Payment method and device, computer equipment and storage medium
By finding and sending the contact information of the payment notice to the student or the payment user, the problem of students failing to receive the payment notice is solved, ensuring the payment is completed smoothly, reducing the payment steps and avoiding the risk of missing the payment date.
Patent Information
- Application Number
- CN202411003432.8
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-07-25
- Publication Date
- 2024-12-27
AI Technical Summary
Students are unable to receive payment notices issued by the school without reserved their mobile phone number, which leads to the inability to make online payments, especially when the latest payment date is approaching.
By obtaining the student's bill information to be paid, if there is no contact information, please find the contact information of the target user's personal or payment user based on the bill information, and send a notification message to the target terminal to ensure that the student or payment user receives the payment notice. , thereby completing the payment.
Send notifications to students before the latest payment date to prevent missed payment time and receive notifications by paying users without reserved contact information to ensure the smooth completion of payment and reduce the payment steps.
Smart Images
Figure CN119205059A_ABST
Abstract
Description
Technical Field
[0001] The present application relates to the field of artificial intelligence technology, and in particular to a payment method, device, computer equipment and storage medium. Background Art
[0002] With the development of mobile payment, students can no longer pay tuition fees offline in cash, but can pay tuition fees online by logging into online banking or mobile banking. Online tuition payment usually sets a deadline. If the student has not paid the tuition fees by the deadline, online payment will not be possible.
[0003] For students who have not paid their fees, the school can send payment notifications to the mobile phone number linked to the student’s bank card.
[0004] However, since student bank cards are processed in batches by the school for students, no mobile phone number is reserved by default, so students may not receive payment notifications, making it impossible to pay online. Summary of the invention
[0005] Based on this, it is necessary to provide a payment method, device, computer equipment and storage medium that can remind users to pay without reserving a mobile phone number to address the above technical problems.
[0006] In a first aspect, the present application provides a payment method. The method comprises:
[0007] Obtain the target user's pending bill information;
[0008] If the bill information to be paid does not contain the contact information of the target user, obtaining the target contact information of the target user according to the bill information to be paid;
[0009] According to the target contact information, a notification message carrying the bill information to be paid is sent to the target terminal of the target user.
[0010] In one embodiment, if the bill information to be paid does not contain the contact information of the target user, obtaining the target contact information of the target user according to the bill information to be paid includes:
[0011] Obtain the target user's personal contact information based on the bill information to be paid;
[0012] If the personal contact information is bound to the payment agent user information, determine the associated contact information of the payment agent user information;
[0013] Determine target contact information based on personal contact information and associated contact information.
[0014] In one embodiment, the method further comprises:
[0015] Receiving payment information of a target user sent by a target terminal;
[0016] According to the payment information, complete the bills to be paid in the bill information.
[0017] In one embodiment, the above-mentioned sending a notification message carrying the bill information to be paid to the target terminal of the target user according to the target contact information includes:
[0018] Generate a payment webpage link based on the bill information to be paid;
[0019] According to the target contact information, a notification message carrying a payment webpage link and the bill information to be paid is sent to the target terminal.
[0020] In a second aspect, the present application provides a payment method. Applied to a target terminal, the method includes:
[0021] Get notification messages with information about bills to be paid;
[0022] According to the notification message, obtain the identity information of the input target user;
[0023] When the authentication information of the identity information indicates that the authentication is successful, obtaining the payment information of the input target user;
[0024] The payment information is sent to the financial platform to complete the bills to be paid in the bill information to be paid.
[0025] In one embodiment, the method further comprises:
[0026] When the authentication information of the identity information indicates that the authentication is successful, jump from the identity authentication page to the payment page;
[0027] The payment information entered on the payment page is sent to the financial platform to complete the bills to be paid in the bill information.
[0028] In one embodiment, when the authentication information of the identity information indicates that the authentication is successful, before jumping from the identity authentication page to the payment page, the method further includes:
[0029] In response to the page jump instruction input in the notification message, jump to the identity authentication page;
[0030] Correspondingly, when the authentication information of the identity information indicates that the authentication is successful, the page jumps from the identity authentication page to the payment page, including:
[0031] Transmit the target user's identity information entered on the identity authentication page to the server;
[0032] Receive authentication information of identity information fed back by the server;
[0033] When the authentication information indicates that the authentication is successful, jump from the identity authentication page to the payment page.
[0034] In a third aspect, the present application also provides a payment device. The device includes:
[0035] The bill information acquisition module is used to obtain the target user's pending bill information;
[0036] A contact information acquisition module, used to acquire the target contact information of the target user according to the bill information to be paid if the bill information to be paid does not contain the contact information of the target user;
[0037] The notification message sending module is used to send a notification message carrying the bill information to be paid to the target terminal of the target user according to the target contact information.
