Payment and collection method, device, system and storage medium based on terminal equipment

Abstract

The embodiments of the present application provide a payment and collection method, apparatus, system, storage medium, electronic device and chip based on terminal devices. When the server receives an inquiry request, the payment information of the second terminal device is obtained, and there is no need for the payee to manually enter the payment information. The server obtains the chat content (i.e., interaction information) between the payer and the payee based on their respective terminal devices, and obtains the location information (i.e., location information) corresponding to the second terminal device and the first terminal device, and generates payment information based on the payment information, interaction information and location information. There is no need for the payee to perform calculations based on the payment information, nor is there a need for the payer to perform calculations based on the payment information. Therefore, the intelligence and automation of terminal device-based payments can be improved, and the time costs of the payer and the payee can be saved, and other technical effects can be achieved.

Description

Technical Field

[0001] The present application relates to the field of Internet technology, and in particular to a payment method, device, system, storage medium, electronic device and chip based on a terminal device. Background Art

[0002] With the development of Internet technology, terminal devices are widely used in daily life, and the terminal devices can support more and more services, such as payment services.

[0003] In the prior art, users can make payments through terminal devices. For example, after completing a dinner party, a user sends an inquiry request through a terminal device to inquire about the consumption amount of the dinner party. After seeing the inquiry request, the user who paid for the party can enter the corresponding amount through the terminal device. After seeing the corresponding amount, the inquiring user can select the payment service through the terminal device and enter and send payment information carrying the corresponding amount.

[0004] However, the inventors found that there are at least the following problems in the process of implementing the present invention: the user needs to input the corresponding amount through the terminal device, which is not very intelligent and wastes the user's time resources. Summary of the invention

[0005] To solve the above technical problems, the embodiments of the present application provide a payment method, apparatus, system, storage medium, electronic device and chip based on a terminal device.

[0006] According to one aspect of an embodiment of the present application, an embodiment of the present application provides a payment method based on a terminal device, the method comprising:

[0007] Receiving an inquiry request sent by the first terminal device, wherein the inquiry request is used to inquire about pending payment information;

[0008] Obtain payment information of the second terminal device;

[0009] Generate the pending payment information according to the payment information, interaction information and location information, wherein the interaction information is used to represent the chat content between the payee and the payee, and the location information is used to represent the location information corresponding to the second terminal device and the first terminal device respectively;

[0010] Control the second terminal device to output the pending payment information.

[0011] In an embodiment of the present application, if the executing entity of the embodiment of the present application is a server, then when the server receives an inquiry request, the payment information of the second terminal device is obtained, and there is no need for the payee to manually enter the payment information. The server obtains the chat content (i.e., interaction information) of the payer and the payee based on their respective terminal devices, and obtains the location information (i.e., location information) corresponding to the second terminal device and the first terminal device, and generates payment information based on the payment information, interaction information and location information. There is no need for the payee to perform calculations based on the payment information, nor is there a need for the payer to perform calculations based on the payment information. Therefore, the intelligence and automation of terminal device-based payments can be improved, saving the time costs of the payer and the payee, and other technical effects.

[0012] In some embodiments, after the payment information of the second terminal device, the method further includes:

[0013] Controlling the second terminal device to output the payment information;

[0014] And, generating the pending payment information based on the payment information, interaction information and location information includes: if a first confirmation message sent by the second terminal device is received, generating the pending payment information based on the payment information, the interaction information and the location information, wherein the first confirmation message is used to represent the payee's confirmation of the payment information.

[0015] For example, the second terminal device is controlled to output payment information. After seeing the payment information, the payee can choose to confirm the payment information. Of course, the payee can also choose to update the payment information. If the payee confirms the payment information, it means that the payment information is correct.

[0016] That is to say, in the embodiment of the present application, by having the payee confirm the payment information, the technical effect of improving the accuracy and reliability of the determined information to be paid can be achieved.

[0017] In some embodiments, after receiving the query request sent by the first terminal device, the method further includes: controlling the second terminal device to output the query request;

[0018] And, obtaining the payment information of the second terminal device includes: if a first settlement guidance instruction of the second terminal device is received, obtaining the payment information of the second terminal device, wherein the first settlement guidance instruction is used to represent that the payee inputs the payment information through the second terminal device.

[0019] For example, the server can control the second terminal device to output an inquiry request. After seeing the inquiry request, the payee can enter a corresponding response on the second terminal device. If the response entered by the payee indicates that the payee is about to enter payment information, the server obtains the payment information and generates payment information based on the payment information, interaction information and location information.

[0020] In some embodiments, generating the pending payment information according to the payment information, the interaction information and the location information includes:

[0021] Determine the estimated total number of people participating in payment and collection based on the interaction information;

[0022] Determine the actual total number of people participating in the payment and collection based on the estimated total number of people and the location information;

[0023] The pending payment information is generated according to the payment information and the actual total number of people.

[0024] In some embodiments, generating the pending payment information according to the payment information, the interaction information and the location information includes:

[0025] If the location information corresponding to the second terminal device and the location information corresponding to the first terminal device are two location information in different currencies, the payment information is converted into the payment information of the location information of the first terminal device according to the payment information;

[0026] Generate the pending payment information according to the interactive information and the converted payment information; or,

[0027] The pending payment information is generated according to the interaction information, the payment information and the converted payment information.

[0028] For example, the payee is in country A and the payee is in country B. The payee buys XX product for the payee in country A. The amount entered by the payee on his terminal device is based on the currency of country A. When the server receives the amount based on the currency of country A, it converts the currency into an amount based on the currency of country B.

[0029] That is to say, in the embodiment of the present application, by automatically converting the currency by the server, the disadvantage of wasting time and energy when the payee or payer converts the currency is avoided, and the technical effect of intelligent payment and collection is achieved.

[0030] In some embodiments, the method further comprises:

[0031] Receiving purchase demand information sent by the first terminal device, wherein the purchase demand information includes a purchase demand for at least one commodity;

[0032] generating commodity payment information according to the payment information corresponding to the at least one commodity;

[0033] Control the second terminal device to output the commodity payment information.

[0034] For example, in order to learn that the payer has a need to purchase a certain product, the server can generate product payment information for the product and control the second terminal device to display the product payment information.

[0035] In the embodiment of the present application, the commodity payment information is determined by the server, and the second terminal device is controlled to output the commodity payment information, and there is no need for the payee to feedback the commodity payment information to the purchase demand information.

[0036] In some embodiments, a mapping table may be pre-set in the server, and the mapping table includes a mapping relationship between commodities and prices. When the server receives the purchase demand information, it may obtain the price corresponding to the commodity from the mapping table according to the commodity in the purchase demand information, and generate commodity payment information.

[0037] In some embodiments, the server can control the first terminal device to output the commodity payment information while controlling the second terminal device to output the commodity payment information; of course, the server can also control the first terminal device to output the commodity payment information when receiving information from the second terminal device for confirming the commodity payment information; of course, the server can also control the first terminal device to output the commodity payment information after determining the commodity payment information.

[0038] In some embodiments, the method further comprises:

[0039] If there are multiple purchase demand information, receiving a second settlement guidance instruction sent by the second terminal device or the first terminal device, wherein the second settlement guidance instruction is used to indicate a total settlement of the multiple purchase demand information;

[0040] Generate the pending payment information according to the commodity payment information corresponding to each purchase demand information;

[0041] Control the second terminal device to output the pending payment information.

[0042] Among them, the second settlement guidance instruction can be the settlement guidance information in a specific embodiment.

