WO2019019682A1 - Payment method and apparatus, storage medium and terminal - Google Patents
Payment method and apparatus, storage medium and terminal Download PDFInfo
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- WO2019019682A1 WO2019019682A1 PCT/CN2018/081244 CN2018081244W WO2019019682A1 WO 2019019682 A1 WO2019019682 A1 WO 2019019682A1 CN 2018081244 W CN2018081244 W CN 2018081244W WO 2019019682 A1 WO2019019682 A1 WO 2019019682A1
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- payment
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- dimensional code
- link
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Definitions
- the present application belongs to the field of communications technologies, and in particular, to a payment method, device, storage medium, and terminal.
- Two-dimensional code payment is a form of mobile payment, which refers to a payment method that uses a two-dimensional code to remotely access a payment system and submit a payment instruction.
- the user can perform payment settlement with the merchant by scanning the QR code provided by the merchant through the mobile client.
- different payment channels respectively adopt independent two-dimensional codes, and the merchant needs to pre-connect various payment channels to prepare multiple two-dimensional codes; When paying, you need to distinguish the QR code first, and use the corresponding payment channel application to scan the code to complete the payment transaction.
- different payment channels may also have different payment activities. For a variety of payment channels and payment activities, users cannot quickly find the best payment channel, and easily miss the payment activity information provided by the payment channel.
- the embodiment of the present application provides a payment method, device, storage medium and terminal, so as to solve the existing two-dimensional code payment method, the merchant needs to access different payment channels, and the buyer distinguishes the two-dimensional code corresponding to different payment channels. problem.
- the payment method includes:
- the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information are sent to the payer terminal to display the payment information of the order to the payer, and may be used. Payment transaction interface and payment activity information for the payment channel.
- the payment method includes:
- the payment method further includes:
- the RESTful interface is invoked to obtain the payment result information returned by the payment channel partner selected by the payment party after completing the payment transaction, and the payment result information is sent to the payer terminal and the payee terminal.
- the payment method further includes:
- the two-dimensional code link is returned to the payee terminal such that the payee terminal generates unique two-dimensional code information according to the two-dimensional code link and presents the two-dimensional code information to the payer.
- the generating the QR code link according to the order information, the payment channel partner, and the payment activity information thereof includes:
- the embodiment of the present application further provides a payment device, where the payment device includes:
- An order obtaining module configured to acquire, when the call request of the two-dimensional code generating interface is received, the order information input by the payee terminal in the calling request;
- a channel acquisition module configured to invoke a RESTful interface to obtain payment channel partners and their pushed payment activity information
- a link generation module configured to generate a QR code link according to the order information, the payment channel partner, and the payment activity information thereof;
- An information sending module configured to generate unique two-dimensional code information according to the two-dimensional code link, and send the two-dimensional code information to a payee terminal, so that the payment direction display the two-dimensional code information;
- a verification module configured to obtain a scan link submitted by the payment party terminal after scanning the two-dimensional code information, and verify the scan link;
- a channel sending module configured to send the order information, a payment transaction interface corresponding to a payment channel partner, and payment activity information to the payer terminal after the scan link verification is passed, to display the order to the payer Payment information, payment transaction interface and payment activity information for optional payment channels.
- the payment device includes:
- the historical data acquisition module is configured to combine the payment activity information of different payment channel partners to obtain historical usage data of different payment channel partners;
- the prediction module is configured to predict the amount of payment transactions required by the different payment channel partners to complete the order according to the payment information of the order and the historical usage data of the different payment channel partners;
- a comparison module configured to compare the payment transaction amount of the different payment channel partners, and select a payment channel with the smallest payment transaction amount as the optimal payment channel;
- a channel recommendation module configured to send the payment transaction interface corresponding to the optimal payment channel to the payer terminal, to guide the payer to use the optimal payment channel to complete the order.
- the payment device further includes:
- the payment result sending module is configured to invoke the RESTful interface to obtain the payment result information returned by the payment channel partner selected by the payment party after completing the payment transaction, and send the payment result information to the payer terminal and the payee terminal.
- the payment device further includes:
- a link sending module configured to return the two-dimensional code link to the payee terminal, so that the payee terminal generates unique two-dimensional code information according to the two-dimensional code link and displays the two-dimensional code to the payer Code information.
- link generation module is configured to:
- the embodiment of the present application further provides one or more non-volatile readable storage media storing computer readable instructions, when the computer readable instructions are executed by one or more processors, such that the one or more The processor performs the following steps:
- the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information are sent to the payer terminal to display the payment information of the order to the payer, and may be used. Payment transaction interface and payment activity information for the payment channel.
- the embodiment of the present application further provides a terminal, including a memory, a processor, and computer readable instructions stored on the memory and executable on the processor, and the processor implements the following steps when the computer readable instructions are executed:
- the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information are sent to the payer terminal to display the payment information of the order to the payer, and may be used. Payment transaction interface and payment activity information for the payment channel.
- FIG. 1 is a first implementation flowchart of a payment method provided by an embodiment of the present application.
- FIG. 2 is a schematic diagram of a selection interface of a payment channel provided by an embodiment of the present application.
- FIG. 3 is a second implementation flowchart of a payment method provided by an embodiment of the present application.
- FIG. 4 is a structural diagram of a structure of a payment apparatus according to an embodiment of the present application.
- FIG. 5 is a schematic diagram of a terminal provided by an embodiment of the present application.
- FIG. 1 shows a first implementation flow of a payment method provided by an embodiment of the present application.
