Mobile payment method and device based on electronic voucher

Abstract

The application discloses a kind of mobile payment method and device based on electronic voucher, it is related to mobile internet technical field, the method includes: receiving transfer payment instruction, and according to transfer payment instruction, the electronic voucher of customer is obtained, and the electronic voucher of customer includes customer payment quota information;According to the available quota of the electronic voucher of customer and the transfer payment amount in transfer payment instruction, it is judged whether electronic voucher is available;In the case where electronic voucher is available, deduct electronic voucher quota, execute transfer payment operation.The application simplifies payment operation under the premise of security compliance, so that customers realize the mobile payment of "anytime, anywhere, want to pay", improve the payment experience of customer.

Description

Technical Field

[0001] This invention relates to the field of mobile internet technology, and in particular to a mobile payment method and device based on electronic vouchers. Background Technology

[0002] With the continuous development of technology, many banks and enterprises now offer online payment services, allowing customers to make payments using computers, mobile phones, and other terminal devices, providing great convenience. However, current technology cannot guarantee transaction security while enabling customers to make mobile payments "anytime, anywhere, whenever they want" in situations where users "need it, use it frequently, or need it urgently." Summary of the Invention

[0003] This invention provides a mobile payment method based on electronic vouchers. Under the premise of security and compliance, it simplifies payment operations, enabling customers to make mobile payments "anytime, anywhere," thus improving the customer's payment experience. The method includes:

[0004] Receive a transfer payment instruction and obtain the customer's electronic voucher based on the transfer payment instruction. The customer's electronic voucher includes the customer's payment limit information.

[0005] The availability of the electronic voucher is determined based on the customer's available credit limit and the transfer amount in the transfer payment instruction.

[0006] If the electronic voucher is available, deduct the amount from the electronic voucher and execute the transfer payment operation.

[0007] Optionally, if the electronic voucher is available, deduct the amount from the electronic voucher and execute the transfer payment operation, including:

[0008] Obtain the transaction code information of the financial institution merchant, wherein the transaction code information includes: the transfer amount;

[0009] The transaction code information is identified, and the identified transaction code information is sent to the electronic voucher system for deduction of the credit limit. The electronic voucher system is used to deduct the available credit limit of the electronic voucher based on the customer's available credit limit and the transfer amount.

[0010] The payment system is invoked, and the transfer payment result is generated based on the deduction result according to the amount.

[0011] Optionally, if the electronic voucher is available, deduct the amount from the electronic voucher and execute the transfer payment operation, including:

[0012] Obtain the transaction code information of the UnionPay merchant, wherein the transaction code information includes: the transfer amount;

[0013] The transaction code information is identified and sent to the payment system so that the payment system can call the electronic voucher system to deduct the amount. The electronic voucher system is used to deduct the available amount of the electronic voucher based on the customer's available amount and the transfer amount.

[0014] Call the UnionPay interface to generate the transfer payment result.

[0015] Optionally, if the electronic voucher is available, deduct the amount from the electronic voucher and execute the transfer payment operation, including:

[0016] Generate transaction code information for scanning by financial institution merchants, the transaction code information including: transfer amount;

[0017] When a financial institution merchant scans the transaction code information, the transaction code information is sent to the electronic voucher system for credit deduction. The electronic voucher system is used to deduct the available credit of the electronic voucher based on the customer's available credit and the transfer amount.

[0018] The payment system is invoked, and the transfer payment result is generated based on the deduction result according to the amount.

[0019] Optionally, if the electronic voucher is available, deduct the amount from the electronic voucher and execute the transfer payment operation, including:

[0020] Generate transaction code information for scanning by financial institution merchants, the transaction code information including: transfer amount;

[0021] When a UnionPay merchant scans the transaction code information, the transaction code information is sent to the payment system, so that the payment system calls the electronic voucher system to deduct the amount. The electronic voucher system is used to deduct the available amount of the electronic voucher based on the customer's available amount and the transfer amount.

[0022] Call the UnionPay interface to generate the transfer payment result.

[0023] Optionally, the method further includes: displaying the transfer payment result.

[0024] Optionally, the transaction code is a QR code.

[0025] This invention also provides a mobile payment device based on electronic vouchers, which simplifies payment operations while ensuring security and compliance, enabling customers to make mobile payments "anytime, anywhere," thus improving the customer's payment experience. The device includes:

[0026] The electronic voucher acquisition module is used to receive transfer payment instructions and acquire the customer's electronic voucher according to the transfer payment instructions. The customer's electronic voucher includes the customer's payment limit information.

[0027] The judgment module is used to determine whether the electronic voucher is available based on the customer's available credit limit and the transfer payment amount in the transfer payment instruction;

[0028] The transfer payment module is used to deduct the amount of the electronic voucher and execute the transfer payment operation when the electronic voucher is available.

[0029] Optionally, the transfer payment module is further used for:

[0030] Obtain the transaction code information of the financial institution merchant, wherein the transaction code information includes: the transfer amount;

[0031] The transaction code information is identified, and the identified transaction code information is sent to the electronic voucher system for deduction of the credit limit. The electronic voucher system is used to deduct the available credit limit of the electronic voucher based on the customer's available credit limit and the transfer amount.

