WO2022155805A1

WO2022155805A1 - Payment method and apparatus, computer device, and storage medium

Info

Publication number: WO2022155805A1
Application number: PCT/CN2021/072816
Authority: WO
Inventors: 柳彤; 朱大卫; 邱力琪; 彭雪蕊; 马绍轩; 姜仕鸿; 吴林
Original assignee: 深圳海付移通科技有限公司
Priority date: 2021-01-20
Filing date: 2021-01-20
Publication date: 2022-07-28

Abstract

A payment method and apparatus, a computer device, and a storage medium. The payment method comprises: acquiring destination two-dimensional code information, the destination two-dimensional code information being information that cannot be recognized by a target electronic wallet of a consumer terminal; in a preset mapping, when third-party electronic wallet information matching the destination two-dimensional code information is found according to the target electronic wallet, using the found third-party electronic wallet information as target receipt information; generating translation information according to the target receipt information and the destination two-dimensional code information; and sending the translation information to the consumer terminal, so that the target electronic wallet of the consumer terminal recognizes the translation information and then performs a mobile payment operation. On the basis of the method above, when a third-party electronic wallet in a user terminal cannot recognize the two-dimensional code of a merchant, code information corresponding to the two-dimensional code of the merchant is translated into translation information that is recognizable by the third-party electronic wallet in the user terminal, thereby completing a payment transaction.

Description

Payment method, apparatus, computer equipment and storage medium

technical field

The present application relates to the technical field of mobile payment, and in particular, to a payment method, device, computer equipment and storage medium.

Background technique

In the mobile payment acquiring system, overseas, especially in Southeast Asia, including Indonesia, Singapore, Thailand and other countries and Hong Kong and Macau, the front-end merchants are scanning the QR code to be the local standard QR code designated by local supervision. Overseas e-wallets other than Southeast Asian countries, Hong Kong and Macau need to add identifiable payment information to the QR code when paying in these countries and regions, so that the replaced QR code can be adapted to local merchants and has The ability to accept payments locally, but this approach creates a heavy operational workload for the banking sector.

SUMMARY OF THE INVENTION

In order to solve the above technical problems, the present application provides a payment method, apparatus, computer equipment and storage medium.

In the first aspect, the present application provides a payment method, including:

Acquiring the two-dimensional code information of the destination, where the two-dimensional code information of the destination is information that cannot be identified by the target electronic wallet of the consumer terminal;

In the preset mapping relationship, when the third-party electronic wallet information matching the QR code information of the destination is found according to the target electronic wallet, the found third-party electronic wallet information is used as the target acquiring information;

Generate translation information according to the target acquiring information and the target QR code information;

Sending the translation information to the consumer terminal, so that the target electronic wallet of the consumer terminal recognizes the translation information and performs a mobile payment operation.

Optionally, before the acquisition of the target two-dimensional code information, the method further includes:

The preset mapping relationship is established according to the mapping relationship between the standard two-dimensional code information corresponding to each region, the multiple third-party electronic wallet information, and the multiple acquiring system information.

Optionally, each of the standard two-dimensional code information includes a regional organization identification code and a regional merchant identification code corresponding to each region, the acquiring system information includes a system platform organization number and a system platform merchant number, and the third-party electronic wallet. The information includes an acquirer number and an acquirer merchant number, and the establishment of the said Preset mapping relationships, including:

The preset mapping is established according to the association relationship between the regional organization identification code corresponding to each region, the regional merchant identification code corresponding to each region, the system platform organization number, the system platform merchant number, the acquiring agency number, and the acquiring merchant number. relation.

Optionally, according to the association relationship between the regional institution identification code corresponding to each region, the regional merchant identification code corresponding to each region, the system platform institution number, the system platform merchant number, the acquiring institution number, and the acquiring merchant number, Establishing the preset mapping relationship includes:

According to the one-to-one association relationship between the regional organization identification code corresponding to each region and the system platform organization number, the one-to-one association relationship between the regional merchant identification code corresponding to each region and the system platform merchant number, the region corresponding to each region The institution identification code corresponds to at least one association relationship of the acquiring agency number, the regional merchant identification code corresponding to each region corresponds to at least one association relationship of the acquiring merchant number, and the preset mapping relationship is established.

