The invention relates to the field of electronic
payment, and provides an order automatic
decomposition and multi-mode
payment method and a
payment terminal applying the method. The
payment terminal comprises a touch display screen, a center
processing device, a power device, a standby emergency battery device, a commodity scanning device, a
gravity sensing device, a bill scanning device, a voice playing device, a POS paying device and a bill printing device. The method is a method for realizing multiple payment mediums or multiple payment
modes by automatically decomposing an order into a plurality of sub-orders, and comprises the following steps: S1, a to-be-paid order is received; 2, payment is failed due to insufficient fund of a user; S3, the user confirms automatic
decomposition of the order; S4, a plurality of payment sub-orders are re-generated; S5, payment sub-orders are confirmed and paid; and S6, all payments are completed to finish transaction. The payment method and the
payment terminal are especially suitable for the situation that a user carries scattered total amount of payment mediums, so that smooth transaction payment can be ensured, and the payment efficiency can be improved; and by combining with random payment switching of multiple payment mediums or multiple payment
modes, unnecessary payment process is reduced, and application is facilitated. The payment method and the
payment terminal are a reforming tendency in the field of electronic payment, and have a wide commercial prospect.