WO2021022711A1

WO2021022711A1 - Multi-person joint payment method and apparatus, computer device and storage medium

Info

Publication number: WO2021022711A1
Application number: PCT/CN2019/117693
Authority: WO
Inventors: 赵付利; 贺义思
Original assignee: 平安科技（深圳）有限公司
Priority date: 2019-08-02
Filing date: 2019-11-12
Publication date: 2021-02-11
Also published as: CN110675135B; CN110675135A

Abstract

A multi-person joint payment method and apparatus, a computer device and a storage medium. The method comprises: acquiring payment account associated information of a plurality of users (210); receiving a payment task request from a merchant terminal, and according to the payment task request, determining a payment account set corresponding to the payment task request (220); on the basis of the payment account associated information of payment accounts in the payment account set and a total amount to be paid, determining an amount to be paid by each payment account in the payment account set (230); in accordance with the amount to be paid by each payment account in the payment account set, sending a payment instruction to terminals corresponding to the payment accounts (240); and according to a received confirmation payment instruction from the terminals corresponding to the payment accounts, deducting money from the payment accounts in the payment account set (250). In the described method, multiple people are allowed to pay a bill together, which improves efficiency and fairness when multiple people pay together.

Description

Multi-person payment method, device, computing device and storage medium

Technical field

This application is based on and claims the priority of the Chinese patent application filed on August 2, 2019 with the application number CN 201910713840.5 and titled "Multi-person payment method, device, medium and electronic equipment". The entire content is hereby incorporated. Enter as a reference.

This application relates to the field of data analysis technology, and in particular to a multi-person payment method, device, computing device, and computer non-volatile readable storage medium.

Background technique

With the advent of the Internet, especially the mobile Internet era, mobile payment is booming, and now it has entered a cashless era. When a user is making a mobile payment, he only needs to show the payment code or scan the merchant's payment code to complete the payment.

However, in reality, multiple people are often required to pay a bill together, the so-called AA system. In this scenario, the way that multiple people pay the bill together is generally as follows: first, select one person to pay the entire bill; then, calculate the amount that each person who wants to pay the bill together should share; finally, Each person pays the user who paid the entire bill according to the calculated apportionment amount.

Summary of the invention

technical problem

The inventor of the present application realizes that when multiple people jointly pay a bill, the payment process is complicated, resulting in low payment efficiency; in addition, the AA system does not mean absolute fairness, because users who jointly pay a bill do not It is not necessarily recognized that the payment is completely equal. Some users want to bear or have the ability to bear more shares. Therefore, when multiple people pay, the payment is completely equalized to some extent. There are also unfair factors.

The solution to the problem

Technical solutions

In the field of data analysis technology, in order to solve the above technical problems, the purpose of this application is to provide a multi-person payment method, device, computing device, and computer non-volatile readable storage medium.

The first aspect provides a multi-person payment method, including:

Obtain the payment account associated information of multiple users, and the payment account associated information of each user corresponds to one payment account;

Receive a payment task request from a merchant terminal, and determine a payment account set corresponding to the payment task request according to the payment task request, wherein the payment task request includes the total amount to be paid, and the payment account set includes at least one payment account ；

Determining the amount to be paid by each payment account in the payment account set based on the payment account associated information of the payment account in the payment account set and the total amount to be paid;

Sending a payment instruction to the terminal corresponding to the payment account according to the amount to be paid by each payment account in the payment account set;

The payment account in the payment account set is deducted according to the received payment confirmation instruction from the terminal corresponding to the payment account.

In the second aspect, a multi-person co-payment device is provided, including:

The obtaining module is configured to obtain the payment account associated information of multiple users, and the payment account associated information of each user corresponds to one payment account;

The receiving module is configured to receive a payment task request from a merchant terminal, and determine a payment account set corresponding to the payment task request according to the payment task request, wherein the payment task request includes the total amount to be paid, and the payment account The set contains at least one payment account;

A payment amount determination module configured to determine the amount to be paid by each payment account in the payment account set based on the payment account associated information of the payment account in the payment account set and the total amount to be paid;

A sending module configured to send a payment instruction to a terminal corresponding to the payment account according to the amount to be paid by each payment account in the payment account set;

The deduction module is configured to deduct the payment account in the payment account set according to the received payment confirmation instruction from the terminal corresponding to the payment account.

In a third aspect, a computing device is provided, including a memory and a processor, the memory is configured to store a program of the multi-person co-payment method of the processor, and the processor is configured to execute the multi-person co-payment The procedure of the method is to perform the following processing: obtain the payment account associated information of multiple users, and the payment account associated information of each user corresponds to a payment account; receive the payment task request from the merchant terminal, and determine the payment task request according to the payment task request. The payment account set corresponding to the payment task request, wherein the payment task request includes the total amount to be paid, the payment account set includes at least one payment account; based on the payment account associated information of the payment account in the payment account set and the payment to be paid The total amount determines the amount to be paid by each payment account in the payment account set; sends a payment instruction to the terminal corresponding to the payment account according to the amount to be paid by each payment account in the payment account set; according to the received from the payment account The payment confirmation instruction of the corresponding terminal deducts the payment account in the payment account set.

In a fourth aspect, a computer non-volatile readable storage medium storing computer readable instructions is provided, and a program of a multi-person payment method is stored thereon, and the program of the multi-person payment method is executed by a processor The following processing is implemented: acquiring the payment account associated information of multiple users, and each user’s payment account associated information corresponds to a payment account; receiving a payment task request from a merchant terminal, and determining the payment task request according to the payment task request Corresponding payment account sets, wherein the payment task request includes the total amount to be paid, and the payment account set includes at least one payment account; determined based on the payment account associated information of the payment accounts in the payment account set and the total amount to be paid The amount to be paid by each payment account in the payment account set; send a payment instruction to the terminal corresponding to the payment account according to the amount to be paid by each payment account in the payment account set; and according to the received from the terminal corresponding to the payment account The payment confirmation instruction of the payment account is deducted from the payment account set.

The aforementioned multi-person payment method, device, computing device, and computer non-volatile readable storage medium realize multi-person payment based on a collection of payment accounts. At the same time, users can complete multi-person payment without inputting the amount. , Which improves the efficiency when multiple people pay together. In addition, the amount to be paid for each payment account participating in the joint payment is generated based on the associated information of the payment account. The share shared by each user in the joint payment is not fixed and can be improved Fairness when multiple people pay.

