CN112101929A - Cooperative payment method, system, storage medium and cooperative payment platform - Google Patents
Cooperative payment method, system, storage medium and cooperative payment platform Download PDFInfo
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Abstract
The invention provides a cooperative payment method, a system, a storage medium and a cooperative payment platform, comprising the following steps: receiving a payment request based on a group account, and acquiring a plurality of subject accounts associated with the group account; splitting the payment request into a plurality of branch sub-orders, each branch sub-order being associated with one subject account; and acquiring the payment state of each main account to the associated branch sub-order, and generating a payment result. The cooperative payment method, the system, the storage medium and the cooperative payment platform can complete the payment of the same order through a plurality of independent main accounts based on an asynchronous cooperative mode, can perform real-time message cooperation, and greatly improves the convenience of electronic payment.
Description
Technical Field
The invention relates to the technical field of digital communication, in particular to a cooperative payment method, a cooperative payment system, a storage medium and a cooperative payment platform.
Background
Network payment and mobile payment are public products necessary for daily life of people. The payment process is a common payment process in a single-user consumption scene, and comprises the steps of issuing a payment request by a merchant platform, generating a bill by the payment platform to start payment, and finishing payment by a terminal user through APP interaction.
In the prior art, the electronic account generally has functions of binding real-name fund accounts, managing personal points and electronic bills and the like. The electronic accounts cannot share and bind the same fund account, cannot manage the fund of the same account in a cooperative authorization mode, cannot cooperatively consume and pay, cannot share points, cannot share credits, cannot give electronic bill information integrated by the accounts, and the like. This results in an inability to meet the demand for an electronic share payment consumption scenario in units of a basic organization such as a home.
Disclosure of Invention
In view of the above drawbacks of the prior art, an object of the present invention is to provide a cooperative payment method, system, storage medium and cooperative payment platform, which can complete payment of the same order through multiple independent principal accounts based on an asynchronous cooperative manner, and can perform real-time message cooperation, thereby greatly improving convenience of electronic payment.
To achieve the above and other related objects, the present invention provides a cooperative payment method, comprising the steps of: receiving a payment request based on a group account, and acquiring a plurality of subject accounts associated with the group account; splitting the payment request into a plurality of branch sub-orders, each branch sub-order being associated with one subject account; and acquiring the payment state of each main account to the associated branch sub-order, and generating a payment result.
In an embodiment of the present invention, splitting the payment request into a plurality of branch sub-orders includes the following steps:
acquiring point information and consumption coupon information of the plurality of main body accounts;
calculating a final payment amount based on the payment amount of the payment request, the point information, and the coupon information;
and dividing the final payment amount into a plurality of sub-payment amounts based on a preset rule, wherein each sub-payment amount is associated with one main account to form a branch sub-order.
In an embodiment of the present invention, the preset rule includes one or more of the following combinations:
presetting a payment amount distribution proportion;
presetting the payment amount distribution number and the main account distribution priority;
and presetting a payment subject account.
In an embodiment of the present invention, the method further includes setting a payment timeout time for each branch sub-order; and if the corresponding branch sub-order does not finish payment within the payment overtime, sending the branch sub-order payment failure information to other main body accounts for payment of the other main body accounts.
In an embodiment of the present invention, when one or more main accounts fail to pay the corresponding branch sub-order, the main accounts that have already paid are returned to the sub-payment amount.
In an embodiment of the present invention, the method further includes constructing a global payment transaction coordinator for the payment request, and constructing a branch transaction controller for each branch sub-order; managing corresponding branch sub-orders based on the branch transaction controllers, and managing each branch transaction controller based on the global payment transaction coordinator to achieve payment management of the payment order.
Correspondingly, the invention provides a cooperative payment system, which comprises an acquisition module, a splitting module and a generation module;
the acquisition module is used for receiving a payment request based on a group account and acquiring a plurality of main body accounts associated with the group account;
the splitting module is used for splitting the payment request into a plurality of branch sub-orders, wherein each branch sub-order is associated with a main account;
the generation module is used for acquiring the payment state of each main account to the associated branch sub-order and generating a payment result.
The present invention provides a storage medium having stored thereon a computer program which, when executed by a processor, implements the above-described cooperative payment method.
