WO2018086487A1 - 一种区域消息共享方法及装置 - Google Patents

一种区域消息共享方法及装置 Download PDF

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Publication number
WO2018086487A1
WO2018086487A1 PCT/CN2017/109392 CN2017109392W WO2018086487A1 WO 2018086487 A1 WO2018086487 A1 WO 2018086487A1 CN 2017109392 W CN2017109392 W CN 2017109392W WO 2018086487 A1 WO2018086487 A1 WO 2018086487A1
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WIPO (PCT)
Prior art keywords
user
payment
bill
area
message
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PCT/CN2017/109392
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English (en)
French (fr)
Inventor
顾文君
朱沁
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阿里巴巴集团控股有限公司
顾文君
朱沁
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Application filed by 阿里巴巴集团控股有限公司, 顾文君, 朱沁 filed Critical 阿里巴巴集团控股有限公司
Priority to EP17870085.2A priority Critical patent/EP3525147A4/en
Priority to JP2019524991A priority patent/JP6880186B2/ja
Priority to KR1020197013597A priority patent/KR102242782B1/ko
Publication of WO2018086487A1 publication Critical patent/WO2018086487A1/zh
Priority to US16/384,539 priority patent/US10650362B2/en
Priority to US16/872,022 priority patent/US11037117B2/en
Priority to US17/344,754 priority patent/US11257054B2/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps

Definitions

  • the present application relates to a third party payment platform technology and information sharing technology, and more particularly to a regional message sharing method and apparatus.
  • a third-party payment platform such as Alipay, Tenpay, WeChat Pay, Lakara, etc.
  • the payment institution's posting time is not fixed, or the organization does not allow the third-party payment platform to obtain the payment information of the payment institution in order to protect the privacy of the customer.
  • the third-party payment platform cannot automatically check the bill through the regular inquiry mechanism. Since the payment institution cannot provide the payment information to the third-party payment platform, the third-party payment platform cannot notify the user of the posting information in real time, and the user can only actively check with the payment institution on the third-party payment platform whether the payment has been made. Many users often fail to make timely payment due to forgetting to check the bills, resulting in the loss of personal credit information, which will bring huge obstacles for handling various credit products in the future.
  • the application provides a regional message sharing method, and the regional message sharing method includes:
  • the user information is obtained according to the payment bill, and the user information includes an area to which the user belongs;
  • the third party payment platform account is used to push a message to the user of the area to which the user belongs to notify the payment agency that the bill has been paid.
  • the present application provides an area message sharing apparatus, and the area message sharing apparatus includes:
  • a user information obtaining unit configured to acquire user information according to the bill of payment, where the user information includes an area to which the user belongs;
  • the message pushing unit is configured to push, by using the third-party payment platform account, a message to the user of the area to which the user belongs to notify the payment institution that the bill has been paid.
  • the payment institution does not provide the accounting information to the third-party payment platform, based on the inquiry of the third-party payment platform by a certain user, the other payment mechanism of the third-party payment platform is pushed to the accurate payment institution. Account information to avoid users missing the payment deadline.
  • FIG. 1 is a schematic diagram of an application scenario of a service implementation in the present application
  • FIGS. 2A and 2B are schematic diagrams of an interface for a user to perform a gas billing inquiry
  • FIG. 3 is a flowchart of a method for sharing a regional message according to an embodiment of the present application
  • FIG. 4 is a flowchart of a method for acquiring user information according to an embodiment of the present application.
  • FIG. 5 is a schematic diagram of querying an area to which a user belongs in the embodiment of the present application.
  • FIG. 6 is a schematic diagram of an area message push of an Alipay in the embodiment of the present application.
  • FIG. 7 is a structural block diagram of an area message sharing apparatus according to an embodiment of the present application.
  • FIG. 8 is a structural block diagram of an area message sharing apparatus according to an embodiment of the present application.
  • FIG. 9 is a structural block diagram of a user information acquiring unit according to an embodiment of the present application.
  • FIG. 10 is a structural block diagram of an area message sharing apparatus according to an embodiment of the present application.
  • FIG. 1 is a schematic diagram of an application scenario of a service implementation in the present application.
  • the technical solution of the embodiment of the present application can implement related payment message pushing services between the user and the payment platform server, such as a gas posting message push, an electricity billing message push, a water fee posting message push, and the like.