It should be understood that the above general description and the following detailed description are only exemplary and cannot limit the application.

The beneficial effects of the invention

Brief description of the drawings

Description of the drawings

Fig. 1 is a schematic diagram showing an application scenario of a multi-person payment method according to an exemplary embodiment;

Fig. 2 is a flow chart showing a method for multi-person payment according to an exemplary embodiment;

Fig. 3 is a flow chart showing a method for multi-person joint payment according to an exemplary embodiment;

4 is a detailed flowchart of step 230 of an embodiment shown according to the embodiment corresponding to FIG. 2;

FIG. 5 is a detailed flowchart of step 230 in another embodiment according to the embodiment corresponding to FIG. 2;

FIG. 6 is a detailed flowchart of step 235 of an embodiment shown according to the embodiment corresponding to FIG. 5;

Fig. 7 is a block diagram showing a multi-person payment device according to an exemplary embodiment;

Fig. 8 is an exemplary block diagram of a computing device that implements the aforementioned multi-person payment method according to an exemplary embodiment;

Fig. 9 is a computer non-volatile readable storage medium for realizing the aforementioned multi-person payment method according to an exemplary embodiment.

Invention embodiment

Embodiments of the invention

Here, exemplary embodiments will be described in detail, and examples thereof are shown in the accompanying drawings. When the following description refers to the drawings, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements. The implementation manners described in the following exemplary embodiments do not represent all implementation manners consistent with the present application. On the contrary, they are only examples of devices and methods consistent with some aspects of the application as detailed in the appended claims.

In addition, the drawings are only schematic illustrations of the application, and are not necessarily drawn to scale. The same reference numerals in the figures denote the same or similar parts, and thus their repeated description will be omitted. Some of the block diagrams shown in the drawings are functional entities and do not necessarily correspond to physically or logically independent entities.

This application first provides a multi-person payment method. Multi-person payment means that at least two people jointly complete the payment of a bill.

The implementation terminal of this application can be any device with computing and processing functions. The device can be connected to an external device to receive or send information. It can be a portable mobile device, such as a smart phone, a tablet computer, a notebook computer, or a PDA (Personal Digital Assistant), etc., can also be fixed devices, such as computer equipment, field terminals, desktop computers, servers, workstations, etc., or a collection of multiple devices, such as the physical infrastructure of cloud computing.

Optionally, the implementation terminal of this application may be a server or a physical infrastructure of cloud computing.

Fig. 1 is a schematic diagram showing an application scenario of a multi-person payment method according to an exemplary embodiment. As shown in FIG. 1, it includes a server 110, a merchant terminal 120 and a user terminal 130. Two of the three can be connected through a communication link. After the user spends in the physical store of the merchant, he needs to pay electronically. The merchant terminal 120 and the user terminal 130 are respectively installed with an application for payment. The background of the application is running on the server 110, and the applications of the merchant terminal 120 and the user terminal 130 are registered on the server. At present, in general, the mobile payment method can be as follows: the user terminal 130 shows the payment code, and then the merchant terminal 120 scans the payment code, and submits the user account identification obtained by scanning the payment code and the amount that the user needs to pay to the server 110 , And finally complete the payment; in addition, the mobile payment method can also be like this: the merchant directly presents the payment code that can identify the business information for the payment, the user uses the user terminal to scan the payment code, and then enter the amount to be paid , And then submit the amount and the merchant's payment account information obtained by scanning the merchant's payment code to the server to complete the payment. The inventor of this application sees that the existing payment method includes at least the following defects: As shown in Figure 1, when multiple people want to pay together, one person needs to pay the full amount first, and then the person who wants to pay together needs to calculate their own needs. The paid share is then paid to the party who has paid the full amount in advance, and the payment efficiency is low; in addition, when multiple users pay together, it is impossible to fairly set the share that each person should share when the bill is paid.

Fig. 2 is a flowchart showing a method for multiple persons to pay together according to an exemplary embodiment. As shown in Figure 2, it includes the following steps:

Step 210: Obtain payment account associated information of multiple users.

The payment account associated information is information related to the payment account. The payment account associated information of each user corresponds to a payment account. It can be understood that the user is the owner of the payment account, so the payment account associated information, payment account, and user have a one-to-one correspondence. A payment account is an account corresponding to an application that can make payments. For example, it can be an account similar to an Alipay account or a WeChat account.

In addition, a piece of payment account related information is not necessarily only one piece of information, but can also be a collection of multiple pieces of information.

In one embodiment, when each user's payment account is registered and used, payment account related information will be generated and stored locally.

In an embodiment, the payment account associated information includes the user's occupation, age, gender, and other information.

Step 220: Receive a payment task request from the merchant terminal, and determine a payment account set corresponding to the payment task request according to the payment task request.

Wherein, the payment task request includes the total amount to be paid, the payment account set includes at least one payment account, and the payment account included in the payment account set is the account that needs to complete this payment.

The merchant terminal can be a desktop computer, a smart phone, a server, a workstation, etc., which can communicate with the outside world and can perform calculations or processing tasks. The payment task request can be any form of network request that can transmit information or data, for example, it can be an HTTP/HTTPS type request.

In an embodiment, the payment task request sent by the merchant terminal includes a payment account set composed of multiple payment accounts, and the multiple payment accounts constituting the payment account set can be obtained in the following manner:

Regarding the way that the merchant terminal scans and collects the payment code, the merchant's terminal can install specific hardware that can collect multiple payment codes or the device collected by the merchant terminal has multiple modes, including direct scan code deduction mode and scan code read account mode , When the device collected by the merchant terminal switches to the mode of scanning the code to read the account, each user is allowed to show the digital ID on his mobile terminal that can identify his account, and can obtain multiple payment accounts to be paid together.

In one embodiment, determining the set of payment accounts corresponding to the payment task request according to the payment task request specifically includes: the payment task request includes the account of the merchant, and the terminal for implementing this application has previously generated a merchant account that can uniquely identify the merchant account The digital identity (such as a QR code); the merchant provides the digital identity to the user, and multiple users who need to pay together use their terminal to scan the merchant’s digital identity and send it to the local end. Correspondence between the accounts of multiple users; then since the digital ID corresponds to the merchant account, and the digital ID also corresponds to the accounts of multiple users who are paying together, the unique correspondence between the merchant account and the multiple user accounts that are paying together can be obtained , And then determine the payment account set corresponding to the payment task request.