[0032] The payment system is invoked, and the transfer payment result is generated based on the deduction result according to the amount.

[0033] Optionally, the transfer payment module is further used for:

[0034] Obtain the transaction code information of the UnionPay merchant, wherein the transaction code information includes: the transfer amount;

[0035] The transaction code information is identified and sent to the payment system so that the payment system can call the electronic voucher system to deduct the amount. The electronic voucher system is used to deduct the available amount of the electronic voucher based on the customer's available amount and the transfer amount.

[0036] Call the UnionPay interface to generate the transfer payment result.

[0037] Optionally, the transfer payment module is further used for:

[0038] Generate transaction code information for scanning by financial institution merchants, the transaction code information including: transfer amount;

[0039] When a financial institution merchant scans the transaction code information, the transaction code information is sent to the electronic voucher system for credit deduction. The electronic voucher system is used to deduct the available credit of the electronic voucher based on the customer's available credit and the transfer amount.

[0040] The payment system is invoked, and the transfer payment result is generated based on the deduction result according to the amount.

[0041] Optionally, the transfer payment module is further used for:

[0042] Generate transaction code information for scanning by financial institution merchants, the transaction code information including: transfer amount;

[0043] When a UnionPay merchant scans the transaction code information, the transaction code information is sent to the payment system, so that the payment system calls the electronic voucher system to deduct the amount. The electronic voucher system is used to deduct the available amount of the electronic voucher based on the customer's available amount and the transfer amount.

[0044] Call the UnionPay interface to generate the transfer payment result.

[0045] Optionally, the device further includes a result display module for displaying the transfer payment result.

[0046] Optionally, the transaction code is a QR code.

[0047] This invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the above-described method.

[0048] This invention also provides a computer-readable storage medium storing a computer program for performing the above-described method.

[0049] In this embodiment of the invention, by receiving a transfer payment instruction and obtaining the customer's electronic voucher according to the transfer payment instruction, the availability of the electronic voucher is determined based on the available amount of the customer's electronic voucher and the transfer payment amount in the transfer payment instruction. If the electronic voucher is available, the amount of the electronic voucher is deducted and the transfer payment operation is executed. This ensures that the payment operation is simplified under the premise of security and compliance, enabling customers to make mobile payments "anytime, anywhere, whenever they want," and improving the customer's payment experience. Attached Figure Description

[0050] To more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort. In the drawings:

[0051] Figure 1 This is a flowchart of a mobile payment method based on electronic vouchers in an embodiment of the present invention;

[0052] Figure 2 This is a flowchart of a mobile payment method based on electronic vouchers in an embodiment of the present invention;

[0053] Figure 3 This is a flowchart of a mobile payment method based on electronic vouchers in an embodiment of the present invention;

[0054] Figure 4 This is a flowchart of a mobile payment method based on electronic vouchers in an embodiment of the present invention;

[0055] Figure 5 This is a flowchart of a mobile payment method based on electronic vouchers in an embodiment of the present invention;

[0056] Figure 6 This is a schematic diagram of the structure of a mobile payment device based on electronic vouchers in an embodiment of the present invention;

[0057] Figure 7 This is a schematic diagram of the system composition structure of an electronic device according to an embodiment of the present invention. Detailed Implementation

[0058] To make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer, the embodiments of the present invention will be further described in detail below with reference to the accompanying drawings. Here, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0059] Figure 1 A flowchart of a mobile payment method based on electronic vouchers provided in an embodiment of the present invention is shown below. Figure 1 As shown, the method includes:

[0060] Step 101: Receive a transfer payment instruction and obtain the customer's electronic voucher according to the transfer payment instruction. The customer's electronic voucher includes the customer's payment limit information.

[0061] In this embodiment, an electronic voucher refers to an unalterable electronic payment instruction with digital signature characteristics generated by the company's authorized management, based on a company settlement card and a smartphone application, in order to realize the mobile convenience of the company's settlement business. The users of the electronic voucher are the company's employees, and the managers are the company's finance and administration personnel.

[0062] The transfer payment instruction must include at least: the amount to be transferred by the customer.

[0063] Step 102: Determine whether the electronic voucher is available based on the customer's available credit limit and the transfer payment amount in the transfer payment instruction.

[0064] In practice, when a customer selects an electronic voucher for mobile transfer payment, the system determines whether the voucher can be used based on the customer's available credit limit and the transfer amount. If the available credit limit is insufficient, payment using the electronic voucher is not permitted. If the available credit limit is sufficient, the system will deduct the available credit limit from the transaction amount during backend verification before initiating the transfer. If the transfer transaction fails, the credit limit will be reversed.

[0065] Step 103: If the electronic voucher is available, deduct the amount from the electronic voucher and execute the transfer payment operation.

[0066] As can be seen from the above, the mobile payment method based on electronic vouchers provided in this embodiment of the invention receives a transfer payment instruction, obtains the customer's electronic voucher according to the transfer payment instruction, determines whether the electronic voucher is usable based on the available amount of the customer's electronic voucher and the transfer payment amount in the transfer payment instruction, and if the electronic voucher is usable, deducts the amount of the electronic voucher and executes the transfer payment operation. This ensures that the payment operation is simplified under the premise of security and compliance, enabling customers to make mobile payments "anytime, anywhere, whenever they want," and improving the customer's payment experience.