[0038] In a fourth aspect, the present application also provides a payment device. The device includes:
[0039] A notification message acquisition module is used to acquire notification messages carrying information about bills to be paid;
[0040] An identity information acquisition module is used to acquire the identity information of the input target user according to the notification message;
[0041] A payment information acquisition module, used to acquire the payment information of the input target user when the authentication information of the identity information indicates that the authentication is successful;
[0042] The payment module is used to send the payment information to the financial platform to complete the bills to be paid in the bill information to be paid.
[0043] In a fifth aspect, the present application further provides a computer device, which includes a memory and a processor, wherein the memory stores a computer program, and the processor implements the methods of the first and second aspects when executing the computer program.
[0044] In a sixth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, wherein when the computer program is executed by a processor, the method of the first aspect and the second aspect described above is implemented.
[0045] In a fifth aspect, the present application further provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the method of the first aspect and the second aspect are implemented.
[0046] The above-mentioned payment method, device, computer equipment and storage medium first obtain the target user's to-be-paid bill information. When the to-be-paid bill information does not contain the target user's contact information, the target contact information of the target user is obtained based on the to-be-paid bill information. Finally, based on the target contact information, a notification message carrying the to-be-paid bill information is sent to the target terminal of the target user. The embodiment of the present application can send a notification message to the target user when the latest payment date is approaching, which can prevent the target user from missing the online payment due to exceeding the latest payment date. In addition, when the target user has not reserved contact information, the target contact information is searched based on the target user's identification information and sent to the target user himself or the user who pays on his behalf, thereby ensuring that the target user can always receive the notification message. BRIEF DESCRIPTION OF THE DRAWINGS
[0047] Figure 1 An application environment diagram of a payment method in an embodiment;
[0048] Figure 2 A schematic diagram of a payment method in one embodiment;
[0049] Figure 3 A schematic diagram of a process for determining target contact information in one embodiment;
[0050] Figure 4 A schematic diagram of a process for completing a bill to be paid in one embodiment;
[0051] Figure 5 A schematic diagram of a process of sending a notification message to a target terminal in an embodiment;
[0052] Figure 6 A schematic diagram of a payment method in another embodiment;
[0053] Figure 7 A schematic diagram of a payment method in one embodiment;
[0054] Figure 8 A schematic diagram of a process for completing a bill to be paid in another embodiment;
[0055] Fig. 9 A schematic diagram of a process flow of successful identity authentication in an embodiment;
[0056] Fig.10 A schematic diagram of a payment method in another embodiment;
[0057] Fig.11 is a structural block diagram of a payment device in an embodiment;
[0058] Fig.12 is a structural block diagram of a payment device in another embodiment;
[0059] Fig.13 FIG. 4 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION
[0060] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.
[0061] First of all, before specifically introducing the technical solution of the embodiments of the present application, the technical background based on the embodiments of the present application is introduced.
[0062] In the relevant technology, mobile banking provides the function of online tuition payment, which requires customers to actively log in to online banking or mobile banking to make payment; since the tuition fee is set with a latest payment date, if it is overdue, the tuition fee payment service cannot be processed online, and payment must be made through the student's own card. The school opens cards for students in batches, and no mobile phone number is reserved by default, so it is easy to miss the payment if it cannot be received.
[0063] Based on this, the present application provides a payment method, payment method, device, computer equipment and storage medium, which relate to the field of artificial intelligence technology and aim to solve the above-mentioned technical problems.
[0064] The payment method provided in the embodiment of the present application can be applied to Figure 1 In the application environment shown in the figure, the financial platform 102 communicates with the operator platform 104 through the network, and the target terminal 106 communicates with the financial platform 102 and the operator platform 104 through the network respectively. The target terminal 106 can be, but is not limited to, various personal computers, laptops, smart phones, tablet computers, Internet of Things devices and portable wearable devices, and the financial platform 102 and the operator platform 104 can be implemented by independent servers or server clusters composed of multiple servers.
[0065] In one embodiment, Figure 2 As shown, a payment method is provided, which is applied to Figure 1 Taking the financial platform 102 in FIG. 1 as an example, the method includes the following steps:
[0066] S201, obtaining the target user's to-be-paid bill information.
[0067] The information of the bill to be paid includes at least one of the amount of the bill to be paid and the contact information of the target user.
[0068] In this step, when the current date is close to the latest payment date, the financial platform can input the target user's identity information, such as name, ID number, student number, etc., into the campus payment inquiry platform. The campus payment inquiry platform searches for the target user's pending bill information based on the target user's identification information input by the financial platform. If the search is successful, the target user's pending bill information is returned to the financial platform. The financial platform establishes communication with the campus payment inquiry platform to obtain the target user's pending bill information.
[0069] Optionally, when the current date is close to the latest payment date, the campus payment inquiry platform will trigger a reminder instruction, which is used to instruct the campus payment inquiry platform to automatically send the pending payment bill information of the target user who has not paid the bill to the financial platform. The embodiment of the present application does not specifically limit the method for obtaining the pending payment bill information of the target user.
[0070] S202: If the bill information to be paid does not contain the contact information of the target user, obtain the target contact information of the target user according to the bill information to be paid.