- the payment method is applied to a terminal, and the terminal is a server device of a payment platform, including but not limited to a server and a computer.
- the payment platform is an integrated transaction platform integrating multiple payment channels, and can provide payment transaction interfaces of a plurality of different payment channel partners.
- the payment method includes:
- step S101 when the call request of the two-dimensional code generation interface is received, the order information introduced by the payee terminal in the call request is acquired.
- the payee terminal is a merchant back-end system, such as a cashier device and a system thereof.
- the order information includes, but is not limited to, an order number, an order amount, a merchant number, an order title, an appliance number, a product information, and a payment scenario.
- the merchant back-office system receives the order information entered by the merchant to generate an order, and invokes the two-dimensional code generation interface provided by the payment platform to transmit the order information to the payment platform.
- the two-dimensional code generation interface is a standard HTTP interface, that is, an API based on an HTTP service, which is a specification for interaction between a payment platform and a merchant, and is provided to a merchant to call a two-dimensional code link for generating an order for the payment platform or two.
- Dimension code information After receiving the order information entered by the merchant, the payee terminal transmits the order information to the two-dimensional code generating interface, and sends a call request data packet to the payment platform according to the format agreed by the two-dimensional code generating interface. .
- the payment platform queries the received data packet according to a preset frequency, and parses the call request data packet, thereby acquiring the two-dimensional code generation request and the cashier terminal incoming order information.
- step S102 the RESTful interface is invoked to obtain the payment channel partner and the pushed payment activity information.
- the payment channel partner is a payment channel that cooperates with the payment platform.
- the payment channel partner periodically pushes the latest payment activity information to the payment platform described in the present application.
- the payment activity information is an introduction information of a payment activity carried out by a payment channel partner, and is encrypted and transmitted by using a RESTful interface.
- the payment activity information includes, but is not limited to, a full reduction activity and its rules, a bonus activity and its rules, a cashback activity and its rules, a coupon activity, and a detailed rule thereof.
- the payment platform may also jointly launch a series of payment promotion activities in conjunction with the payment channel partners.
- REST is the abbreviation of Representational State Transfer.
- the Chinese name is a representational state transfer.
- RESTful refers to a RESTful network interface.
- the embodiment of the present application uses the RESTful interface to interact with the payment channel partner on the payment platform, which is beneficial to standardizing the data request mode of different payment channel partners, and is convenient for the payment activity information acquired by the platform for later maintenance.
- step S103 a two-dimensional code link is generated according to the order information, the payment channel partner and its payment activity information.
- the two-dimensional code link is a pre-paid transaction session link URL of the payment platform.
- the server device of the payment platform after receiving the request, the server device of the payment platform generates a pre-payment transaction ticket corresponding to the payment channel partner according to the order information, the payment channel partner and the payment activity information, and generates a The QR code link code_url corresponding to the prepaid payment order.
- the payment platform is an integrated transaction platform that integrates multiple payment channels, that is, the payment platform has completed the handover with multiple payment channels. After accessing the payment platform provided by the application, the merchant does not need to hand over to multiple payment channels.
- the server device of the payment platform can generate a pre-paid transaction session link corresponding to the different payment channels according to the order request of the merchant, thereby realizing a two-dimensional code information binding multiple payment channels, effectively reducing the payment of the merchant.
- the cost invested in the channel can be generated.
- step S104 unique two-dimensional code information is generated according to the two-dimensional code link, and the two-dimensional code information is sent to the payee terminal for the payment direction to display the two-dimensional code information.
- generating the two-dimensional code information according to the two-dimensional code link is a prior art, and may refer to the article “Details and Principles of Generation of Two-Dimensional Codes” published by Chen Wei on October 29, 2013. Let me repeat.
- the recipient terminal obtains the QR code information
- the merchant provides the QR code information to the buyer user for scanning.
- the buyer user may scan the two-dimensional code to start the payment by using the scanning function provided by the application corresponding to the payment platform described in the application, or scan the two by using the scanning function of the application corresponding to any payment channel partner.
- the code is used to initiate payment.
- the payment platform server device may also return only the two-dimensional code link to the payee terminal, and the payee terminal automatically generates a unique two-dimensional code according to the two-dimensional code link. information. Therefore, after the two-dimensional code link is generated according to the order information, the payment channel partner, and the payment activity information, the payment method may further include:
- the two-dimensional code link is returned to the payee terminal such that the payee terminal generates unique two-dimensional code information according to the two-dimensional code link and presents the two-dimensional code information to the payer.
- step S105 a scan link submitted by the payer terminal after scanning the two-dimensional code information is obtained, and the scan link is verified.
- the buyer user uses the payer terminal scan code, including but not limited to the application scan code corresponding to the payment channel partner, and the program scanning code corresponding to the payment platform, after the scan code is completed, the payer The terminal submits a scan link to the server device of the payment platform.
- the scan link is a data packet submitted by the payer terminal to the payment platform after scanning the two-dimensional code, and the data package includes but is not limited to order information and payer information.
- the server device of the payment platform verifies the validity of the scan link and initiates user payment when the verification is passed, requesting user authorization.
- the embodiment of the present application inserts a selection step of a payment channel before requiring user authorization.
- step S106 after the scan link verification is passed, the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information are sent to the payer terminal to display the order of the order to the payer. Payment information, payment transaction interface and payment activity information for optional payment channels.
- the payment transaction interface corresponding to the payment channel partner is a startup interface of the payment channel transaction.
- the payment information is order information that the payer pays attention to, but is not limited to the order number, the order amount, the merchant number, and the product information.
