WO2020113400A1

WO2020113400A1 - Mobile payment method, apparatus, and device

Info

Publication number: WO2020113400A1
Application number: PCT/CN2018/119059
Authority: WO
Inventors: 唐维
Original assignee: 新加坡矩阵有限公司
Priority date: 2018-12-04
Filing date: 2018-12-04
Publication date: 2020-06-11
Also published as: CN113168628A

Abstract

A mobile payment method, apparatus, and device, the method comprising: scanning a payment code, the payment code comprising a payment account and a payment type of the payment account, the payment type and/or a receiving type of a receiving account being a digital certificate type (S201); and, on the basis of the payment account, the payment type, the receiving account, and the receiving type, requesting a payment system to implement payment (S202). The universality of mobile payment is thereby increased.

Description

移动支付方法、装置及设备Mobile payment method, device and equipment

技术领域Technical field

本申请涉及支付技术领域，例如涉及一种移动支付方法、装置及设备。This application relates to the field of payment technology, for example, to a mobile payment method, device, and equipment.

背景技术Background technique

随着计算机技术的快速发展，移动支付方式的应用越来越广泛，例如，在用户购买商品时，用户可以向商家展示支付码，商品通过收款终端(例如POS机等)扫描支付码，以实现移动支付。With the rapid development of computer technology, the application of mobile payment methods is becoming more and more extensive. For example, when a user purchases a product, the user can show the payment code to the merchant, and the product scans the payment code through the payment terminal (such as a POS machine, etc.) Realize mobile payment.

在相关技术中，在移动支付过程中，通常支持人民币、美元、欧元等的交易，均无法实现数字凭证(记账凭证)的交易，这样，当收款方或者付款方的账号为数字凭证类型时，无法实现移动支付。由上可知，相关技术中的移动支付方式的通用性较差。In the related technology, in the process of mobile payment, transactions of RMB, USD, Euro, etc. are usually supported, and digital voucher (accounting voucher) transactions cannot be realized. In this way, when the account number of the payee or payer is a digital voucher type At this time, mobile payment cannot be realized. As can be seen from the above, the versatility of mobile payment methods in the related art is poor.

发明内容Summary of the invention

本公开实施例提供一种移动支付方法、装置及设备，提高了移动支付的通用性。Embodiments of the present disclosure provide a mobile payment method, device, and equipment, which improve the versatility of mobile payment.

第一方面，本公开实施例提供一种移动支付方法包括：In a first aspect, an embodiment of the present disclosure provides a mobile payment method including:

扫描支付码，所述支付码中包括付款账号和付款账号的付款类型，所述付款类型和/或收款账号的收款类型为数字凭证类型；Scan the payment code, the payment code includes the payment account number and the payment type of the payment account, and the payment type and/or the payment type of the payment account is a digital certificate type;

根据所述付款账号、所述付款类型、所述收款账号和所述收款类型，请求支付***进行支付。According to the payment account number, the payment type, the collection account number, and the collection type, the payment system is requested to make a payment.

在一种可能的实施方式中，所述根据所述付款账号、所述付款类型、所述收款账号和所述收款类型，请求支付***进行支付，包括：In a possible implementation manner, the requesting the payment system to make a payment according to the payment account number, the payment type, the collection account number, and the collection type includes:

获取第一金额，所述第一金额为所述付款账号待支付给所述收款账号的所述付款类型的金额，或者所述第一金额为所述收款账号待收取所述付款账号的所述收款类型的金额；Acquiring a first amount, the first amount being the amount of the payment type to be paid by the payment account to the collection account, or the first amount being the payment account to be collected by the collection account The amount of the said collection type;

根据所述第一金额、所述付款账号、所述付款类型、所述收款账号和所述收款类型，进行移动支付。Perform mobile payment according to the first amount, the payment account number, the payment type, the collection account number, and the collection type.

在一种可能的实施方式中，所述第一金额为所述付款账号待支付给所述收款账号的所述付款类型的金额；所述获取第一金额，包括：In a possible implementation manner, the first amount is the amount of the payment type to be paid by the payment account to the collection account; the obtaining the first amount includes:

在所述支付码中获取所述第一金额。Obtain the first amount in the payment code.

在一种可能的实施方式中，所述第一金额为所述收款账号待收取所述付款账号的所述收款类型的金额；所述获取第一金额，包括：In a possible implementation manner, the first amount is the amount of the collection type of the payment account to be collected by the collection account; the obtaining the first amount includes:

接收用户在收款终端中输入的所述第一金额。Receiving the first amount entered by the user in the payment terminal.

在一种可能的实施方式中，所述根据所述第一金额、所述付款账号、所述付款类型、所述收款账号和所述收款类型，进行移动支付，包括：In a possible implementation manner, the performing mobile payment according to the first amount, the payment account number, the payment type, the collection account number, and the collection type includes:

判断所述收款类型和所述付款类型是否相同；Determine whether the collection type and the payment type are the same;

在所述收款类型和所述付款类型相同时，根据所述第一金额、所述付款账户和所述收款账号，请求所述支付***进行支付；When the payment type and the payment type are the same, request the payment system to make a payment based on the first amount, the payment account, and the payment account;

在所述收款类型和所述付款类型不相同时，根据所述第一金额的款项类型、所述第一金额、所述付款账号和所述收款账号，请求所述支付***进行支付。When the payment type and the payment type are different, according to the payment type of the first amount, the first amount, the payment account number, and the payment account number, the payment system is requested to make a payment.

在一种可能的实施方式中，所述根据所述第一金额、所述付款账户和所述收款账号，请求所述支付***进行支付，包括：In a possible implementation manner, the requesting the payment system to make a payment based on the first amount, the payment account, and the collection account includes:

向所述支付***发送第一支付请求，所述第一支付请求中包括所述第一金额、所述付款账号和所述收款账号，所述第一支付请求消息用于指示所述支付***在所述付款账号中扣除所述第一金额的款项，并向所述收款账号存入所述第一金额的款项。Sending a first payment request to the payment system, where the first payment request includes the first amount, the payment account number, and the collection account number, and the first payment request message is used to instruct the payment system Deduct the amount of the first amount from the payment account, and deposit the amount of the first amount to the collection account.

在一种可能的实施方式中，所述第一金额为所述付款类型的金额；所述根据所述第一金额的款项类型、所述第一金额、所述付款账号和所述收款账号，请求所述支付***进行支付，包括：In a possible implementation manner, the first amount is an amount of the payment type; the amount type according to the first amount, the first amount, the payment account number, and the collection account number , Requesting payment from the payment system, including:

根据所述第一金额、所述付款类型和所述收款类型，确定收款类型的第二金额；Determine the second amount of the payment type according to the first amount, the payment type and the payment type;

向所述支付***发送第二支付请求，所述第二支付请求中包括所述第一金额、所述第二金额、所述付款账号和所述收款账号，所述第二支付请求用于指示所述支付***在所述付款账号中扣除所述第一金额的款项，并向所述收款账号存入所述第二金额的款项。Sending a second payment request to the payment system, where the second payment request includes the first amount, the second amount, the payment account number, and the collection account number, and the second payment request is used for Instructing the payment system to deduct the first amount of money from the payment account and deposit the second amount of money into the collection account.

在一种可能的实施方式中，所述第一金额为所述收款类型的金额；所述根据所述第一金额的款项类型、所述第一金额、所述付款账号和所述收款账号，请求所述支付***进行支付，包括：In a possible implementation manner, the first amount is an amount of the collection type; the payment type according to the first amount, the first amount, the payment account number, and the collection Account number, requesting payment by the payment system, including:

根据所述第一金额、所述付款类型和所述收款类型，确定付款类型的第三金额；Determine the third amount of the payment type according to the first amount, the payment type and the collection type;

向所述支付***发送第三支付请求，所述第三支付请求中包括所述第一金额、所述第三金额、所述付款账号和所述收款账号，所述第三支付请求用于指示所述支付***在所述付款账号中扣除所述第三金额的款项，并向所述收款账号存入所述第一金额的款项。Sending a third payment request to the payment system, where the third payment request includes the first amount, the third amount, the payment account number, and the collection account number, and the third payment request is used to Instructing the payment system to deduct the third amount of money from the payment account and deposit the first amount of money into the collection account.

