CN111985919A - Payment data processing method and device and electronic equipment - Google Patents
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
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- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
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Abstract
The embodiment of the specification discloses a method and a device for processing payment data and electronic equipment, and the scheme of the embodiment is applied to a payment mechanism and specifically can include: and if the payment data of the first user account to the second user account comprises equivalent payment resources obtained based on the equity, acquiring an issuer identification of the equity, and generating a first payment certificate containing the issuer identification and the equivalent payment resources, wherein the first payment certificate represents that the issuer of the equity pays the equivalent payment resources to the second user account.
Description
Technical Field
The embodiment of the specification relates to the technical field of computers, in particular to a payment data processing method and device and electronic equipment.
Background
Typically, payment will be involved in the transaction. Current payment means include cash payments, and deductions from a user's financial or other payment account, as well as payments made with equity. The equity may be converted or redeemed into an equivalent payment resource for the actual payment activity.
Disclosure of Invention
In view of this, embodiments of the present specification provide a payment data processing method and apparatus for improving user experience, and an electronic device.
The embodiment of the specification adopts the following technical scheme:
an embodiment of the present specification provides a payment data processing method, which is applied to a payment mechanism, and includes:
determining payment data of a first user account to a second user account, wherein the payment data comprises equivalent payment resources obtained based on rights and interests;
acquiring an issuer identification of the rights and interests;
generating a first payment credential comprising the issuer identification and the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account.
An embodiment of the present specification further provides a payment data processing method, which is applied to an issuer of a right and interest, and includes:
receiving a rights exchange request from a payment authority;
redeeming the equity into an equivalent payment resource;
sending the equivalent payment resource to the payment authority;
receiving a first payment credential from the payment authority, the first payment credential including an issuer identification of the equity and the equivalent payment resource, the first payment credential generated by the payment authority performing a payment operation from the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account.
An embodiment of the present specification further provides a payment data processing apparatus, which is applied to a payment mechanism, and includes:
the determining module is used for determining payment data of a first user account to a second user account, wherein the payment data comprises equivalent payment resources obtained based on rights and interests;
the acquisition module acquires the issuer identification of the rights and interests;
and the payment certificate generation module is used for generating a first payment certificate containing the issuer identification and the equivalent payment resource, wherein the first payment certificate represents that the issuer of the rights and interests pays the equivalent payment resource to the second user account.
An embodiment of the present specification further provides a payment data processing apparatus, which is applied to a rights issuer, and includes:
a request receiving module that receives a rights exchange request from a payment authority;
the exchange module exchanges the rights and interests into equivalent payment resources;
the sending module is used for sending the equivalent payment resources to the payment mechanism;
and the payment certificate receiving module is used for receiving a first payment certificate from the payment mechanism, wherein the first payment certificate comprises the issuer identification of the equity and the equivalent payment resource, the first payment certificate is generated by the payment mechanism according to the payment operation of the equivalent payment resource, and the issuer of the equity is characterized to pay the equivalent payment resource to the second user account.
An embodiment of the present specification further provides an electronic device, including:
a processor; and a memory configured to store a computer program that, when executed, causes the processor to:
determining payment data of a first user account to a second user account, wherein the payment data comprises equivalent payment resources obtained based on rights and interests;
acquiring an issuer identification of the rights and interests;
generating a first payment credential comprising the issuer identification and the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account.
An embodiment of the present specification further provides an electronic device, including:
a processor; and a memory configured to store a computer program that, when executed, causes the processor to:
receiving a rights exchange request from a payment authority;
redeeming the equity into an equivalent payment resource;
sending the equivalent payment resource to the payment authority;
receiving a first payment credential from the payment authority, the first payment credential including an issuer identification of the equity and the equivalent payment resource, the first payment credential generated by the payment authority performing a payment operation from the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account.
The embodiment of the specification adopts at least one technical scheme which can achieve the following beneficial effects:
if the payment data of the first user account to the second user account comprises the equity, acquiring an issuer identification of the equity, and generating a first payment certificate containing the issuer identification and the equivalent payment resource, so that the issuer of the equity is represented by the first payment certificate to pay the equivalent payment resource to the second user account, but the first user account directly pays out to pay the equivalent payment resource to the second user account.
