WO2024109451A1 - 优惠信息查询方法、装置、设备、存储介质及产品 - Google Patents

优惠信息查询方法、装置、设备、存储介质及产品 Download PDF

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Publication number
WO2024109451A1
WO2024109451A1 PCT/CN2023/127559 CN2023127559W WO2024109451A1 WO 2024109451 A1 WO2024109451 A1 WO 2024109451A1 CN 2023127559 W CN2023127559 W CN 2023127559W WO 2024109451 A1 WO2024109451 A1 WO 2024109451A1
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WIPO (PCT)
Prior art keywords
information
preferential
card
target
platform
Prior art date
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Ceased
Application number
PCT/CN2023/127559
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English (en)
French (fr)
Inventor
韩阳
杨珂
刘苏林
曹苏欣
陈钰芳
邓智
方姣
刘子龙
杨绪森
牛天耘
姜华
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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Publication of WO2024109451A1 publication Critical patent/WO2024109451A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]

Definitions

  • the present application relates to payment technology, and more particularly to a method, device, equipment, storage medium and product for querying preferential information.
  • online transaction marketing activities based on the marketing operation open platform support various marketing forms such as fixed instant discounts, random instant discounts and tickets.
  • the marketing funds of multiple entities can only be unified into the designated account of one entity, and the marketing activities will be uniformly configured by the entity.
  • only the preferential information provided by one entity can be selected.
  • the display of preferential information of marketing activities of multiple entities is not supported, which makes it impossible to use multiple preferential information across entities in the same order.
  • the embodiments of the present application provide a preferential information query method, device, equipment, storage medium and product, which can eliminate the need to uniformly transfer the marketing funds of multiple entities to a designated account of one entity, and can display preferential information of marketing activities of multiple entities, thereby realizing the use of multiple preferential information across entities in the same order.
  • the present application embodiment provides a preferential information query method for payment platform
  • the method comprises:
  • the platform In response to the preferential information query request, query the platform preferential information corresponding to the target order, and obtain the card information of the target payment card corresponding to the target user account, wherein the target user account is the user account logged in to the payment terminal;
  • the platform discount information and the card discount information are sent to the payment terminal so that the payment terminal displays the platform discount information and the card discount information on the payment interface corresponding to the target order, and pays the target order based on the discount resources corresponding to the platform discount information and the card discount information.
  • an embodiment of the present application provides a preferential information query method, which is applied to a payment terminal, and the method includes:
  • a preferential information query request for the target order is sent to the payment platform, where the preferential information query request is used to instruct the payment platform to query the platform preferential information corresponding to the target order and the card preferential information corresponding to the target payment card, where the target payment card is the payment card corresponding to the target user account, and the target user account is the user account logged in to the payment terminal;
  • an embodiment of the present application provides a preferential information query device, which is applied to a payment platform, and the device includes:
  • a first request receiving module configured to receive a preferential information query request for a target order sent by a payment terminal
  • An information acquisition module used to respond to a preferential information query request, query the platform preferential information corresponding to the target order, and obtain the card information of the target payment card corresponding to the target user account, wherein the target user account is the user account logged in to the payment terminal;
  • a first query request module configured to send a card preferential information query request to a target card issuing institution corresponding to a target payment card according to the card information and the order information corresponding to the target order, wherein the card preferential information query request is used to instruct the target card issuing institution to query the card preferential information corresponding to the target payment card according to the order information and the platform preferential information;
  • a first information receiving module used to receive card preferential information returned by a target card issuing institution
  • the first information sending module is used to send platform preferential information and card preferential information to the payment terminal, so that the payment terminal displays the platform preferential information and card preferential information on the payment interface corresponding to the target order, and pays the target order based on the preferential resources corresponding to the platform preferential information and card preferential information.
  • an embodiment of the present application provides a preferential information query device, which is applied to a payment terminal, and the device includes:
  • a first input receiving module used to receive a first input from a user for triggering entry into a payment interface corresponding to a target order
  • a second query request module configured to send a preferential information query request for a target order to the payment platform in response to the first input, wherein the preferential information query request is used to instruct the payment platform to query the platform preferential information corresponding to the target order and the card preferential information corresponding to the target payment card, wherein the target payment card is the payment card corresponding to the target user account, and the target user account is the user account logged in to the payment terminal;
  • the second information receiving module is used to receive the platform preferential information and card preferential information returned by the payment platform;
  • the first display module is used to display the payment interface, and display the platform discount information and the card discount information in the payment interface.
  • an embodiment of the present application provides an electronic device, the electronic device comprising: a processor and a memory storing computer program instructions;
  • an embodiment of the present application provides a computer-readable storage medium, on which computer program instructions are stored.
  • the steps of the preferential information query method as described in any one of the embodiments of the first aspect or the second aspect are implemented.
  • an embodiment of the present application provides a computer program product.
  • the instructions in the computer program product are executed by a processor of an electronic device, the electronic device executes the steps of the preferential information query method as described in any one of the embodiments of the first aspect or the second aspect.
  • the preferential information query method, device, equipment, storage medium and product in the embodiment of the present application receive the preferential information query request for the target order sent by the payment terminal through the payment platform, query the platform preferential information corresponding to the target order according to the preferential information query request, and obtain the target payment card information of the target user; according to the target payment card information and the target order information, the payment platform sends a card preferential information query request to the target card issuing institution corresponding to the target payment card; after the payment platform receives the card preferential information returned by the target card issuing institution, it sends the platform preferential information and the card preferential information to the payment terminal, and the payment terminal can pay the target order according to the preferential resources corresponding to the platform preferential information and the card preferential information.
  • the card preferential information corresponding to the target payment card can be queried for the user through the target payment card information and the target order information, without the need to uniformly transfer the marketing funds of multiple entities to the designated account of one entity, and by sending the queried card preferential information and the platform preferential information corresponding to the target order provided to the user to the payment terminal, the marketing activity preferential information of multiple entities can be displayed, and multiple preferential information across entities can be used in the same order.
  • FIG1 is a flow chart of a preferential information query method provided by an embodiment of the first aspect of the present application.
  • FIG2 is a flow chart of another preferential information query method provided in an embodiment of the present application.
  • FIG3 is a transaction flow diagram of a preferential information query method provided in an embodiment of the present application.
  • FIG4 is a schematic diagram of a transaction cancellation process of a preferential information query method provided in an embodiment of the present application.
  • FIG5 is a schematic diagram of a return process of a preferential information query method provided in an embodiment of the present application.
  • FIG6 is a flow chart of another preferential information query method provided in an embodiment of the present application.
  • FIG. 7 is a schematic diagram of a process flow of switching platform preferential information of a preferential information query method provided in an embodiment of the present application;
  • FIG8 is a flow chart of switching card preferential information of a preferential information query method provided in an embodiment of the present application.
  • FIG. 9 is a flow chart of a preferential information query method provided by an embodiment of the second aspect of the present application.
  • FIG. 10 is a schematic diagram of a payment interface and a preferential information selection interface of a preferential information query method provided in an embodiment of the present application;
  • FIG. 11 is a schematic diagram of the structure of a preferential information query device provided by an embodiment of the first aspect of the present application.
  • FIG. 12 is a schematic diagram of the structure of a preferential information query device provided by an embodiment of the second aspect of the present application.
  • FIG. 13 is a schematic diagram of the structure of an electronic device provided by an embodiment of the present application.
  • the transaction marketing activities carried out by the network platform are all based on the marketing operation open platform, through fixed instant discounts, random instant discounts and coupons and other marketing methods, combined with the investment of various payment platforms or joint investment between various payment platforms.
  • only one entity can select the preferential information provided by the same entity, and the display of marketing activity preferential information of multiple entities is not supported, resulting in the inability to use multiple preferential information across entities in the same order.
  • the embodiments of the present application provide a preferential information query method, device, equipment, storage medium and product.
  • the payment platform involved in the embodiment of the present application may include an online payment platform, an internal marketing system corresponding to the online payment platform, and a payment card exchange system corresponding to the online payment platform, wherein the online payment platform may be a transaction system that provides payment transactions, the marketing system may provide preferential information to users based on marketing activities, and the payment card exchange system may request payment from the bank card issuing system corresponding to the payment card based on the payment card information.
  • the online payment platform may be a transaction system that provides payment transactions
  • the marketing system may provide preferential information to users based on marketing activities
  • the payment card exchange system may request payment from the bank card issuing system corresponding to the payment card based on the payment card information.
  • the payment platform receives a preferential information query request for a target order sent by a payment terminal, queries the platform preferential information corresponding to the target order based on the preferential information query request, and obtains the card information of the target payment card corresponding to the target user account; sends a card preferential information query request to the target card issuing institution corresponding to the target payment card based on the card information and the order information corresponding to the target order; after receiving the card preferential information returned by the target card issuing institution, sends the platform preferential information and the card preferential information to the payment terminal, and the payment terminal may pay the target order based on the preferential resources corresponding to the platform preferential information and the card preferential information.
  • Fig. 1 is a flow chart of a preferential information query method provided by the first embodiment of the present application.
  • the preferential information query method can be applied to a payment platform.
  • the preferential information query method may specifically include the following steps:
  • the payment platform receives the preferential information query request for the target order sent by the payment terminal, queries the platform preferential information corresponding to the target order according to the preferential information query request, and obtains the target payment card information of the target user; according to the target payment card information and the target order information, the payment platform sends a card preferential information query request to the target card issuing institution corresponding to the target payment card; after receiving the card preferential information returned by the target card issuing institution, the payment platform sends the platform preferential information and the card preferential information to the payment terminal, and the payment terminal can pay the target order according to the preferential resources corresponding to the platform preferential information and the card preferential information.
  • the card preferential information corresponding to the target payment card can be queried for the user through the target payment card information and the target order information, without the need to uniformly transfer the marketing funds of multiple entities to the designated account of one entity, and by sending the queried card preferential information and the platform preferential information corresponding to the target order provided to the user to the payment terminal, the marketing activity preferential information of multiple entities can be displayed, and multiple preferential information across entities can be used in the same order.
  • the payment terminal involved in the embodiments of the present application may include a merchant terminal and payment software capable of performing payment transactions.
  • the merchant terminal here may be, for example, a merchant that can initiate a transaction.
  • the payment transaction may be initiated by the payment software through online payment, offline scanned payment, or offline active scanned payment, and the payment transaction is performed between the payment software and the payment platform.
  • the target order may be a transaction order corresponding to the payment transaction initiated by the payment terminal, wherein the target order may include transaction order information, such as transaction serial number and transaction amount. Discount information may be, for example, a fixed instant reduction amount, a random instant reduction amount, a discount amount, etc. Payment discount amount information.
  • the platform preferential information involved in the embodiments of the present application may be, for example, the payment preferential amount information provided by the marketing activities of the payment platform corresponding to the target payment order.
  • the target user account may be a user account logged in to the payment terminal.
  • the target user has a corresponding target payment card in the payment terminal.
  • the card information of the corresponding target payment card may be obtained based on the target user account.
  • the target payment card here may be provided by any bank card issuing institution.
  • the card information of the target payment card may include, for example, the card number, the payment card issuing institution, the cardholder identity information, the cardholder mobile phone number, and other information.
  • the network payment platform in the payment platform responds to the preferential information query request for the target order sent by the payment terminal, and sends a query to the internal marketing system for the platform preferential information corresponding to the target order, and the internal marketing system queries the platform preferential information.
  • the target card issuing institution involved in the embodiments of the present application may include a bank card issuing institution corresponding to the target payment card and an external marketing system corresponding to the bank card issuing institution.
  • the card discount information query request may include, for example, the transaction amount information of the target order and the order amount after using the discount resources corresponding to the platform discount information.
  • the card discount information corresponding to the target payment card may be, for example, the payment discount amount information provided by the marketing activities of the bank card issuing institution corresponding to the target payment card.
  • the internal marketing system in the payment platform sends a card information discount information query request to the external marketing system in the target card issuing institution corresponding to the target payment card based on the card information and the order information corresponding to the target order.
  • the external marketing system compares the order information and the platform discount information with the card discount information corresponding to the target payment card, so that the discount amount corresponding to the target payment card and the platform discount amount can be used in combination.
  • the internal marketing system in the payment platform receives the card discount information returned by the external marketing system, and provides the card discount information and the platform discount information to the network payment platform.
  • the network payment platform in the payment platform sends the platform discount information and the card discount information to the payment terminal, and the target user can pay for the target order based on the platform discount information and the card discount information displayed on the payment interface at the payment terminal.
  • the present application embodiment also provides a preferential information query method As shown in Figure 2, the method may also include:
  • the first acceptance result and the second acceptance result are obtained respectively according to the platform preferential information and the card preferential information in the first payment request.
  • the payment platform sends a second payment request to the target card issuing institution, and the target card issuing institution deducts the target payment card according to the amount to be paid after acceptance corresponding to the target order in the second payment request.
  • the target card issuing institution is requested to deduct money according to the amount to be paid after acceptance corresponding to the target order, so that the marketing funds of multiple entities do not need to be uniformly transferred to the designated account of one entity.
  • the network payment platform in the payment platform receives a first payment request for the target order sent by the payment terminal, and the first payment request includes platform discount information and card discount information corresponding to the target payment card.
  • the first acceptance result involved in the embodiments of the present application may be that the internal marketing system in the payment platform performs resource acceptance based on the preferential resources corresponding to the platform preferential information to obtain the first preferential amount.
  • the network payment platform in the payment platform responds to the first payment request and sends a preferential resource acceptance request corresponding to the platform preferential information to the internal marketing system.
  • the internal marketing system accepts the preferential resources according to the preferential resources corresponding to the platform preferential information in the acceptance request to obtain the first preferential amount.
  • the second acceptance result involved in the embodiments of the present application may be that the external marketing system in the target card issuing institution performs resource acceptance based on the preferential resources corresponding to the card preferential information to obtain the second preferential amount.
  • the internal marketing system in the payment platform sends an acceptance request to the external marketing system in the target card issuing institution, and the external marketing system performs resource acceptance according to the preferential resources corresponding to the card preferential information in the acceptance request to obtain a second acceptance result.
  • the internal marketing system in the payment platform receives the second acceptance result returned by the external marketing system in the target card issuer, and returns the second acceptance result to the network payment platform in the payment platform.
  • the network payment platform in the payment platform sends a second payment request to the bank card issuing institution in the target payment card institution via the payment card exchange system, and the bank card issuing institution deducts the target payment card according to the amount to be paid after acceptance corresponding to the target order in the second payment request.
  • the online payment platform receives a preferential information query request sent by the payment software in the payment terminal, queries the platform preferential information corresponding to the target order through the internal marketing system according to the preferential information query request, and obtains the card information of the target payment card.
  • the internal marketing system sends a card preferential information query request to the external marketing system according to the card information and order information, receives the card preferential information returned by the external marketing system, provides the card preferential information and the platform preferential information to the online payment platform, and the online payment platform sends the platform preferential information and the card preferential information to the terminal device.
  • the online payment platform receives the first payment request sent by the payment terminal, and obtains a first acceptance result through the internal marketing system according to the payment request.
  • the internal marketing system sends an acceptance request to the external marketing system, and the external marketing system obtains a second acceptance result based on the preferential resources corresponding to the card preferential information, and returns the second acceptance result to the internal marketing system.
  • the internal marketing system returns the second acceptance result to the online payment platform.