In one embodiment, the implementation terminal of the present application is a server, and the user enters the payment group password at the terminal to enable the local terminal to determine the payment account set corresponding to the payment task request according to the payment task request.

The group password can be provided by the merchant, allowing users to choose freely. When the group password is provided by the merchant and the merchant enters the payment amount, the merchant terminal automatically generates the payment group password. At this time, the payment group password can be sent by the server to the merchant terminal according to the merchant account, and it can be independently generated by the merchant terminal. The payment group password and the merchant account are sent to the server for corresponding storage. The merchant informs the payment group password to the user who needs to pay together. The user enters the payment group password at the specific payment entry on his terminal, and can associate his payment account with the total amount to be paid Binding, when multiple users confirm on the terminal, the payment accounts of multiple users, the corresponding payment group password, and the total amount to be paid will be uploaded to the server, so that when the merchant’s payment task request is received, the payment will be sent according to The account of the merchant requested by the task determines the corresponding payment group password. Based on the total amount to be paid and the payment group password submitted by the user before, the multiple user accounts who want to pay the bill together can be uniquely determined; when the payment group password is arbitrary by the user When selecting, the merchant’s account is sent from the merchant terminal to the server in advance. After multiple users enter the payment group password, the interface where the merchant account can be selected is loaded. The merchant account displayed in the interface is determined by the network location of the user terminal. After the user selects the same merchant account at the same time, he binds multiple user accounts for co-payment with the merchant account and submits them to the server. When the server receives a payment task request from the merchant, the merchant account can be determined according to the payment task request , And then determine the multiple payment accounts bound to the merchant account to pay together.

Step 230: Determine the amount to be paid by each payment account in the payment account set based on the payment account associated information of the payment account in the payment account set and the total amount to be paid.

In one embodiment, the payment account associated information includes the amount that the user wants to bear in the order for the multi-person co-payment order submitted by each user to the local terminal. Determine the amount to be paid by each payment account in the payment account set by: obtaining the amount submitted by all payment accounts to be borne in the order; determining the sum of the amounts; obtaining all payment accounts for each payment account The ratio of the amount to the sum; the product of the ratio of each payment account and the total amount to be paid is used as the amount to be paid in the payment account.

In one embodiment, the user’s payment account associated information includes the user’s age, occupation, gender, assets, payment amount, number of payments, and payment account type accounting for seven characteristic information. The payment is based on the payment account set The payment account associated information of the account and the total amount to be paid determine the amount to be paid by each payment account in the payment account set, including: separately linking each payment account associated information in the payment account associated information of the multiple users Numericalize the proportion of age, occupation, gender, assets, payment amount, number of payments, and type of bills paid to obtain the characteristic value; normalize each characteristic value obtained to [0, 1] to obtain Normalized feature value; for each payment account related information, convert the normalized feature value corresponding to the payment account related information into a vector to obtain the feature vector; according to the feature vector corresponding to the payment account related information, Cluster all payment accounts to obtain multiple clusters; obtain the payment ratio corresponding to each cluster; determine the cluster to which each payment account in the payment account set belongs; according to the payment ratio corresponding to the cluster and the payment The cluster to which each payment account in the account set belongs obtains the proportion of the payment amount of each payment account in the payment account set;

For each payment account, the product of the payment amount accounted for by the payment account and the total amount to be paid is used as the amount to be paid for the payment account.

In an embodiment, a correspondence table between the average range of the payment amount and the payment ratio is preset. First, determine the average payment amount of users in each cluster, and then look up the correspondence table to obtain the average payment amount range to which the average payment amount belongs, and then determine the payment ratio of each cluster.

In one embodiment, all payment accounts are clustered by the K-means algorithm.

In one embodiment, the average value of the normalized characteristic values of the payment amounts corresponding to all payment accounts in each cluster is obtained, and then the payment ratio of each cluster can be determined according to the average value. For example, a total of 5 clusters are obtained by clustering, and the average values obtained for each cluster are 0.20, 0.35, 0.50, 0.75 and 0.80 respectively; the sum of all the average values is 2.6; then the value of each cluster can be The ratio of the average value to 2.6 is used as the payout ratio of the cluster.

Step 240: Send a payment instruction to the terminal corresponding to the payment account according to the amount to be paid by each payment account in the payment account set.

In one embodiment, each payment account terminal is installed with an application, and a payment instruction is sent to the terminal corresponding to the payment account by triggering the terminal corresponding to the payment account to pop up a payment page.

Step 250: Debit the payment account in the payment account set according to the received payment confirmation instruction from the terminal corresponding to the payment account.

In one embodiment, the terminal corresponding to the payment account obtains the local payment instruction by displaying the payment page. There is also a button control for confirming the payment. When the user clicks the button control, the application will be sent The implementation terminal sends payment instructions.

In one embodiment, the method of deducting payment accounts in the payment account set may be: subtracting the corresponding amount to be paid from the account balance of each payment account; in the same way, the merchant account balance is increased by The same amount as the total amount to be paid.

In summary, in the embodiment shown in Figure 2, payment is based on a collection of payment accounts, which realizes multi-person co-payment. At the same time, the user can complete multi-person co-payment without inputting the amount, which improves the time when multiple people co-pay. In addition, when multiple people pay together, the amount paid by each person is determined based on the account-related information, so that the amount to be paid for each person is more suitable for the user, and the fairness of multiple payments is improved Sex.

Fig. 3 is a flowchart showing a method for multiple persons to pay together according to an exemplary embodiment. As shown in Figure 3, it includes a server, a merchant terminal, and 3 user terminals. After the three user terminals register with the server through the installed applications, the server will allocate a payment account for each user terminal user. The payment account can transfer in or out a certain amount; when each user uses the payment account, Various data will be generated. The information submitted during registration and the corresponding data of the payment account can be used as the payment account associated information; the merchant terminal sends a payment request to the server, and then the server will determine the payment account set according to the payment request. The payment account request contains pending information. The total amount of payment; then the server will determine the amount to be paid for each payment account according to the payment account associated information of the payment account in the payment account set and the total amount to be paid; after the server obtains the amount to be paid for each payment account, it will pay The terminal corresponding to each payment account in the account set sends a payment instruction; after the user terminal sends a payment confirmation instruction to the server, the server deducts the payment account of each user according to the amount to be paid for each payment account.

