Payment system, method and device, storage medium and electronic equipment

Abstract

The embodiment of the invention discloses a payment system, an interactive interface is displayed through a display screen on an unaccepted device, a user performs man-machine interaction with the unaccepted device through the interactive interface, and the unaccepted device can participate in a marketing activity in response to the man-machine interaction. The marketing platform randomly determines a preferential amount and returns the preferential amount to the non-accepting equipment, and the non-accepting equipment determines a to-be-paid amount according to the commodity amount of the to-be-settled commodity and the preferential amount during next payment, and sends a payment request to the settlement system according to the to-be-paid amount and the payment identifier of the user; and the settlement system completes payment settlement according to the to-be-paid amount and the payment identifier. According to the system, in the payment process of the user, the marketing activity participation process triggered by the man-machine interaction between the user and the unaccepted equipment is added, so that the user can participate in the marketing activity while the user performs offline payment, and the perception of the user on the marketing activity is enhanced through man-machine interaction.

Description

Technical Field

[0001] This specification relates to the field of computer technology, and in particular to a payment system, method, device, storage medium, and electronic device. Background Art

[0002] With the development of e-commerce, people are becoming more and more accustomed to online retail business. However, online retail cannot completely replace offline retail.

[0003] Currently, to facilitate offline payments in offline retail settings, contactless payment devices that support various contactless communication methods are widely used. Using these devices, users can complete offline payments through various methods, including QR code scanning, facial recognition, and contactless electronic payment.

[0004] How to facilitate users to pay offline while also enabling them to participate in marketing activities using non-accepting devices and enhance their perception of marketing activities is an urgent problem to be solved. Summary of the Invention

[0005] The embodiments of this specification provide a payment system, method, device, storage medium, and electronic device to partially solve the problems existing in the above-mentioned prior art.

[0006] The embodiments of this specification adopt the following technical solutions: This specification provides a payment system, which includes: a user terminal, a non-accepting processing device, a marketing platform, and a settlement system; wherein: The non-receiving and processing device has a display screen, configured to display an interactive interface through the display screen, and send an activity participation request to the marketing platform in response to a human-computer interaction between the first user and the non-receiving and processing device through the interactive interface; The marketing platform is configured to randomly determine a discount amount based on the activity participation request, and return the discount amount to the non-receiving device; The non-accepting device is configured to determine the amount to be paid based on the amount of the product corresponding to the product to be settled and the discount amount, obtain the payment identifier of the second user based on contactless communication with the user terminal of the second user, and send a payment request to the settlement system based on the amount to be paid and the payment identifier; The user terminal of the second user is used to perform contactless communication with the non-receiving device; The settlement system determines the payment account corresponding to the payment identifier according to the payment identifier carried in the payment request, and performs settlement payment according to the payment account and the amount to be paid.

[0007] This specification provides a payment method, which is applied to a non-accepting device with a display screen, and includes: The non-receiving processing device displays an interactive interface through the display screen; In response to the first user's human-computer interaction with the non-processing device through the interactive interface, sending an activity participation request to the marketing platform; Receiving a discount amount randomly determined and returned by the marketing platform based on the activity participation request; determining the amount to be paid based on the amount of the product corresponding to the product to be settled and the discount amount; and obtaining the payment identifier of the second user based on contactless communication with the user terminal of the second user; Based on the amount to be paid and the payment identifier, a payment request is sent to the settlement system, so that the settlement system determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and performs settlement payment based on the payment account and the amount to be paid.

[0008] This specification provides a payment method, which includes: Receiving an activity participation request sent by a non-receiving device; wherein the activity participation request is sent by the non-receiving device in response to a human-computer interaction between a first user and the non-receiving device, and the human-computer interaction is performed by the first user through an interactive interface displayed by the non-receiving device; Randomly determine the discount amount based on the activity participation request; The preferential amount is returned to the non-accepting processing device, so that the non-accepting processing device determines the amount to be paid based on the product amount corresponding to the product to be settled and the preferential amount, and sends a payment request to the settlement system based on the amount to be paid and the payment identifier of the second user obtained, so that the settlement system determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and makes settlement payment based on the payment account and the amount to be paid; wherein, the payment identifier is obtained by the non-accepting processing device based on contactless communication with the user terminal of the second user.

[0009] This specification provides a payment method, which includes: Receiving an activity participation request sent by a non-receiving device; wherein the activity participation request is sent by a computer program deployed on the non-receiving device in response to a human-computer interaction between a first user and the non-receiving device, and the human-computer interaction is performed by the first user through an interactive interface displayed by the non-receiving device; Sending the activity participation request to the marketing platform, so that the marketing platform randomly determines the discount amount based on the activity participation request; Receive the discount amount returned by the marketing platform, and return the discount amount to the non-receiving processing device, so that the non-receiving processing device determines the amount to be paid based on the product amount corresponding to the product to be settled and the discount amount, and obtains the payment identifier of the second user based on the contactless communication with the user terminal of the second user, and sends a payment request to the settlement system based on the amount to be paid and the payment identifier, so that the settlement system determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and makes settlement payment based on the payment account and the amount to be paid.

[0010] This specification provides a payment device, which is applied to a non-accepting device with a display screen, and includes: An interaction module, configured to display an interaction interface via the display screen; and send an activity participation request to a marketing platform in response to a human-computer interaction between the first user and the non-processing device via the interaction interface; A receiving module, configured to receive a discount amount randomly determined and returned by the marketing platform according to the activity participation request; a determination module, configured to determine the amount to be paid based on the amount of the product corresponding to the product to be settled and the preferential amount; and to obtain the payment identifier of the second user based on contactless communication with the user terminal of the second user; The sending module is used to send a payment request to the settlement system based on the amount to be paid and the payment identifier, so that the settlement system determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and performs settlement payment based on the payment account and the amount to be paid.

