WO2016086799A1

WO2016086799A1 - Payment method and apparatus

Info

Publication number: WO2016086799A1
Application number: PCT/CN2015/095831
Authority: WO
Inventors: 李庆丰
Original assignee: 阿里巴巴集团控股有限公司; 李庆丰
Priority date: 2014-12-03
Filing date: 2015-11-27
Publication date: 2016-06-09
Also published as: CN105654293B; CN105654293A

Abstract

Disclosed are a payment method and apparatus. The method comprises: receiving a payment request from a merchant, determining a payment account list which accords with conditions and contains at least one user according to the payment request, and returning the payment account list to the merchant (S101); determining an amount to be paid of a payment account of each user in the payment account list (S102); and according to the amount to be paid of the payment account of each user, sending a payment instruction to a terminal corresponding to the user, and completing a payment operation according to a payment confirmation instruction received from the terminal corresponding to the user (S103). The payment method and apparatus enable a plurality of users to directly participate in payment without payment to a payer, thereby simplifying a co-payment process.

Description

Payment method and device

Technical field

The present application relates to the field of mobile payment technologies, and in particular, to a payment method and apparatus.

Background technique

With the rapid development of mobile e-commerce, third-party payment, banking, etc. are rushing to launch mobile payment clients, and users can subscribe to purchased goods or services through mobile payment clients installed in mobile terminals (such as smart phones). Payment makes it easy for users to make payments anytime, anywhere.

At present, 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. However, in some cases, for example, after multiple people co-consume in a restaurant, if 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.

Summary of the invention

The present application aims to solve at least one of the technical problems in the related art to some extent.

To this end, 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.

To achieve the above objective, 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.

To achieve the above objective, 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.

DRAWINGS

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.

detailed description

The embodiments of the present application are described in detail below, and the examples of the embodiments are illustrated in the drawings, wherein the same or similar reference numerals are used to refer to the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are intended to be illustrative, and are not to be construed as limiting.

The payment method and apparatus of the embodiments of the present application are described below with reference to the accompanying drawings.

1 is a flowchart of a payment method according to an embodiment of the present application. As shown in FIG. 1, 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.

Specifically, when the user pays, 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 user of the account list, or, according to the payment request, the login user specified by the merchant as the user in the first payment account list.

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.

At present, users can pay for goods or services they consume through cash payment, bank card or mobile payment. If the user chooses to pay by 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. For example, the user logs in to the mobile payment client through the tablet, and 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.

It should be noted that 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. In addition, the login time of the user and the login terminal can also provide a basis for judging the security of the user's account. Specifically, 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. When judging whether the account of the user is stolen, 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.

In addition, 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.

After obtaining and saving the current location information of the logged-in user, 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.

Specifically, after the payment system acquires and saves the location information of the login user, 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.

In this embodiment, after displaying the merchant information pushed by the payment system on the terminal of the logged-in user, 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.

In addition, after the user logs in to the account of the payment system, when the payment system monitors the terminal corresponding to the login user, When 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.

After the login user sets his own account to be visible to the 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.

After the merchant confirms the user account in person according to the 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.

For example, 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. After confirming the user account to the payer, 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.

Or in an implementation manner, when the payment system detects a plurality of login users that are within a preset range 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.

In the embodiment of the present application, 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.

It should be noted that the 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. For example, 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. When paying, 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.

In this embodiment, for a proportional sharing mode, 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. For example, the total amount 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.

S103. 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 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.

In order to implement the above embodiments, the present application also proposes a payment device.

2 is a schematic structural diagram of a payment apparatus according to an embodiment of the present application. As shown in FIG. 2, 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. For example, the preset range of the user setting is 200 meters.

In addition, as shown in FIG. 3, 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. Before the user in the account list records the related information when the login user logs in, 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. For example, 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.

It should be noted that 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. In addition, the login time of the user and the login terminal can also provide a basis for judging the security of the user's account. Specifically, 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. When judging whether the account of the user is stolen, 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.

In addition, 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.

Specifically, after the saving module 400 acquires and saves the location information of the login user, 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.

After the user sets his own account to be visible to the merchant, 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.

After the merchant confirms the user account in person according to the 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, and 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.

It should be noted that the 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.

In the description of the present specification, the description with reference to the terms "one embodiment", "some embodiments", "example", "specific example", or "some examples" and the like means a specific feature described in connection with the embodiment or example. A structure, material or feature is included in at least one embodiment or example of the application. In the present specification, the schematic representation of the above terms is not necessarily directed to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in a suitable manner in any one or more embodiments or examples. In addition, in the case of non-contradictory, the art of the field The various embodiments or examples described in this specification, as well as the features of the various embodiments or examples, may be combined and combined.