Optionally, the target two-dimensional code information includes the target institution identification code and the target merchant identification code, and the target acquiring information includes the target acquiring institution number and the target acquiring merchant number. When the target electronic wallet finds the third-party electronic wallet information that matches the two-dimensional code information of the target place, the found third-party electronic wallet information is used as the target acquiring information, including:

In the preset mapping relationship, the acquirer number that matches the target institution identification code and the target acquirer number is used as the target acquirer number;

The acquiring merchant number that matches the target merchant identification code and the target acquiring institution number is used as the target acquiring merchant number.

Optionally, after obtaining the two-dimensional code information of the target, the method further includes:

In the preset mapping relationship, when no third-party electronic wallet information matching the target two-dimensional code information is found according to the target electronic wallet, according to the target two-dimensional code information and the The target electronic wallet updates the preset mapping relationship.

Optionally, the updating of the preset mapping relationship according to the target two-dimensional code information and the target electronic wallet includes:

According to the target electronic wallet, add a target acquirer number corresponding to the target institution identification code;

According to the target electronic wallet, add a target acquirer merchant number corresponding to the target merchant identification code;

According to the target acquirer number and the target acquirer merchant number, the preset mapping relationship is updated to obtain an updated preset mapping relationship, and the updated preset mapping relationship is used according to the target electronic The wallet searches for the target acquiring information that matches the target QR code information.

In a second aspect, the present application provides a payment device, comprising:

a code information acquisition module, configured to acquire target two-dimensional code information, where the target two-dimensional code information is information that cannot be identified by the target electronic wallet of the consumer terminal;

code information query module, for in the preset mapping relationship, when the third-party electronic wallet information that matches the target two-dimensional code information is found according to the target electronic wallet, the found third-party electronic wallet information as target acquiring information;

a translation module for generating translation information according to the target acquiring information and the target two-dimensional code information;

The information sending module is used for sending the translation information to the consumer terminal, so that the third-party electronic wallet of the consumer terminal recognizes the translation information and performs a mobile payment operation.

A computer device, comprising a memory, a processor and a computer program stored in the memory and running on the processor, the processor implements the following steps when executing the computer program:

A computer-readable storage medium on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented:

The above payment method, device, computer equipment and storage medium, the method includes: acquiring target two-dimensional code information, the target two-dimensional code information is information that cannot be identified by the target electronic wallet of the consumer terminal; , when the third-party electronic wallet information that matches the QR code information of the target is found according to the target electronic wallet, the found third-party electronic wallet information is used as the target acquiring information; The single information and the target two-dimensional code information are used to generate translation information; and the translation information is sent to the consumer terminal, so that the target electronic wallet of the consumer terminal recognizes the translation information and performs a mobile payment operation. Based on the above method, when the third-party electronic wallet in the user terminal cannot recognize the merchant's QR code, the code information corresponding to the merchant's QR code can be translated into the translation information that can be recognized by the third-party electronic wallet in the user terminal, thereby completing the payment transaction.

Description of drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description serve to explain the principles of the invention.

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the accompanying drawings that need to be used in the description of the embodiments or the prior art. In other words, on the premise of no creative labor, other drawings can also be obtained from these drawings.

Fig. 1 is the application environment diagram of the payment method in one embodiment;

2 is a schematic flowchart of a payment method in one embodiment;

3 is a schematic diagram of a preset mapping relationship framework in one embodiment;

4 is a structural block diagram of a payment device in one embodiment;

FIG. 5 is a diagram of the internal structure of a computer device in one embodiment.

Detailed ways

In order to make the purposes, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be described clearly and completely below with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments It is a part of the embodiments of this application, but not all of the embodiments. Based on the embodiments in this application, all other embodiments obtained by those of ordinary skill in the art without creative work shall fall within the protection scope of this application.