  • the user terminal for example, the client A
  • sends a payment bill inquiry request to the payment platform server through the third-party payment platform and the client A receives the payment bill inquired by the payment platform server.
  • 2A and FIG. 2B are schematic diagrams of the interface for the user to perform gas billing inquiry.
  • FIG. 1 is a schematic diagram of an application scenario of a service implementation in the present application.
  • the technical solution of the embodiment of the present application can implement related payment message pushing services between the user and the payment platform server, such as a gas posting message push, an electricity billing message push, a water fee posting message push, and the like.
  • the user terminal for example, the client A
  • the user enters the third-party payment platform query interface, and the user clicks the gas fee option, and the query result shown in FIG. 2B can be obtained (the bill is not shown).
  • the user (including client A, client B, and client C) needs to query the payment bill through the third-party payment platform each time, and many users often fail to make payment in time because they forget to inquire about the payment bill, resulting in an individual. The loss of credit information will bring huge obstacles to handling various types of credit products in the future.
  • the embodiment of the present application provides a regional message sharing method, so that after the payment institution issues the account, the message is pushed to the user in time.
  • 3 is a flowchart of a method for sharing an area message according to an embodiment of the present application.
  • the execution body of the area message sharing method is a payment platform server.
  • the area message sharing method includes:
  • S301 Acquire a payment bill inquiry request initiated by a user on a third-party payment platform.
  • the bill for the payment of the payment service is generally given by the payment agency (the unit that receives the business fee paid by the user). If the user does not know whether a payment service has been paid out, the user can query the payment bill initiated by the third-party payment platform.
  • the request, the payment bill inquiry request is received by the payment platform server. Based on the payment bill inquiry request, the payment platform server can query the payment institution for the payment bill.
  • the payment platform server can determine whether the payment institution has paid the bill according to the result of inquiring the payment institution with the payment bill. If the payment platform server queries the user's payment bill, it indicates that the payment agency has paid the bill, otherwise, the payment agency has not paid the bill.
  • the payment platform server may acquire the user information according to the payment bill, and the user information includes the area to which the user belongs.
  • obtaining user information according to the payment bill may include the following steps:
  • S401 Acquire a user account information of the user according to the payment bill.
  • the user's business account information recorded in the payment bill such as the electricity fee payment service
  • the customer's customer number is recorded in the payment bill: 1003427548.
  • the customer number is the business account information.
  • S402 Query a user address according to the service account information.
  • the service account information is used to identify different users. Through the service account information, the address of the user can be queried at the payment institution. As shown in FIG. 5, the user address corresponding to the service account information is recorded in the payment institution: 1-107, No. 2, Boxing 9th Road.
  • the area to which the user belongs can be found.
  • the area to which the user belongs can be: the cell where the user is located, the street, or the administrative area to which the user belongs.
  • FIG. 5 for a user whose user address is 1-107, No. 2, Boxing 9th Road, the corresponding user belongs to the **** International Industrial Park.
  • a user initiates a billing inquiry request on a third-party payment platform
  • the payment platform server may have pushed the current payment bill to the user's area through the third-party payment platform.
  • the application does not need to push the news of the current payment bill to all users in the user's area through the third-party payment platform account. Therefore, the payment platform server needs to first determine whether the message of the current payment bill has been pushed to the area to which the user belongs. If the payment platform server does not push the message that the current payment bill has been sent to the user's area, the payment platform server can push the message that the current payment bill has been sent to all users in the user's area through the third-party payment platform account.
  • the payment institution does not provide the accounting information to the third-party payment platform, based on the inquiry of the third-party payment platform by a certain user, the other payment mechanism of the third-party payment platform is pushed to the accurate payment institution. Account information to avoid users missing the payment deadline.
  • Alipay has a large number of users, and the user's payment account can be linked to the user's address.
  • the user can log in to Alipay through a mobile terminal or a PC to perform business operations, such as checking bills, paying bills, and the like.
  • the user A initiates a payment bill inquiry request through Alipay, and queries information such as the current payment amount and the payment date.
  • the server side queries the payment institution for the current payment bill of the user A based on the payment bill inquiry request. If the current payment bill is inquired, the payment institution can be accounted for, and the user A's account can be saved. Payment bills.