Since the payment between the first user account and the second user account needs to pass through the payment mechanism, the embodiment of the present specification proposes that the payment mechanism replaces a specific seller (for example, a merchant corresponding to the second user account) to generate the first payment credential, which enables the issuer of the rights and interests to obtain the payment credential for the normal payment of the issuer of the rights and interests to prove the normal payment of the issuer of the rights and interests, thereby improving the user experience of the issuer of the rights and interests in the business activities.
Drawings
The accompanying drawings, which are included to provide a further understanding of the embodiments of the specification and are incorporated in and constitute a part of this specification, illustrate exemplary embodiments of the specification and together with the description serve to explain the application and not to limit the application. In the drawings:
fig. 1 is a flowchart of a payment data processing method according to an embodiment of the present disclosure;
FIG. 2 is a flowchart of an application example for step 101 in FIG. 1 according to an embodiment of the present disclosure;
fig. 3 is a flowchart of a payment data processing method according to an embodiment of the present disclosure;
fig. 4 is a flowchart of a payment data processing method proposed in an embodiment of the present specification;
fig. 5 is a flowchart of an alternative example of a payment data processing method proposed in an embodiment of the present specification;
fig. 6 is a block diagram of a payment data processing apparatus according to an embodiment of the present disclosure;
fig. 7 is a block diagram of a payment data processing apparatus according to an embodiment of the present disclosure;
fig. 8 is a schematic diagram illustrating a more specific hardware structure of a computing device according to an embodiment of the present disclosure.
Detailed Description
Analysis of the prior art reveals that the rights are typically issued by a specific buyer and a third party other than the seller and obtained by the buyer, which the buyer uses for payment. The seller then issues payment credentials to the buyer based on the actual payment value. In this transaction, although there is no actual transaction between the seller and the third party to which the right-interest belongs, the third party to which the right-interest belongs actually pays the equivalent payment resource of the right-interest, but the third party cannot actually get the payment certificate from the buyer or the seller.
The embodiment of the present specification provides a method and an apparatus for processing payment data, and an electronic device, where the scheme of the embodiment is applied to a payment mechanism, and specifically may include: if the payment data of the first user account to the second user account comprises the equity, acquiring an issuer identification of the equity, and generating a first payment certificate containing the issuer identification and the equivalent payment resource, so that the issuer of the equity is represented by the first payment certificate to pay the equivalent payment resource to the second user account, but the first user account directly pays out to pay the equivalent payment resource to the second user account.
In order to make the objects, technical solutions and advantages of the present application more clear, the technical solutions of the present application will be clearly and completely described below with reference to the specific embodiments of the present specification and the accompanying drawings. It is to be understood that the embodiments described are only a few embodiments of the present disclosure, and not all embodiments. All other embodiments obtained by a person skilled in the art based on the embodiments in the present specification without any inventive step are within the scope of the present application.
The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.
Fig. 1 is a flowchart of a payment data processing method proposed in an embodiment of the present specification, which is applied to a payment institution, that is, an execution subject of the method proposed in the embodiment of the present specification is the payment institution. The payment mechanism is a payment medium between the buyer and the seller and is responsible for deducting payment from the buyer to the seller. The method specifically comprises the following steps:
step 101: determining payment data for a first user account to a second user account, the payment data including equivalent payment resources for a benefit paid to the second user account.
Step 103: an issuer identification of the rights is obtained.
Step 105: generating a first payment credential comprising the issuer identification and the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account.
In this embodiment of the present specification, the payment data is generated by transferring the payment of the corresponding payment resource from the first user account to the second user account nominally during the transaction, and the second user account actually receives the actual payment resource. From the application scenario, the first user account may refer to a buyer side, and the second user account may refer to a seller side. Specifically, the first user account and the second user account may be a payment account opened in a payment institution or a transaction account opened in a commodity transaction platform, and are not limited specifically herein.
In this case, step 101 may be performed with reference to the embodiment shown in fig. 2;
step 202: receiving a payment request, wherein the payment request requests payment to the second user account through the first user account;
step 204: upon receiving a payment request, determining a rights and interests associated with the first user account;
step 206: obtaining an equivalent payment resource of the rights and interests;
step 208: transferring the equivalent payment resource to the second user account.
The payment request implies a stage in the transaction where the payment is a consideration paid for the purchase of goods or services. The payment request can be sent to a server corresponding to the payment mechanism by a server corresponding to the transaction platform. In practice, the payment request may include a first user account and a second user account, where the first user account is a payer and the second user account is a payee.
