Order payment method and device, equipment and storage medium

Abstract

The embodiment of the invention provides an order payment method and device, equipment and a storage medium. The method comprises the steps of determining a payment mode corresponding to a target order in response to a received settlement request of the target order; in response to the fact that the payment mode corresponding to the target order is determined to be a split payment mode, order splitting information corresponding to the split payment mode is determined, and the order splitting information indicates the number of users participating in payment corresponding to the target order and / or the payment amount corresponding to each user participating in payment; based on the order splitting information, splitting the target order into a plurality of sub-orders corresponding to a plurality of users participating in payment; and based on the payment results corresponding to the plurality of sub-orders, determining payment states corresponding to the plurality of sub-orders and a payment result corresponding to the target order. Therefore, based on the order corresponding to the real commodity or service, and through automatic split payment and interactive management, the high efficiency and safety of order payment are ensured.

Description

Technical Field

[0001] Example embodiments of the present disclosure generally relate to the field of information technology, and in particular, to a method, apparatus, device, and computer-readable storage medium for order payment. Background Art

[0002] In some payment scenarios, many users are in urgent need of a mode of splitting payment orders to meet different application scenarios. For example, in e-commerce and social network payment scenarios, more and more users hope to share the cost of multiple people's common consumption through a convenient average allocation payment (AA payment), such as online shopping or group purchase orders.

[0003] In the related technology, the AA payment method is usually provided by payment companies. This method usually relies on social networks, and the transfer operation is initiated by the payee, and the fund collection relies on direct transfers between personal accounts. However, this payment method can only be operated within the same social network, which limits the flexibility of AA payment, and since there is no clear transaction background, this type of fund transfer is prone to fraud and money laundering risks.

[0004] Therefore, there is an urgent need for an order payment solution that can realize order split payment while ensuring payment security and improving payment flexibility. Summary of the invention

[0005] In a first aspect of the present disclosure, a method for order payment implemented at a terminal device of a first user is provided. The method includes: in response to receiving a settlement request for a target order, determining a payment method corresponding to the target order; in response to determining that the payment method corresponding to the target order is a split payment method, determining order splitting information corresponding to the split payment method, the order splitting information indicating the number of users participating in the payment corresponding to the target order and / or the payment amount corresponding to each user participating in the payment; based on the order splitting information, splitting the target order into multiple sub-orders corresponding to multiple users participating in the payment; and based on the payment results corresponding to each of the multiple sub-orders, determining the payment status corresponding to each of the multiple sub-orders and the payment result corresponding to the target order.

[0006] In a second aspect of the present disclosure, a method for order payment implemented at a terminal device of a second user is provided. The method includes: receiving a payment link from a terminal device of a first user, the payment link being associated with a target order corresponding to the first user, and being used to indicate the execution of a payment operation for a second sub-order, the second sub-order being generated based on the number of users participating in the payment corresponding to the target order and / or the payment amount corresponding to each user participating in the payment; in response to determining that the payment link is triggered, performing an identity authentication operation to determine whether the second user has payment authority for the second sub-order; in response to determining that the second user has payment authority for the second sub-order, presenting the second sub-order and the payment information corresponding to the second sub-order to indicate the execution of a payment operation for the second sub-order; and in response to determining that the payment operation for the second sub-order is completed, updating the payment status of the second sub-order and feeding back the payment result corresponding to the second sub-order to the terminal device of the first user.

[0007] In a third aspect of the present disclosure, there is provided an apparatus for order payment implemented at a terminal device of a first user. The apparatus comprises: a payment method determination module, configured to determine the payment method corresponding to the target order in response to receiving a settlement request of the target order; an order splitting information determination module, configured to determine the order splitting information corresponding to the splitting payment method in response to determining that the payment method corresponding to the target order is a splitting payment method, the order splitting information indicating the number of users participating in the payment corresponding to the target order and / or the payment amount corresponding to each user participating in the payment; an order splitting module, configured to split the target order into multiple sub-orders corresponding to multiple users participating in the payment based on the order splitting information; and a payment result determination module, configured to determine the payment status corresponding to each of the multiple sub-orders and the payment result corresponding to the target order based on the payment results corresponding to each of the multiple sub-orders.

[0008] In the fourth aspect of the present disclosure, there is provided a device for order payment implemented at a terminal device of a second user. The device comprises: a receiving module configured to receive a payment link from a terminal device of a first user, the payment link being associated with a target order corresponding to the first user, and being used to indicate the execution of a payment operation for a second sub-order, the second sub-order being generated based on the number of users participating in the payment corresponding to the target order and / or the payment amount corresponding to each user participating in the payment; a verification module configured to, in response to determining that the payment link is triggered, perform an identity authentication operation to determine whether the second user has payment authority for the second sub-order; a payment module configured to, in response to determining that the second user has payment authority for the second sub-order, present the second sub-order and the payment information corresponding to the second sub-order to indicate the execution of a payment operation for the second sub-order; and a feedback module configured to, in response to determining that the payment operation for the second sub-order is completed, update the payment status of the second sub-order and feedback the payment result corresponding to the second sub-order to the terminal device of the first user.

[0009] In a fifth aspect of the present disclosure, an electronic device is provided. The electronic device includes at least one processing unit; and at least one memory, the at least one memory is coupled to the at least one processing unit and stores instructions for execution by the at least one processing unit, and when the instructions are executed by the at least one processing unit, the electronic device executes the method of the first aspect of the present disclosure.

[0010] In a sixth aspect of the present disclosure, an electronic device is provided. The electronic device includes at least one processing unit; and at least one memory, the at least one memory is coupled to the at least one processing unit and stores instructions for execution by the at least one processing unit, and when the instructions are executed by the at least one processing unit, the electronic device executes the method of the second aspect of the present disclosure.

[0011] In a seventh aspect of the present disclosure, a computer-readable storage medium is provided, wherein a computer program is stored on the computer-readable storage medium, and the computer program can be executed by a processor to perform the method according to the first aspect of the present disclosure.

[0012] In an eighth aspect of the present disclosure, a computer-readable storage medium is provided, wherein a computer program is stored on the computer-readable storage medium, and the computer program can be executed by a processor to perform the method according to the second aspect of the present disclosure.

[0013] In a ninth aspect of the present disclosure, a computer program product is provided, which is tangibly stored in a computer storage medium and includes computer executable instructions, which when executed by a device cause the device to perform the method according to the first aspect of the present disclosure.

[0014] In a tenth aspect of the present disclosure, a computer program product is provided, which is tangibly stored in a computer storage medium and includes computer executable instructions, which when executed by a device cause the device to perform the method according to the second aspect of the present disclosure.

[0015] It should be understood that the contents described in the summary of the invention are not intended to limit the key features or important features of the embodiments of the present disclosure, nor are they intended to limit the scope of the present disclosure. Other features of the present disclosure will become easily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] In the following, in conjunction with the accompanying drawings and with reference to the following detailed description, the above and other features, advantages and aspects of various implementations of the present disclosure will become more apparent. In the accompanying drawings, the same or similar reference numerals represent the same or similar elements, wherein:

[0017] Figure 1 A schematic diagram showing an example environment in which embodiments of the present disclosure can be implemented;

[0018] Figure 2 A flowchart showing an order payment process implemented at a terminal device of a first user according to some embodiments of the present disclosure is shown;

[0019] Figure 3A A schematic diagram showing an order settlement interface of a long settlement page type according to some embodiments of the present disclosure is shown;

[0020] Figure 3B A schematic diagram showing an order settlement interface of a short settlement page type according to some embodiments of the present disclosure;

[0021] Figure 3C A schematic diagram of an interface for determining order splitting information according to some embodiments of the present disclosure is shown;

[0022] Figure 3D A schematic diagram showing a common payment interface according to some embodiments of the present disclosure is shown;

[0023] Figure 3E A schematic diagram of an order payment interface according to some embodiments of the present disclosure is shown;

[0024] Figure 3F A schematic diagram of a split result interface according to some embodiments of the present disclosure is shown;

[0025] Figure 3G A schematic diagram of a sending payment link interface according to some embodiments of the present disclosure is shown;

