CN102034184A - Method and device for configuring payment platform account as well as payment method and payment device - Google Patents
Method and device for configuring payment platform account as well as payment method and payment device Download PDFInfo
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- CN102034184A CN102034184A CN2010105647467A CN201010564746A CN102034184A CN 102034184 A CN102034184 A CN 102034184A CN 2010105647467 A CN2010105647467 A CN 2010105647467A CN 201010564746 A CN201010564746 A CN 201010564746A CN 102034184 A CN102034184 A CN 102034184A
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Abstract
The invention discloses a method and a device for configuring a payment platform account as well as a payment method and a payment device. The configuring method comprises the following steps of: setting a plurality of asset accounts for the payment platform account; and configuring the property of at least one asset account to be different from other asset accounts. The method and the device for configuring the payment platform account as well as the payment method and the payment device enhance the payment capacity of the payment account, are convenient for users to use, improve the user experience, and the like.
Description
Technical field
The present invention relates to account configuring technical field, specially refer to a kind of method, device and method of payment, device of payment platform account configuration.
Background technology
Present third party or cubic payment platform all only can be provided with a fund account when for the user user account being set, supplementing with money and paying of user all is to be undertaken by this fund account.If some businessman needs the user account of this businessman of payment platform trustship, and the fund account fund that requires the user can only be used for the consumption of this businessman, payment platform or can't satisfy businessman's demand then, or the sphere of consumption of limited subscriber fund account is set, cause to the user and use inconvenience.
Summary of the invention
Fundamental purpose of the present invention helps promoting user experience for a kind of method, device and method of payment, device of payment platform account configuration are provided, and is user-friendly to.
The present invention proposes a kind of collocation method of payment platform account, comprises step:
For the payment platform account is provided with a plurality of fund accounts;
With the attribute configuration of at least one fund account for being different from other capital account.
Preferably, described attribute comprises:
Payment funding, fund flow and fund are supplemented with money.
Preferably, described method also comprises:
Revise the described attribute of configuration.
The present invention also proposes a kind of inking device of payment platform account, comprising:
Account is provided with module, is used to the payment platform account that a plurality of fund accounts are set;
The attribute configuration module is used for attribute configuration with at least one fund account for being different from other capital account.
Preferably, described attribute comprises:
Payment funding, fund flow and fund are supplemented with money.
Preferably, described device also comprises:
Modified module is used to revise the described attribute of configuration.
The present invention proposes a kind of method of payment of payment platform account in addition, comprises step:
Receive the Payment Request of client;
According to described Payment Request, from a plurality of fund accounts that set in advance, select at least one fund account to pay.
Preferably, described method also comprises:
Whether the amount of money of judging the fund account of selecting satisfies Payment Request;
When satisfying, pay;
When not satisfying, judge whether other account in a plurality of fund accounts can carry out the transfer of funds; In the time can carrying out, from other fund account transfer fund.
The present invention proposes a kind of payment mechanism of payment platform account again, comprising:
Receiver module is used to receive the Payment Request of client;
Payment module is used for according to described Payment Request, selects at least one fund account to pay from a plurality of fund accounts that set in advance.
Preferably, described device also comprises judge module, is used for:
Whether the amount of money of judging the fund account of selecting satisfies Payment Request;
When satisfying, pay;
When not satisfying, judge whether other account in a plurality of fund accounts can carry out the transfer of funds; In the time can carrying out, from other fund account transfer fund.
Method, device and method of payment, the device of payment platform account of the present invention configuration have strengthened the paying ability of payment platform account, are user-friendly to, and promote user experience etc.