- the paying party terminal After receiving the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information, the paying party terminal displays the selection interface of the payment channel to the buyer user.
- FIG. 2 is a schematic diagram of a selection interface of a payment channel provided by an embodiment of the present application. In the schematic diagram, a payment transaction interface including payment channel A and a payment transaction interface of payment channel B are available. The transaction is initiated by clicking on the payment transaction interface, triggering the corresponding payment channel partner to initiate user authorization payment.
- the payment channel partner includes, but is not limited to, WeChat payment, Alipay payment, and APPLYPay payment.
- each payment transaction interface synchronously displays the payment activity information of the corresponding payment channel partner, as shown in FIG. 2 .
- the buyer user does not need to distinguish the payment channel corresponding to the two-dimensional code before scanning the code, and can simultaneously browse different payment activities, select a satisfactory payment channel to complete the transaction, and effectively improve the buyer user.
- the buyer user does not need to distinguish the payment channel corresponding to the two-dimensional code before scanning the code, and can simultaneously browse different payment activities, select a satisfactory payment channel to complete the transaction, and effectively improve the buyer user.
- the payment party terminal jumps to the payment interface corresponding to the payment channel partner, and requires the user to input the password information to complete the payment.
- the payment channel partner returns the payment result information to the server device of the payment platform.
- the payment method may further include:
- the RESTful interface is invoked to obtain the payment result information returned by the payment channel partner selected by the payment party after completing the payment transaction, and the payment result information is sent to the payer terminal and the payee terminal.
- the payee terminal accesses the payment platform, and therefore, the payment result information is returned by the payment platform to the payee terminal or the payer terminal.
- the server device of the payment platform is further configured to save the payment result information after receiving the payment result information, so that the subsequent user can also query the historical order and the order transaction result through the application corresponding to the payment platform.
- different payment channels may simultaneously carry out payment activities during the same period.
- Different payment activities are mainly preferential activities, and the activity rules are different. Users can't quickly find the best payment channel for a variety of payment channels and their payment activities.
- the payment method includes the steps S301 to S305, wherein the steps S301 to S305 are the same as the steps S101 to S105 described in the embodiment of the present invention.
- steps S301 to S305 are the same as the steps S101 to S105 described in the embodiment of the present invention.
- the payment method further includes:
- step S306 the historical usage data of the different payment channel partners is obtained by combining the payment activity information of the different payment channel partners.
- step S306 acquires historical data of the payment by the buyer user using the payment channel partner A during the bonus activity, including but not limited to the time of payment, the amount of the bonus for each payment, and the accumulation. The amount of the bonus.
- the payment activity of a payment channel partner B is a full reduction activity
- the activity rule is: a certain amount of discount is provided for the first time consumption of the specified amount within a specified time range.
- step S307 based on the payment information of the current order and the historical usage data of the different payment channel partners, the payment transaction amount required by the different payment channel partners to complete the order is predicted.
- the amount of consumption in this order information is 100 yuan.
- the payment channel partner B's full reduction activity is 30 yuan for the first time spending 100 yuan in the specified time range. If the order is the first time within the specified time range, then the above payment channel B is used to complete the order.
- step S308 the payment transaction amount of the different payment channel partners is compared, and the payment channel with the smallest payment transaction amount is selected as the optimal payment channel.
- the optimal payment channel is a payment channel that satisfies the minimum payment transaction amount under the payment activity. As described above, by comparing the payment transaction amount of the payment channel partner A and the payment channel partner B, the payment transaction partner B can obtain the payment transaction amount smaller, and the payment channel partner B is optimal. Payment channel.
- step S309 the payment transaction interface corresponding to the optimal payment channel is sent to the payer terminal to guide the payer to complete the order using the optimal payment channel.
- the embodiment of the present application collects the payment activity information of the payment channel partner, predicts the payment transaction amount required for the completion of the transaction by different payment channels based on the payment activity rule in real time, and pushes the optimal payment channel to the user according to the prediction result.
- the intelligent push of the optimal payment channel is realized, which facilitates the user to quickly find the best payment method and greatly improves the user experience.
- the size of the serial number of each step does not mean the order of execution order, and the order of execution of each step should be determined by its function and internal logic, and should not constitute any implementation process of the embodiment of the present application. limited.
- the storage medium may be a read only memory, a magnetic disk or an optical disk, or the like.
- FIG. 4 is a structural diagram of a payment apparatus provided by an embodiment of the present application. For convenience of description, only parts related to the embodiment of the present application are shown.
- the payment device is used to implement the payment method described in the foregoing embodiments of FIG. 1 and FIG. 3, and may be a software unit, a hardware unit, or a combination of software and hardware built in the terminal.
- server devices including but not limited to servers and computers.
- the payment device includes:
- the order obtaining module 41 is configured to: when receiving the calling request of the two-dimensional code generating interface, acquire the order information that is received by the payee terminal in the calling request;
- the channel obtaining module 42 is configured to invoke the RESTful interface to obtain the payment channel partner and the pushed payment activity information;
- the link generation module 43 is configured to generate a two-dimensional code link according to the order information, the payment channel partner, and the payment activity information thereof;
- the information sending module 44 is configured to generate unique two-dimensional code information according to the two-dimensional code link, and send the two-dimensional code information to the payee terminal, so that the payment direction party displays the two-dimensional code information;
- the verification module 45 is configured to obtain a scan link submitted by the payment party terminal after scanning the two-dimensional code information, and verify the scan link;
- the channel sending module 46 is configured to send the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information to the payer terminal after the scan link verification is passed, to present the payment party to the payer Payment information for the order, payment transaction interface for the optional payment channel, and payment activity information.