The invention provides a cooperative payment platform, comprising: a processor and a memory;
the memory is used for storing a computer program;
the processor is used for executing the computer program stored in the memory so as to enable the cooperative payment platform to execute the cooperative payment method.
Finally, the invention provides a cooperative payment system, which comprises the cooperative payment platform, a merchant platform, a group account platform, a payment platform and a payment terminal;
the merchant platform is used for generating a payment request based on the group account and sending the payment request to the cooperative payment platform;
the group account platform is used for providing main account information related to the group account and sending the main account information to the cooperative payment platform;
and the payment terminal is used for carrying out payment processing based on the payment platform according to the branch sub-order sent by the cooperative payment platform.
In an embodiment of the present invention, the cooperative payment platform is embedded in the merchant platform or the payment platform.
In an embodiment of the invention, the cooperative payment platform is embedded in the group account platform.
In an embodiment of the present invention, the cooperative payment platform is embedded in the payment terminal.
As described above, the cooperative payment method, system, storage medium and cooperative payment platform of the present invention have the following advantages:
(1) the asynchronous cooperative payment participated by multiple subjects can be realized based on the group account and an information service system thereof, so that the application scene of cooperative fund management and cooperative payment taking similar families/groups/communities/supply chains as units is suitable and supported, and a solution is provided for solving the complex requirements of cooperative management, cooperative consumption, cooperative payment, cooperative settlement/clearing, cooperative reconciliation and the like among a plurality of electronic accounts;
(2) the payment scene and the consumption experience of multi-person cooperation of the existing consumption end are enriched; for the enterprise supply chain scene which is more and more refined and automated by division of labor, the establishment of intelligent cooperative payment among a plurality of main enterprises on the whole supply chain based on agreed rules and conditions is facilitated, the labor cost and the interference are reduced, and the overall operation efficiency of capital is improved;
(3) the system can be in butt joint with the existing network payment system based on the existing electronic account and payment interface, the user experience can realize smooth transfer, and the construction, operation and popularization cost is low.
Drawings
FIG. 1 is a schematic diagram of an application framework of the cooperative payment method according to an embodiment of the invention;
FIG. 2 is a flow chart illustrating a cooperative payment method according to an embodiment of the present invention;
FIG. 3 is a block diagram of a collaborative payment method according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of a cooperative payment system according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of a cooperative payment platform according to an embodiment of the present invention;
FIG. 6 is a schematic diagram of a cooperative payment system according to another embodiment of the present invention;
FIG. 7 is a block diagram of the collaborative payment system of FIG. 6 in an embodiment;
FIG. 8 is a block diagram of the collaborative payment system of FIG. 6 in another embodiment;
fig. 9 is a schematic diagram of a framework of the cooperative payment system of fig. 6 in a further embodiment.
Description of the element reference numerals
41 acquisition module
42 splitting module
43 Generation module
51 processor
52 memory
61 cooperative payment platform
62 Merchant platform
63 group account platform
64 Payment platform
65 Payment terminal
Detailed Description
The embodiments of the present invention are described below with reference to specific embodiments, and other advantages and effects of the present invention will be easily understood by those skilled in the art from the disclosure of the present specification. The invention is capable of other and different embodiments and of being practiced or of being carried out in various ways, and its several details are capable of modification in various respects, all without departing from the spirit and scope of the present invention. It is to be noted that the features in the following embodiments and examples may be combined with each other without conflict.
As shown in fig. 1, the cooperative payment method of the present invention is applied to a cooperative payment platform including a cooperative payment plug-in, a group account platform including a group account information service, a payment terminal including an electronic wallet, a merchant platform, and a payment platform. The merchant platform can generate a payment order based on the group account according to the user consumption information and sends a payment request to the cooperative payment platform; the cooperative payment platform processes the payment request based on the group account, so that one or more payment terminals complete payment of the same order based on the selected payment platform in an asynchronous cooperative mode, and real-time message cooperation can be performed, the convenience of electronic payment is greatly improved, and the grouped payment requirements are met.
As shown in fig. 2, in an embodiment, the cooperative payment method of the present invention includes the following steps:
step S1, receiving a payment request based on a group account, and acquiring a plurality of subject accounts associated with the group account.