[0071] The contact information includes the mobile phone number, email address, WeChat number, etc., which are left by the target user in advance. The present embodiment of the application does not specifically limit the contact information, as long as the target user can be contacted through the contact information. The target contact information includes the target user's personal contact information and the associated contact information of the payment user information.
[0072] Based on the bill information to be paid obtained in the previous step, the financial platform searches for the contact information of the target user in the bill information to be paid. If the contact information of the target user does not exist, communication is established with the campus payment inquiry platform to obtain the identification information of the target user. Optionally, when the campus payment inquiry platform sends the bill information to be paid of the target user to the financial platform, it also sends the identification information of the target user to the financial platform.
[0073] The financial platform obtains the identification information of the target user and sends the identification information of the target user to the operator platform. The operator platform searches for the target contact information of the target user based on the obtained identification information of the target user. If the search is successful, the operator platform sends the target contact information of the target user to the financial platform. The financial platform obtains the target contact information of the target user found by the operator platform.
[0074] Optionally, considering that the target user may have handled relevant financial business on the financial platform, when obtaining the target contact information, the target user's identification information can be preferentially input into the user information query module in the financial platform to obtain the target contact information of the target user.
[0075] S203: Send a notification message carrying the bill information to be paid to the target terminal of the target user according to the target contact information.
[0076] Among them, the notification message can be presented via SMS, MMS, etc.
[0077] In this step, based on the target contact information obtained in the previous step, the financial platform generates a notification message according to the pre-acquired bill information to be paid, and sends it to the target terminal of the target user through the network.
[0078] The above payment method first obtains the target user's to-be-paid bill information. If the to-be-paid bill information does not contain the target user's contact information, the target contact information of the target user is obtained based on the to-be-paid bill information. Finally, based on the target contact information, a notification message carrying the to-be-paid bill information is sent to the target terminal of the target user. The embodiment of the present application can send a notification message to the target user when the latest payment date is approaching, which can prevent the target user from missing the online payment due to exceeding the latest payment date. In addition, if the target user has not reserved contact information, the target contact information is searched based on the target user's identification information and sent to the target user himself or the user who pays on his behalf, thereby ensuring that the target user can always receive the notification message.
[0079] In another embodiment, based on Figure 2 For the described embodiments, see Figure 3 The embodiment of the present application relates to a process of obtaining the target contact information of the target user according to the bill information to be paid if the bill information to be paid does not contain the contact information of the target user, including the following steps:
[0080] S301, obtaining the personal contact information of the target user according to the bill information to be paid.
[0081] Among them, personal contact information includes but is not limited to the mobile phone number, email address, and WeChat number left in advance by the target user.
[0082] In this step, based on the bill information to be paid obtained in the previous embodiment, the financial platform searches the bill information to be paid for the target user's personal contact information. If the target user's personal contact information does not exist, the financial platform communicates with the campus payment inquiry platform through the network to obtain the target user's identification information.
[0083] The financial platform obtains the identification information of the target user and sends the identification information of the target user to the operator platform. The operator platform searches for the personal contact information of the target user based on the obtained identification information block of the target user. If the search is successful, the personal contact information of the target user is sent to the financial platform. Finally, the financial platform obtains the target contact information of the target user found by the operator platform.
[0084] Optionally, considering that the target user may have handled relevant financial business on the financial platform, when obtaining the target contact information, the target user's identification information can be preferentially input into the user information query module in the financial platform to obtain the target user's personal contact information.
[0085] S302: When the personal contact information is bound to the payment-on-agent user information, determine the associated contact information of the payment-on-agent user information.
[0086] The payment agent user may refer to a family member or other associated person pre-bound by the target user. The payment agent user information includes at least one of the payment agent user and the associated contact information of the payment agent user. The associated contact information refers to the mobile phone number, email address, WeChat number, etc. left by the payment agent user in advance.
[0087] In this step, while querying the personal contact information of the target user, the financial platform will also query whether the target user has bound payment-on-behalf user information. If the target user has bound payment-on-behalf user information, the payment-on-behalf user information is obtained, and the payment-on-behalf user information is checked to see if there is associated contact information. If so, the associated contact information is directly obtained. If the target user does not have bound payment-on-behalf user information, the platform communicates with the campus payment inquiry platform through the network to obtain the identification information of the payment-on-behalf user. For example, if the target user A has bound payment-on-behalf user B, the financial platform will also search for the associated contact information of payment-on-behalf user B, and return the found associated contact information and the personal contact information of the target user A to the financial platform at the same time.
[0088] Optionally, considering that the payment-on-behalf user may have handled related financial business on the financial platform, when obtaining related contact information, the payment-on-behalf user's identification information may be preferentially input into a user profile query module in the financial platform, thereby obtaining the payment-on-behalf user's related contact information.
[0089] S303: Determine target contact information according to the personal contact information and the associated contact information.
[0090] In this step, the personal contact information and associated contact information obtained in the first two steps are determined as the target contact information. If the target user does not have a bound payment agent user, the personal contact information of the target user is determined as the target contact information.