Description of drawings
Fig. 1 is the steps flow chart synoptic diagram of collocation method one embodiment of payment platform account of the present invention;
Fig. 2 is another steps flow chart synoptic diagram of collocation method one embodiment of payment platform account of the present invention;
Fig. 3 is the structural representation of inking device one embodiment of payment platform account of the present invention;
Fig. 4 is another structural representation of inking device one embodiment of payment platform account of the present invention;
Fig. 5 is the steps flow chart synoptic diagram of method of payment one embodiment of payment platform account of the present invention;
Fig. 6 is another steps flow chart synoptic diagram of method of payment one embodiment of payment platform account of the present invention;
Fig. 7 is the structural representation of payment mechanism one embodiment of payment platform account of the present invention;
Fig. 8 is another structural representation of payment mechanism one embodiment of payment platform account of the present invention.
The realization of the object of the invention, functional characteristics and advantage will be in conjunction with the embodiments, are described further with reference to accompanying drawing.
Embodiment
Should be appreciated that specific embodiment described herein only in order to explanation the present invention, and be not used in qualification the present invention.
With reference to Fig. 1, the collocation method of a kind of payment platform account of one embodiment of the invention is proposed.This method comprises:
Step S10, a plurality of fund accounts are set for the payment platform account;
Step S11, with the attribute configuration of at least one fund account for being different from other capital account.
Fund account in the payment platform account can be provided with a plurality ofly, these a plurality of fund accounts all can have payment funding, the transfer of funds and fund and functional attributes such as supplement with money.This payment funding can comprise payment object and payment amount etc.; This transfer of funds can comprise own transfer object and shift amount etc.; This fund is supplemented with money and can be comprised that fund supplements the source with money and supplement amount etc. with money.
And at least one the attribute in these a plurality of fund accounts can be configured to be different from other fund account.This attribute comprises that payment funding, fund flow and fund supplement with money etc.This difference can be the payment object, payment amount, transfer object, transfer amount of fund, the difference of supplementing the source with money and supplementing amount etc. with money; It wherein mainly can be the payment object difference of fund.
With reference to Fig. 2, said method also comprises:
The described attribute of step S12, modification configuration.
Above-mentioned payment object, payment amount, transfer object, transfer amount, supplement the source with money and supplement attribute such as amount with money, after configuration, can make amendment; And can after modification, dynamically come into force.
Above-mentioned payment funding attribute promptly allows the account can be to the fund amount etc. that payment and payment are provided of which businessman's commodity.The transfer of funds attribute of above-mentioned account fund promptly allows fund amount that the fund of this fund account can shift and shift to other which fund account of user etc.; Comprise in addition if Sorry, your ticket has not enough value at the current fund account of user's payment process, whether above-mentioned account fund can transfer to current fund account automatically.Above-mentioned fund is supplemented attribute with money, and promptly which is supplemented the recharge amount of initiating in the source with money and need be saved in the account, samely supplements the source initiates supplement with money and can only finish in same account with money, and the restriction etc. whether amount is arranged.When offering fund account, the mode by configuration defines the various attributes of this fund account, if follow-up the change then dynamically come into force behind the configuration modification.
Transfer of funds flow process between fund account: at first, show all fund account information to the user; Then, between fund account, during the transfer of funds, judge that whether changeed fund account has to the ability that produces the fund account transfer fund, just allows when only having ability to shift.So, can be user-friendly to.
The flow process that fund account is supplemented with money: at first, client is initiated user's charging request to payment platform; Then, payment platform is according to supplementing the source and the ability of supplementing with money of each fund account with money, finds the fund account that can supplement with money and finishes and supplement with money.So, can be user-friendly to.
The collocation method of above-mentioned payment platform account by offering a plurality of fund accounts for the payment platform account, and disposes different attributes, and above-mentioned attribute can make amendment, and has strengthened the paying ability of payment platform account, is user-friendly to, and promotes user experience etc.
With reference to Fig. 3, the inking device of a kind of payment platform account of one embodiment of the invention is proposed.This device comprises:
Account is provided with module 31, is used to the payment platform account that a plurality of fund accounts are set;
Above-mentioned account is provided with module 31 and the fund account in the payment platform account can be provided with a plurality ofly, and these a plurality of fund accounts all can have payment funding, the transfer of funds and fund and functional attributes such as supplement with money.This payment funding can comprise payment object and payment amount etc.; This transfer of funds can comprise own transfer object and shift amount etc.; This fund is supplemented with money and can be comprised that fund supplements the source with money and supplement amount etc. with money.