在一种可能的实施方式中，在所述第一金额为所述付款账号待支付给所述收款账号的所述付款类型的金额时，所述支付码为付款终端根据所述付款账号、所述付款类型和所述第一金额生成的。In a possible implementation manner, when the first amount is the amount of the payment type to be paid by the payment account to the collection account, the payment code is the payment terminal according to the payment account, The payment type and the first amount are generated.

在一种可能的实施方式中，在所述第一金额为所述收款账号待收取所述付款账号的所述收款类型的金额时，所述支付码为所述付款终端根据所述付款账号和所述付款类型生成的。In a possible implementation manner, when the first amount is the amount of the collection type of the payment account to be collected by the collection account, the payment code is the payment terminal according to the payment The account number and the payment type are generated.

第二方面，本公开实施例提供一种移动支付装置，包括扫描模块和支付模块；In a second aspect, an embodiment of the present disclosure provides a mobile payment device, including a scanning module and a payment module;

所述扫描模块配置为，扫描支付码，所述支付码中包括付款账号和付款账号的付款类型，所述付款类型和/或收款账号的收款类型为数字凭证类型；The scanning module is configured to scan a payment code, where the payment code includes a payment account number and a payment type of the payment account number, and the payment type and/or payment type of the payment account number is a digital certificate type;

所述支付模块配置为，根据所述付款账号、所述付款类型、所述收款账号和所述收款类型，请求支付***进行支付。The payment module is configured to request a payment system to make a payment based on the payment account number, the payment type, the collection account number, and the collection type.

在一种可能的实施方式中，所述装置包括获取模块，In a possible implementation manner, the device includes an acquisition module,

所述获取模块配置为，获取第一金额，所述第一金额为所述付款账号待支付给所述收款账号的所述付款类型的金额，或者所述第一金额为所述收款账号待收取所述付款账号的所述收款类型的金额；The acquisition module is configured to acquire a first amount, the first amount is the amount of the payment type to be paid to the collection account by the payment account, or the first amount is the collection account The amount of the collection type of the payment account to be collected;

所述支付模块配置为，根据所述第一金额、所述付款账号、所述付款类型、所述收款账号和所述收款类型，进行移动支付。The payment module is configured to perform mobile payment based on the first amount, the payment account number, the payment type, the collection account number, and the collection type.

在一种可能的实施方式中，所述第一金额为所述付款账号待支付给所述收款账号的所述付款类型的金额；In a possible implementation manner, the first amount is the amount of the payment type to be paid by the payment account to the collection account;

所述获取模块配置为，在所述支付码中获取所述第一金额。The obtaining module is configured to obtain the first amount in the payment code.

在一种可能的实施方式中，所述第一金额为所述收款账号待收取所述付款账号的所述收款类型的金额；In a possible implementation manner, the first amount is the amount of the collection type of the collection account to be collected by the collection account;

所述获取模块配置为，接收用户在收款终端中输入的所述第一金额。The acquisition module is configured to receive the first amount entered by the user in the payment terminal.

在一种可能的实施方式中，所述支付模块配置为：In a possible implementation manner, the payment module is configured to:

在一种可能的实施方式中，所述第一金额为所述付款类型的金额；所述支付模块配置为：In a possible implementation manner, the first amount is an amount of the payment type; the payment module is configured to:

在一种可能的实施方式中，所述第一金额为所述收款类型的金额；所述支付模块配置为：In a possible implementation manner, the first amount is an amount of the collection type; the payment module is configured to:

第三方面，本公开实施例提供一种计算机，其特征在于，包含第二方面任一项所述的装置。According to a third aspect, an embodiment of the present disclosure provides a computer, characterized by comprising the device according to any one of the second aspect.

第四方面，本公开实施例提供一种电子设备，其特征在于，包括：According to a fourth aspect, an embodiment of the present disclosure provides an electronic device, which includes:

至少一个处理器；以及At least one processor; and

与所述至少一个处理器通信连接的存储器；其中，A memory communicatively connected to the at least one processor; wherein,

所述存储器存储有可被所述至少一个处理器执行的指令，所述指令被所述至少一个处理器执行时，使所述至少一个处理器执行第一方面任一项所述的方法。The memory stores instructions executable by the at least one processor, and when the instructions are executed by the at least one processor, causes the at least one processor to perform the method of any one of the first aspects.

第五方面，本公开实施例提供一种计算机可读存储介质，其特征在于，存储有计算机可执行指令，所述计算机可执行指令设置为执行第一方面任一项所述的方法。According to a fifth aspect, an embodiment of the present disclosure provides a computer-readable storage medium, characterized in that computer-executable instructions are stored, and the computer-executable instructions are configured to perform the method according to any one of the first aspects.

第六方面，本公开实施例提供一种计算机程序产品，其特征在于，所述计算机程序产品包括存储在计算机可读存储介质上的计算机程序，所述计算机程序包括程序指令，当所述程序指令被计算机执行时，使所述计算机执行第一方面任一项所述的方法。According to a sixth aspect, an embodiment of the present disclosure provides a computer program product, characterized in that the computer program product includes a computer program stored on a computer-readable storage medium, and the computer program includes program instructions, when the program instructions When executed by a computer, the computer is caused to perform the method of any one of the first aspects.

本公开实施例提供的移动支付方法、装置及设备，在进行移动支付时，付款终端可以生成支付码，支付码中包括付款账号和付款账号的付款类型，付款类型和/或收款账号的收款类型数字凭证类型，并由收款终端扫描支付码，以获取付款账号和付款账号的支付类型，收款终端可以根据付款账号、付款类型、收款账号和收款类型，请求支付***进行支付。在上述过程中，付款类型和收款类型中的至少一个数字凭证类型，通过上述方法可以实现数字凭证的移动支付，提高了移动支付方式的通用性。In the mobile payment method, device and equipment provided by the embodiments of the present disclosure, when performing mobile payment, the payment terminal may generate a payment code, and the payment code includes the payment account and the payment type of the payment account, the payment type and/or the collection account Payment type digital voucher type, and the payment terminal scans the payment code to obtain the payment account and the payment type of the payment account. The payment terminal can request the payment system to pay based on the payment account, payment type, collection account and collection type . In the above process, at least one of the digital voucher type of the payment type and the collection type can realize the mobile payment of the digital voucher through the above method, which improves the versatility of the mobile payment method.

附图说明BRIEF DESCRIPTION

一个或多个实施例通过与之对应的附图进行示例性说明，这些示例性说明和附图并不构成对实施例的限定，附图中具有相同参考数字标号的元件示为类似的元件，附图不构成比例限制，并且其中：One or more embodiments are exemplified by the corresponding drawings. These exemplary descriptions and the drawings do not constitute a limitation on the embodiments. Elements with the same reference numerals in the drawings are shown as similar elements. The drawings do not constitute a proportional limitation, and among them:

图1为本公开实施例提供的移动支付的***架构图；FIG. 1 is a system architecture diagram of a mobile payment provided by an embodiment of the present disclosure;

图2为本公开实施例提供的一种移动支付方法的流程示意图；2 is a schematic flowchart of a mobile payment method provided by an embodiment of the present disclosure;

图3为本公开实施例提供的另一种移动支付方法的流程示意图；3 is a schematic flowchart of another mobile payment method provided by an embodiment of the present disclosure;

图4为本公开实施例提供的一种移动支付装置的结构示意图；4 is a schematic structural diagram of a mobile payment device according to an embodiment of the present disclosure;

图5为本公开实施例提供的一种移动支付装置的结构示意图；5 is a schematic structural diagram of a mobile payment device according to an embodiment of the present disclosure;

图6为本公开实施例提供的电子设备的结构示意图。6 is a schematic structural diagram of an electronic device provided by an embodiment of the present disclosure.