[0026] Figure 3HA schematic diagram showing a process of sub-order time limit processing according to some embodiments of the present disclosure;

[0027] Fig. 3I A schematic diagram of an order amount supplementation interface according to some embodiments of the present disclosure is shown;

[0028] Figure 4 A flowchart showing a process of order payment implemented at a terminal device of a second user according to some embodiments of the present disclosure;

[0029] Figure 5A A schematic diagram of an interface for receiving a payment link according to some embodiments of the present disclosure is shown;

[0030] Figure 5B A schematic diagram showing a sub-order display interface according to some embodiments of the present disclosure is shown;

[0031] Figure 5C A schematic diagram showing a process of identity verification according to some embodiments of the present disclosure;

[0032] Figure 5D A schematic diagram of a login verification interface according to some embodiments of the present disclosure is shown;

[0033] Figure 5E A schematic diagram showing a payment authority verification interface according to some embodiments of the present disclosure is shown;

[0034] Fig. 5F A schematic diagram of an order payment interface according to some embodiments of the present disclosure is shown;

[0035] Figure 5G A schematic diagram showing a payment result interface according to some embodiments of the present disclosure is shown;

[0036] Fig. 6A A schematic diagram showing a process of splitting an order implemented at a terminal device of an initiator according to some embodiments of the present disclosure;

[0037] Figure 6B A schematic diagram showing a payment process implemented at a terminal device of an initiator according to some embodiments of the present disclosure;

[0038] Figure 6C A schematic diagram showing a process of participating in payment implemented at a participant's terminal device according to some embodiments of the present disclosure;

[0039] Figure 7 A block diagram of an apparatus for order payment implemented at a terminal device of a first user according to some embodiments of the present disclosure is shown;

[0040] Figure 8A block diagram showing an apparatus for order payment implemented on a terminal device of a second user according to some embodiments of the present disclosure; and

[0041] Fig. 9 A block diagram of an electronic device is shown in which one or more embodiments of the present disclosure may be implemented. DETAILED DESCRIPTION

[0042] It is understandable that before using the technical solutions disclosed in the embodiments of the present disclosure, the types, scope of use, usage scenarios, etc. of the personal information involved in the present disclosure should be informed to the user and the user's authorization should be obtained in an appropriate manner in accordance with relevant laws and regulations.

[0043] For example, in response to receiving an active request from a user, a prompt message is sent to the user to clearly prompt the user that the operation requested to be performed will require obtaining and using the user's personal information. Thus, the user can autonomously choose whether to provide personal information to software or hardware such as an electronic device, application, server, or storage medium that performs the operation of the technical solution of the present disclosure according to the prompt message.

[0044] As an optional but non-limiting implementation, in response to receiving an active request from the user, the prompt information may be sent to the user in the form of a pop-up window, in which the prompt information may be presented in text form. In addition, the pop-up window may also carry a selection control for the user to choose "agree" or "disagree" to provide personal information to the electronic device.

[0045] It is understandable that the above notification and the process of obtaining user authorization are merely illustrative and do not constitute a limitation on the implementation of the present disclosure. Other methods that meet the relevant laws and regulations may also be applied to the implementation of the present disclosure.

[0046] It is understandable that the data involved in this technical solution (including but not limited to the data itself, the acquisition or use of the data) shall comply with the requirements of relevant laws, regulations and relevant provisions.

[0047] Embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although certain embodiments of the present disclosure are shown in the accompanying drawings, it should be understood that the present disclosure can be implemented in various forms and should not be construed as being limited to the embodiments set forth herein. On the contrary, these embodiments are provided to provide a more thorough and complete understanding of the present disclosure. It should be understood that the drawings and embodiments of the present disclosure are only for exemplary purposes and are not intended to limit the scope of protection of the present disclosure.

[0048] In the description of the embodiments of the present disclosure, the term "including" and similar terms should be understood as open inclusion, that is, "including but not limited to". The term "based on" should be understood as "based at least in part on". The term "one embodiment" or "the embodiment" should be understood as "at least one embodiment". The term "some embodiments" should be understood as "at least some embodiments". Other explicit and implicit definitions may also be included below.

[0049] As briefly mentioned above, in e-commerce and social network payment scenarios, more and more users hope to share the cost of multiple people's common consumption through convenient AA payment methods, such as dining, traveling or group buying. The AA payment method not only simplifies the flow of funds between multiple users, but also provides convenience in consumption sharing and bill management.

[0050] In the related technology, there are mainly two AA payment methods: the AA payment method of the payment company and the AA purchase method of the e-commerce platform.

[0051] The steps of the AA payment method of the payment company may include: first, the initiator initiates a group payment request, and then shares a transfer link to all participants through their common social network account. After receiving the transfer link, the participants click the link to enter the payment page and complete the payment operation according to the page prompts. This method has the following characteristics:

[0052] Relying on social networks: The payment behavior is initiated through social platforms. Usually, the payee creates a payment link or QR code, and other participants complete the payment through the link or QR code. This means that the success of the payment depends on the user's social relationship and the social platform used.

[0053] Limited by personal wallet capabilities and number of users: Since the collection of funds is carried out through personal accounts on social platforms, it is limited by the balance of the user's personal wallet, transaction amount and the number of participants in the social network.

[0054] No transaction background: These forms of payment are usually not linked to specific goods or service transactions, and are essentially fund transfer operations conducted through social networks. Such operations without specific transaction backgrounds are prone to abuse and pose risks of fraud and anti-money laundering.

[0055] The AA purchase method of the e-commerce platform in the related art may exemplarily include the following steps: the initiator initiates a group purchase activity on the e-commerce platform and shares the link with potential participants. The participants select the goods or services they want to buy through the link. Then the initiator advances the order and generates a split bill. Finally, the split bill is paid through the group payment function of the social platform. This method has the following characteristics:

[0056] Must rely on social platform applications: for example, rely on sharing links and then make payments through the group payment function of the social platform.

[0057] The initiator pays first: In this mode, the initiator needs to pay the entire order amount first. Then, the system distributes the bill to the participants in the form of AA sharing, which is not strictly order AA.

[0058] Therefore, there is an urgent need for a payment solution that combines the order background and can realize order split payment while ensuring payment security, improve payment flexibility, and reduce the financial risks borne by the initiator.

[0059] In an embodiment of the present disclosure, a solution for order payment is provided, which is implemented at a terminal device of a first user. According to an embodiment of the present disclosure, in response to receiving a settlement request for a target order, a payment method corresponding to the target order is determined; in response to determining that the payment method corresponding to the target order is a split payment method, order splitting information corresponding to the split payment method is determined, and the order splitting information indicates the number of users participating in the payment corresponding to the target order and / or the payment amount corresponding to each user participating in the payment; based on the order splitting information, the target order is split into multiple sub-orders corresponding to multiple users participating in the payment; and based on the payment results corresponding to each of the multiple sub-orders, the payment status corresponding to each of the multiple sub-orders and the payment result corresponding to the target order are determined.

[0060] By binding the payment method to the real order background of goods or services, it is ensured that the payment funds flow corresponds to the specific transaction. Moreover, by generating sub-orders of the payment amount of each participant according to the order splitting rules, the participants can directly pay their own part, realizing real-time split payment. And by synchronously feeding back the payment results to the initiator to update the payment status of the sub-order in real time, the initiator can understand the payment progress of each participant in real time, ensuring the transparency and control of the entire order payment process.

[0061] Figure 1 A schematic diagram of an example environment 100 in which embodiments of the present disclosure can be implemented is shown. It is worth noting that the present disclosure is not limited to the modules / systems / devices involved in the example environment 100. If the modules / systems / devices in the figure are added or replaced to achieve similar purposes, they should be considered to be included in the scope of the present disclosure.

[0062] In some embodiments, Figure 1 As shown, the example environment 100 generally includes a terminal device of a first user (also referred to as a first terminal device) 110 and a terminal device of a second user (also referred to as a second terminal device) 120 .

[0063] In some embodiments, the first terminal device 110 may determine the payment method corresponding to the target order in response to receiving the settlement request of the target order, and after determining that the payment method corresponding to the target order is a split payment method, split the target order into multiple sub-orders corresponding to multiple users.