  • the server may first query the service account of the user A (for example, the customer's purchase card number: 1003427548), according to the service account, the user address of the user A may be queried, and finally, based on the user address, Query the area to which user A belongs.
  • the server can push a message to other Alipay users in the region to inform Other Alipay user billing agencies have already paid out and can pay. If user A is not the first user in the region to query the current bill, the server may have pushed the billing message to the Alipay user in the region. The server can query that the current payment has been pushed. If the billing message has been posted, there is no need to push the billing message to the Alipay user in the area.
  • the present application provides an area message sharing apparatus, as described in the following embodiments. Since the principle of the problem is solved by the message sharing device in the area is similar to that of the area message sharing method, the implementation of the message sharing device in the area can be implemented by referring to the implementation of the area message sharing method, and the repeated description is not repeated.
  • FIG. 7 is a structural block diagram of an area message sharing apparatus according to an embodiment of the present disclosure, where the area message sharing apparatus may be a third party payment platform server. As shown in FIG. 7, the area message sharing apparatus includes a request obtaining unit 701, a user information acquiring unit 702, and a message pushing unit 703.
  • the request obtaining unit 701 is configured to obtain a payment bill inquiry request initiated by the user on the third-party payment platform;
  • the user information obtaining unit 702 is configured to acquire user information according to the bill of payment, where the user information includes an area to which the user belongs.
  • the area to which the user belongs may be: the cell where the user is located, the street, or the administrative area to which the user belongs.
  • the message pushing unit 703 is configured to push, by using the third-party payment platform account, a message that informs the payment institution that the bill has been paid to all users in the area to which the user belongs.
  • the area message sharing apparatus further includes: a billing query unit 801, configured to query the bill of payment according to the billing bill inquiry request.
  • the user information acquiring unit 702 includes:
  • the service account obtaining module 901 is configured to obtain the service account information of the user according to the payment bill;