具体实施方式detailed description

为了能够更加详尽地了解本公开实施例的特点与技术内容，下面结合附图对本公开实施例的实现进行详细阐述，所附附图仅供参考说明之用，并非用来限定本公开实施例。在以下的技术描述中，为方便解释起见，通过多个细节以提供对所披露实施例的充分理解。然而，在没有这些细节的情况下，一个或多个实施例仍然可以实施。在其它情况下，为简化附图，熟知的结构和装置可以简化展示。In order to understand the features and technical contents of the embodiments of the present disclosure in more detail, the following describes the implementation of the embodiments of the present disclosure in detail with reference to the drawings. The accompanying drawings are for reference only and are not intended to limit the embodiments of the present disclosure. In the following technical description, for convenience of explanation, various details are provided to provide a sufficient understanding of the disclosed embodiments. However, without these details, one or more embodiments can still be implemented. In other cases, to simplify the drawings, well-known structures and devices can be simplified.

图1为本公开实施例提供的移动支付的***架构图。请参见图1，包括付款终端101、收款终端102和支付***103。FIG. 1 is a system architecture diagram of mobile payment provided by an embodiment of the present disclosure. Please refer to FIG. 1, which includes a payment terminal 101, a payment terminal 102 and a payment system 103.

可选的，付款终端101可以为手机、电脑等设备。付款终端绑定付款账号，付款终端101可以根据实际交易生成付款账号对应的支付码。付款账号支持的付款类型可以为数字凭证类型。Optionally, the payment terminal 101 may be a mobile phone, a computer, and other devices. The payment terminal is bound to a payment account, and the payment terminal 101 can generate a payment code corresponding to the payment account according to the actual transaction. The payment type supported by the payment account can be a digital certificate type.

可选的，收款终端102可以为POS机、手机、电脑等设备。收款终端绑定收款账号，收款终端102可以对支付码进行扫描，并向支付***103发送支付请求，以请求支付***将对应的款项支付至收款账号。收款账号支持的收款类型可以为数字凭证类型。Optionally, the payment terminal 102 may be a POS machine, mobile phone, computer, or other devices. The payment terminal is bound to the payment account, and the payment terminal 102 can scan the payment code and send a payment request to the payment system 103 to request the payment system to pay the corresponding payment to the payment account. The collection type supported by the collection account can be a digital certificate type.

可选的，支付***103可以接收支付请求，并根据支付请求对付款账号进行扣款以及向付款账号进行付款。Optionally, the payment system 103 may receive the payment request, and deduct the payment account and pay the payment account according to the payment request.

在本申请中，在进行移动支付时，付款终端可以生成支付码，支付码中包括付款账号和付款账号的付款类型，付款类型和/或收款账号的收款类型数字凭证类型，并由收款终端扫描支付码，以获取付款账号和付款账号的支付类型，收款终端可以根据付款账号、付款类型、收款账号和收款类型，请求支付***进行支付。在上述过程中，付款类型和收款类型中的至少一个数字凭证类型，通过上述方法可以实现数字凭证的移动支付，提高了移动支付方式的通用性。In this application, during mobile payment, the payment terminal may generate a payment code, which includes the payment account number and the payment type of the payment account, the payment type and/or the payment type of the payment account, and the digital voucher type. The payment terminal scans the payment code to obtain the payment account and the payment type of the payment account. The collection terminal can request the payment system to make a payment based on the payment account, payment type, collection account, and payment type. In the above process, at least one of the digital voucher type of the payment type and the collection type can realize the mobile payment of the digital voucher through the above method, which improves the universality of the mobile payment method.

下面，通过实施例对本申请所示的技术方案进行说明。下面几个实施例可以为单独的实施例，也可以相互结合，对于相同或相似的内容，在不同的实施例不再进行重复说明。The technical solution shown in the present application will be described below by way of examples. The following embodiments may be separate embodiments, or may be combined with each other. For the same or similar content, repeated description will not be repeated in different embodiments.

图2为本公开实施例提供的一种移动支付方法的流程示意图。请参见图2，该方法可以包括：FIG. 2 is a schematic flowchart of a mobile payment method according to an embodiment of the present disclosure. Please refer to FIG. 2, the method may include:

S201、扫描支付码，支付码中包括付款账号和付款账号的付款类型，付款类型和/或收款账号的收款类型为数字凭证类型。S201. Scan the payment code, the payment code includes the payment account number and the payment type of the payment account, and the payment type and/or the payment type of the payment account is a digital certificate type.

本公开实施例的执行主体可以为收款终端，也可以为设置在收款终端中的移动支付装置。The execution subject of the embodiment of the present disclosure may be a payment terminal or a mobile payment device provided in the payment terminal.

可选的，支付码为支付终端生成。Optionally, the payment code is generated for the payment terminal.

可选的，支付终端可以通过至少如下两种可行的实现方式生成支付码：Optionally, the payment terminal may generate the payment code through at least the following two feasible implementation methods:

第一种可行的实现方式：The first feasible implementation method:

可选的，支付终端根据付款账号和付款账号的付款类型生成的。Optionally, the payment terminal is generated according to the payment account and the payment type of the payment account.

可选的，支付终端中可以安装有支付应用程序，该支付应用程序与付款账号具有绑定关系。支付终端获取支付应用程序绑定的付款账号和付款类型，并根据账号和付款类型生成支付码。Optionally, a payment application may be installed in the payment terminal, and the payment application has a binding relationship with the payment account. The payment terminal obtains the payment account number and payment type bound to the payment application, and generates a payment code according to the account number and payment type.

可选的，在支付应用程序绑定两个或者两个以上的付款账号时，则可以由用户设置默认的付款账号，则支付终端设备可以根据默认的付款账号和对应的付款类型生成支付码，或者，可以由用户选择付款账号，相应的，支付终端可以根据用户选择的付款账号和对应的付款类型生成支付码。Optionally, when the payment application is bound to two or more payment accounts, the user can set a default payment account, and the payment terminal device can generate a payment code according to the default payment account and the corresponding payment type, Alternatively, the user may select a payment account, and accordingly, the payment terminal may generate a payment code according to the payment account selected by the user and the corresponding payment type.

在该种可行的实现方式中，支付码中包括付款账号和付款类型，支付码中不包括付款金额。In this feasible implementation manner, the payment code includes the payment account number and payment type, and the payment code does not include the payment amount.

第二种可行的实现方式：The second feasible implementation method:

可选的，支付终端根据付款金额(从付款账号扣除的金额)、付款账号、付款账号的付款类型生成的。Optionally, the payment terminal is generated according to the payment amount (the amount deducted from the payment account), the payment account, and the payment type of the payment account.

可选的，付款金额可以为用户在支付终端中输入的。Optionally, the payment amount may be entered by the user in the payment terminal.

可选的，支付终端中可以安装有支付应用程序，该支付应用程序与付款账号具有绑定关系。在支付终端中打开支付应用程序之后，用户可以在支付应用程序中输入付款金额，则支付终端根据接收到的付款金额、支付应用程序绑定的付款账号和付款类型生成支付码。Optionally, a payment application may be installed in the payment terminal, and the payment application has a binding relationship with the payment account. After opening the payment application in the payment terminal, the user can enter the payment amount in the payment application, and the payment terminal generates a payment code according to the received payment amount, the payment account bound to the payment application, and the payment type.

可选的，在支付应用程序绑定两个或者两个以上的付款账号时，则可以由用户设置默认的付款账号，则支付终端设备可以根据默认的付款账号、对应的付款类型和支付金额生成支付码，或者，可以由用户选择付款账号，相应的，支付终端设备可以根据用户选择的付款账号、对应的付款类型和支付金额生成支付码。Optionally, when the payment application is bound to two or more payment accounts, the user can set a default payment account, and the payment terminal device can be generated according to the default payment account, the corresponding payment type, and the payment amount The payment code, or, the user may select the payment account, and accordingly, the payment terminal device may generate the payment code according to the payment account selected by the user, the corresponding payment type, and the payment amount.

在该种可行的实现方式中，支付码中包括付款账号、付款类型和付款金额。In this feasible implementation, the payment code includes the payment account number, payment type, and payment amount.