In one embodiment, the payment task request also includes the average payment base of the total amount to be paid. FIG. 4 is a detailed flowchart of step 230 of an embodiment shown according to the embodiment corresponding to FIG. 2. As shown in Figure 4, it includes the following steps:

Step 230': Determine the amount to be paid by each payment account in the payment account set based on the payment account associated information of the payment account in the payment account set, the average payment base of the total amount to be paid, and the total amount to be paid.

The average payment base is the minimum amount paid by payment accounts in the payment account collection. When determining the amount to be paid by a payment account, first obtain the number of payment accounts in the payment account set; obtain the product of the number and the average payment base; determine the difference between the total amount to be paid and the product; The difference and the payment account associated information are used to obtain the supplementary amount of each payment account. The supplementary amount is an unfixed part of the amount to be paid by each payment account; for each payment account, the supplementary amount is combined with the average payment base As the amount to be paid by the payment account. The advantage of this embodiment is that the determined amount to be paid by each payment account in the set of payment accounts does not differ too much, which improves the fairness of payment.

In an embodiment, the user's payment account associated information includes seven characteristic information of the user's age, occupation, gender, assets, payment amount, number of payments, and proportion of payment bill types. FIG. 5 is a detailed flowchart of step 230 in another embodiment shown according to the embodiment corresponding to FIG. 2. As shown in Figure 5, it includes the following steps:

In step 231, the age, occupation, gender, assets, payment amount, the number of payments, and the proportion of payment bill types of the user corresponding to each payment account in the payment account set are digitized to obtain characteristic values.

In one embodiment, the value of each item of feature information is obtained by looking up a table.

In one embodiment, the proportion of payment bills may be the proportion of luxury goods payment bills in the total consumption amount, or the proportion of daily necessities payment bills in the total consumption amount. For example, if a person’s luxury goods payment bill accounts for 0.5 in the total consumption amount, he can set the characteristic value of the payment account ratio to 5, if the daily necessities payment bill accounts for the total consumption amount as 0.8, set the characteristic value of the proportion of payment bills to 2.

In one embodiment, the characteristic value of age is obtained according to rules or experience. For example, set according to the wealth accumulation of each age group. For example, if a person’s age is 40-60 years old, because people in this age group generally accumulate the most wealth in their lifetime, and are generally the parents of the family or the management of the company, you can set the age for him The characteristic value is 9. In the same way, if a person is 30-40 years old, the characteristic value of age can be set to 8 for him, and the characteristic value of age can be set to 2 for people in the age group of 0-18. .

In one embodiment, the characteristic value of gender is set according to the division of labor in society and the disadvantage that women occupy in the job market. It is understandable that in daily life, the proportion of men paying bills is much higher than that of women. Therefore, the gender characteristic value of men is higher than that of women. For example, you can set a gender characteristic value of 4 for women and a gender characteristic value for men. For 6.

In one embodiment, the characteristic value of the asset can be judged according to the asset situation. For example, if a person has a car and a house, the characteristic value of the asset can be set to 8. If a person has a house but no car, he can be set The asset characteristic value is 6, a person has a car but no house, and the asset characteristic value can be set to 4 for him, and so on.

In one embodiment, the feature value of the occupation can be set in advance according to the average salary of each occupation in the current society. For example, the feature value for gold-collar workers is 9, the value for white-collar workers is 7, and the value for blue-collar workers is 5. Set the occupational feature value for housewives to 2, and so on.

Step 232: Normalize the characteristic values of the user’s age, occupation, gender, assets, payment amount, number of payments, and the proportion of payment bill types corresponding to each payment account in the payment account set to [0, 1] , Get the normalized feature value.

In one embodiment, a reference feature value is set for each feature information, and each feature value is normalized by obtaining the ratio of the feature value to the reference feature value.

Step 233: Obtain the weight of each feature information of age, occupation, gender, assets, payment amount, number of payments, and payment type of bills.

In one embodiment, the weight of each item of feature information is set in advance based on experience.

Step 234: Determine a weighted sum of normalized feature values for each user according to the weight.

Step 235: Determine the amount to be paid by the payment account of each user in the payment account set based on the weighted sum and the total amount to be paid.

In one embodiment, the amount to be paid by the payment account of each user in the payment account set is determined by: obtaining the sum of the weighted sums determined for each user; determining the weighted sum of each user and all The ratio of the sum is used as the first ratio; the product of the first ratio of each user and the total amount to be paid is taken as the amount to be paid for the payment account of each user in the payment account set.

The advantage of this embodiment is that the determined amount to be paid for each payment account is directly related to the characteristic value corresponding to the characteristic information, which ensures that the amount to be paid is consistent with the user.

FIG. 6 is a detailed flowchart of step 235 in an embodiment shown according to the embodiment corresponding to FIG. 5. As shown in Figure 6, it includes the following steps:

Step 2351: Sort the weighted sums determined for each user in descending order.

In one embodiment, the weighting and ranking determined for each user is performed by a bubble ranking algorithm.

Step 2352: Divide all weighted sums into a predetermined number of intervals in the order described.

Among them, the weighted sum determined for each user belongs to only one interval.

In one embodiment, first obtain the number of weighted sums; then determine the difference between the predetermined number and 1; obtain the ratio of the number of weighted sums to the difference; At the beginning of the weighted sum, the number obtained each time is the weighted sum of the ratio, and the weighted sum obtained this time is divided into an interval; when the number of remaining weighted sums is less than the ratio, all weighted sums are divided Is the last interval.

Step 2353: Determine the proportion of the weight within the interval and the payment amount of the corresponding user's payment account according to the divided interval.

In one embodiment, the weighting in each interval and the proportion of the payment amount of the corresponding user’s payment account are determined by the following method: the sum of the weighted sums determined for all users is obtained as the first value, and the The sum of the weighted sums determined by all users is used as the second value; the number of weighted sums in each interval is determined as the third value; for each interval, the ratio of the second value to the first value of the interval is obtained; according to The ratio of each interval determines the proportion of the weight in the interval and the payment amount of the corresponding user's payment account.

In one embodiment, the ratio between the weighted value of each payment account in the payment account set and the interval to which it belongs is obtained as the first ratio; the sum of all the first ratios is obtained; and then the ratio of each first ratio to the sum is obtained, As the second ratio; the second ratio corresponding to each payment account is used as the proportion of the payment amount of the payment account.

Step 2354: Regarding the payment account of each user in the payment account set, the product of the payment amount of the user's payment account and the total amount to be paid is used as the amount to be paid by the user's payment account.