  • the address querying module 902 is configured to query a user address according to the service account information.
  • the area querying module 903 is configured to query an area to which the user belongs according to the user address.
  • the area message sharing apparatus further includes: a determining unit 1001, configured to determine whether to send a message to the area to which the user belongs to notify the payment institution that the bill has been paid.
  • the payment institution does not provide the accounting information to the third-party payment platform, based on the inquiry of the third-party payment platform by a certain user, the other payment mechanism of the third-party payment platform is pushed to the accurate payment institution. Account information to avoid users missing the payment deadline.
  • embodiments of the present application can be provided as a method, system, or computer program product.
  • the present application can take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment in combination of software and hardware.
  • the application can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) including computer usable program code.
  • the computer program instructions can also be stored in a computer readable memory that can direct a computer or other programmable data processing device to operate in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture comprising the instruction device.
  • Device implementation in the process Figure One or more processes and/or block diagrams of the functions specified in a block or blocks.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device such that a series of operational steps are performed on a computer or other programmable device to produce computer-implemented processing for execution on a computer or other programmable device.
  • the instructions provide steps for implementing the functions specified in one or more of the flow or in a block or blocks of a flow diagram.

Abstract

一种区域消息共享方法及装置，该区域消息共享方法包括：获取用户在第三方支付平台上发起的缴费账单查询请求（S301）；若根据所述缴费账单查询请求查询到缴费机关已出缴费账单，根据所述缴费账单获取用户信息（S302），所述用户信息包括用户所属区域；若未向所述用户所属区域推送过告知缴费机关已出缴费账单的消息，通过第三方支付平台账号向所述用户所属区域的所有用户推送告知缴费机关已出缴费账单的消息（S303）。利用本方法，基于某一用户通过第三方支付平台的查询，向第三方支付平台的其他用户推送准确的缴费机构出账消息，避免用户错过缴费期限。

Description

一种区域消息共享方法及装置 技术领域
本申请是关于第三方支付平台技术及信息共享技术，特别是关于一种区域消息共享方法及装置。
背景技术
用户在第三方支付平台(如支付宝、财付通、微信支付、拉卡拉等)上向公共事业缴费机构(如燃气公司、自来水公司、国家电网等，以下简称缴费机构)缴纳相关费用时，由于缴费机构的出账时间不固定，或者机构为了保护客户隐私，不允许第三方支付平台获取缴费机构的出账信息，第三方支付平台无法通过定时查询机制去自动查询账单。由于缴费机构无法向第三方支付平台提供出账信息，所以第三方支付平台无法做到实时将出账信息通知用户，用户只能在第三方支付平台上主动向缴费机构查询是否已出账。许多用户往往因为忘记查询账单而未能及时进行缴费，造成个人征信的损失，为日后办理各类信用产品带来巨大障碍。
发明内容