支付终端还可以通过其它可行的实现方式生成支付码，本公开实施例对此不作限定。The payment terminal may also generate payment codes through other feasible implementation methods, which is not limited in the embodiments of the present disclosure.

可选的，收款终端中可以设置摄像装置，收款终端可以通过摄像装置扫描支付码。Optionally, a camera device may be provided in the payment terminal, and the payment terminal may scan the payment code through the camera device.

可选的，在收款终端扫描支付码的过程中，收款终端可以对支付码进行识别，以获取付款账号、付款类型等信息。Optionally, in the process of the payment terminal scanning the payment code, the payment terminal may identify the payment code to obtain information such as the payment account number and payment type.

S202、根据付款账号、付款类型、收款账号和收款类型，请求支付***进行支付。S202. According to the payment account number, payment type, collection account number, and collection type, request the payment system to make a payment.

可选的，收款终端还绑定有收款账号。Optionally, the collection terminal is also bound with a collection account.

收款终端可以获取收款账号、收款账号的收款类型，并根据付款账号、付款类型、收款账号和收款类型，请求支付***进行支付。The collection terminal can obtain the collection account number, the collection type of the collection account, and request the payment system to pay according to the payment account number, payment type, collection account number, and collection type.

可选的，收款终端还可以获取第一金额，并根据第一金额、付款账号、付款类型、收款账户、收款类型，请求支付***进行支付。Optionally, the collection terminal can also obtain the first amount, and request the payment system to pay according to the first amount, payment account number, payment type, collection account, and collection type.

可选的，第一金额可以为付款账号待支付给收款账号的付款类型的金额，或者，第一金额可以为收款账号待收取付款账号的收款类型的金额。Optionally, the first amount may be the amount of the payment type to be paid by the payment account to the collection account, or the first amount may be the amount of the payment type to be collected by the payment account.

可选的，在第一金额为付款账号待支付给收款账号的付款类型的金额时，可以在支付码中获取第一金额。Optionally, when the first amount is the amount of the payment type to be paid by the payment account to the collection account, the first amount can be obtained in the payment code.

可选的，在第一金额为收款账号待收取付款账号的收款类型的金额时，第一金额可以为用户在收款终端中输入的。Optionally, when the first amount is the amount of the collection type of the payment account to be collected by the collection account, the first amount may be entered by the user in the collection terminal.

可选的，可以判断收款类型和付款类型是否相同；在收款类型和付款类型相同时，根据第一金额、付款账户和收款账号，请求支付***进行支付；在收款类型和付款类型不相同时，根据第一金额的款项类型、第一金额、付款账号和收款账号，请求支付***进行支付。Optionally, you can determine whether the payment type and payment type are the same; when the payment type and payment type are the same, request the payment system to pay based on the first amount, payment account, and payment account; in the payment type and payment type When they are not the same, the payment system is requested to make payment according to the type of the first amount of money, the first amount, the payment account number and the collection account number.

可选的，支付***可以包括数字凭证服务器、支付应用程序服务器等。Optionally, the payment system may include a digital certificate server, a payment application server, and so on.

本公开实施例提供的移动支付方法，在进行移动支付时，付款终端可以生成支付码，支付码中包括付款账号和付款账号的付款类型，付款类型和/或收款账号的收款类型数字凭证类型，并由收款终端扫描支付码，以获取付款账号和付款账号的支付类型，收款终端可以根据付款账号、付款类型、收款账号和收款类型，请求支付***进行支付。在上述过程中，付款类型和收款类型中的至少一个数字凭证类型，通过上述方法可以实现数字凭证的移动支付，提高了移动支付方式的通用性。In the mobile payment method provided by the embodiment of the present disclosure, when performing mobile payment, the payment terminal may generate a payment code, and the payment code includes the payment account and the payment type of the payment account, the payment type and/or the payment type digital certificate of the payment account Type, and the payment terminal scans the payment code to obtain the payment account and the payment type of the payment account. The payment terminal can request the payment system to pay based on the payment account, payment type, collection account, and payment type. In the above process, at least one of the digital voucher type of the payment type and the collection type can realize the mobile payment of the digital voucher through the above method, which improves the versatility of the mobile payment method.

在上述任意一个实施例的基础上，下面，通过图4所示的实施例，对移动支付方法进行详细说明。Based on any of the above embodiments, the mobile payment method will be described in detail below through the embodiment shown in FIG. 4.

图3为本公开实施例提供的另一种移动支付方法的流程示意图。请参见图3，该方法可以包括：FIG. 3 is a schematic flowchart of another mobile payment method according to an embodiment of the present disclosure. Please refer to FIG. 3, the method may include:

S301、扫描支付码。S301. Scan the payment code.

可选的，S301的执行过程可以参见S201的执行过程，此处不再进行赘述。Optionally, the execution process of S301 can be referred to the execution process of S201, and will not be repeated here.

S302、获取付款账号和付款类型。S302. Obtain a payment account number and payment type.

在收款终端扫描支付码的过程中，可以对支付码进行解析，以获取付款账号和付款类型。In the process of scanning the payment code at the payment terminal, the payment code can be parsed to obtain the payment account number and payment type.

S303、获取收款账号和收款类型。S303. Obtain the payment account number and payment type.

可选的，收款终端中预设有收款账号和收端账号的类型。Optionally, the collection terminal presets the collection account number and the type of the collection account number.

S304、获取第一金额。S304. Obtain the first amount.

可选的，在收款终端解析支付码之后，可以判断支付码中是否包括付款金额。在支付码中包括付款金额时，则将付款金额确定为第一金额。在支付码中不包括付款金额时，则获取用户在收款终端中输入的收款金额，并将收款金额确定为第一金额。Optionally, after the payment terminal parses the payment code, it may be determined whether the payment code includes the payment amount. When the payment amount is included in the payment code, the payment amount is determined as the first amount. When the payment amount is not included in the payment code, the payment amount entered by the user in the collection terminal is obtained, and the payment amount is determined as the first amount.

S305、判断付款类型和收款类型是否相同。S305. Determine whether the payment type and the payment type are the same.

若是，则执行S306。If yes, execute S306.

若否，则执行S307。If not, S307 is executed.

S306、根据第一金额、付款账号和收款账号，请求支付***进行支付。S306. According to the first amount, the payment account number and the collection account number, request the payment system to make a payment.

可选的，收款终端可以向支付***发送第一支付请求，第一支付请求中包括第一金额、付款账号和收款账号，第一支付请求消息用于指示支付***在付款账号中扣除第一金额的款项，并向收款账号存入第一金额的款项。Optionally, the payment terminal may send a first payment request to the payment system, where the first payment request includes the first amount, the payment account number, and the collection account number. The first payment request message is used to instruct the payment system to deduct the payment amount from the payment account. One amount of money, and deposit the first amount of money to the collection account.

可选的，支付***可以在付款账号中扣除第一金额的款项，并向收款账号存入第一金额的款项。Optionally, the payment system may deduct the first amount of money from the payment account and deposit the first amount of money into the collection account.

S307、根据第一金额的款项类型、第一金额、付款账号和收款账号，请求支付***进行支付。S307. According to the type of the first amount of money, the first amount, the payment account number and the collection account number, request the payment system to make a payment.

可选的，第一金额的款项类型包括付款类型和收款类型。Optionally, the payment type of the first amount includes a payment type and a payment type.

可选的，在第一金额为在支付码中获取得到的时，则第一金额的款项类型为付款类型。Optionally, when the first amount is obtained from the payment code, the type of the first amount is the payment type.

可选的，在第一金额为用户在收款终端中输入的时，则第一金额的款项类型为收款类型。Optionally, when the first amount is entered by the user in the collection terminal, the type of the first amount is the type of collection.