In an application scenario, a related user of a first user account browses a commodity interface related to a second user account by using a client, and submits commodity order information based on commodity information; and the server corresponding to the client sends a payment request to a server of the payment mechanism according to the commodity order information, so that the payment mechanism executes payment operation according to the payment request, namely, the payment is deducted from the first user account to pay the second user account. In this case, the payment authority may refer to a third party payment authority.
The payment institution may also be a financial institution such as a bank, and is not particularly limited herein.
In this embodiment of the present specification, the payment request is a request for making a payment to the second user account through the first user account, and at this time, it may be further determined whether the first user account has an associated right and interest, so as to determine the right and interest associated with the first user account, and specifically, at least one of the following steps may be included:
if the right is carried by the payment request, the right can be extracted from the payment request;
or, the database may be queried by using the first user account to obtain the rights associated with the first user account. The database may be a database corresponding to the payment mechanism. The two steps can be selected from one step or can be performed in sequence, but the sequence is not divided into two.
In the embodiment of the present specification, the equity refers to asset data that can be converted or exchanged into equivalent payment resources, and the specific form may be a credit, a red packet, or a voucher or other forms, which are not limited in detail herein. Wherein the equivalent payment resource may be currency or equivalent traffic, and is not particularly limited herein.
In particular, the embodiment of the present specification proposes two alternative embodiments for obtaining the equivalent payment resource of the right.
In one embodiment, if the payment authority is a different principal than the issuer of the equity, the equity may be sent to the issuer of the equity requesting that the issuer of the equity exchange the equity for the equivalent payment resource; and receiving the equivalent payment resource sent by the issuer of the equity so as to achieve the purpose of obtaining the equivalent payment resource of the equity.
In this case, the issuer of the equity may be a financial institution, such as a bank or other third party payment institution. Specifically, the equity is sent to an issuing financial institution of the equity to request the issuing financial institution to redeem the equity for the equivalent payment resource.
The issuer of the equity may also be the issuer of a non-financial institution, a coupon or voucher or other equity. At this time, the issuer of the rights and interests may also be the second user account, specifically, the merchant account corresponding to the second user account.
In another embodiment, if the issuer of the equity and the payment institution are the same main body, the payment institution redeems the equity into the equivalent payment resource according to the equivalence relation between the equity and the equivalent payment resource, so as to achieve the purpose of obtaining the equivalent payment resource of the equity.
In this case, the payment authority may query its own database for the equivalence relationship between the equity and the equivalent payment resource to determine the equivalent payment resource. In this case, the rights and interests may be stored in the payment mechanism database and associated with the first user account, or may be issued by the payment mechanism and carried in the payment request by the first user account, which is not limited herein.
In addition, the rights and interests stated in the embodiment of the present specification can also be associated with the second user account or the seller account corresponding to the second user account, and the purpose of the association is to enable the rights and interests to be used for transaction payment of the second user account. In this way, the payment authority may determine whether the equity is available for the current payment based on the second user account prior to transferring the equivalent payment resources to the second user account. If so, transferring the equivalent payment resource to the second user account; otherwise, the payment is refused.
In this embodiment, step 103 is executed, and the issuer identifier of the right can be extracted from the right. Specifically, the information of the rights may include an issuer identification and a specific rights value, so that the issuer identification can be extracted. The interest value refers to a specific value of the interest, such as a credit value, a red envelope amount, a discount amount, etc., and is not limited herein.
In this case, by extracting the issuer id of the equity, it can be determined whether the issuer id and the payment mechanism are the same mechanism, and then a specific process of acquiring the equivalent payment resource is performed, specifically referring to the above embodiment.
Once the equivalent payment resources are obtained, specific payment operations may be performed and payment data generated. By performing step 105, specifically, by using the issuer identification and the equivalent payment resource, a first payment credential is generated from the payment credential template. Specifically, the issuer identification of the right is loaded at the payment position of the payment voucher template, the equivalent payment resource of the right is loaded at the payment amount position, and finally the first payment voucher is obtained.
In addition, the first payment credential may also include a second user account or an identification thereof. Specifically, the identifier of the second user account is loaded at the position of the collection position of the payment certificate template, so that the second user account or the identifier information thereof is displayed in the first payment certificate.