[0011] This specification provides a payment device, comprising: a receiving module, configured to receive an activity participation request sent by a non-receiving device; wherein the activity participation request is sent by the non-receiving device in response to a human-computer interaction between a first user and the non-receiving device, wherein the human-computer interaction is performed by the first user through an interactive interface displayed by the non-receiving device; A determination module, configured to randomly determine a discount amount based on the activity participation request; A sending module is used to return the preferential amount to the non-accepting processing device, so that the non-accepting processing device determines the amount to be paid based on the product amount corresponding to the product to be settled and the preferential amount, and sends a payment request to the settlement system based on the amount to be paid and the payment identifier of the second user obtained, so that the settlement system determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and makes settlement payment based on the payment account and the amount to be paid; wherein, the payment identifier is obtained by the non-accepting processing device based on contactless communication with the user terminal of the second user.

[0012] This specification provides a payment device, comprising: a receiving module configured to receive an activity participation request sent by a non-receiving device; wherein the activity participation request is sent by a computer program deployed on the non-receiving device in response to a human-computer interaction between a first user and the non-receiving device, wherein the human-computer interaction is performed by the first user through an interactive interface displayed by the non-receiving device; A sending module, configured to send the activity participation request to the marketing platform, so that the marketing platform randomly determines the discount amount according to the activity participation request; The receiving module is also used to receive the discount amount returned by the marketing platform and return the discount amount to the non-receiving processing device, so that the non-receiving processing device determines the amount to be paid based on the product amount corresponding to the product to be settled and the discount amount, and obtains the payment identifier of the second user based on the contactless communication with the user terminal of the second user, and sends a payment request to the settlement system based on the amount to be paid and the payment identifier, so that the settlement system determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and makes settlement payment based on the payment account and the amount to be paid.

[0013] This specification provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, the above-mentioned payment method is implemented.

[0014] This specification provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned payment method when executing the program.

[0015] At least one of the above technical solutions adopted in the embodiments of this specification can achieve the following beneficial effects: The embodiments of this specification disclose a payment system that displays an interactive interface on a non-accepting device, allowing users to interact with the non-accepting device through the interactive interface. In response to the human-computer interaction, the non-accepting device can participate in marketing activities. The marketing platform randomly determines the discount amount and returns it to the non-accepting device. The non-accepting device then determines the amount to be paid based on the amount of the goods to be settled and the discount amount at the next payment, and sends a payment request to the settlement system based on the amount to be paid and the user's payment identifier. The settlement system completes the payment settlement based on the amount to be paid and the payment identifier. The above system adds a marketing activity participation process triggered by the human-computer interaction between the user and the non-accepting device during the process of the user using the non-accepting device to make a payment. This allows users to participate in marketing activities while making offline payments, and enhances the user's perception of the marketing activities through human-computer interaction. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] The drawings described herein are used to provide a further understanding of this specification and constitute a part of this specification. The exemplary embodiments and descriptions of this specification are used to explain this specification and do not constitute an improper limitation of this specification. In the drawings: Figure 1 A schematic diagram of the structure of a payment system provided in an embodiment of this specification; Figure 2 A schematic diagram of a payment method flow provided in an embodiment of this specification; Figure 3 A schematic diagram of the first payment device provided in the embodiments of this specification; Figure 4 A schematic diagram of a second payment device provided in an embodiment of this specification; Figure 5 A schematic diagram of a third payment device provided in the embodiments of this specification; Figure 6 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this specification. DETAILED DESCRIPTION

[0017] To make the objectives, technical solutions, and advantages of this specification more clear, the following will clearly and completely describe the technical solutions of this specification in conjunction with the specific embodiments of this specification and the corresponding drawings. Obviously, the embodiments described are only part of the embodiments of this specification, not all of the embodiments. Based on the embodiments in this specification, all other embodiments obtained by ordinary technicians in this field without making any creative efforts are within the scope of protection of this specification.

[0018] The technical solutions provided by the embodiments of this specification are described in detail below with reference to the accompanying drawings.

[0019] The embodiment of this specification aims to utilize the display screen of a non-accepting device to enable the user to interact with the non-accepting device, and use this human-computer interaction as a trigger to enable the user to directly participate in marketing activities when making offline payments. To this end, this specification provides the following Figure 1 The system shown.

[0020] Figure 1 This is a structural diagram of a payment system provided in an embodiment of this specification, which includes a user terminal, a non-accepting processing device, a marketing platform and a settlement system.

[0021] Among them, user terminals include terminals used by payment users, especially mobile terminals such as mobile phones, smart watches, etc.

[0022] The non-accepting device is a device used to provide various electronic payment methods to the paying user. It is located at the front end and can provide various offline electronic payment methods including code scanning, face scanning, and electronic payment based on contactless communication. This manual only uses the example of the non-accepting device providing electronic payment based on contactless communication. The non-accepting device is also located at the front end. Figure 1 The merchant's payment device is connected to a payment processor (not shown) and can be connected to the merchant's payment processor via a wired cable or a wireless network (such as WiFi). The merchant's payment processor is a device used by payment personnel at offline merchants in offline retail scenarios to collect payments, such as a cash register. Generally, in addition to providing cash payment methods, the merchant's payment processor can only provide very limited electronic payment methods, or even no electronic payment methods at all. Therefore, if offline merchants want to use multiple electronic payment methods to collect payments, they need to connect to the above-mentioned non-accepting payment processor to collect payments through multiple electronic payment methods of the non-accepting payment processor.

[0023] The marketing platform is located at the back end and is pre-configured with marketing rules corresponding to the marketing activities. The discount amount corresponding to the marketing activities can be determined based on the marketing rules.