[0043] For example, if there are five purchase demand information in total, when the payee enters the second settlement guidance instruction, such as "in total", on the second terminal device, the server generates the payment information to be paid according to the commodity payment information corresponding to the five purchase demand information, and controls the second terminal device to output the payment information to be paid.

[0044] That is to say, in the embodiment of the present application, the server can automatically calculate the payment information corresponding to each purchase demand information without the need for the payee or payer to perform calculations, thereby achieving a technical effect of improving intelligence.

[0045] In some embodiments, after controlling the second terminal device to output the pending payment information, the method further includes:

[0046] Control the first terminal device to output the pending payment information.

[0047] In some embodiments, controlling the first terminal device to output the pending payment information includes: if a second confirmation message sent by the second terminal device is received, controlling the first terminal device to output the pending payment information, wherein the second confirmation message is used to represent the payee's confirmation of the payment information.

[0048] In some embodiments, the method further comprises:

[0049] Control the first terminal device to output a payment interface corresponding to the pending payment information.

[0050] For example, after controlling the first terminal device to output the payment information (of course, it can also be at the same time, which is not limited in the embodiments of the present application), the server can control the first terminal device to output a payment interface, and the payer can complete the payment after confirming the payment information corresponding to the payment interface (such as entering a payment password, etc.).

[0051] That is to say, in the embodiment of the present application, the payer does not need to manually select and enter the payment amount, but can directly perform the payment operation based on the payment interface, which saves the user's operation time and improves the user's transfer experience.

[0052] According to another aspect of the embodiment of the present application, the embodiment of the present application further provides a payment and collection device based on a terminal device, the device comprising:

[0053] A receiving module, used for receiving an inquiry request sent by the first terminal device, wherein the inquiry request is used for inquiring about the pending payment information;

[0054] An acquisition module, used to acquire payment information of a second terminal device;

[0055] a first generating module, configured to generate the to-be-paid information according to the payment information, the interaction information and the location information, wherein the interaction information is used to represent the chat content between the payee and the payee, and the location information is used to represent the location information corresponding to each of the second terminal device and the first terminal device;

[0056] The first control module is used to control the second terminal device to output the pending payment information.

[0057] In some embodiments, the first control module is further used to control the second terminal device to output the payment information;

[0058] The first generation module is used to generate the pending payment information according to the payment information, the interaction information and the location information if a first confirmation message sent by the second terminal device is received, wherein the first confirmation message is used to represent the payee's confirmation of the payment information.

[0059] In some embodiments, the first control module is used to control the second terminal device to output the query request;

[0060] The acquisition module is used to acquire payment information of the second terminal device if a first settlement guidance instruction of the second terminal device is received, wherein the first settlement guidance instruction is used to indicate that the payee inputs the payment information through the second terminal device.

[0061] In some embodiments, the first generating module is used to determine the estimated total number of people participating in payment and collection based on the interaction information, determine the actual total number of people participating in payment and collection based on the estimated total number of people and the location information, and generate the pending payment information based on the payment information and the actual total number of people.

[0062] In some embodiments, the first generating module is used to convert the location information corresponding to the second terminal device and the location information corresponding to the first terminal device into payment information of the location information of the first terminal device according to the payment information if the location information corresponding to the second terminal device and the location information corresponding to the first terminal device are two location information using different currencies;

[0063] The pending payment information is generated according to the interaction information and the converted payment information; or, the pending payment information is generated according to the interaction information, the payment information and the converted payment information.

[0064] In some embodiments, the apparatus further comprises:

[0065] The receiving module is used to receive the purchase demand information sent by the first terminal device, wherein the purchase demand information includes a purchase demand for at least one commodity;

[0066] A second generating module, configured to generate commodity payment information according to the payment information corresponding to the at least one commodity;

[0067] The second control module is used to control the second terminal device to output the commodity payment information.

[0068] In some embodiments, the receiving module is further used to, if there are multiple pieces of purchase demand information, receive a second settlement guidance instruction sent by the second terminal device or the first terminal device, wherein the second settlement guidance instruction is used to indicate a total settlement of the multiple pieces of purchase demand information;

[0069] The second generating module is used to generate the pending payment information according to the commodity payment information corresponding to each purchase demand information;

[0070] The second control module is used to control the second terminal device to output the pending payment information.

[0071] In some embodiments, the apparatus further comprises:

[0072] The third control module is used to control the first terminal device to output the pending payment information.

[0073] In some embodiments, the third control module is used to control the first terminal device to output the pending payment information if a second confirmation message sent by the second terminal device is received, wherein the second confirmation message is used to indicate the payee's confirmation of the payment information.

[0074] In some embodiments, the third control module is further used to control the first terminal device to output a payment interface corresponding to the pending payment information.

[0075] According to another aspect of the embodiments of the present application, the embodiments of the present application further provide a computer storage medium, on which computer instructions are stored. When the computer instructions are executed by a processor, the method described in any of the above embodiments is executed.

[0076] According to another aspect of the embodiments of the present application, the embodiments of the present application further provide a computer program product, which, when executed on a processor, enables the method described in any one of the above embodiments to be executed.

[0077] According to another aspect of the embodiment of the present application, the embodiment of the present application further provides an electronic device, including:

[0078] at least one processor; and

[0079] a memory communicatively connected to the at least one processor; wherein,

[0080] The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor so that any of the above methods is executed.

[0081] According to another aspect of the embodiment of the present application, the embodiment of the present application further provides a chip, including:

[0082] An input interface, used to obtain an inquiry request sent by the first terminal device;

[0083] A logic circuit, used to execute the method described in any of the above embodiments to obtain the payment information;

[0084] The output interface is used to send the pending payment information to the second terminal device.

[0085] According to another aspect of the embodiment of the present application, the embodiment of the present application further provides a payment collection system, the system comprising:

[0086] A first terminal device is used to send an inquiry request to the payment collection device, wherein the inquiry request is used to inquire about the information to be paid;

[0087] The payment and collection device is used to execute the method described in any of the above embodiments;

[0088] The second terminal device is used to output the payment information. BRIEF DESCRIPTION OF THE DRAWINGS

[0089] The accompanying drawings are used to better understand the embodiments of the present application and do not constitute a limitation of the present application.

[0090] Figure 1 This is a schematic diagram of an application scenario of a payment method based on a terminal device according to an embodiment of the present application;

[0091] Figure 2 A schematic diagram of a payment method based on a terminal device according to an embodiment of the present application;

[0092] Figure 3 A schematic diagram of a payment method based on a terminal device according to another embodiment of the present application;

[0093] Figure 4 This is a schematic diagram of an interface of an embodiment of the present application;

[0094] Figure 5 This is a schematic diagram of an interface of another embodiment of the present application;

[0095] Figure 6 This is a schematic diagram of an interface of another embodiment of the present application;

[0096] Figure 7 This is a schematic diagram of an interface of another embodiment of the present application;

[0097] Figure 8 This is a schematic diagram of an interface of another embodiment of the present application;

[0098] Fig. 9A schematic diagram of a payment method based on a terminal device according to another embodiment of the present application;

[0099] Fig.10 This is a schematic diagram of an interface of another embodiment of the present application;

[0100] Fig.11 This is a schematic diagram of an interface of another embodiment of the present application;

[0101] Fig.12 This is a schematic diagram of an interface of another embodiment of the present application;

[0102] Fig.13 This is a schematic diagram of an interface of another embodiment of the present application;

[0103] Fig.14 A schematic diagram of a payment method based on a terminal device according to another embodiment of the present application;

[0104] Fig.15 This is a schematic diagram of an interface of another embodiment of the present application;

[0105] Fig.16 This is a schematic diagram of an interface of another embodiment of the present application;

[0106] Fig.17 This is a schematic diagram of an interface of another embodiment of the present application;

[0107] Fig.18 This is a schematic diagram of an interface of another embodiment of the present application;

[0108] Fig.19 This is a schematic diagram of an interface of another embodiment of the present application;

[0109] Fig. 20 This is a schematic diagram of an interface of another embodiment of the present application;

[0110] Fig.21 This is a schematic diagram of an interface of another embodiment of the present application;

[0111] Fig. 22 This is a schematic diagram of a payment and collection device based on a terminal device according to an embodiment of the present application;

[0112] Fig.23 A schematic diagram of a chip according to an embodiment of the present application;

[0113] Fig.24 A schematic diagram of an electronic device according to an embodiment of the present application. DETAILED DESCRIPTION

[0114] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0115] The terminal device-based payment method provided in the embodiment of the present application can be applied to Figure 1 The application scenario shown.