Above-mentioned attribute configuration module 32 can be configured to be different from other fund account with at least one the attribute in these a plurality of fund accounts.This attribute comprises that payment funding, fund flow and fund supplement with money etc.This difference can be the payment object, payment amount, transfer object, transfer amount of fund, the difference of supplementing the source with money and supplementing amount etc. with money; It wherein mainly can be the payment object difference of fund.
With reference to Fig. 4, said apparatus also comprises: modified module 33 is used to revise the described attribute of configuration.
Above-mentioned payment object, payment amount, transfer object, transfer amount, supplement the source with money and supplement attribute such as amount with money, after configuration, can make amendment by this modified module 33; And can after modification, dynamically come into force.
Above-mentioned payment funding attribute promptly allows the account can be to the fund amount etc. that payment and payment are provided of which businessman's commodity.The transfer of funds attribute of above-mentioned account fund promptly allows fund amount that the fund of this fund account can shift and shift to other which fund account of user etc.; Comprise in addition if Sorry, your ticket has not enough value at the current fund account of user's payment process, whether above-mentioned account fund can transfer to current fund account automatically.Above-mentioned fund is supplemented attribute with money, and promptly which is supplemented the recharge amount of initiating in the source with money and need be saved in the account, samely supplements the source initiates supplement with money and can only finish in same account with money, and the restriction etc. whether amount is arranged.When offering fund account, the mode by configuration defines the various attributes of this fund account, if follow-up the change then dynamically come into force behind the configuration modification.
Transfer of funds flow process between fund account: at first, show all fund account information to the user; Then, between fund account, during the transfer of funds, judge that whether changeed fund account has to the ability that produces the fund account transfer fund, just allows when only having ability to shift.So, can be user-friendly to.
The flow process that fund account is supplemented with money: at first, client is initiated user's charging request to payment platform; Then, payment platform is according to supplementing the source and the ability of supplementing with money of each fund account with money, finds the fund account that can supplement with money and finishes and supplement with money.So, can be user-friendly to.
The inking device of above-mentioned payment platform account by offering a plurality of fund accounts for the payment platform account, and disposes different attributes, and above-mentioned attribute can make amendment, and has strengthened the paying ability of payment platform account, is user-friendly to, and promotes user experience etc.
With reference to Fig. 5, the method for payment of a kind of payment platform account of one embodiment of the invention is proposed.This method comprises:
The Payment Request of step S20, reception client;
Step S21, according to described Payment Request, from a plurality of fund accounts that set in advance, select at least one fund account to pay.
Client is initiated user's Payment Request to payment platform.Payment platform need be according to the information in this Payment Request, selects the user to allow the fund account of paying, and finish payment by the account.Information in this Payment Request comprises information such as the payment businessman's title and the amount of money at least.Only be configured to when then the payment object of above-mentioned Payment Request is for this businessman (comprising this businessman's title in the Payment Request), then to select the fund account payment of this correspondence configuration when a certain businessman pays such as a certain fund account.
With reference to Fig. 6, said method also comprises:
Whether the amount of money of the fund account that step S22, judgement are selected satisfies Payment Request; When satisfying, carry out step S23, otherwise carry out step S24;
Step S23, pay;
Step S24 judges whether other account in a plurality of fund accounts can carry out the transfer of funds; In the time can carrying out, carry out step S25, otherwise finish.
Step S25 pays behind other fund account transfer fund.
When paying, judge at first whether the account amount of money of selected fund account satisfies this Payment Request, then carry out payment as satisfying.If Sorry, your ticket has not enough value for selected fund account of paying, then need to continue to judge whether that other fund account can carry out the transfer of funds from the fund account that trend is paid, if having, then proceed payment by the account.