[0067] For example, in the application scenario of step 103:

[0068] For merchants of this financial institution, customers can make transfer payments by actively scanning a QR code:

[0069] like Figure 2 As shown, if the electronic voucher is available, the amount deducted from the electronic voucher and the transfer payment operation is executed, including:

[0070] Step 201: Obtain the transaction code information of the financial institution merchant, wherein the transaction code information includes: the transfer amount;

[0071] Step 202: Identify the transaction code information and send the identified transaction code information to the electronic voucher system for credit deduction processing. The electronic voucher system is used to deduct the available credit of the electronic voucher based on the customer's available credit and the transfer amount.

[0072] Step 203: Call the payment system and generate a transfer payment result based on the deduction result of the amount.

[0073] In practical implementation, for example:

[0074] Customers actively scan the transaction code of this financial institution's merchants using their mobile devices;

[0075] After receiving and recognizing the transaction code information, the front-end system sends it to the electronic voucher system to deduct the voucher limit.

[0076] The front-end system sends payment information to the QR code payment system to complete the payment.

[0077] The front-end system calls the electronic voucher system to notify the user of the QR code payment result.

[0078] For UnionPay merchants, customers can make transfer payments by actively scanning a QR code:

[0079] like Figure 3 As shown, if the electronic voucher is available, the amount deducted from the electronic voucher and the transfer payment operation is executed, including:

[0080] Step 301: Obtain the transaction code information of the UnionPay merchant, wherein the transaction code information includes: the transfer amount;

[0081] Step 302: Identify the transaction code information and send the identified transaction code information to the payment system so that the payment system can call the electronic voucher system to perform a limit deduction. The electronic voucher system is used to deduct the available limit of the electronic voucher based on the customer's available limit and the transfer amount.

[0082] Step 303: Call the UnionPay interface to generate the transfer payment result.

[0083] In practical implementation, for example:

[0084] When making a payment, customers actively scan the UnionPay merchant's transaction code using their mobile devices;

[0085] After the front-end system retrieves the QR code and parses the transaction information, it sends the transaction information to the QR code payment system. The QR code payment system first calls the electronic voucher system to complete the deduction check of the voucher amount, and then calls the UnionPay interface to complete the payment.

[0086] UnionPay notifies the payment system of the payment result, the payment system notifies the front-end system, and the front-end system notifies the electronic voucher system to complete the voucher limit confirmation (if it fails, the limit is reversed).

[0087] For merchants of this financial institution, customers can use QR code scanning to make transfer payments:

[0088] like Figure 4 As shown, if the electronic voucher is available, the amount deducted from the electronic voucher and the transfer payment operation is executed, including:

[0089] Step 401: Generate transaction code information for scanning by financial institution merchants, wherein the transaction code information includes: transfer amount;

[0090] Step 402: When the financial institution merchant scans the transaction code information, the transaction code information is sent to the electronic voucher system for credit deduction processing. The electronic voucher system is used to deduct the available credit of the electronic voucher based on the customer's available credit and the transfer amount.

[0091] Step 403: Call the payment system and generate a transfer payment result based on the deduction result of the amount.

[0092] In practical implementation, for example:

[0093] Customers generate a transaction code using their mobile devices, and merchants actively scan the generated transaction code using a barcode scanning tool.

[0094] After receiving and recognizing the transaction code information, the front-end system sends the recognized transaction code information to the electronic voucher system to deduct the voucher limit.

[0095] The front-end system sends payment information to the QR code payment system to complete the payment.

[0096] The front-end system calls the electronic voucher system to notify the user of the QR code payment result.

[0097] For UnionPay merchants, customers can use QR code scanning to make transfer payments:

[0098] like Figure 5 As shown, if the electronic voucher is available, the amount deducted from the electronic voucher and the transfer payment operation is executed, including:

[0099] Step 501: Generate transaction code information for scanning by financial institution merchants, wherein the transaction code information includes: transfer amount;

[0100] Step 502: When the UnionPay merchant scans the transaction code information, the transaction code information is sent to the payment system so that the payment system calls the electronic voucher system to deduct the amount. The electronic voucher system is used to deduct the available amount of the electronic voucher based on the customer's available amount and the transfer amount.

[0101] Step 503: Call the UnionPay interface to generate the transfer payment result.

[0102] In practical implementation, for example:

[0103] When a customer makes a payment, they generate a transaction code using their mobile device, and the merchant actively scans the generated transaction code using a barcode scanner.

[0104] After the front-end system retrieves the transaction code and parses the transaction information, it sends the transaction information to the QR code payment system. The QR code payment system first calls the voucher system to complete the deduction check of the voucher amount, and then calls the UnionPay interface to complete the payment.

[0105] UnionPay notifies the payment system of the payment result, the payment system notifies the front-end system, and the front-end system notifies the electronic voucher system to complete the voucher limit confirmation (if it fails, the limit is reversed).