本申请提供一种区域消息共享方法，该区域消息共享方法包括：
获取用户在第三方支付平台上发起的缴费账单查询请求；
若根据所述缴费账单查询请求查询到缴费机关已出缴费账单，根据所述缴费账单获取用户信息，所述用户信息包括用户所属区域；
若未向所述用户所属区域推送过告知缴费机关已出缴费账单的消息，通过第三方支付平台账号向所述用户所属区域的所有用户推送告知缴费机关已出缴费账单的消息。
本申请提供一种区域消息共享装置，该区域消息共享装置包括：
请求获取单元，获取用户在第三方支付平台上发起的缴费账单查询请求；
用户信息获取单元，用于根据所述缴费账单获取用户信息，所述用户信息包括用户所属区域；
消息推送单元，用于通过第三方支付平台账号向所述用户所属区域的所有用户推送告知缴费机关已出缴费账单的消息。
本申请实施例中，可以在缴费机构未向第三方支付平台提供出账信息的前提下，基于某一用户通过第三方支付平台的查询，向第三方支付平台的其它用户推送准确的缴费机构出账消息，避免用户错过缴费期限。
当然实施本申请的任一种产品或者方法必不一定需要同时达到以上所述的所有优点。
附图说明
为了更清楚地说明本申请实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1为本申请在业务实现中的应用场景示意图；
图2A及图2B为用户进行燃气缴费账单查询的界面示意图；
图3是本申请实施例的区域消息共享方法流程图；
图4是本申请实施例的获取用户信息方法流程图；
图5是本申请实施例用户所属区域的查询示意图；
图6是本申请实施例支付宝的区域消息推送示意图；
图7为本申请一实施例的区域消息共享装置的结构框图；
图8为本申请一实施例的区域消息共享装置的结构框图；
图9为本申请一实施例的用户信息获取单元的结构框图；
图10为本申请一实施例的区域消息共享装置的结构框图。
具体实施方式
下面将结合本申请实施例中的附图，对本申请实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本申请一部分实施例，而不是全部的实施例。基于本申请中的实施例，本领域普通技术 人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本申请保护的范围。
图1为本申请在业务实现中的应用场景示意图。本申请实施例的技术方案可以在用户与支付平台服务器之间实现相关缴费消息推送业务，例如燃气出账消息推送、电费出账消息推送、水费出账消息推送等。现有技术中在实现相关监控业务时，通常由用户端(例如客户端A)通过第三方支付平台向支付平台服务器发送缴费账单查询请求，客户端A接收支付平台服务器查询到的缴费账单。图2A及图2B为用户进行燃气缴费账单查询的界面示意图，图2A中，用户进入第三方支付平台查询界面，用户点击燃气费选项，可以得到入图2B所示的查询结果(账单未出)。基于该实现方法，用户(包括客户端A、客户端B、客户端C)每次都需要通过第三方支付平台查询缴费账单，许多用户往往因为忘记查询缴费账单而未能及时进行缴费，造成个人征信的损失，为日后办理各类信用产品带来巨大障碍。
鉴于此，本申请实施例提供了一种区域消息共享方法，以便缴费机构出账后，及时向用户推送消息。图3是本申请实施例的区域消息共享方法流程图，该区域消息共享方法的执行主体是支付平台服务器，如图3所示，该区域消息共享方法包括：
S301：获取用户在第三方支付平台上发起的缴费账单查询请求。
缴费业务的缴费额账单一般由缴费机构(收取用户交纳的业务费用的单位)给出，用户在不知道某项缴费业务是否已经出账的情况下，可以通过第三方支付平台发起的缴费账单查询请求，该缴费账单查询请求由支付平台服务器接收。基于该缴费账单查询请求，支付平台服务器可以向缴费机构查询缴费账单。
S302：若根据所述缴费账单查询请求查询到缴费机关已出缴费账单， 根据所述缴费账单获取用户信息，所述用户信息包括用户所属区域。
支付平台服务器根据向缴费机构查询缴费账单的结果，可以判断缴费机关是否已出缴费账单。如果支付平台服务器查询到该用户的缴费账单，则说明缴费机关已出缴费账单，否则，缴费机关未出缴费账单。
在缴费机关已出缴费账单的情况下，支付平台服务器可以根据缴费账单获取用户信息，该用户信息包括用户所属区域。
一实施例中，如图4所示，根据缴费账单获取用户信息可以包括如下步骤：
S401：根据所述缴费账单获取用户的业务账号信息。
缴费账单中记录的用户的业务账号信息，例如电费缴费业务，缴费账单中记录了用户的客户编号：1003427548。该客户编号即为业务账号信息。
S402：根据所述业务账号信息查询用户地址。
业务账号信息用来标识不同用户，通过业务账号信息，可以在缴费机构查询到用户的地址。如图5所示，缴费机构中记录了与业务账号信息对应的用户地址：博兴九路2号院1-107。
S403：根据所述用户地址查询用户所属区域。
根据上述用户地址，可以查找到用户所属区域，用户所属区域可以为：用户所在小区，街道，或者用户所属行政区域等。结合图5说明，对于用户地址为博兴九路2号院1-107的用户，其对应的用户所属小区为****国际产业园。
S303：若未向所述用户所属区域推送过告知缴费机关已出缴费账单的消息，通过第三方支付平台账号向所述用户所属区域的所有用户推送告知缴费机关已出缴费账单的消息。
如果在某一用户在第三方支付平台上发起的缴费账单查询请求之前， 已经有其它用户在第三方支付平台上发起的缴费账单查询请求，并且已经查询到缴费账单，此时支付平台服务器可能已经通过第三方支付平台向用户所属区域推送过本期缴费账单已出的消息，本申请无需再通过第三方支付平台账号向用户所属区域的所有用户推送本期缴费账单已出的消息。因此，支付平台服务器需要先判断是否向用户所属区域推送过本期缴费账单已出的消息。如果支付平台服务器未向用户所属区域推送过本期缴费账单已出的消息，支付平台服务器就可以通过第三方支付平台账号向用户所属区域的所有用户推送本期缴费账单已出的消息。
本申请实施例中，可以在缴费机构未向第三方支付平台提供出账信息的前提下，基于某一用户通过第三方支付平台的查询，向第三方支付平台的其它用户推送准确的缴费机构出账消息，避免用户错过缴费期限。
下面以第三方支付平台中的支付宝为例，结合具体的例子说明本申请。