[0064] In some embodiments, the second terminal device 120 may be in communication connection with the first terminal device 110. The second terminal device 120 may receive a payment link from the first terminal device 110, and instruct to perform a payment operation of the corresponding sub-order based on an indication of the payment link.

[0065] In the environment 100, the first terminal device 110 and the second terminal device 120 may be any type of device with computing capabilities, including terminal devices or server devices. The terminal device may be any type of mobile terminal, fixed terminal or portable terminal, including mobile phones, desktop computers, laptop computers, notebook computers, netbook computers, tablet computers, media computers, multimedia tablets, personal communication systems (PCS) devices, personal navigation devices, personal digital assistants (PDAs), audio / video players, digital cameras / camcorders, positioning devices, television receivers, radio broadcast receivers, e-book devices, gaming devices or any combination of the foregoing, including accessories and peripherals of these devices or any combination thereof. The server device may include, for example, a computing system / server, such as a mainframe, an edge computing node, a computing device in a cloud environment, and the like.

[0066] It should be understood that the structure and functionality of environment 100 are described for exemplary purposes only and does not imply any limitation on the scope of the present disclosure.

[0067] Figure 2 A flow chart of an order payment process 200 implemented at a terminal device of a first user according to some embodiments of the present disclosure is shown. The process 200 may be implemented in the environment 100, for example, the process 200 may be implemented at a first terminal device 110. In some embodiments, the first terminal device 110 may be a terminal device corresponding to the first user, i.e., the order initiator.

[0068] In block 210 , in response to receiving a settlement request for a target order, the first terminal device 110 determines a payment method corresponding to the target order.

[0069] In some embodiments, when the first user creates and submits an order, the first terminal device 110 receives a settlement request for the target order. At this time, the payment method needs to be determined based on the order information. If the first terminal device 110 determines that the payment method corresponding to the target order is a split payment method, the split payment process can be automatically entered. This step allows the terminal device to flexibly handle different payment methods, ensuring that the appropriate payment process can be selected according to the needs of the user, especially in the scenario of multiple people consuming together, it can automatically enter the split payment mode to improve the convenience of payment operations.

[0070] In some embodiments, the payment method corresponding to the target order may include multiple options, such as full payment, AA payment (split payment), installment payment, etc.

[0071] As an example, Figure 3A A schematic diagram of an order settlement interface 300A of a long settlement page type according to some embodiments of the present disclosure is shown.

[0072] like Figure 3A As shown, the first terminal device 110 can present an order settlement interface 300A in response to receiving a settlement request for a target order, and receive information such as the quantity and delivery address of the object such as the commodity or service corresponding to the target order selected by the first user through the order settlement page 300A. Then, the first terminal device 110 can determine the payment method corresponding to the target order through the payment method selection control 311. In response to the triggering of the submit order control 312, the first terminal device 110 determines the payment method corresponding to the target order and performs an operation of submitting the target order to perform subsequent steps.

[0073] In some embodiments, in addition to Figure 3A As shown in the order settlement page 300A of the long settlement page type, the first terminal device 110 can also implement the above-mentioned step of determining the payment method corresponding to the target order through the order settlement page of the short settlement page type.

[0074] The short settlement page and the long settlement page mainly refer to the interfaces of different page designs or functional complexity that users see when entering the order settlement link. Among them, the short settlement page can usually be presented in the details interface of the product or service without jumping, and only contains the most basic settlement information, such as product introduction, price, address information, and payment method selection. In addition to basic settlement information, the long settlement page may also include multiple modules such as product details, multiple delivery address selections, invoice information filling, order notes, discount information, etc. The first terminal device 110 can automatically determine the type of order settlement page presented based on the target order and the corresponding target object information.

[0075] Figure 3BA schematic diagram of an order settlement interface 300B of a short settlement page type according to some embodiments of the present disclosure is shown.

[0076] like Figure 3B As shown, the first terminal device 110 can present an order settlement interface 300B of a short settlement page type in response to receiving a settlement request for a target order, and receive information such as the quantity and delivery address of objects such as goods or services corresponding to the target order selected by the first user through the order settlement page 300B. Then, the first terminal device 110 can determine the payment method corresponding to the target order through the payment method selection control 321. In response to the triggering of the submit order control 322, the first terminal device 110 determines the payment method corresponding to the target order and executes the order submission to perform subsequent steps.

[0077] Continue to refer Figure 2 In box 220, in response to determining that the payment method corresponding to the target order is a split payment method, the first terminal device 110 determines the order splitting information corresponding to the split payment method.

[0078] In some embodiments, after the first terminal device 110 determines that the payment method corresponding to the target order is a split payment method, it can continue to obtain split order information related to the order.

[0079] In some embodiments, the order splitting information indicates the number of users participating in the payment corresponding to the target order and / or the payment amount corresponding to each user participating in the payment. Such information may be manually input by the initiator (such as specifying the number of participants and the payment share of each person), or may be automatically calculated and determined by the first terminal device 110 based on the corresponding goods or services of each user in the order.

[0080] In some embodiments, the first terminal device 110 receives the number of users participating in payment corresponding to the target order selected by the first user and / or the payment amount corresponding to each user participating in payment.

[0081] As an example, Figure 3C A schematic diagram of an order splitting information determination interface 300C according to some embodiments of the present disclosure is shown.

[0082] like Figure 3C As shown, the first terminal device 110 can present a split order information interface 300C in response to receiving a confirmation that the payment method of the target order is a split payment method, and receive the number of users participating in the payment and the payment amount corresponding to each user participating in the payment corresponding to the target order filled in or selected by the first user through the split order information determination component 331.

[0083] In some embodiments, the order splitting information determination component 331 may also only include an option for the total number of participants, and the payment amount corresponding to each paying user may be automatically calculated by the first terminal device 110 based on the information of the target order after determining the number of participating users.

[0084] After receiving the order splitting information filled in or selected by the first user, the first terminal device 110 can respond to the triggering of the submit control 332, use the received information as the order splitting information corresponding to the target order and continue to execute subsequent steps.

[0085] In some embodiments, if the first terminal device 110 determines that there is a difference between the sum of the payment amounts corresponding to each user and the target payment amount corresponding to the target order, the difference and the sum of the payment amounts corresponding to each user are used as the payment amount corresponding to the first user.

[0086] In real payment scenarios, the payment amount of an order often cannot be evenly divided. For example, the price of a product in an order is 100 yuan, and the number of users participating in the split payment is 3, resulting in an inability to divide it completely equally. By automatically allocating the difference to the initiator, complex payment allocation and adjustment rules are avoided, simplifying the payment process. Moreover, for the initiator user, the operation of making up the difference is seamless, which improves the convenience and smoothness of the payment operation.

[0087] As another example, in response to determining that the payment method corresponding to the target order is a common payment method, the first terminal device 110 may present a payment interface corresponding to the common payment method. Figure 3D A schematic diagram of a common payment interface 300D according to some embodiments of the present disclosure is shown.

[0088] like Figure 3D As shown, the first terminal device 110 can present the total payment amount corresponding to the target order and the supported payment methods (such as different bank cards and financial structures, etc.) in the general payment interface 300D. The first user can select a suitable payment method through the payment method component 341, and then perform the payment operation for the entire target order through the payment confirmation component 342.

[0089] In some embodiments, the payment method component 341 may also include an AA payment (split payment) method. The first user may trigger the payment method component 341 and select the AA payment method to modify the payment method corresponding to the target order to a split payment method. At this time, the first terminal device 110 will present the following Figure 3C The order splitting information determination interface 300C shown in FIG. 300 is used to determine the corresponding order splitting information.

[0090] Return to reference Figure 2In box 230, the first terminal device 110 splits the target order into multiple sub-orders corresponding to multiple users participating in the payment based on the order splitting information.

[0091] In some embodiments, the first terminal device 110 splits the target order based on the number of users participating in payment corresponding to the target order indicated by the order splitting information and the payment amount corresponding to each user to generate a sub-order corresponding to each user participating in the payment.