FIG. 1 is an application environment diagram of a payment method in one embodiment. Referring to FIG. 1, the payment method is applied to a payment system. The payment system includes a consumer terminal 110 , an acquirer system 120 , a merchant system 130 and an electronic wallet background system 140 . The consumer terminal 110 is a mobile terminal held by a user, and the mobile terminal may specifically be at least one of a mobile phone, a tablet computer, a notebook computer, and the like. The consumer terminal includes electronic wallet software for scanning the QR code, and the electronic wallet software is the front-end application software corresponding to the third-party payment platform. The merchant system includes a front-end payment tool for electronic wallet payment, and the front-end payment tool includes a POS machine, or a two-dimensional code bulletin board for displaying the two-dimensional code for payment. The acquiring system includes an acquiring platform and a two-dimensional code translation system, wherein the two-dimensional code translation system can be independently set up independently of the acquiring system, or can form the acquiring system together with the acquiring platform. The electronic wallet backend system corresponds to the backend system of the third-party electronic wallet, and is used to support the third-party electronic wallet to complete payment operations such as transaction deductions.

The merchant system 130 sends a QR code generation request to the acquiring system 120, and the acquiring system 120 generates a QR code corresponding to the merchant system 130 according to the QR code standard specified by the local regulatory agency, and sends the collection QR code. The two-dimensional code is sent to the merchant system 130, and the merchant system 130 posts the two-dimensional code for payment, for consumers to scan the code for payment. The consumer uses the electronic wallet software in the consumer terminal 110 to scan the payment QR code posted by the merchant system 130. If there is no identification information matching the electronic wallet software of the consumer terminal 110 in the payment QR code, the electronic wallet software The information in the payment QR code cannot be recognized, that is, the consumer terminal 110 cannot complete the scan code payment. The consumer terminal 110 forwards the complete code information corresponding to the payment two-dimensional code obtained by scanning to the acquiring system 120, and the two-dimensional code translation platform in the acquiring system 120 translates the complete code information to generate a translation that can be recognized by the electronic wallet software. information, return the translation information to the consumer terminal 110, and make the electronic wallet software in the consumer terminal 110 recognize the translation information and initiate a payment request to the acquiring system 120. The acquiring system 120 creates a payment order according to the payment request, and sends the payment order to the electronic The wallet backend system 140 provides a cash register interface to the consumer terminal 110 through the electronic wallet backend system 140, so that the consumer can confirm the order information in the consumer terminal 110 and input the payment password, and the electronic wallet backend system 140 performs the payment according to the consumer's payment password. After verification and deduction, the electronic wallet background system 140 sends the deduction result to the acquiring system 120, and the acquiring system 120 sends the transaction result to the merchant system 130, thereby completing the mobile payment.

In one embodiment, FIG. 2 is a schematic flowchart of a payment method in one embodiment. Referring to FIG. 2 , a payment method is provided. In this embodiment, the method is mainly applied to the acquiring system 120 in FIG. 1 as an example. The payment method specifically includes the following steps:

Step S210, acquiring target two-dimensional code information, where the target two-dimensional code information is information that cannot be identified by the target electronic wallet of the consumer terminal 110.

Specifically, the QR code of the destination is the QR code of the payment QR code standard designated by the regulatory agency of any country or region. The payment QR code standard includes but is not limited to EMV (standards formulated by Europay, MasterCard, VISA and other organizations) , QRIS (standard set by Indonesia), Prompt Pay QR (standard set by Thailand) and PH QR (standard set by the Philippines), etc. The target QR code information is the information contained in the local standard QR code. The local QR code information includes the identification information of the e-wallet payment channel, the verification information corresponding to the payment channel, the merchant information allocated by the local regulatory agency, the identification information of the acquirer and the order information allocated by the local regulatory agency. The consumer terminal 110 is a mobile terminal held by the user, and the target electronic wallet is the payment software corresponding to any third-party electronic wallet on the consumer terminal 110. The third-party electronic wallet may specifically be at least one third-party payment platform such as WeChat, Alipay or Tenpay. The corresponding electronic wallet.