[0091] In an embodiment of the present application, the financial platform first obtains personal contact information based on the bill to be paid, and if there is a payment agent bound to the personal contact information, it also obtains the associated contact information of the payment agent user. In this way, if the target user does not receive the notification message, the payment agent user can be notified to pay the fee on the target user's behalf, thereby preventing the target user from missing the online payment.
[0092] In another embodiment, based on the above embodiment, see Figure 4 , the method of the embodiment of the present application further includes the following steps:
[0093] S401, receiving payment information of a target user sent by a target terminal.
[0094] Among them, payment information refers to the payment method selected by the target user, which can be a selected bank card, WeChat payment, online banking payment, etc.
[0095] In this step, the target user or the user paying on behalf of the target user enters the payment information based on the received notification message. For example, if the received notification message is a text message, the payment information can be directly filled in the reply column. If there is a payment web link on the notification message, the target user can also click on the payment web link to enter the payment information. After the target user completes the input, the target terminal obtains the payment information entered by the target user or the user paying on behalf of the target user, and sends it to the financial platform through the network. Finally, the financial platform obtains the payment information sent by the target terminal.
[0096] S402, completing the bills to be paid in the bill information to be paid according to the payment information.
[0097] In this step, based on the payment information obtained in the previous step, if the payment information is the bank card selected by the target user or the user on behalf of the payment agent. The financial platform sends the bank card selected by the target user and the bill to be paid to the server. The server deducts the balance of the bank card selected by the target user according to the amount to be paid in the bill to be paid. Optionally, if the payment information is WeChat payment entered by the target user or the user on behalf of the payment agent, the financial platform sends the bill to be paid to WeChat. WeChat will deduct the balance of WeChat according to the amount to be paid in the bill to be paid. A successful deduction means that the bill to be paid in the bill information is completed.
[0098] In an embodiment of the present application, the financial platform can also obtain the payment information entered by the target user and directly process the payment of the target user's pending bills. The target user can complete the payment without logging into the payment platform, thereby reducing the payment steps.
[0099] In another embodiment, based on Figure 2 For the described embodiments, see Figure 5 The embodiment of the present application relates to the process of sending a notification message carrying bill information to be paid to a target terminal of a target user according to the target contact information, including the following steps:
[0100] S501, generating a payment webpage link according to the bill information to be paid.
[0101] In this step, the financial platform integrates the acquired bill information to be paid into the payment page and generates a payment webpage link corresponding to the payment page, wherein the payment page includes the amount of the bill to be paid, the details of the bill to be paid, etc.
[0102] S502, sending a notification message carrying a payment webpage link and information of the bill to be paid to the target terminal according to the target contact information.
[0103] In this step, the notification message includes the payment webpage link and the bill information to be paid. For example, the notification message is: "The amount to be paid is 6,000 yuan, and the payment webpage link is xx". The financial platform sends the generated notification message to the target terminal corresponding to the target contact information. For example, if the target contact information is the phone number left in advance by the target user, the financial platform will send the notification message to the target terminal corresponding to the phone number.
[0104] In an embodiment of the present application, the financial platform sends a notification message carrying a payment web link and information about the bill to be paid to the target terminal, so that the target user can complete the payment by directly clicking on the payment web link without logging into the payment platform, thereby reducing the payment steps.
[0105] In another embodiment, based on the above embodiment, see Figure 6 , the method provided in the embodiment of the present application further includes the following steps:
[0106] S601, the financial platform obtains the target user's pending bill information;
[0107] S602, the financial platform obtains the personal contact information of the target user according to the bill information to be paid;
[0108] S603, when the personal contact information has bound payment-on-behalf-of user information, determining the associated contact information of the payment-on-behalf-of user information; and determining the target contact information according to the contact information and the associated information;
[0109] S604, the financial platform generates a payment webpage link according to the bill information to be paid, and sends a notification message carrying the payment webpage link and the bill information to be paid to the target terminal according to the target contact information.
[0110] In an embodiment of the present application, by sending a notification message to the target user, the target user can be prevented from missing the online payment due to exceeding the latest payment date. In the case where the target user has not reserved a mobile phone number, the target contact information is searched according to the identification information of the target user to avoid the target user not reserving contact information during the card opening process, resulting in failure to receive the notification message. In addition, in the case where there is a payment agent bound to the personal contact information, the associated contact information of the payment agent is obtained at the same time, so that when the target user does not receive the notification message, the payment agent can be notified to pay the fee on behalf of the target user, thereby preventing the target user from missing the online payment. A notification message carrying a payment webpage link and the bill information to be paid is also sent to the target terminal, so that the target user can directly click on the payment webpage link to complete the payment without logging into the payment platform, thereby reducing the payment steps.
[0111] In another embodiment, see Figure 7 This application also provides a payment method. Figure 1 The target terminal in is taken as an example to illustrate, including the following steps:
[0112] S701, obtaining a notification message carrying information about the bill to be paid.