In particular, a group of accounts is associated with one or more subject accounts, enabling shared-fund storage management and consumption. By providing a unified payment interface, the group account can be used as an independent payment subject to realize cooperative payment. When the user consumes through the online or offline merchant platform, the merchant platform generates a payment request based on the consumption information, the user can select a group account for payment in a mode of displaying a two-dimensional code of the group account, and then the cooperative payment platform receives the payment request based on the selected group account. And simultaneously, the cooperative payment platform accesses the group account platform to acquire the main account information associated with the selected group account. The subject account information includes account balances, account credits, account consumption tickets, account payment rules, and the like.
Step S2, splitting the payment request into a plurality of branch sub-orders, each branch sub-order being associated with a principal account.
Specifically, in order to implement collaborative payment, the collaborative payment platform splits the payment request into branch sub-orders associated with one or more principal accounts, so that each principal account implements asynchronous collaborative payment.
In an embodiment of the present invention, splitting the payment request into a plurality of branch sub-orders includes the following steps:
21) and acquiring point information and consumption coupon information of the plurality of main body accounts.
Specifically, for a plurality of principal accounts in the group of accounts, point information and consumption coupon information in each account are firstly acquired, so that the amount of money to be paid of an order is accurately calculated.
22) Calculating a final payment amount based on the payment amount of the payment request, the point information, and the coupon information.
Specifically, the final payment amount is calculated according to the payment amount sent by the merchant platform, the point information and the consumption ticket information contained in the main account, and the point and consumption ticket use rules preset by the merchant platform, such as point deduction, consumption ticket deduction and the like.
23) And dividing the final payment amount into a plurality of sub-payment amounts based on a preset rule, wherein each sub-payment amount is associated with one main account to form a branch sub-order.
Specifically, the cooperative payment platform divides the final payment amount according to a rule selected by a user, so that each generated sub-payment amount is associated with one main account, thereby generating a plurality of branch sub-orders, and sending each branch sub-order to a payment terminal corresponding to the main account.
In an embodiment of the present invention, the preset rule includes one or more of the following combinations:
a) preset payment amount distribution proportion
For example, each subject account in the set of accounts is allocated a payment amount in equal proportion; as another example, different ones of the primary account numbers allocate payment amounts in different proportions.
b) Presetting the distribution number of payment amount and the distribution priority of main account
Distributing priority to main accounts in the main account numbers, wherein the higher the priority is, the higher the probability of distributing branch sub-orders is; the lower the priority, the lower the probability of assigning a branch sub-order. For example, when the allocated number of payment amounts is 3, three main body accounts with high to low priorities are selected to allocate branch sub-orders; when the allocated number of payment amounts is 5, five main body accounts with high to low priorities are selected to allocate branch sub-orders.
c) And presetting a payment subject account.
For example, upon selecting a group account payment, one or more subject accounts for the payment are pre-selected.
Therefore, the payment amount can be distributed in an equal proportion or in a non-equal proportion by selecting all the main accounts, the preset main accounts can be distributed in an equal proportion or in a non-equal proportion, and the preset number of main accounts can be distributed in an equal proportion or in a non-equal proportion.
In an embodiment of the present invention, before splitting the branch sub-order, first, it is determined whether a balance in a fund account corresponding to the group of accounts is greater than or equal to a payment amount of the payment request; if so, the user selects whether to pay by the fund account or the multiple principal accounts. And only in the case of selecting a plurality of main body accounts for cooperative payment, splitting the branch sub-order.
And step S3, obtaining the payment state of each main account to the associated branch sub-order, and generating a payment result.
Specifically, after each branch sub-order is allocated to the corresponding payment terminal, each payment terminal may pay or unpaid the corresponding branch sub-order based on the payment platform, and feed back the payment status to the cooperative payment platform. And the cooperative payment platform collects the payment state of each branch sub-order, generates a payment result and sends the payment result to each payment terminal. Wherein the payment result comprises payment success and payment failure. The payment failures include total payment failures and partial payment failures. The cooperative payment platform can send the payment state of each payment terminal to other payment terminals, and therefore synchronous sharing of the payment states is achieved.