[0024] The settlement system, located on the backend and primarily comprising the acquiring platform, is used to receive payment orders sent by payment initiators and process settlement payments based on the three elements contained in the order. These elements include the payer's payment account, the amount to be paid, and the recipient's receiving account.

[0025] In the embodiment of this specification, the above-mentioned non-accepting device has a display screen, and in order to enable users to directly participate in marketing activities when paying offline, based on Figure 1 The system shown in this specification provides an embodiment of the Figure 2 Payment method shown.

[0026] Figure 2A payment method flow diagram provided in this specification includes the following steps: S200: The non-receiving device displays an interactive interface through the display screen.

[0027] In the embodiments of this specification, since the non-receiving processing device needs to display an interactive interface capable of human-computer interaction with the user, rather than simply displaying a static image that does not allow human-computer interaction, a computer program can be pre-deployed on the non-receiving processing device to display the interactive interface. The computer program can be a standalone computer program directly installed on the non-receiving processing device, or a mini-program that needs to be parasitic on an independent host program. The following description uses the mini-program as an example.

[0028] When the above-mentioned computer program is a small program, Figure 1 The illustrated system may also include a backend server corresponding to the mini-program. This server, located at the back end, provides the front-end mini-program with resources for displaying the aforementioned interactive interface and interacts with the marketing platform to facilitate subsequent payments. A non-accepting device can then run the mini-program, retrieve resources for displaying the interactive interface from the backend server, generate the interactive interface based on these resources, and finally display the interactive interface on a display screen.

[0029] Specifically, the marketing activities described in the embodiments of this specification may include activities that randomly reduce or exempt users from preferential amounts within a preset range. The above-mentioned interactive interface displayed by the mini program through the non-accepting device can at least be used to display an animation in which the numerical value corresponding to the preferential amount continuously changes within the preset range. The content of the animation may include: a rotating roulette wheel (such as a slot machine roulette wheel), and the numerical value rotating on the roulette wheel always remains within the above-mentioned preset range, and the numerical value is the numerical value of the preferential amount. The resources for displaying the interactive interface provided by the back-end server to the mini program deployed in the non-accepting device include at least the above-mentioned preset range. The mini program can generate an animation in which the numerical value corresponding to the preferential amount continuously changes within the preset range based on the preset range.

[0030] It should be noted that no matter what visual form the interactive interface displayed by the mini program of the non-receiving device through the display screen is, the interactive interface is not just an animation effect or an image, but an interface that can respond to the user's operation and conduct human-computer interaction with the user.

[0031] S202: In response to the first user's human-computer interaction with the non-processing device through the interactive interface, sending an activity participation request to the marketing platform.

[0032] Based on the interactive interface displayed in step S200, the user can perform human-computer interaction with the non-processing device through the interactive interface. Hereinafter, the user who performs human-computer interaction with the non-processing device through the interactive interface is referred to as the first user.

[0033] The first user can interact with the non-receiving device by touching the display screen displaying the interactive interface. In response to the first user's touch operation, the non-receiving device sends a request to participate in the marketing activity corresponding to the interactive interface to the marketing platform.

[0034] Specifically, the non-receiving device may send the activity participation request to the above-mentioned back-end server, and the back-end server may send the activity participation request to the marketing platform.

[0035] It should be noted that the aforementioned first user may be the paying user (hereinafter referred to as the second user). In this case, when making an offline payment through a non-accepting device, the first user may first touch the display screen of the non-accepting device displaying the aforementioned interactive interface. The non-accepting device then sends an activity participation request to the marketing platform via the backend server, allowing the first user to directly participate in the marketing activity during this offline payment. The aforementioned first user may also not be the second user, that is, the user interacting with the non-accepting device and the user who subsequently makes the actual payment are not the same user.

[0036] S204: The marketing platform randomly determines the discount amount based on the activity participation request, and returns the discount amount to the non-receiving device.

[0037] When the marketing activity is an activity that randomly reduces the discount amount for users within a preset range, the marketing platform can randomly determine the discount amount within the preset range after receiving the activity participation request, and return the discount amount to the back-end server, and the back-end server will then return the discount amount to the non-receiving device.

[0038] S206: The non-accepting processing device determines the amount to be paid according to the commodity amount corresponding to the commodity to be settled and the preferential amount.

[0039] After the non-receiving device receives the discount amount returned by the backend server, the mini program on the non-receiving device can cache the discount amount and change the continuously changing animation displayed in the interactive interface to a screen displaying the received discount amount. For example, if the interactive interface displays a continuously rotating roulette wheel, if the mini program receives the discount amount returned by the backend server, it can display an animation of the continuously rotating roulette wheel slowly stopping. After the roulette wheel stops, the value displayed on the roulette wheel is the screen displaying the discount amount returned by the backend server.

[0040] In addition, offline merchants generally pre-configure the product identification and corresponding payment amount of the products they sell on their payment devices ( Figure 1 In an offline merchant (not shown), when a user purchases goods at the offline merchant, they bring the goods to be settled to the merchant's cashier. The cashier uses the merchant's payment device to obtain product information for the goods to be settled. The product information described in the embodiments of this specification includes the product identifier of the goods to be settled (which can be obtained by scanning the barcode of the goods to be settled with a barcode scanner on the merchant's payment device or by directly entering the product identifier on the merchant's payment device) and the quantity of the goods to be settled. The merchant's payment device can then determine the corresponding amount of the goods to be settled based on the obtained product information and send the corresponding amount to the connected non-accepting device. Upon receiving the corresponding amount of the goods to be settled sent by the merchant's payment device, the non-accepting device can determine the amount to be paid based on the received amount and the currently cached discount amount.