[0106] To facilitate customers' intuitive viewing of payment results, the method also includes: displaying the transfer payment results.

[0107] Based on the characteristics of QR codes, such as high capacity, high reliability, strong error correction capability, and high confidentiality, the above transaction code can be a QR code.

[0108] Based on the same inventive concept, this invention also provides a mobile payment device based on electronic credentials, as described in the following embodiments. Since the principle of solving the problem by the mobile payment device based on electronic credentials is similar to that of the mobile payment method based on electronic credentials, the implementation of the mobile payment device based on electronic credentials can refer to the implementation of the mobile payment method based on electronic credentials, and repeated details will not be elaborated further. As used below, the terms "unit" or "module" can refer to a combination of software and / or hardware that implements a predetermined function. Although the device described in the following embodiments is preferably implemented in software, hardware implementation, or a combination of software and hardware, is also possible and contemplated.

[0109] Figure 6 This is a schematic diagram of the structure of a mobile payment device based on electronic vouchers provided in an embodiment of the present invention, as shown below. Figure 6 As shown, the device includes:

[0110] The electronic voucher acquisition module 601 is used to receive a transfer payment instruction and acquire the customer's electronic voucher according to the transfer payment instruction. The customer's electronic voucher includes the customer's payment limit information.

[0111] In this embodiment, an electronic voucher refers to an unalterable electronic payment instruction with digital signature characteristics generated by the company's authorized management, based on a company settlement card and a smartphone application, in order to realize the mobile convenience of the company's settlement business. The users of the electronic voucher are the company's employees, and the managers are the company's finance and administration personnel.

[0112] The transfer payment instruction must include at least: the amount to be transferred by the customer.

[0113] The judgment module 602 is used to determine whether the electronic voucher is available based on the customer's available credit limit and the transfer payment amount in the transfer payment instruction;

[0114] In practice, when a customer selects an electronic voucher for mobile transfer payment, the system determines whether the voucher can be used based on the customer's available credit limit and the transfer amount. If the available credit limit is insufficient, payment using the electronic voucher is not permitted. If the available credit limit is sufficient, the system will deduct the available credit limit from the transaction amount during backend verification before initiating the transfer. If the transfer transaction fails, the credit limit will be reversed.

[0115] The transfer payment module 603 is used to deduct the amount of the electronic voucher and perform a transfer payment operation when the electronic voucher is available.

[0116] In this embodiment of the invention, the transfer payment module 603 is further configured to:

[0117] Obtain the transaction code information of the financial institution merchant, wherein the transaction code information includes: the transfer amount;

[0118] The transaction code information is identified, and the identified transaction code information is sent to the electronic voucher system for deduction of the credit limit. The electronic voucher system is used to deduct the available credit limit of the electronic voucher based on the customer's available credit limit and the transfer amount.

[0119] The payment system is invoked, and the transfer payment result is generated based on the deduction result according to the amount.

[0120] In practical implementation, for example:

[0121] Customers actively scan the transaction code of this financial institution's merchants using their mobile devices;

[0122] After receiving and recognizing the transaction code information, the front-end system sends it to the electronic voucher system to deduct the voucher limit.

[0123] The front-end system sends payment information to the QR code payment system to complete the payment.

[0124] The front-end system calls the electronic voucher system to notify the user of the QR code payment result.

[0125] In this embodiment of the invention, the transfer payment module 603 is further configured to:

[0126] Obtain the transaction code information of the UnionPay merchant, wherein the transaction code information includes: the transfer amount;

[0127] The transaction code information is identified and sent to the payment system so that the payment system can call the electronic voucher system to deduct the amount. The electronic voucher system is used to deduct the available amount of the electronic voucher based on the customer's available amount and the transfer amount.

[0128] Call the UnionPay interface to generate the transfer payment result.

[0129] In practical implementation, for example:

[0130] When making a payment, customers actively scan the UnionPay merchant's transaction code using their mobile devices;

[0131] After the front-end system retrieves the QR code and parses the transaction information, it sends the transaction information to the QR code payment system. The QR code payment system first calls the electronic voucher system to complete the deduction check of the voucher amount, and then calls the UnionPay interface to complete the payment.

[0132] UnionPay notifies the payment system of the payment result, the payment system notifies the front-end system, and the front-end system notifies the electronic voucher system to complete the voucher limit confirmation (if it fails, the limit is reversed).

[0133] In this embodiment of the invention, the transfer payment module 603 is further configured to:

[0134] Generate transaction code information for scanning by financial institution merchants, the transaction code information including: transfer amount;

[0135] When a financial institution merchant scans the transaction code information, the transaction code information is sent to the electronic voucher system for credit deduction. The electronic voucher system is used to deduct the available credit of the electronic voucher based on the customer's available credit and the transfer amount.

[0136] The payment system is invoked, and the transfer payment result is generated based on the deduction result according to the amount.

[0137] In practical implementation, for example:

[0138] Customers generate a transaction code using their mobile devices, and merchants actively scan the generated transaction code using a barcode scanning tool.

[0139] After receiving and recognizing the transaction code information, the front-end system sends the recognized transaction code information to the electronic voucher system to deduct the voucher limit.

