终端的类型中的一种或多种。用户登录终端的类型可以为平板电脑或者智能手机等类型。例如，用户通过平板电脑登录移动支付客户端，保存模块400可记录并保存登录用户的网际协议地址(Internet Protocol Address，IP地址)、登录时间和登录终端的类型为平板电脑。
需要说明是，记录并保存用户的登录时间和登录终端，可方便后续基于记录的登录时间和登录终端进行分析，并获得用户的操作行为以及使用习惯。另外，用户的登录时间和登录终端还可以为后续判断用户的账户安全提供依据，具体地，支付系统通过分析历史记录中的用户的登录时间和登录终端可以获得用户的常用登陆时间和常用登录终端，在判断用户的账户是否被盗时，可以对用户的当前登录时间和当前登录终端进行判断，即判断当前登录时间是否为用户的常用登录时间，判断当前登录终端是否为用户的常用登录终端。
另外，上述装置还可以包括推送模块500，该推送模块500用于根据当前位置信息向登录用户发送可供登录用户选择的商家信息，并接收登录用户选中的商家，以使登录用户对商家可见，以便于商家根据可见的登陆用户选择支付账户列表中的用户。
具体地，在保存模块400获取并保存登录用户的位置信息后，推送模块500根据登录用户的位置信息获得距离登录用户的终端预定范围内的一个或者多个商家信息，并向登录用户的终端上推送对应的商家信息。登录用户的终端接收推送的商家信息，并在终端的界面上显示支付系统推送的商户信息，登录用户可根据需求选中对应的商家，支付系统将根据用户的选择设置登录用户的账户对对应的商家可见。
在用户设置自己的账户对商家可见后，处理模块100根据商家的位置信息筛选出距离商家预设范围例如200米内的一个或多个登录用户，并在商家的终端上显示包含一个或多个登录用户的第一支付账户列表。
商家根据第一支付账户列表向付款人当面确认用户账户后，从第一支付账户列表中选中对应的用户账户，并发送已确认的多个用户账户，处理模块100接收到这些用户账户信息后向商家返回包含对应用户账户的第二支付账户列表，这样，商家的终端上显示包含第二支付账户列表的支付页面。
需要说明的是，上述第一支付账户列表和上述第二支付账户列表中包含对应登录用户的账户信息，例如，包含对应登录用户的账号和头像图标，并且第二账户列表中仅包共同支付的多个付款人的账户信息。
确定模块200具体用于：获取待支付的总金额和每个用户的支付账户待支付的比例信息，并根据总金额和比例信息确定第二支付账户列表中每个用户的支付账户待支付的金额。
上述确定模块200具体用于：默认设置每个用户的支付账户待支付的比例信息；或者接收商家设置的每个用户的支付账户待支付的比例信息。
包含处理模块100、确定模块200、支付模块300、保存模块400和推送模块500的支付装置的支付过程可参见图1所示及其对应的文字描述，此处不赘述。
本申请实施例的支付装置，通过处理模块接收来自商家的支付请求，根据支付请求确定符合条件的包含至少一个用户的支付账户列表，并向商家返回支付账户列表；并通过确定模块确定支付账户列表中每个用户的支付账户待支付的金额；以及通过支付模块根据每个用户的支付账户待支付的金额向对应用户的终端发送支付指令，并根据接收的来自对应用户的终端的确认支付指令完成支付操作，相对于现有的单账户支付方式，该实施例的多个用户直接参与支付，而无需向付款人进行支付，简化了共同支付的支付过程。
在本说明书的描述中，参考术语“一个实施例”、“一些实施例”、“示例”、“具体示例”、或“一些示例”等的描述意指结合该实施例或示例描述的具体特征、结构、材料或者特点包含于本申请的至少一个实施例或示例中。在本说明书中，对上述术语的示意性表述不必须针对的是相同的实施例或示例。而且，描述的具体特征、结构、材料或者特点可以在任一个或多个实施例或示例中以合适的方式结合。此外，在不相互矛盾的情况下，本领域的技 术人员可以将本说明书中描述的不同实施例或示例以及不同实施例或示例的特征进行结合和组合。