The advantage of this embodiment is that by setting the payment ratio according to the weighted sum range, the difference in the payment ratio of each payment account in the same weighted sum range is made smaller, and the weighted sum determined is not sufficient to accurately indicate the payment of the bill. The ability to cause users to bear amounts that do not meet their own capabilities.

This application also provides a multi-person payment device. The following is an example of the device in this application.

Fig. 7 is a block diagram showing a multi-person payment device according to an exemplary embodiment. As shown in FIG. 7, the multi-person payment device 700 includes:

The obtaining module 710 is configured to obtain payment account associated information of multiple users, and the payment account associated information of each user corresponds to one payment account;

The receiving module 720 is configured to receive a payment task request from a merchant terminal, and determine a payment account set corresponding to the payment task request according to the payment task request, wherein the payment task request includes the total amount to be paid, and the payment The account set contains at least one payment account;

The amount to be paid determining module 730 is configured to determine the amount to be paid by each payment account in the payment account set based on the payment account associated information of the payment account in the payment account set and the total amount to be paid;

The sending module 740 is configured to send a payment instruction to the terminal corresponding to the payment account according to the amount to be paid by each payment account in the payment account set;

The deduction module 750 is configured to deduct the payment account in the payment account set according to the received confirmation payment instruction from the terminal corresponding to the payment account.

In an embodiment, the payment task request further includes an average payment base of the total amount to be paid, and the payment account set is determined based on the payment account associated information of the payment accounts in the payment account set and the total amount to be paid The amount to be paid by each payment account in the payment account set includes: determining each payment in the payment account set based on the payment account associated information of the payment account in the payment account set, the average payment base of the total amount to be paid, and the total amount to be paid The amount to be paid in the account.

In one embodiment, the user’s payment account associated information includes the user’s age, occupation, gender, assets, payment amount, number of payments, and payment account type accounting for seven characteristic information. The payment is based on the payment account set The payment account associated information of the account and the total amount to be paid determine the amount to be paid by each payment account in the payment account set, including: separately identifying the age and occupation of the user corresponding to each payment account in the payment account set. , Gender, assets, payment amount, the number of payments, and the proportion of payment bill types are digitized to obtain characteristic values; the age, occupation, gender, assets, and payment amount of the user corresponding to each payment account in the payment account set The characteristic values of, the number of payments and the proportion of payment types of bills are normalized to [0,1] to obtain the normalized characteristic values; obtain age, occupation, gender, assets, payment amount, and number of payments respectively , The type of bill payment accounts for the weight of each feature information; according to the weight, for each user, determine the weighted sum of the normalized feature values; determine the weighted sum based on the weighted sum and the total amount to be paid The amount to be paid in the payment account of each user in the payment account set.

In an embodiment, the determining the amount to be paid by the payment account of each user in the payment account set based on the weighted sum and the total amount to be paid includes: obtaining the weight determined for each user The sum of sum; determine the ratio of the weighted sum of each user to the sum as the first ratio; take the product of the first ratio of each user and the total amount to be paid as the payment account set The amount to be paid in each user's payment account.

In an embodiment, the determining the amount to be paid by the payment account of each user in the payment account set based on the weighted sum and the total amount to be paid includes: determining the weighted amount for each user The sums are sorted in descending order; all the weighted sums are divided into a predetermined number of intervals according to the stated order, wherein the weighted sum determined for each user belongs to only one interval; the interval is determined according to the divided interval The weighted sum of the corresponding user’s payment account’s payment amount ratio; for each user’s payment account in the payment account set, the product of the user’s payment account’s payment amount ratio and the total amount to be paid is taken as the The amount to be paid in the user's payment account.

In an embodiment, the determining the weighting in the interval and the proportion of the payment amount corresponding to the user's payment account according to the interval divided into includes: obtaining the sum of the weighted sums determined for all users as the first value, Obtain the sum of the weighted sums determined for all users in each interval as the second value; determine the number of weighted sums in each interval as the third value; for each interval, obtain the second value and the first value of the interval A ratio of a numerical value; according to the ratio of each interval, determine the weight in the interval and the proportion of the payment amount of the corresponding user's payment account.

In one embodiment, the user’s payment account associated information includes the user’s age, occupation, gender, assets, payment amount, number of payments, and payment account type accounting for seven characteristic information. The payment is based on the payment account set The payment account associated information of the account and the total amount to be paid determine the amount to be paid by each payment account in the payment account set, including: separately linking each payment account associated information in the payment account associated information of the multiple users Numericalize the proportion of age, occupation, gender, assets, payment amount, number of payments, and type of bills paid to obtain the characteristic value; normalize each characteristic value obtained to [0, 1] to obtain Normalized feature value; for each payment account related information, convert the normalized feature value corresponding to the payment account related information into a vector to obtain the feature vector; according to the feature vector corresponding to the payment account related information, Cluster all payment accounts to obtain multiple clusters; obtain the payment ratio corresponding to each cluster; determine the cluster to which each payment account in the payment account set belongs; according to the payment ratio corresponding to the cluster and the payment The cluster to which each payment account in the account set belongs obtains the proportion of the payment amount of each payment account in the payment account set; for each payment account, the product of the payment proportion of the payment account and the total amount to be paid is taken as the The amount to be paid for the payment account.

According to the third aspect of the present application, there is also provided a computing device that executes all or part of the steps of any one of the above-mentioned multi-person payment methods. The computing equipment includes:

At least one processor; and

A memory communicatively connected with the at least one processor; wherein,

The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can execute as shown in any one of the above exemplary embodiments. Multi-person payment method.

Those skilled in the art can understand that various aspects of the present application can be implemented as a system, method, or program product. Therefore, each aspect of the present application can be specifically implemented in the following forms, namely: complete hardware implementation, complete software implementation (including firmware, microcode, etc.), or a combination of hardware and software implementations, which can be collectively referred to herein as "Circuit", "Module" or "System".

The computing device 800 according to this embodiment of the present application will be described below with reference to FIG. 8. The computing device 800 shown in FIG. 8 is only an example, and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

As shown in FIG. 8, the computing device 800 is represented in the form of a general-purpose computing device. The components of the computing device 800 may include, but are not limited to: the aforementioned at least one processing unit 810, the aforementioned at least one storage unit 820, and a bus 830 connecting different system components (including the storage unit 820 and the processing unit 810).