Above-mentioned other fund account can carry out the judgement of the transfer of funds from the fund account that trend is paid, and can be to judge whether the fund account of paying is the transfer object of this other fund account, and whether the transfer amount meets preset requirement etc.
The method of payment of above-mentioned payment platform account, be provided with the fund account of a plurality of different attributes at the platform payment account after, the user can select to pay with the suitable fund account of Payment Request, and can be when Sorry, your ticket has not enough value at the fund account of paying, from other fund account transfer fund, greatly convenient for users to use, and promoted user experience.
With reference to Fig. 7, the payment mechanism of a kind of payment platform account of one embodiment of the invention is proposed.This device comprises:
Client is initiated user's Payment Request to payment platform, and above-mentioned payment mechanism can utilize receiver module 41 to receive.Then, above-mentioned payment module 42 need be according to the information in this Payment Request, selects the user to allow the fund account of paying, and finish payment by the account.Information in this Payment Request comprises information such as the payment businessman's title and the amount of money at least.Only be configured to when then the payment object of above-mentioned Payment Request is for this businessman (comprising this businessman's title in the Payment Request), then to select the fund account payment of this correspondence configuration when a certain businessman pays such as a certain fund account.
With reference to Fig. 8, said apparatus also comprises judge module 43, is used for: whether the amount of money of judging the fund account of selecting satisfies Payment Request; When satisfying, pay; When not satisfying, judge whether other account in a plurality of fund accounts can carry out the transfer of funds; In the time can carrying out, from other fund account transfer fund.
Above-mentioned judge module 43 judges at first whether the account amount of money of selected fund account satisfies this Payment Request when paying, then carry out payment as satisfying.If Sorry, your ticket has not enough value for selected fund account of paying, then need to continue to judge whether that other fund account can carry out the transfer of funds from the fund account that trend is paid, if having, then proceed payment by the account.
Above-mentioned other fund account can carry out the judgement of the transfer of funds from the fund account that trend is paid, and can be to judge whether the fund account of paying is the transfer object of this other fund account, and whether the transfer amount meets preset requirement etc.
The payment mechanism of above-mentioned payment platform account, be provided with the fund account of a plurality of different attributes at the platform payment account after, the user can select to pay with the suitable fund account of Payment Request, and can be when Sorry, your ticket has not enough value at the fund account of paying, from other fund account transfer fund, greatly convenient for users to use, and promoted user experience.
The above only is the preferred embodiments of the present invention; be not so limit claim of the present invention; every equivalent structure or equivalent flow process conversion that utilizes instructions of the present invention and accompanying drawing content to be done; or directly or indirectly be used in other relevant technical fields, all in like manner be included in the scope of patent protection of the present invention.
Claims (10)
1. the collocation method of a payment platform account is characterized in that, comprises step:
For the payment platform account is provided with a plurality of fund accounts;
With the attribute configuration of at least one fund account for being different from other capital account.
2. the collocation method of payment platform account according to claim 1 is characterized in that, described attribute comprises:
Payment funding, fund flow and fund are supplemented with money.
3. the collocation method of payment platform account according to claim 1 and 2 is characterized in that, described method also comprises:
Revise the described attribute of configuration.
4. the inking device of a payment platform account is characterized in that, comprising:
Account is provided with module, is used to the payment platform account that a plurality of fund accounts are set;
The attribute configuration module is used for attribute configuration with at least one fund account for being different from other capital account.
5. the inking device of payment platform account according to claim 4 is characterized in that, described attribute comprises:
Payment funding, fund flow and fund are supplemented with money.
6. according to the inking device of claim 4 or 5 described payment platform accounts, it is characterized in that described device also comprises:
Modified module is used to revise the described attribute of configuration.
7. the method for payment of a payment platform account is characterized in that, comprises step:
Receive the Payment Request of client;
According to described Payment Request, from a plurality of fund accounts that set in advance, select at least one fund account to pay.