As shown in fig. 3, in an embodiment of the present invention, the cooperative payment method further includes constructing a global payment transaction coordinator for the payment request, and constructing a branch transaction controller for each branch sub-order; and managing corresponding branch sub-orders based on the branch transaction controllers, and managing each branch transaction controller based on the global payment transaction coordinator, so that the payment management of the payment orders is realized through the cooperative processing between the global payment transaction coordinator and the branch transaction controllers.
In an embodiment of the present invention, the cooperative payment method further includes setting a payment timeout time for each branch sub-order; and if the corresponding branch sub-order does not finish payment within the payment overtime, sending the branch sub-order payment failure information to other main body accounts for payment of the other main body accounts. Specifically, a uniquely identified global payment transaction coordinator is created for the payment request. And the global payment transaction coordinator sequentially creates a branch transaction controller with a unique identifier for each branch sub-order, sets payment timeout time for each branch sub-order and simultaneously sends a message prompt of waiting for payment to the corresponding payment terminal. And the branch transaction controller asynchronously processes the corresponding branch sub-orders, sets and manages the payment timeout time of the branch sub-orders, and sends corresponding branch sub-order payment requests to the corresponding payment platforms. After each branch transaction controller processes the corresponding branch sub-order, the payment state is returned to the global payment transaction coordinator; the global payment transaction coordinator returns an acknowledgement message and notifies the closing of the branch transaction controller. And the global transaction coordinator sends the payment state of each branch sub-order to the payment terminal of each participating main body account in real time. And after all the branches are successfully processed, the global payment transaction coordinator returns the state of the payment result through the payment interface.
After receiving payment overtime information of the payment platform, the branch transaction controller actively sets that the branch is overtime and returns branch overtime information to the global transaction coordinator. After checking the branch timeout information of a certain branch transaction controller, the global transaction coordinator sets the payment state of the corresponding branch sub-order to be a timeout state. When the global transaction coordinator receives payment failure (including network failure and the like) or payment overtime information of a certain branch transaction controller, a branch payment failure message is sent to the payment terminals of other main account, and after receiving the branch payment failure message, other payment terminals can actively replace to pay the branch. After receiving the substitute request, the global transaction coordinator resets the timeout time of the branch sub-order and restarts a branch payment process. If some branch sub-orders are finally not paid successfully (including overtime), the global transaction coordinator starts the branch payment transaction controller which has paid successfully, returns the sub-payment amount of the branch sub-orders which have paid successfully back, and returns the information of payment failure. And if all branch sub-orders are paid successfully, returning the information of successful payment.
It should be noted that each branch sub-order may be paid to the group account or the bank card account bound to the group account first, and then automatically paid to the merchant account by the group account at one time; payment may also be made directly to the merchant account.
In particular, certain preferred strategies may be employed when payment of the branch sub-order is made at each subject account. The preferred strategies include, but are not limited to: and selecting an optimal payment strategy based on the main account, the bound bank card account, the dynamic fund condition of the group account, the behavior habit of the user, the group account association membership, the financial big data analysis and the like. The optimal policy includes, but is not limited to, near payment, minimal interaction, minimal collaboration, self-account dominated payment, and the like.
When the cooperative payment is carried out based on the group account, the user can actively select through the payment terminal, and the cooperative payment platform can also intelligently select according to formulated rules and preferred strategies. For example, a subject account binds to a bank card account A, which is in turn linked to a group account. When the principal account two-dimensional code payment is presented, if the user chooses to pay through account a, the collaborative payment platform may transfer payment to the group account based payment interface based on the balance of the current account a, the preferred rule policy. And when the user directly presents the dynamic code of the group account through the payment terminal, the dynamic code is directly transferred to a payment interface based on the group account.
The group account is used as a payment subject, and after receiving the payment request, the cooperative payment platform determines whether to pay by the bank card fund account or initiate cooperative payment among subject account numbers associated with the group account according to the conditions that whether the bank card fund bound by the group account is enough and the like and the rule strategy is optimized. Preferably, the group account has the following functions: (1) setting a cooperative payment function of opening/closing a main account in real time, and setting the distribution proportion of the main account; (2) checking the group account or the bound bank card fund regularly, starting the group account when the bank card fund is less than a certain amount, and collecting money from the participating main account (the fund account related to the group account); (3) shared points payments using group accounts; (4) and determining whether the cooperative transaction initiated by the group account needs to acquire real-time interactive confirmation permission of the main account in advance or to notify immediately when the transaction occurs.