[0113] In this step, when the current date is close to the latest payment date, the financial platform will query the target user's pending bill information on the campus payment inquiry platform based on the target user's identification information, such as name, ID number, student number, etc. The financial platform integrates the acquired pending bill information into the payment page and generates a payment web link corresponding to the payment page. Then, the financial platform generates a notification message based on the payment web link and the pending bill information, establishes a communication connection with the target terminal, and sends the notification message to the target terminal through the communication network. After the target terminal successfully establishes communication with the financial platform, it receives the notification message.
[0114] S702: Acquire the input identity information of the target user according to the notification message.
[0115] The identity information includes at least one of the target user's account password, face image, and fingerprint.
[0116] In this step, based on the notification message obtained in the previous step, the target terminal can display the notification message to the target user through SMS, MMS, or pop-up window. After the target user views and clicks the payment web link in the notification message, identity information authentication is required. Among them, the identity information authentication method includes but is not limited to face recognition, account password, and fingerprint unlocking. After the target user enters the identity information into the web page corresponding to the payment web link, the target terminal obtains the input identity information of the target user.
[0117] S703, when the authentication information of the identity information indicates that the authentication is successful, obtaining the payment information of the input target user.
[0118] Based on the identity information of the target user obtained in the previous step, the target terminal sends the identity information to the server. The server verifies the identity information based on the received identity information and generates authentication information. For example, if the identity information is a face image, the server can input the face image into the image recognition model to find the target image that matches the face image. If the search is successful, it means that the authentication is successful, and authentication information indicating that the authentication is successful is generated. The server returns the authentication information indicating that the authentication is successful to the target terminal. Based on the authentication information, the target terminal obtains the payment information entered by the target user on the payment page. Optionally, the target terminal can automatically generate payment information based on the authentication information.
[0119] S704, sending the payment information to the financial platform to complete the bills to be paid in the bill information to be paid.
[0120] In this step, based on the payment information obtained by the target terminal in the previous step, the target terminal establishes a communication connection with the financial platform, and sends the payment information to the financial platform after the connection is successful. The financial platform sends the bank card selected by the target user and the bill to be paid to the server. The server deducts the balance of the bank card selected by the target user according to the amount to be paid in the bill to be paid. Optionally, if the payment information is for the target user or the user who pays on behalf of the user to select other payment methods such as WeChat payment, the financial platform will send the bill to be paid to WeChat. WeChat will deduct the balance of WeChat according to the amount to be paid in the bill to be paid. After the deduction is successful, it means that the bill to be paid in the bill information to be paid has been completed.
[0121] In the embodiment of the present application, the target terminal can prevent the target user from missing the online payment due to exceeding the latest payment date by displaying the notification message to the target user. The target user can directly click the payment web link in the notification message to complete the payment without logging into the payment platform, thus reducing the payment steps.
[0122] In another embodiment, based on the above embodiment, see Figure 8 , the method of the embodiment of the present application further includes the following steps:
[0123] S801, when the authentication information of the identity information indicates that the authentication is successful, jump from the identity authentication page to the payment page.
[0124] In this step, the server verifies the identity information of the target user against the received authentication information. If the authentication is successful, the server returns the authentication information indicating the successful authentication to the target terminal. The target terminal jumps the current identity authentication page to the payment page based on the authentication information and displays it to the target user.
[0125] S802, sending the payment information entered on the payment page to the financial platform to complete the bills to be paid in the bill information to be paid.
[0126] In this step, the target user or the user paying on behalf of the target user enters the payment information based on the page displayed by the target terminal. The server deducts the payment method in the payment information entered by the target user according to the amount to be paid in the bill to be paid. Optionally, if the payment information indicates that the target user or the user paying on behalf of the target user selects WeChat payment as the payment method, the server sends the bill to be paid to WeChat. WeChat will deduct the WeChat balance according to the amount to be paid in the bill to be paid. A successful deduction means that the bill to be paid in the bill information to be paid has been completed.
[0127] In the embodiment of the present application, the target user will undergo identity authentication before entering the payment information, and will be redirected to the payment page only after the identity authentication is successful, thereby improving the security of the payment process.
[0128] In another embodiment, based on Figure 8 In the described embodiment, when the authentication information of the identity information indicates that the authentication is successful, before jumping from the identity authentication page to the payment page, the method of the embodiment of the present application also includes: jumping to the identity authentication page in response to a page jump instruction entered in the notification message.
[0129] In this step, the server verifies the identity information of the target user against the received authentication information. If the authentication is successful, the server returns the authentication information of the identity information indicating that the authentication is successful to the target terminal. The target terminal generates a page jump instruction based on the instruction, and instructs the current identity authentication page to jump to the payment page, and displays it to the target user.
[0130] Correspondingly, see Fig. 9 When the authentication information of the identity information indicates that the authentication is successful, the process of jumping from the identity authentication page to the payment page includes the following steps:
[0131] S901, transmitting the identity information of the target user input on the identity authentication page to the server.