Wherein, the storage unit stores program code, and the program code can be executed by the processing unit 810, so that the processing unit 810 executes the various exemplary methods described in the "Methods of Embodiments" section of this specification. Implementation steps.

The storage unit 820 may include a readable medium in the form of a volatile storage unit, such as a random access storage unit (RAM) 821 and/or a cache storage unit 822, and may further include a read-only storage unit (ROM) 823.

The storage unit 820 may also include a program/utility tool 824 having a set (at least one) program module 825. Such program module 825 includes but is not limited to: an operating system, one or more application programs, other program modules, and program data, Each of these examples or some combination may include the implementation of a network environment.

The bus 830 may represent one or more of several types of bus structures, including a storage unit bus or a storage unit controller, a peripheral bus, a graphics acceleration port, a processing unit, or a local area using any bus structure among multiple bus structures. bus.

The computing device 800 may also communicate with one or more external devices 1000 (such as keyboards, pointing devices, Bluetooth devices, etc.), and may also communicate with one or more devices that enable users to interact with the computing device 800, and/or communicate with Any device (eg, router, modem, etc.) that enables the computing device 800 to communicate with one or more other computing devices. This communication can be performed through an input/output (I/O) interface 850. In addition, the computing device 800 may also communicate with one or more networks (for example, a local area network (LAN), a wide area network (WAN), and/or a public network, such as the Internet) through the network adapter 860. As shown in the figure, the network adapter 860 communicates with other modules of the computing device 800 through the bus 830. It should be understood that although not shown in the figure, other hardware and/or software modules can be used in conjunction with the computing device 800, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives And data backup storage system, etc.

Through the description of the foregoing embodiments, those skilled in the art can easily understand that the exemplary embodiments described herein can be implemented by software, or can be implemented by combining software with necessary hardware. Therefore, the technical solution according to the embodiments of the present application can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (can be a CD-ROM, U disk, mobile hard disk, etc.) or on the network , Including several instructions to make a computing device (which may be a personal computer, server, terminal device, or network device, etc.) execute the method according to the embodiment of the present application.

According to the fourth aspect of the present application, there is also provided a computer non-volatile readable storage medium on which is stored a program product capable of implementing the above-mentioned method in this specification. In some possible implementation manners, each aspect of the present application can also be implemented in the form of a program product, which includes program code. When the program product runs on a terminal device, the program code is used to make the The terminal device executes the steps according to various exemplary embodiments of the present application described in the above-mentioned "Exemplary Method" section of this specification.

With reference to FIG. 9, a computer non-volatile readable storage medium 900 for implementing the above method according to an embodiment of the present application is described, which may adopt a portable compact disk read-only memory (CD-ROM) and includes program code , And can run on terminal devices, such as personal computers. However, the program product of this application is not limited to this. In this document, the computer non-volatile readable storage medium can be any tangible medium that contains or stores a program, and the program can be used by or in combination with an instruction execution system, device, or device. In conjunction with.

The program product can use any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or device, or a combination of any of the above. More specific examples (non-exhaustive list) of readable storage media include: electrical connections with one or more wires, portable disks, hard disks, random access memory (RAM), read only memory (ROM), erasable Type programmable read only memory (EPROM or flash memory), optical fiber, portable compact disk read only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination of the above.

The computer-readable signal medium may include a data signal propagated in baseband or as a part of a carrier wave, and readable program code is carried therein. This propagated data signal can take many forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing. The readable signal medium may also be any readable medium other than a readable storage medium, and the readable medium may send, propagate, or transmit a program for use by or in combination with the instruction execution system, apparatus, or device.

The program code contained on the readable medium can be transmitted by any suitable medium, including but not limited to wireless, wired, optical cable, RF, etc., or any suitable combination of the foregoing.

The program code used to perform the operations of this application can be written in any combination of one or more programming languages. The programming languages include object-oriented programming languages-such as Java, C++, etc., as well as conventional procedural programming languages. Programming language-such as "C" language or similar programming language. The program code can be executed entirely on the user's computing device, partly on the user's device, executed as an independent software package, partly on the user's computing device and partly executed on the remote computing device, or entirely on the remote computing device or server Executed on. In the case of a remote computing device, the remote computing device can be connected to a user computing device through any kind of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using Internet service providers) Business to connect via the Internet).

In addition, the above-mentioned drawings are only schematic illustrations of the processing included in the method according to the exemplary embodiments of the present application, and are not intended for limitation. It is easy to understand that the processing shown in the above drawings does not indicate or limit the time sequence of these processings. In addition, it is easy to understand that these processes can be executed synchronously or asynchronously in multiple modules, for example.

It should be understood that the present application is not limited to the precise structure that has been described above and shown in the drawings, and various modifications and changes can be performed without departing from its scope. The scope of the application is only limited by the appended claims.

Claims

A multi-person payment method, including:

Obtain the payment account associated information of multiple users, and the payment account associated information of each user corresponds to one payment account;

Receive a payment task request from a merchant terminal, and determine a payment account set corresponding to the payment task request according to the payment task request, wherein the payment task request includes the total amount to be paid, and the payment account set includes at least one payment account ；

Determining the amount to be paid by each payment account in the payment account set based on the payment account associated information of the payment account in the payment account set and the total amount to be paid;

Sending a payment instruction to the terminal corresponding to the payment account according to the amount to be paid by each payment account in the payment account set;

The payment account in the payment account set is deducted according to the received payment confirmation instruction from the terminal corresponding to the payment account.
The method according to claim 1, wherein the payment task request further includes an average payment base of the total amount to be paid, and the determination is based on the payment account associated information of the payment account in the payment account set and the total amount to be paid The amount to be paid by each payment account in the payment account set includes:

The amount to be paid by each payment account in the payment account set is determined based on the payment account associated information of the payment account in the payment account set, the average payment base of the total amount to be paid, and the total amount to be paid.
The method according to claim 1, wherein the user’s payment account-related information includes the user’s age, occupation, gender, assets, payment amount, number of payments, and payment account type. The payment account associated information of the payment account in the payment account set and the total amount to be paid determine the amount to be paid by each payment account in the payment account set, including:

Respectively quantify the age, occupation, gender, assets, payment amount, number of payments, and the proportion of payment bill types of users corresponding to each payment account in the payment account set to obtain characteristic values;

Normalize the characteristic values of the user's age, occupation, gender, assets, payment amount, number of payments, and the proportion of payment bill types in the payment account set corresponding to each payment account in the set of payment accounts to [0, 1], Obtain the normalized feature value;