  • the online payment platform sends a second payment request to the bank issuing institution via the payment card exchange system.
  • the bank issuing institution deducts the target payment card according to the accepted amount to be paid corresponding to the target order in the second payment request.
  • the transaction fails; if the transaction succeeds on the payment platform, but the target card issuer fails to respond to the transaction, the transaction fails; if the transaction succeeds on the payment platform, the target card issuer responds to the transaction successfully, but fails to deduct the target payment card, the transaction fails, and a transaction cancellation request needs to be sent to the target card issuer.
  • the method may further include:
  • a revocation payment request is sent to the target card issuing institution, wherein the revocation payment request is used to instruct the target card issuing institution to revoke the deduction process on the target payment card.
  • the online payment platform receives a transaction cancellation request for a target order sent by the merchant end.
  • the online payment platform responds to the transaction cancellation request and cancels the acceptance of the first preferential amount through the internal marketing system to obtain a cancellation result.
  • the internal marketing system sends a cancellation acceptance request to the external marketing system in the target card issuer, and the external marketing system cancels the acceptance of the second preferential amount according to the cancellation acceptance request.
  • the internal marketing system returns the cancellation result to the online payment platform. If the cancellation result is successful, the online payment platform sends a cancellation payment request to the bank card issuer in the target card issuer through the bank card exchange system, and the bank card issuer deducts the target payment card according to the cancellation payment request.
  • the target card issuer is unaware of it; when the transaction cancellation is successful on the payment platform and a cancellation acceptance request is sent to the target card issuer, but the cancellation fails because the bank card issuer fails, the transaction cancellation fails.
  • the user can return the product. Based on this, the method may further include:
  • the first target preferential amount returning the preferential resources corresponding to the first target preferential amount, and, according to the second target preferential amount, sending a preferential resource return request to the target card issuing institution, wherein the preferential resource return request is used to instruct the target card issuing institution to return the preferential resources corresponding to the second target preferential amount;
  • the online payment platform receives a return request for a target order sent by a merchant.
  • the online payment platform obtains the return amount corresponding to the target order via the internal marketing system, and determines the first target preferential amount to be refunded from the first preferential amount according to the return amount.
  • the internal marketing system sends a preferential amount query request to the external marketing system, and the external marketing system determines the second target preferential amount to be refunded from the second preferential amount according to the return amount.
  • the internal marketing system returns the preferential resources corresponding to the first target preferential amount according to the first target preferential amount, and sends a preferential resource return request to the external marketing system, and the external marketing system returns the preferential resources corresponding to the second target preferential amount according to the preferential resource return request.
  • the online payment platform sends a return notice to the bank card issuing institution via the bank card exchange system.
  • the embodiment of the present application also provides another embodiment of the preferential information query method.
  • the method may further include:
  • S630 Send the best preferential information combination as recommended preferential information to the payment terminal, so that the payment terminal selects and displays the recommended preferential information by default.
  • the platform discount information and the card discount information in pairs are obtained, and the best discount information combination corresponding to the maximum discount amount is determined among the multiple discount information combinations.
  • the best discount information combination is sent to the payment terminal as recommended discount information. Users can obtain the best discount combination of multiple platforms based on the recommended discount information selected and displayed by default on the payment terminal.
  • the preferential information combination involved in the embodiments of the present application can be, for example, to sort the platform preferential information according to the activity type, activity priority and preferential strength in sequence, sort the card preferential information according to the preferential amount from large to small, and then combine them in pairs to determine that the two activities can be combined, and then obtain a preferential information combination including a platform preferential information and a card preferential information.
  • the activity types here can include preferential activities such as instant reduction amount, tickets, external points and red envelopes.
  • the activity priority can be set, for example, to have a higher priority for instant reduction amount and tickets than for external points, and a higher priority for external points than for red envelopes.
  • the types of discounts provided according to different activity types may include, for example, fixed instant discount amounts, random instant discount amounts, discounts, fixed prices, buy M get N discounts, and exclusive merchant discounts.
  • the total discount amount can be obtained according to the plurality of discount information respectively, and the discount information combination with the largest available total discount amount is determined as the best discount information combination.
  • the recommended discount information involved in the embodiments of the present application may be, for example, the discount combination information selected by the payment terminal by default for the user.
  • the above S620 may specifically include:
  • the initial preferential information combination involved in the embodiments of the present application may be a preferential information combination of any platform preferential information and any card preferential information.
  • the target order amount is 100
  • the preferential resources of the platform preferential information are a random instant discount with a lower limit of 21 and an upper limit of 50, and the preferential resources of the card preferential information are a fixed instant discount of 80
  • the preferential amount after combining the lower limit of 21 of the random instant discount preferential resources and the fixed instant discount of 80 exceeds the target order amount of 100, the initial preferential information combination cannot be used as a preferential information combination.
  • the above S630 may specifically include:
  • the first discount information is sent to the payment terminal as recommended discount information, wherein the first discount information is any one of multiple platform discount information and multiple card discount information.
  • the first preferential information involved in the embodiments of the present application may be, for example, preferential information of any single preferential activity among multiple platform preferential information and multiple card preferential information.
  • it may be a free-of-charge activity.
  • the preferential amount corresponding to the first preferential information is greater than the maximum total preferential amount corresponding to the best preferential information combination, the single activity is used as the default recommended combination and the first preferential information is sent to the payment terminal as the recommended preferential information.
  • the above-mentioned determination of the total discount amounts corresponding to the multiple initial discount information combinations may specifically include:
  • the total preferential amount corresponding to the initial preferential information combination is determined according to the lower limit value of the random preferential range corresponding to the second preferential information, wherein the second preferential information is any preferential information in the initial preferential information combination.
  • the method further includes:
  • the maximum random amount corresponding to the initial discount information combination is determined according to the upper limit value of the random discount range corresponding to the second discount information;
  • the upper limit value is adjusted so that the maximum random amount is not greater than the total order amount.
  • the above-mentioned adjusted upper limit value may be specifically To include:
  • the initial discount information combination is a random discount of the platform discount information and the discount resource of the card discount information is a fixed discount of 80
  • the discount amount after combining the lower limit value 10 of the random discount range and the fixed discount of 80 does not exceed the target order amount of 100, then the initial discount information combination can be used as the discount information combination.
  • the above adjustment upper limit value may specifically include:
  • the difference between the total order amount and the actual random amount is calculated to obtain the second target difference
  • the target order amount is 100
  • the random discount range corresponding to the platform discount information has a lower limit of 20 and an upper limit of 50
  • the random discount range corresponding to the card discount information has a lower limit of 50 and an upper limit of 99
  • the sum of the actual random amount and the lower limit of the random discount range corresponding to the platform discount information is not greater than the total order amount.
  • the second target difference of 45 is obtained.
  • the method may further include:
  • the discount amount corresponding to the platform discount information is fixedly set to the lower limit value of the random discount range corresponding to it, and an upper limit adjustment request is sent to the target card issuing institution, wherein the upper limit adjustment request is used to instruct the target card issuing institution to adjust the upper limit value of the random discount range corresponding to the card discount information to a third target difference, and the third target difference is the difference between the total order amount and the lower limit value of the random discount range corresponding to the platform discount information.
  • the target card issuing institution adjusts the upper limit value of the random discount range corresponding to the card discount information to the difference between the total order amount and the lower limit value of the random discount range corresponding to the platform discount information, that is, adjusts the upper limit value to 80. This ensures that the maximum random amount does not exceed the target order amount of 100.
  • the method may further include:
  • the first information query request is a request sent by the payment terminal when a user switches selected platform preferential information to first platform preferential information for the target order;
  • the first platform preferential information involved in the embodiments of the present application may be any one of a plurality of platform preferential information other than the selected platform preferential information.
  • the first card preferential information may be, for example, card preferential information that matches the first platform preferential information to ensure that the first platform The maximum discount amount after combining the discount information and the first card discount information shall not exceed the target order amount.
  • the online payment platform receives a first information query request for a target order sent by the payment software, and in response to the information query request, queries the preferential amount corresponding to the preferential information of the first platform through the internal marketing system, and the internal marketing system sends a second information query request to the external marketing system.
  • the external marketing system queries the matching first card preferential information based on the preferential amount corresponding to the preferential information of the first platform, and returns the first card preferential information.
  • the online payment platform receives the first card preferential information returned by the external marketing system through the internal marketing system, and sends the first platform preferential information and the first card preferential information to the payment software.
  • the method may further include:
  • the third information query request is a request sent by the payment terminal when the user switches the selected card preferential information to the second card preferential information for the target order;
  • the preferential amounts corresponding to the second platform preferential information and the second card preferential information wherein the second platform preferential information is the platform preferential information selected by the user for the target order;
  • the second card discount information is sent to the payment terminal.
  • the second card preferential information involved in the embodiments of the present application may be any one of a plurality of card preferential information except the selected card preferential information.
  • the second platform preferential information may be the selected platform preferential information.
  • the online payment platform receives a third information query request for a target order sent by a payment terminal, and in response to the information query request, queries the discount amounts corresponding to the second platform discount information and the second card discount information through the internal marketing system, and determines whether the sum of the corresponding discount amounts is greater than the total order amount corresponding to the target order.
  • the second card discount information remains unchanged, and the second card discount information is returned to the online payment platform, which sends the second card discount information to the payment software; if the discount amount is less than the total order amount, the second card discount information remains unchanged, and the second card discount information is returned to the online payment platform, which sends the second card discount information to the payment software; If the sum of the amounts is greater than the total order amount, a pop-up window will be displayed to prompt the user that the discount amount of the currently selected discount combination exceeds the total order amount, and the user needs to reselect the card discount information.
  • Fig. 9 is a flow chart of a preferential information query method provided by the second embodiment of the present application.
  • the preferential information query method can be applied to a payment terminal.
  • the preferential information query method may specifically include the following steps:
  • a preferential information query request for the target order is sent to the payment platform, where the preferential information query request is used to instruct the payment platform to query the platform preferential information corresponding to the target order and the card preferential information corresponding to the target payment card, where the target payment card is the payment card corresponding to the target user account, and the target user account is the user account logged in to the payment terminal;
  • the payment terminal receives the first input of the user for triggering the entry into the payment interface corresponding to the target order, and sends a query request for the preferential information of the target order to the payment platform, and displays the platform preferential information and the card preferential information in the payment interface according to the platform preferential information and the card preferential information returned by the payment platform.
  • the marketing activity preferential information of multiple entities can be displayed, so that multiple preferential information across entities can be used in the same order.
  • the preferential information query method of the second aspect of the present application is the same as the preferential information query method of the first aspect, and for the sake of simplicity, it will not be described in detail here.
  • the method may further include:
  • a first payment request for the target order is sent to the payment platform, wherein the first payment request includes platform discount information and card discount information, and the first payment request is used to instruct the payment platform to process the payment of the target order according to the discount resources corresponding to the platform discount information and the card discount information respectively.
  • the method may further include:
  • Display platform discount information and card discount information in the payment interface including:
  • Recommended discount information is selected by default and displayed in the payment interface.
  • the method may further include:
  • a discount information selection interface is displayed, and a plurality of platform discount information is displayed in a first area of the discount information selection interface, and a plurality of card discount information is displayed in a second area of the discount information selection interface.
  • the first area and the second area involved in the embodiments of the present application may be any two areas in the preferential information selection interface.
  • the platform preferential information may be displayed on the upper side of the preferential selection interface
  • the card preferential information may be displayed on the lower side of the preferential selection interface.
  • the payment interface corresponding to the target order displays the platform preferential information and the card preferential information, as well as the target payment card information used to pay the target order.
  • the user can confirm the payment and process the payment for the target order.
  • the preferential information selection interface shown in FIG10(b) when there are multiple platform preferential information or multiple card preferential information, the default selected recommended preferential information is displayed to the user in the payment interface, and more preferential information can be selected to be displayed in the payment interface, and a preferential information selection interface is displayed to the user.
  • the user can make an independent selection based on the displayed multiple platform preferential information and multiple card preferential information, so as to realize the use of multiple preferential information across entities in the same order.
  • the method may further include:
  • a first information query request for the target order is sent to the payment platform, where the first information query request is used to instruct the payment platform to query the first platform preferential information and the matching first card preferential information;
  • the method may further include:
  • a third information query request for the target order is sent to the payment platform, where the third information query request is used to instruct the payment platform to query the preferential amounts corresponding to the selected second platform preferential information and the second card preferential information, and determine that the sum of the preferential amounts corresponding to the second platform preferential information and the second card preferential information is not greater than the total order amount corresponding to the target order;
  • the switching between the platform preferential information and the card preferential information in the second embodiment of the present application is the same as the switching operation between the platform preferential information and the card preferential information in the first embodiment, and will not be described in detail here.
  • the present application also provides a preferential information query device, which is described in detail in conjunction with FIG.
  • Fig. 11 is a schematic diagram of the structure of a preferential information query device provided by the first embodiment of the present application.
  • the preferential information query method can be applied to a payment platform.
  • the preferential information query device 1100 may include:
  • the first request receiving module 1101 is used to receive a preferential request for a target order sent by a payment terminal. Request for information query;
  • the information acquisition module 1102 is used to respond to the preferential information query request, query the platform preferential information corresponding to the target order, and obtain the card information of the target payment card corresponding to the target user account, wherein the target user account is the user account logged in to the payment terminal;
  • a first query request module 1103 is used to send a card preferential information query request to a target card issuing institution corresponding to a target payment card according to the card information and the order information corresponding to the target order, wherein the card preferential information query request is used to instruct the target card issuing institution to query the card preferential information corresponding to the target payment card according to the order information and the platform preferential information;
  • the first information receiving module 1104 is used to receive the card preferential information returned by the target card issuing institution;
  • the first information sending module 1105 is used to send platform preferential information and card preferential information to the payment terminal, so that the payment terminal displays the platform preferential information and card preferential information on the payment interface corresponding to the target order, and pays the target order based on the preferential resources corresponding to the platform preferential information and card preferential information.
  • the above preferential information query device 1100 is described in detail below, as shown below:
  • the above-mentioned preferential information query device 1100 may further include:
  • a first resource acceptance module configured to respond to a payment request, accept a first preferential amount based on the preferential resource corresponding to the platform preferential information, and obtain a first acceptance result
  • a first sending module is used to send an acceptance request to a target card issuing institution, wherein the acceptance request is used to instruct the target card issuing institution to accept the second preferential amount based on the preferential resources corresponding to the target preferential information, and obtain a second acceptance result;
  • a first receiving module used for receiving a second acceptance result returned by a target card issuing institution
  • the second sending module is used to send a second payment request to the target card issuing institution when the first acceptance result and the second acceptance result are both successfully accepted and the sum of the first preferential amount and the second preferential amount is less than the total order amount corresponding to the target order, wherein the second payment request includes the amount to be paid after acceptance corresponding to the target order, and the second payment request is used to instruct the target card issuing institution to deduct the target payment card according to the amount to be paid.
  • the above-mentioned preferential information query device 1100 may further include:
  • a second receiving module is used to receive a transaction cancellation request for a target order sent by a merchant
  • a revocation module used to respond to the transaction revocation request, revoke the acceptance of the first preferential amount, and obtain a revocation result
  • a third sending module is used to send a cancellation acceptance request to a target card issuing institution, wherein the cancellation acceptance request is used to instruct the target card issuing institution to cancel acceptance of the second preferential amount;
  • the fourth sending module is used to send a payment cancellation request to the target card issuing institution when the cancellation result is successful, wherein the payment cancellation request is used to instruct the target card issuing institution to cancel the deduction process on the target payment card.