[0092] In some embodiments, according to the determined order splitting information, the first terminal device 110 splits the target order into multiple sub-orders, each of which corresponds to a user participating in the payment. Each sub-order not only includes the amount to be paid by the user, but also may include the product or service information corresponding to the user. The split sub-orders can be used as independent payment units for the participating users to split the payment.

[0093] By splitting the target order into sub-orders, real-time split payment is achieved, ensuring that each user only needs to pay his or her portion. This not only improves the user experience, but also reduces the financial pressure of the initiator having to advance the full amount. At the same time, after splitting the target order into independent sub-orders, the first terminal device 110 can track the payment status of each sub-order more efficiently, facilitating subsequent management.

[0094] As an example, the first terminal device 110 may respond to Figure 3C The triggering of the submit control 332 in the command output module 330 executes the subsequent order splitting steps. Exemplarily, the subsequent order splitting execution steps may include:

[0095] Call the payment software development kit (SDK): This step connects the application front-end and the payment server through the payment SDK. The SDK is responsible for processing payment-related requests, such as order splitting requests, payment requests, etc. It is the key to the entire process and ensures that the payment process goes smoothly.

[0096] Calling the order splitting preprocessing interface: The order needs to be preprocessed before it is split. The order splitting preprocessing interface based on the payment server can be used to check the validity of the order, verify the participant information, etc., to ensure that the order splitting can proceed smoothly. If the preprocessing fails (for example, the order is invalid or the participant information is incomplete), the first terminal device 110 can give a corresponding error prompt and stop the process.

[0097] Call the order splitting interface: Split the target order into multiple sub-orders based on the determined order splitting information (such as the number of participants, the amount payable by each person, etc.) or other order splitting rules set by the user. Each sub-order corresponds to a participant, and generates payment information for each participant.

[0098] In some embodiments, the first terminal device 110 presents a payment page for the first sub-order corresponding to the first user in response to the order splitting information corresponding to the determined split payment method.

[0099] In some embodiments, after confirming that the target order has selected the split payment method, the first terminal device 110 will use the split order information (including the number of users participating in the payment and the amount to be paid by each user) to generate a sub-order. In addition, the first terminal device 110 may first present the payment page of the sub-order corresponding to the initiator (the first user). The page contains the amount that the initiator needs to pay and the payment method options for the initiator to perform the payment operation.

[0100] As an example, Figure 3E A schematic diagram of an order payment interface 300E according to some embodiments of the present disclosure is shown.

[0101] like Figure 3E As shown, the first terminal device 110 can present an order payment interface 300E, and present the payment amount of the first sub-order corresponding to the first user and the supported payment methods (such as different bank cards and financial institutions, etc.). The first user can select a suitable payment method and perform a payment operation for the first sub-order through the confirmation payment component 351.

[0102] In some embodiments, the first terminal device 110 receives the payment result of the first sub-order. The first terminal device 110 can receive the result of the first user completing the payment in real time, and determine whether the payment status of the first user is successful. If the payment is successful, the next process is entered; if it fails, the first terminal device 110 can give a corresponding prompt or request a retry. For example, the first terminal device 110 can present an order list interface, and present a continue payment component on the order list interface to instruct the user to continue to complete the order payment operation.

[0103] In some embodiments, in response to determining that the payment result corresponding to the first sub-order indicates that the first sub-order is in a state of successful payment, the first terminal device 110 presents a split result corresponding to the target order. The split result indicates multiple sub-orders corresponding to multiple users participating in the payment and the payment status of each sub-order.

[0104] In some embodiments, after determining that the first sub-order has been paid successfully, the first terminal device 110 may generate and display the split result of the target order. The split result lists multiple sub-orders corresponding to all users participating in the payment, as well as the payment status of each sub-order (such as paid, unpaid, pending payment, etc.), so as to help the first user understand the payment progress of the entire order in real time.

[0105] Return to reference Figure 2In box 240, the first terminal device 110 determines the payment status corresponding to each of the multiple sub-orders and the payment result corresponding to the target order based on the payment results corresponding to each of the multiple sub-orders.

[0106] In some embodiments, after each user participating in the payment completes the payment of the corresponding sub-order, the first terminal device 110 will receive the payment result of the sub-order. The first terminal device 110 can update the payment progress of each sub-order according to the payment status of the sub-order (such as success or failure). If the payment of all sub-orders is successful, the payment status of the target order will also be updated to "payment completed". If some sub-orders are not paid successfully, the first terminal device 110 can perform corresponding processing according to the set rules (such as reminding the initiator to make up the amount or cancel the unpaid sub-orders, etc.).

[0107] In the disclosed embodiment, by ensuring that the first terminal device 110 is able to track the payment status of each participating user in real time and link the payment result with the target order, it not only helps the initiator to understand the payment status of the order at any time, but also can respond to non-payment or payment failure situations in a timely manner, thereby improving the security and accuracy of payment.

[0108] In some embodiments, the first terminal device 110 may generate a corresponding payment link based on the sub-order corresponding to each user participating in the payment. The payment link is used to instruct the user participating in the payment to complete the payment operation for the corresponding sub-order.

[0109] In some embodiments, the first terminal device 110 generates each sub-order according to the order splitting result and creates a payment link associated therewith. The first terminal device 110 can send the corresponding payment link to the terminal device of the user participating in the payment to guide them to complete the payment operation of the corresponding sub-order. After the user clicks the link, they can directly enter the payment page to complete the payment.

[0110] As an example, Figure 3F A schematic diagram of a split result interface 300F according to some embodiments of the present disclosure is shown.

[0111] like Figure 3F As shown, the first terminal device 110 can present a split result interface 300F after determining that the first sub-order payment is successful. The interface 300F may include a link sharing component 361. The first terminal device 110 can trigger a sending operation through the link sharing component 361 to send the payment link corresponding to each sub-order to the terminal device of the corresponding participating user.

[0112] Figure 3G A schematic diagram of a send payment link interface 300G according to some embodiments of the present disclosure is shown.

[0113] like Figure 3G As shown, the first terminal device 110 can send the payment link to the terminal device of the participating user through, for example, a private message or group chat function of a social software or other instant messaging application or through other communication means.

[0114] In some embodiments, the first terminal device 110 can build a multi-dimensional relationship network by classifying and associating the activities of users in different consumption scenarios. Users in various consumption scenarios are associated through their consumption behaviors in the corresponding scenarios, thereby forming a complex consumption relationship network structure. For example, it includes scenes such as gatherings, offices, studies, and games. This network helps to provide support for subsequent scenarios such as sharing payment links by analyzing consumers' behavioral characteristics, preferences, and social relationships.

[0115] In the disclosed embodiment, by generating a corresponding payment link for each sub-order, the payment amount and status of each participant can be accurately located, simplifying the complex process of multi-person payment. Each user's payment behavior is independently executed through the link, ensuring the efficiency, security and flexibility of the payment process.

[0116] In some embodiments, the first terminal device 110 may receive payment results returned by multiple users participating in the payment, wherein the payment results indicate the payment status of each sub-order.

[0117] In some embodiments, in response to determining that the payment results corresponding to multiple sub-orders indicate that the payment statuses corresponding to the multiple sub-orders are all successful payment states, the first terminal device 110 can determine that the payment result corresponding to the target order is successful payment.

[0118] In some embodiments, the first terminal device 110 receives the payment results returned by each participating payment user after completing the payment. These payment results will indicate the payment status of each sub-order (such as payment success, payment failure, or unpaid). When the first terminal device 110 confirms that the sub-orders of all participating payment users have been paid successfully, the payment status of the target order can be marked as "payment success", that is, the payment process of the order is completed.

[0119] As an example, return reference Figure 3F The interface 300F may include a payment result component 362. The first terminal device 110 may present the payment status corresponding to each sub-order in real time through the payment result component 362.

[0120] In the disclosed embodiment, by receiving and presenting the payment status of each sub-order in real time, the payment progress of the entire order can be accurately tracked. This not only improves the transparency of payment, but also allows the initiator to understand the payment status of the participants at any time, avoiding payment uncertainty caused by delayed or non-payment by participants.