Obtain the weight of each feature information of age, occupation, gender, assets, payment amount, number of payments, and type of bills paid separately;

According to the weight, determine the weighted sum of the normalized feature values for each user;

The amount to be paid by the payment account of each user in the payment account set is determined based on the weighted sum and the total amount to be paid.
The method according to claim 3, wherein the determining the amount to be paid by the payment account of each user in the payment account set based on the weighted sum and the total amount to be paid comprises:

Obtaining the sum of the weighted sums determined for each user;

Determine the ratio of the weighted sum of each user to the sum as the first ratio;

The product of the first ratio of each user and the total amount to be paid is taken as the amount to be paid for the payment account of each user in the payment account set.
The method according to claim 3, wherein the determining the amount to be paid by the payment account of each user in the payment account set based on the weighted sum and the total amount to be paid comprises:

Sort the weighted sums determined for each user in descending order;

Dividing all weighted sums into a predetermined number of intervals according to the stated order, wherein the weighted sum determined for each user belongs to only one interval;

According to the interval divided into, determine the weight in the interval and the proportion of the payment amount of the corresponding user's payment account;

For the payment account of each user in the payment account set, the product of the proportion of the payment amount of the user's payment account and the total amount to be paid is used as the amount to be paid by the user's payment account.
The method according to claim 5, wherein the determining the weight in the interval and the proportion of the payment amount corresponding to the user's payment account according to the interval divided into includes:

Obtain the sum of weighted sums determined for all users as the first value, and obtain the sum of weighted sums determined for all users in each interval as the second value;

Determine the number of weighted sums in each interval as the third value;

For each interval, obtain the ratio of the second value to the first value of the interval;

According to the ratio of each interval, determine the weight in the interval and the proportion of the payment amount of the corresponding user's payment account.
The method according to claim 1, wherein the user’s payment account-related information includes the user’s age, occupation, gender, assets, payment amount, number of payments, and payment account type. The payment account associated information of the payment account in the payment account set and the total amount to be paid determine the amount to be paid by each payment account in the payment account set, including:

Respectively quantify the proportion of age, occupation, gender, assets, payment amount, number of payments, and payment bill type included in each payment account associated information of the payment account associated information of the multiple users to obtain the characteristic value;

Normalize each obtained feature value to [0, 1] to obtain the normalized feature value;

For each payment account associated information, convert the normalized feature value corresponding to the payment account associated information into a vector to obtain a feature vector;

According to the feature vector corresponding to the related information of the payment account, cluster all the payment accounts to obtain multiple clusters;

Obtain the payment ratio corresponding to each cluster;

Determining the cluster to which each payment account in the payment account set belongs;

Obtaining the proportion of the payment amount of each payment account in the payment account set according to the payment proportion corresponding to the cluster and the cluster to which each payment account in the payment account set belongs;

For each payment account, the product of the payment amount accounted for by the payment account and the total amount to be paid is used as the amount to be paid for the payment account.
A multi-person payment device including:

The obtaining module is configured to obtain the payment account associated information of multiple users, and the payment account associated information of each user corresponds to one payment account;

The receiving module is configured to receive a payment task request from a merchant terminal, and determine a payment account set corresponding to the payment task request according to the payment task request, wherein the payment task request includes the total amount to be paid, and the payment account The set contains at least one payment account;

A payment amount determination module configured to determine the amount to be paid by each payment account in the payment account set based on the payment account associated information of the payment account in the payment account set and the total amount to be paid;

A sending module configured to send a payment instruction to a terminal corresponding to the payment account according to the amount to be paid by each payment account in the payment account set;

The deduction module is configured to deduct the payment account in the payment account set according to the received payment confirmation instruction from the terminal corresponding to the payment account.
The device according to claim 8, wherein the payment task request further includes an average payment base of the total amount to be paid, and the determination is based on the payment account associated information of the payment accounts in the payment account set and the total amount to be paid The amount to be paid by each payment account in the payment account set includes:

The amount to be paid by each payment account in the payment account set is determined based on the payment account associated information of the payment account in the payment account set, the average payment base of the total amount to be paid, and the total amount to be paid.
8. The device according to claim 8, wherein the user’s payment account associated information includes the user’s age, occupation, gender, assets, payment amount, number of payments, and payment account type. The payment account associated information of the payment account in the payment account set and the total amount to be paid determine the amount to be paid by each payment account in the payment account set, including:

Respectively quantify the age, occupation, gender, assets, payment amount, number of payments, and the proportion of payment bill types of users corresponding to each payment account in the payment account set to obtain characteristic values;

Normalize the characteristic values of the user's age, occupation, gender, assets, payment amount, number of payments, and the proportion of payment bill types in the payment account set corresponding to each payment account in the set of payment accounts to [0, 1], Obtain the normalized feature value;

Obtain the weight of each feature information of age, occupation, gender, assets, payment amount, number of payments, and type of bills paid separately;

According to the weight, determine the weighted sum of the normalized feature values for each user;

The amount to be paid by the payment account of each user in the payment account set is determined based on the weighted sum and the total amount to be paid.
The device according to claim 10, wherein the determining the amount to be paid by the payment account of each user in the payment account set based on the weighted sum and the total amount to be paid comprises:

Obtaining the sum of the weighted sums determined for each user;

Determine the ratio of the weighted sum of each user to the sum as the first ratio;

The product of the first ratio of each user and the total amount to be paid is taken as the amount to be paid for the payment account of each user in the payment account set.
The device according to claim 10, wherein the determining the amount to be paid by the payment account of each user in the payment account set based on the weighted sum and the total amount to be paid comprises:

Sort the weighted sums determined for each user in descending order;

Dividing all weighted sums into a predetermined number of intervals according to the stated order, wherein the weighted sum determined for each user belongs to only one interval;

According to the interval divided into, determine the weight in the interval and the proportion of the payment amount of the corresponding user's payment account;

For the payment account of each user in the payment account set, the product of the proportion of the payment amount of the user's payment account and the total amount to be paid is used as the amount to be paid by the user's payment account.
The device according to claim 10, wherein the determining the amount to be paid by the payment account of each user in the payment account set based on the weighted sum and the total amount to be paid comprises:

Sort the weighted sums determined for each user in descending order;

Dividing all weighted sums into a predetermined number of intervals according to the stated order, wherein the weighted sum determined for each user belongs to only one interval;