  • the above-mentioned preferential information query device 1100 may further include:
  • a third receiving module is used to receive a return request for a target order sent by a merchant
  • a first acquisition module is used to respond to a return request, acquire a return amount corresponding to a target order, and determine a first target preferential amount to be returned from a first preferential amount based on the return amount;
  • a third query request module is used to send a preferential amount query request to a target card issuing institution, wherein the preferential amount query request is used to instruct the target card issuing institution to determine a second target preferential amount to be refunded from the second preferential amount based on the return amount;
  • a refund module configured to refund the preferential resources corresponding to the first target preferential amount according to the first target preferential amount, and to send a preferential resource refund request to the target card issuing institution according to the second target preferential amount, wherein the preferential resource refund request is used to instruct the target card issuing institution to refund the preferential resources corresponding to the second target preferential amount;
  • the fifth sending module is used to send a return notice to the target card issuing institution.
  • the preferential information query device 1100 may further include:
  • a processing module used for receiving the card preferential information returned by the target card issuing institution, and after obtaining the card preferential information corresponding to the target payment card, performing pairwise combination processing on the platform preferential information and the card preferential information to obtain a plurality of preferential information combinations, wherein the preferential information combinations include one platform preferential information and one card preferential information;
  • the first determination module is used to determine the total amount of discounts corresponding to the multiple discount information combinations. Determine the best discount information combination corresponding to the maximum discount total amount from multiple discount information combinations;
  • the sixth sending module is used to send the best preferential information combination as recommended preferential information to the payment terminal, so that the payment terminal selects and displays the recommended preferential information by default.
  • the processing module may specifically include:
  • a processing submodule used for processing the platform preferential information and the card preferential information in pairs, and obtaining a plurality of initial preferential information combinations
  • a determination submodule is used to determine the total discount amounts corresponding to the multiple initial discount information combinations, and the total order amount corresponding to the target order;
  • the first acquisition submodule is used to acquire a combination whose total discount amount is not greater than the total order amount from a plurality of initial discount information combinations, thereby obtaining a plurality of discount information combinations.
  • the sixth sending module may specifically include:
  • the second acquisition submodule is used to obtain the discount amounts corresponding to the multiple platform discount information and the multiple card discount information respectively;
  • the sending submodule is used to send the first preferential information as recommended preferential information to the payment terminal when the preferential amount corresponding to the first preferential information is greater than the maximum total preferential amount, wherein the first preferential information is any one of multiple platform preferential information and multiple card preferential information.
  • the above-mentioned determination submodule may specifically include:
  • a determination subunit is used to determine, for each initial preferential information combination in multiple initial preferential information combinations, the total preferential amount corresponding to the initial preferential information combination according to the lower limit value of the random preferential range corresponding to the second preferential information, when the second preferential information in the initial preferential information combination belongs to the information of the random preferential type, wherein the second preferential information is any preferential information in the initial preferential information combination.
  • the above-mentioned preferential information query device 1100 may further include:
  • a second determination module is used to determine the maximum random amount corresponding to the initial preferential information combination according to the upper limit value of the random preferential range corresponding to the second preferential information when the total preferential amount corresponding to the initial preferential information combination is not greater than the total order amount;
  • Adjustment module used to adjust the upper limit when the maximum random amount is greater than the total order amount value so that the maximum random amount is no greater than the total order amount.
  • the adjustment module may specifically include:
  • a first calculation submodule is used to calculate the difference between the total order amount and the discount amount corresponding to the third discount information to obtain a first target difference, wherein the third discount information is the discount information in the initial discount information combination except the second discount information;
  • the first adjustment submodule is used to adjust the upper limit value to a first target difference value.
  • the above adjustment module may specifically include:
  • the third acquisition submodule is used to obtain the actual random amount corresponding to the card discount information
  • a second calculation submodule is used to calculate the difference between the total order amount and the actual random amount when the sum of the actual random amount and the upper limit of the random discount range corresponding to the platform discount information is greater than the total order amount, and the sum of the actual random amount and the lower limit of the random discount range corresponding to the platform discount information is not greater than the total order amount, so as to obtain a second target difference;
  • the second adjustment submodule is used to adjust the upper limit value of the random discount range corresponding to the platform discount information to the second target difference.
  • the above-mentioned preferential information query device 1100 may further include:
  • a setting module is used to fix the discount amount corresponding to the platform discount information as the lower limit value of the random discount range corresponding to it, when the sum of the actual random amount and the lower limit value of the random discount range corresponding to the platform discount information is greater than the total order amount, and send an upper limit value adjustment request to the target card issuing institution, wherein the upper limit value adjustment request is used to instruct the target card issuing institution to adjust the upper limit value of the random discount range corresponding to the card discount information to a third target difference, and the third target difference is the difference between the total order amount and the lower limit value of the random discount range corresponding to the platform discount information.
  • the preferential information query device 1100 may further include:
  • the third receiving module is used to receive a first information query request for a target order sent by the payment terminal after sending the platform preferential information and the card preferential information to the payment terminal, wherein:
  • the first information query request is a request sent by the payment terminal when the user switches the selected platform preferential information to the first platform preferential information for the target order;
  • a first amount query module used to query the preferential amount corresponding to the preferential information of the first platform in response to the information query request;
  • a seventh sending module configured to send a second information query request to a target card issuing institution according to the preferential amount corresponding to the preferential information on the first platform, wherein the second information query request is used to instruct the target card issuing institution to query the matching first card preferential information according to the preferential amount corresponding to the preferential information on the first platform;
  • a fourth receiving module used for receiving the first card preferential information returned by the target card issuing institution
  • the eighth sending module is used to send the first platform preferential information and the first card preferential information to the payment terminal.
  • the preferential information query device 1100 may further include:
  • a fifth receiving module configured to receive a third information query request for a target order sent by the payment terminal after sending the platform discount information and the card discount information to the payment terminal, wherein the third information query request is a request sent by the payment terminal when the user switches the selected card discount information to the second card discount information for the target order;
  • a second amount query module is used to query the preferential amounts corresponding to the second platform preferential information and the second card preferential information in response to the information query request, wherein the second platform preferential information is the platform preferential information selected by the user for the target order;
  • the ninth sending module is used to send the second card preferential information to the payment terminal when the sum of the preferential amounts corresponding to the second platform preferential information and the second card preferential information is not greater than the total order amount corresponding to the target order.
  • Fig. 12 is a schematic diagram of the structure of a preferential information query device provided by the second embodiment of the present application.
  • the preferential information query method can be applied to a payment terminal.
  • the preferential information query device 1200 may include:
  • the first input receiving module 1201 is used to receive a first input from a user for triggering entry into a payment interface corresponding to a target order;
  • the second query request module 1202 is used to send a preferential information query request for a target order to the payment platform in response to the first input, where the preferential information query request is used to instruct the payment platform to query the platform preferential information corresponding to the target order and the card preferential information corresponding to the target payment card, where the target payment card is the payment card corresponding to the target user account, and the target user account is the user account logged in to the payment terminal;
  • the second information receiving module 1203 is used to receive the platform preferential information and card preferential information returned by the payment platform;
  • the first display module 1204 is used to display the payment interface, and display the platform discount information and the card discount information in the payment interface.
  • the preferential information query device 1200 may further include:
  • a sixth receiving module configured to receive a second input from a user triggering payment of the target order on the payment interface after displaying the platform discount information and the card discount information on the payment interface corresponding to the target order;
  • the tenth sending module is used to respond to the second input and send a first payment request for the target order to the payment platform, wherein the first payment request includes platform discount information and card discount information, and the first payment request is used to instruct the payment platform to process the payment of the target order according to the discount resources corresponding to the platform discount information and the card discount information respectively.
  • the discount information query device 1200 may also include:
  • the seventh receiving module is used to receive the recommended discount information sent by the payment platform
  • the first display module 1204 may specifically include:
  • the display submodule is used to select the recommended discount information by default and display the recommended discount information in the payment interface.
  • the preferential information query device 1200 may further include:
  • An eighth receiving module configured to receive a third input from a user triggering display of more preferential information based on the payment interface
  • the second display module is used to display a preferential information selection interface in response to the third input, and A plurality of platform preferential information is displayed in the first area of the preferential information selection interface, and a plurality of card preferential information is displayed in the second area of the preferential information selection interface.
  • the preferential information query device 1200 may further include:
  • a ninth receiving module configured to receive a fourth input from a user switching the selected platform preferential information to the first platform preferential information based on the preferential information selection interface;
  • an eleventh sending module configured to send a first information query request for the target order to the payment platform in response to the fourth input, wherein the first information query request is used to instruct the payment platform to query the first platform preferential information and the first card preferential information matched thereto;
  • a tenth receiving module used for receiving the first platform preferential information and the first card preferential information returned by the payment platform;
  • the third display module is used to select the first platform preferential information in the preferential information selection interface and display the first card preferential information.
  • the preferential information query device 1200 may further include:
  • an eleventh receiving module configured to receive a fifth input from a user switching the selected card preferential information to the second card preferential information based on the preferential information selection interface;
  • a twelfth sending module configured to send a third information query request for the target order to the payment platform in response to the fifth input, the third information query request being used to instruct the payment platform to query the preferential amounts corresponding to the selected second platform preferential information and the second card preferential information, respectively, and to determine that the sum of the preferential amounts corresponding to the second platform preferential information and the second card preferential information, respectively, is not greater than the total order amount corresponding to the target order;
  • a twelfth receiving module used for receiving the second card preferential information returned by the payment platform
  • the selection module is used to select the second card discount information in the discount information selection interface.
  • the payment platform receives the preferential information query request for the target order sent by the payment terminal, queries the platform preferential information corresponding to the target order according to the preferential information query request, and obtains the target payment card information of the target user; according to the target payment card information and the target order information, the payment platform sends a card preferential information query request to the target card issuing institution corresponding to the target payment card; after receiving the card preferential information returned by the target card issuing institution, the payment platform sends the platform preferential information query request to the payment terminal Discount information and card discount information, the payment terminal can pay the target order according to the discount resources corresponding to the platform discount information and card discount information.
  • the card discount information corresponding to the target payment card can be queried for the user through the target payment card information and the target order information, without the need to unify the marketing funds of multiple entities into the designated account of one entity, and by sending the queried card discount information and the platform discount information corresponding to the target order provided to the user to the payment terminal, the marketing activity discount information of multiple entities can be displayed, and multiple discount information across entities can be used in the same order.
  • FIG. 13 is a schematic diagram of the structure of an electronic device provided in an embodiment of the present application.
  • the electronic device 1300 may include a processor 1301 and a memory 1302 storing computer program instructions.
  • the above-mentioned processor 1301 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.
  • CPU central processing unit
  • ASIC application specific integrated circuit
  • the memory 1302 may include a large capacity memory for data or instructions.
  • the memory 1302 may include a hard disk drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a universal serial bus (USB) drive, or a combination of two or more of these.
  • the memory 1302 may include a removable or non-removable (or fixed) medium.
  • the memory 1302 may be inside or outside the integrated gateway disaster recovery device.
  • the memory 1302 is a non-volatile solid-state memory.
  • the memory may include a read-only memory (ROM), a random access memory (RAM), a magnetic disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical or other physical/tangible memory storage device.
  • ROM read-only memory
  • RAM random access memory
  • magnetic disk storage medium device e.g., a hard disk drive
  • optical storage medium device e.g., a hard disk drive
  • flash memory device e.g., a flash memory device
  • electrical, optical or other physical/tangible memory storage device e.g., a flash memory device
  • the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method according to one aspect of the present application.
  • the processor 1301 reads and executes the computer program instructions stored in the memory 1302 to implement any one of the preferential information query methods in the above embodiments.
  • the electronic device 1300 may further include a communication interface 1303 and a bus 1310. As shown in FIG13 , the processor 1301, the memory 1302, and the communication interface 1303 are connected via the bus 1310 and communicate with each other.
  • the communication interface 1303 is mainly used to implement communication between various modules, devices, units and/or equipment in the embodiments of the present application.
  • Bus 1310 includes hardware, software or both, and the components of online data flow billing equipment are coupled to each other.
  • bus 1310 may include accelerated graphics port (AGP) or other graphics bus, enhanced industrial standard architecture (EISA) bus, front-end bus (FSB), hypertransport (HT) interconnection, industrial standard architecture (ISA) bus, infinite bandwidth interconnection, low pin count (LPC) bus, memory bus, micro channel architecture (MCA) bus, peripheral component interconnection (PCI) bus, PCI-Express (PCI-X) bus, serial advanced technology attachment (SATA) bus, video electronics standard association local (VLB) bus or other suitable bus or two or more of these combinations.
  • AGP accelerated graphics port
  • EISA enhanced industrial standard architecture
  • FAB front-end bus
  • HT hypertransport
  • ISA industrial standard architecture
  • LPC low pin count
  • MCA micro channel architecture
  • PCI peripheral component interconnection
  • PCI-X PCI-Express
  • SATA serial advanced technology attachment
  • VLB video electronics standard association local
  • bus 1310 may include
  • the electronic device 1300 may be a mobile phone, a tablet computer, a laptop computer, a PDA, an in-vehicle electronic device, an ultra-mobile personal computer (UMPC), a netbook, or a personal digital assistant (PDA), etc.
  • UMPC ultra-mobile personal computer
  • PDA personal digital assistant
  • the electronic device 1300 can execute the preferential information query method in the embodiment of the present application, thereby realizing the preferential information query method and device described in combination with Figures 1 to 12.
  • the embodiment of the present application may provide a computer-readable storage medium for implementation.
  • the computer-readable storage medium stores computer program instructions; when the computer program instructions are executed by the processor, any preferential information query method in the above embodiment is implemented.
  • Examples of computer-readable storage media include non-transitory computer-readable storage media, such as portable disks, hard disks, random access memories (RAM), read-only memories (ROM), erasable programmable read-only memories (EPROM or flash memory), portable compact disk read-only memories (CD-ROM), optical storage devices, magnetic storage devices, etc.
  • the functional blocks shown in the above-described block diagram can be implemented as hardware, software, firmware or a combination thereof.
  • it can be, for example, an electronic circuit, an application specific integrated circuit (ASIC), appropriate firmware, a plug-in, a function card, etc.
  • ASIC application specific integrated circuit
  • the elements of the present application are programs or code segments that are used to perform the required tasks.
  • the program or code segment can be stored in a machine-readable medium, or transmitted on a transmission medium or a communication link by a data signal carried in a carrier wave.
  • "Machine-readable medium" can include any medium capable of storing or transmitting information.
  • machine-readable media examples include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, optical fiber media, radio frequency (RF) links, etc.
  • the code segment can be downloaded via a computer network such as the Internet, an intranet, etc.
  • each square box in the flow chart and/or the block diagram and the combination of each square box in the flow chart and/or the block diagram can be realized by computer program instructions.
  • These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer or other programmable data processing device to produce a machine so that these instructions executed by the processor of the computer or other programmable data processing device enable the realization of the function/action specified in one or more square boxes of the flow chart and/or the block diagram.
  • a processor can be but is not limited to a general-purpose processor, a special-purpose processor, a special application processor or a field programmable logic circuit.