[0121] Continue to refer Figure 3F The remaining payment time of the order can also be displayed in interface 300F to remind the user of the payment progress and remaining time of the order, which can help the user better arrange time and avoid forgetting or delaying payment.

[0122] In some embodiments, the first terminal device 110 may also set different remaining payment times and perform corresponding processing according to the categories of target objects corresponding to each of the multiple sub-orders.

[0123] Figure 3H A schematic diagram of a process 300H for handling sub-order time limits according to some embodiments of the present disclosure is shown.

[0124] In block 381 , the first terminal device 110 determines the category of the target object corresponding to each of the plurality of sub-orders;

[0125] In box 382, ​​the first terminal device 110 determines the payment time limit of each of the multiple sub-orders based on the category of the target object corresponding to each of the multiple sub-orders.

[0126] In some embodiments, the first terminal device 110 may set different payment time limits according to the categories of goods or services in each sub-order. For example, for some goods or services that require quick settlement (such as fresh goods), a shorter payment time limit may be set, while for ordinary goods, a longer payment time limit may be set.

[0127] In box 383, the first terminal device 110 cancels the first sub-order in response to determining that the payment deadline of the first sub-order among the multiple sub-orders has expired and the payment status corresponding to the first sub-order is an unsuccessful payment status.

[0128] In the disclosed embodiment, by setting the payment time limit according to the category of the target object, it is possible to ensure that the payment time matches the actual demand for goods and services, and optimize the payment process. In addition, by setting the payment time limit and automatically canceling the sub-order when the payment is not made within the time limit, it is possible to prevent the order from being unpaid for a long time, reduce the risk of the initiator waiting for payment, avoid affecting the progress of the entire order due to payment problems, and improve the flexibility of the payment process and the efficiency of order processing.

[0129] Return to reference Figure 3FIn some embodiments, the first terminal device 110 may present an order amount supplement component 363 on the interface 300F. The order amount supplement component 363 is used to pay the order amount corresponding to the sub-order that has not been successfully paid.

[0130] In some embodiments, during the payment process, if some sub-orders are not paid on time, the first terminal device 110 may present an order amount supplement component 363, allowing the initiator to choose whether to supplement the unpaid portion. The initiator can complete the additional payment of the unpaid order through this component.

[0131] As an example, Fig. 3I A schematic diagram of an order amount completion interface 300I according to some embodiments of the present disclosure is shown. In response to determining that the order amount completion component 363 is triggered, the first terminal device 110 can present the order amount completion interface 300I. In the order amount completion interface 300I, the first terminal device 110 determines whether the first user wants to trigger a completion payment operation for an unpaid sub-order through component 391. In response to determining that a completion payment operation for an unpaid sub-order is triggered, the first terminal device 110 can present a corresponding payment interface to perform a corresponding sub-order payment operation.

[0132] In some embodiments, the first terminal device 110 determines that the payment result corresponding to the target order is a successful payment in response to receiving, via the order amount completion component, that the order amount corresponding to the sub-order that has not been successfully paid has been paid.

[0133] In the disclosed embodiment, by providing an order amount completion component, the initiator can be given more payment options, so that he or she has the opportunity to continue to complete the payment of the entire order when the payment is not completed. This method reduces the risk of affecting the completion of the entire target order due to the failure of participating users to pay in time, and at the same time improves the flexibility and controllability of order completion.

[0134] Figure 4 A flowchart of a process 400 of order payment implemented at a second user's terminal device according to some embodiments of the present disclosure is shown. The process 400 may be implemented in the environment 100, for example, the process 400 may be implemented at the second terminal device 120. In some embodiments, the second terminal device 120 may be a terminal device corresponding to the second user (i.e., the order participant) that receives the payment link sent by the first user (i.e., the order initiator).

[0135] In block 410 , the second terminal device 120 receives a payment link from the first user's terminal device.

[0136] In some embodiments, the payment link received by the second terminal device 120 from the terminal device of the first user (the first terminal device 110) is associated with the target order corresponding to the first user, and is used to instruct to perform a payment operation for the second sub-order. The second sub-order is generated based on the number of users participating in the payment corresponding to the target order and / or the payment amount corresponding to each user participating in the payment.

[0137] As an example, Figure 5A A schematic diagram of a payment link receiving interface 500A according to some embodiments of the present disclosure is shown. In the payment link receiving interface 500A, the second user can click on the received payment link to view the corresponding sub-order. In response to the payment link being triggered, the second terminal device 120 can present the corresponding sub-order display interface.

[0138] Figure 5B A schematic diagram of a sub-order display interface 500B according to some embodiments of the present disclosure is shown. In the sub-order display interface 500B, the second terminal device 120 can present order details information, payment amount, initiator (i.e., first user) information, etc. of the second sub-order corresponding to the second user. In response to determining that the participation component 521 is triggered, the second terminal device 120 can first perform an identity authentication operation on the second user and present a corresponding identity authentication interface.

[0139] Return to reference Figure 4 In block 420 , in response to determining that the payment link is triggered, the second terminal device 120 performs an identity authentication operation to determine whether the second user has payment authority for the second sub-order.

[0140] In some embodiments, when the second user (participant) clicks on the received payment link, the second terminal device 120 will first perform an identity authentication operation to ensure that the second user is eligible to pay for the second sub-order associated with the link. Identity authentication may, for example, include verifying the user's login status and other relevant permissions to ensure that the user has the authority to pay for the sub-order.

[0141] Figure 5C A schematic diagram of a process 500C for identity verification according to some embodiments of the present disclosure is shown.

[0142] In block 531 , the second terminal device 120 determines a login status of a second user.

[0143] In block 532 , if the second terminal device 120 determines that the second user is not logged in, prompt information is presented to instruct the user to perform a login operation.

[0144] In some embodiments, after determining that the second user triggers the payment link, the second terminal device 120 checks the login status of the user to determine whether the user has logged in to the corresponding account. If the user is not logged in, the user is prompted to perform a login operation.

[0145] As an example, Figure 5D A schematic diagram of a login verification interface 500D according to some embodiments of the present disclosure is shown. In the login verification interface 500D, the second user needs to log in to the user account associated with the received payment link to authenticate the identity. In response to determining that the login control 541 in the login verification interface 500D is triggered, the second terminal device 120 determines whether the user account logged in by the second user has payment authority for the second sub-order. If the identity authentication is successful, the second terminal device 120 will allow the second user to continue to participate in the payment activity for the second sub-order. If the identity authentication fails (such as identity mismatch), the second terminal device 120 can display an error page to prompt the second user to re-authenticate or return to the login page.

[0146] In box 533, if the second terminal device 120 determines that the second user is logged in, it determines whether the login account corresponding to the second user has payment authority for the second sub-order.

[0147] In some embodiments, after the second terminal device 120 confirms that the user has logged in, it will further verify whether the user has the authority to pay the current sub-order (i.e., whether the user is a legal participant in the order). In this way, it is ensured that only users with relevant permissions can perform payment operations, preventing unauthorized users from making payments, and increasing system security and account protection.

[0148] In box 534, if the second terminal device 120 determines that the number of users who have participated in the payment of the sub-order corresponding to the target order is equal to the pre-set number of users, or determines that the login account corresponding to the second user is a user who has participated in the payment of the sub-order corresponding to the target order, it is determined that the login account corresponding to the second user does not have payment authority for the second sub-order.

[0149] As an example, Figure 5E A schematic diagram of a payment authority verification interface 500E according to some embodiments of the present disclosure is shown. In the payment authority verification interface 500E, the second terminal device 120 determines whether the current user has payment authority by comparing the number of users who have paid and the preset number of participants. If the user has already participated in the payment or exceeds the preset number of participants, the system prohibits the user from making payments again, and prompts through component 551 that the number of users participating in the payment is full or the current paying user account is an account that has completed the payment of the sub-order.

[0150] In box 535, if the second terminal device 120 determines that the login account corresponding to the second user has not completed the payment of the second sub-order, and the number of users of the sub-order corresponding to the target order is less than a pre-set number of users, it determines that the login account corresponding to the second user has payment authority for the second sub-order.