[0116] In such Figure 1 In the application scenario shown, each user corresponds to one or more terminal devices, and each terminal device is connected to a server. The terminal devices interact with each other through the server and realize payment and collection.

[0117] The server may distinguish different users based on the user identification ID, and determine one or more terminal devices corresponding to different users.

[0118] For example, if a user uses multiple terminal devices in the same payment process or in the same interaction process, the server can determine that the users using the multiple terminal devices are the same user based on the user identifier of the user.

[0119] In the related technology, taking the example of users in a group initiating payment after participating in a dinner party, a user in the group can inquire about the consumption amount of the dinner party through a terminal device, and the user who pays for the dinner party enters the corresponding amount through the terminal device. Other users participating in the dinner party select the payment service through the terminal device, and enter and send payment information carrying the corresponding amount.

[0120] However, the user who pays for the dinner party needs to manually input the corresponding amount, and other users who participate in the dinner party also need to manually select the payment service and manually input the corresponding amount. The process is relatively cumbersome and low in intelligence.

[0121] After creative work, the inventor of this application obtained the inventive concept of this application: the information to be paid is determined based on the payment information of the user who pays for the dinner, the interaction information of each user in the group, and the location information of each user in the group, and the user does not need to perform tedious operations.

[0122] For example, Figure 2 As shown, the method based on the inventive concept may include:

[0123] S01: receiving an inquiry request sent by a terminal device of the payer, wherein the inquiry request is used to inquire about information to be paid.

[0124] S02: Obtain payment information of the payee's terminal device.

[0125] S03: Generate information to be paid based on payment information, interaction information and location information, wherein the interaction information is used to indicate the chat content between the collector and the payee, and the location information is used to indicate the location information corresponding to the terminal device of the collector and the terminal device of the payee.

[0126] S04: Control the terminal device of the payee to output the payment information.

[0127] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0128] According to one aspect of an embodiment of the present application, an embodiment of the present application provides a payment method based on a terminal device.

[0129] See also Figure 3 , Figure 3 This is a schematic diagram of a payment method based on a terminal device according to another embodiment of the present application.

[0130] like Figure 3 As shown, the method includes:

[0131] S101: Sending an inquiry request sent by the payer's terminal device (hereinafter referred to as the first terminal device) to the payee's terminal device (hereinafter referred to as the second terminal device), wherein the inquiry request is used to inquire about the pending payment information.

[0132] Among them, the execution entity of the embodiment of the present application can be a server, and the server is connected to multiple terminal devices to realize information interaction between the terminal devices.

[0133] Among them, "payer", "payer's terminal device", "payee" and "payee's terminal device" are intended to facilitate the distinction between the payee and the payer in the same payment and collection process, as well as the distinction between the terminal device used by the payee and the terminal device used by the payer, and cannot be understood as a limitation on the user itself or the terminal device itself.

[0134] For example, if a user is the user who initiates payment collection, in this link, in order to distinguish the user's payment collection role from other users' payment roles, the user can be called the payee; if the user is the user who pays, in order to distinguish the user's payment role from other users' payment collection roles, the user can be called the payee. Accordingly, when a user uses a terminal device to collect money, the terminal device is the terminal device of the payee (i.e., the first terminal device); and when the user uses a terminal device to pay, the terminal device is the terminal device of the payee (i.e., the second terminal device).

[0135] Among them, the terminal device (including the first terminal device and the second terminal device) may include an electronic device including a display interface that supports a chat application and supports a payment application.

[0136] Specifically, the terminal device can be a wireless terminal or a wired terminal. The wireless terminal can be a device that provides voice and / or other business data connectivity to users, a handheld device with wireless connection function, or other processing devices connected to a wireless modem. The wireless terminal can communicate with one or more core network devices via a radio access network (Radio Access Network, referred to as RAN). The wireless terminal can be a mobile terminal, such as a mobile phone (or "cellular" phone) and a computer with a mobile terminal. For example, it can be a portable, pocket-sized, handheld, computer-built-in or vehicle-mounted mobile device that exchanges language and / or data with the radio access network. For another example, the wireless terminal can also be a personal communication service (Personal Communication Service, referred to as PCS) phone, a cordless phone, a Session Initiation Protocol (Session Initiation Protocol, referred to as SIP) phone, a wireless local loop (Wireless Local Loop, referred to as WLL) station, a personal digital assistant (Personal Digital Assistant, referred to as PDA) and other devices. The wireless terminal may also be referred to as a system, a subscriber unit, a subscriber station, a mobile station, a mobile station, a remote station, a remote terminal, an access terminal, a user terminal, a user agent, a user device or user equipment, without limitation herein. Optionally, the terminal device may also be a smart watch, a tablet computer, or other device.

[0137] In the embodiments of the present application, the terminal device is mainly described as a mobile phone. In some embodiments, the execution subject of the application embodiment can also be a payment device set in the terminal device, and the payment device can be a chip.

[0138] In the embodiment of the present application, there is no limit on the number of payers, that is, the number of payers can be 1 or more, and the payers can be some users in a group in the chat application or all users in a group in the chat application, and the query request can be initiated by any user among the payers.

[0139] like Figure 4 As shown, in a group of 5 people, one user is the payee and the other 4 users are the payers. One of the 4 payers can initiate an inquiry request through the first terminal device corresponding to the user to inquire about the pending payment information, that is, Figure 4 “How much is this meal today?” as shown in the figure.

[0140] S102: Outputting the total amount of the payment through the display interface of the second terminal device (hereinafter referred to as the second display interface).

[0141] The total amount of money received is determined based on the payment amount of the second terminal within a preset time period.

[0142] Similarly, in order to distinguish the display interface of the first terminal device from the display interface of the second terminal device, the display interface of the payee's terminal device can be called the second display interface, and the display interface of the payee's terminal device that will appear later can be called the first display interface.

[0143] The preset time period may be determined by the chat record, or may be set based on demand, experience, or experiment. For example, if the time of the dinner party is known through the chat record, the corresponding payment amount is obtained according to the time of the dinner party, and the payment amount is determined as the total amount received.

[0144] That is, in some embodiments, the server can determine the total amount of payment received by obtaining the payment information corresponding to the dinner time.

[0145] For example, when the payee enters "total" on the second display interface, the server determines and outputs 1,376 yuan through the second display interface.

[0146] Of course, in other embodiments, the total amount of payment output by the server through the second display interface may also be input by the payee. For example, when the payee reads the query request displayed through the second display interface, the payee may input the total amount of payment on the second display interface.

[0147] S103: Determine the payee and payment amount based on the total amount of receipts and historical records.

[0148] Among them, historical records are used to represent chat content and location information related to payment and collection.