[0041] Specifically, the difference between the received commodity amount and the currently cached discount amount may be determined as the amount to be paid.

[0042] S208: The non-accepting device obtains the payment identification of the second user based on contactless communication with the user terminal of the second user.

[0043] Since the merchant's receiving account is generally pre-configured in the non-accepting device, after executing step S206, the non-accepting device only has two of the three elements required for payment: the receiving account and the amount to be paid. The payee's payment account has not yet been collected. Therefore, the second user, acting as the payee, can conduct contactless communication with the non-accepting device through their user terminal. The non-accepting device can then obtain the payment identifier of the second user based on this contactless communication.

[0044] It should be noted that the payment identifier mentioned in this specification is not the payment account of the second user, but a character string that carries a token and can be used to query the payment account of the second user.

[0045] Specifically, the non-accepting processing device may correspond to a non-accepting processing server located at the back end. In response to contactless communication with the user terminal of the second user, the non-accepting processing device may transmit pre-stored address information for accessing the non-accepting processing server to the user terminal via the contactless communication. The user terminal then accesses the non-accepting processing server based on the address information. The non-accepting processing server then provides a confirmation interface to the user terminal, causing the user terminal to display the confirmation interface. The confirmation interface asks the second user whether to authorize the non-accepting processing server to generate a payment identifier for querying the second user's payment account. If the second user sends an authorization confirmation message to the non-accepting processing server via the confirmation interface, the non-accepting processing server generates a payment identifier for querying the second user's payment account based on a pre-stored one-time token and returns the payment identifier to the non-accepting processing device. Only then can the non-accepting processing device obtain the payment identifier of the second user.

[0046] S210: The non-receiving device sends a payment request to the settlement system according to the amount to be paid and the payment identifier.

[0047] After the non-accepting device obtains the amount to be paid and the payment identifier of the second user, it has collected the three elements required for payment. At this time, it can send a payment request to the settlement system, that is, the acquiring platform.

[0048] It should be noted that the payment request is not actually sent directly by the non-accepting device to the acquiring platform. That is to say, in the embodiment of this specification, it is not the non-accepting device that actually initiates the payment, but the merchant payment device connected to the non-accepting device.

[0049] Specifically, the merchant's payment device sends the amount of the goods to be settled to the non-accepting device, so that the non-accepting device determines the amount to be paid based on the amount of the goods and the cached discount amount, and obtains the payment identifier of the second user. After collecting the three elements required for payment, the non-accepting device can return the amount to be paid, the payment identifier of the second user and the merchant's payment account to the merchant's payment device. The merchant's payment device generates a payment order based on the amount to be paid, the payment identifier of the second user and the merchant's payment account, and sends a payment request carrying the payment order to the acquiring platform to formally initiate this payment to the acquiring platform.

[0050] S212: The settlement system determines the payment account corresponding to the payment identifier according to the payment identifier carried in the payment request, and performs settlement payment according to the payment account and the amount to be paid.

[0051] After receiving a payment request, the settlement system (i.e., the acquiring platform) can first verify the validity of the token in the payment identifier carried in the pending payment order of the payment request. If valid, it will query the payment account corresponding to the payment identifier (i.e., the second user's payment account), cancel the one-time token in the payment identifier, and then transfer the amount corresponding to the pending payment in the payment account to the receiving account in the pending payment order to complete the payment settlement. If the token in the payment identifier is invalid, the query to the payment account corresponding to the payment identifier will be rejected, and the payment settlement will be rejected.

[0052] In the embodiments of this specification, the first user and the second user can be the same user or different users, that is, the user who performs human-computer interaction with the non-accepting device and the user who makes subsequent actual payment can be the same user or different users, is because the discount amount randomly determined by the marketing platform in this specification is not associated with any user, but only with the non-accepting device.

[0053] Specifically, when a marketing platform configures marketing rules for a marketing campaign, it typically initializes an access list that records the device identifiers of non-accepting devices that are allowed to participate in the marketing campaign. However, in the embodiment of this specification, the access list corresponding to the marketing campaign is initially empty. In step S202, when a non-accepting device sends an activity participation request to the marketing platform via the backend server, it can include its own device identifier in the activity participation request, which is then sent to the marketing platform via the backend server. Then, in step S204, after receiving the activity participation request forwarded by the non-accepting device from the backend server, the marketing platform can randomly determine a discount amount within a preset range and return the discount amount to the non-accepting device via the backend server. Furthermore, it can add the device identifier in the activity participation request to the access list and establish an association between the device identifier and the randomly determined discount amount.

[0054] Thus, in step S206, after the non-receiving device caches the discount amount, before determining the amount to be paid based on the cached discount amount and the amount of the goods to be settled received, it can periodically send a verification request to the back-end server according to a preset period. The back-end server responds to the verification request, verifies whether the device identifier of the non-receiving device is included in the access list saved by the marketing platform, and returns the verification result to the non-receiving device.

[0055] Specifically, a non-accepting device can carry its own device identification in a verification request and send it to the back-end server. The back-end server will then query the admission list saved by the marketing platform and determine whether the device identification carried in the verification request exists in the admission list. The non-accepting device can also carry its currently cached discount amount in a verification request and send it to the back-end server. The back-end server can then query the marketing platform for a discount amount associated with the device identification carried in the verification request and determine whether the discount amount carried in the verification request is consistent with the queried discount amount associated with the device identification carried in the verification request.

[0056] If the device identifier carried in the verification request exists in the access list saved by the marketing platform, and the discount amount carried in the verification request is consistent with the queried discount amount associated with the device identifier carried in the verification request, then the back-end server can determine that the verification result is passed, otherwise the verification result is determined to be failed.