  • each square box in the block diagram and/or the flow chart and the combination of the square boxes in the block diagram and/or the flow chart can also be realized by the dedicated

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Abstract

一种优惠信息查询方法、装置、设备、存储介质及产品。该方法包括：接收支付终端发送的针对目标订单的优惠信息查询请求（S110）；响应于优惠信息查询请求，查询与目标订单对应的平台优惠信息（S120）；根据卡信息和与目标订单对应的订单信息，向与目标支付卡对应的目标发卡机构发送卡优惠信息查询请求（S130）；接收目标发卡机构返回的卡优惠信息（S140）；向支付终端发送平台优惠信息和卡优惠信息，以使支付终端在付款界面显示平台优惠信息和卡优惠信息，并基于优惠资源支付目标订单（S150）。通过上述方法，可以无需将多个主体的营销资金统一划到一个主体的指定账户中，并且可以展示多个主体的营销活动优惠信息，实现在同一订单中使用跨主体的多个优惠信息。

Description

优惠信息查询方法、装置、设备、存储介质及产品
相关申请的交叉引用
本申请要求享有于2022年11月21日提交的名称为“优惠信息查询方法、装置、设备、存储介质及产品”的中国专利申请202211457757.4的优先权，该申请的全部内容通过引用并入本文中。
技术领域
本申请属于支付技术，尤其涉及一种优惠信息查询方法、装置、设备、存储介质及产品。
背景技术
随着网络支付的不断发展，营销活动是网络支付平台提升经营能力和吸引用户的重要手段。
目前基于营销运营开放平台，开展的网络交易营销活动支持固定立减、随机立减和票券等多种营销形式，但面对多个主体的营销活动，只能将多个主体的营销资金统一划到一个主体的指定账户中，由该主体统一配置营销活动，并且同一个订单在支付过程中只能选择一个主体提供的优惠信息，不支持多个主体的营销活动优惠信息的展示，导致无法在同一订单中使用跨主体的多个优惠信息。
发明内容
本申请实施例提供一种优惠信息查询方法、装置、设备、存储介质及产品，能够无需将多个主体的营销资金统一划到一个主体的指定账户中，并且可以展示多个主体的营销活动优惠信息，实现在同一订单中使用跨主体的多个优惠信息。
第一方面，本申请实施例提供一种优惠信息查询方法，应用于支付平 台，该方法包括：
接收支付终端发送的针对目标订单的优惠信息查询请求；
响应于优惠信息查询请求，查询与目标订单对应的平台优惠信息，以及获取与目标用户账号对应的目标支付卡的卡信息，其中，目标用户账号为支付终端中登录的用户账号；
根据卡信息和与目标订单对应的订单信息，向与目标支付卡对应的目标发卡机构发送卡优惠信息查询请求，卡优惠信息查询请求用于指示目标发卡机构根据订单信息和平台优惠信息查询与目标支付卡对应的卡优惠信息；
接收目标发卡机构返回的卡优惠信息；
向支付终端发送平台优惠信息和卡优惠信息，以使支付终端在目标订单对应的付款界面显示平台优惠信息和卡优惠信息，并基于平台优惠信息和卡优惠信息对应的优惠资源支付目标订单。
第二方面，本申请实施例提供一种优惠信息查询方法，应用于支付终端，该方法包括：
接收用户用于触发进入目标订单对应的付款界面的第一输入；
响应于第一输入，向支付平台发送针对目标订单的优惠信息查询请求，优惠信息查询请求用于指示支付平台查询与目标订单对应的平台优惠信息和与目标支付卡对应的卡优惠信息，目标支付卡为与目标用户账号对应的支付卡，目标用户账号为支付终端中登录的用户账号；
接收支付平台返回的平台优惠信息和卡优惠信息；
显示付款界面，并在付款界面中显示平台优惠信息和卡优惠信息。
第三方面，本申请实施例提供了一种优惠信息查询装置，应用于支付平台，该装置包括：
第一请求接收模块，用于接收支付终端发送的针对目标订单的优惠信息查询请求；
信息获取模块，用于响应于优惠信息查询请求，查询与目标订单对应的平台优惠信息，以及获取与目标用户账号对应的目标支付卡的卡信息，其中，目标用户账号为支付终端中登录的用户账号；
第一查询请求模块，用于根据卡信息和与目标订单对应的订单信息，向与目标支付卡对应的目标发卡机构发送卡优惠信息查询请求，卡优惠信息查询请求用于指示目标发卡机构根据订单信息和平台优惠信息查询与目标支付卡对应的卡优惠信息；
第一信息接收模块，用于接收目标发卡机构返回的卡优惠信息；
第一信息发送模块，用于向支付终端发送平台优惠信息和卡优惠信息，以使支付终端在目标订单对应的付款界面显示平台优惠信息和卡优惠信息，并基于平台优惠信息和卡优惠信息对应的优惠资源支付目标订单。
第四方面，本申请实施例提供了一种优惠信息查询装置，应用于支付终端，该装置包括：
第一输入接收模块，用于接收用户用于触发进入目标订单对应的付款界面的第一输入；
第二查询请求模块，用于响应于第一输入，向支付平台发送针对目标订单的优惠信息查询请求，优惠信息查询请求用于指示支付平台查询与目标订单对应的平台优惠信息和与目标支付卡对应的卡优惠信息，目标支付卡为与目标用户账号对应的支付卡，目标用户账号为支付终端中登录的用户账号；
第二信息接收模块，用于接收支付平台返回的平台优惠信息和卡优惠信息；
第一显示模块，用于显示付款界面，并在付款界面中显示平台优惠信息和卡优惠信息。
第五方面，本申请实施例提供了一种电子设备，该电子设备包括：处理器以及存储有计算机程序指令的存储器；
处理器执行所述计算机程序指令时实现如第一方面或第二方面的任一项实施例中所述的优惠信息查询方法的步骤。
第六方面，本申请实施例提供了一种计算机可读存储介质，计算机可读存储介质上存储有计算机程序指令，计算机程序指令被处理器执行时实现如第一方面或第二方面的任一项实施例中所述的优惠信息查询方法的步骤。
第七方面，本申请实施例提供了一种计算机程序产品，计算机程序产品中的指令由电子设备的处理器执行时，使得所述电子设备执行如第一方面或第二方面的任一项实施例中所述的优惠信息查询方法的步骤。
本申请实施例中的优惠信息查询方法、装置、设备、存储介质及产品，通过支付平台接收支付终端发送的针对目标订单的优惠信息查询请求，根据优惠信息查询请求查询与目标订单对应的平台优惠信息，并获取目标用户的目标支付卡信息；根据目标支付卡信息和目标订单信息，支付平台向与目标支付卡对应的目标发卡机构发送卡优惠信息查询请求；支付平台接收到目标发卡机构返回的卡优惠信息后，向支付终端发送平台优惠信息和卡优惠信息，支付终端可以根据平台优惠信息和卡优惠信息对应的优惠资源支付目标订单。用户在支付终端进行支付操作时，可以通过目标支付卡信息和目标订单信息为用户查询与目标支付卡对应的卡优惠信息，无需将多个主体的营销资金统一划到一个主体的指定账户中，并且通过将查询得到的卡优惠信息和为用户提供与目标订单对应的平台优惠信息，发送至支付终端，可以展示多个主体的营销活动优惠信息，实现在同一订单中使用跨主体的多个优惠信息。
附图说明
为了更清楚地说明本申请实施例的技术方案，下面将对本申请实施例中所需要使用的附图作简单的介绍，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1是是本申请第一方面实施例提供的一种优惠信息查询方法的流程示意图；
图2是本申请实施例提供的另一种优惠信息查询方法的流程示意图；
图3是本申请实施例提供的优惠信息查询方法的交易流程示意图；
图4是本申请实施例提供的优惠信息查询方法的交易撤销流程示意图；
图5是本申请实施例提供的优惠信息查询方法的退货流程示意图；
图6是本申请实施例提供的又一种优惠信息查询方法的流程示意图；
图7是本申请实施例提供的优惠信息查询方法的切换平台优惠信息的流程示意图；
图8是本申请实施例提供的优惠信息查询方法的切换卡优惠信息的流程示意图；
图9是本申请第二方面实施例提供的一种优惠信息查询方法的流程示意图；
图10是本申请实施例提供的优惠信息查询方法的付款界面和优惠信息选择界面示意图；
图11是本申请第一方面实施例提供的一种优惠信息查询装置的结构示意图；
图12是本申请第二方面实施例提供的一种优惠信息查询装置的结构示意图；
图13是本申请一个实施例提供的电子设备的结构示意图。
具体实施方式
下面将详细描述本申请的各个方面的特征和示例性实施例，为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及具体实施例，对本申请进行进一步详细描述。应理解，此处所描述的具体实施例仅意在解释本申请，而不是限定本申请。对于本领域技术人员来说，本申请可以在不需要这些具体细节中的一些细节的情况下实施。下面对实施例的描述仅仅是为了通过示出本申请的示例来提供对本申请更好的理解。
需要说明的是，在本文中，诸如第一和第二等之类的关系术语仅仅用来将一个实体或者操作与另一个实体或操作区分开来，而不一定要求或者暗示这些实体或操作之间存在任何这种实际的关系或者顺序。而且，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括……”限定的要素，并不排除在包括所述要素的过程、方法、物品或者 设备中还存在另外的相同要素。
目前网络平台开展的交易营销活动，都是根据营销运营开放平台，通过固定立减、随机立减和票券等营销方式，结合各个支付平台的出资或各个支付平台间的联合出资的出资方式。在开展基于多支付平台的营销活动时，需要将多个主体的营销资金统一划到一个主体的指定账户中，由该主体统一配置营销活动，并且同一个订单在支付过程中只能选择一个主体提供的优惠信息，不支持多个主体的营销活动优惠信息的展示，导致无法在同一订单中使用跨主体的多个优惠信息。
为了解决现有技术问题，本申请实施例提供了一种优惠信息查询方法、装置、设备、存储介质及产品。
下面结合附图，通过具体的实施例及其应用场景对本申请实施例提供的文件下载方法进行详细地说明。
本申请实施例所涉及的支付平台可以包括网络支付平台、与网络支付平台对应的内部营销系统和与网络支付平台对应的支付卡交换系统，其中，网络支付平台可以是提供支付交易的交易系统，营销系统可以根据营销活动为用户提供优惠信息，支付卡交换系统可以根据支付卡信息向与支付卡对应的银行发卡系统请求支付。支付平台接收支付终端发送的针对目标订单的优惠信息查询请求，根据优惠信息查询请求，查询与目标订单对应的平台优惠信息，并获取与目标用户账号对应的目标支付卡的卡信息；根据卡信息和与目标订单对应的订单信息，向与目标支付卡对应的目标发卡机构发送卡优惠信息查询请求；接收到目标发卡机构返回的卡优惠信息后，向支付终端发送平台优惠信息和卡优惠信息，支付终端可以基于平台优惠信息和卡优惠信息对应的优惠资源支付目标订单。
图1是本申请第一方面实施例提供的一种优惠信息查询方法的流程示意图。该优惠信息查询方法可以应用于支付平台。
如图1所示，该优惠信息查询方法具体可以包括如下步骤：
S110、接收支付终端发送的针对目标订单的优惠信息查询请求；
S120、响应于优惠信息查询请求，查询与目标订单对应的平台优惠信息，以及获取与目标用户账号对应的目标支付卡的卡信息，其中，目标用 户账号为支付终端中登录的用户账号；
S130、根据卡信息和与目标订单对应的订单信息，向与目标支付卡对应的目标发卡机构发送卡优惠信息查询请求，卡优惠信息查询请求用于指示目标发卡机构根据订单信息和平台优惠信息查询与目标支付卡对应的卡优惠信息；
S140、接收目标发卡机构返回的卡优惠信息；
S150、向支付终端发送平台优惠信息和卡优惠信息，以使支付终端在目标订单对应的付款界面显示平台优惠信息和卡优惠信息，并基于平台优惠信息和卡优惠信息对应的优惠资源支付目标订单。
由此，通过支付平台接收支付终端发送的针对目标订单的优惠信息查询请求，根据优惠信息查询请求查询与目标订单对应的平台优惠信息，并获取目标用户的目标支付卡信息；根据目标支付卡信息和目标订单信息，支付平台向与目标支付卡对应的目标发卡机构发送卡优惠信息查询请求；支付平台接收到目标发卡机构返回的卡优惠信息后，向支付终端发送平台优惠信息和卡优惠信息，支付终端可以根据平台优惠信息和卡优惠信息对应的优惠资源支付目标订单。用户在支付终端进行支付操作时，可以通过目标支付卡信息和目标订单信息为用户查询与目标支付卡对应的卡优惠信息，无需将多个主体的营销资金统一划到一个主体的指定账户中，并且通过将查询得到的卡优惠信息和为用户提供与目标订单对应的平台优惠信息，发送至支付终端，可以展示多个主体的营销活动优惠信息，实现在同一订单中使用跨主体的多个优惠信息。
下面介绍上述各个步骤的具体实现方式。
在一些实施方式中，在S110中，本申请实施例所涉及的支付终端可以包括商户端和能够进行支付交易的支付软件，这里的商户端例如可以是可以发起交易的商户，支付交易可以是支付软件通过线上支付、线下被扫描支付或线下主动扫描支付发起的，由支付软件与支付平台进行支付交易。目标订单可以是与支付终端发起的支付交易对应的交易订单，其中，目标订单中可以包括交易订单信息，例如可以包括交易流水号和交易金额等信息。优惠信息例如可以是固定立减金额、随机立减金额、折扣金额等 支付优惠金额信息。
在一些实施方式中，在S120中，本申请实施例所涉及的平台优惠信息，例如可以是与目标支付订单对应的支付平台的营销活动提供的支付优惠金额信息。目标用户账号可以是在支付终端中登录的用户账号，目标用户在支付终端有对应的目标支付卡，可以基于目标用户账号获取对应的目标支付卡的卡信息，这里的目标支付卡可以是由任意银行发卡机构提供的，目标支付卡的卡信息例如可以包括卡号、支付卡发卡机构、持卡人身份信息、持卡人手机号等信息。
作为一种示例，支付平台中的网络支付平台响应于支付终端发送的针对目标订单的优惠信息查询请求，并向内部营销系统发送查询于目标订单对应的平台优惠信息，由内部营销系统对平台优惠信息进行查询。
在一些是实施例中，在S130中，本申请实施例所涉及的目标发卡机构可以包括与目标支付卡对应的银行发卡机构和与银行发卡机构对应的外部营销系统。卡优惠信息查询请求中例如可以包括目标订单的交易金额信息和在使用平台优惠信息对应的优惠资源后的订单金额。与目标支付卡对应的卡优惠信息例如可以是与目标支付卡对应的银行发卡机构的营销活动提供的支付优惠金额信息。