[0132] In this step, after the target user views and clicks the payment web link in the notification message, the target terminal will jump the current page to the identity authentication page. The target user enters identity information based on the current identity authentication page, such as face image, account number and password. After the target user completes the input, the target terminal will send the identity information to the server.
[0133] S902, receiving authentication information of the identity information fed back by the server.
[0134] In this step, the target terminal sends the identity information to the server. The server verifies the identity information based on the received identity information and generates authentication information. For example, if the identity information is a face image, the server can input the face image into the image recognition model to find the target image that matches the face image. If the search is successful, it means that the authentication is successful, and authentication information indicating that the authentication is successful is generated. The server returns the authentication information indicating that the authentication is successful to the target terminal. The target terminal obtains the payment information entered by the target user on the payment page based on the authentication information. Optionally, the target terminal can automatically generate payment information based on the authentication information.
[0135] S903, when the authentication information indicates that the authentication is successful, jump from the identity authentication page to the payment page.
[0136] In this step, when the authentication information obtained above indicates success, the target terminal jumps the current identity authentication page to the payment page according to the authentication information and displays it to the target user.
[0137] In the embodiment of the present application, the target user will undergo identity authentication before entering the payment information, and will be redirected to the payment page only after the identity authentication is successful, thereby improving the security of the payment process.
[0138] In another embodiment, based on the above embodiment, see Fig.10 , the method provided in the embodiment of the present application further includes the following steps:
[0139] S110, the financial platform obtains the target user's pending bill information;
[0140] S111, the financial platform obtains the personal contact information of the target user according to the bill information to be paid;
[0141] S112, when the personal contact information has bound payment-on-behalf-of user information, determining the associated contact information of the payment-on-behalf-of user information; and determining the target contact information based on the contact information and the associated information;
[0142] S113, the financial platform generates a payment webpage link according to the bill information to be paid, and sends a notification message carrying the payment webpage link and the bill information to be paid to the target terminal according to the target contact information.
[0143] S114, the target terminal obtains a notification message carrying information about the bill to be paid;
[0144] S115, the target terminal obtains the input identity information of the target user according to the notification message; and jumps to the identity authentication page in response to the page jump instruction input in the notification message;
[0145] S116, the target terminal transmits the identity information of the target user input on the identity authentication page to the server;
[0146] S117, receiving authentication information of the identity information fed back by the server; if the authentication information indicates that the authentication is successful, jumping from the identity authentication page to the payment page;
[0147] S118, sending the payment information entered on the payment page to the financial platform to complete the bill to be paid in the bill to be paid information;
[0148] S119, the financial platform sends the pending bill information in the pending bill information to the campus payment inquiry platform.
[0149] In an embodiment of the present application, by sending a notification message to the target user, the target user can be prevented from missing the online payment due to exceeding the latest payment date. In the case where the target user has not reserved a mobile phone number, the target contact information is searched according to the identification information of the target user to avoid the target user not reserving contact information during the card opening process, resulting in failure to receive the notification message. In addition, in the case where there is a payment agent bound to the personal contact information, the associated contact information of the payment agent is obtained at the same time, so that when the target user does not receive the notification message, the payment agent can be notified to pay the fee on behalf of the target user, thereby preventing the target user from missing the online payment. A notification message carrying a payment webpage link and the bill information to be paid is also sent to the target terminal, so that the target user can directly click on the payment webpage link to complete the payment without logging into the payment platform, thereby reducing the payment steps.
[0150] It should be understood that, although the various steps in the flowcharts involved in the above-mentioned embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps does not have a strict order restriction, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-mentioned embodiments can include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.
[0151] Based on the same inventive concept, the embodiment of the present application also provides a payment device for implementing the payment method involved above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations in one or more payment device embodiments provided below can refer to the limitations on the payment method above, and will not be repeated here.
[0152] In one embodiment, Fig.11 As shown, a payment device 200 is provided for use in a financial platform, including:
[0153] The bill information acquisition module 210 is used to acquire the to-be-paid bill information of the target user;
[0154] The contact information acquisition module 220 is used to acquire the target contact information of the target user according to the bill information to be paid if the bill information to be paid does not contain the contact information of the target user;
[0155] The notification message sending module 230 is used to send a notification message carrying the bill information to be paid to the target terminal of the target user according to the target contact information.
[0156] In another embodiment, the contact information acquisition module 220 includes:
[0157] A contact information acquisition unit, used to acquire personal contact information of a target user according to the bill information to be paid;
[0158] A contact information determination unit, configured to determine associated contact information of the payment agent user information when there is bound payment agent user information to the personal contact information;
[0159] The target information determining unit is used to determine the target contact information according to the contact information and the associated information.
[0160] In another embodiment, the above device further comprises:
[0161] A payment information receiving module, used for receiving payment information of a target user sent by a target terminal;
[0162] The payment bill completion module is used to complete the bills to be paid in the bill information to be paid according to the payment information.