[0057] In step S206, after the non-receiving device receives the verification result returned by the back-end server, if it determines that the verification result is passed, it can determine the amount to be paid based on the product amount corresponding to the product to be settled and its own currently cached discount amount. Otherwise, it means that the non-receiving device itself is not allowed to participate in the marketing activity, or that the discount amount has expired and needs to be re-determined through the marketing platform.

[0058] The preferential amount described in the embodiments of this specification may be a preferential amount with a certain validity period. When the preferential amount expires, human-computer interaction with the non-accepting device can be used to trigger the non-accepting device to redetermine the preferential amount through the marketing platform. Specifically, in step S204, after receiving the preferential amount returned by the marketing platform via the backend server, the non-accepting device can cache the preferential amount and display it on the display screen. However, after the marketing platform adds the device identifier of the non-accepting device to the access list, the device identifier is only recorded in the access list for a preset period of time. After the preset period of time, the device identifier is deleted from the access list, and the established association between the device identifier and the preferential amount is also cleared. Therefore, in step S206, when the non-accepting device receives a verification result returned by the backend server indicating that the verification failed, it can clear the preferential amount it has cached and re-display the interactive interface on the display screen, which at least includes the animation of the value corresponding to the preferential amount continuously changing within a preset range, causing the non-accepting device to re-enter the state of step S200.

[0059] In this way, the above-mentioned preferential amount obtained by the non-accepting device is only associated with the non-accepting device itself, and is not associated with any user, so that the first user who triggers the marketing activity to obtain the preferential amount and the second user who actually pays may not be the same user.

[0060] In addition, after the settlement system completes the current payment based on the amount to be paid determined by the non-accepting device and the payment identifier obtained, it can also cancel the preferential amount determined by the marketing platform. Specifically, after completing the current payment, the preferential amount determined by the marketing platform can be determined, and the amount corresponding to the preferential amount can be transferred from the preset fund pool and transferred to the merchant's collection account. The marketing platform is then notified to delete the device identifier of the non-accepting device from the access list and clear the established association between the device identifier and the preferential amount. When the non-accepting device periodically verifies whether the access list of the marketing platform includes the device identifier through the back-end server, it receives a verification result indicating that the verification failed, thereby clearing the preferential amount cached by itself, and re-displaying the interactive interface of the above-mentioned animation that at least includes the value corresponding to the preferential amount continuously changing within the preset range on the display screen, so that the non-accepting device re-enters the state of step S200.

[0061] Of course, the above description is based on an example of a marketing activity that randomly reduces or exempts users from a preset discount amount. Those skilled in the art should understand that the marketing activity may also be other forms of marketing activities, and this specification does not limit this.

[0062] The above is a payment system and method provided in the embodiments of this specification. Based on the same idea, this specification also provides corresponding devices, storage media and electronic devices.

[0063] Figure 3 This is a schematic diagram of a first payment device provided in an embodiment of this specification. The device is applied to a non-payment device with a display screen, and the device includes: Interaction module 301, configured to display an interactive interface through the display screen; and send an activity participation request to the marketing platform in response to a human-computer interaction between the first user and the non-receiving device through the interactive interface; A receiving module 302 is configured to receive a discount amount randomly determined and returned by the marketing platform based on the activity participation request; The determination module 303 is configured to determine the amount to be paid based on the amount of the product corresponding to the product to be settled and the preferential amount; and obtain the payment identifier of the second user based on contactless communication with the user terminal of the second user; The sending module 304 is used to send a payment request to the settlement system based on the amount to be paid and the payment identifier, so that the settlement system determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and performs settlement payment based on the payment account and the amount to be paid.

[0064] Optionally, a computer program is pre-deployed on the device; The interaction module 301 is specifically used to run the computer program, obtain resources for displaying the interaction interface from the back-end server corresponding to the computer program through the computer program; generate the interaction interface based on the resources; and display the interaction interface through the display screen.

[0065] Optionally, the interaction module 301 is specifically configured to, through the computer program, send an activity participation request carrying the device identifier of the apparatus to the backend server, causing the backend server to send the activity participation request to the marketing platform, so that the marketing platform randomly determines a discount amount based on the activity participation request and adds the device identifier in the activity participation request to an admission list; The receiving module 302 is further configured to, after receiving the discount amount randomly determined and returned by the marketing platform based on the activity participation request, cache the discount amount, and send a verification request to the back-end server, causing the back-end server to verify whether the access list stored by the marketing platform contains the device identifier of the non-accepting device, and return the verification result to the device; The determination module 303 is specifically configured to receive the verification result, and when the received verification result indicates that the verification is passed, determine the amount to be paid according to the commodity amount corresponding to the commodity to be settled and the discount amount.

[0066] Optionally, the interaction module 301 is further configured to display the preferential amount through the display screen after the receiving module 302 caches the preferential amount; After a preset time period has passed since the device identification was added to the admission list, the device identification is deleted from the admission list; The receiving module 302 is further configured to, when the received verification result is verification failure, clear the cached discount amount and redisplay the interactive interface through the display screen.

[0067] Optionally, the interactive interface is at least used to display an animation of a numerical value corresponding to the discount amount continuously changing within a preset range; The interaction module 301 is specifically configured to send an activity participation request to the marketing platform in response to the first user's touch operation on the display screen displaying the interaction interface, so that the marketing platform randomly determines a discount amount within the preset range; The interaction module 301 is further configured to, after the receiving module 302 receives the discount amount determined and returned by the marketing platform according to the activity participation request, change the displayed continuously changing animation to a screen displaying the received discount amount.