[0151] In some embodiments, if the currently logged-in user account has not yet completed the payment for the second sub-order, and the number of users who have participated in the order payment has not reached the predetermined number of participants, the second terminal device 120 grants the second user payment authority, allowing it to complete the payment of the corresponding second sub-order.

[0152] Return to reference Figure 4 In box 430, in response to determining that the second user has payment authority for the second sub-order, the second terminal device 120 presents the second sub-order and the payment information corresponding to the second sub-order to indicate the execution of the payment operation for the second sub-order.

[0153] In some embodiments, the above-mentioned process of accepting the payment link and performing identity authentication can be completed and executed in the instant messaging application included in the second terminal device 120. When the second terminal device 120 determines that the second user has the corresponding payment authority and needs to perform the corresponding payment operation, it can guide the user to jump to the corresponding application that carries the real transaction background (such as an online shopping application or a group purchase application, etc.) to complete the payment operation. This method can effectively overcome the limitations of social platforms in payment and provide users with a more reliable, flexible and secure payment process.

[0154] As an example, Fig. 5F A schematic diagram of an order payment interface 500F according to some embodiments of the present disclosure is shown. As shown in 5F, the second terminal device 120 can present the order payment interface 500F, and present the payment amount of the second sub-order corresponding to the second user and the supported payment methods (such as different bank cards and financial structures, etc.). The second user can select a suitable payment method and perform the payment operation for the second sub-order through the confirmation payment component 561.

[0155] In box 440, in response to determining that the payment operation for the second sub-order is completed, the second terminal device 120 updates the payment status of the second sub-order and feeds back the payment result corresponding to the second sub-order to the terminal device of the first user.

[0156] Figure 5GA schematic diagram of a payment result interface 500G according to some embodiments of the present disclosure is shown. As shown in 5G, the second terminal device 120 can present the payment result interface 500G, and present detailed payment information of the second sub-order (e.g., including payment amount, payment status, product or service details, etc.) and payment status of other sub-orders corresponding to the target order to the presentation in the payment result interface 500G.

[0157] In the disclosed embodiment, after the participant completes the payment, the second terminal device 120 will update the payment status of the sub-order and feed back the payment result to the initiator's terminal device. The initiator can understand the payment progress of each participant in real time. This mechanism improves the transparency and real-time nature of payment. The initiator and the participants who have completed the payment can track the payment status of each sub-order in a timely manner to ensure the smooth progress of the entire payment process.

[0158] The disclosed embodiment will now describe the method for order payment mentioned above with reference to an example. The initiator and the participant are the first user and the second user who initiate and participate in the split payment method.

[0159] As an example, Fig. 6A A schematic diagram of a process 600A of splitting an order implemented at a terminal device of an initiator according to some embodiments of the present disclosure is shown.

[0160] like Fig. 6A As shown in the figure, after the initiator user places an order, on the settlement page, he can choose to initiate AA payment (split payment) to trigger the subsequent split payment process. Then, the system connects the application front end and the payment server through the payment SDK. The SDK is responsible for processing payment-related requests, such as split order requests, payment requests, etc. It is the key to the entire process to ensure the smooth progress of the payment process. The order needs to be preprocessed before splitting. When the preprocessing is successful, the system will formally perform the split order operation. The order is split into sub-orders according to the preset rules, and the payment information of each participant is generated. After the order is successfully split, the system will generate a Uniform Resource Locator (Uniform Resource Locator) for payment and jump to the cashier page, where the user can complete the payment. If it is determined that the preprocessing or split order is abnormal, it will jump to the order list page or the specified link page.

[0161] As an example, Figure 6B A schematic diagram of a payment process 600B implemented at a terminal device of an initiator according to some embodiments of the present disclosure is shown.

[0162] like Figure 6BAs shown, the initiator clicks the "Go to Pay" button on the settlement page / aggregation page and other pages. The system will guide the user to a dedicated payment page (usually an HTML5 payment page), which is optimized for mobile terminals so that the initiator can complete the payment more conveniently. On the payment page, the initiator can view the detailed information of the order. The initiator can click "Confirm Payment" to continue the payment. After the payment is successful, the order splitting result page with the details of each sub-order is displayed, and after the initiator clicks the share button, the payment link is sent to the participant user. If after the order is split, a participant does not pay the payable amount, or the number of participants and the amount set by the initiator are not enough to pay the total price of the order. At this time, the initiator can see the prompt of the unpaid amount and choose to make up the difference to continue to complete the payment.

[0163] As an example, Figure 6C A schematic diagram of a process 600C of participation payment implemented at a participant's terminal device according to some embodiments of the present disclosure is shown.

[0164] like Figure 6C As shown, participants can receive payment information sent by the initiator in a variety of ways, such as clicking on a link in an instant messaging application or jumping to the participation page from other pages. In order to ensure that the participant is an authorized participant, the system requires the participant to log in to the corresponding user account and obtain the corresponding participation status (i.e., payment authority for the sub-order). After identity verification, the system will jump to the cashier page of the application corresponding to the order (such as an online shopping software) to perform the payment operation. If the corresponding application is not installed, the system can guide it to download and install the corresponding application. If the participant user downloads the page to receive the guidance, he can also call up the payment page (usually an HTML5 payment page) in the instant messaging application to perform the payment operation. If you jump to the application corresponding to the corresponding order, you can perform the payment operation after confirming that it is the user with payment authority.

[0165] Figure 7 A block diagram of an apparatus 700 for order payment implemented at a terminal device of a first user according to some embodiments of the present disclosure is shown. The apparatus 700 may be implemented as or include the first terminal device 110.

[0166] The device 700 includes a payment method determination module 710, which is configured to determine the payment method corresponding to the target order in response to receiving a settlement request for the target order; an order splitting information determination module 720, which is configured to determine the order splitting information corresponding to the split payment method in response to determining that the payment method corresponding to the target order is a split payment method, the order splitting information indicating the number of users participating in the payment corresponding to the target order and / or the payment amount corresponding to each user participating in the payment; an order splitting module 730, which is configured to split the target order into multiple sub-orders corresponding to multiple users participating in the payment based on the order splitting information; and a payment result determination module 740, which is configured to determine the payment status corresponding to each of the multiple sub-orders and the payment result corresponding to the target order based on the payment results corresponding to each of the multiple sub-orders.

[0167] In some embodiments, the order splitting information determination module 720 is further configured to receive the number of users participating in payment corresponding to the target order selected by the first user and / or the payment amount corresponding to each user participating in the payment; and if it is determined that there is a difference between the sum of the payment amount corresponding to each user and the target payment amount corresponding to the target order, the sum of the difference and the payment amount corresponding to each user is used as the payment amount corresponding to the first user.

[0168] In some embodiments, the order splitting module 730 is further configured to split the target order based on the number of users participating in payment corresponding to the target order indicated by the order splitting information and the payment amount corresponding to each user, so as to generate a sub-order corresponding to each user participating in the payment.

[0169] In some embodiments, the order splitting module 730 is further configured to present a payment page for the first sub-order corresponding to the first user in response to the order splitting information corresponding to the determined split payment method; receive the payment result corresponding to the first sub-order; and in response to determining that the payment result corresponding to the first sub-order indicates that the first sub-order is in a successfully paid status, present the splitting result corresponding to the target order, the splitting result indicating multiple sub-orders corresponding to multiple users participating in the payment and the payment status of each sub-order.

[0170] In some embodiments, the device 700 also includes a sending module 750, which is configured to generate a corresponding payment link based on the sub-order corresponding to each user participating in the payment, and the payment link is used to instruct the user participating in the payment to complete the payment operation for the corresponding sub-order and send the payment link to the terminal device of the corresponding user participating in the payment.

[0171] In some embodiments, the payment result determination module 740 is further configured to receive payment results returned by multiple users participating in the payment, the payment results indicating the payment status of each sub-order; and in response to determining that the payment results corresponding to multiple sub-orders indicate that the payment statuses corresponding to the multiple sub-orders are all successful payments, determine that the payment result corresponding to the target order is a successful payment.