此外，术语“第一”、“第二”仅用于描述目的，而不能理解为指示或暗示相对重要性或者隐含指明所指示的技术特征的数量。由此，限定有“第一”、“第二”的特征可以明示或者隐含地包括至少一个该特征。在本申请的描述中，“多个”的含义是至少两个，例如两个，三个等，除非另有明确具体的限定。
流程图中或在此以其他方式描述的任何过程或方法描述可以被理解为，表示包括一个或更多个用于实现特定逻辑功能或过程的步骤的可执行指令的代码的模块、片段或部分，并且本申请的优选实施方式的范围包括另外的实现，其中可以不按所示出或讨论的顺序，包括根据所涉及的功能按基本同时的方式或按相反的顺序，来执行功能，这应被本申请的实施例所属技术领域的技术人员所理解。
在流程图中表示或在此以其他方式描述的逻辑和/或步骤，例如，可以被认为是用于实现逻辑功能的可执行指令的定序列表，可以具体实现在任何计算机可读介质中，以供指令执行系统、装置或设备(如基于计算机的系统、包括处理器的系统或其他可以从指令执行系统、装置或设备取指令并执行指令的系统)使用，或结合这些指令执行系统、装置或设备而使用。就本说明书而言，"计算机可读介质"可以是任何可以包含、存储、通信、传播或传输程序以供指令执行系统、装置或设备或结合这些指令执行系统、装置或设备而使用的装置。计算机可读介质的更具体的示例(非穷尽性列表)包括以下：具有一个或多个布线的电连接部(电子装置)，便携式计算机盘盒(磁装置)，随机存取存储器(RAM)，只读存储器(ROM)，可擦除可编辑只读存储器(EPROM或闪速存储器)，光纤装置，以及便携式光盘只读存储器(CDROM)。另外，计算机可读介质甚至可以是可在其上打印所述程序的纸或其他合适的介质，因为可以例如通过对纸或其他介质进行光学扫描，接着进行编辑、解译或必要时以其他合适方式进行处理来以电子方式获得所述程序，然后将其存储在计算机存储器中。
应当理解，本申请的各部分可以用硬件、软件、固件或它们的组合来实现。在上述实施方式中，多个步骤或方法可以用存储在存储器中且由合适的指令执行系统执行的软件或固件来实现。例如，如果用硬件来实现，和在另一实施方式中一样，可用本领域公知的下列技术中的任一项或他们的组合来实现：具有用于对数据信号实现逻辑功能的逻辑门电路的离散逻辑电路，具有合适的组合逻辑门电路的专用集成电路，可编程门阵列(PGA)，现场可编程门阵列(FPGA)等。
本技术领域的普通技术人员可以理解实现上述实施例方法携带的全部或部分步骤是可以通过程序来指令相关的硬件完成，所述的程序可以存储于一种计算机可读存储介质中， 该程序在执行时，包括方法实施例的步骤之一或其组合。
此外，在本申请各个实施例中的各功能单元可以集成在一个处理模块中，也可以是各个单元单独物理存在，也可以两个或两个以上单元集成在一个模块中。上述集成的模块既可以采用硬件的形式实现，也可以采用软件功能模块的形式实现。所述集成的模块如果以软件功能模块的形式实现并作为独立的产品销售或使用时，也可以存储在一个计算机可读取存储介质中。
上述提到的存储介质可以是只读存储器，磁盘或光盘等。尽管上面已经示出和描述了本申请的实施例，可以理解的是，上述实施例是示例性的，不能理解为对本申请的限制，本领域的普通技术人员在本申请的范围内可以对上述实施例进行变化、修改、替换和变型。

Claims (14)

  1. 一种支付方法，其特征在于，包括：
    接收来自商家的支付请求，根据所述支付请求确定符合条件的包含至少一个用户的支付账户列表，并向所述商家返回所述支付账户列表；
    确定所述支付账户列表中每个用户的支付账户待支付的金额；以及
    根据每个用户的支付账户待支付的金额向对应用户的终端发送支付指令，并根据接收的来自对应用户的终端的确认支付指令完成支付操作。