[0163] In another embodiment, the notification message sending module 230 includes:
[0164] A link generation unit, used to generate a payment webpage link according to the bill information to be paid;
[0165] The notification message sending unit is used to send a notification message carrying a payment webpage link and information of the bill to be paid to the target terminal according to the target contact information.
[0166] Based on the same inventive concept, the embodiment of the present application also provides a payment device for implementing the payment method involved above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations in one or more payment device embodiments provided below can refer to the limitations on the payment method above, and will not be repeated here.
[0167] In another embodiment, Fig.12 As shown, a payment device 300 is provided for a target terminal, including:
[0168] Notification message acquisition module 310, used to acquire notification message carrying bill information to be paid;
[0169] The identity information acquisition module 320 is used to acquire the identity information of the input target user according to the notification message;
[0170] The payment information acquisition module 330 is used to acquire the payment information of the input target user when the authentication information of the identity information indicates that the authentication is successful;
[0171] The payment module 340 is used to send the payment information to the financial platform to complete the bills to be paid in the bill information to be paid.
[0172] In another embodiment, the payment device 340 further includes:
[0173] A page jump module is used to jump from the identity authentication page to the payment page when the authentication information of the identity information indicates that the authentication is successful;
[0174] The bill completion module is used to send the payment information entered on the payment page to the financial platform to complete the bills to be paid in the bill information to be paid.
[0175] In another embodiment, the payment device 340 further includes:
[0176] A page jump module, used to jump to the identity authentication page in response to a page jump instruction input in the notification message;
[0177] Correspondingly, the page jump module includes:
[0178] An identity information transmission unit, used to transmit the identity information of the target user input on the identity authentication page to the server;
[0179] An authentication information receiving unit, used to receive authentication information of identity information fed back by a server;
[0180] The payment page jump unit is used to jump from the identity authentication page to the payment page when the authentication information indicates that the authentication is successful.
[0181] Each module in the above device can be implemented in whole or in part by software, hardware or a combination thereof. Each module can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute operations corresponding to each module above.
[0182] In one embodiment, a computer device is provided. The computer device may be a terminal, and its internal structure diagram may be as follows: Fig.13 As shown. The computer device includes a processor, a memory, an input / output interface, a communication interface, a display unit and an input device. The processor, the memory and the input / output interface are connected through a system bus, and the communication interface, the display unit and the input device are connected to the system bus through the input / output interface. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The input / output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used to communicate with an external terminal in a wired or wireless manner, and the wireless manner can be realized through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. When the computer program is executed by the processor, a payment method is realized. The display unit of the computer device is used to form a visually visible picture, which can be a display screen, a projection device or a virtual reality imaging device. The display screen can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer device can be a touch layer covering the display screen, or a button, trackball or touchpad set on the computer device shell, or an external keyboard, touchpad or mouse.
[0183] Those skilled in the art will understand that Fig.13 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.
[0184] In one embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and when the processor executes the computer program, the following steps are implemented:
[0185] Obtain the target user's pending bill information;
[0186] If the bill information to be paid does not contain the contact information of the target user, obtaining the target contact information of the target user according to the bill information to be paid;
[0187] According to the target contact information, a notification message carrying the bill information to be paid is sent to the target terminal of the target user.
[0188] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:
[0189] Obtain the target user's personal contact information based on the bill information to be paid;
[0190] If the personal contact information is bound to the payment agent user information, determine the associated contact information of the payment agent user information;
[0191] Determine target contact information based on contact information and related information.
[0192] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:
[0193] Receiving payment information of a target user sent by a target terminal;
[0194] According to the payment information, complete the bills to be paid in the bill information.
[0195] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:
[0196] Generate a payment webpage link based on the bill information to be paid;
[0197] According to the target contact information, a notification message carrying a payment webpage link and the bill information to be paid is sent to the target terminal.
[0198] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:
[0199] Get notification messages with information about bills to be paid;
[0200] According to the notification message, obtain the identity information of the input target user;
[0201] When the authentication information of the identity information indicates that the authentication is successful, obtaining the payment information of the input target user;
[0202] The payment information is sent to the financial platform to complete the bills to be paid in the bill information to be paid.
[0203] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:
[0204] When the authentication information of the identity information indicates that the authentication is successful, jump from the identity authentication page to the payment page;
[0205] The payment information entered on the payment page is sent to the financial platform to complete the bills to be paid in the bill information.
[0206] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:
[0207] In response to the page jump instruction input in the notification message, jump to the identity authentication page;
[0208] Correspondingly, when the authentication information of the identity information indicates that the authentication is successful, the page jumps from the identity authentication page to the payment page, including:
[0209] Transmit the target user's identity information entered on the identity authentication page to the server;
[0210] Receive authentication information of identity information fed back by the server;
[0211] When the authentication information indicates that the authentication is successful, jump from the identity authentication page to the payment page.