[0149] That is to say, the historical records can be reflected in two aspects: one is the record of the chat content, and the other is the record of the location information of the terminal device (including the first terminal device and the second terminal device).

[0150] In some embodiments, S103 may specifically include:

[0151] S31: Monitor the chat content.

[0152] S32: Analyze the chat content to determine whether the chat content involves payment requirements. If yes, execute S33; if no, execute S31.

[0153] In order to accurately determine whether the chat content involves the need for payment, the chat content involving the need for payment can be labeled in advance. For example, based on needs, experience, and experiments, the chat content involving the need for payment can be labeled, and different labels can be used for different payment demand scenarios.

[0154] For example, if the chat content is "Let's go to XX place for dinner together", the chat content can be labeled "dinner party"; if the chat content is "Let's go to XX place for a spring outing together", the chat content can be labeled "outing", and so on.

[0155] It is worth noting that the above examples are only used to illustrate that different tags can be pre-configured for different chat contents, and cannot be understood as a limitation on the scenarios of payment needs and the limitation on tag types.

[0156] And in some embodiments, the chat content can be contextual chat content, that is, the context is combined to determine whether it involves the need for payment and collection, and labeling is performed.

[0157] In other embodiments, in addition to labeling the chat content from the perspective of the payment demand scenario as in the above example, time and address labels can also be configured for the chat content on this basis. The time labels include "tomorrow, backstage and specific date" and the address labels include "a certain restaurant and XX Road" and the like.

[0158] S33: Determine the total number of people expected to participate in payment and collection.

[0159] It is worth explaining that, generally speaking, if a need involving payment is determined in the group and no one raises a different opinion, such as not participating in a party or outing, the total number of people in the group can be determined as the estimated total number of people.

[0160] For example, based on the above example, when the payee initiates a dinner proposal of "Let's go to XX restaurant for dinner", and other users do not disagree, it is assumed that other users agree with the payee's dinner proposal, and the total number of people is expected to be 5.

[0161] Of course, if one user disagrees when the recipient proposes a dinner party of "Let's go to XX restaurant for dinner", the total number of people is expected to be 4. The method when multiple users disagree is similar to this, and will not be listed here one by one.

[0162] It should be noted here that there is no dinner party at the moment. In this case, the payee is still unknown, that is, the payee can be any one of the five users. This is for the convenience of readers to understand and to combine with the context. It is assumed here that the user who initiates the dinner party suggestion is the payee user. Of course, the user who initiates the dinner party suggestion can also be other users. The implementation principle is the same and will not be repeated here.

[0163] S34: Determine whether the chat content involves location information. If yes, execute S35; if no, execute S36.

[0164] S35: Determine the number of users who are located in the location information in a certain time period (in order to distinguish the number of users in branch S36, referred to as the first number below), and execute S37.

[0165] For example, if the chat content involves location information, it is equivalent to the address of a dinner party involved in the chat content. Then, whether 5 users (assuming that all users in the group agree with the dinner party proposal) are located at the address in a certain time period, if so, it means that 5 users have participated in the dinner party, and the first quantity is 5; if some users are not located at the address in the time period, it means that these users did not participate in the dinner party, and the first quantity is the number of users located at the address in the time period, or, the first quantity is 5 minus the number of users who did not participate in the dinner party.

[0166] S36: Determine the number of users located at a certain same address in a certain time period (in order to distinguish the number of users in branch S35, referred to as the second number below), and execute S37.

[0167] For example, if the chat content does not involve location information, it is equivalent to that the chat content does not involve the address of the dinner party. Then the address of each user in each time period can be obtained. If five users are at the same address in a certain time period, it means that the five users had a dinner party at the address, and the second number is 5; if some of the five users are at the address in the time period, it means that some of the five users participated in the dinner party, and the second number is the number of users who are at the address in the time period.

[0168] S37: Determine whether the chat content involves the number of people involved in payment and collection. If so, execute S38; if not, execute S42.

[0169] For example, although some users participate in a dinner party, they do not need to pay. For example, if four users in a group invite another user to dinner, the number of people involved in the payment does not include the invited user. Therefore, in order to improve the accuracy and reliability of the payer and the payment amount, the number of people involved in the payment can be determined first.

[0170] S38: Determine whether the number of people participating in payment and collection is the same as the number of determined users. If so, execute S39; if not, execute S41.

[0171] S39: Determine the number of people participating in the payment or the number of determined users as the number of consuming users.

[0172] S40: Determine the payment amount of each user (including the payer and the payee) according to the total amount of payment received and the number of consuming users.

[0173] S41: Determine the number of people participating in the payment as the number of consumer users, and execute SS40.

[0174] S42: Determine the determined number of users as the number of consumer users, and execute S40.

[0175] S104: Displaying the pending payment information via the second display interface.

[0176] The pending payment information is used to represent the number of payees and / or the amount of payment.

[0177] For example, if the total amount of receivables is 1,376 yuan, the number of payers is 4 people, and the payee is also one of the consumers of 1,376 yuan, therefore, the number of consumer users is the sum of payers and payees. When calculating the payment amount, the payee should also be included, that is, payment amount = total amount of receivables 1,376 yuan / number of consumer users 5 people = 275.2 yuan / person.

[0178] In some embodiments, the number of consumer users and the average payment amount may be displayed on the second display interface. The average payment amount is the payment amount corresponding to each consumer user. Figure 5 As shown in the figure “4 people waiting to pay, 275.2 yuan each”.

[0179] Of course, in other embodiments, while displaying the number of consumer users and the average payment amount, the payer and the payment amount can also be output on the second display interface. Figure 6 As shown in , the relevant information of the four parties to be paid (including avatars and user names) is displayed, and the corresponding payment amounts are displayed.

[0180] In some embodiments, while the payee and the payment amount corresponding to each other are output through the second display interface, an inquiry may be initiated to the payee to confirm whether the displayed information is correct, such as Figure 6 , click OK.

[0181] S105: Receive a confirmation instruction input by the payee through the second display interface, wherein the confirmation instruction is used by the payee to confirm that the payer and the payment amount are correct.

[0182] S106: The payer sends information carrying the payment amount to the first terminal device.

[0183] It is worth noting that in order to improve the accuracy of payment, the payer and the payment amount corresponding to each payer can be displayed on the second display interface for confirmation by the payee to avoid missing a payer or adding a payer who did not participate in the dinner.

[0184] In some embodiments, the payee may click on the total amount of payment displayed on the second display interface. After receiving the payee's click operation, the payee and the payment amount corresponding to each of the payees may be displayed on the second display interface.

[0185] For example, when the second display interface is Figure 5 When the payment is displayed, the recipient can click "Total 1376 yuan" to enter Figure 6 The display interface shown, and after receiving the "OK" triggered by the payee, the payment amount information will be carried to the first terminal device.

[0186] That is to say, in the embodiment of the present application, the second terminal device can send the information carrying the payment amount to the first terminal device after confirmation by the payee, or it can directly send the information carrying the payment amount to the first terminal device.

[0187] Based on the above example, it can be known that there may be one or more payers. In this step, the identification ID of the second terminal device of each payer can be obtained, and information carrying the payment amount can be sent to each second terminal device based on the identification ID.

[0188] S107: Outputting the information of the payment amount through the first display interface.

[0189] Combination Figure 7 It can be seen that “You need to pay 275.2 yuan” can be displayed on the first display interface.

[0190] In some embodiments, the total amount can also be displayed on the first display interface, such as Figure 7 The total amount is 1,376 yuan as shown in the figure.

[0191] Of course, in other embodiments, the total number of payees may also be displayed on the first display interface, such as "a total of 1,376 yuan, and 5 payees" (not shown in the figure).