当第一金额的款项类型不同时，请求支付***进行支付的过程也不同，下面，分别对第一金额为不同款项类型时，请求支付***进行支付的过程进行说明：When the type of the first amount of money is different, the process of requesting the payment system to make a payment is also different. Below, the process of requesting the payment system to make a payment when the first amount is a different type of money is explained separately:

一种可行的实现方式：第一金额的款项类型为付款类型A feasible implementation method: the payment type of the first amount is the payment type

在该种可行的实现方式中，可以根据第一金额、付款类型和收款类型，确定收款类型的第二金额；向支付***发送第二支付请求，第二支付请求中包括第一金额、第二金额、付款账号和收款账号，第二支付请求用于指示支付***在付款账号中扣除第一金额的款项，并向收款账号存入第二金额的款项。In this feasible implementation, the second amount of the payment type can be determined according to the first amount, payment type, and payment type; a second payment request is sent to the payment system, and the second payment request includes the first amount, The second amount, the payment account number and the collection account number. The second payment request is used to instruct the payment system to deduct the first amount of money from the payment account number and deposit the second amount of money into the collection account number.

可选的，付款类型的第一金额与收款类型的第二金额为等价值的。Optionally, the first amount of the payment type and the second amount of the collection type are of equal value.

在支付***接收到第二支付请求之后，支付***在付款账号中扣除第一金额的款项，并向收款账号存入第二金额的款项。After the payment system receives the second payment request, the payment system deducts the first amount of money from the payment account and deposits the second amount of money into the collection account.

支付***在付款账号中扣除的为付款类型的款项。支付***在收款账号中存入的为收款类型的款项。The payment system deducts the payment type from the payment account. The payment system deposits the payment type in the collection account.

另一种可行的实现方式，第一金额的款项类型为收款类型Another feasible implementation method, the type of the first amount of payment is the type of collection

在该种可行的实现方式中，可以根据第一金额、付款类型和收款类型，确定付款类型的第三金额；向支付***发送第三支付请求，第三支付请求中包括第一金额、第三金额、付款账号和收款账号，第三支付请求用于指示支付***在付款账号中扣除第三金额的款项，并向收款账号存入第一金额的款项。In this feasible implementation manner, the third amount of the payment type can be determined according to the first amount, payment type, and collection type; a third payment request is sent to the payment system, and the third payment request includes the first amount, the first The three amounts, the payment account number and the collection account number. The third payment request is used to instruct the payment system to deduct the third amount of money from the payment account number and deposit the first amount of money into the collection account number.

可选的，收款类型的第一金额与付款类型的第三金额为等价值的。Optionally, the first amount of the payment type and the third amount of the payment type are equivalent.

在支付***接收到第三支付请求之后，支付***在付款账号中扣除第三金额的款项，并向收款账号存入第一金额的款项。After the payment system receives the third payment request, the payment system deducts the third amount of money from the payment account and deposits the first amount of money into the collection account.

在图3所示的实施例中，在进行移动支付时，付款终端可以生成支付码，支付码中包括付款账号和付款账号的付款类型，付款类型和/或收款账号的收款类型数字凭证类型，并由收款终端扫描支付码，以获取付款账号和付款账号的支付类型，收款终端可以根据付款账号、付款类型、收款账号和收款类型，请求支付***进行支付。在上述过程中，付款类型和收款类型中的至少一个数字凭证类型，通过上述方法可以实现数字凭证的移动支付，提高了移动支付方式的通用性。In the embodiment shown in FIG. 3, when performing mobile payment, the payment terminal may generate a payment code, which includes the payment account and the payment type of the payment account, the payment type and/or the payment type digital certificate of the payment account Type, and the payment terminal scans the payment code to obtain the payment account and the payment type of the payment account. The payment terminal can request the payment system to pay according to the payment account, payment type, collection account and collection type. In the above process, at least one of the digital voucher type of the payment type and the collection type can realize the mobile payment of the digital voucher through the above method, which improves the versatility of the mobile payment method.

图4为本公开实施例提供的一种移动支付装置的结构示意图。请参见图4，该移动支付装置10可以包括扫描模块11和支付模块12；4 is a schematic structural diagram of a mobile payment device according to an embodiment of the present disclosure. Referring to FIG. 4, the mobile payment device 10 may include a scanning module 11 and a payment module 12;

所述扫描模块11配置为，扫描支付码，所述支付码中包括付款账号和付款账号的付款类型，所述付款类型和/或收款账号的收款类型为数字凭证类型；The scanning module 11 is configured to scan a payment code, where the payment code includes a payment account number and a payment type of the payment account number, and the payment type and/or collection type of the collection account is a digital certificate type;

所述支付模块12配置为，根据所述付款账号、所述付款类型、所述收款账号和所述收款类型，请求支付***进行支付。The payment module 12 is configured to request the payment system to make a payment based on the payment account number, the payment type, the collection account number, and the collection type.

本公开实施例提供的移动支付装置可以执行上述方法实施例所示的技术方案，其实现原理以及有益效果类似，此处不再进行赘述。The mobile payment device provided by the embodiments of the present disclosure can execute the technical solutions shown in the above method embodiments, and its implementation principles and beneficial effects are similar, which will not be repeated here.

图5为本公开实施例提供的一种移动支付装置的结构示意图。在图4所示实施例的基础上，请参见图5，移动支付装置10还包括获取模块13，5 is a schematic structural diagram of a mobile payment device according to an embodiment of the present disclosure. Based on the embodiment shown in FIG. 4, please refer to FIG. 5, the mobile payment device 10 further includes an acquisition module 13,

所述获取模块13配置为，获取第一金额，所述第一金额为所述付款账号待支付给所述收款账号的所述付款类型的金额，或者所述第一金额为所述收款账号待收取所述付款账号的所述收款类型的金额；The obtaining module 13 is configured to obtain a first amount, the first amount is the amount of the payment type to be paid by the payment account to the collection account, or the first amount is the collection The account is to be charged the amount of the collection type of the payment account;

所述支付模块12配置为，根据所述第一金额、所述付款账号、所述付款类型、所述收款账号和所述收款类型，进行移动支付。The payment module 12 is configured to perform mobile payment based on the first amount, the payment account number, the payment type, the collection account number, and the collection type.

所述获取模块13配置为，在所述支付码中获取所述第一金额。The obtaining module 13 is configured to obtain the first amount in the payment code.

所述获取模块13配置为，接收用户在收款终端中输入的所述第一金额。The obtaining module 13 is configured to receive the first amount entered by the user in the payment terminal.

在一种可能的实施方式中，所述支付模块12配置为：In a possible implementation manner, the payment module 12 is configured to:

在一种可能的实施方式中，所述第一金额为所述付款类型的金额；所述支付模块12配置为：In a possible implementation manner, the first amount is an amount of the payment type; the payment module 12 is configured to:

在一种可能的实施方式中，所述第一金额为所述收款类型的金额；所述支付模块12配置为：In a possible implementation manner, the first amount is an amount of the collection type; the payment module 12 is configured to:

本公开实施例还提供了一种计算机，包含上述的移动支付装置。An embodiment of the present disclosure also provides a computer, including the above mobile payment device.

本公开实施例还提供了一种计算机可读存储介质，存储有计算机可执行指令，所述计算机可执行指令设置为执行上述移动支付方法。An embodiment of the present disclosure also provides a computer-readable storage medium that stores computer-executable instructions that are configured to execute the mobile payment method described above.

本公开实施例还提供了一种计算机程序产品，所述计算机程序产品包括存储在计算机可读存储介质上的计算机程序，所述计算机程序包括程序指令，当所述程序指令被计算机执行时，使所述计算机执行上述移动支付方法。An embodiment of the present disclosure also provides a computer program product. The computer program product includes a computer program stored on a computer-readable storage medium. The computer program includes program instructions. When the program instructions are executed by a computer, the The computer executes the above mobile payment method.

上述的计算机可读存储介质可以是暂态计算机可读存储介质，也可以是非暂态计算机可读存储介质。The aforementioned computer-readable storage medium may be a transient computer-readable storage medium or a non-transitory computer-readable storage medium.