支付宝拥有大量用户，用户的缴费账号可以关联到用户所在的地址。用户可以通过移动终端或者PC等设备登录到支付宝进行业务操作，例如查询缴费账单、缴费等。
如图6所示，用户A通过支付宝发起缴费账单查询请求，查询本期缴费金额及缴费日期等信息。服务器端接收该缴费账单查询请求后，基于该缴费账单查询请求向缴费机构查询用户A的本期缴费账单，如果查询到本期缴费账单，即可知缴费机构已出账，可以保存用户A的本期缴费账单。基于该缴费账单服务器端可以首先查询到用户A的业务账号(例如用户A的购电卡客户编号：1003427548)，根据该业务账号可以查询到用户A的用户地址，最后，基于该用户地址，可以查询到用户A的所属区域。如果用户A是该所属区域中第一个查询到本期缴费账单的用户，那么服务器端就可以向该所属区域中的其他支付宝用户推送消息，告知 其他支付宝用户计费机构已经出账，可以进行缴费。如果用户A不是该所属区域中第一个查询到本期缴费账单的用户，那么服务器端可能已经向该所属区域中的支付宝用户推送过出账消息，服务器端可以查询到已经推送过本期缴费已出账单消息，就无需再向该所属区域中的支付宝用户推送出账消息。
基于与上述监控数据查询方法相同的发明构思，本申请提供一种区域消息共享装置，如下面实施例所述。由于该区域消息共享装置解决问题的原理与区域消息共享方法相似，因此该区域消息共享装置的实施可以参见区域消息共享方法的实施，重复之处不再赘述。
图7为本申请一实施例的区域消息共享装置的结构框图，该区域消息共享装置可以为第三方支付平台服务器。如图7所示，该区域消息共享装置包括：请求获取单元701，用户信息获取单元702及消息推送单元703。
请求获取单元701用于获取用户在第三方支付平台上发起的缴费账单查询请求；
用户信息获取单元702用于根据所述缴费账单获取用户信息，所述用户信息包括用户所属区域。具体实施时，用户所属区域可以为：用户所在小区，街道，或者用户所属行政区域等。
消息推送单元703用于通过第三方支付平台账号向所述用户所属区域的所有用户推送告知缴费机关已出缴费账单的消息。
一实施例中，如图8所示，该区域消息共享装置还包括：账单查询单元801，用于根据缴费账单查询请求查询缴费账单。
一实施例中，如图9所示，用户信息获取单元702包括：
业务账号获取模块901，用于根据所述缴费账单获取用户的业务账号信息；
地址查询模块902，用于根据所述业务账号信息查询用户地址；
区域查询模块903，用于根据所述用户地址查询用户所属区域。
一实施例中，如图10所示，该区域消息共享装置还包括：判断单元1001，用于判断是否向所述用户所属区域推送过告知缴费机关已出缴费账单的消息。
本申请实施例中，可以在缴费机构未向第三方支付平台提供出账信息的前提下，基于某一用户通过第三方支付平台的查询，向第三方支付平台的其它用户推送准确的缴费机构出账消息，避免用户错过缴费期限。
本领域内的技术人员应明白，本申请的实施例可提供为方法、系统、或计算机程序产品。因此，本申请可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本申请可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本申请是参照根据本申请实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程 图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
本申请中应用了具体实施例对本申请的原理及实施方式进行了阐述，以上实施例的说明只是用于帮助理解本申请的方法及其核心思想；同时，对于本领域的一般技术人员，依据本申请的思想，在具体实施方式及应用范围上均会有改变之处，综上所述，本说明书内容不应理解为对本申请的限制。

Claims (10)

  1. 一种区域消息共享方法，其特征在于，包括：
    获取用户在第三方支付平台上发起的缴费账单查询请求；
    若根据所述缴费账单查询请求查询到缴费机关已出缴费账单，根据所述缴费账单获取用户信息，所述用户信息包括用户所属区域；
    若未向所述用户所属区域推送过告知缴费机关已出缴费账单的消息，通过第三方支付平台账号向所述用户所属区域的所有用户推送告知缴费机关已出缴费账单的消息。
  2. 根据权利要求1所述的区域消息共享方法，其特征在于，还包括：根据所述缴费账单查询请求查询缴费账单。
  3. 根据权利要求1所述的区域消息共享方法，其特征在于，根据所述缴费账单获取用户信息，包括：
    根据所述缴费账单获取用户的业务账号信息；
    根据所述业务账号信息查询用户地址；
    根据所述用户地址查询用户所属区域。
  4. 根据权利要求1所述的区域消息共享方法，其特征在于，还包括：判断是否向所述用户所属区域推送过告知缴费机关已出缴费账单的消息。
  5. 根据权利要求1所述的区域消息共享方法，其特征在于，所述用户所属区域为：用户所在小区，街道，或者用户所属行政区域。
  6. 一种区域消息共享装置，其特征在于，包括：
    请求获取单元，获取用户在第三方支付平台上发起的缴费账单查询请求；
    用户信息获取单元，用于根据所述缴费账单获取用户信息，所述用户信息包括用户所属区域；
    消息推送单元，用于通过第三方支付平台账号向所述用户所属区域的所有用户推送告知缴费机关已出缴费账单的消息。
  7. 根据权利要求6所述的区域消息共享装置，其特征在于，还包括：账单查询单元，用于根据所述缴费账单查询请求查询缴费账单。
  8. 根据权利要求6所述的区域消息共享装置，其特征在于，所述用 户信息获取单元，包括：
    业务账号获取模块，用于根据所述缴费账单获取用户的业务账号信息；
    地址查询模块，用于根据所述业务账号信息查询用户地址；
    区域查询模块，用于根据所述用户地址查询用户所属区域。
  9. 根据权利要求6所述的区域消息共享装置，其特征在于，还包括：判断单元，用于判断是否向所述用户所属区域推送过告知缴费机关已出缴费账单的消息。
  10. 根据权利要求6所述的区域消息共享装置，其特征在于，所述用户所属区域为：用户所在小区，街道，或者用户所属行政区域。
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