The first payment certificate may take the form of an electronic invoice, or other electronic certificate, and is not particularly limited herein.
In this embodiment of the present specification, if the issuer of the equity and the payment authority belong to two different entities, the first payment certificate may be sent to the issuer of the equity and the user to which the second user account belongs, so that the issuer of the equity may prove its actual expenditure based on the first payment certificate.
If the issuer of the equity and the payment authority belong to two same entities, the payment authority may store the first payment credential and send the first payment credential to the user to which the second user account belongs.
With the embodiment of the present disclosure, since the payment activity between the first user account and the second user account needs to pass through the payment mechanism, the embodiment of the present disclosure proposes that the payment mechanism replaces a specific seller (for example, a merchant corresponding to the second user account) to generate the first payment credential, so that the issuer of the rights and interests can obtain the payment credential for the normal payment of the issuer of the rights and interests to prove the normal payment of the issuer of the rights and interests, and the user experience of the issuer of the rights and interests in the business activity is improved.
The first payment credential includes the first user account or a transaction account identifier corresponding to the first user account, which is not limited specifically herein.
The embodiment of the present specification further provides an alternative embodiment, which is shown in fig. 3, and the specific scheme is as follows:
step 301: determining payment data from a first user account to a second user account, wherein the payment data comprises equivalent payment resources of rights and interests and account balance resources transferred from the first user account, and the account balance resources and the equivalent payment resources form the payment data.
Step 303: an issuer identification of the equity is obtained.
Step 305: generating a first payment credential comprising an issuer identification and equivalent payment resources, and further generating a second payment credential comprising a first user account and account balance resources, the second payment credential characterizing that the first user account pays the account balance resources to the second user account.
The second user account actually receives two payments, namely equivalent payment resources and account balance resources, and the two payment resources are the same in type and have actual transaction value. While the first user account actually pays for the account balance resources and the issuer of the equity actually pays for the equivalent payment resources.
In this case, the second payment credentials may be sent to the user to which the first user account belongs and the user to which the second user account belongs. In fact, the user to which the first user account belongs and the user to which the second user account belongs may specifically refer to a user mailbox, a mobile phone number, or other forms, and are not specifically limited herein.
And the payee is the second user account in the first payment certificate and the second payment certificate. Thus, both the first payment credential and the second payment credential may be sent to the second user account, which may attest to the actual revenue of the second user account.
In addition, when the payment institution and the rights issuer are different entities, the embodiment of the present specification also proposes a method as shown in fig. 4, which executes that the entity is the rights issuer, so that the method is applied to the rights issuer.
Step 402: a rights redemption request is received from a payment authority. The equity redemption request may include an equity.
Step 404: and exchanging the rights and interests into equivalent payment resources. In fact, the equity may include the equivalent payment resource that the equity value can be converted into, so the equivalent payment resource can be directly determined according to the equity.
If the equity does not contain the equivalent payment resource, the corresponding equivalent payment resource can be inquired from the local database by using the identification information of the equity.
Step 406: and sending the equivalent payment resource to the payment mechanism. In this way, the payment mechanism may perform the payment operation by using the equivalent payment resource, which is specifically referred to the embodiments shown in fig. 1 to fig. 3 above and will not be described herein again.
Step 408: receiving a first payment credential from the payment authority, the first payment credential including an issuer identification of the equity and the equivalent payment resource, the first payment credential generated by the payment authority performing a payment operation from the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account.
Specifically, a communication connection may be established between the server of the payment authority and the server of the equity issuer such that the server of the payment authority sends an equity redemption request to the server of the equity issuer based on the communication connection, and the server of the equity issuer receives the first payment credential from the server of the payment authority.
The equity issuer can determine the equivalent payment resource of the equity according to the corresponding relation between the equity value and the equivalent payment resource, and the corresponding relation is stored in the database of the equity issuer in advance.
Fig. 5 is a flowchart of an alternative example of a payment data processing method proposed in an embodiment of the present specification. Where merchant a may correspond to an example of a rights issuer in the embodiments shown in fig. 1-4, buyer B is an example of a first user account in the embodiments shown in fig. 1-4, and buyer B obtains a 10-member package issued by seller a, where the 10-member package may be an example of a rights.