The e-wallet payment channel identification information determines whether the third-party e-wallet that scans the target QR code can identify the target QR code information. When the e-wallet payment channel identification information in the target QR code information includes the corresponding When the identification information of the third-party electronic wallet can scan the QR code of the identification target to obtain the corresponding QR code information of the target; when the electronic wallet payment channel identification information in the QR code information of the target does not include the corresponding When identifying, the third-party electronic wallet cannot scan the QR code of the destination to identify and obtain the information corresponding to the QR code of the destination.

Step S220, in the preset mapping relationship, when the third-party electronic wallet information matching the two-dimensional code information of the destination is found according to the target electronic wallet, the found third-party electronic wallet information is used as the target wallet. single information.

Specifically, the two-dimensional code translation platform stores a preset mapping relationship, and the preset mapping relationship includes standard two-dimensional code information corresponding to each country or region, multiple third-party electronic wallet information, and multiple acquiring system 120 information. In the preset mapping relationship, the third-party payment wallet is determined according to the target electronic wallet, so as to find the mapping relationship with the third payment wallet according to the QR code information of the target place, so as to obtain the second-party payment wallet with the target place. The third-party electronic wallet information that matches the dimensional code information is the target acquirer information, and the target acquirer information includes the target acquirer number and the target acquirer merchant number matching the target electronic wallet.

Step S230, generating translation information according to the target acquiring information and the target two-dimensional code information.

Specifically, there is still a blank field in the QR code information of the destination. After the QR code translation platform finds the target acquiring information corresponding to the target electronic wallet, the target acquiring information is added to the QR code information of the destination. , so as to generate translation information, and the translation information includes target QR code information and target acquiring information.

Step S240, sending the translation information to the consumer terminal 110, so that the target electronic wallet of the consumer terminal 110 recognizes the translation information and performs a mobile payment operation.

Specifically, since the translation information includes the target acquirer number and the target acquirer merchant number corresponding to the target electronic wallet, the target electronic wallet in the consumer terminal 110 can identify the translation information, and then the consumer terminal 110 can identify the translation information after identifying the translation information. Continue with subsequent payment operations. The QR code information is translated through the QR code translation system, without replacing the QR code for the third-party electronic wallet, but the QR code information that cannot be recognized by the third-party electronic wallet is converted into a third-party electronic wallet by means of translation. Identify the QR code information of the logo, so that the third-party electronic wallet can complete the identification and subsequent payment operations, reduce the production cost and operating cost of replacing the QR code, and can directly support the acceptance of electronic wallet payments in different countries or regions.

In one embodiment, before acquiring the two-dimensional code information of the destination, according to the mapping relationship between the standard two-dimensional code information corresponding to each region, the information of multiple third-party electronic wallets, and the information of multiple acquiring systems 120 , and the preset mapping relationship is established.

Specifically, according to the association relationship between the local corresponding standard two-dimensional code, the third-party electronic wallet and the acquiring system 120, the mapping relationship between the three is established, so that in the subsequent use process, according to the local two-dimensional code and Scan the payment method corresponding to the QR code to determine the third-party e-wallet information corresponding to the local QR code.

In one embodiment, each of the standard two-dimensional code information includes a regional organization identification code and a regional merchant identification code corresponding to each region, the acquiring system 120 information includes a system platform organization number and a system platform merchant number, and the first The three-party e-wallet information includes the acquirer number and the acquirer merchant number. The association relationship between the single merchant numbers is established, and the preset mapping relationship is established.

Specifically, referring to FIG. 3 , the regional agency identification code is the acquiring agency identification code uniformly allocated by the local regulatory agency, the regional merchant identification code is the merchant identification code uniformly allocated by the local regulatory agency, and the regulatory agency corresponding to each country or region is usually each The government bank of the country or territory. The acquirer number is the unique identification code related to the signed third-party electronic wallet obtained by each regional acquirer after each third-party e-wallet signs with each regional acquirer. For example, Alipay sends it to each regional acquirer. The corresponding PID identification code, or the MID identification code issued by WeChat to each regional acquirer. The merchant number of the acquirer is the identification code issued by each third-party electronic wallet to the acquirer in each region. For example, the PID identification code issued by Alipay to the acquirer in each region, or the corresponding ID code issued by WeChat to the acquirer in each region. MID identification code.