[0192] S108: Outputting a payment interface carrying the payment amount through the first display interface.

[0193] It is worth noting that, in some embodiments, the payment interface can be directly output on the first display interface.

[0194] In other embodiments, the user can trigger the first online interface to output a payment interface by clicking “You need to pay 275.2 yuan” displayed on the first display interface.

[0195] The payment interface can be found in Figure 8 .

[0196] S109: Receive the payment instruction sent by the first terminal device and execute the payment operation.

[0197] For example, Figure 8 As shown, when the payer clicks "OK" on the payment interface, the first terminal device sends an instruction to the server, and the server executes the payment operation.

[0198] See also Fig. 9 , Fig. 9 This is a schematic diagram of a payment method based on a terminal device according to another embodiment of the present application.

[0199] like Fig. 9 As shown, the method includes:

[0200] S201: Sending purchase demand information sent by the first terminal device to the second terminal device.

[0201] The purchase demand information is used to represent the relevant information of the payer's purchase of goods, such as one or more of the name, model and quantity of the purchased goods.

[0202] It is worth noting that since the purchase demand information also involves the demand for payment, and based on the above examples, it can be known that the chat content involving the demand for payment can be labeled, then in the embodiment of the present application, for the scenario of purchasing goods, the chat content can be labeled "agent purchase", etc. Similarly, the chat content can also be configured with address labels, product labels, etc.

[0203] For example, for the chat content "Are you going to XX country? Buy me XXX lamp?" sent by the first terminal device, the chat content can be labeled "Purchasing on behalf of others", and the product label "XXX lamp" and the address label "XX country" can be configured. Fig.10 .

[0204] S202: Outputting purchase feedback information through the second terminal device, wherein the purchase feedback information carries the amount to be converted.

[0205] The amount to be converted is used to represent the amount expressed in the currency unit of country XX.

[0206] For example, if the currency unit of country XX is USD, the amount to be converted is USD X.

[0207] Based on the above example, it can be seen that in the embodiment of the present application, the purchase feedback information can also be determined based on the payment amount of the second terminal within a preset time period.

[0208] That is, in some embodiments, the server may determine the purchase feedback information by obtaining the payment information of the payee.

[0209] For example, when the payee enters "bought" on the second display interface, the server determines and outputs $42.5 through the second display interface. Fig.11 .

[0210] Of course, in other embodiments, the total amount of payment output by the server through the second display interface may also be input by the payee. For example, when the payee buys XXX lamp for the payer, the purchase feedback information may be input on the second display interface. For example, "I bought it today, 42.5 US dollars".

[0211] S203: Acquire location information of the second terminal device (hereinafter referred to as the second location information), and acquire location information of the first terminal device (hereinafter referred to as the first location information).

[0212] The first location information and the second location information are used to distinguish the locations of the first terminal device and the second terminal device, and cannot be understood as a limitation of the location information itself.

[0213] Specifically, there are many ways for the server to obtain the first location information and the second location information, which are not limited in this application.

[0214] Take the example of the server obtaining the second location information:

[0215] In some embodiments, the server may determine the second location information based on the chat content. Fig.10 Based on the chat content shown, the server analyzes "Are you going to XX country? Buy me XXX lamp." and finds that the second location information is XX country.

[0216] In some other embodiments, the server may collect the second location information by a sensor disposed on the second terminal device, wherein the sensor includes a sensor with a positioning function, such as a global positioning system (GPS).

[0217] In other embodiments, the server may also collect the payee's itinerary information and determine the second location information based on the itinerary information. The itinerary information is used to indicate the payee's travel-related information, such as the itinerary information may include the information of the airline ticket purchased by the payee through the second terminal device, and may also include the travel log set by the payee on the second terminal device, etc.

[0218] For example, if the itinerary information is information about an airline ticket purchased by the payer through the second terminal device, the location information of the destination of the airline ticket is the second location information.

[0219] Similarly, if the itinerary information is a travel log, the location information of the destination in the travel log is the second location information.

[0220] Take the server obtaining the first location information as an example:

[0221] In some embodiments, the server may determine the first location information based on the chat content. Fig.10 Based on the chat content shown, the server analyzes "Are you going to XX country? Buy me XXX lamp." and finds that the second location information is XX country, and the location information of the second terminal device at the time when the chat content is generated is the first location information.

[0222] In other embodiments, the server may also determine the first location information based on the itinerary information. Based on the above example, if the itinerary information is information about the airline ticket purchased by the payer through the first terminal device, the first location information is the location information of the starting point of the airline ticket. If the itinerary information is a travel log, the location information of the starting point in the travel log is the first location information.

[0223] In other embodiments, the server may also select the location information with the longest stay time from the location information within a preset time and determine it as the first location information.

[0224] S204: Convert the amount to be converted according to the first location information and the second location information to generate an amount to be paid corresponding to the first location information.

[0225] The amount to be paid is used to represent an amount expressed in a monetary unit of the country where the first location information is located.

[0226] Specifically, the server may obtain the currency exchange rate between the two location information based on the first location information and the second location information, and perform conversion calculation on the amount to be converted according to the currency exchange rate to generate the amount to be paid.

[0227] For example, if the currency unit of the country where the first location information is located is RMB, the amount to be paid is XX RMB.

[0228] In some embodiments, after determining the amount to be paid, the server can display the amount to be paid through the second display interface. Fig.11 .

[0229] like Fig.11 As shown, the purchase feedback information is "I bought it today, 42.5 US dollars", and "42.5 US dollars" is the amount to be converted. The second display interface can display the amount to be paid "275.2 RMB" while displaying "I bought it today, 42.5 US dollars".

[0230] S205: Sending purchase feedback information carrying the amount to be paid to the first terminal device.

[0231] In some embodiments, when the payee clicks "I bought it today, $42.5" on the second display interface, the server will send purchase feedback information carrying the amount to be paid to the first terminal device.

[0232] The purchase feedback information may also include the amount to be converted, that is, the purchase feedback information includes both the amount to be paid and the amount to be converted.

[0233] S206: Displaying the purchase feedback information including the amount to be paid through the first display interface.

[0234] Of course, in some embodiments, when the feedback information carrying the amount to be paid is displayed through the first display interface, the amount to be converted can also be displayed. Fig.12 ,like Fig.12 As shown, on the first terminal device, when the amount to be paid "275.2 RMB" is displayed, the amount to be converted "42.5 USD" can also be displayed.

[0235] It is worth noting that the present application does not limit the display position of the amount to be paid and the display position of the amount to be converted, that is, Fig.12 The display method in the display is to display the amount to be paid and the amount to be converted, and the display positions of the amount to be paid and the amount to be converted can also be swapped.

[0236] S207: Outputting a payment interface carrying the amount to be paid through the first display interface.

[0237] It is worth noting that, in some embodiments, the payment interface can be directly output through the first display interface.

[0238] In some embodiments, the payer can trigger the output of the payment interface on the first display interface by clicking "I bought it today, 275.2 yuan" output on the first display interface.

[0239] The payment interface can be found in Fig.13 .

[0240] S208: Receive the payment instruction sent by the first terminal device and execute the payment operation.

[0241] For example, Fig.13 As shown, when the payer clicks "OK" on the payment interface, the server executes the payment operation.

[0242] See also Fig.14 , Fig.14 This is a schematic diagram of a payment method based on a terminal device according to another embodiment of the present application.

[0243] like Fig.14 As shown, the method includes:

[0244] S301: monitoring purchase demand information sent by a first terminal device to a second terminal device.