作为一种示例，支付平台中的内部营销系统根据卡信息和与目标订单对应的订单信息，向与目标支付卡对应的目标发卡机构中的外部营销系统发送卡信息优惠信息查询请求，外部营销系统根据订单信息和平台优惠信息与目标支付卡对应的卡优惠信息，以使目标支付卡对应的优惠金额和平台优惠金额可组合使用。
在一些实施例中，在S140中，支付平台中的内部营销系统接受外部营销系统返回的卡优惠信息，并将卡优惠信息和平台优惠信息提供给网络支付平台。
在一些实施例中，在S150中，支付平台中的网络支付平台将平台优惠信息和卡优惠信息发送至支付终端，目标用户在支付终端可以基于付款界面显示的平台优惠信息和卡优惠信息对目标订单进行支付。
为了对目标订单进行支付，本申请实施例还提供了优惠信息查询方法 的另一种实施例。如图2所示，该方法还可以包括：
S210、接收支付终端发送的针对目标订单的第一支付请求，其中，第一支付请求中包括平台优惠信息和卡优惠信息；
S220、响应于支付请求，基于平台优惠信息对应的优惠资源承兑第一优惠金额，得到第一承兑结果；
S230、向目标发卡机构发送承兑请求，其中，承兑请求用于指示目标发卡机构基于目标优惠信息对应的优惠资源承兑第二优惠金额，得到第二承兑结果；
S240、接收目标发卡机构返回的第二承兑结果；
S250、在第一承兑结果和第二承兑结果均为承兑成功的情况下，若第一优惠金额与第二优惠金额之和小于目标订单对应的订单总金额，则向目标发卡机构发送第二支付请求，其中，第二支付请求中包括与目标订单对应的承兑后的待支付金额，第二支付请求用于指示目标发卡机构按照待支付金额对目标支付卡进行扣款处理。
由此，通过接收支付终端发送的针对目标订单的第一支付请求，根据第一支付请求中的平台优惠信息和卡优惠信息，分别得到第一承兑结果和第二承兑结果，在第一承兑结果和第二承兑结果都为兑换成果的情况下，若第一优惠金额与第二优惠金额之和小于目标订单对应的订单金额，支付平台向目标发卡机构发送第二支付请求，目标发卡机构根据第二支付请求中的目标订单对应的承兑后的待支付金额，对目标支付卡进行扣款处理。在支付过程中，根据目标订单对应的承兑后的待支付金额，向目标发卡机构请求扣款，实现了无需将多个主体的营销资金统一划到一个主体的指定账户中。
在一些实施例中，在S210中，支付平台中的网络支付平台接收支付终端发送的针对目标订单的第一支付请求，第一支付请求中包括平台优惠信息和目标支付卡对应的卡优惠信息。
在一些实施例中，在S220中，本申请实施例所涉及的第一承兑结果可以是，支付平台中的内部营销系统根据平台优惠信息对应的优惠资源进行资源承兑，得到的第一优惠金额。
作为一种示例，支付平台中的网络支付平台响应于第一支付请求，向内部营销系统发送于平台优惠信息对应的优惠资源承兑请求，内部营销系统根据承兑请求中的平台优惠信息对应的优惠资源进行资源承兑，得到的第一优惠金额。
在一些实施例中，在S230中，本申请实施例所涉及的第二承兑结果可以是，目标发卡机构中的外部营销系统根据卡优惠信息对应的优惠资源进行资源承兑，得到的第二优惠金额。
作为一种示例，支付平台中的内部营销系统向目标发卡机构中的外部营销系统发送承兑请求，外部营销系统根据承兑请求中的卡优惠信息对应的优惠资源进行资源承兑，得到第二承兑结果。
在一些实施例中，在S240中，支付平台中的内部营销系统接收目标发卡机构中的外部营销系统返回的所述第二承兑结果，并将第二承兑结果返回给支付平台中的网络支付平台。
在一些实施例中，在S250中，在第一承兑结果和第二承兑结果均为承兑成功的情况下，在保证承兑结果中的第一优惠金额与第二优惠金额之和小于目标订单对应的订单总金额时，支付平台中的网络支付平台经由支付卡交换系统向目标支付卡机构中的银行发卡机构发送第二支付请求，银行法卡机构根据第二支付请求中的目标订单对应的承兑后的待支付金额，对目标支付卡进行扣款处理。
作为一种示例，如图3所示，基于优惠信息查询方法的交易流程，网络支付平台接收支付终端中的支付软件发送的优惠信息查询请求，根据优惠信息查询请求经由内部营销系统查询于目标订单对应的平台优惠信息，并获取目标支付卡的卡信息。内部营销系统根据卡信息和订单信息向外部营销系统发送卡优惠信息查询请求，并接收外部营销系统返回的卡优惠信息，将卡优惠信息和平台优惠信息提供给网络支付平台，由网络支付平台将平台优惠信息和卡优惠信息发送至终端设备。网络支付平台接收支付终端发送的第一支付请求，根据支付请求经由内部营销系统得到第一承兑结果。由内部营销系统向外部营销系统发送承兑请求，外部营销系统基于卡优惠信息对应的优惠资源得到第二承兑结果，并将第二承兑结果返回给内 部营销系统，内部营销系统将第二承兑结果返回给网络支付平台，网络支付平台经由支付卡交换系统向银行发卡机构发送第二支付请求，银行法卡机构根据第二支付请求中的目标订单对应的承兑后的待支付金额，对目标支付卡进行扣款处理。
在一些实施例中，若在支付平台支付失败，则该交易失败；若在支付平台交易成功，在目标发卡机构对该交易响应失败，则该交易失败；若在支付平台的交易成功，在目标发卡机构对该交易响应成果，但在对目标支付卡进行扣款失败，则该交易失败，需向目标发卡机构发送交易撤销请求，基于此，该方法还可以包括：
接收商户端发送的针对目标订单的交易撤销请求；
响应于交易撤销请求，撤销承兑第一优惠金额，得到撤销结果；
向目标发卡机构发送撤销承兑请求，其中，撤销承兑请求用于指示目标发卡机构撤销承兑第二优惠金额；
在撤销结果为撤销成功的情况下，向目标发卡机构发送撤销支付请求，其中，撤销支付请求用于指示目标发卡机构撤销对目标支付卡的扣款处理。
作为一种示例，如图4所示，网络支付平台接收商户端发送的针对目标订单的交易撤销请求，网络支付平台响应于交易撤销请求，经由内部营销系统进行撤销承兑第一优惠金额，得到撤销结果。内部营销系统向目标发卡机构中的外部营销系统发送撤销承兑请求，外部营销系统根据撤销承兑请求撤销承兑第二优惠金额。内部营销系统向网络支付平台返回撤销结果，在撤销结果为成功的情况下，网络支付平台经由银行卡交换系统向目标发卡机构中的银行发卡机构发送撤销支付请求，银行发卡机构根据撤销支付请求对目标支付卡进行扣款处理。
另外，在支付平台进行交易撤销失败时，目标发卡机构无感知；在支付平台交易撤销成功，在向目标发卡机构发送撤销承兑请求，但因银行发卡机构撤销失败时，该交易撤销失败。
在一些实施例中，用户可进行退货，基于此，该方法还可以包括：
接收商户端发送的针对目标订单的退货请求；
响应于退货请求，获取目标订单对应的退货金额，基于退货金额从第一优惠金额中确定待退的第一目标优惠金额；
向目标发卡机构发送优惠金额查询请求，其中，优惠金额查询请求用于指示目标发卡机构基于退货金额从第二优惠金额中确定待退的第二目标优惠金额；
根据第一目标优惠金额，退还与第一目标优惠金额对应的优惠资源，以及，根据第二目标优惠金额，向目标发卡机构发送优惠资源退还请求，其中，优惠资源退还请求用于指示目标发卡机构退还与第二目标优惠金额对应的优惠资源；
向目标发卡机构发送退货通知。
作为一种示例，如图5所示，网络支付平台接收商户端发送的针对目标订单的退货请求，网络支付平台响应于退货请求，经由内部营销系统获取与目标订单对应的退货金额，根据退货金额从第一优惠金额中确定待退的第一目标优惠金额。由内部营销系统向外部营销系统发送优惠金额查询请求，外部营销系统根据退货金额从第二优惠金额中确定待退的第二目标优惠金额。内部营销系统根据第一目标优惠金额，退还与第一目标优惠金额对应的优惠资源，并向外部营销系统发送优惠资源退还请求，外部营销系统根据优惠资源退还请求，退还与第二目标优惠金额对应的优惠资源。由网络支付平台经由银行卡交换系统向银行发卡机构发送退货通知。
为了确定最佳优惠信息组合，本申请实施例还提供了优惠信息查询方法的又一种实施例。如图6所示，在上述平台优惠信息的数量为多个，或者所述卡优惠信息的数量为多个的情况下，在上述S140之后，该方法还可以包括：
S610、对平台优惠信息和卡优惠信息进行两两组合处理，得到多个优惠信息组合，优惠信息组合中包括一个平台优惠信息和一个卡优惠信息；
S620、基于多个优惠信息组合分别对应的优惠总金额，从多个优惠信息组合中确定最大优惠总金额对应的最佳优惠信息组合；
S630、将最佳优惠信息组合作为推荐优惠信息发送至支付终端，以使支付终端默认选中并显示推荐优惠信息。
由此，通过对平台优惠信息和卡优惠信息进行两两组合，得到多个优惠信息组合，在多个优惠信息组合中确定最大优惠金额对应的最佳优惠信息组合，将最佳优惠信息组合作为推荐优惠信息发送至支付终端，用户可以基于支付终端默认选中并显示的推荐优惠信息获取到多平台的最佳优惠组合。
在一些实施例中，在S610中，本申请实施例所涉及的优惠信息组合例如可以是将平台优惠信息根据活动类型、活动优先级和优惠力度依次进行排序，将卡优惠信息根据优惠金额按从大到小排序后，进行两两组合后确定两活动可组合后，得到的包括一个平台优惠信息和一个卡优惠信息的优惠信息组合。这里的活动类型可以包括立减金额、票券、外部积分和红包等优惠活动，活动优先级例如可以设置为立减金额和票券的优先级高于外部积分，外部积分的优先级高于红包。
另外，根据不同的活动类型提供的优惠类型例如可以包括固定立减金额、随机立减金额、折扣、一口价、买M减N和独享商户优惠等类型。
在一些实施例中，在S620中，根据多个优惠信息可以分别得到优惠总金额，确定可用优惠总金额最大的优惠信息组合为最佳优惠信息组合。
在一些实施例中，在S630中，本申请实施例所涉及的推荐优惠信息例如可以是支付终端默认为用户选择的优惠组合信息。
基于此，为了确定组合优惠信息是否可用，上述S620具体可以包括：
对平台优惠信息和卡优惠信息进行两两组合处理，得到多个初始优惠信息组合；
确定多个初始优惠信息组合分别对应的优惠总金额，以及与目标订单对应的订单总金额；
从多个初始优惠信息组合中获取优惠总金额不大于订单总金额的组合，得到多个优惠信息组合。
在一些实施例中，本申请实施例所涉及的初始优惠信息组合可以是任意一个平台优惠信息和一个卡优惠信息的优惠信息组合。
作为一种示例，在目标订单金额为100的情况下，当初始优惠信息组 合为平台优惠信息的优惠资源为下限值为21，上限值为50的随机立减，卡优惠信息的优惠资源为固定立减80时，此时将随机立减优惠资源的下限值21和固定立减80组合后的优惠金额超过了目标订单金额100，则不可将该初始优惠信息组合作为优惠信息组合。
基于此，上述S630具体可以包括：
获取多个平台优惠信息和多个卡优惠信息分别对应的优惠金额；
在第一优惠信息对应的优惠金额大于最大优惠总金额的情况下，将第一优惠信息作为推荐优惠信息发送至支付终端，其中，第一优惠信息为多个平台优惠信息和多个卡优惠信息中的任意一个优惠信息。
在一些实施例中，本申请实施例所涉及的第一优惠信息例如可以是多个平台优惠信息和多个卡优惠信息中任意一个单一的优惠活动的优惠信息。例如可以是免单活动，在第一优惠信息对应的优惠金额大于最佳优惠信息组合对应的最大优惠总金额的情况下，将该单一活动作为默认推荐组合并将第一优惠信息作为推荐优惠信息发送至支付终端。
在一些实施例中，为了确定优惠总金额，上述确定多个初始优惠信息组合分别对应的优惠总金额，具体可以包括：
针对多个初始优惠信息组合中的每个初始优惠信息组合，在初始优惠信息组合中的第二优惠信息属于随机优惠类型的信息的情况下，根据第二优惠信息对应的随机优惠范围的下限值，确定初始优惠信息组合对应的优惠总金额，其中，第二优惠信息为初始优惠信息组合中的任一优惠信息。
基于此，在根据第二优惠信息对应的随机优惠范围的下限值，确定初始优惠信息组合对应的优惠总金额之后，方法还包括：
在初始优惠信息组合对应的优惠总金额不大于订单总金额的情况下，根据第二优惠信息对应的随机优惠范围的上限值，确定初始优惠信息组合对应的最大随机金额；
在最大随机金额大于订单总金额的情况下，调整上限值，以使最大随机金额不大于订单总金额。
在初始优惠信息组合中的第三优惠信息属于固定优惠类型的信息的情况下，为了得到调整后的随机优惠范围的上限值，上述调整上限值具体可 以包括：
计算订单总金额与第三优惠信息对应的优惠金额之差，得到第一目标差值，其中，第三优惠信息为初始优惠信息组合中除第二优惠信息之外的优惠信息；
将上限值调整为第一目标差值。
作为一种示例，在目标订单金额为100的情况下，当初始优惠信息组合为平台优惠信息的优惠资源为的随机优惠，卡优惠信息的优惠资源为固定优惠80时，此时将随机优惠范围的下限值10和固定优惠80组合后的优惠金额未超过目标订单金额100，则可将该初始优惠信息组合作为优惠信息组合。此时，随机优惠资源范围的上限值50和固定优惠80组合后的最大随机金额超过了目标订单金额100，则需要对平台优惠信息的随机优惠资源的上限值进行调整，将随机优惠资源的上限值调整为目标订单金额100与固定优惠金额80的差值，即将随机优惠资源的上限值调整为20，以此来保证最大随机金额不超过目标订单金额100。
在一些实施例中，在初始优惠信息组合中的平台优惠信息和卡优惠信息均属于随机优惠类型的信息的情况下，上述调整上限值具体可以包括：
获取卡优惠信息对应的实际随机金额；
在实际随机金额与平台优惠信息对应的随机优惠范围的上限值之和大于订单总金额，且实际随机金额与平台优惠信息对应的随机优惠范围的下限值之和不大于订单总金额的情况下，计算订单总金额与实际随机金额之差，得到第二目标差值；
将平台优惠信息对应的随机优惠范围的上限值调整为第二目标差值。
作为一种示例，在目标订单金额为100的情况下，在平台优惠信息对应的随机优惠范围为下限值为20，上限值为50，而卡优惠信息对应的随机优惠范围为下限值为50，上限值为99时，当获取与卡优惠信息对应的实际随机金额为55时，此时实际随机金额与平台优惠信息对应的随机优惠范围的下限值之和不大于订单总金额，通过计算订单金额与实际随机金额的差值，得到第二目标差值45，通过将平台优惠信息对应的随机优惠范围的上限值调整为45，来保证最大随机金额不超过目标订单金额100。
基于此，该方法还可以包括：
在实际随机金额与平台优惠信息对应的随机优惠范围的下限值之和大于订单总金额的情况下，将平台优惠信息对应的优惠金额固定设置为其对应的随机优惠范围的下限值，并向目标发卡机构发送上限值调整请求，其中，上限值调整请求用于指示目标发卡机构将卡优惠信息对应的随机优惠范围的上限值调整为第三目标差值，第三目标差值为订单总金额与平台优惠信息对应的随机优惠范围的下限值之间的差值。