In an embodiment of the present invention, in the cooperative payment method of the present invention, the transaction records fed back to the merchant platform and the group account platform include the following two types:
(a) the total bill transaction record is the transaction bill based on the record group account, i.e. the corresponding points/tickets and other information.
(b) And the branch bill record is used for recording the bill information of each branch transaction contained in each group of bill transaction.
The main account of each group account can view the total bill and the corresponding branch bills of the group account through the order system of the merchant platform or the group account platform.
As shown in fig. 4, in an embodiment, the cooperative payment system of the present invention includes an obtaining module 41, a splitting module 42, and a generating module 43.
The obtaining module 41 is configured to receive a payment request based on a group account, and obtain a plurality of subject accounts associated with the group account.
The splitting module 42 is connected to the obtaining module 41, and is configured to split the payment request into a plurality of branch sub-orders, where each branch sub-order is associated with one principal account;
the generating module 43 is connected to the splitting module 42, and is configured to obtain the payment status of each subject account for the associated branch sub-order, and generate a payment result.
The structures and principles of the obtaining module 41, the splitting module 42, and the generating module 43 correspond to the steps in the cooperative payment method one to one, and therefore are not described herein again.
It should be noted that the division of the modules of the above apparatus is only a logical division, and the actual implementation may be wholly or partially integrated into one physical entity, or may be physically separated. And the modules can be realized in a form that all software is called by the processing element, or in a form that all the modules are realized in a form that all the modules are called by the processing element, or in a form that part of the modules are called by the hardware. For example: the x module can be a separately established processing element, and can also be integrated in a certain chip of the device. In addition, the x-module may be stored in the memory of the apparatus in the form of program codes, and may be called by a certain processing element of the apparatus to execute the functions of the x-module. Other modules are implemented similarly. All or part of the modules can be integrated together or can be independently realized. The processing element described herein may be an integrated circuit having signal processing capabilities. In implementation, each step of the above method or each module above may be implemented by an integrated logic circuit of hardware in a processor element or an instruction in the form of software. These above modules may be one or more integrated circuits configured to implement the above methods, such as: one or more Application Specific Integrated Circuits (ASICs), one or more microprocessors (DSPs), one or more Field Programmable Gate Arrays (FPGAs), and the like. When a module is implemented in the form of a Processing element scheduler code, the Processing element may be a general-purpose processor, such as a Central Processing Unit (CPU) or other processor capable of calling program code. These modules may be integrated together and implemented in the form of a System-on-a-chip (SOC).
The storage medium of the present invention stores thereon a computer program that realizes the above-described cooperative payment method when executed by a processor. Preferably, the storage medium includes: various media that can store program codes, such as ROM, RAM, magnetic disk, U-disk, memory card, or optical disk.
As shown in fig. 5, in an embodiment, the cooperative payment platform of the present invention includes: a processor 51 and a memory 52.
The memory 52 is used for storing computer programs.
The memory 52 includes: various media that can store program codes, such as ROM, RAM, magnetic disk, U-disk, memory card, or optical disk.
The processor 51 is connected to the memory 52 and configured to execute the computer program stored in the memory 52, so that the cooperative payment platform executes the cooperative payment method described above.
Preferably, the Processor 51 may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; the Integrated Circuit may also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, or discrete hardware components.
As shown in fig. 6, in an embodiment, the cooperative payment system of the present invention includes the above-mentioned cooperative payment platform 61, merchant platform 62, group account platform 63, payment platform 64 and payment terminal 65.
The merchant platform 62 is connected to the cooperative payment platform 61, and is configured to generate a payment request based on a group account, and send the payment request to the cooperative payment platform 61. Specifically, the merchant platform 62 may be an online platform or an offline platform, and generates a group account-based payment request according to the group account and the order information selected by the user, and sends the group account-based payment request to the cooperative payment platform 61.