Establish the corresponding system platform organization number in the two-dimensional code translation system according to the local regional organization identification code, establish the corresponding system platform merchant number in the two-dimensional code translation system according to the local regional merchant identification code, and then based on the local regional organization The association between the identification code and the third-party electronic wallet, as well as the association between the local regional merchant identification code and the third-party electronic wallet, are added to the QR code translation system to form a preset mapping relationship, wherein the association The relationship may specifically include a registered relationship and/or a cooperative relationship and/or a filing relationship, etc.

In one embodiment, according to the one-to-one association relationship between the regional organization identification code corresponding to each region and the system platform organization number, the one-to-one association relationship between the regional merchant identification code corresponding to each region and the system platform merchant number , the regional organization identification code corresponding to each region corresponds to at least one association relationship of the acquiring agency number, the regional merchant identification code corresponding to each region corresponds to at least one association relationship of the acquiring merchant number, and the preset mapping relationship is established .

Specifically, referring to FIG. 3 , each of the regional agency identification codes corresponds to at least one of the acquiring agency numbers, indicating that the local acquiring agency supports at least one third-party electronic wallet, and all the regional agency identification codes corresponding to the The acquiring institution number corresponds to one of the system platform institution numbers, and the regional merchant identification code corresponds to at least one of the acquiring merchant numbers, indicating that the local acquiring merchant supports at least one third-party electronic wallet, and the regional merchant identification code corresponds to at least one of the acquiring merchant numbers. All the acquirer merchant numbers corresponding to the code correspond to one of the system platform merchant numbers, the regional organization identification code corresponds to the unique system platform organization number, and the regional merchant identification code corresponds to the unique system platform merchant No.

In one embodiment, the target two-dimensional code information includes a target institution identification code and a target merchant identification code, and in the preset mapping relationship, the target institution identification code and the target receipt The acquirer number that matches the single institution number is used as the target acquirer number; the acquirer number that matches the target merchant identification code and the target acquirer number is used as the target acquirer number No.

Specifically, the organization identification code of the destination is the regional organization identification code uniformly assigned by the regulatory agency to which the destination belongs, the merchant identification code of the destination is the regional merchant identification code uniformly assigned by the regulatory agency to which the destination belongs, and the QR code information of the destination carries For the payment method corresponding to the target electronic wallet in the consumer terminal 110, in the preset mapping relationship, look up the acquirer number corresponding to the target institution identification code to obtain the candidate acquirer number; in the candidate acquirer number, set the The acquirer number that matches the target e-wallet is used as the target acquirer number.

In the preset mapping relationship, look up the acquirer merchant number corresponding to the target merchant identification code, and obtain the candidate acquirer merchant number; in the candidate acquirer merchant number, take the acquirer merchant number that matches the target e-wallet as the target Acquiring merchant number.

In one embodiment, after the acquisition of the target two-dimensional code information, in the preset mapping relationship, when no third party matching the target two-dimensional code information is found according to the target electronic wallet In the case of electronic wallet information, the preset mapping relationship is updated according to the target two-dimensional code information and the target electronic wallet.

Specifically, when no third-party electronic wallet information matching the target two-dimensional code information is found in the preset mapping relationship, the acquiring system 120 establishes the target two-dimensional code information and the target electronic wallet according to requirements. After the association relationship is established, the preset mapping relationship is updated according to the relationship between the target QR code information and the target electronic wallet, so that the next time the relationship is searched, there is no need to re-establish the mapping relationship.

In one embodiment, according to the target electronic wallet, a target acquirer number corresponding to the target institution identification code is newly added; according to the target electronic wallet, a new target acquirer number corresponding to the target merchant identification code is added. The target acquirer number; according to the target acquirer number and the target acquirer number, update the preset mapping relationship to obtain an updated preset mapping relationship, and the updated preset mapping relationship uses searching for the target acquiring information that matches the two-dimensional code information of the target according to the target electronic wallet.