[0068] Figure 4 This is a schematic diagram of a second payment device provided in an embodiment of this specification. The device is applied to a marketing platform and includes: Receiving module 401, configured to receive an activity participation request sent by a non-receiving device; wherein the activity participation request is sent by the non-receiving device in response to a human-computer interaction between a first user and the non-receiving device, wherein the human-computer interaction is performed by the first user through an interactive interface displayed by the non-receiving device; A determination module 402 is configured to randomly determine a discount amount based on the activity participation request; The sending module 403 is used to return the preferential amount to the non-accepting processing device, so that the non-accepting processing device determines the amount to be paid based on the product amount corresponding to the product to be settled and the preferential amount, and sends a payment request to the settlement system based on the amount to be paid and the payment identifier of the second user obtained, so that the settlement system determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and makes settlement payment based on the payment account and the amount to be paid; wherein, the payment identifier is obtained by the non-accepting processing device based on contactless communication with the user terminal of the second user.

[0069] Optionally, the activity participation request carries a device identifier of the non-receiving device; The determination module 402 is also used to, after receiving an activity participation request sent by a non-accepting device, add the device identifier in the activity participation request to the admission list; after determining the discount amount based on the activity participation request, establish an association relationship between the device identifier in the activity participation request and the determined discount amount.

[0070] Optionally, the determination module 402 is specifically configured to add the device identifier to an admission list, and after a preset time period, delete the device identifier from the admission list, thereby deleting the association between the device identifier and the determined discount amount.

[0071] Optionally, the determination module 402 is specifically configured to randomly determine a discount amount within a preset range.

[0072] Figure 5 This is a schematic diagram of a third payment device provided in an embodiment of this specification. The device is applied to a backend server and includes: A receiving module 501 is configured to receive an activity participation request sent by a non-receiving device; wherein the activity participation request is sent by a computer program deployed on the non-receiving device in response to a human-computer interaction between a first user and the non-receiving device, wherein the human-computer interaction is performed by the first user through an interactive interface displayed by the non-receiving device; A sending module 502 is configured to send the activity participation request to a marketing platform, so that the marketing platform randomly determines a discount amount based on the activity participation request; The receiving module 501 is also used to receive the discount amount returned by the marketing platform and return the discount amount to the non-receiving processing device, so that the non-receiving processing device determines the amount to be paid based on the product amount corresponding to the product to be settled and the discount amount, and obtains the payment identifier of the second user based on the contactless communication with the user terminal of the second user, and sends a payment request to the settlement system based on the amount to be paid and the payment identifier, so that the settlement system determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and makes settlement payment based on the payment account and the amount to be paid.

[0073] Optionally, the sending module 502 is also used to provide resources for displaying the interactive interface to the computer program deployed in the non-receiving device, and the resources include at least a preset range, and the preset range is used to enable the non-receiving device to generate an animation in which the numerical value corresponding to the discount amount continuously changes within the preset range.

[0074] Optionally, the activity participation request carries the device identification of the non-receiving device itself; After the activity participation request is sent to the marketing platform, the device identifier in the activity participation request is added to the admission list by the marketing platform and is associated with the discount amount randomly determined by the marketing platform; The device further comprises: The verification module 503 is used to receive a verification request sent by the non-accepting processing device; in response to the verification request, verify whether the device identifier of the non-accepting processing device is included in the access list saved by the marketing platform; return the verification result to the non-accepting processing device, so that when the non-accepting processing device receives the verification result that the verification is passed, it determines the amount to be paid based on the product amount corresponding to the product to be settled and the discount amount.

[0075] Optionally, the verification module 503 is specifically used to query whether the device identification of the non-accepting device is included in the access list saved by the marketing platform; if the device identification of the non-accepting device is found in the access list saved by the marketing platform, and the discount amount associated with the device identification is consistent with the discount amount currently cached by the non-accepting device, then the verification result is determined to be verification passed, otherwise the verification result is determined to be verification failed.

[0076] This specification also provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, it can be used to execute the payment method provided above.

[0077] based on Figure 2 The payment method shown in this specification also provides Figure 6 The structural diagram of the electronic device shown in FIG. Figure 6 At the hardware level, the electronic device includes a processor, an internal bus, a network interface, memory, and non-volatile storage, and may also include other hardware required for the service. The processor reads the corresponding computer program from the non-volatile storage into the memory and then runs it to implement the above-mentioned payment method.

[0078] The foregoing is merely an example of the present invention and is not intended to limit the present invention. Various modifications and variations are possible for those skilled in the art. Any modifications, equivalent substitutions, or improvements made within the spirit and principles of the present invention are intended to be included within the scope of the claims of the present invention.

Claims

1. A payment system, comprising: User terminals, non-acceptance processing equipment, marketing platforms, and settlement systems; among which: The non-receiving and processing device has a display screen, configured to display an interactive interface through the display screen, and send an activity participation request to the marketing platform in response to a human-computer interaction between the first user and the non-receiving and processing device through the interactive interface; The marketing platform is configured to randomly determine a discount amount based on the activity participation request, and return the discount amount to the non-receiving device; The non-accepting device is configured to determine the amount to be paid based on the amount of the product corresponding to the product to be settled and the discount amount, obtain the payment identifier of the second user based on contactless communication with the user terminal of the second user, and send a payment request to the settlement system based on the amount to be paid and the payment identifier; The user terminal of the second user is used to perform contactless communication with the non-receiving device; The settlement system determines the payment account corresponding to the payment identifier according to the payment identifier carried in the payment request, and performs settlement payment according to the payment account and the amount to be paid.

2. The payment system according to claim 1, wherein a computer program is pre-installed on the non-accepting device; The payment system also includes a backend server corresponding to the computer program; The non-receiving processing device is specifically configured to run the computer program, obtain resources for displaying the interactive interface from the back-end server through the computer program, generate the interactive interface based on the resources, and display the interactive interface through the display screen; The back-end server is used to provide the resources for displaying the interactive interface to the non-receiving device.