The group account platform 63 is connected to the cooperative payment platform 61, and is configured to provide subject account information associated with the group account and send the subject account information to the cooperative payment platform 61. Specifically, the group account platform provides functions of registering, logging in, verifying identity of applicant of the group account and binding fund account, logging out the group account, and the like, such as initiating participation invitation to the main account, auditing the participation invitation actively initiated by the main account, setting payment rules and policies of the group account, managing bill and credit of the main account, asynchronous collaborative message service, and the like. Preferably, the group account platform may be an independent public cloud service platform, or may be a private cloud service built by a specific merchant platform or payment platform.
The payment terminal 65 is connected to the cooperative payment platform 61 and the payment platform 64, and is configured to perform payment processing based on the payment platform 64 according to the branch sub-order sent by the cooperative payment platform 61. Preferably, the payment terminal 65 can implement a payment function using various electronic wallets APP installed thereon.
In the present invention, the cooperative payment platform 61 realizes the docking with the merchant platform, the payment platform and the group account platform through the following three service modes.
One, the cooperative payment platform is embedded in the merchant platform or the payment platform
The cooperative payment platform is embedded into a plug-in of a merchant platform or a payment platform in a cooperative payment engine mode. As shown in fig. 7, taking embedding into an e-commerce platform as an example, multi-principal cooperative payment is realized through communication and control of the cooperative payment e-wallet APP at the smart phone end. The flow of funds in this mode does not go through the group account platform. For example, a user should place an order at a smartphone APP/desktop computer or the like and select/present a group account payment.
Secondly, embedding the cooperative payment platform in the group account platform
As shown in fig. 8, the collaborative payment platform acts as a plug-in running directly in the group account platform in the manner of a collaborative payment engine. In this mode, the fund flow passes through the group account platform. For example, a user places an order at a smartphone APP/desktop computer or the like and selects/presents a group account payment.
Thirdly, the cooperative payment platform is embedded in the payment terminal
As shown in fig. 9, the cooperative payment platform directly runs on the smartphone end (in hardware or software) of the user in the form of a cooperative payment engine, that is, an electronic wallet supporting cooperative payment. And directly initiating a transaction request payment which is cooperatively participated in by a plurality of electronic purses through a mobile phone terminal.
For example, a user places an order at a smartphone APP and selects/presents a group account payment. The mobile phone side obtains group account number associated account information and rules through the group account platform, accordingly decomposes the payment order, sends prompt messages and APP links to the mobile phone intelligent terminal of the participating user through channels such as short messages, the participating user logs in to enter the collaborative payment electronic wallet APP to communicate with the back end of the group account platform, and branch order payment is completed based on the payment channel. And the electronic wallet initiating the cooperative payment acquires the current cooperative payment state and control in real time by means of the group account platform, and sends the final result to the e-commerce platform.
In the cooperative payment method, the transaction information safety is ensured mainly based on the signature and signature verification technologies, and the technical channels of signature verification are different when the service modes are different.
When the cooperative payment platform is embedded in a merchant platform or a payment platform, the merchant platform signs in the transaction request, and the payment platform checks the signs; and when the transaction responses are opposite, namely the payment platform responds to the message signature, and the merchant platform verifies the signature.
When the cooperative payment platform is embedded in the group account platform, the merchant platform initiates a group account transaction request signature, and after the group account platform checks the signature and passes the processing, the merchant platform sends a signature request to each payment platform; the opposite is true for the transaction response.
When the cooperative payment platform is embedded in the payment terminal, the payment terminal needs to sign and verify payment requests and responses through the access group account platform.
In summary, the cooperative payment method, the system, the storage medium and the cooperative payment platform of the present invention can realize asynchronous cooperative payment with participation of multiple subjects based on the group account and the information service system thereof, so as to be suitable for and support application scenarios of cooperative fund management and cooperative payment with similar units of family/group/community/supply chain, and provide solutions for solving complex requirements of cooperative management, cooperative consumption, cooperative payment, cooperative settlement/settlement, cooperative reconciliation and the like among multiple electronic accounts; the payment scene and the consumption experience of multi-person cooperation of the existing consumption end are enriched; for the enterprise supply chain scene which is more and more refined and automated by division of labor, the establishment of intelligent cooperative payment among a plurality of main enterprises on the whole supply chain based on agreed rules and conditions is facilitated, the labor cost and the interference are reduced, and the overall operation efficiency of capital is improved; the system can be in butt joint with the existing network payment system based on the existing electronic account and payment interface, the user experience can realize smooth transfer, and the construction, operation and popularization cost is low. Therefore, the invention effectively overcomes various defects in the prior art and has high industrial utilization value.