Specifically, when in the preset mapping relationship, the association between the target institution identification code and the target electronic wallet is not found, and/or the association between the target merchant identification code and the target electronic wallet is not found. , the acquiring system 120 establishes the association relationship between the target institution identification code and the target electronic wallet and between the target merchant identification code and the target electronic wallet according to the requirements. The association relationship between wallets and between the target merchant identification code and the target electronic wallet, update the preset mapping relationship, so that the next time the relationship is searched, there is no need to re-establish the mapping relationship. According to the updated preset mapping relationship, the target acquiring information corresponding to the two-dimensional code information of the destination is searched, and then translation information is generated according to the target acquiring information. That is, when a new payment channel occurs, only the mapping relationship corresponding to the new payment channel needs to be established, and then the code information is translated, so as to support electronic wallet payment in various countries or regions.

FIG. 2 is a schematic flowchart of a payment method in one embodiment. It should be understood that although the various steps in the flowchart of FIG. 2 are shown in sequence according to the arrows, these steps are not necessarily executed in the sequence shown by the arrows. Unless explicitly stated herein, the execution of these steps is not strictly limited to the order, and these steps may be performed in other orders. Moreover, at least a part of the steps in FIG. 2 may include multiple sub-steps or multiple stages. These sub-steps or stages are not necessarily executed and completed at the same time, but may be executed at different times. The execution of these sub-steps or stages The sequence is also not necessarily sequential, but may be performed alternately or alternately with other steps or sub-steps of other steps or at least a portion of a phase.

In one embodiment, as shown in Figure 4, a payment device is provided, comprising:

A code information acquisition module 310, configured to acquire target two-dimensional code information, where the target two-dimensional code information is information that cannot be identified by the target electronic wallet of the consumer terminal 110;

The code information query module 320 is used for, in the preset mapping relationship, when the third-party electronic wallet information that matches the two-dimensional code information of the target is found according to the target electronic wallet, the third-party electronic wallet information found The wallet information is used as the target acquiring information;

A translation module 330, configured to generate translation information according to the target acquiring information and the target two-dimensional code information;

The information sending module 340 is configured to send the translation information to the consumption terminal 110, so that the third-party electronic wallet of the consumption terminal 110 can perform a mobile payment operation after identifying the translation information.

In one embodiment, the apparatus further includes:

The mapping relationship establishing module is configured to establish the preset mapping relationship according to the mapping relationship between the standard two-dimensional code information corresponding to each region, the multiple third-party electronic wallet information and the multiple acquiring system 120 information.

In one embodiment, the mapping relationship establishing module includes:

The mapping relationship establishment unit is used for the association relationship between the regional organization identification code corresponding to each region, the regional merchant identification code corresponding to each region, the system platform organization number, the system platform merchant number, the acquiring agency number, and the acquiring merchant number. , and the preset mapping relationship is established.

In one embodiment, the mapping relationship establishing unit is further used for:

In one embodiment, the code information query module 320 includes:

an acquirer search unit, used for, in the preset mapping relationship, the acquirer number that matches the target institution identification code and the target acquirer number as the target acquirer number;

An acquirer merchant search unit, configured to use the acquirer merchant number matching the target merchant identification code and the target acquirer number as the target acquirer merchant number.

In one embodiment, the apparatus further includes:

The relationship update module is configured to, in the preset mapping relationship, when the third-party electronic wallet information matching the two-dimensional code information of the target place is not found according to the target electronic wallet, according to the target place two The dimensional code information and the target electronic wallet update the preset mapping relationship.

In one embodiment, the relationship update module includes:

an acquirer update unit, configured to add a target acquirer number corresponding to the target institution identification code according to the target electronic wallet;

an acquirer merchant update unit, configured to add a target acquirer merchant number corresponding to the target merchant identification code according to the target electronic wallet;

a mapping relationship updating unit, configured to update the preset mapping relationship according to the target acquirer number and the target acquirer merchant number to obtain an updated preset mapping relationship, the updated preset mapping relationship It is used for searching the target acquiring information matching the two-dimensional code information of the target according to the target electronic wallet.