- the payee terminal is a merchant back-end system, such as a cashier device and a system thereof.
- the order information includes, but is not limited to, an order number, an order amount, a merchant number, an order title, an appliance number, a product information, and a payment scenario.
- the merchant back-office system receives the order information entered by the merchant to generate an order, and invokes the two-dimensional code generation interface provided by the payment platform to transmit the order information to the payment platform.
- the two-dimensional code generation interface is a standard HTTP interface, that is, an API based on an HTTP service, which is a specification for interaction between a payment platform and a merchant, and is provided to a merchant to call a two-dimensional code link for generating an order for the payment platform or two.
- Dimension code information After receiving the order information entered by the merchant, the payee terminal transmits the order information to the two-dimensional code generating interface, and sends a call request data packet to the payment platform according to the format agreed by the two-dimensional code generating interface. .
- the payment device queries the received data packet according to the preset frequency by the order obtaining module 41, and parses the call request data packet, thereby acquiring the two-dimensional code generation request and the incoming order information of the payee terminal. .
- the payment channel partner is a payment channel that cooperates with the payment platform.
- the payment channel partner periodically pushes the latest payment activity information to the payment platform described in the present application.
- the payment activity information is an introduction information of a payment activity carried out by a payment channel partner, and is encrypted and transmitted by using a RESTful interface.
- the payment activity information includes, but is not limited to, a full reduction activity and its rules, a bonus activity and its rules, a cashback activity and its rules, a coupon activity, and details thereof.
- the payment platform may also jointly launch a series of payment promotion activities in conjunction with the payment channel partners.
- the two-dimensional code link is a pre-payment transaction session link URL of the payment platform.
- the link generating module 43 After receiving the request, the link generating module 43 generates a pre-payment transaction ticket correspondingly corresponding to the payment channel partner according to the order information, the payment channel partner and the payment activity information, and generates a corresponding pre-payment transaction order. QR code link code_url.
- the payment platform is an integrated transaction platform that integrates multiple payment channels, that is, the payment platform has completed the handover with multiple payment channels. After accessing the payment platform, the merchant does not need to hand over to multiple payment channels.
- the payment device can generate a pre-paid transaction session link corresponding to the different payment channels according to the order request of the merchant, thereby realizing a two-dimensional code information binding multiple payment channels, thereby effectively reducing the investment of the merchant on the payment channel. the cost of.
- the information transmitting module 44 generates unique two-dimensional code information based on the two-dimensional code link and transmits it to the payee terminal.
- the process of generating the two-dimensional code information is a prior art, and details are not described herein again.
- the recipient terminal obtains the QR code information
- the merchant provides the QR code information to the buyer for scanning.
- the buyer user may initiate the payment by scanning the two-dimensional code through the application corresponding to the payment platform, or may scan the two-dimensional code to start the payment by using an application corresponding to the payment channel partner.
- the server device of the payment platform may also return only the two-dimensional code link to the payee terminal, and the payee terminal automatically generates a unique two-dimensional according to the two-dimensional code link. Code information. Therefore, the payment device may further include:
- a link sending module 47 configured to return the two-dimensional code link to the payee terminal, so that the payee terminal generates unique two-dimensional code information according to the two-dimensional code link and presents the two to the payer Dimension code information.
- the buyer user uses the payment party terminal scan code, including but not limited to the application scanning code corresponding to the payment channel partner, and the corresponding scanning program of the payment platform, after the scanning code is completed,
- the payer terminal submits a scan link to the server device of the payment platform; the verification module 45 verifies the validity of the scan link, and initiates user payment when the verification is passed, requesting user authorization.
- the embodiment of the present application inserts a selection step of a payment channel before requiring user authorization.
- the channel sending module 46 sends the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information of each payment transaction interface to the payer terminal.
- the payment transaction interface corresponding to the payment channel partner is a startup interface of the payment channel transaction.
- the paying party terminal displays the payment transaction interface corresponding to each payment channel partner
- the payment party terminal also synchronously displays the payment activity information of the corresponding payment channel partner.
- the payment party terminal jumps to the payment interface corresponding to the payment channel partner, and requires the user to input the password information to complete the payment.
- the payment channel partner returns the payment result information to the server device of the payment platform.
- the payment device may further include:
- the payment result sending module 48 is configured to invoke the RESTful interface to obtain the payment result information returned by the payment channel partner selected by the payment party after completing the payment transaction, and send the payment result information to the payer terminal and the payee terminal.
- the server device of the payment platform may further save the payment result information, so that the subsequent user can also query the order information through the application corresponding to the payment platform. And the order transaction results.
- different payment channels may simultaneously perform payment activities, and different payment activities are mainly preferential activities, and the activity rules are different. Users can't quickly find the best payment channel for a variety of payment channels and their payment activities.
- the payment device described in the embodiment of the present application further includes:
- the historical data obtaining module 49 is configured to obtain historical usage data of different payment channel partners by combining payment activity information of different payment channel partners;
- the forecasting module 410 is configured to predict, according to the payment information of the current order and the historical usage data of the different payment channel partners, the amount of payment transactions required by the different payment channel partners to complete the order;
- the comparison module 411 is configured to compare the payment transaction amount of the different payment channel partners, and select the payment channel with the smallest payment transaction amount as the optimal payment channel;
- the channel recommendation module 412 is configured to send the payment transaction interface corresponding to the optimal payment channel to the payer terminal to guide the payer to complete the order using the optimal payment channel.