The foregoing embodiments are merely illustrative of the principles and utilities of the present invention and are not intended to limit the invention. Any person skilled in the art can modify or change the above-mentioned embodiments without departing from the spirit and scope of the present invention. Accordingly, it is intended that all equivalent modifications or changes which can be made by those skilled in the art without departing from the spirit and technical spirit of the present invention be covered by the claims of the present invention.
Claims (13)
1. A collaborative payment method, characterized by: the method comprises the following steps:
receiving a payment request based on a group account, and acquiring a plurality of subject accounts associated with the group account;
splitting the payment request into a plurality of branch sub-orders, each branch sub-order being associated with one subject account; and acquiring the payment state of each main account to the associated branch sub-order, and generating a payment result.
2. The collaborative payment method of claim 1, wherein: splitting the payment request into a plurality of branch sub-orders comprises the steps of:
acquiring point information and consumption coupon information of the plurality of main body accounts;
calculating a final payment amount based on the payment amount of the payment request, the point information, and the coupon information;
and dividing the final payment amount into a plurality of sub-payment amounts based on a preset rule, wherein each sub-payment amount is associated with one main account to form a branch sub-order.
3. The collaborative payment method of claim 2, wherein: the preset rules comprise one or more of the following combinations:
presetting a payment amount distribution proportion;
presetting the payment amount distribution number and the main account distribution priority;
and presetting a payment subject account.
4. The collaborative payment method of claim 1, wherein: setting payment overtime time for each branch sub-order; and if the corresponding branch sub-order does not finish payment within the payment overtime, sending the branch sub-order payment failure information to other main body accounts for payment of the other main body accounts.
5. The collaborative payment method of claim 1, wherein: and returning the sub-payment amount to the paid main account in the original way when one or more main accounts fail to pay the corresponding branch sub-orders.
6. The collaborative payment method of claim 1, wherein: the method also comprises the steps of constructing a global payment transaction coordinator aiming at the payment request and constructing a branch transaction controller aiming at each branch sub-order; managing corresponding branch sub-orders based on the branch transaction controllers, and managing each branch transaction controller based on the global payment transaction coordinator to achieve payment management of the payment order.
7. A collaborative payment system, characterized by: the system comprises an acquisition module, a splitting module and a generation module;
the acquisition module is used for receiving a payment request based on a group account and acquiring a plurality of main body accounts associated with the group account;
the splitting module is used for splitting the payment request into a plurality of branch sub-orders, wherein each branch sub-order is associated with a main account;
the generation module is used for acquiring the payment state of each main account to the associated branch sub-order and generating a payment result.
8. A storage medium having stored thereon a computer program, characterized in that the program, when executed by a processor, implements the collaborative payment method according to any one of claims 1 to 6.
9. A collaborative payment platform, comprising: a processor and a memory;
the memory is used for storing a computer program;
the processor is configured to execute the memory-stored computer program to cause the collaborative payment platform to perform the collaborative payment method of any of claims 1 to 6.
10. A collaborative payment system, characterized by: comprising the collaborative payment platform, merchant platform, group account platform, payment platform, and payment terminal of claim 9;
the merchant platform is used for generating a payment request based on the group account and sending the payment request to the cooperative payment platform;
the group account platform is used for providing main account information related to the group account and sending the main account information to the cooperative payment platform;
and the payment terminal is used for carrying out payment processing based on the payment platform according to the branch sub-order sent by the cooperative payment platform.
11. The collaborative payment system of claim 10, wherein: the collaborative payment platform is embedded within the merchant platform or the payment platform.
12. The collaborative payment system of claim 10, wherein: the collaborative payment platform is embedded within the set of account platforms.
13. The collaborative payment system of claim 10, wherein: the cooperative payment platform is embedded in the payment terminal.
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