3. The payment system according to claim 2, wherein the non-accepting device is specifically configured to send an activity participation request carrying a device identification of the non-accepting device to the backend server through the computer program; The backend server is specifically configured to send the activity participation request to the marketing platform; The marketing platform is specifically configured to randomly determine a discount amount based on the activity participation request, return the discount amount to the non-accepting device via the backend server, and add the device identifier in the activity participation request to an admission list; The non-receiving device is further configured to, after receiving the preferential amount, cache the preferential amount and send a verification request to the back-end server before determining the amount to be paid; The backend server is further configured to, in response to the verification request, verify whether the admission list stored by the marketing platform contains the device identifier of the non-accepting device, and return the verification result to the non-accepting device; The non-accepting processing device is specifically used to determine the amount to be paid according to the commodity amount corresponding to the commodity to be settled and the preferential amount when the received verification result is verification passed.

4. The payment system according to claim 3, wherein the marketing platform is further configured to establish an association between the device identifier in the activity participation request and the discount amount determined by the marketing platform; The back-end server is specifically used to determine that the verification result is passed when the device identification of the non-accepting device is queried in the access list saved in the marketing platform, and the discount amount associated with the device identification is consistent with the discount amount currently cached by the non-accepting device; otherwise, the verification result is determined to be failed.

5. The payment system according to claim 3, wherein the non-accepting device is further configured to display the preferential amount on the display screen after receiving the preferential amount; The marketing platform is specifically configured to add the device identifier to an admission list and delete the device identifier from the admission list after a preset time period has elapsed; The non-receiving processing device is further configured to, when the received verification result is verification failure, clear the cached discount amount and redisplay the interactive interface through the display screen.

6. The payment system according to claim 1, wherein the interactive interface is at least used to display an animation of a value corresponding to the discount amount continuously changing within a preset range; The non-receiving processing device is specifically configured to send an activity participation request to the marketing platform in response to a touch operation of the first user on the display screen displaying the interactive interface; The marketing platform is specifically used to randomly determine the discount amount within the preset range; The non-receiving processing device is further used to, after receiving the discount amount returned by the marketing platform, change the displayed continuously changing animation to a screen displaying the received discount amount.

7. A payment method, the method being applied to a non-accepting device having a display screen, the method comprising: The non-receiving processing device displays an interactive interface through the display screen; In response to the first user's human-computer interaction with the non-processing device through the interactive interface, sending an activity participation request to the marketing platform; Receiving a discount amount randomly determined and returned by the marketing platform based on the activity participation request; Determine the amount to be paid based on the amount of the goods to be settled and the amount of the discount; and, obtaining a payment identifier of the second user based on contactless communication with a user terminal of the second user; Based on the amount to be paid and the payment identifier, a payment request is sent to the settlement system, so that the settlement system determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and performs settlement payment based on the payment account and the amount to be paid.

8. The method according to claim 7, wherein a computer program is pre-deployed on the non-receiving device; The non-receiving processing device displays an interactive interface through the display screen, specifically including: The non-receiving device runs the computer program, and obtains resources for displaying the interactive interface from a back-end server corresponding to the computer program through the computer program; generating the interactive interface based on the resource; The interactive interface is displayed through the display screen.

9. The method according to claim 8, wherein sending an activity participation request to a marketing platform comprises: Sending, by means of the computer program, an activity participation request carrying the device identifier of the non-accepting device itself to the back-end server, causing the back-end server to send the activity participation request to the marketing platform, so that the marketing platform randomly determines the discount amount based on the activity participation request and adds the device identifier in the activity participation request to an admission list; After receiving the discount amount randomly determined and returned by the marketing platform based on the activity participation request, and before determining the amount to be paid based on the product amount corresponding to the product to be settled and the discount amount, the method further includes: Cache the discount amount and send a verification request to the back-end server, so that the back-end server verifies whether the access list stored by the marketing platform contains the device identifier of the non-accepting device, and returns the verification result to the non-accepting device; The amount to be paid is determined based on the amount of the goods to be settled and the amount of the discount, including: The verification result is received, and when the received verification result is verification passed, the amount to be paid is determined according to the commodity amount corresponding to the commodity to be settled and the preferential amount.

10. The method according to claim 9, after caching the discount amount, further comprising: Displaying the discount amount via the display screen; After a preset time period has passed since the device identification was added to the admission list, the device identification is deleted from the admission list; The method further comprises: When the received verification result is verification failure, the cached discount amount is cleared and the interactive interface is redisplayed through the display screen.

11. The method according to claim 7, wherein the interactive interface is at least used to display an animation of a value corresponding to the discount amount continuously changing within a preset range; In response to the first user interacting with the non-processing device through the interactive interface, sending an activity participation request to the marketing platform specifically includes: In response to a touch operation of the first user on a display screen displaying the interactive interface, sending an activity participation request to the marketing platform, so that the marketing platform randomly determines a discount amount within a preset range; After receiving the discount amount determined and returned by the marketing platform based on the activity participation request, the method further includes: The continuously changing animation being displayed is changed to a screen displaying the received discount amount.

12. A payment method, comprising: Receiving an activity participation request sent by a non-receiving device; wherein the activity participation request is sent by the non-receiving device in response to a human-computer interaction between a first user and the non-receiving device, and the human-computer interaction is performed by the first user through an interactive interface displayed by the non-receiving device; Randomly determine the discount amount based on the activity participation request; The preferential amount is returned to the non-accepting processing device, so that the non-accepting processing device determines the amount to be paid based on the product amount corresponding to the product to be settled and the preferential amount, and sends a payment request to the settlement system based on the amount to be paid and the payment identifier of the second user obtained, so that the settlement system determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and makes settlement payment based on the payment account and the amount to be paid; wherein, the payment identifier is obtained by the non-accepting processing device based on contactless communication with the user terminal of the second user.