- the embodiment of the present application collects the payment activity information of the payment channel partner, predicts the payment transaction amount required for the completion of the transaction by different payment channels based on the payment activity rule in real time, and pushes the optimal to the user according to the prediction result.
- the payment channel realizes the intelligent push of the optimal payment channel, which facilitates the user to quickly find the best payment method and greatly enhances the user experience.
- the terminal in the embodiment of the present application may be used to implement all the technical solutions in the foregoing method embodiments. It will be clearly understood by those skilled in the art that, for convenience and brevity of description, only the division of each functional unit and module described above is exemplified. In practical applications, the above functions may be assigned to different functional units according to needs.
- the module is completed by dividing the internal structure of the device into different functional units or modules to perform all or part of the functions described above.
- FIG. 5 is a schematic diagram of a terminal according to an embodiment of the present application.
- the terminal 5 of this embodiment includes a processor 50, a memory 51, and computer readable instructions 52 stored in the memory 51 and executable on the processor 50.
- the processor 50 executes the computer readable instructions 52, the steps in the foregoing payment method embodiment are implemented, such as steps S101 to S106 shown in FIG. 1 and steps S301 to S309 shown in FIG. 3.
- the processor 50 when executing the computer readable instructions 52, implements the functions of the various modules/units in the above described payment device embodiment, such as the functions of the modules 41 through 412 shown in FIG.
- the processor 50 may be a central processing unit (CPU), or may be other general-purpose processors, a digital signal processor (DSP), an application specific integrated circuit (ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware components, etc.
- the general purpose processor may be a microprocessor or the processor or any conventional processor or the like, which is a control center of the terminal, and connects various parts of the entire terminal using various interfaces and lines.
- the memory 51 can be used to store the computer readable instructions and/or modules by running or executing computer readable instructions and/or modules stored in the memory, and recalling data stored in the memory Implementing various functions of the terminal.
- the memory may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application required for at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may be stored. Data created based on the use of the terminal, etc.
- the memory may include a high-speed random access memory, and may also include non-volatile memory such as a hard disk, a memory, a plug-in hard disk, a smart memory card (SMC), and a secure digital card (Secure Digital, SD). , Flash Card, at least one disk storage device, flash memory device, or other volatile solid-state storage device.
- non-volatile memory such as a hard disk, a memory, a plug-in hard disk, a smart memory card (SMC), and a secure digital card (Secure Digital, SD).
- SD Secure Digital
- Flash Card at least one disk storage device, flash memory device, or other volatile solid-state storage device.
- non-volatile readable storage media storing computer readable instructions may comprise: any entity or device capable of carrying the computer readable instructions, a recording medium, a USB flash drive, a mobile hard drive, a magnetic Discs, optical discs, computer memories, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier signals, telecommunications signals, and software distribution media.
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Description
Claims (20)
- 一种支付方法,其特征在于,所述支付方法包括:A payment method, characterized in that the payment method comprises:当接收到二维码生成接口的调用请求时,获取所述调用请求中由收款方终端传入的订单信息;Obtaining the order information introduced by the payee terminal in the call request when receiving the call request of the two-dimensional code generating interface;调用RESTful接口,获取支付渠道合作方及其推送的支付活动信息;Calling the RESTful interface to obtain payment channel partners and their pushed payment activity information;根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接;Generating a two-dimensional code link according to the order information, the payment channel partner, and the payment activity information thereof;根据所述二维码链接生成唯一的二维码信息,将所述二维码信息发送至收款方终端,以供收款方向付款方展示该二维码信息;Generating the unique two-dimensional code information according to the two-dimensional code link, and sending the two-dimensional code information to the payee terminal, so that the payment direction display the two-dimensional code information;获取付款方终端扫描所述二维码信息后提交的扫描链接,验证所述扫描链接;Obtaining a scan link submitted by the payer terminal after scanning the two-dimensional code information, and verifying the scan link;在所述扫描链接验证通过后,将所述订单信息、支付渠道合作方对应的支付交易接口和支付活动信息发送至所述付款方终端,以向付款方展示本次订单的支付信息、可选用的支付渠道的支付交易接口和支付活动信息。After the verification of the scan link is passed, the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information are sent to the payer terminal to display the payment information of the order to the payer, and may be used. Payment transaction interface and payment activity information for the payment channel.
- 如权利要求1所述的支付方法,其特征在于,在所述扫描链接验证通过后,所述支付方法包括:The payment method according to claim 1, wherein after the verification of the scan link is passed, the payment method comprises:结合不同支付渠道合作方的支付活动信息,获取不同支付渠道合作方的历史使用数据;Combine the payment activity information of different payment channel partners to obtain historical usage data of different payment channel partners;根据本次订单的支付信息和不同支付渠道合作方的历史使用数据,预测不同支付渠道合作方完成本次订单时所需的支付交易额;According to the payment information of this order and the historical usage data of different payment channel partners, predict the payment transaction amount required by different payment channel partners to complete this order;比较所述不同支付渠道合作方的支付交易额,选取支付交易额最小的支付渠道作为最优支付渠道;Comparing the payment transaction amount of the different payment channel partners, and selecting the payment channel with the smallest payment transaction amount as the optimal payment channel;将所述最优支付渠道对应的支付交易接口发送至所述付款方终端,以引导付款方使用该最优支付渠道完成本次订单。Sending a payment transaction interface corresponding to the optimal payment channel to the payer terminal to guide the payer to complete the order using the optimal payment channel.