图6为本公开实施例提供的电子设备的结构示意图。请参见图6，该电子设备20包括：6 is a schematic structural diagram of an electronic device provided by an embodiment of the present disclosure. Referring to FIG. 6, the electronic device 20 includes:

至少一个处理器(processor)21，图6中以一个处理器21为例；和存储器(memory)22，还可以包括通信接口(Communication Interface)23和总线24。其中，处理器21、通信接口23、存储器22可以通过总线24完成相互间的通信。通信接口24可以用于信息传输。处理器21可以调用存储器22中的逻辑指令，以执行上述实施例的移动支付方法。At least one processor (processor) 21, one processor 21 is taken as an example in FIG. 6; and the memory (memory) 22 may further include a communication interface (Communication) 23 and a bus 24. Among them, the processor 21, the communication interface 23, and the memory 22 can communicate with each other through the bus 24. The communication interface 24 can be used for information transmission. The processor 21 may call logic instructions in the memory 22 to execute the mobile payment method of the above embodiment.

此外，上述的存储器22中的逻辑指令可以通过软件功能单元的形式实现并作为独立的产品销售或使用时，可以存储在一个计算机可读取存储介质中。In addition, the logic instructions in the above-mentioned memory 22 may be implemented in the form of software functional units and sold or used as an independent product, and may be stored in a computer-readable storage medium.

存储器22作为一种计算机可读存储介质，可用于存储软件程序、计算机可执行程序，如本公开实施例中的方法对应的程序指令/模块。处理器21通过运行存储在存储器22中的软件程序、指令以及模块，从而执行功能应用以及数据处理，即实现上述方法实施例中的移动支付方法。The memory 22 is a computer-readable storage medium and can be used to store software programs and computer-executable programs, such as program instructions/modules corresponding to the methods in the embodiments of the present disclosure. The processor 21 executes functional applications and data processing by running software programs, instructions, and modules stored in the memory 22, that is, implementing the mobile payment method in the foregoing method embodiments.

存储器22可包括存储程序区和存储数据区，其中，存储程序区可存储操作***、至少一个功能所需的应用程序；存储数据区可存储根据终端设备的使用所创建的数据等。此外，存储器22可以包括高速随机存取存储器，还可以包括非易失性存储器。The memory 22 may include a storage program area and a storage data area, where the storage program area may store an operating system and application programs required for at least one function; the storage data area may store data created according to the use of a terminal device and the like. In addition, the memory 22 may include a high-speed random access memory, and may also include a non-volatile memory.

本公开实施例的技术方案可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质中，包括一个或多个指令用以使得一台计算机设备(可以是个人计算机，服务器，或者网络设备等)执行本公开实施例所述方法的全部或部分步骤。而前述的存储介质可以是非暂态存储介质，包括：U盘、移动硬盘、只读存储器(ROM，Read-Only Memory)、随机存取存储器(RAM，Random Access Memory)、磁碟或者光盘等多种可以存储程序代码的介质，也可以是暂态存储介质。The technical solutions of the embodiments of the present disclosure may be embodied in the form of software products, which are stored in a storage medium and include one or more instructions to make a computer device (which may be a personal computer, server, or network) Equipment, etc.) to perform all or part of the steps of the method described in the embodiments of the present disclosure. The aforementioned storage medium may be a non-transitory storage medium, including: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic disk or optical disk, etc. A medium that can store program codes may also be a transient storage medium.

本申请所涉及的数字凭证可以为数字货币，数字货币可以是比特币等加密货币。The digital certificate involved in this application may be a digital currency, and the digital currency may be an encrypted currency such as Bitcoin.

当用于本申请中时，虽然术语“第一”、“第二”等可能会在本申请中使用以描述各元件，但这些元件不应受到这些术语的限制。这些术语仅用于将一个元件与另一个元件区别开。比如，在不改变描述的含义的情况下，第一元件可以叫做第二元件，并且同样第，第二元件可以叫做第一元件，只要所有出现的“第一元件”一致重命名并且所有出现的“第二元件”一致重命名即可。第一元件和第二元件都是元件，但可以不是相同的元件。When used in this application, although the terms "first", "second", etc. may be used in this application to describe various elements, these elements should not be limited by these terms. These terms are only used to distinguish one element from another. For example, without changing the meaning of the description, the first element can be called the second element, and likewise, the second element can be called the first element, as long as all occurrences of the "first element" are consistently renamed and all occurrences of The "second component" can be renamed consistently. The first element and the second element are both elements, but they may not be the same element.

本申请中使用的用词仅用于描述实施例并且不用于限制权利要求。如在实施例以及权利要求的描述中使用的，除非上下文清楚地表明，否则单数形式的“一个”(a)、“一个”(an)和“所述”(the)旨在同样包括复数形式。类似地，如在本申请中所使用的术语“和/或”是指包含一个或一个以上相关联的列出的任何以及所有可能的组合。另外，当用于本申请中时，术语“包括”(comprise)及其变型“包括”(comprises)和/或包括(comprising)等指陈述的特征、整体、步骤、操作、元素，和/或组件的存在，但不排除一个或一个以上其它特征、整体、步骤、操作、元素、组件和/或这些的分组的存在或添加。The terms used in this application are only used to describe the embodiments and are not used to limit the claims. As used in the description of the embodiments and claims, unless the context clearly indicates otherwise, the singular forms "a", "an" and "said" are intended to include plural forms as well . Similarly, the term "and/or" as used in this application is meant to include any and all possible combinations of one or more associated lists. In addition, when used in this application, the term "comprise" and its variations "comprises" and/or includes etc. refer to the stated features, wholes, steps, operations, elements, and/or The presence of components does not exclude the presence or addition of one or more other features, wholes, steps, operations, elements, components, and/or groups of these.

所描述的实施例中的各方面、实施方式、实现或特征能够单独使用或以任意组合的方式使用。所描述的实施例中的各方面可由软件、硬件或软硬件的结合实现。所描述的实施例也可以由存储有计算机可读代码的计算机可读介质体现，该计算机可读代码包括可由至少一个计算装置执行的指令。所述计算机可读介质可与任何能够存储数据的数据存储装置相关联，该数据可由计算机***读取。用于举例的计算机可读介质可以包括只读存储器、随机存取存储器、CD-ROM、HDD、DVD、磁带以及光数据存储装置等。所述计算机可读介质还可以分布于通过网络联接的计算机***中，这样计算机可读代码就可以分布式存储并执行。The various aspects, implementations, implementations or features in the described embodiments can be used alone or in any combination. Various aspects in the described embodiments may be implemented by software, hardware, or a combination of software and hardware. The described embodiments may also be embodied by a computer-readable medium that stores computer-readable code including instructions executable by at least one computing device. The computer-readable medium can be associated with any data storage device capable of storing data, which can be read by a computer system. Computer-readable media used for examples may include read-only memory, random access memory, CD-ROM, HDD, DVD, magnetic tape, optical data storage devices, and the like. The computer-readable medium may also be distributed in computer systems connected through a network, so that computer-readable codes can be stored and executed in a distributed manner.

上述技术描述可参照附图，这些附图形成了本申请的一部分，并且通过描述在附图中示出了依照所描述的实施例的实施方式。虽然这些实施例描述的足够详细以使本领域技术人员能够实现这些实施例，但这些实施例是非限制性的；这样就可以使用其它的实施例，并且在不脱离所描述的实施例的范围的情况下还可以做出变化。比如，流程图中所描述的操作顺序是非限制性的，因此在流程图中阐释并且根据流程图描述的两个或两个以上操作的顺序可以根据若干实施例进行改变。作为另一个例子，在若干实施例中，在流程图中阐释并且根据流程图描述的一个或一个以上操作是可选的，或是可删除的。另外，某些步骤或功能可以添加到所公开的实施例中，或两个以上的步骤顺序被置换。所有这些变化被认为包含在所公开的实施例以及权利要求中。The above technical description may refer to the accompanying drawings, which form a part of the present application, and the description shows an implementation according to the described embodiments in the drawings. Although these embodiments are described in sufficient detail to enable those skilled in the art to implement these embodiments, these embodiments are non-limiting; so that other embodiments can be used without departing from the scope of the described embodiments Changes can also be made under circumstances. For example, the sequence of operations described in the flowchart is non-limiting, so the sequence of two or more operations explained in the flowchart and described according to the flowchart may be changed according to several embodiments. As another example, in several embodiments, one or more operations illustrated in the flowchart and described in accordance with the flowchart are optional or may be deleted. In addition, certain steps or functions may be added to the disclosed embodiments, or two or more steps may be replaced in sequence. All these changes are considered to be included in the disclosed embodiments and claims.