According to the interval divided into, determine the weight in the interval and the proportion of the payment amount of the corresponding user's payment account;

For the payment account of each user in the payment account set, the product of the proportion of the payment amount of the user's payment account and the total amount to be paid is used as the amount to be paid by the user's payment account.
8. The device according to claim 8, wherein the user’s payment account associated information includes the user’s age, occupation, gender, assets, payment amount, number of payments, and payment account type. The payment account associated information of the payment account in the payment account set and the total amount to be paid determine the amount to be paid by each payment account in the payment account set, including:

Respectively quantify the proportion of age, occupation, gender, assets, payment amount, number of payments, and payment bill type included in each payment account associated information of the payment account associated information of the multiple users to obtain the characteristic value;

Normalize each obtained feature value to [0, 1] to obtain the normalized feature value;

For each payment account associated information, convert the normalized feature value corresponding to the payment account associated information into a vector to obtain a feature vector;

According to the feature vector corresponding to the related information of the payment account, cluster all the payment accounts to obtain multiple clusters;

Obtain the payment ratio corresponding to each cluster;

Determining the cluster to which each payment account in the payment account set belongs;

Obtaining the proportion of the payment amount of each payment account in the payment account set according to the payment proportion corresponding to the cluster and the cluster to which each payment account in the payment account set belongs;

For each payment account, the product of the payment amount accounted for by the payment account and the total amount to be paid is used as the amount to be paid for the payment account.
A computing device includes a memory and a processor, the memory stores computer-readable instructions, and when the computer-readable instructions are executed by the processor, the processor executes:

Obtain the payment account associated information of multiple users, and the payment account associated information of each user corresponds to one payment account;

Receive a payment task request from a merchant terminal, and determine a payment account set corresponding to the payment task request according to the payment task request, wherein the payment task request includes the total amount to be paid, and the payment account set includes at least one payment account ；

Determining the amount to be paid by each payment account in the payment account set based on the payment account associated information of the payment account in the payment account set and the total amount to be paid;

Sending a payment instruction to the terminal corresponding to the payment account according to the amount to be paid by each payment account in the payment account set;

The payment account in the payment account set is deducted according to the received payment confirmation instruction from the terminal corresponding to the payment account.
The computing device according to claim 15, wherein the payment task request further includes an average payment base of the total amount to be paid, and the payment account-related information based on the payment account in the payment account set and the total amount to be paid Determining the amount to be paid by each payment account in the payment account set includes:

The amount to be paid by each payment account in the payment account set is determined based on the payment account associated information of the payment account in the payment account set, the average payment base of the total amount to be paid, and the total amount to be paid.
The computing device according to claim 15, wherein the user’s payment account associated information includes seven characteristic information of the user’s age, occupation, gender, assets, payment amount, number of payments, and proportion of payment bill types. The determination of the amount to be paid by each payment account in the payment account set based on the payment account associated information of the payment account in the payment account set and the total amount to be paid includes:

Respectively quantify the age, occupation, gender, assets, payment amount, number of payments, and the proportion of payment bill types of the user corresponding to each payment account in the payment account set to obtain characteristic values;

Normalize the characteristic values of the user's age, occupation, gender, assets, payment amount, number of payments, and the proportion of payment bill types in the payment account set corresponding to each payment account in the set of payment accounts to [0, 1], Obtain the normalized feature value;

Obtain the weight of each feature information of age, occupation, gender, assets, payment amount, number of payments, and type of bills paid separately;

According to the weight, determine the weighted sum of the normalized feature values for each user;

The amount to be paid by the payment account of each user in the payment account set is determined based on the weighted sum and the total amount to be paid.
The computing device according to claim 17, wherein the determining the amount to be paid by the payment account of each user in the set of payment accounts based on the weighted sum and the total amount to be paid comprises:

Obtaining the sum of the weighted sums determined for each user;

Determine the ratio of the weighted sum of each user to the sum as the first ratio;

The product of the first ratio of each user and the total amount to be paid is taken as the amount to be paid for the payment account of each user in the payment account set.
The computing device according to claim 17, wherein the determining the amount to be paid by the payment account of each user in the set of payment accounts based on the weighted sum and the total amount to be paid comprises:

Sort the weighted sums determined for each user in descending order;

Dividing all weighted sums into a predetermined number of intervals according to the stated order, wherein the weighted sum determined for each user belongs to only one interval;

According to the interval divided into, determine the weight in the interval and the proportion of the payment amount of the corresponding user's payment account;

For the payment account of each user in the payment account set, the product of the proportion of the payment amount of the user's payment account and the total amount to be paid is used as the amount to be paid by the user's payment account.
The computing device according to claim 19, wherein the determining the weight in the interval and the proportion of the payment amount corresponding to the user's payment account according to the interval divided into includes:

Obtain the sum of weighted sums determined for all users as the first value, and obtain the sum of weighted sums determined for all users in each interval as the second value;

Determine the number of weighted sums in each interval as the third value;

For each interval, obtain the ratio of the second value to the first value of the interval;

According to the ratio of each interval, determine the weight in the interval and the proportion of the payment amount of the corresponding user's payment account.
The computing device according to claim 15, wherein the user’s payment account associated information includes seven characteristic information of the user’s age, occupation, gender, assets, payment amount, number of payments, and proportion of payment bill types. The determination of the amount to be paid by each payment account in the payment account set based on the payment account associated information of the payment account in the payment account set and the total amount to be paid includes:

Respectively quantify the proportion of age, occupation, gender, assets, payment amount, number of payments, and payment bill type included in each payment account associated information of the payment account associated information of the multiple users to obtain the characteristic value;

Normalize each obtained feature value to [0, 1] to obtain the normalized feature value;

For each payment account associated information, convert the normalized feature value corresponding to the payment account associated information into a vector to obtain a feature vector;

According to the feature vector corresponding to the related information of the payment account, cluster all the payment accounts to obtain multiple clusters;

Obtain the payment ratio corresponding to each cluster;

Determining the cluster to which each payment account in the payment account set belongs;

Obtaining the proportion of the payment amount of each payment account in the payment account set according to the payment proportion corresponding to the cluster and the cluster to which each payment account in the payment account set belongs;

For each payment account, the product of the payment amount accounted for by the payment account and the total amount to be paid is used as the amount to be paid for the payment account.
A computer non-volatile readable storage medium storing computer readable instructions, which when executed by one or more processors, cause one or more processors to execute any one of claims 1 to 7 The method described in the item.