[0245] Based on the above examples, it can be known that the purchase demand information can be used to represent the relevant information of the purchase of the goods by the payer, such as one or more of the name, model, and quantity of the purchased goods. Among them, in the embodiment of the present application, the purchase demand information includes multiple of the name, model, and quantity of the purchased goods, such as the purchase demand information includes both the name and quantity of the purchased goods.

[0246] It is worth noting that the purchase demand information may include one or more purchase demands in a purchase experience. Among them, a purchase experience can be used to characterize the time required to complete a purchase. In other words, the purchase demand information may be the name of the product purchased by the payee within a preset time period and the quantity of the product purchased. The preset time period may be set based on demand, experience, and experiment.

[0247] For example, a purchase intention tag can be set for purchase demand information. When the chat content initiated by the payer includes content with the purchase intention tag, such as "sell" and "how much", it means that the payer has a purchase demand, and the second terminal device starts monitoring the chat content.

[0248] like Fig.15 As shown, when the payer inputs "How much does XX mask sell for" in the first display interface, the server determines that the chat content includes content with a purchase intention tag, and the server starts monitoring the chat content.

[0249] In some embodiments, the time point when the payment is completed can be used as the end time of the preset time period, that is, the second terminal device ends monitoring the chat content.

[0250] In other embodiments, the time point when the amount to be paid is generated may also be used as the end point of the preset time period, that is, the second terminal device ends monitoring the chat content.

[0251] S302: Outputting payment information corresponding to the purchase demand information through the first display interface.

[0252] Based on the above examples, it can be known that the purchase demand information may be the product name and quantity of the product that the payer needs to purchase within a preset time period. In some embodiments, if the purchase demand information is a purchase demand for a certain product, and the purchase quantity determined according to the purchase demand information is 1, the server obtains the pre-stored price information of the product name corresponding to the purchase demand information, determines the amount as payment information, and outputs the payment information through the first display interface.

[0253] In some embodiments, a mapping relationship between product names and prices, and / or a mapping relationship between product images and prices can be established. When purchase demand information sent by the first terminal device is monitored, the price is determined based on the product name or product image in the purchase demand information and the mapping relationship.

[0254] For example, based on Fig.15 It can be seen that according to the purchase demand information, the payee's product demand is XX mask, so the server obtains the price information of XX mask, which is 52.5 yuan per box, and then outputs 52.5 yuan per box through the first display interface. For details, please refer to Fig.16 .

[0255] Of course, in other embodiments, the payment information may also be input by the payee through the second display interface.

[0256] The above example exemplifies the case where the purchase demand information of the payer includes one product and the quantity is 1. The purchase demand information includes one product and the quantity is multiple, such as the quantity is 5, and is explained as follows.

[0257] like Fig.17 As described above, if the payee enters "how much for 5 boxes of XX mask" on the first display interface, the server obtains the unit price of XX mask, 52.5 yuan, and determines the payment information of 262.5 yuan by the unit price of 52.5 yuan * the quantity of 5 boxes. Fig.17 As shown, the unit price can also be displayed.

[0258] S303: Receive settlement guidance information sent by the first terminal device and / or the second terminal device.

[0259] The settlement guidance information is used to indicate that the purchase demand information has ended, that is, the purchase demand of the payer has ended.

[0260] In some embodiments, a purchase end tag may also be set to indicate the end of the purchase intention. When the chat content input by the payer and / or the payee includes the content of the purchase intention end tag, such as "total" and "total", it means that the payer and / or the payee has input settlement guidance information.

[0261] That is, in some embodiments, the settlement guidance information may be as follows: Fig.18 The picture shows "I bought five boxes of facial masks and two facial cleansers. How much is the total?"

[0262] In other embodiments, the settlement guidance information may be as follows: Fig.19 Total shown.

[0263] S304: Generate the amount to be paid according to the chat content corresponding to the purchase demand information.

[0264] The chat content corresponding to the purchase demand information is used to represent the chat content from when the server receives the purchase demand information to when the server receives the settlement guidance information.

[0265] like Fig.19 As shown, when the payee enters the settlement guidance information, that is, "total", the server calculates the amount to be paid according to the chat content, and the amount to be paid = 52.5*5+38*2 = 338.5 yuan.

[0266] In an embodiment of the present application, the payee does not need to perform any calculations; the second terminal device performs the calculations based on the chat content and displays the calculated amount to be paid.

[0267] S305: Displaying the amount to be paid through the first display interface.

[0268] In some embodiments, after the server generates the amount to be paid, it can be directly displayed through the first display interface.

[0269] In other embodiments, after generating the amount to be paid, the server may also display it through the second display interface, and upon receiving a "send" instruction from the second terminal device, send the amount to be paid to the first terminal device and display it through the first display interface.

[0270] For details about the display interface, please refer to Fig. 20 .

[0271] S306: Outputting a payment interface carrying the amount to be paid through the first display interface.

[0272] It is worth noting that, in some embodiments, the payment interface can be directly output through the first display interface.

[0273] In some embodiments, the payer can trigger output of a payment interface on the first display interface by clicking “338.5 yuan in total” output on the first display interface.

[0274] The payment interface can be found in Fig.21 .

[0275] S307: Receive the payment instruction sent by the first terminal device and execute the payment operation.

[0276] For example, Fig.21 As shown, when the payer clicks "OK" on the payment interface, the first terminal device sends an instruction to the server, and the server executes the payment operation.

[0277] According to another aspect of the embodiments of the present application, the embodiments of the present application also provide a terminal device-based payment and collection apparatus for executing the method described in any of the above embodiments.

[0278] See also Fig. 22 , Fig. 22 This is a schematic diagram of a terminal device-based payment collection device according to an embodiment of the present application.

[0279] like Fig. 22 As shown, the device comprises:

[0280] The receiving module 11 is used to receive an inquiry request sent by a terminal device of the payer, wherein the inquiry request is used to inquire about the information to be paid;

[0281] An acquisition module 12 is used to acquire payment information of a terminal device of a payee;

[0282] A first generating module 13, configured to generate the to-be-paid information according to the payment information, the interaction information and the location information, wherein the interaction information is used to represent the chat content between the payee and the payee, and the location information is used to represent the location information corresponding to the terminal device of the payee and the terminal device of the payee respectively;

[0283] The first control module 14 is used to control the terminal device of the payee to output the pending payment information.

[0284] In some embodiments, the first control module 14 is further used to control the terminal device of the payee to output the payment information;

[0285] The first generating module 13 is used to generate the pending payment information according to the payment information, the interaction information and the location information if a first confirmation message sent by the terminal device of the payee is received, wherein the first confirmation message is used to represent the payee's confirmation of the payment information.

[0286] In some embodiments, the first control module 14 is used to control the terminal device of the payee to output the inquiry request;

[0287] The acquisition module 12 is used to acquire payment information of the terminal device of the payee if a first settlement guidance instruction is received from the terminal device of the payee, wherein the first settlement guidance instruction is used to indicate that the payee inputs the payment information through the terminal device of the payee.

[0288] In some embodiments, the first generating module 13 is used to determine the estimated total number of people participating in payment and collection based on the interaction information, determine the actual total number of people participating in payment and collection based on the estimated total number of people and the location information, and generate the pending payment information based on the payment information and the actual total number of people.

[0289] In some embodiments, the first generating module 13 is used to convert the location information corresponding to the terminal device of the payee and the location information corresponding to the terminal device of the payee into payment information of the location information of the terminal device of the payee according to the payment information if the location information corresponding to the terminal device of the payee and the location information corresponding to the terminal device of the payee are two location information using different currencies;

[0290] The pending payment information is generated according to the interaction information and the converted payment information; or, the pending payment information is generated according to the interaction information, the payment information and the converted payment information.