- 如权利要求1或2所述的支付方法,其特征在于,所述支付方法还包括:The payment method according to claim 1 or 2, wherein the payment method further comprises:调用RESTful接口获取付款方所选的支付渠道合作方在完成支付交易后返回的支付结果信息,将所述支付结果信息发送至付款方终端、收款方终端。The RESTful interface is invoked to obtain the payment result information returned by the payment channel partner selected by the payment party after completing the payment transaction, and the payment result information is sent to the payer terminal and the payee terminal.
- 如权利要求3所述的支付方法,其特征在于,在根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接后,所述支付方法还包括:The payment method according to claim 3, wherein after the generating the two-dimensional code link according to the order information, the payment channel partner and the payment activity information, the payment method further comprises:将所述二维码链接返回至收款方终端,以使得所述收款方终端根据所述二维码链接生成唯一的二维码信息并向付款方展示该二维码信息。The two-dimensional code link is returned to the payee terminal such that the payee terminal generates unique two-dimensional code information according to the two-dimensional code link and presents the two-dimensional code information to the payer.
- 如权利要求1或2所述的支付方法,其特征在于,所述根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接包括:The payment method according to claim 1 or 2, wherein the generating the two-dimensional code link according to the order information, the payment channel partner and the payment activity information thereof comprises:根据所述订单信息、支付渠道合作方及其支付活动信息生成所述支付渠道合作方共同对应的预支付交易单;Generating, according to the order information, the payment channel partner and the payment activity information, a pre-payment transaction form jointly corresponding to the payment channel partner;生成所述预支付交易单对应的二维码链接。Generating a two-dimensional code link corresponding to the pre-paid transaction slip.
- 一种支付装置,其特征在于,所述支付装置包括:A payment device, characterized in that the payment device comprises:订单获取模块,用于当接收到二维码生成接口的调用请求时,获取所述调用请求中由收款方终端传入的订单信息;An order obtaining module, configured to acquire, when the call request of the two-dimensional code generating interface is received, the order information input by the payee terminal in the calling request;渠道获取模块,用于调用RESTful接口,获取支付渠道合作方及其推送的支付活动信息;a channel acquisition module, configured to invoke a RESTful interface to obtain payment channel partners and their pushed payment activity information;链接生成模块,用于根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接;a link generation module, configured to generate a QR code link according to the order information, the payment channel partner, and the payment activity information thereof;信息发送模块,用于根据所述二维码链接生成唯一的二维码信息,将所述二维码信息发送至收款方终端,以供收款方向付款方展示该二维码信息;An information sending module, configured to generate unique two-dimensional code information according to the two-dimensional code link, and send the two-dimensional code information to a payee terminal, so that the payment direction display the two-dimensional code information;验证模块,用于获取付款方终端扫描所述二维码信息后提交的扫描链接,验证所述扫描链接;a verification module, configured to obtain a scan link submitted by the payment party terminal after scanning the two-dimensional code information, and verify the scan link;渠道发送模块,用于在所述扫描链接验证通过后,将所述订单信息、支付渠道合作方对应的支付交易接口和支付活动信息发送至所述付款方终端,以向付款方展示本次订单的支付信息、可选用的支付渠道的支付交易接口和支付活动信息。a channel sending module, configured to send the order information, a payment transaction interface corresponding to a payment channel partner, and payment activity information to the payer terminal after the scan link verification is passed, to display the order to the payer Payment information, payment transaction interface and payment activity information for optional payment channels.
- 如权利要求6所述的支付装置,其特征在于,在所述扫描链接验证通过后,所述支付装置包括:The payment device of claim 6, wherein after the verification of the scan link is passed, the payment device comprises:历史数据获取模块,用于结合不同支付渠道合作方的支付活动信息,获取不同支付渠道合作方的历史使用数据;The historical data acquisition module is configured to combine the payment activity information of different payment channel partners to obtain historical usage data of different payment channel partners;预测模块,用于根据本次订单的支付信息和不同支付渠道合作方的历史使用数据,预测不同支付渠道合作方完成本次订单时所需的支付交易额;The prediction module is configured to predict the amount of payment transactions required by the different payment channel partners to complete the order according to the payment information of the order and the historical usage data of the different payment channel partners;比较模块,用于比较所述不同支付渠道合作方的支付交易额,选取支付交易额最小的支付渠道作为最优支付渠道;a comparison module, configured to compare the payment transaction amount of the different payment channel partners, and select a payment channel with the smallest payment transaction amount as the optimal payment channel;渠道推荐模块,用于将所述最优支付渠道对应的支付交易接口发送至所述付款方终端,以引导付款方使用该最优支付渠道完成本次订单。And a channel recommendation module, configured to send the payment transaction interface corresponding to the optimal payment channel to the payer terminal, to guide the payer to use the optimal payment channel to complete the order.
- 如权利要求6或7所述的支付装置,其特征在于,所述支付装置还包括:The payment device according to claim 6 or 7, wherein the payment device further comprises:支付结果发送模块,用于调用RESTful接口获取付款方所选的支付渠道合作方在完成支付交易后返回的支付结果信息,将所述支付结果信息发送至付款方终端、收款方终端。The payment result sending module is configured to invoke the RESTful interface to obtain the payment result information returned by the payment channel partner selected by the payment party after completing the payment transaction, and send the payment result information to the payer terminal and the payee terminal.