作为一种示例，当获取与卡优惠信息对应的实际随机金额为90时，此时实际随机金额与平台优惠信息对应的随机优惠范围的下限值之和大于订单总金额，此时平台优惠信息对应的优惠金额固定设置为其对应的随机优惠范围的下限值20，并向目标发卡机构发送上限值调整请求，目标发卡机构将卡优惠信息对应的随机优惠范围的上限值调整为订单总金额与平台优惠信息对应的随机优惠范围的下限值之间的差值，即将上限值调整为80.以此来保证最大随机金额不超过目标订单金额100。
在平台优惠信息的数量为多个的情况下，为了保证用户在同一订单中使用跨主体的多个优惠信息，在上述向支付终端发送平台优惠信息和卡优惠信息之后，该方法还可以包括：
接收支付终端发送的针对目标订单的第一信息查询请求，其中，第一信息查询请求为用户针对目标订单将选中的平台优惠信息切换为第一平台优惠信息的情况下支付终端发送的请求；
响应于信息查询请求，查询与第一平台优惠信息对应的优惠金额；
根据第一平台优惠信息对应的优惠金额，向目标发卡机构发送第二信息查询请求，其中，第二信息查询请求用于指示目标发卡机构根据第一平台优惠信息对应的优惠金额，查询相匹配的第一卡优惠信息；
接收目标发卡机构返回的第一卡优惠信息；
向支付终端发送第一平台优惠信息和第一卡优惠信息。
在一些实施例中，本申请实施例所涉及的第一平台优惠信息可以是除选中的平台优惠信息外的多个平台优惠信息中的任意一个。第一卡优惠信息例如可以是与第一平台优惠信息相匹配的卡优惠信息，以保证第一平台 优惠信息和第一卡优惠信息组合后的最大优惠金额不超过目标订单金额。
作为一种示例，如图7所示，网络支付平台接收支付软件发送的针对目标订单的第一信息查询请求，响应于信息查询请求，经由内部营销系统查询与第一平台优惠信息对应的优惠金额，并由内部营销系统向外部营销系统发第二信息查询请求。外部营销系统根据第一平台优惠信息对应的优惠金额，查询相匹配的第一卡优惠信息，并返回第一卡优惠信息。网络支付平台经由内部营销系统接收外部营销系统返回的第一卡优惠信息，并将第一平台优惠信息和第一卡优惠信息发送至支付软件。
在卡优惠信息的数量为多个的情况下，为了保证用户在同一订单中使用跨主体的多个优惠信息，在上述向支付终端发送平台优惠信息和卡优惠信息之后，该方法还可以包括：
接收支付终端发送的针对目标订单的第三信息查询请求，其中，第三信息查询请求为用户针对目标订单将选中的卡优惠信息切换为第二卡优惠信息的情况下支付终端发送的请求；
响应于信息查询请求，查询第二平台优惠信息和第二卡优惠信息分别对应的优惠金额，其中，第二平台优惠信息为用户针对目标订单选中的平台优惠信息；
在第二平台优惠信息与第二卡优惠信息分别对应的优惠金额之和不大于目标订单对应的订单总金额的情况下，向支付终端发送第二卡优惠信息。
在一些实施例中，本申请实施例所涉及的第二卡优惠信息可以是除选中的卡优惠信息外的多个卡优惠信息中的任意一个。第二平台优惠信息可以是选中的平台优惠信息。
作为一种示例，如图8所示，网络支付平台接收支付终端发送的针对目标订单的第三信息查询请求，响应于信息查询请求，经由内部营销系统查询第二平台优惠信息和第二卡优惠信息分别对应的优惠金额，并判断对应的优惠金额之和是否大于目标订单对应的订单总金额。如果优惠金额之和小于订单总金额，则第二卡优惠信息不变，并向网络支付平台返回第二卡优惠信息，由网络支付平台向支付软件发送第二卡优惠信息；如果优惠 金额之和大于订单总金额，通过弹窗向用户提示，当前所选优惠组合的优惠金额超过订单总金额，用户需重新选择卡优惠信息。
图9是本申请第二方面实施例提供的一种优惠信息查询方法的流程示意图。该优惠信息查询方法可以应用于支付终端。
如图9所示，该优惠信息查询方法具体可以包括如下步骤：
S910、接收用户用于触发进入目标订单对应的付款界面的第一输入；
S920、响应于第一输入，向支付平台发送针对目标订单的优惠信息查询请求，优惠信息查询请求用于指示支付平台查询与目标订单对应的平台优惠信息和与目标支付卡对应的卡优惠信息，目标支付卡为与目标用户账号对应的支付卡，目标用户账号为支付终端中登录的用户账号；
S930、接收支付平台返回的平台优惠信息和卡优惠信息；
S940、显示付款界面，并在付款界面中显示平台优惠信息和卡优惠信息。
由此，通过支付终端接收用户用于触发进入目标订单对应的付款界面的第一输入，并向支付平台发送查询针对目标订单的优惠信息查询请求，根据支付平台返回的平台优惠信息和卡优惠信息，在付款界面中显示平台优惠信息和卡优惠信息。在用户在支付终端进行支付操作时，可以展示多个主体的营销活动优惠信息，实现在同一订单中使用跨主体的多个优惠信息。
本申请第二方面的优惠信息查询方法与第一方面的优惠信息查询相同，为了简便，在此不再详细描述。
在一些实施例中，为了基于优惠信息对目标订单进行支付，在上述S940之后，该方法还可以包括：
接收用户在付款界面触发支付目标订单的第二输入；
响应于第二输入，向支付平台发送针对目标订单的第一支付请求，其中，第一支付请求中包括平台优惠信息和卡优惠信息，第一支付请求用于指示支付平台根据平台优惠信息和卡优惠信息分别对应的优惠资源对目标订单进行支付处理。
在一些实施例中，在平台优惠信息的数量为多个，或者卡优惠信息的 数量为多个的情况下，为了使用户可以使用最佳优惠组合，该方法还可以包括：
接收支付平台发送的推荐优惠信息；
在付款界面中显示平台优惠信息和卡优惠信息，包括：
默认选中推荐优惠信息，并在付款界面中显示推荐优惠信息。
基于此，在一些实施例中，为了向用户展示多个主体的营销活动优惠信息，该方法还可以包括：
接收用户基于付款界面触发显示更多优惠信息的第三输入；
响应于第三输入，显示优惠信息选择界面，并在优惠信息选择界面的第一区域中显示多个平台优惠信息，在优惠信息选择界面的第二区域中显示多个卡优惠信息。
在一些实施例中，本申请实施例所涉及的第一区域和第二区域可以是优惠信息选择界面中的任意两个区域。例如可以是在优惠选择界面的上面显示平台优惠信息，在优惠选择界面的下面显示卡优惠信息。
作为一种示例，如图10(a)所示的付款界面，通过接收用户用于触发进入目标订单对应的付款界面的第一输入，在显示的与目标订单对应的付款界面，显示了平台优惠信息和卡优惠信息，以及用于支付目标订单的目标支付卡信息。在付款界面用户可以通过确认付款，对支付目标订单进行支付处理。如图10(b)所示的优惠信息选择界面，在平台优惠信息的数量为多个，或者卡优惠信息的数量为多个的情况下，在付款界面为用户显示默认选中的推荐优惠信息，可以在付款界面选择显示更多优惠信息，为用户显示优惠信息选择界面，在优惠信息选择界面的第一区域中，显示了多个平台优惠信息，在优惠信息选择界面的第二区域中用户可以根据显示的多个平台优惠信息和多个卡优惠信息进行自主选择，以此来实现在同一订单中使用跨主体的多个优惠信息。
在一些实施例中，为了使用户可以在在同一订单中使用跨主体的多个优惠信息，该方法还可以包括：
接收用户基于优惠信息选择界面将选中的平台优惠信息切换为第一平台优惠信息的第四输入；
响应于第四输入，向支付平台发送针对目标订单的第一信息查询请求，第一信息查询请求用于指示支付平台查询第一平台优惠信息及其相匹配的第一卡优惠信息；
接收支付平台返回的第一平台优惠信息和第一卡优惠信息；
在优惠信息选择界面中选中第一平台优惠信息，并显示第一卡优惠信息。
在一些实施例中，为了用户可以在多个卡优惠信息中自主选择卡优惠信息，该方法还可以包括：
接收用户基于优惠信息选择界面将选中的卡优惠信息切换为第二卡优惠信息的第五输入；
响应于第五输入，向支付平台发送针对目标订单的第三信息查询请求，第三信息查询请求用于指示支付平台查询选中的第二平台优惠信息和第二卡优惠信息分别对应的优惠金额，并确定第二平台优惠信息与第二卡优惠信息分别对应的优惠金额之和不大于目标订单对应的订单总金额；
接收支付平台返回的第二卡优惠信息；
在优惠信息选择界面中选中第二卡优惠信息。
本申请第二方面实施例中对平台优惠信息和卡优惠信息的切换，与第一方面实施例中的分别对平台优惠信息和卡优惠信息的切换操作相同，在此不再详细描述。
需要说明的是，上述本申请实施例描述的应用场景是为了更加清楚的说明本申请实施例的技术方案，并不构成对于本申请实施例提供的技术方案的限定，本领域普通技术人员可知，随着新应用场景的出现，本申请实施例提供的技术方案对于类似的技术问题，同样适用。
基于相同的发明构思，本申请还提供了一种优惠信息查询装置。具体结合图11进行详细说明。
图11是本申请第一方面实施例提供的一种优惠信息查询装置的结构示意图。该优惠信息查询方法可以应用于支付平台。
如图11所示，该优惠信息查询装置1100可以包括：
第一请求接收模块1101，用于接收支付终端发送的针对目标订单的优 惠信息查询请求；
信息获取模块1102，用于响应于优惠信息查询请求，查询与目标订单对应的平台优惠信息，以及获取与目标用户账号对应的目标支付卡的卡信息，其中，目标用户账号为支付终端中登录的用户账号；
第一查询请求模块1103，用于根据卡信息和与目标订单对应的订单信息，向与目标支付卡对应的目标发卡机构发送卡优惠信息查询请求，卡优惠信息查询请求用于指示目标发卡机构根据订单信息和平台优惠信息查询与目标支付卡对应的卡优惠信息；
第一信息接收模块1104，用于接收目标发卡机构返回的卡优惠信息；
第一信息发送模块1105，用于向支付终端发送平台优惠信息和卡优惠信息，以使支付终端在目标订单对应的付款界面显示平台优惠信息和卡优惠信息，并基于平台优惠信息和卡优惠信息对应的优惠资源支付目标订单。
下面对上述优惠信息查询装置1100进行详细说明，具体如下所示：
在其中一些实施例中，上述优惠信息查询装置1100还可以包括：
接收支付终端发送的针对目标订单的第一支付请求，其中，第一支付请求中包括平台优惠信息和卡优惠信息；
第一资源承兑模块，用于响应于支付请求，基于平台优惠信息对应的优惠资源承兑第一优惠金额，得到第一承兑结果；
第一发送模块，用于向目标发卡机构发送承兑请求，其中，承兑请求用于指示目标发卡机构基于目标优惠信息对应的优惠资源承兑第二优惠金额，得到第二承兑结果；
第一接收模块，用于接收目标发卡机构返回的第二承兑结果；
第二发送模块，用于在第一承兑结果和第二承兑结果均为承兑成功的情况下，若第一优惠金额与第二优惠金额之和小于目标订单对应的订单总金额，则向目标发卡机构发送第二支付请求，其中，第二支付请求中包括与目标订单对应的承兑后的待支付金额，第二支付请求用于指示目标发卡机构按照待支付金额对目标支付卡进行扣款处理。
在一些实施例中，上述优惠信息查询装置1100还可以包括：
第二接收模块，用于接收商户端发送的针对目标订单的交易撤销请求；
撤销模块，用于响应于交易撤销请求，撤销承兑第一优惠金额，得到撤销结果；
第三发送模块，用于向目标发卡机构发送撤销承兑请求，其中，撤销承兑请求用于指示目标发卡机构撤销承兑第二优惠金额；
第四发送模块，用于在撤销结果为撤销成功的情况下，向目标发卡机构发送撤销支付请求，其中，撤销支付请求用于指示目标发卡机构撤销对目标支付卡的扣款处理。
在一些实施例中，上述优惠信息查询装置1100还可以包括：
第三接收模块，用于接收商户端发送的针对目标订单的退货请求；
第一获取模块，用于响应于退货请求，获取目标订单对应的退货金额，基于退货金额从第一优惠金额中确定待退的第一目标优惠金额；
第三查询请求模块，用于向目标发卡机构发送优惠金额查询请求，其中，优惠金额查询请求用于指示目标发卡机构基于退货金额从第二优惠金额中确定待退的第二目标优惠金额；
退还模块，用于根据第一目标优惠金额，退还与第一目标优惠金额对应的优惠资源，以及，根据第二目标优惠金额，向目标发卡机构发送优惠资源退还请求，其中，优惠资源退还请求用于指示目标发卡机构退还与第二目标优惠金额对应的优惠资源；
第五发送模块，用于向目标发卡机构发送退货通知。
在一些实施例中，在上述平台优惠信息的数量为多个，或者所述卡优惠信息的数量为多个的情况下，为了确定最佳优惠信息组合，上述优惠信息查询装置1100还可以包括：
处理模块，用于接收目标发卡机构返回的卡优惠信息，得到与目标支付卡对应的卡优惠信息之后，对平台优惠信息和卡优惠信息进行两两组合处理，得到多个优惠信息组合，优惠信息组合中包括一个平台优惠信息和一个卡优惠信息；
第一确定模块，用于基于多个优惠信息组合分别对应的优惠总金额， 从多个优惠信息组合中确定最大优惠总金额对应的最佳优惠信息组合；
第六发送模块，用于将最佳优惠信息组合作为推荐优惠信息发送至支付终端，以使支付终端默认选中并显示推荐优惠信息。
在一些实施例中，为了确定组合优惠信息是否可用，上述处理模块具体可以包括：
处理子模块，用于对平台优惠信息和卡优惠信息进行两两组合处理，得到多个初始优惠信息组合；
确定子模块，用于确定多个初始优惠信息组合分别对应的优惠总金额，以及与目标订单对应的订单总金额；
第一获取子模块，用于从多个初始优惠信息组合中获取优惠总金额不大于订单总金额的组合，得到多个优惠信息组合。
在一些实施例中，上述第六发送模块具体可以包括：
第二获取子模块，用于获取多个平台优惠信息和多个卡优惠信息分别对应的优惠金额；
发送子模块，用于在第一优惠信息对应的优惠金额大于最大优惠总金额的情况下，将第一优惠信息作为推荐优惠信息发送至支付终端，其中，第一优惠信息为多个平台优惠信息和多个卡优惠信息中的任意一个优惠信息。
在一些实施例中，上述确定子模块具体可以包括：
确定子单元，用于针对多个初始优惠信息组合中的每个初始优惠信息组合，在初始优惠信息组合中的第二优惠信息属于随机优惠类型的信息的情况下，根据第二优惠信息对应的随机优惠范围的下限值，确定初始优惠信息组合对应的优惠总金额，其中，第二优惠信息为初始优惠信息组合中的任一优惠信息。
在一些实施例中，上述优惠信息查询装置1100还可以包括：
第二确定模块，用于在初始优惠信息组合对应的优惠总金额不大于订单总金额的情况下，根据第二优惠信息对应的随机优惠范围的上限值，确定初始优惠信息组合对应的最大随机金额；
调整模块，用于在最大随机金额大于订单总金额的情况下，调整上限 值，以使最大随机金额不大于订单总金额。
在一些实施例中，在初始优惠信息组合中的第三优惠信息属于固定优惠类型的信息的情况下，为了得到调整后的随机优惠范围的上限值，上述调整模块具体可以包括：
第一计算子模块，用于计算订单总金额与第三优惠信息对应的优惠金额之差，得到第一目标差值，其中，第三优惠信息为初始优惠信息组合中除第二优惠信息之外的优惠信息；