[0291] Combination Fig. 22 It can be seen that, in some embodiments, the device further includes:

[0292] The receiving module 11 is used to receive the purchase demand information sent by the terminal device of the payer, wherein the purchase demand information includes the purchase demand of at least one commodity;

[0293] A second generating module 15, configured to generate commodity payment information according to the payment information corresponding to the at least one commodity;

[0294] The second control module 16 is used to control the terminal device of the payee to output the commodity payment information.

[0295] In some embodiments, the receiving module 11 is further used to, if there are multiple pieces of purchase demand information, receive a second settlement guidance instruction sent by the terminal device of the payee or the terminal device of the payee, wherein the second settlement guidance instruction is used to indicate a total settlement of the multiple pieces of purchase demand information;

[0296] The second generating module 15 is used to generate the pending payment information according to the commodity payment information corresponding to each purchase demand information;

[0297] The second control module 16 is used to control the terminal device of the payee to output the pending payment information.

[0298] Combination Fig. 22 It can be seen that, in some embodiments, the device further includes:

[0299] The third control module 17 is used to control the terminal device of the payer to output the pending payment information.

[0300] In some embodiments, the third control module 17 is used to control the payer's terminal device to output the pending payment information if a second confirmation message sent by the payee's terminal device is received, wherein the second confirmation message is used to represent the payee's confirmation of the payment information.

[0301] In some embodiments, the third control module 17 is used to control the payer's terminal device to output a payment interface corresponding to the pending payment information.

[0302] According to another aspect of the embodiment of the present application, the embodiment of the present application further provides a chip, and the above-mentioned payment and collection device based on the terminal device can also be understood as a chip.

[0303] See also Fig.23 , Fig.23 A schematic diagram of a chip according to an embodiment of the present application.

[0304] like Fig.23 As shown, the chip includes:

[0305] Input interface 31, used to obtain the inquiry request sent by the terminal device of the payer;

[0306] Logic circuit 32, used to execute the method described in any of the above embodiments to obtain the payment information;

[0307] The output interface 33 is used to send the pending payment information to the terminal device of the payee.

[0308] Of course, in some embodiments, the output interface 33 can also be used to send the pending payment information to the terminal device of the payer.

[0309] According to another aspect of the embodiments of the present application, the embodiments of the present application further provide a computer program product. When the computer program product runs on a processor, the method corresponding to the above-mentioned communication device is executed, or the method corresponding to the above-mentioned network side device is executed.

[0310] According to another aspect of the embodiments of the present application, the embodiments of the present application also provide a computer storage medium, on which computer instructions are stored. When the computer instructions are executed by a processor, a method corresponding to the above-mentioned communication device is executed, or a method corresponding to the above-mentioned network side device is executed.

[0311] According to another aspect of the embodiment of the present application, the embodiment of the present application further provides a payment collection system, the system comprising:

[0312] The terminal device of the payer is used to send an inquiry request to the payment receiving device, wherein the inquiry request is used to inquire about the information to be paid;

[0313] The payment and collection device is used to execute the method described in any of the above embodiments;

[0314] The payee's terminal device is used to output the payment information.

[0315] The payment and collection device is the payment and collection device based on the terminal device in the above example.

[0316] According to another aspect of the embodiments of the present application, the embodiments of the present application also provide an electronic device.

[0317] See also Fig.24 , Fig.24 A schematic diagram of an electronic device according to an embodiment of the present application.

[0318] Among them, electronic devices are intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. Electronic devices can also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices, and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present application described and / or required herein.

[0319] like Fig.24 As shown, the electronic device includes: one or more processors 501, a memory 502, and an interface for connecting various components, including a high-speed interface and a low-speed interface. Among them, the memory 502 and the processor 501 can be connected through an interface, or they can be integrated together. The various components are connected to each other using different buses, and can be installed on a common mainboard or installed in other ways as needed. The processor can process instructions executed in the electronic device, including instructions stored in or on the memory to display graphical information of the GUI on an external input / output device (such as a display device coupled to the interface). In other embodiments, if necessary, multiple processors and / or multiple buses can be used together with multiple memories and multiple memories. Similarly, multiple electronic devices can be connected, and each device provides some necessary operations (for example, as a server array, a group of blade servers, or a multi-processor system). Fig.24 A processor 501 is taken as an example.

[0320] The memory 502 is the computer storage medium provided in the present application. The memory stores instructions executable by at least one processor so that the terminal device-based payment method provided in the present application is executed. The computer storage medium of the present application stores computer instructions so that the terminal device-based payment method provided in the present application is executed.

[0321] The memory 502 is a computer storage medium that can be used to store non-transient software programs, non-transient computer executable programs and modules. The processor 501 executes various functional applications and data processing by running the non-transient software programs, instructions and modules stored in the memory 502.

[0322] The memory 502 may include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application required for at least one function; the data storage area may store data created according to the use of the electronic device, etc. In addition, the memory 502 may include a high-speed random access memory, and may also include a non-transient memory, such as at least one disk storage device, a flash memory device, or other non-transient solid-state storage device. In some embodiments, the memory 502 may optionally include a memory remotely arranged relative to the processor 501, and these remote memories may be connected to the electronic device via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0323] The electronic device may further include: an input device 503 and an output device 504. The processor 501, the memory 502, the input device 503 and the output device 504 may be connected via a bus or other means. Fig.24 The example of connecting through bus is taken in the following.

[0324] The input device 503 can receive input digital or character information, and generate key signal input related to user settings and function control of the electronic device, such as a touch screen, a keypad, a mouse, a track pad, a touch pad, an indicator bar, one or more mouse buttons, a trackball, a joystick and other input devices. The output device 504 may include a display device, an auxiliary lighting device (e.g., an LED) and a tactile feedback device (e.g., a vibration motor), etc. The display device may include, but is not limited to, a liquid crystal display (LCD), a light emitting diode (LED) display and a plasma display. In some embodiments, the display device may be a touch screen.

[0325] Various implementations of the systems and techniques described herein can be realized in digital electronic circuit systems, integrated circuit systems, dedicated ASICs (application specific integrated circuits), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0326] These computer programs (also referred to as programs, software, software applications, or code) include machine instructions for programmable processors and can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. As used herein, the terms "machine-readable medium" and "computer-readable medium" refer to any computer program product, device, and / or means (e.g., disk, optical disk, memory, programmable logic device (PLD)) for providing machine instructions and / or data to a programmable processor, including a machine-readable medium that receives machine instructions as a machine-readable signal. The term "machine-readable signal" refers to any signal for providing machine instructions and / or data to a programmable processor.

[0327] To provide interaction with a user, the systems and techniques described herein can be implemented on a computer having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and pointing device (e.g., a mouse or trackball) through which the user can provide input to the computer. Other types of devices can also be used to provide interaction with the user; for example, the feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including acoustic input, voice input, or tactile input).

[0328] The systems and techniques described herein may be implemented in a computing system that includes back-end components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes front-end components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such back-end components, middleware components, or front-end components. The components of the system may be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), and the Internet.

[0329] A computer system may include clients and servers. Clients and servers are generally remote from each other and usually interact through a communication network. The relationship of client and server is generated by computer programs running on respective computers and having a client-server relationship to each other.

[0330] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps recorded in this application can be executed in parallel, sequentially or in different orders, as long as the expected results of the technical solution of this application can be achieved, and this document is not limited here.

[0331] The above specific implementations do not constitute a limitation on the protection scope of this application. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of this application should be included in the protection scope of this application.