In the payment phase, buyer B needs to pay 20 dollars to seller C and 30 dollars to seller D, for a total of 50 dollars. At this time, the payment institution acquires the 10-yuan red packet and the bank card account provided by buyer B;
the payment institution extracts 30-element card balance from the bank card account through a bank card issuing bank and simultaneously acquires 10 elements converted by bank card points, wherein the bank card points are also an example of rights and interests;
the payment mechanism pays seller C with equivalent 10-element bank card balance converted by bank card points and 10-element bank card balance, and pays seller D with 10-element red envelope and 20-element bank card balance.
In the invoice generation stage:
the payment mechanism replaces the seller C, generates a first invoice according to the fact that the seller C actually collects the balance of the bank card of the buyer B by 10 yuan, and feeds the first invoice back to the buyer B; and
and generating a second invoice according to the equivalent 10 yuan of the bank card score paid by the bank card issuing bank actually received by the seller C, and feeding the second invoice back to the issuing bank.
The payment mechanism replaces the seller D, and generates a third invoice according to the fact that the seller D actually collects the balance of the bank card of the buyer B by 20 yuan, and feeds the third invoice back to the buyer B; and
and generating a fourth invoice according to the fact that the seller D actually receives the 10 Yuan red packet paid by the seller A, and feeding the fourth invoice back to the seller A.
An invoice is an alternative embodiment of a payment invoice.
Fig. 6 also provides a schematic structural diagram of a payment data processing apparatus, which is applied to a payment mechanism, and specifically includes:
the determining module 601 is configured to determine payment data from a first user account to a second user account, where the payment data includes equivalent payment resources obtained based on rights and interests;
an obtaining module 602, configured to obtain an issuer identifier of the rights and interests;
the payment credential generating module 603 is configured to generate a first payment credential including the issuer identifier and the equivalent payment resource, where the first payment credential represents that the issuer of the right and interest pays the equivalent payment resource to the second user account.
Optionally, determining payment data of the first user account to the second user account comprises:
receiving a payment request, wherein the payment request requests payment to the second user account through the first user account;
upon receiving the payment request, determining the rights and interests associated with the first user account;
obtaining an equivalent payment resource of the rights and interests;
transferring the equivalent payment resource to the second user account.
Optionally, if the payment authority is a different principal than the issuer of the equity, obtaining equivalent payment resources for the equity, including:
sending the equity to an issuer of the equity to request that the issuer of the equity redeem the equity for the equivalent payment resource;
and receiving the equivalent payment resource sent by the issuer of the interest.
Optionally, if the issuer of the equity and the payment authority are the same principal, obtaining equivalent payment resources of the equity includes:
and according to the equivalence relation between the equity and the equivalent payment resource, the payment mechanism exchanges the equity into the equivalent payment resource.
Based on the same inventive concept, an embodiment of the present specification further provides an electronic device, including:
a processor; and a memory configured to store a computer program that, when executed, causes the processor to:
determining payment data of a first user account to a second user account, wherein the payment data comprises equivalent payment resources obtained based on rights and interests;
acquiring an issuer identification of the rights and interests;
generating a first payment credential comprising the issuer identification and the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account.
Based on the same inventive concept, there is also provided in the embodiments of this specification a computer-readable storage medium comprising a computer program for use with an electronic device, the computer program being executable by a processor to perform the steps of:
determining payment data of a first user account to a second user account, wherein the payment data comprises equivalent payment resources obtained based on rights and interests;
acquiring an issuer identification of the rights and interests;
generating a first payment credential comprising the issuer identification and the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account.
Fig. 7 is a schematic structural diagram of a payment data processing apparatus, which is applied to an issuer of rights and interests, and specifically includes:
a request receiving module 701, which receives a rights exchange request from a payment institution;
a redemption module 702 that sends the equivalent payment resource to the payment authority;
a sending module 703, configured to send the equivalent payment resource to the payment mechanism, and the payment mechanism performs a payment operation using the equivalent payment resource;
a payment credential receiving module 704 that receives a first payment credential of the equivalent payment resource from the payment authority, the first payment credential being generated by the payment authority according to the equivalent payment resource and using the identifier of the equity issuer and the equivalent payment resource according to a payment result, the first payment credential characterizing that a payer who pays the equivalent payment resource to the second user account is the identifier of the equity issuer.