  2. 根据权利要求1所述的方法，其特征在于，所述根据所述支付请求确定符合条件的包含至少一个用户的支付账户列表，包括：
    获取所述商家的位置信息，根据所述位置信息筛选出与所述商家的距离在预设范围内的一个或多个登录用户作为所述支付账户列表中的用户。
  3. 根据权利要求2所述的方法，其特征在于，在所述根据所述位置信息筛选出与所述商家的距离在预设范围内的一个或多个登录用户作为所述支付账户列表中的用户之前，还包括：
    记录所述登录用户登录时的相关信息，所述相关信息包括所述登录用户的标识信息、登录时间和登录终端的类型中的一种或多种；以及
    获取并保存所述登录用户的当前位置信息。
  4. 根据权利要求3所述的方法，其特征在于，还包括：
    根据所述当前位置信息向所述登录用户发送可供所述登录用户选择的商家信息，并接收所述登录用户选中的商家，以使所述登录用户对所述商家可见，以便于商家根据可见的登陆用户选择支付账户列表中的用户。
  5. 根据权利要求1所述的方法，其特征在于，所述确定所述支付账户列表中每个用户的支付账户待支付的金额，包括：
    获取待支付的总金额和每个用户的支付账户待支付的比例信息，并根据所述总金额和所述比例信息确定所述支付账户列表中每个用户的支付账户待支付的金额。
  6. 根据权利要求5所述的方法，其特征在于，所述获取每个用户的支付账户待支付的比例信息，包括：
    默认设置每个用户的支付账户待支付的比例信息；或者
    接收商家设置的每个用户的支付账户待支付的比例信息。
  7. 根据权利要求1-6任一项所述的方法，其特征在于，所述支付请求中包含支付方式，所述支付方式包括多用户支付。
  8. 一种支付装置，其特征在于，包括：
    处理模块，用于接收来自商家的支付请求，根据所述支付请求确定符合条件的包含至少一个用户的支付账户列表，并向所述商家返回所述支付账户列表；
    确定模块，用于确定所述支付账户列表中每个用户的支付账户待支付的金额；以及
    支付模块，用于根据每个用户的支付账户待支付的金额向对应用户的终端发送支付指令，并根据接收的来自对应用户的终端的确认支付指令完成支付操作。
  9. 根据权利要求8所述的装置，其特征在于，所述处理模块，具体用于：
    获取所述商家的位置信息，根据所述位置信息筛选出与所述商家的距离在预设范围内的一个或多个登录用户作为所述支付账户列表中的用户。
  10. 根据权利要求9所述的装置，其特征在于，还包括：
    保存模块，用于在所述处理模块根据所述位置信息筛选出与所述商家的距离在预设范围内的一个或多个登录用户作为所述支付账户列表中的用户之前，记录所述登录用户登录时的相关信息，所述相关信息包括所述登录用户的标识信息、登录时间和登录终端的类型中的一种或多种；以及获取并保存所述登录用户的当前位置信息。
  11. 根据权利要求10所述的方法，其特征在于，还包括：
    推送模块，用于根据所述当前位置信息向所述登录用户发送可供所述登录用户选择的商家信息，并接收所述登录用户选中的商家，以使所述登录用户对所述商家可见，以便于商家根据可见的登陆用户选择支付账户列表中的用户。
  12. 根据权利要求8所述的装置，其特征在于，所述确定模块，具体用于：
    获取待支付的总金额和每个用户的支付账户待支付的比例信息，并根据所述总金额和所述比例信息确定所述第二支付账户列表中每个用户的支付账户待支付的金额。
  13. 根据权利要求12所述的装置，其特征在于，所述确定模块，具体用于：
    默认设置每个用户的支付账户待支付的比例信息；或者接收商家设置的每个用户的支付账户待支付的比例信息。
  14. 根据权利要求8-13任一项所述的装置，其特征在于，所述支付请求中包含支付方式，所述支付方式包括多用户支付。
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