Figure 5 shows an internal structure diagram of a computer device in one embodiment. The computer device may specifically be a server in the acquiring system 120 in FIG. 1 . As shown in FIG. 5, the computer device includes a processor, a memory, a network interface, an input device, and a display screen connected through a system bus. Wherein, the memory includes a non-volatile storage medium and an internal memory. The non-volatile storage medium of the computer device stores an operating system, and also stores a computer program, which, when executed by the processor, enables the processor to implement the payment method. A computer program can also be stored in the internal memory, and when executed by the processor, the computer program can cause the processor to execute the payment method. The display screen of the computer equipment may be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment may be a touch layer covered on the display screen, or a button, a trackball or a touchpad set on the shell of the computer equipment, or It can be an external keyboard, trackpad or mouse, etc.

Those skilled in the art can understand that the structure shown in FIG. 5 is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer equipment to which the solution of the present application is applied. Include more or fewer components than shown in the figures, or combine certain components, or have a different arrangement of components.

In one embodiment, the payment apparatus provided by the present application can be implemented in the form of a computer program, and the computer program can be executed on the computer device as shown in FIG. 5 . The memory of the computer device can store various program modules that make up the payment device, for example, the code information acquisition module 310, the code information query module 320, the translation module 330 and the information transmission module 340 shown in FIG. 4 . The computer program constituted by each program module enables the processor to execute the steps in the payment method of each embodiment of the present application described in this specification.

The computer device shown in FIG. 5 can obtain the two-dimensional code information of the destination through the code information acquisition module 310 in the payment device as shown in FIG. identifying information. The computer device can execute the preset mapping relationship through the code information query module 320. When the third-party electronic wallet information that matches the two-dimensional code information of the target place is found according to the target electronic wallet, the searched No. The third-party e-wallet information is used as the target acquiring information. The computer device may generate translation information according to the target acquiring information and the target two-dimensional code information through the translation module 330 . The computer device can send the translation information to the consumer terminal 110 through the information transmission module 340, so that the third-party electronic wallet of the consumer terminal 110 can perform a mobile payment operation after recognizing the translation information.

In one embodiment, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and running on the processor, and the processor can implement any one of the foregoing embodiments when the processor executes the computer program. Examples of method steps to be implemented.

In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the method steps to be implemented by any one of the foregoing embodiments can be implemented.

Those of ordinary skill in the art can understand that all or part of the processes in the methods of the above embodiments can be implemented by instructing relevant hardware through a computer program, and the program can be stored in a non-volatile computer-readable storage medium , when the program is executed, it may include the flow of the above-mentioned method embodiments. Wherein, any reference to memory, storage, database or other medium used in the various embodiments provided in this application may include non-volatile and/or volatile memory. Nonvolatile memory may include read only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory. Volatile memory may include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in various forms such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double-rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous chain Road (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

It should be noted that, in this document, relational terms such as "first" and "second" etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply these There is no such actual relationship or sequence between entities or operations. Moreover, the terms "comprising", "comprising" or any other variation thereof are intended to encompass a non-exclusive inclusion such that a process, method, article or device that includes a list of elements includes not only those elements, but also includes not explicitly listed or other elements inherent to such a process, method, article or apparatus. Without further limitation, an element qualified by the phrase "comprising a..." does not preclude the presence of additional identical elements in a process, method, article or apparatus that includes the element.

The above descriptions are only specific embodiments of the present invention, so that those skilled in the art can understand or implement the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein, but is to be accorded the widest scope consistent with the principles and novel features claimed herein.