- 如权利要求8所述的支付装置,其特征在于,所述支付装置还包括:The payment device of claim 8, wherein the payment device further comprises:链接发送模块,用于将所述二维码链接返回至收款方终端,以使得所述收款方终端根据所述二维码链接生成唯一的二维码信息并向付款方展示该二维码信息。a link sending module, configured to return the two-dimensional code link to the payee terminal, so that the payee terminal generates unique two-dimensional code information according to the two-dimensional code link and displays the two-dimensional code to the payer Code information.
- 如权利要求6或7所述的支付装置,其特征在于,所述链接生成模块具体用于:The payment device according to claim 6 or 7, wherein the link generation module is specifically configured to:根据所述订单信息、支付渠道合作方及其支付活动信息生成所述支付渠道合作方共同对应的预支付交易单;Generating, according to the order information, the payment channel partner and the payment activity information, a pre-payment transaction form jointly corresponding to the payment channel partner;生成所述预支付交易单对应的二维码链接。Generating a two-dimensional code link corresponding to the pre-paid transaction slip.
- 一个或多个存储有计算机可读指令的非易失性可读存储介质,其特征在于,所述计算机可读指令被一个或多个处理器执行时,使得所述一个或多个处理器执行如下步骤:One or more non-transitory readable storage mediums storing computer readable instructions, wherein when the computer readable instructions are executed by one or more processors, cause the one or more processors to execute The following steps:当接收到二维码生成接口的调用请求时,获取所述调用请求中由收款方终端传入的订单信息;Obtaining the order information introduced by the payee terminal in the call request when receiving the call request of the two-dimensional code generating interface;调用RESTful接口,获取支付渠道合作方及其推送的支付活动信息;Calling the RESTful interface to obtain payment channel partners and their pushed payment activity information;根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接;Generating a two-dimensional code link according to the order information, the payment channel partner, and the payment activity information thereof;根据所述二维码链接生成唯一的二维码信息,将所述二维码信息发送至收款方终端,以供收款方向付款方展示该二维码信息;Generating the unique two-dimensional code information according to the two-dimensional code link, and sending the two-dimensional code information to the payee terminal, so that the payment direction display the two-dimensional code information;获取付款方终端扫描所述二维码信息后提交的扫描链接,验证所述扫描链接;Obtaining a scan link submitted by the payer terminal after scanning the two-dimensional code information, and verifying the scan link;在所述扫描链接验证通过后,将所述订单信息、支付渠道合作方对应的支付交易接口和支付活动信息发送至所述付款方终端,以向付款方展示本次订单的支付信息、可选用的支付渠道的支付交易接口和支付活动信息。After the verification of the scan link is passed, the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information are sent to the payer terminal to display the payment information of the order to the payer, and may be used. Payment transaction interface and payment activity information for the payment channel.
- 如权利要求11所述的非易失性可读存储介质,其特征在于,在所述扫描链接验证通过后,所述计算机可读指令被一个或多个处理器执行时,使得所述一个或多个处理器执行如下步骤:A non-volatile readable storage medium as claimed in claim 11 wherein, after said scan link verification is passed, said computer readable instructions are executed by one or more processors such that said one or Multiple processors perform the following steps:结合不同支付渠道合作方的支付活动信息,获取不同支付渠道合作方的历史使用数据;Combine the payment activity information of different payment channel partners to obtain historical usage data of different payment channel partners;根据本次订单的支付信息和不同支付渠道合作方的历史使用数据,预测不同支付渠道合作方完成本次订单时所需的支付交易额;According to the payment information of this order and the historical usage data of different payment channel partners, predict the payment transaction amount required by different payment channel partners to complete this order;比较所述不同支付渠道合作方的支付交易额,选取支付交易额最小的支付渠道作为最优支付渠道;Comparing the payment transaction amount of the different payment channel partners, and selecting the payment channel with the smallest payment transaction amount as the optimal payment channel;将所述最优支付渠道对应的支付交易接口发送至所述付款方终端,以引导付款方使用该最优支付渠道完成本次订单。Sending a payment transaction interface corresponding to the optimal payment channel to the payer terminal to guide the payer to complete the order using the optimal payment channel.
- 如权利要求11或12所述的非易失性可读存储介质,其特征在于,所述计算机可读指令被一个或多个处理器执行时,使得所述一个或多个处理器还执行如下步骤:A non-volatile readable storage medium according to claim 11 or 12, wherein said computer readable instructions are executed by one or more processors such that said one or more processors further perform the following step:调用RESTful接口获取付款方所选的支付渠道合作方在完成支付交易后返回的支付结 果信息,将所述支付结果信息发送至付款方终端、收款方终端。The RESTful interface is invoked to obtain the payment result information returned by the payment channel partner selected by the payment party after completing the payment transaction, and the payment result information is sent to the payer terminal and the payee terminal.
- 如权利要求13所述的非易失性可读存储介质,其特征在于,在根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接后,所述计算机可读指令被一个或多个处理器执行时,使得所述一个或多个处理器还执行如下步骤:The non-volatile readable storage medium of claim 13, wherein the computer readable instructions are generated after generating a two-dimensional code link based on the order information, the payment channel partner, and the payment activity information thereof When the one or more processors are executed, the one or more processors are further configured to perform the following steps:将所述二维码链接返回至收款方终端,以使得所述收款方终端根据所述二维码链接生成唯一的二维码信息并向付款方展示该二维码信息。The two-dimensional code link is returned to the payee terminal such that the payee terminal generates unique two-dimensional code information according to the two-dimensional code link and presents the two-dimensional code information to the payer.