[0140] The front-end system sends payment information to the QR code payment system to complete the payment.

[0141] The front-end system calls the electronic voucher system to notify the user of the QR code payment result.

[0142] In this embodiment of the invention, the transfer payment module 603 is further configured to:

[0143] Generate transaction code information for scanning by financial institution merchants, the transaction code information including: transfer amount;

[0144] When a UnionPay merchant scans the transaction code information, the transaction code information is sent to the payment system, so that the payment system calls the electronic voucher system to deduct the amount. The electronic voucher system is used to deduct the available amount of the electronic voucher based on the customer's available amount and the transfer amount.

[0145] Call the UnionPay interface to generate the transfer payment result.

[0146] In practical implementation, for example:

[0147] When a customer makes a payment, they generate a transaction code using their mobile device, and the merchant actively scans the generated transaction code using a barcode scanner.

[0148] After the front-end system retrieves the transaction code and parses the transaction information, it sends the transaction information to the QR code payment system. The QR code payment system first calls the voucher system to complete the deduction check of the voucher amount, and then calls the UnionPay interface to complete the payment.

[0149] UnionPay notifies the payment system of the payment result, the payment system notifies the front-end system, and the front-end system notifies the electronic voucher system to complete the voucher limit confirmation (if it fails, the limit is reversed).

[0150] In this embodiment of the invention, the device further includes a result display module for displaying the transfer payment result.

[0151] In this embodiment of the invention, the transaction code is a QR code.

[0152] Based on the same inventive concept, this invention also provides an embodiment of an electronic device for implementing all or part of the above-described mobile payment method based on electronic vouchers. This electronic device specifically includes the following:

[0153] The device comprises a processor, memory, a communications interface, and a bus; wherein the processor, memory, and communications interface communicate with each other via the bus; the communications interface is used to realize information transmission between related devices; the electronic device can be a desktop computer, tablet computer, or mobile terminal, etc., and this embodiment is not limited to these. In this embodiment, the electronic device can be implemented with reference to the embodiments for implementing the above-mentioned mobile payment method based on electronic vouchers and the embodiments for implementing the above-mentioned mobile payment device based on electronic vouchers, the content of which is incorporated herein, and repeated details will not be described again.

[0154] Figure 7 This is a schematic diagram of the system composition structure of an electronic device provided in an embodiment of the present invention. Figure 7As shown, the electronic device 70 may include a processor 701 and a memory 702; the memory 702 is coupled to the processor 701. It is worth noting that... Figure 7 This is an example; other types of structures can also be used to supplement or replace this structure to achieve telecommunications functions or other functions.

[0155] In one embodiment, the functionality of the mobile payment method based on electronic vouchers can be integrated into the processor 701. The processor 701 can be configured to perform the following controls:

[0156] Receive a transfer payment instruction and obtain the customer's electronic voucher based on the transfer payment instruction. The customer's electronic voucher includes the customer's payment limit information.

[0157] The availability of the electronic voucher is determined based on the customer's available credit limit and the transfer amount in the transfer payment instruction.

[0158] If the electronic voucher is available, deduct the amount from the electronic voucher and execute the transfer payment operation.

[0159] Furthermore, if the electronic voucher is available, deducting the amount from the electronic voucher and executing the transfer payment operation includes:

[0160] Obtain the transaction code information of the financial institution merchant, wherein the transaction code information includes: the transfer amount;

[0161] The transaction code information is identified, and the identified transaction code information is sent to the electronic voucher system for deduction of the credit limit. The electronic voucher system is used to deduct the available credit limit of the electronic voucher based on the customer's available credit limit and the transfer amount.

[0162] The payment system is invoked, and the transfer payment result is generated based on the deduction result according to the amount.

[0163] Furthermore, if the electronic voucher is available, deducting the amount from the electronic voucher and executing the transfer payment operation includes:

[0164] Obtain the transaction code information of the UnionPay merchant, wherein the transaction code information includes: the transfer amount;

[0165] The transaction code information is identified and sent to the payment system so that the payment system can call the electronic voucher system to deduct the amount. The electronic voucher system is used to deduct the available amount of the electronic voucher based on the customer's available amount and the transfer amount.

[0166] Call the UnionPay interface to generate the transfer payment result.

[0167] Furthermore, if the electronic voucher is available, deducting the amount from the electronic voucher and executing the transfer payment operation includes:

[0168] Generate transaction code information for scanning by financial institution merchants, the transaction code information including: transfer amount;

[0169] When a financial institution merchant scans the transaction code information, the transaction code information is sent to the electronic voucher system for credit deduction. The electronic voucher system is used to deduct the available credit of the electronic voucher based on the customer's available credit and the transfer amount.

[0170] The payment system is invoked, and the transfer payment result is generated based on the deduction result according to the amount.

[0171] Furthermore, if the electronic voucher is available, deducting the amount from the electronic voucher and executing the transfer payment operation includes:

[0172] Generate transaction code information for scanning by financial institution merchants, the transaction code information including: transfer amount;

[0173] When a UnionPay merchant scans the transaction code information, the transaction code information is sent to the payment system, so that the payment system calls the electronic voucher system to deduct the amount. The electronic voucher system is used to deduct the available amount of the electronic voucher based on the customer's available amount and the transfer amount.