Based on the same inventive concept, an embodiment of the present specification further provides an electronic device, including:
a processor; and a memory configured to store a computer program that, when executed, causes the processor to:
receiving a rights exchange request from a payment authority;
redeeming the equity into an equivalent payment resource;
sending the equivalent payment resource to the payment authority;
receiving a first payment credential from the payment authority, the first payment credential including an issuer identification of the equity and the equivalent payment resource, the first payment credential generated by the payment authority performing a payment operation from the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account.
Based on the same inventive concept, there is also provided in the embodiments of this specification a computer-readable storage medium comprising a computer program for use with an electronic device, the computer program being executable by a processor to perform the steps of:
receiving a rights exchange request from a payment authority;
redeeming the equity into an equivalent payment resource;
sending the equivalent payment resource to the payment authority;
receiving a first payment credential from the payment authority, the first payment credential including an issuer identification of the equity and the equivalent payment resource, the first payment credential generated by the payment authority performing a payment operation from the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account.
Fig. 8 is a schematic diagram illustrating a more specific hardware structure of a computing device according to an embodiment of the present disclosure, where the computing device may include: a processor 1010, a memory 1020, an input/output interface 1030, a communication interface 1040, and a bus 1050. Wherein the processor 1010, memory 1020, input/output interface 1030, and communication interface 1040 are communicatively coupled to each other within the device via bus 1050.
The processor 1010 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits, and is configured to execute related programs to implement the technical solutions provided in the embodiments of the present disclosure.
The Memory 1020 may be implemented in the form of a ROM (Read Only Memory), a RAM (Random access Memory), a static storage device, a dynamic storage device, or the like. The memory 1020 may store an operating system and other application programs, and when the technical solution provided by the embodiments of the present specification is implemented by software or firmware, the relevant program codes are stored in the memory 1020 and called to be executed by the processor 1010.
The input/output interface 1030 is used for connecting an input/output module to input and output information. The i/o module may be configured as a component in a device (not shown) or may be external to the device to provide a corresponding function. The input devices may include a keyboard, a mouse, a touch screen, a microphone, various sensors, etc., and the output devices may include a display, a speaker, a vibrator, an indicator light, etc.
The communication interface 1040 is used for connecting a communication module (not shown in the drawings) to implement communication interaction between the present apparatus and other apparatuses. The communication module can realize communication in a wired mode (such as USB, network cable and the like) and also can realize communication in a wireless mode (such as mobile network, WIFI, Bluetooth and the like).
It should be noted that although the above-mentioned device only shows the processor 1010, the memory 1020, the input/output interface 1030, the communication interface 1040 and the bus 1050, in a specific implementation, the device may also include other components necessary for normal operation. In addition, those skilled in the art will appreciate that the above-described apparatus may also include only those components necessary to implement the embodiments of the present description, and not necessarily all of the components shown in the figures.
In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.
The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable payment data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable payment data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable payment data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable payment data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.
Claims (19)
1. A payment data processing method is applied to a payment mechanism and comprises the following steps:
determining payment data of a first user account to a second user account, wherein the payment data comprises equivalent payment resources obtained based on rights and interests;
acquiring an issuer identification of the rights and interests;
generating a first payment credential comprising the issuer identification and the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account.
2. The method of claim 1, determining payment data for the first user account to the second user account, comprising:
receiving a payment request, wherein the payment request requests payment to the second user account through the first user account;
upon receiving the payment request, determining the rights and interests associated with the first user account;
obtaining an equivalent payment resource of the rights and interests;
transferring the equivalent payment resource to the second user account.
3. The method of claim 2, wherein obtaining the equivalent payment resource for the equity if the payment authority is a different principal than the issuer of the equity, comprises:
sending the equity to an issuer of the equity to request that the issuer of the equity redeem the equity for the equivalent payment resource;
and receiving the equivalent payment resource sent by the issuer of the interest.
4. The method of claim 3, sending the equity to an issuer of the equity, comprising:
sending the equity to an issuing financial institution of the equity to request the issuing financial institution to redeem the equity for the equivalent payment resource.
5. The method of claim 2, wherein obtaining the equivalent payment resource of the equity if the issuer of the equity and the payment authority are the same principal, comprises:
and according to the equivalence relation between the equity and the equivalent payment resource, the payment mechanism exchanges the equity into the equivalent payment resource.
6. The method of claim 2, wherein determining the rights associated with the first user account comprises at least one of:
querying a database by using the first user account to obtain the rights and interests associated with the first user account;
and if the right is carried by the payment request, extracting the right from the payment request.