- 如权利要求11或12所述的非易失性可读存储介质,其特征在于,所述根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接包括:The non-volatile readable storage medium according to claim 11 or 12, wherein the generating the two-dimensional code link according to the order information, the payment channel partner and the payment activity information thereof comprises:根据所述订单信息、支付渠道合作方及其支付活动信息生成所述支付渠道合作方共同对应的预支付交易单;Generating, according to the order information, the payment channel partner and the payment activity information, a pre-payment transaction form jointly corresponding to the payment channel partner;生成所述预支付交易单对应的二维码链接。Generating a two-dimensional code link corresponding to the pre-paid transaction slip.
- 一种终端,包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机可读指令,其特征在于,所述处理器执行所述计算机可读指令时实现以下步骤:A terminal comprising a memory, a processor, and computer readable instructions stored on the memory and operable on the processor, wherein the processor, when executing the computer readable instructions, implements the following steps:当接收到二维码生成接口的调用请求时,获取所述调用请求中由收款方终端传入的订单信息;Obtaining the order information introduced by the payee terminal in the call request when receiving the call request of the two-dimensional code generating interface;调用RESTful接口,获取支付渠道合作方及其推送的支付活动信息;Calling the RESTful interface to obtain payment channel partners and their pushed payment activity information;根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接;Generating a two-dimensional code link according to the order information, the payment channel partner, and the payment activity information thereof;根据所述二维码链接生成唯一的二维码信息,将所述二维码信息发送至收款方终端,以供收款方向付款方展示该二维码信息;Generating the unique two-dimensional code information according to the two-dimensional code link, and sending the two-dimensional code information to the payee terminal, so that the payment direction display the two-dimensional code information;获取付款方终端扫描所述二维码信息后提交的扫描链接,验证所述扫描链接;Obtaining a scan link submitted by the payer terminal after scanning the two-dimensional code information, and verifying the scan link;在所述扫描链接验证通过后,将所述订单信息、支付渠道合作方对应的支付交易接口和支付活动信息发送至所述付款方终端,以向付款方展示本次订单的支付信息、可选用的支付渠道的支付交易接口和支付活动信息。After the verification of the scan link is passed, the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information are sent to the payer terminal to display the payment information of the order to the payer, and may be used. Payment transaction interface and payment activity information for the payment channel.
- 如权利要求16所述的终端,其特征在于,在所述扫描链接验证通过后,所述处理器执行所述计算机可读指令时实现以下步骤:The terminal of claim 16, wherein the processor performs the following steps when the processor executes the computer readable instructions after the scan link verification is passed:结合不同支付渠道合作方的支付活动信息,获取不同支付渠道合作方的历史使用数据;Combine the payment activity information of different payment channel partners to obtain historical usage data of different payment channel partners;根据本次订单的支付信息和不同支付渠道合作方的历史使用数据,预测不同支付渠道合作方完成本次订单时所需的支付交易额;According to the payment information of this order and the historical usage data of different payment channel partners, predict the payment transaction amount required by different payment channel partners to complete this order;比较所述不同支付渠道合作方的支付交易额,选取支付交易额最小的支付渠道作为最优支付渠道;Comparing the payment transaction amount of the different payment channel partners, and selecting the payment channel with the smallest payment transaction amount as the optimal payment channel;将所述最优支付渠道对应的支付交易接口发送至所述付款方终端,以引导付款方使用 该最优支付渠道完成本次订单。Sending a payment transaction interface corresponding to the optimal payment channel to the payer terminal to guide the payer to complete the order using the optimal payment channel.
- 如权利要求16或17所述的终端,其特征在于,所述处理器执行所述计算机可读指令时还实现以下步骤:The terminal according to claim 16 or 17, wherein said processor further implements the following steps when said computer readable instructions are executed:调用RESTful接口获取付款方所选的支付渠道合作方在完成支付交易后返回的支付结果信息,将所述支付结果信息发送至付款方终端、收款方终端。The RESTful interface is invoked to obtain the payment result information returned by the payment channel partner selected by the payment party after completing the payment transaction, and the payment result information is sent to the payer terminal and the payee terminal.
- 如权利要求18所述的终端,其特征在于,在根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接后,所述处理器执行所述计算机可读指令时还实现以下步骤:The terminal according to claim 18, wherein after the processor generates the two-dimensional code link according to the order information, the payment channel partner and the payment activity information, the processor further implements the computer readable instruction The following steps:将所述二维码链接返回至收款方终端,以使得所述收款方终端根据所述二维码链接生成唯一的二维码信息并向付款方展示该二维码信息。The two-dimensional code link is returned to the payee terminal such that the payee terminal generates unique two-dimensional code information according to the two-dimensional code link and presents the two-dimensional code information to the payer.
- 如权利要求16或17所述的终端,其特征在于,所述根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接包括:The terminal according to claim 16 or 17, wherein the generating a two-dimensional code link according to the order information, the payment channel partner and the payment activity information thereof comprises:根据所述订单信息、支付渠道合作方及其支付活动信息生成所述支付渠道合作方共同对应的预支付交易单;Generating, according to the order information, the payment channel partner and the payment activity information, a pre-payment transaction form jointly corresponding to the payment channel partner;生成所述预支付交易单对应的二维码链接。Generating a two-dimensional code link corresponding to the pre-paid transaction slip.
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CN107833040A (en) * | 2017-07-28 | 2018-03-23 | 平安科技(深圳)有限公司 | Method of payment, device, storage medium and terminal |
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