[0174] Call the UnionPay interface to generate the transfer payment result.

[0175] Furthermore, the method also includes: displaying the transfer payment result.

[0176] Furthermore, the transaction code is a QR code.

[0177] As can be seen from the above, the electronic device provided in the embodiments of the present invention receives a transfer payment instruction and obtains the customer's electronic voucher according to the transfer payment instruction. Based on the available amount of the customer's electronic voucher and the transfer payment amount in the transfer payment instruction, it determines whether the electronic voucher is usable. If the electronic voucher is usable, it deducts the amount of the electronic voucher and executes the transfer payment operation. This ensures that the payment operation is simplified under the premise of security and compliance, enabling customers to realize mobile payment "anytime, anywhere, pay whenever they want", and improving the customer's payment experience.

[0178] In another embodiment, the electronic credential-based mobile payment device can be configured separately from the processor 701. For example, the electronic credential-based mobile payment device can be configured as a chip connected to the processor 701, and the function of the electronic credential-based mobile payment method can be realized through the control of the processor.

[0179] like Figure 7 As shown, the electronic device 70 may further include: a communication module 703, an input unit 704, an audio processing unit 705, a display 706, and a power supply 707. It is worth noting that the electronic device 70 does not necessarily need to include these components. Figure 7 All components shown; in addition, the electronic device 70 may also include Figure 7 For components not shown, please refer to existing technologies.

[0180] like Figure 7 As shown, processor 701, sometimes also referred to as controller or operation control, may include a microprocessor or other processor device and / or logic device, which receives input and controls the operation of various components of electronic device 70.

[0181] The memory 702 may be, for example, one or more of a cache, flash memory, hard drive, removable media, volatile memory, non-volatile memory, or other suitable device. It may store the aforementioned failure-related information, and also store a program for executing that information. The processor 701 may execute the program stored in the memory 702 to perform information storage or processing, etc.

[0182] Input unit 704 provides input to processor 701. Input unit 704 may be, for example, a keypad or touch input device. Power supply 707 provides power to electronic device 70. Display 706 displays images and text. Display may be, for example, an LCD display, but is not limited to this.

[0183] The memory 702 can be a solid-state memory, such as a read-only memory (ROM), random access memory (RAM), a SIM card, etc. It can also be a memory that retains information even when power is off, can be selectively erased, and contains more data; examples of this type of memory are sometimes referred to as EPROMs. The memory 702 can also be some other type of device. The memory 702 includes a buffer memory 7021 (sometimes called a buffer). The memory 702 may include an application / function storage unit 7022 for storing application programs and function programs or processes for executing the operation of the electronic device 70 via the processor 701.

[0184] The memory 702 may also include a data storage unit 7023 for storing data, such as contacts, digital data, pictures, sounds, and / or any other data used by the electronic device. The driver storage unit 7024 of the memory 702 may include various drivers for the electronic device's communication functions and / or for performing other functions of the electronic device (such as messaging applications, address book applications, etc.).

[0185] The communication module 703 is a transmitter / receiver that transmits and receives signals via the antenna 708. The communication module (transmitter / receiver) 703 is coupled to the processor 701 to provide input signals and receive output signals, which is the same as in a conventional mobile communication terminal.

[0186] Based on different communication technologies, multiple communication modules 703 can be configured in the same electronic device, such as cellular network modules, Bluetooth modules, and / or wireless LAN modules. The communication module (transmitter / receiver) 703 is also coupled to a speaker 709 and a microphone 710 via an audio processing unit 705 to provide audio output via the speaker 709 and receive audio input from the microphone 710, thereby realizing typical telecommunications functions. The audio processing unit 705 may include any suitable buffer, decoder, amplifier, etc. Additionally, the audio processing unit 705 is also coupled to a processor 701, enabling on-device recording via the microphone 710 and on-device playback of stored audio via the speaker 709.

[0187] In embodiments of the present invention, a computer-readable storage medium is also provided for implementing all steps of the mobile payment method based on electronic vouchers in the above embodiments. The computer-readable storage medium stores a computer program, which, when executed by a processor, implements all steps of the mobile payment method based on electronic vouchers in the above embodiments. For example, when the processor executes the computer program, it implements the following steps:

[0188] Receive a transfer payment instruction and obtain the customer's electronic voucher based on the transfer payment instruction. The customer's electronic voucher includes the customer's payment limit information.

[0189] The availability of the electronic voucher is determined based on the customer's available credit limit and the transfer amount in the transfer payment instruction.

[0190] If the electronic voucher is available, deduct the amount from the electronic voucher and execute the transfer payment operation.

[0191] Furthermore, if the electronic voucher is available, deducting the amount from the electronic voucher and executing the transfer payment operation includes:

[0192] Obtain the transaction code information of the financial institution merchant, wherein the transaction code information includes: the transfer amount;

[0193] The transaction code information is identified, and the identified transaction code information is sent to the electronic voucher system for deduction of the credit limit. The electronic voucher system is used to deduct the available credit limit of the electronic voucher based on the customer's available credit limit and the transfer amount.