[0172] In some embodiments, the device 700 also includes a time limit processing module 760, which is configured to determine the category of the target object corresponding to each of the multiple sub-orders; determine the payment time limit of each of the multiple sub-orders based on the category of the target object corresponding to each of the multiple sub-orders; and cancel the first sub-order in response to determining that the payment time limit of the first sub-order among the multiple sub-orders has expired and the payment status corresponding to the first sub-order is an unsuccessful payment status.

[0173] In some embodiments, the time limit processing module 760 is also configured to present an order amount completion component, which is used to pay the order amount corresponding to the sub-order that has not been successfully paid; in response to receiving a message via the order amount completion component that the order amount corresponding to the sub-order that has not been successfully paid has been paid, it is determined that the payment result corresponding to the target order is a successful payment.

[0174] The modules included in the device 700 can be implemented in various ways, including software, hardware, firmware or any combination thereof. In some embodiments, one or more units can be implemented using software and / or firmware, such as machine executable instructions stored on a storage medium. In addition to or as an alternative to machine executable instructions, some or all of the units in the device 700 can be implemented at least in part by one or more hardware logic components. As an example and not limitation, exemplary types of hardware logic components that can be used include field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), complex programmable logic devices (CPLDs), and the like.

[0175] Figure 8 A block diagram of an apparatus 800 for order payment implemented on a terminal device of a second user according to some embodiments of the present disclosure is shown. The apparatus 800 may be implemented as or include the second terminal device 120.

[0176] The apparatus 800 includes a receiving module 810 configured to receive a payment link from a terminal device of a first user, wherein the payment link is associated with a target order corresponding to the first user and is used to indicate execution of a payment operation for a second sub-order, wherein the second sub-order is generated based on the number of users participating in payment corresponding to the target order and / or the payment amount corresponding to each user participating in the payment; a verification module 820 configured to, in response to determining that the payment link is triggered, perform an identity authentication operation to determine whether the second user has payment authority for the second sub-order; a payment module 830 configured to, in response to determining that the second user has payment authority for the second sub-order, present the second sub-order and the payment information corresponding to the second sub-order to indicate execution of a payment operation for the second sub-order; and a feedback module 840 configured to, in response to determining that the payment operation for the second sub-order is completed, update the payment status of the second sub-order and feed back the payment result corresponding to the second sub-order to the terminal device of the first user.

[0177] In some embodiments, the verification module 820 is further configured to determine the login status of the second user; if it is determined that the second user is not logged in, a prompt message is presented to instruct the login operation to be performed; if it is determined that the second user is logged in, whether the login account corresponding to the second user has payment authority for the second sub-order is determined; if it is determined that the number of users who have participated in the payment of the sub-order corresponding to the target order is equal to a pre-set number of users, or it is determined that the login account corresponding to the second user is a user who has participated in the payment of the sub-order corresponding to the target order, it is determined that the login account corresponding to the second user does not have payment authority for the second sub-order; and if it is determined that the login account corresponding to the second user has not completed the payment of the second sub-order, and the number of users of the sub-order corresponding to the target order is less than the pre-set number of users, it is determined that the login account corresponding to the second user has payment authority for the second sub-order.

[0178] The modules included in the device 800 can be implemented in various ways, including software, hardware, firmware, or any combination thereof. In some embodiments, one or more units can be implemented using software and / or firmware, such as machine executable instructions stored on a storage medium. In addition to or as an alternative to machine executable instructions, some or all of the units in the device 800 can be implemented at least in part by one or more hardware logic components. As an example and not limitation, exemplary types of hardware logic components that can be used include field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), complex programmable logic devices (CPLDs), and the like.

[0179] Fig. 9 900 is a block diagram of an electronic device in which one or more embodiments of the present disclosure may be implemented. It should be understood that Fig. 9 The electronic device 900 shown is merely exemplary and should not constitute any limitation on the functionality and scope of the embodiments described herein.

[0180] like Fig. 9 As shown, the electronic device 900 is in the form of a general electronic device. The components of the electronic device 900 may include, but are not limited to, one or more processors or processing units 910, a memory 920, a storage device 930, one or more communication units 940, one or more input devices 950, and one or more output devices 960. The processing unit 910 may be an actual or virtual processor and is capable of performing various processes according to a program stored in the memory 920. In a multi-processor system, multiple processing units execute computer executable instructions in parallel to improve the parallel processing capability of the electronic device 900.

[0181] The electronic device 900 typically includes a plurality of computer storage media. Such media can be any available media accessible to the electronic device 900, including but not limited to volatile and non-volatile media, removable and non-removable media. The memory 920 can be a volatile memory (e.g., register, cache, random access memory (RAM)), a non-volatile memory (e.g., a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), flash memory) or some combination thereof. The storage device 930 can be a removable or non-removable medium, and can include a machine-readable medium, such as a flash drive, a disk, or any other medium, which can be used to store information and / or data and can be accessed within the electronic device 900.

[0182] The electronic device 900 may further include additional removable / non-removable, volatile / non-volatile storage media. Fig. 9 As shown in , a disk drive for reading or writing from a removable, non-volatile disk (e.g., a "floppy disk") and an optical drive for reading or writing from a removable, non-volatile optical disk may be provided. In these cases, each drive may be connected to the bus (not shown) by one or more data media interfaces. Memory 920 may include a computer program product 925 having one or more program modules that are configured to perform various methods or actions of various embodiments of the present disclosure.

[0183] The communication unit 940 implements communication with other electronic devices through a communication medium. Additionally, the functions of the components of the electronic device 900 can be implemented with a single computing cluster or multiple computing machines that can communicate through a communication connection. Therefore, the electronic device 900 can operate in a networked environment using a logical connection with one or more other servers, a network personal computer (PC), or another network node.

[0184] The input device 950 may be one or more input devices, such as a mouse, a keyboard, a tracking ball, etc. The output device 960 may be one or more output devices, such as a display, a speaker, a printer, etc. The electronic device 900 may also communicate with one or more external devices (not shown) through the communication unit 940 as needed, such as a storage device, a display device, etc., communicate with one or more devices that allow a user to interact with the electronic device 900, or communicate with any device that allows the electronic device 900 to communicate with one or more other electronic devices (e.g., a network card, a modem, etc.). Such communication may be performed via an input / output (I / O) interface (not shown).

[0185] According to an exemplary implementation of the present disclosure, a computer-readable storage medium is provided, on which one or more computer instructions are stored, wherein the one or more computer instructions are executed by a processor to implement the method described above. According to an exemplary implementation of the present disclosure, a computer program product is also provided, which is tangibly stored on a non-transitory computer-readable medium and includes computer-executable instructions, and the computer-executable instructions are executed by a processor to implement the method described above.

[0186] Various aspects of the present disclosure are described herein with reference to the flowcharts and / or block diagrams of the methods, devices (systems) and computer program products implemented according to the present disclosure. It should be understood that each box in the flowchart and / or block diagram and the combination of each box in the flowchart and / or block diagram can be implemented by computer-readable program instructions.

[0187] These computer-readable program instructions can be provided to a processing unit of a general-purpose computer, a special-purpose computer, or other programmable data processing device, thereby producing a machine, so that when these instructions are executed by the processing unit of the computer or other programmable data processing device, a device that implements the functions / actions specified in one or more boxes in the flowchart and / or block diagram is generated. These computer-readable program instructions can also be stored in a computer-readable storage medium, and these instructions cause the computer, programmable data processing device, and / or other equipment to work in a specific manner, so that the computer-readable medium storing the instructions includes a manufactured product, which includes instructions for implementing various aspects of the functions / actions specified in one or more boxes in the flowchart and / or block diagram.

[0188] Computer-readable program instructions may also be loaded onto a computer, other programmable data processing apparatus, or other device so that a series of operating steps are performed on the computer, other programmable data processing apparatus, or other device to produce a computer-implemented process, thereby causing the instructions executed on the computer, other programmable data processing apparatus, or other device to implement the functions / actions specified in one or more boxes in the flowchart and / or block diagram.