Claims

A payment method, characterized in that it is applied to an acquiring system, the method comprising:

Acquiring the two-dimensional code information of the destination, where the two-dimensional code information of the destination is information that cannot be identified by the target electronic wallet of the consumer terminal;

In the preset mapping relationship, when the third-party electronic wallet information matching the QR code information of the destination is found according to the target electronic wallet, the found third-party electronic wallet information is used as the target acquiring information;

Generate translation information according to the target acquiring information and the target QR code information;

Sending the translation information to the consumer terminal, so that the target electronic wallet of the consumer terminal recognizes the translation information and performs a mobile payment operation.
The method according to claim 1, characterized in that, before the acquisition of the target two-dimensional code information, the method further comprises:

The preset mapping relationship is established according to the mapping relationship between the standard two-dimensional code information corresponding to each region, the multiple third-party electronic wallet information, and the multiple acquiring system information.
The method according to claim 2, wherein each of the standard two-dimensional code information includes a regional organization identification code and a regional merchant identification code corresponding to each region, and the acquiring system information includes a system platform organization number and a system platform. Merchant number, the third-party electronic wallet information includes the acquiring institution number and the acquiring merchant number, the standard two-dimensional code information corresponding to each region, multiple third-party electronic wallet information and multiple acquiring system information The mapping relationship between, establishing the preset mapping relationship, including:

The preset mapping is established according to the association relationship between the regional organization identification code corresponding to each region, the regional merchant identification code corresponding to each region, the system platform organization number, the system platform merchant number, the acquiring agency number, and the acquiring merchant number. relation.
The method according to claim 3, characterized in that, according to the regional organization identification code corresponding to each region, the regional merchant identification code corresponding to each region, the system platform organization number, the system platform merchant number, the acquiring agency number and the receiving agency number. The association relationship between the single merchant numbers, and establishing the preset mapping relationship, including:

According to the one-to-one association relationship between the regional organization identification code corresponding to each region and the system platform organization number, the one-to-one association relationship between the regional merchant identification code corresponding to each region and the system platform merchant number, the region corresponding to each region The institution identification code corresponds to at least one association relationship of the acquiring agency number, the regional merchant identification code corresponding to each region corresponds to at least one association relationship of the acquiring merchant number, and the preset mapping relationship is established.
The method according to claim 4, wherein the target two-dimensional code information includes a target institution identification code and a target merchant identification code, and the target acquirer information includes a target acquirer number and a target acquirer Merchant number, when the third-party electronic wallet information that matches the QR code information of the destination is found according to the target electronic wallet, the found third-party electronic wallet information is used as the target acquiring information, including:

In the preset mapping relationship, the acquirer number that matches the target institution identification code and the target acquirer number is used as the target acquirer number;

The acquiring merchant number that matches the target merchant identification code and the target acquiring institution number is used as the target acquiring merchant number.
The method according to claim 4, characterized in that after acquiring the two-dimensional code information of the target place, the method further comprises:

In the preset mapping relationship, when no third-party electronic wallet information matching the target two-dimensional code information is found according to the target electronic wallet, according to the target two-dimensional code information and the The target electronic wallet updates the preset mapping relationship.
The method according to claim 6, wherein the updating the preset mapping relationship according to the target two-dimensional code information and the target electronic wallet comprises:

According to the target electronic wallet, add a target acquirer number corresponding to the target institution identification code;

According to the target electronic wallet, add a target acquirer merchant number corresponding to the target merchant identification code;

According to the target acquirer number and the target acquirer merchant number, the preset mapping relationship is updated to obtain an updated preset mapping relationship, and the updated preset mapping relationship is used according to the target electronic The wallet searches for the target acquiring information that matches the target two-dimensional code information.
A payment device, characterized in that the device comprises:

a code information acquisition module for acquiring target two-dimensional code information, where the target two-dimensional code information is information that cannot be identified by the target electronic wallet of the consumer terminal;

code information query module, for in the preset mapping relationship, when the third-party electronic wallet information that matches the target two-dimensional code information is found according to the target electronic wallet, the found third-party electronic wallet information as target acquiring information;

a translation module for generating translation information according to the target acquiring information and the target two-dimensional code information;

The information sending module is used for sending the translation information to the consumer terminal, so that the third-party electronic wallet of the consumer terminal can identify the translation information and perform a mobile payment operation.
A computer device, comprising a memory, a processor and a computer program stored in the memory and running on the processor, wherein the processor implements any one of claims 1 to 7 when executing the computer program the steps of the method.
A computer-readable storage medium on which a computer program is stored, characterized in that, when the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.