[0194] The payment system is invoked, and the transfer payment result is generated based on the deduction result according to the amount.

[0195] Furthermore, if the electronic voucher is available, deducting the amount from the electronic voucher and executing the transfer payment operation includes:

[0196] Obtain the transaction code information of the UnionPay merchant, wherein the transaction code information includes: the transfer amount;

[0197] The transaction code information is identified and sent to the payment system so that the payment system can call the electronic voucher system to deduct the amount. The electronic voucher system is used to deduct the available amount of the electronic voucher based on the customer's available amount and the transfer amount.

[0198] Call the UnionPay interface to generate the transfer payment result.

[0199] Furthermore, if the electronic voucher is available, deducting the amount from the electronic voucher and executing the transfer payment operation includes:

[0200] Generate transaction code information for scanning by financial institution merchants, the transaction code information including: transfer amount;

[0201] When a financial institution merchant scans the transaction code information, the transaction code information is sent to the electronic voucher system for credit deduction. The electronic voucher system is used to deduct the available credit of the electronic voucher based on the customer's available credit and the transfer amount.

[0202] The payment system is invoked, and the transfer payment result is generated based on the deduction result according to the amount.

[0203] Furthermore, if the electronic voucher is available, deducting the amount from the electronic voucher and executing the transfer payment operation includes:

[0204] Generate transaction code information for scanning by financial institution merchants, the transaction code information including: transfer amount;

[0205] When a UnionPay merchant scans the transaction code information, the transaction code information is sent to the payment system, so that the payment system calls the electronic voucher system to deduct the amount. The electronic voucher system is used to deduct the available amount of the electronic voucher based on the customer's available amount and the transfer amount.

[0206] Call the UnionPay interface to generate the transfer payment result.

[0207] Furthermore, the method also includes: displaying the transfer payment result.

[0208] Furthermore, the transaction code is a QR code.

[0209] As can be seen from the above, the computer-readable storage medium provided in the embodiments of the present invention receives a transfer payment instruction, obtains the customer's electronic voucher according to the transfer payment instruction, determines whether the electronic voucher is usable based on the available amount of the customer's electronic voucher and the transfer payment amount in the transfer payment instruction, and deducts the electronic voucher amount when the electronic voucher is usable, and executes the transfer payment operation. This ensures that the payment operation is simplified under the premise of security and compliance, enabling customers to realize mobile payment "anytime, anywhere, pay whenever they want", and improving the customer's payment experience.

[0210] While this invention provides the method operation steps as described in the embodiments or flowcharts, more or fewer operation steps may be included based on conventional or non-inventive labor. The order of steps listed in the embodiments is merely one possible execution order among many and does not represent the only possible execution order. In actual device or client product execution, the methods shown in the embodiments or drawings can be executed sequentially or in parallel (e.g., in a parallel processor or multi-threaded processing environment).

[0211] To achieve the above objectives, according to another aspect of this application, a computer device is also provided. This computer device includes a memory, a processor, a communication interface, and a communication bus. The memory stores a computer program executable on the processor, which, when executing the computer program, implements the steps of the methods described in the above embodiments.

[0212] The processor can be a central processing unit (CPU). The processor can also be other general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or combinations of the above types of chips.

[0213] Memory, as a non-transitory computer-readable storage medium, can be used to store non-transitory software programs, non-transitory computer-executable programs, and units, such as the program units corresponding to the above-described method embodiments of the present invention. The processor executes various functional applications and data processing of the processor by running the non-transitory software programs, instructions, and modules stored in the memory, thereby implementing the methods described in the above-described method embodiments.

[0214] The memory may include a program storage area and a data storage area. The program storage area may store the operating system and applications required for at least one function; the data storage area may store data created by the processor, etc. Furthermore, the memory may include high-speed random access memory and non-transitory memory, such as at least one disk storage device, flash memory device, or other non-transitory solid-state storage device. In some embodiments, the memory may optionally include memory remotely located relative to the processor, which can be connected to the processor via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0215] The one or more units are stored in the memory and, when executed by the processor, perform the methods described in the above embodiments.

[0216] This invention also provides a computer-readable storage medium storing a computer program for performing the above-described method.

[0217] Those skilled in the art will understand that embodiments of the present invention can be provided as methods, systems, or computer program products. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention can take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0218] This invention is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0219] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0220] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0221] The specific embodiments described above further illustrate the purpose, technical solution, and beneficial effects of the present invention. It should be understood that the above descriptions are merely specific embodiments of the present invention and are not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention should be included within the scope of protection of the present invention.