13. The method according to claim 12, wherein the activity participation request carries a device identification of the non-accepting device; After receiving the activity participation request sent by the non-receiving device, the method further includes: Adding the device identifier in the activity participation request to an admission list; After determining the discount amount according to the activity participation request, the method further includes: An association relationship is established between the device identification in the activity participation request and the determined discount amount.

14. The method according to claim 13, wherein adding the device identifier in the activity participation request to the admission list specifically comprises: The device identification is added to the admission list, and after a preset time period, the device identification is deleted from the admission list, thereby deleting the association between the device identification and the determined discount amount.

15. The method according to claim 12, wherein the amount of the discount is randomly determined, specifically comprising: The discount amount is randomly determined within a preset range.

16. A payment method, comprising: Receiving an activity participation request sent by a non-receiving device; wherein the activity participation request is sent by a computer program deployed on the non-receiving device in response to a human-computer interaction between a first user and the non-receiving device, and the human-computer interaction is performed by the first user through an interactive interface displayed by the non-receiving device; Sending the activity participation request to the marketing platform, so that the marketing platform randomly determines the discount amount based on the activity participation request; Receive the discount amount returned by the marketing platform, and return the discount amount to the non-receiving processing device, so that the non-receiving processing device determines the amount to be paid based on the product amount corresponding to the product to be settled and the discount amount, and obtains the payment identifier of the second user based on the contactless communication with the user terminal of the second user, and sends a payment request to the settlement system based on the amount to be paid and the payment identifier, so that the settlement system determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and makes settlement payment based on the payment account and the amount to be paid.

17. The method of claim 16, further comprising: The computer program deployed in the non-accepting device is provided with resources for displaying the interactive interface, wherein the resources include at least a preset range, and the preset range is used to enable the non-accepting device to generate an animation in which the numerical value corresponding to the discount amount continuously changes within the preset range.

18. The method according to claim 16, wherein the activity participation request carries the device identification of the non-receiving device itself; After the activity participation request is sent to the marketing platform, the device identifier in the activity participation request is added to the admission list by the marketing platform and is associated with the discount amount randomly determined by the marketing platform; The method further comprises: Receiving a verification request sent by the non-receiving device; In response to the verification request, verify whether the access list stored by the marketing platform contains the device identifier of the non-accepted device; The verification result is returned to the non-accepting processing device, so that when the received verification result is that the verification is passed, the non-accepting processing device determines the amount to be paid according to the commodity amount corresponding to the commodity to be settled and the preferential amount.

19. The method of claim 18, wherein verifying whether the access list stored by the marketing platform contains the device identifier of the non-accepted device comprises: Querying whether the access list stored in the marketing platform contains the device identifier of the non-accepted device; If the device identification of the non-accepting device is found in the access list saved in the marketing platform, and the discount amount associated with the device identification is consistent with the discount amount currently cached by the non-accepting device, the verification result is determined to be verification passed; otherwise, the verification result is determined to be verification failed.

20. A payment device, said device being applied to a non-accepting device having a display screen, said device comprising: An interactive module, configured to display an interactive interface via the display screen; In response to the first user's human-computer interaction with the non-processing device through the interactive interface, sending an activity participation request to the marketing platform; A receiving module, configured to receive a discount amount randomly determined and returned by the marketing platform according to the activity participation request; A determination module, configured to determine the amount to be paid based on the amount of the goods to be settled and the preferential amount; and, obtaining a payment identifier of the second user based on contactless communication with a user terminal of the second user; The sending module is used to send a payment request to the settlement system based on the amount to be paid and the payment identifier, so that the settlement system determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and performs settlement payment based on the payment account and the amount to be paid.

21. A payment device, comprising: a receiving module, configured to receive an activity participation request sent by a non-receiving device; wherein the activity participation request is sent by the non-receiving device in response to a human-computer interaction between a first user and the non-receiving device, wherein the human-computer interaction is performed by the first user through an interactive interface displayed by the non-receiving device; A determination module, configured to randomly determine a discount amount based on the activity participation request; A sending module is used to return the preferential amount to the non-accepting processing device, so that the non-accepting processing device determines the amount to be paid based on the product amount corresponding to the product to be settled and the preferential amount, and sends a payment request to the settlement system based on the amount to be paid and the payment identifier of the second user obtained, so that the settlement system determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and makes settlement payment based on the payment account and the amount to be paid; wherein, the payment identifier is obtained by the non-accepting processing device based on contactless communication with the user terminal of the second user.

22. A payment device, comprising: a receiving module configured to receive an activity participation request sent by a non-receiving device; wherein the activity participation request is sent by a computer program deployed on the non-receiving device in response to a human-computer interaction between a first user and the non-receiving device, wherein the human-computer interaction is performed by the first user through an interactive interface displayed by the non-receiving device; A sending module, configured to send the activity participation request to the marketing platform, so that the marketing platform randomly determines the discount amount according to the activity participation request; The receiving module is also used to receive the discount amount returned by the marketing platform and return the discount amount to the non-receiving processing device, so that the non-receiving processing device determines the amount to be paid based on the product amount corresponding to the product to be settled and the discount amount, and obtains the payment identifier of the second user based on the contactless communication with the user terminal of the second user, and sends a payment request to the settlement system based on the amount to be paid and the payment identifier, so that the settlement system determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and makes settlement payment based on the payment account and the amount to be paid.

23. A computer-readable storage medium storing a computer program, wherein the computer program implements the method according to any one of claims 7 to 19 when executed by a processor.

24. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the method according to any one of claims 7 to 19 when executing the program.

Images