7. The method of claim 1, obtaining an issuer identification of the equity, comprising:
an issuer identification of the equity is extracted from the equity.
8. The method of claim 1, further comprising account balance resources transferred from the first user account in the payment data, the account balance resources and the equivalent payment resources comprising the payment data.
9. The method of claim 8, further comprising:
generating a second payment credential comprising the first user account and account balance resources, the second payment credential characterizing the first user account paying the account balance resources to the second user account.
10. The method of claim 9, further comprising:
and sending the second payment credential to the user to which the first user account belongs and the user to which the second user account belongs.
11. The method of claim 1, further comprising:
and sending the first payment certificate to the issuer of the rights and interests and the user to which the second user account belongs.
12. A payment data processing method applied to an issuer of a rights and interests, comprising:
receiving a rights exchange request from a payment authority;
redeeming the equity into an equivalent payment resource;
sending the equivalent payment resource to the payment authority;
receiving a first payment credential from the payment authority, the first payment credential including an issuer identification of the equity and the equivalent payment resource, the first payment credential generated by the payment authority performing a payment operation from the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account.
13. A payment data processing device applied to a payment mechanism comprises:
the determining module is used for determining payment data of a first user account to a second user account, wherein the payment data comprises equivalent payment resources obtained based on rights and interests;
the acquisition module acquires the issuer identification of the rights and interests;
and the payment certificate generation module is used for generating a first payment certificate containing the issuer identification and the equivalent payment resource, wherein the first payment certificate represents that the issuer of the rights and interests pays the equivalent payment resource to the second user account.
14. The apparatus of claim 13, determining payment data for a first user account to a second user account, comprising:
receiving a payment request, wherein the payment request requests payment to the second user account through the first user account;
upon receiving the payment request, determining the rights and interests associated with the first user account;
obtaining an equivalent payment resource of the rights and interests;
transferring the equivalent payment resource to the second user account.
15. The apparatus of claim 14, wherein if the payment authority is a different principal than the issuer of the equity, obtaining equivalent payment resources for the equity comprises:
sending the equity to an issuer of the equity to request that the issuer of the equity redeem the equity for the equivalent payment resource;
and receiving the equivalent payment resource sent by the issuer of the interest.
16. The apparatus of claim 14, wherein if the issuer of the equity and the payment authority are the same principal, obtaining equivalent payment resources for the equity comprises:
and according to the equivalence relation between the equity and the equivalent payment resource, the payment mechanism exchanges the equity into the equivalent payment resource.
17. A payment data processing apparatus applied to an issuer of a rights and interests, comprising:
a request receiving module that receives a rights exchange request from a payment authority;
the exchange module exchanges the rights and interests into equivalent payment resources;
the sending module is used for sending the equivalent payment resources to the payment mechanism;
and the payment certificate receiving module is used for receiving a first payment certificate from the payment mechanism, wherein the first payment certificate comprises the issuer identification of the equity and the equivalent payment resource, the first payment certificate is generated by the payment mechanism according to the payment operation of the equivalent payment resource, and the issuer of the equity is characterized to pay the equivalent payment resource to the second user account.
18. An electronic device, comprising:
a processor; and a memory configured to store a computer program that, when executed, causes the processor to:
determining payment data of a first user account to a second user account, wherein the payment data comprises equivalent payment resources obtained based on rights and interests;
acquiring an issuer identification of the rights and interests;
generating a first payment credential comprising the issuer identification and the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account.
19. An electronic device, comprising:
a processor; and a memory configured to store a computer program that, when executed, causes the processor to:
receiving a rights exchange request from a payment authority;
redeeming the equity into an equivalent payment resource;
sending the equivalent payment resource to the payment authority;
receiving a first payment credential from the payment authority, the first payment credential including an issuer identification of the equity and the equivalent payment resource, the first payment credential generated by the payment authority performing a payment operation from the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account.
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| CN202010778986.0A CN111985919B (en) | 2020-08-05 | 2020-08-05 | Payment data processing method and device and electronic equipment |
| CN202410124437.XA CN118014576A (en) | 2020-08-05 | 2020-08-05 | Payment data processing method and device and electronic equipment |
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| CN111985919B (en) | 2023-12-15 |
| CN118014576A (en) | 2024-05-10 |
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