Claims

1. An electronic voucher based mobile payment method, characterized by, The application relates to a method for realizing mobile payment of a client, and belongs to the field of mobile payment. The application relates to a method for realizing mobile payment of a client, and belongs to the field of mobile payment. The application relates to a method for realizing mobile payment of a client, and belongs to the field of mobile payment. The application relates to a method for realizing mobile payment of a client, and belongs to the field of mobile payment. The application relates to a method for realizing mobile payment of a client, and belongs to the field of mobile payment. The application relates to a method for realizing mobile payment of a client, and belongs to the field of mobile payment. The application relates to a method for realizing mobile payment of a client, and belongs to the field of mobile payment. 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The For the financial institution merchant, the customer can use the way of being scanned to make the transfer payment: in the case that the electronic voucher is available, deduct the electronic voucher quota, execute the transfer payment operation, including: generating the transaction code information for being scanned by the financial institution merchant, the transaction code information including: the transfer amount; in the case that the financial institution merchant scans the transaction code information, sending the transaction code information to the electronic voucher system for the quota deduction processing, the electronic voucher system being used for deducting the available quota of the electronic voucher according to the available quota of the electronic voucher of the customer and the transfer amount; calling the payment system to generate the transfer payment result according to the quota deduction processing result; For the UnionPay merchant, the customer can use the way of being scanned to make the transfer payment: in the case that the electronic voucher is available, deduct the electronic voucher quota, execute the transfer payment operation, including: generating the transaction code information for being scanned by the financial institution merchant, the transaction code information including: the transfer amount; in the case that the UnionPay merchant scans the transaction code information, sending the transaction code information to the payment system to make the payment system call the electronic voucher system for the quota deduction processing, the electronic voucher system being used for deducting the available quota of the electronic voucher according to the available quota of the electronic voucher of the customer and the transfer amount; calling the UnionPay interface to generate the transfer payment result; The transaction code is a two-dimensional code.

2. The method of claim 1, wherein, Further comprising: Displaying the transfer payment result.

3. An electronic voucher based mobile payment device, characterized by Comprising: An electronic voucher obtaining module, configured to receive a transfer payment instruction and obtain an electronic voucher of a customer according to the transfer payment instruction, the electronic voucher of the customer including customer payment quota information; The transfer payment instruction at least includes: the transfer payment amount of the customer; the electronic voucher refers to: the electronic payment instruction generated by a company-authorized management based on the application of a smart phone for realizing the mobile and convenient company settlement business and being unforgeable, the user of the electronic voucher being an employee of the company and the manager being the finance and administrator of the company; A judgment module, configured to, when the customer selects the electronic voucher when making the mobile transfer payment, judge whether the electronic voucher is available according to the available quota in the customer payment quota information of the electronic voucher of the customer and the transfer payment amount in the transfer payment instruction; if the available quota is not enough, the electronic voucher is not allowed to be used for payment; if the available quota of the electronic voucher is enough, the transaction is sent to the back-end review, the available quota of the electronic voucher is deducted according to the transaction, and the transfer is started; if the transfer transaction fails, the quota is charged back; A transfer payment module, configured to, in the case that the electronic voucher is available, deduct the electronic voucher quota, execute the transfer payment operation, so as to simplify the payment operation under the premise of safety and compliance, and enable the customer to realize the mobile payment anytime and anywhere. For the financial institution merchant, the customer can use the way of being scanned code to make the transfer payment: the transfer payment module is further used for: obtaining the transaction code information of the financial institution merchant, the transaction code information including: the transfer amount; identifying the transaction code information, and sending the identified transaction code information to the electronic voucher system for the quota deduction processing, the electronic voucher system being used for deducting the available quota of the electronic voucher according to the available quota of the electronic voucher of the customer and the transfer amount; calling the payment system to generate the transfer payment result according to the quota deduction processing result; For the UnionPay merchant, the customer can use the way of actively scanning code to make the transfer payment: the transfer payment module is further used for: obtaining the transaction code information of the UnionPay merchant, the transaction code information including: the transfer amount; identifying the transaction code information, and sending the identified transaction code information to the payment system, so that the payment system calls the electronic voucher system for the quota deduction processing, the electronic voucher system being used for deducting the available quota of the electronic voucher according to the available quota of the electronic voucher of the customer and the transfer amount; calling the UnionPay interface to generate the transfer payment result; For the financial institution merchant, the customer can use the way of being scanned code to make the transfer payment: the transfer payment module is further used for: generating the transaction code information for being scanned by the financial institution merchant, the transaction code information including: the transfer amount; in the case that the financial institution merchant scans the transaction code information, sending the transaction code information to the electronic voucher system for the quota deduction processing, the electronic voucher system being used for deducting the available quota of the electronic voucher according to the available quota of the electronic voucher of the customer and the transfer amount; calling the payment system to generate the transfer payment result according to the quota deduction processing result; For the UnionPay merchant, the customer can use the way of being scanned code to make the transfer payment: the transfer payment module is further used for: generating the transaction code information for being scanned by the financial institution merchant, the transaction code information including: the transfer amount; in the case that the financial institution merchant scans the transaction code information, sending the transaction code information to the electronic voucher system for the quota deduction processing, the electronic voucher system being used for deducting the available quota of the electronic voucher according to the available quota of the electronic voucher of the customer and the transfer amount; calling the payment system to generate the transfer payment result according to the quota deduction processing result; The transaction code is a two-dimensional code.

4. The apparatus of claim 3, wherein, Further comprising: A result display module is used for displaying the transfer payment result.

5. A computer device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, The processor executes the computer program to realize the method of any one of claims 1 to 2.

6. A computer-readable storage medium, characterized in that, The computer readable storage medium stores the computer program for executing the method of any one of claims 1 to 2.

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