[0189] The flow chart and block diagram in the accompanying drawings show the possible architecture, function and operation of the system, method and computer program product according to multiple implementations of the present disclosure. In this regard, each square box in the flow chart or block diagram can represent a part of a module, program segment or instruction, and a part of a module, program segment or instruction includes one or more executable instructions for realizing the logical function of the specification. In some implementations as replacements, the function marked in the square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two continuous square boxes can actually be executed substantially in parallel, and they can sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / or flow chart can be realized by a special hardware-based system that performs the function or action of the specification, or can be realized by a combination of special hardware and computer instructions.

[0190] The above descriptions of various implementations of the present disclosure are exemplary, non-exhaustive, and not limited to the disclosed implementations. Many modifications and variations will be apparent to those of ordinary skill in the art without departing from the scope and spirit of the described implementations. The selection of terms used herein is intended to best explain the principles of the implementations, practical applications, or improvements to the technology in the marketplace, or to enable other persons of ordinary skill in the art to understand the implementations disclosed herein.

Claims

1. A method for order payment, implemented at a terminal device of a first user, comprising: In response to receiving a settlement request for a target order, determining a payment method corresponding to the target order; In response to determining that the payment method corresponding to the target order is a split payment method, determining order splitting information corresponding to the split payment method, the order splitting information indicating the number of users participating in payment corresponding to the target order and / or the payment amount corresponding to each user participating in payment; Based on the order splitting information, split the target order into multiple sub-orders corresponding to multiple users participating in the payment; as well as Based on the payment results corresponding to each of the multiple sub-orders, the payment statuses corresponding to each of the multiple sub-orders and the payment result corresponding to the target order are determined.

2. The method according to claim 1, wherein determining the split order information corresponding to the split payment method comprises: Receive the number of users participating in payment corresponding to the target order selected by the first user and / or the payment amount corresponding to each user participating in payment; as well as If it is determined that there is a difference between the sum of the payment amounts corresponding to each user and the target payment amount corresponding to the target order, the sum of the difference and the payment amount corresponding to each user is used as the payment amount corresponding to the first user.

3. The method according to claim 1, wherein based on the order splitting information, splitting the target order into a plurality of sub-orders corresponding to a plurality of users participating in the payment comprises: The target order is split based on the number of users participating in payment corresponding to the target order indicated by the order splitting information and the payment amount corresponding to each user, so as to generate a sub-order corresponding to each user participating in the payment.

4. The method according to claim 1, further comprising: In response to determining the split order information corresponding to the split payment method, presenting a payment page for the first sub-order corresponding to the first user; Receiving a payment result corresponding to the first sub-order; as well as In response to determining that the payment result corresponding to the first sub-order indicates that the first sub-order is in a payment success status, the split result corresponding to the target order is presented, and the split result indicates multiple sub-orders corresponding to the multiple users participating in the payment and the payment status of each sub-order.

5. The method according to claim 1, further comprising: Based on the sub-order corresponding to each user participating in the payment, a corresponding payment link is generated, and the payment link is used to instruct the user participating in the payment to complete the payment operation for the corresponding sub-order The payment link is sent to the terminal device of the corresponding user participating in the payment.

6. The method according to claim 1, wherein based on the payment results corresponding to the multiple sub-orders, determining the payment status corresponding to the multiple sub-orders and the payment result corresponding to the target order comprises: receiving payment results returned by the multiple users participating in the payment, wherein the payment results indicate the payment status of each sub-order; as well as In response to determining that the payment results corresponding to the multiple sub-orders indicate that the payment statuses corresponding to the multiple sub-orders are all payment successful states, it is determined that the payment result corresponding to the target order is payment successful.

7. The method according to claim 1, further comprising: Determine the categories of target objects corresponding to each of the multiple sub-orders; Determining payment time limits for each of the multiple sub-orders based on categories of target objects corresponding to each of the multiple sub-orders; as well as In response to determining that a payment deadline for a first sub-order among the multiple sub-orders has expired and a payment status corresponding to the first sub-order is an unsuccessful payment status, the first sub-order is canceled.

8. The method according to claim 7, further comprising: Presenting an order amount supplement component, wherein the order amount supplement component is used to pay the order amount corresponding to the sub-order that has not been successfully paid; In response to receiving, via the order amount completing component, that the order amount corresponding to the unsuccessfully paid sub-order has been paid, it is determined that the payment result corresponding to the target order is a successful payment.

9. A method for order payment, implemented at a terminal device of a second user, comprising: Receiving a payment link from a terminal device of the first user, the payment link being associated with a target order corresponding to the first user and being used to instruct execution of a payment operation for a second sub-order, the second sub-order being generated based on the number of users participating in payment corresponding to the target order and / or the payment amount corresponding to each user participating in payment; In response to determining that the payment link is triggered, performing an identity authentication operation to determine whether the second user has payment authority for the second sub-order; In response to determining that the second user has payment authority for the second sub-order, presenting the second sub-order and payment information corresponding to the second sub-order to instruct execution of a payment operation for the second sub-order; as well as In response to determining that the payment operation for the second sub-order is completed, the payment status of the second sub-order is updated and the payment result corresponding to the second sub-order is fed back to the terminal device of the first user.

10. The method of claim 9, wherein performing an identity authentication operation comprises: determining a login status of the second user; If it is determined that the second user is not logged in, presenting a prompt message to instruct to perform a login operation; If it is determined that the second user is logged in, determining whether the login account corresponding to the second user has payment authority for the second sub-order; If it is determined that the number of users who have participated in paying the sub-order corresponding to the target order is equal to the preset number of users, or it is determined that the login account corresponding to the second user is a user who has participated in paying the sub-order corresponding to the target order, it is determined that the login account corresponding to the second user does not have payment authority for the second sub-order; as well as If it is determined that the login account corresponding to the second user has not completed the payment of the second sub-order, and the number of users of the sub-order corresponding to the target order is less than the pre-set number of users, it is determined that the login account corresponding to the second user has payment authority for the second sub-order.

11. A device for order payment, implemented at a terminal device of a first user, comprising: a payment method determination module, configured to determine a payment method corresponding to the target order in response to receiving a settlement request for the target order; an order splitting information determining module, configured to, in response to determining that the payment method corresponding to the target order is a split payment method, determine order splitting information corresponding to the split payment method, wherein the order splitting information indicates the number of users participating in payment corresponding to the target order and / or the payment amount corresponding to each user participating in payment; an order splitting module, configured to split the target order into a plurality of sub-orders corresponding to a plurality of users participating in payment based on the order splitting information; as well as The payment result determination module is configured to determine the payment status corresponding to each of the multiple sub-orders and the payment result corresponding to the target order based on the payment results corresponding to each of the multiple sub-orders.

12. A device for order payment, implemented at a terminal device of a second user, comprising: a receiving module configured to receive a payment link from a terminal device of a first user, the payment link being associated with a target order corresponding to the first user and being used to instruct execution of a payment operation for a second sub-order, the second sub-order being generated based on the number of users participating in payment corresponding to the target order and / or the payment amount corresponding to each user participating in payment; a verification module configured to, in response to determining that the payment link is triggered, perform an identity verification operation to determine whether the second user has payment authority for the second sub-order; a payment module configured to, in response to determining that the second user has payment authority for the second sub-order, present the second sub-order and payment information corresponding to the second sub-order to instruct execution of a payment operation for the second sub-order; as well as The feedback module is configured to update the payment status of the second sub-order and feedback the payment result corresponding to the second sub-order to the terminal device of the first user in response to determining that the payment operation for the second sub-order is completed.

13. An electronic device comprising: at least one processing unit; as well as At least one memory, the at least one memory being coupled to the at least one processing unit and storing instructions for execution by the at least one processing unit, the instructions, when executed by the at least one processing unit, causing the electronic device to perform a method according to any one of claims 1 to 8 or claims 9 to 10.

14. A computer-readable storage medium having a computer program stored thereon, wherein the computer program can be executed by a processor to implement the method according to any one of claims 1 to 8 or claims 9 to 10.

15. A computer program product tangibly stored in a computer storage medium and comprising computer executable instructions which, when executed by a device, cause the device to perform the method of any one of claims 1 to 8 or claims 9 to 10.

Images