Claims

1. A payment method based on a terminal device, characterized in that: The method comprises: receiving an inquiry request sent by the first terminal device, wherein the inquiry request is used to inquire about pending payment information, and the pending payment information includes a pending payment amount; Obtain payment information of the second terminal device; The pending payment information is generated according to the payment information, the interaction information and the location information, wherein the interaction information is used to indicate the chat content between the collector and the payer, the chat content is used to reflect the total number of people who agree to the payment and collection requirements, and the chat content includes: time information, address information, and the number of people involved in the payment and collection; the location information is used to indicate the location information corresponding to the second terminal device and the first terminal device respectively; Controlling the second terminal device to output the pending payment information; The method further comprises: Receiving purchase demand information sent by the first terminal device, wherein the purchase demand information includes a purchase demand for at least one commodity; generating commodity payment information according to the payment information corresponding to the at least one commodity; Controlling the second terminal device to output the commodity payment information; If there are multiple purchase demand information, receiving a second settlement guidance instruction sent by the second terminal device or the first terminal device, wherein the second settlement guidance instruction is used to indicate a total settlement of the multiple purchase demand information; Generate the pending payment information according to the commodity payment information corresponding to each purchase demand information; Control the second terminal device to output the pending payment information.

2. The method according to claim 1, characterized in that After obtaining the payment information of the second terminal device, the method further includes: Controlling the second terminal device to output the payment information; And, generating the pending payment information based on the payment information, interaction information and location information includes: if a first confirmation message sent by the second terminal device is received, generating the pending payment information based on the payment information, the interaction information and the location information, wherein the first confirmation message is used to represent the payee's confirmation of the payment information.

3. The method according to claim 1, characterized in that After receiving the query request sent by the first terminal device, the method further includes: controlling the second terminal device to output the query request; And, obtaining the payment information of the second terminal device includes: if a first settlement guidance instruction of the second terminal device is received, obtaining the payment information of the second terminal device, wherein the first settlement guidance instruction is used to represent that the payee inputs the payment information through the second terminal device.

4. The method according to any one of claims 1 to 3, characterized in that The generating the to-be-paid information according to the payment information, the interaction information and the location information comprises: Determine the estimated total number of people participating in payment and collection based on the interaction information; Determine the actual total number of people participating in the payment and collection based on the estimated total number of people and the location information; The pending payment information is generated according to the payment information and the actual total number of people.

5. The method according to any one of claims 1 to 3, characterized in that The generating the to-be-paid information according to the payment information, the interaction information and the location information comprises: If the location information corresponding to the second terminal device and the location information corresponding to the first terminal device are two location information in different currencies, the payment information is converted into the payment information of the location information of the first terminal device according to the payment information; Generate the pending payment information according to the interactive information and the converted payment information; or, The pending payment information is generated according to the interaction information, the payment information and the converted payment information.

6. The method according to any one of claims 1 to 3, characterized in that After controlling the second terminal device to output the pending payment information, the method further includes: Control the first terminal device to output the pending payment information.

7. The method according to claim 6, characterized in that The controlling the first terminal device to output the information to be paid includes: if a second confirmation message sent by the second terminal device is received, controlling the first terminal device to output the information to be paid, wherein the second confirmation message is used to represent the payee's confirmation of the payment information.

8. The method according to claim 7, characterized in that The method further comprises: Control the first terminal device to output a payment interface corresponding to the pending payment information.

9. A payment and collection device based on a terminal device, characterized in that: The device comprises: A receiving module, configured to receive an inquiry request sent by the first terminal device, wherein the inquiry request is used to inquire about pending payment information, and the pending payment information includes a pending payment amount; An acquisition module, used to acquire payment information of a second terminal device; A first generating module is used to generate the pending payment information according to the payment information, the interaction information and the location information, wherein the interaction information is used to represent the chat content between the collector and the payer, the chat content is used to reflect the total number of people who agree to the payment and collection requirements, and the chat content includes: time information, address information, and the number of people involved in the payment and collection; the location information is used to represent the location information corresponding to the second terminal device and the first terminal device respectively; A first control module, used for controlling the second terminal device to output the pending payment information; The receiving module is used to receive the purchase demand information sent by the first terminal device, wherein the purchase demand information includes the purchase demand of at least one commodity; A second generating module, configured to generate commodity payment information according to the payment information corresponding to the at least one commodity; A second control module, used for controlling the second terminal device to output the commodity payment information; The receiving module is further used for, if there are multiple pieces of purchase demand information, receiving a second settlement guidance instruction sent by the second terminal device or the first terminal device, wherein the second settlement guidance instruction is used to indicate a total settlement of the multiple pieces of purchase demand information; The second generating module is used to generate the pending payment information according to the commodity payment information corresponding to each purchase demand information; The second control module is used to control the second terminal device to output the pending payment information.

10. The device according to claim 9, characterized in that The first control module is further used to control the second terminal device to output the payment information; The first generation module is used to generate the pending payment information according to the payment information, the interaction information and the location information if a first confirmation message sent by the second terminal device is received, wherein the first confirmation message is used to represent the payee's confirmation of the payment information.

11. The device according to claim 9, characterized in that The first control module is used to control the second terminal device to output the query request; The acquisition module is used to acquire payment information of the second terminal device if a first settlement guidance instruction of the second terminal device is received, wherein the first settlement guidance instruction is used to indicate that the payee inputs the payment information through the second terminal device.

12. The device according to any one of claims 9 to 11, characterized in that The first generating module is used to determine the estimated total number of people participating in payment and collection based on the interaction information, determine the actual total number of people participating in payment and collection based on the estimated total number of people and the location information, and generate the pending payment information based on the payment information and the actual total number of people.

13. The device according to any one of claims 9 to 11, characterized in that The first generating module is used for converting the location information corresponding to the second terminal device and the location information corresponding to the first terminal device into payment information of the location information of the first terminal device according to the payment information if the location information corresponding to the second terminal device and the location information corresponding to the first terminal device are two location information using different currencies; Generate the pending payment information according to the interaction information and the converted payment information; Alternatively, the pending payment information is generated according to the interaction information, the payment information and the converted payment information.

14. The device according to any one of claims 9 to 11, characterized in that The device also includes: The third control module is used to control the first terminal device to output the pending payment information.

15. The device according to claim 14, characterized in that The third control module is used to control the first terminal device to output the pending payment information if a second confirmation message sent by the second terminal device is received, wherein the second confirmation message is used to indicate the payee's confirmation of the payment information.

16. The device according to claim 14, characterized in that The third control module is used to control the first terminal device to output a payment interface corresponding to the pending payment information.

17. A computer storage medium, characterized in that: The computer storage medium stores computer instructions, and when the computer instructions are executed by a processor, the method according to any one of claims 1 to 8 is executed.

18. A computer program product, characterized in that When the computer program product is run on a processor, the method according to any one of claims 1 to 8 is executed.

19. An electronic device, characterized in that: include: at least one processor; as well as a memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor so that the method according to any one of claims 1 to 8 is performed.

20. A chip, characterized in that: include: An input interface, used to obtain an inquiry request sent by the first terminal device; A logic circuit, used to execute the method according to any one of claims 1 to 8 to obtain information to be paid; The output interface is used to send the pending payment information to the second terminal device.

21. A payment collection system, characterized in that: The system comprises: A first terminal device is used to send an inquiry request to the payment collection device, wherein the inquiry request is used to inquire about the pending payment information, and the pending payment information includes the pending payment amount; The payment collection device is used to perform the method described in any one of claims 1 to 8; The second terminal device is used to output the payment information.

Images