Moreover, the terms "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. Thus, features defining "first" or "second" may include at least one of the features, either explicitly or implicitly. In the description of the present application, the meaning of "a plurality" is at least two, such as two, three, etc., unless specifically defined otherwise.

Any process or method description in the flowcharts or otherwise described herein may be understood to represent a module, segment or portion of code that includes one or more executable instructions for implementing the steps of a particular logical function or process. And the scope of the preferred embodiments of the present application includes additional implementations, in which the functions may be performed in a substantially simultaneous manner or in the reverse order depending on the functions involved, in accordance with the illustrated or discussed order. It will be understood by those skilled in the art to which the embodiments of the present application pertain.

The logic and/or steps represented in the flowchart or otherwise described herein, for example, may be considered as an ordered list of executable instructions for implementing logical functions, and may be embodied in any computer readable medium, Used in conjunction with, or in conjunction with, an instruction execution system, apparatus, or device (eg, a computer-based system, a system including a processor, or other system that can fetch instructions and execute instructions from an instruction execution system, apparatus, or device) Or use with equipment. For the purposes of this specification, 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. More specific examples (non-exhaustive list) of 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). In addition, 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.

It should be understood that portions of the application can be implemented in hardware, software, firmware, or a combination thereof. In the above-described embodiments, multiple steps or methods may be implemented in software or firmware stored in a memory and executed by 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.

One of ordinary skill in the art can understand that all or part of the steps carried by the method of implementing the above embodiments can be completed by a program to instruct related hardware, and the program can be stored in a computer readable storage medium. The program, when executed, includes one or a combination of the steps of the method embodiments.

In addition, 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.

Claims

A payment method, comprising:

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 payment account list to the merchant;

Determining an amount to be paid by each user's payment account in the payment account list;

The payment instruction is sent to the terminal of the corresponding user according to the amount to be paid by each user's payment account, and the payment operation is completed according to the received confirmation payment instruction from the terminal of the corresponding user.
The method according to claim 1, wherein the determining, according to the payment request, the eligible payment account list comprising at least one user comprises:

Obtaining location information of the merchant, and filtering, according to the location information, one or more login users whose distance from the merchant is within a preset range as a user in the payment account list.
The method according to claim 2, wherein said one or more logged-in users whose distance from said merchant is within a preset range according to said location information is selected as a user in said payment account list Previously, it also included:

Recording related information when the login user logs in, the related information including one or more of the identification information of the login user, the login time, and the type of the login terminal;

Obtain and save the current location information of the logged in user.
The method of claim 3, further comprising:

Sending the merchant information selected by the login user to the login user according to the current location information, and receiving the merchant selected by the login user, so that the login user is visible to the merchant, so that the merchant is visible according to the location The logged in user selects the user in the payment account list.
The method according to claim 1, wherein said determining the amount of payment for each user's payment account in said payment account list comprises:

Obtaining a total amount to be paid and a ratio information of each user's payment account to be paid, and determining an amount to be paid by each user's payment account in the payment account list according to the total amount and the ratio information.
The method according to claim 5, wherein the obtaining the proportion information of each user's payment account to be paid comprises:

By default, the ratio information of each user's payment account to be paid is set; or

Receiving the proportion information of the payment account to be paid by each user set by the merchant.
The method according to any one of claims 1 to 6, wherein the payment request includes a payment method, and the payment method includes multi-user payment.
A payment device, comprising:

a processing module, configured to receive a payment request from a merchant, determine, according to the payment request, a qualified payment account list including at least one user, and return the payment account list to the merchant;

a determining module, configured to determine an amount to be paid by each user's payment account in the payment account list;

The payment module 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 device according to claim 8, wherein the processing module is specifically configured to:

Obtaining location information of the merchant, and filtering, according to the location information, one or more login users whose distance from the merchant is within a preset range as a user in the payment account list.
The device according to claim 9, further comprising:

a saving module, configured to record the login before the processing module filters one or more login users whose distance from the merchant is within a preset range according to the location information as a user in the payment account list The related information when the user logs in, the related information includes one or more of the identification information of the login user, the login time, and the type of the login terminal; and the current location information of the login user is obtained and saved.
The method of claim 10, further comprising:

a pushing module, configured to send the merchant information selected by the login user to 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.
The device according to claim 8, wherein the determining module is specifically configured to:

Obtaining the total amount to be paid and the proportion information of the payment account to be paid by each user, and determining the amount to be paid by the payment account of each user in the second payment account list according to the total amount and the ratio information.
The device according to claim 12, wherein the determining module is specifically configured to:

By default, the ratio information of each user's payment account to be paid is set; or the ratio information of the payment account to be paid by each user set by the merchant is received.
The device according to any one of claims 8 to 13, wherein the payment request includes a payment method, and the payment method includes multi-user payment.