8. the method for payment of payment platform account according to claim 7 is characterized in that, described method also comprises:
Whether the amount of money of judging the fund account of selecting satisfies Payment Request;
When satisfying, pay;
When not satisfying, judge whether other account in a plurality of fund accounts can carry out the transfer of funds; In the time can carrying out, from other fund account transfer fund.
9. the payment mechanism of a payment platform account is characterized in that, comprising:
Receiver module is used to receive the Payment Request of client;
Payment module is used for according to described Payment Request, selects at least one fund account to pay from a plurality of fund accounts that set in advance.
10. the payment mechanism of payment platform account according to claim 9 is characterized in that, described device also comprises judge module, is used for:
Whether the amount of money of judging the fund account of selecting satisfies Payment Request;
When satisfying, pay;
When not satisfying, judge whether other account in a plurality of fund accounts can carry out the transfer of funds; In the time can carrying out, from other fund account transfer fund.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010105647467A CN102034184A (en) | 2010-11-29 | 2010-11-29 | Method and device for configuring payment platform account as well as payment method and payment device |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2010105647467A CN102034184A (en) | 2010-11-29 | 2010-11-29 | Method and device for configuring payment platform account as well as payment method and payment device |
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| CN102034184A true CN102034184A (en) | 2011-04-27 |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103578027A (en) * | 2012-08-07 | 2014-02-12 | 腾讯科技（深圳）有限公司 | Method and device for transferring accounts |
| CN103679449A (en) * | 2013-12-25 | 2014-03-26 | 拉卡拉支付有限公司 | System and method for data processing |
| CN105654279A (en) * | 2016-01-27 | 2016-06-08 | 广州唯品会信息科技有限公司 | Payment platform management method and device |
| CN106022759A (en) * | 2016-06-20 | 2016-10-12 | ***股份有限公司 | Electronic payment method supporting multiple accounts |
| CN106559307A (en) * | 2015-09-24 | 2017-04-05 | 宇龙计算机通信科技(深圳)有限公司 | A kind of data interactive method and device |
| CN106600254A (en) * | 2016-12-16 | 2017-04-26 | 天脉聚源（北京）科技有限公司 | User's multi-account management method and device |
| WO2017219807A1 (en) * | 2016-06-20 | 2017-12-28 | ***股份有限公司 | Mobile terminal-based payment method |
| CN111242596A (en) * | 2020-04-14 | 2020-06-05 | 傲林科技有限公司 | Electronic account, management method and establishment method |
-
2010
- 2010-11-29 CN CN2010105647467A patent/CN102034184A/en active Pending
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103578027A (en) * | 2012-08-07 | 2014-02-12 | 腾讯科技（深圳）有限公司 | Method and device for transferring accounts |
| CN103679449A (en) * | 2013-12-25 | 2014-03-26 | 拉卡拉支付有限公司 | System and method for data processing |
| CN106559307A (en) * | 2015-09-24 | 2017-04-05 | 宇龙计算机通信科技(深圳)有限公司 | A kind of data interactive method and device |
| CN105654279A (en) * | 2016-01-27 | 2016-06-08 | 广州唯品会信息科技有限公司 | Payment platform management method and device |
| CN106022759A (en) * | 2016-06-20 | 2016-10-12 | ***股份有限公司 | Electronic payment method supporting multiple accounts |
| WO2017219807A1 (en) * | 2016-06-20 | 2017-12-28 | ***股份有限公司 | Mobile terminal-based payment method |
| TWI681346B (en) * | 2016-06-20 | 2020-01-01 | 大陸商中國銀聯股份有限公司 | Mobile terminal payment method |
| CN106600254A (en) * | 2016-12-16 | 2017-04-26 | 天脉聚源（北京）科技有限公司 | User's multi-account management method and device |
| CN111242596A (en) * | 2020-04-14 | 2020-06-05 | 傲林科技有限公司 | Electronic account, management method and establishment method |
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Application publication date: 20110427 |