第一调整子模块，用于将上限值调整为第一目标差值。
在一些实施例中，在初始优惠信息组合中的平台优惠信息和卡优惠信息均属于随机优惠类型的信息的情况下，上述调整模块具体可以包括：
第三获取子模块，用于获取卡优惠信息对应的实际随机金额；
第二计算子模块，用于在实际随机金额与平台优惠信息对应的随机优惠范围的上限值之和大于订单总金额，且实际随机金额与平台优惠信息对应的随机优惠范围的下限值之和不大于订单总金额的情况下，计算订单总金额与实际随机金额之差，得到第二目标差值；
第二调整子模块，用于将平台优惠信息对应的随机优惠范围的上限值调整为第二目标差值。
在一些实施例中，上述优惠信息查询装置1100还可以包括：
设置模块，用于在实际随机金额与平台优惠信息对应的随机优惠范围的下限值之和大于订单总金额的情况下，将平台优惠信息对应的优惠金额固定设置为其对应的随机优惠范围的下限值，并向目标发卡机构发送上限值调整请求，其中，上限值调整请求用于指示目标发卡机构将卡优惠信息对应的随机优惠范围的上限值调整为第三目标差值，第三目标差值为订单总金额与平台优惠信息对应的随机优惠范围的下限值之间的差值。
在一些实施例中，在平台优惠信息的数量为多个的情况下，为了保证用户在支付平台自主选择平台优惠信息，上述优惠信息查询装置1100还可以包括：
第三接收模块，用于在上述向支付终端发送平台优惠信息和卡优惠信息之后，接收支付终端发送的针对目标订单的第一信息查询请求，其中， 第一信息查询请求为用户针对目标订单将选中的平台优惠信息切换为第一平台优惠信息的情况下支付终端发送的请求；
第一查询金额模块，用于响应于信息查询请求，查询与第一平台优惠信息对应的优惠金额；
第七发送模块，用于根据第一平台优惠信息对应的优惠金额，向目标发卡机构发送第二信息查询请求，其中，第二信息查询请求用于指示目标发卡机构根据第一平台优惠信息对应的优惠金额，查询相匹配的第一卡优惠信息；
第四接收模块，用于接收目标发卡机构返回的第一卡优惠信息；
第八发送模块，用于向支付终端发送第一平台优惠信息和第一卡优惠信息。
在一些实施例中，在卡优惠信息的数量为多个的情况下，为了保证用户在支付平台自主选择卡优惠信息，上述优惠信息查询装置1100还可以包括：
第五接收模块，用于在上述向支付终端发送平台优惠信息和卡优惠信息之后，接收支付终端发送的针对目标订单的第三信息查询请求，其中，第三信息查询请求为用户针对目标订单将选中的卡优惠信息切换为第二卡优惠信息的情况下支付终端发送的请求；
第二查询金额模块，用于响应于信息查询请求，查询第二平台优惠信息和第二卡优惠信息分别对应的优惠金额，其中，第二平台优惠信息为用户针对目标订单选中的平台优惠信息；
第九发送模块，用于在第二平台优惠信息与第二卡优惠信息分别对应的优惠金额之和不大于目标订单对应的订单总金额的情况下，向支付终端发送第二卡优惠信息。
图12是本申请第二方面实施例提供的一种优惠信息查询装置的结构示意图。该优惠信息查询方法可以应用于支付终端。
如图12所示，该优惠信息查询装置1200可以包括：
第一输入接收模块1201，用于接收用户用于触发进入目标订单对应的付款界面的第一输入；
第二查询请求模块1202，用于响应于第一输入，向支付平台发送针对目标订单的优惠信息查询请求，优惠信息查询请求用于指示支付平台查询与目标订单对应的平台优惠信息和与目标支付卡对应的卡优惠信息，目标支付卡为与目标用户账号对应的支付卡，目标用户账号为支付终端中登录的用户账号；
第二信息接收模块1203，用于接收支付平台返回的平台优惠信息和卡优惠信息；
第一显示模块1204，用于显示付款界面，并在付款界面中显示平台优惠信息和卡优惠信息。
在一些实施例中，为了基于优惠信息对目标订单进行支付，上述优惠信息查询装置1200还可以包括：
第六接收模块，用于在目标订单对应的付款界面中显示平台优惠信息和卡优惠信息之后，接收用户在付款界面触发支付目标订单的第二输入；
第十发送模块，用于响应于第二输入，向支付平台发送针对目标订单的第一支付请求，其中，第一支付请求中包括平台优惠信息和卡优惠信息，第一支付请求用于指示支付平台根据平台优惠信息和卡优惠信息分别对应的优惠资源对目标订单进行支付处理。
在一些实施例中，在平台优惠信息的数量为多个，或者卡优惠信息的数量为多个的情况下，为了使用户可以使用最佳优惠组合，上述优惠信息查询装置1200还可以包括：
第七接收模块，用于接收支付平台发送的推荐优惠信息；
上述第一显示模块1204，具体可以包括：
显示子模块，用于默认选中推荐优惠信息，并在付款界面中显示推荐优惠信息。
在一些实施例中，为了向用户展示多个优惠信息，上述优惠信息查询装置1200还可以包括：
第八接收模块，用于接收用户基于付款界面触发显示更多优惠信息的第三输入；
第二显示模块，用于响应于第三输入，显示优惠信息选择界面，并在 优惠信息选择界面的第一区域中显示多个平台优惠信息，在优惠信息选择界面的第二区域中显示多个卡优惠信息。
在一些实施例中，为了使用户可以在多个平台优惠信息中自主选择平台优惠信息，上述优惠信息查询装置1200还可以包括：
第九接收模块，用于接收用户基于优惠信息选择界面将选中的平台优惠信息切换为第一平台优惠信息的第四输入；
第十一发送模块，用于响应于第四输入，向支付平台发送针对目标订单的第一信息查询请求，第一信息查询请求用于指示支付平台查询第一平台优惠信息及其相匹配的第一卡优惠信息；
第十接收模块，用于接收支付平台返回的第一平台优惠信息和第一卡优惠信息；
第三显示模块，用于在优惠信息选择界面中选中第一平台优惠信息，并显示第一卡优惠信息。
在一些实施例中，为了用户可以在多个卡优惠信息中自主选择卡优惠信息，上述优惠信息查询装置1200还可以包括：
第十一接收模块，用于接收用户基于优惠信息选择界面将选中的卡优惠信息切换为第二卡优惠信息的第五输入；
第十二发送模块，用于响应于第五输入，向支付平台发送针对目标订单的第三信息查询请求，第三信息查询请求用于指示支付平台查询选中的第二平台优惠信息和第二卡优惠信息分别对应的优惠金额，并确定第二平台优惠信息与第二卡优惠信息分别对应的优惠金额之和不大于目标订单对应的订单总金额；
第十二接收模块，用于接收支付平台返回的第二卡优惠信息；
选中模块，用于在优惠信息选择界面中选中第二卡优惠信息。
由此，通过支付平台接收支付终端发送的针对目标订单的优惠信息查询请求，根据优惠信息查询请求查询与目标订单对应的平台优惠信息，并获取目标用户的目标支付卡信息；根据目标支付卡信息和目标订单信息，支付平台向与目标支付卡对应的目标发卡机构发送卡优惠信息查询请求；支付平台接收到目标发卡机构返回的卡优惠信息后，向支付终端发送平台 优惠信息和卡优惠信息，支付终端可以根据平台优惠信息和卡优惠信息对应的优惠资源支付目标订单。用户在支付终端进行支付操作时，可以通过目标支付卡信息和目标订单信息为用户查询与目标支付卡对应的卡优惠信息，无需将多个主体的营销资金统一划到一个主体的指定账户中，并且通过将查询得到的卡优惠信息和为用户提供与目标订单对应的平台优惠信息，发送至支付终端，可以展示多个主体的营销活动优惠信息，实现在同一订单中使用跨主体的多个优惠信息。
图13是本申请实施例提供的一种电子设备的结构示意图。
在电子设备1300可以包括处理器1301以及存储有计算机程序指令的存储器1302。
具体地，上述处理器1301可以包括中央处理器(CPU)，或者特定集成电路(Application Specific Integrated Circuit，ASIC)，或者可以被配置成实施本申请实施例的一个或多个集成电路。
存储器1302可以包括用于数据或指令的大容量存储器。举例来说而非限制，存储器1302可包括硬盘驱动器(Hard Disk Drive，HDD)、软盘驱动器、闪存、光盘、磁光盘、磁带或通用串行总线(Universal Serial Bus，USB)驱动器或者两个或更多个以上这些的组合。在合适的情况下，存储器1302可包括可移除或不可移除(或固定)的介质。在合适的情况下，存储器1302可在综合网关容灾设备的内部或外部。在特定实施例中，存储器1302是非易失性固态存储器。
在特定实施例中，存储器可包括只读存储器(ROM)，随机存取存储器(RAM)，磁盘存储介质设备，光存储介质设备，闪存设备，电气、光学或其他物理/有形的存储器存储设备。因此，通常，存储器包括一个或多个编码有包括计算机可执行指令的软件的有形(非暂态)计算机可读存储介质(例如，存储器设备)，并且当该软件被执行(例如，由一个或多个处理器)时，其可操作来执行参考根据本申请的一方面的方法所描述的操作。
处理器1301通过读取并执行存储器1302中存储的计算机程序指令，以实现上述实施例中的任意一种优惠信息查询方法。
在一些示例中，电子设备1300还可包括通信接口1303和总线1310。其中，如图13所示，处理器1301、存储器1302、通信接口1303通过总线1310连接并完成相互间的通信。
通信接口1303主要用于实现本申请实施例中各模块、装置、单元和/或设备之间的通信。
总线1310包括硬件、软件或两者，将在线数据流量计费设备的部件彼此耦接在一起。举例来说而非限制，总线1310可包括加速图形端口(AGP)或其他图形总线、增强工业标准架构(EISA)总线、前端总线(FSB)、超传输(HT)互连、工业标准架构(ISA)总线、无限带宽互连、低引脚数(LPC)总线、存储器总线、微信道架构(MCA)总线、外围组件互连(PCI)总线、PCI-Express(PCI-X)总线、串行高级技术附件(SATA)总线、视频电子标准协会局部(VLB)总线或其他合适的总线或者两个或更多个以上这些的组合。在合适的情况下，总线1310可包括一个或多个总线。尽管本申请实施例描述和示出了特定的总线，但本申请考虑任何合适的总线或互连。
示例性的，电子设备1300可以为手机、平板电脑、笔记本电脑、掌上电脑、车载电子设备、超级移动个人计算机(ultra-mobile personal computer，UMPC)、上网本或者个人数字助理(personal digital assistant，PDA)等。
该电子设备1300可以执行本申请实施例中的优惠信息查询方法，从而实现结合图1至图12描述的优惠信息查询方法和装置。
另外，结合上述实施例中的优惠信息查询方法，本申请实施例可提供一种计算机可读存储介质来实现。该计算机可读存储介质上存储有计算机程序指令；该计算机程序指令被处理器执行时实现上述实施例中的任意一种优惠信息查询方法。计算机可读存储介质的示例包括非暂态计算机可读存储介质，如便携式盘、硬盘、随机存取存储器(RAM)、只读存储器(ROM)、可擦式可编程只读存储器(EPROM或闪存)、便携式紧凑盘只读存储器(CD-ROM)、光存储器件、磁存储器件等。
需要明确的是，本申请并不局限于上文所描述并在图中示出的特定配 置和处理。为了简明起见，这里省略了对已知方法的详细描述。在上述实施例中，描述和示出了若干具体的步骤作为示例。但是，本申请的方法过程并不限于所描述和示出的具体步骤，本领域的技术人员可以在领会本申请的精神后，作出各种改变、修改和添加，或者改变步骤之间的顺序。
以上所述的结构框图中所示的功能块可以实现为硬件、软件、固件或者它们的组合。当以硬件方式实现时，其可以例如是电子电路、专用集成电路(ASIC)、适当的固件、插件、功能卡等等。当以软件方式实现时，本申请的元素是被用于执行所需任务的程序或者代码段。程序或者代码段可以存储在机器可读介质中，或者通过载波中携带的数据信号在传输介质或者通信链路上传送。“机器可读介质”可以包括能够存储或传输信息的任何介质。机器可读介质的例子包括电子电路、半导体存储器设备、ROM、闪存、可擦除ROM(EROM)、软盘、CD-ROM、光盘、硬盘、光纤介质、射频(RF)链路，等等。代码段可以经由诸如因特网、内联网等的计算机网络被下载。
还需要说明的是，本申请中提及的示例性实施例，基于一系列的步骤或者装置描述一些方法或系统。但是，本申请不局限于上述步骤的顺序，也就是说，可以按照实施例中提及的顺序执行步骤，也可以不同于实施例中的顺序，或者若干步骤同时执行。
上面参考根据本申请的实施例的方法、装置(系统)和计算机程序产品的流程图和/或框图描述了本申请的各方面。应当理解，流程图和/或框图中的每个方框以及流程图和/或框图中各方框的组合可以由计算机程序指令实现。这些计算机程序指令可被提供给通用计算机、专用计算机、或其它可编程数据处理装置的处理器，以产生一种机器，使得经由计算机或其它可编程数据处理装置的处理器执行的这些指令使能对流程图和/或框图的一个或多个方框中指定的功能/动作的实现。这种处理器可以是但不限于是通用处理器、专用处理器、特殊应用处理器或者现场可编程逻辑电路。还可理解，框图和/或流程图中的每个方框以及框图和/或流程图中的方框的组合，也可以由执行指定的功能或动作的专用硬件来实现，或可由专用硬件和计算机指令的组合来实现。
以上所述，仅为本申请的具体实施方式，所属领域的技术人员可以清楚地了解到，为了描述的方便和简洁，上述描述的系统、模块和单元的具体工作过程，可以参考前述方法实施例中的对应过程，在此不再赘述。应理解，本申请的保护范围并不局限于此，任何熟悉本技术领域的技术人员在本申请揭露的技术范围内，可轻易想到各种等效的修改或替换，这些修改或替换都应涵盖在本申请的保护范围之内。

Claims (25)

  1. 一种优惠信息查询方法，应用于支付平台，所述方法包括：
    接收支付终端发送的针对目标订单的优惠信息查询请求；
    响应于所述优惠信息查询请求，查询与所述目标订单对应的平台优惠信息，以及获取与目标用户账号对应的目标支付卡的卡信息，其中，所述目标用户账号为所述支付终端中登录的用户账号；
    根据所述卡信息和与所述目标订单对应的订单信息，向与所述目标支付卡对应的目标发卡机构发送卡优惠信息查询请求，所述卡优惠信息查询请求用于指示所述目标发卡机构根据所述订单信息和所述平台优惠信息查询与所述目标支付卡对应的卡优惠信息；
    接收所述目标发卡机构返回的所述卡优惠信息；
    向所述支付终端发送所述平台优惠信息和所述卡优惠信息，以使所述支付终端在所述目标订单对应的付款界面显示所述平台优惠信息和所述卡优惠信息，并基于所述平台优惠信息和所述卡优惠信息对应的优惠资源支付所述目标订单。
  2. 根据权利要求1所述的方法，还包括：
    接收所述支付终端发送的针对所述目标订单的第一支付请求，其中，所述第一支付请求中包括所述平台优惠信息和所述卡优惠信息；