另外，上述技术描述中使用术语以提供所描述的实施例的透彻理解。然而，并不需要过于详细的细节以实现所描述的实施例。因此，实施例的上述描述是为了阐释和描述而呈现的。上述描述中所呈现的实施例以及根据这些实施例所公开的例子是单独提供的，以添加上下文并有助于理解所描述的实施例。上述说明书不用于做到无遗漏或将所描述的实施例限制到本公开的精确形式。根据上述教导，若干修改、选择适用以及变化是可行的。在某些情况下，没有详细描述为人所熟知的处理步骤以避免不必要地影响所描述的实施例。In addition, terminology is used in the above technical description to provide a thorough understanding of the described embodiments. However, no excessively detailed details are required to implement the described embodiments. Therefore, the above description of the embodiments is presented for explanation and description. The embodiments presented in the above description and the examples disclosed according to these embodiments are provided separately to add context and help to understand the described embodiments. The above description is not intended to be without omission or to limit the described embodiments to the precise form of this disclosure. Based on the above teachings, several modifications, choices and changes are possible. In some cases, well-known processing steps are not described in detail to avoid unnecessarily affecting the described embodiments.

Claims

一种移动支付方法，其特征在于，包括：A mobile payment method, characterized in that it includes:

扫描支付码，所述支付码中包括付款账号和付款账号的付款类型，所述付款类型和/或收款账号的收款类型为数字凭证类型；Scan the payment code, the payment code includes the payment account number and the payment type of the payment account, and the payment type and/or the payment type of the payment account is a digital certificate type;

根据所述付款账号、所述付款类型、所述收款账号和所述收款类型，请求支付***进行支付。According to the payment account number, the payment type, the collection account number, and the collection type, the payment system is requested to make a payment.
根据权利要求1所述的方法，其特征在于，所述根据所述付款账号、所述付款类型、所述收款账号和所述收款类型，请求支付***进行支付，包括：The method according to claim 1, wherein the requesting the payment system to make a payment according to the payment account number, the payment type, the collection account number, and the collection type includes:

获取第一金额，所述第一金额为所述付款账号待支付给所述收款账号的所述付款类型的金额，或者所述第一金额为所述收款账号待收取所述付款账号的所述收款类型的金额；Acquiring a first amount, the first amount being the amount of the payment type to be paid by the payment account to the collection account, or the first amount being the payment account to be collected by the collection account The amount of the said collection type;

根据所述第一金额、所述付款账号、所述付款类型、所述收款账号和所述收款类型，进行移动支付。Perform mobile payment according to the first amount, the payment account number, the payment type, the collection account number, and the collection type.
根据权利要求2所述的方法，其特征在于，所述第一金额为所述付款账号待支付给所述收款账号的所述付款类型的金额；所述获取第一金额，包括：The method according to claim 2, wherein the first amount is the amount of the payment type to be paid by the payment account to the collection account; the obtaining the first amount includes:

在所述支付码中获取所述第一金额。Obtain the first amount in the payment code.
根据权利要求2所述的方法，其特征在于，所述第一金额为所述收款账号待收取所述付款账号的所述收款类型的金额；所述获取第一金额，包括：The method according to claim 2, wherein the first amount is the amount of the collection type of the payment account to be collected by the collection account; the obtaining the first amount includes:

接收用户在收款终端中输入的所述第一金额。Receiving the first amount entered by the user in the payment terminal.
根据权利要求2-4任一项所述的方法，其特征在于，所述根据所述第一金额、所述付款账号、所述付款类型、所述收款账号和所述收款类型，进行移动支付，包括：The method according to any one of claims 2-4, characterized in that, according to the first amount, the payment account number, the payment type, the collection account number, and the collection type, Mobile payment, including:

判断所述收款类型和所述付款类型是否相同；Determine whether the collection type and the payment type are the same;

在所述收款类型和所述付款类型相同时，根据所述第一金额、所述付款账户和所述收款账号，请求所述支付***进行支付；When the payment type and the payment type are the same, request the payment system to make a payment based on the first amount, the payment account, and the payment account;

在所述收款类型和所述付款类型不相同时，根据所述第一金额的款项类型、所述第一金额、所述付款账号和所述收款账号，请求所述支付***进行支付。When the payment type and the payment type are different, according to the payment type of the first amount, the first amount, the payment account number, and the payment account number, the payment system is requested to make a payment.
根据权利要求5所述的方法，其特征在于，所述根据所述第一金额、所述付款账户和所述收款账号，请求所述支付***进行支付，包括：The method according to claim 5, wherein the requesting the payment system to make a payment based on the first amount, the payment account, and the collection account includes:

向所述支付***发送第一支付请求，所述第一支付请求中包括所述第一金额、所述付款账号和所述收款账号，所述第一支付请求消息用于指示所述支付***在所述付款账号中扣除所述第一金额的款项，并向所述收款账号存入所述第一金额的款项。Sending a first payment request to the payment system, where the first payment request includes the first amount, the payment account number, and the collection account number, and the first payment request message is used to instruct the payment system Deduct the amount of the first amount from the payment account, and deposit the amount of the first amount to the collection account.
根据权利要求5所述的方法，其特征在于，所述第一金额为所述付款类型的金额；所述根据所述第一金额的款项类型、所述第一金额、所述付款账号和所述收款账号，请求所述支付***进行支付，包括：The method according to claim 5, characterized in that the first amount is an amount of the payment type; the type of payment according to the first amount, the first amount, the payment account number and all Describe the payment account, and request the payment system to pay, including:

根据所述第一金额、所述付款类型和所述收款类型，确定收款类型的第二金额；Determine the second amount of the payment type according to the first amount, the payment type and the payment type;

向所述支付***发送第二支付请求，所述第二支付请求中包括所述第一金额、所述第二金额、所述付款账号和所述收款账号，所述第二支付请求用于指示所述支付***在所述付款账号中扣除所述第一金额的款项，并向所述收款账号存入所述第二金额的款项。Sending a second payment request to the payment system, where the second payment request includes the first amount, the second amount, the payment account number, and the collection account number, and the second payment request is used for Instructing the payment system to deduct the first amount of money from the payment account and deposit the second amount of money into the collection account.
根据权利要求5所述的方法，其特征在于，所述第一金额为所述收款类型的金额；所述根据所述第一金额的款项类型、所述第一金额、所述付款账号和所述收款账号，请求所述支付***进行支付，包括：The method according to claim 5, wherein the first amount is an amount of the collection type; the type of the amount according to the first amount, the first amount, the payment account number and The payment account requesting the payment system to make a payment includes:

根据所述第一金额、所述付款类型和所述收款类型，确定付款类型的第三金额；Determine the third amount of the payment type according to the first amount, the payment type and the collection type;

向所述支付***发送第三支付请求，所述第三支付请求中包括所述第一金额、所述第三金额、所述付款账号和所述收款账号，所述第三支付请求用于指示所述支付***在所述付款账号中扣除所述第三金额的款项，并向所述收款账号存入所述第一金额的款项。Sending a third payment request to the payment system, where the third payment request includes the first amount, the third amount, the payment account number, and the collection account number, and the third payment request is used to Instructing the payment system to deduct the third amount of money from the payment account and deposit the first amount of money into the collection account.
根据权利要求5所述的方法，其特征在于，The method of claim 5, wherein:

在所述第一金额为所述付款账号待支付给所述收款账号的所述付款类型的金额时，所述支付码为付款终端根据所述付款账号、所述付款类型和所述第一金额生成的。When the first amount is the amount of the payment type to be paid by the payment account to the collection account, the payment code is the payment terminal according to the payment account, the payment type and the first The amount is generated.
根据权利要求5所述的方法，其特征在于，The method of claim 5, wherein:

在所述第一金额为所述收款账号待收取所述付款账号的所述收款类型的金额时，所述支付码为所述付款终端根据所述付款账号和所述付款类型生成的。When the first amount is the amount of the collection type of the payment account to be collected by the collection account, the payment code is generated by the payment terminal according to the payment account and the payment type.
一种移动支付装置，其特征在于，包括扫描模块和支付模块；A mobile payment device, characterized in that it includes a scanning module and a payment module;

所述扫描模块配置为，扫描支付码，所述支付码中包括付款账号和付款账号的付款类型，所述付款类型和/或收款账号的收款类型为数字凭证类型；The scanning module is configured to scan a payment code, where the payment code includes a payment account number and a payment type of the payment account number, and the payment type and/or payment type of the payment account number is a digital certificate type;

所述支付模块配置为，根据所述付款账号、所述付款类型、所述收款账号和所述收款类型，请求支付***进行支付。The payment module is configured to request a payment system to make a payment based on the payment account number, the payment type, the collection account number, and the collection type.
根据权利要求11所述的装置，其特征在于，所述装置包括获取模块，The device according to claim 11, wherein the device comprises an acquisition module,

所述获取模块配置为，获取第一金额，所述第一金额为所述付款账号待支付给所述收款账号的所述付款类型的金额，或者所述第一金额为所述收款账号待收取所述付款账号的所述收款类型的金额；The acquisition module is configured to acquire a first amount, the first amount is the amount of the payment type to be paid to the collection account by the payment account, or the first amount is the collection account The amount of the collection type of the payment account to be collected;

所述支付模块配置为，根据所述第一金额、所述付款账号、所述付款类型、所述收款账号和所述收款类型，进行移动支付。The payment module is configured to perform mobile payment based on the first amount, the payment account number, the payment type, the collection account number, and the collection type.
根据权利要求12所述的装置，其特征在于，所述第一金额为所述付款账号待支付给所述收款账号的所述付款类型的金额；The device according to claim 12, wherein the first amount is an amount of the payment type to be paid to the collection account by the payment account;

所述获取模块配置为，在所述支付码中获取所述第一金额。The obtaining module is configured to obtain the first amount in the payment code.
根据权利要求12所述的装置，其特征在于，所述第一金额为所述收款账号待收取所述付款账号的所述收款类型的金额；The device according to claim 12, wherein the first amount is an amount of the collection type of the payment account to be collected by the collection account;

所述获取模块配置为，接收用户在收款终端中输入的所述第一金额。The acquisition module is configured to receive the first amount entered by the user in the payment terminal.
根据权利要求12-14任一项所述的装置，其特征在于，所述支付模块配置为：The device according to any one of claims 12-14, wherein the payment module is configured to:

判断所述收款类型和所述付款类型是否相同；Determine whether the collection type and the payment type are the same;

在所述收款类型和所述付款类型相同时，根据所述第一金额、所述付款账户和所述收款账号，请求所述支付***进行支付；When the payment type and the payment type are the same, request the payment system to make a payment based on the first amount, the payment account, and the payment account;

在所述收款类型和所述付款类型不相同时，根据所述第一金额的款项类型、所述第一金额、所述付款账号和所述收款账号，请求所述支付***进行支付。When the payment type and the payment type are different, according to the payment type of the first amount, the first amount, the payment account number, and the payment account number, the payment system is requested to make a payment.
根据权利要求15所述的装置，其特征在于，所述支付模块配置为：The apparatus according to claim 15, wherein the payment module is configured to:

向所述支付***发送第一支付请求，所述第一支付请求中包括所述第一金额、所述付款账号和所述收款账号，所述第一支付请求消息用于指示所述支付***在所述付款账号中扣除所述第一金额的款项，并向所述收款账号存入所述第一金额的款项。Sending a first payment request to the payment system, where the first payment request includes the first amount, the payment account number, and the collection account number, and the first payment request message is used to instruct the payment system Deduct the amount of the first amount from the payment account, and deposit the amount of the first amount to the collection account.
根据权利要求15所述的装置，其特征在于，所述第一金额为所述付款类型的金额；所述支付模块配置为：The apparatus according to claim 15, wherein the first amount is an amount of the payment type; the payment module is configured to:

根据所述第一金额、所述付款类型和所述收款类型，确定收款类型的第二金额；Determine the second amount of the payment type according to the first amount, the payment type and the payment type;

向所述支付***发送第二支付请求，所述第二支付请求中包括所述第一金额、所述第二金额、所述付款账号和所述收款账号，所述第二支付请求用于指示所述支付***在所述付款账号中扣除所述第一金额的款项，并向所述收款账号存入所述第二金额的款项。Sending a second payment request to the payment system, where the second payment request includes the first amount, the second amount, the payment account number, and the collection account number, and the second payment request is used for Instructing the payment system to deduct the first amount of money from the payment account and deposit the second amount of money into the collection account.
根据权利要求15所述的装置，其特征在于，所述第一金额为所述收款类型的金额；所述支付模块配置为：The device according to claim 15, wherein the first amount is an amount of the collection type; the payment module is configured to:

根据所述第一金额、所述付款类型和所述收款类型，确定付款类型的第三金额；Determine the third amount of the payment type according to the first amount, the payment type and the collection type;

向所述支付***发送第三支付请求，所述第三支付请求中包括所述第一金额、所述第三金额、所述付款账号和所述收款账号，所述第三支付请求用于指示所述支付***在所述付款账号中扣除所述第三金额的款项，并向所述收款账号存入所述第一金额的款项。Sending a third payment request to the payment system, where the third payment request includes the first amount, the third amount, the payment account number, and the collection account number, and the third payment request is used to Instructing the payment system to deduct the third amount of money from the payment account and deposit the first amount of money into the collection account.
根据权利要求15所述的装置，其特征在于，The device according to claim 15, characterized in that

在所述第一金额为所述付款账号待支付给所述收款账号的所述付款类型的金额时，所述支付码为付款终端根据所述付款账号、所述付款类型和所述第一金额生成的。When the first amount is the amount of the payment type to be paid by the payment account to the collection account, the payment code is the payment terminal according to the payment account, the payment type and the first The amount is generated.
根据权利要求15所述的装置，其特征在于，The device according to claim 15, characterized in that

在所述第一金额为所述收款账号待收取所述付款账号的所述收款类型的金额时，所述支付码为所述付款终端根据所述付款账号和所述付款类型生成的。When the first amount is the amount of the collection type of the payment account to be collected by the collection account, the payment code is generated by the payment terminal according to the payment account and the payment type.
一种计算机，其特征在于，包含权利要求11-20任一项所述的装置。A computer, characterized by comprising the device according to any one of claims 11-20.
一种电子设备，其特征在于，包括：An electronic device, characterized in that it includes:

至少一个处理器；以及At least one processor; and

与所述至少一个处理器通信连接的存储器；其中，A memory communicatively connected to the at least one processor; wherein,

所述存储器存储有可被所述至少一个处理器执行的指令，所述指令被所述至少一个处理器执行时，使所述至少一个处理器执行权利要求1-10任一项所述的方法。The memory stores instructions executable by the at least one processor, and when the instructions are executed by the at least one processor, causes the at least one processor to perform the method of any one of claims 1-10 .
一种计算机可读存储介质，其特征在于，存储有计算机可执行指令，所述计算机可执行指令设置为执行权利要求1-10任一项所述的方法。A computer-readable storage medium, characterized in that computer-executable instructions are stored, the computer-executable instructions being set to perform the method of any one of claims 1-10.
一种计算机程序产品，其特征在于，所述计算机程序产品包括存储在计算机可读存储介质上的计算机程序，所述计算机程序包括程序指令，当所述程序指令被计算机执行时，使所述计算机执行权利要求1-10任一项所述的方法。A computer program product, characterized in that the computer program product includes a computer program stored on a computer-readable storage medium, the computer program includes program instructions, and when the program instructions are executed by a computer, the computer Performing the method of any one of claims 1-10.