    响应于所述支付请求，基于所述平台优惠信息对应的优惠资源承兑第一优惠金额，得到第一承兑结果；
    向所述目标发卡机构发送承兑请求，其中，所述承兑请求用于指示所述目标发卡机构基于所述卡优惠信息对应的优惠资源承兑第二优惠金额，得到第二承兑结果；
    接收所述目标发卡机构返回的所述第二承兑结果；
    在所述第一承兑结果和所述第二承兑结果均为承兑成功的情况下，若所述第一优惠金额与所述第二优惠金额之和小于所述目标订单对应的订单总金额，则向所述目标发卡机构发送第二支付请求，其中，所述第二支付请求中包括与所述目标订单对应的承兑后的待支付金额，所述第二支付请求用于指示所述目标发卡机构按照所述待支付金额对所述目标支付卡进行 扣款处理。
  3. 根据权利要求2所述的方法，还包括：
    接收商户端发送的针对所述目标订单的交易撤销请求；
    响应于所述交易撤销请求，撤销承兑所述第一优惠金额，得到撤销结果；
    向所述目标发卡机构发送撤销承兑请求，其中，所述撤销承兑请求用于指示所述目标发卡机构撤销承兑所述第二优惠金额；
    在所述撤销结果为撤销成功的情况下，向所述目标发卡机构发送撤销支付请求，其中，所述撤销支付请求用于指示所述目标发卡机构撤销对所述目标支付卡的扣款处理。
  4. 根据权利要求2所述的方法，还包括：
    接收商户端发送的针对所述目标订单的退货请求；
    响应于所述退货请求，获取所述目标订单对应的退货金额，基于所述退货金额从所述第一优惠金额中确定待退的第一目标优惠金额；
    向所述目标发卡机构发送优惠金额查询请求，其中，所述优惠金额查询请求用于指示所述目标发卡机构基于所述退货金额从所述第二优惠金额中确定待退的第二目标优惠金额；
    根据所述第一目标优惠金额，退还与所述第一目标优惠金额对应的优惠资源，以及，根据所述第二目标优惠金额，向所述目标发卡机构发送优惠资源退还请求，其中，所述优惠资源退还请求用于指示所述目标发卡机构退还与所述第二目标优惠金额对应的优惠资源；
    向所述目标发卡机构发送退货通知。
  5. 根据权利要求1所述的方法，其中，在所述平台优惠信息的数量为多个，或者所述卡优惠信息的数量为多个的情况下，在接收所述目标发卡机构返回的所述卡优惠信息，得到与所述目标支付卡对应的卡优惠信息之后，所述方法还包括：
    对所述平台优惠信息和所述卡优惠信息进行两两组合处理，得到多个优惠信息组合，所述优惠信息组合中包括一个所述平台优惠信息和一个所述卡优惠信息；
    基于所述多个优惠信息组合分别对应的优惠总金额，从所述多个优惠信息组合中确定最大优惠总金额对应的最佳优惠信息组合；
    将所述最佳优惠信息组合作为推荐优惠信息发送至所述支付终端，以使所述支付终端默认选中并显示所述推荐优惠信息。
  6. 根据权利要求5所述的方法，其中，所述对所述平台优惠信息和所述卡优惠信息进行两两组合处理，得到多个优惠信息组合，包括：
    对所述平台优惠信息和所述卡优惠信息进行两两组合处理，得到多个初始优惠信息组合；
    确定所述多个初始优惠信息组合分别对应的优惠总金额，以及与所述目标订单对应的订单总金额；
    从所述多个初始优惠信息组合中获取所述优惠总金额不大于所述订单总金额的组合，得到所述多个优惠信息组合。
  7. 根据权利要求6所述的方法，其中，所述将所述最佳优惠信息组合作为推荐优惠信息发送至所述支付终端，包括：
    获取多个所述平台优惠信息和多个所述卡优惠信息分别对应的优惠金额；
    在第一优惠信息对应的优惠金额大于所述最大优惠总金额的情况下，将所述第一优惠信息作为所述推荐优惠信息发送至所述支付终端，其中，所述第一优惠信息为多个所述平台优惠信息和多个所述卡优惠信息中的任意一个优惠信息。
  8. 根据权利要求6所述的方法，其中，所述确定所述多个初始优惠信息组合分别对应的优惠总金额，包括：
    针对所述多个初始优惠信息组合中的每个初始优惠信息组合，在所述初始优惠信息组合中的第二优惠信息属于随机优惠类型的信息的情况下，根据所述第二优惠信息对应的随机优惠范围的下限值，确定所述初始优惠信息组合对应的优惠总金额，其中，所述第二优惠信息为所述初始优惠信息组合中的任一优惠信息。
  9. 根据权利要求8所述的方法，其中，在根据所述第二优惠信息对应的随机优惠范围的下限值，确定所述初始优惠信息组合对应的优惠总金 额之后，所述方法还包括：
    在所述初始优惠信息组合对应的优惠总金额不大于所述订单总金额的情况下，根据所述第二优惠信息对应的随机优惠范围的上限值，确定所述初始优惠信息组合对应的最大随机金额；
    在所述最大随机金额大于所述订单总金额的情况下，调整所述上限值，以使所述最大随机金额不大于所述订单总金额。
  10. 根据权利要求9所述的方法，其中，在所述初始优惠信息组合中的第三优惠信息属于固定优惠类型的信息的情况下，所述调整所述上限值，包括：
    计算所述订单总金额与所述第三优惠信息对应的优惠金额之差，得到第一目标差值，其中，所述第三优惠信息为所述初始优惠信息组合中除所述第二优惠信息之外的优惠信息；
    将所述上限值调整为所述第一目标差值。
  11. 根据权利要求9所述的方法，其中，在所述初始优惠信息组合中的平台优惠信息和卡优惠信息均属于所述随机优惠类型的信息的情况下，所述调整所述上限值，包括：
    获取所述卡优惠信息对应的实际随机金额；
    在所述实际随机金额与所述平台优惠信息对应的随机优惠范围的上限值之和大于所述订单总金额，且所述实际随机金额与所述平台优惠信息对应的随机优惠范围的下限值之和不大于所述订单总金额的情况下，计算所述订单总金额与所述实际随机金额之差，得到第二目标差值；
    将所述平台优惠信息对应的随机优惠范围的上限值调整为所述第二目标差值。
  12. 根据权利要求11所述的方法，还包括：
    在所述实际随机金额与所述平台优惠信息对应的随机优惠范围的下限值之和大于所述订单总金额的情况下，将所述平台优惠信息对应的优惠金额固定设置为其对应的随机优惠范围的下限值，并向所述目标发卡机构发送上限值调整请求，其中，所述上限值调整请求用于指示所述目标发卡机构将所述卡优惠信息对应的随机优惠范围的上限值调整为第三目标差值， 所述第三目标差值为所述订单总金额与所述平台优惠信息对应的随机优惠范围的下限值之间的差值。
  13. 根据权利要求1所述的方法，其中，在所述平台优惠信息的数量为多个的情况下，在向所述支付终端发送所述平台优惠信息和所述卡优惠信息之后，所述方法还包括：
    接收所述支付终端发送的针对所述目标订单的第一信息查询请求，其中，所述第一信息查询请求为用户针对所述目标订单将选中的平台优惠信息切换为第一平台优惠信息的情况下所述支付终端发送的请求；
    响应于所述信息查询请求，查询与所述第一平台优惠信息对应的优惠金额；
    根据所述第一平台优惠信息对应的优惠金额，向所述目标发卡机构发送第二信息查询请求，其中，所述第二信息查询请求用于指示所述目标发卡机构根据所述第一平台优惠信息对应的优惠金额，查询相匹配的第一卡优惠信息；
    接收所述目标发卡机构返回的所述第一卡优惠信息；
    向所述支付终端发送所述第一平台优惠信息和所述第一卡优惠信息。
  14. 根据权利要求1所述的方法，其中，在所述卡优惠信息的数量为多个的情况下，在向所述支付终端发送所述平台优惠信息和所述卡优惠信息之后，所述方法还包括：
    接收所述支付终端发送的针对所述目标订单的第三信息查询请求，其中，所述第三信息查询请求为用户针对所述目标订单将选中的卡优惠信息切换为第二卡优惠信息的情况下所述支付终端发送的请求；
    响应于所述信息查询请求，查询第二平台优惠信息和所述第二卡优惠信息分别对应的优惠金额，其中，所述第二平台优惠信息为用户针对所述目标订单选中的平台优惠信息；
    在所述第二平台优惠信息与所述第二卡优惠信息分别对应的优惠金额之和不大于所述目标订单对应的订单总金额的情况下，向所述支付终端发送所述第二卡优惠信息。
  15. 一种优惠信息查询方法，应用于支付终端，所述方法包括：
    接收用户用于触发进入目标订单对应的付款界面的第一输入；
    响应于所述第一输入，向支付平台发送针对所述目标订单的优惠信息查询请求，所述优惠信息查询请求用于指示所述支付平台查询与所述目标订单对应的平台优惠信息和与目标支付卡对应的卡优惠信息，所述目标支付卡为与目标用户账号对应的支付卡，所述目标用户账号为所述支付终端中登录的用户账号；
    接收所述支付平台返回的所述平台优惠信息和所述卡优惠信息；
    显示所述付款界面，并在所述付款界面中显示所述平台优惠信息和所述卡优惠信息。
  16. 根据权利要求15所述的方法，其中，在与所述目标订单对应的付款界面中显示所述平台优惠信息和所述卡优惠信息之后，所述方法还包括：
    接收用户在所述付款界面触发支付所述目标订单的第二输入；
    响应于所述第二输入，向所述支付平台发送针对所述目标订单的第一支付请求，其中，所述第一支付请求中包括所述平台优惠信息和所述卡优惠信息，所述第一支付请求用于指示所述支付平台根据所述平台优惠信息和所述卡优惠信息分别对应的优惠资源对所述目标订单进行支付处理。
  17. 根据权利要求15所述的方法，其中，在所述平台优惠信息的数量为多个，或者所述卡优惠信息的数量为多个的情况下，所述方法还包括：
    接收所述支付平台发送的推荐优惠信息；
    所述在所述付款界面中显示所述平台优惠信息和所述卡优惠信息，包括：
    默认选中所述推荐优惠信息，并在所述付款界面中显示所述推荐优惠信息。
  18. 根据权利要求17所述的方法，还包括：
    接收用户基于所述付款界面触发显示更多优惠信息的第三输入；
    响应于所述第三输入，显示优惠信息选择界面，并在所述优惠信息选择界面的第一区域中显示多个所述平台优惠信息，在所述优惠信息选择界 面的第二区域中显示多个所述卡优惠信息。
  19. 根据权利要求18所述的方法，还包括：
    接收用户基于所述优惠信息选择界面将选中的平台优惠信息切换为第一平台优惠信息的第四输入；
    响应于所述第四输入，向所述支付平台发送针对所述目标订单的第一信息查询请求，所述第一信息查询请求用于指示所述支付平台查询所述第一平台优惠信息及其相匹配的第一卡优惠信息；
    接收所述支付平台返回的所述第一平台优惠信息和所述第一卡优惠信息；
    在所述优惠信息选择界面中选中所述第一平台优惠信息，并显示所述第一卡优惠信息。
  20. 根据权利要求18所述的方法，还包括：
    接收用户基于所述优惠信息选择界面将选中的卡优惠信息切换为第二卡优惠信息的第五输入；
    响应于所述第五输入，向所述支付平台发送针对所述目标订单的第三信息查询请求，所述第三信息查询请求用于指示所述支付平台查询选中的第二平台优惠信息和所述第二卡优惠信息分别对应的优惠金额，并确定所述第二平台优惠信息与所述第二卡优惠信息分别对应的优惠金额之和不大于所述目标订单对应的订单总金额；
    接收所述支付平台返回的所述第二卡优惠信息；
    在所述优惠信息选择界面中选中所述第二卡优惠信息。
  21. 一种优惠信息查询装置，应用于支付平台，所述装置包括：
    第一请求接收模块，用于接收支付终端发送的针对目标订单的优惠信息查询请求；
    信息获取模块，用于响应于所述优惠信息查询请求，查询与所述目标订单对应的平台优惠信息，以及获取与目标用户账号对应的目标支付卡的卡信息，其中，所述目标用户账号为所述支付终端中登录的用户账号；
    第一查询请求模块，用于根据所述卡信息和与所述目标订单对应的订单信息，向与所述目标支付卡对应的目标发卡机构发送卡优惠信息查询请 求，所述卡优惠信息查询请求用于指示所述目标发卡机构根据所述订单信息和所述平台优惠信息查询与所述目标支付卡对应的卡优惠信息；
    第一信息接收模块，用于接收所述目标发卡机构返回的所述卡优惠信息；
    第一信息发送模块，用于向所述支付终端发送所述平台优惠信息和所述卡优惠信息，以使所述支付终端在所述目标订单对应的付款界面显示所述平台优惠信息和所述卡优惠信息，并基于所述平台优惠信息和所述卡优惠信息对应的优惠资源支付所述目标订单。
  22. 一种优惠信息查询装置，应用于支付终端，所述装置包括：
    第一输入接收模块，用于接收用户用于触发进入目标订单对应的付款界面的第一输入；
    第二查询请求模块，用于响应于所述第一输入，向支付平台发送针对所述目标订单的优惠信息查询请求，所述优惠信息查询请求用于指示所述支付平台查询与所述目标订单对应的平台优惠信息和与目标支付卡对应的卡优惠信息，所述目标支付卡为与目标用户账号对应的支付卡，所述目标用户账号为所述支付终端中登录的用户账号；
    第二信息接收模块，用于接收所述支付平台返回的所述平台优惠信息和所述卡优惠信息；
    第一显示模块，用于显示所述付款界面，并在所述付款界面中显示所述平台优惠信息和所述卡优惠信息。
  23. 一种电子设备，所述设备包括：处理器以及存储有计算机程序指令的存储器；
    所述处理器执行所述计算机程序指令时实现如权利要求1-14或15-20任意一项所述的优惠信息查询方法的步骤。
  24. 一种计算机可读存储介质，所述计算机可读存储介质上存储有计算机程序指令，所述计算机程序指令被处理器执行时实现如权利要求1-14或15-20任意一项所述的优惠信息查询方法的步骤。
  25. 一种计算机程序产品，所述计算机程序产品中的指令由电子设备的处理器执行时，使得所述电子设备执行如权利要求1-14或15-20任意一 项所述的优惠信息查询方法的步骤。
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CN115760084A (zh) * 2022-11-21 2023-03-07 中国银联股份有限公司 优惠信息查询方法、装置、设备、存储介质及产品

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CN119248136A (zh) * 2024-09-18 2025-01-03 北京字跳网络技术有限公司 用于电子支付的方法、装置、设备和存储介质

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