[0212] In one embodiment, a computer readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented:
[0213] Obtain the target user's pending bill information;
[0214] If the bill information to be paid does not contain the contact information of the target user, obtaining the target contact information of the target user according to the bill information to be paid;
[0215] According to the target contact information, a notification message carrying the bill information to be paid is sent to the target terminal of the target user.
[0216] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:
[0217] Obtain the target user's personal contact information based on the bill information to be paid;
[0218] If the personal contact information is bound to the payment agent user information, determine the associated contact information of the payment agent user information;
[0219] Determine target contact information based on contact information and related information.
[0220] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:
[0221] Receiving payment information of a target user sent by a target terminal;
[0222] According to the payment information, complete the bills to be paid in the bill information.
[0223] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:
[0224] Generate a payment webpage link based on the bill information to be paid;
[0225] According to the target contact information, a notification message carrying a payment webpage link and the bill information to be paid is sent to the target terminal.
[0226] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:
[0227] Get notification messages with information about bills to be paid;
[0228] According to the notification message, obtain the identity information of the input target user;
[0229] When the authentication information of the identity information indicates that the authentication is successful, obtaining the payment information of the input target user;
[0230] The payment information is sent to the financial platform to complete the bills to be paid in the bill information to be paid.
[0231] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:
[0232] When the authentication information of the identity information indicates that the authentication is successful, jump from the identity authentication page to the payment page;
[0233] The payment information entered on the payment page is sent to the financial platform to complete the bills to be paid in the bill information.
[0234] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:
[0235] In response to the page jump instruction input in the notification message, jump to the identity authentication page;
[0236] Correspondingly, when the authentication information of the identity information indicates that the authentication is successful, the page jumps from the identity authentication page to the payment page, including:
[0237] Transmit the target user's identity information entered on the identity authentication page to the server;
[0238] Receive authentication information of identity information fed back by the server;
[0239] When the authentication information indicates that the authentication is successful, jump from the identity authentication page to the payment page.
[0240] In one embodiment, a computer program product is provided, comprising a computer program, which, when executed by a processor, implements the following steps:
[0241] Obtain the target user's pending bill information;
[0242] If the bill information to be paid does not contain the contact information of the target user, obtaining the target contact information of the target user according to the bill information to be paid;
[0243] According to the target contact information, a notification message carrying the bill information to be paid is sent to the target terminal of the target user.
[0244] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:
[0245] Obtain the target user's personal contact information based on the bill information to be paid;
[0246] If the personal contact information is bound to the payment agent user information, determine the associated contact information of the payment agent user information;
[0247] Determine target contact information based on contact information and related information.
[0248] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:
[0249] Receiving payment information of a target user sent by a target terminal;
[0250] According to the payment information, complete the bills to be paid in the bill information.
[0251] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:
[0252] Generate a payment webpage link based on the bill information to be paid;
[0253] According to the target contact information, a notification message carrying a payment webpage link and the bill information to be paid is sent to the target terminal.
[0254] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:
[0255] Get notification messages with information about bills to be paid;
[0256] According to the notification message, obtain the identity information of the input target user;
[0257] When the authentication information of the identity information indicates that the authentication is successful, obtaining the payment information of the input target user;
[0258] The payment information is sent to the financial platform to complete the bills to be paid in the bill information to be paid.
[0259] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:
[0260] When the authentication information of the identity information indicates that the authentication is successful, jump from the identity authentication page to the payment page;
[0261] The payment information entered on the payment page is sent to the financial platform to complete the bills to be paid in the bill information.
[0262] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:
[0263] In response to the page jump instruction input in the notification message, jump to the identity authentication page;
[0264] Correspondingly, when the authentication information of the identity information indicates that the authentication is successful, the page jumps from the identity authentication page to the payment page, including:
[0265] Transmit the target user's identity information entered on the identity authentication page to the server;
[0266] Receive authentication information of identity information fed back by the server;
[0267] When the authentication information indicates that the authentication is successful, jump from the identity authentication page to the payment page.
[0268] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant laws, regulations and standards of relevant countries and regions.
[0269] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiments can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in this application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magneto resistive random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, etc., but are not limited to this.
[0270] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.
[0271] The above-described embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.
Claims
1. A payment method, characterized in that: Applied to a financial platform, the method comprises: Obtain the target user's pending bill information; If the bill information to be paid does not contain the contact information of the target user, obtaining the target contact information of the target user according to the bill information to be paid; According to the target contact information, a notification message carrying the to-be-paid bill information is sent to the target terminal of the target user.
2. The method according to claim 1, characterized in that If the bill information to be paid does not contain the contact information of the target user, obtaining the target contact information of the target user according to the bill information to be paid includes: Acquiring personal contact information of the target user according to the bill information to be paid; If the personal contact information is bound to payment-on-agent user information, determining the associated contact information of the payment-on-agent user information; The target contact information is determined according to the personal contact information and the associated contact information.
3. The method according to claim 1 or 2, characterized in that: The method further comprises: Receiving payment information of the target user sent by the target terminal; According to the payment information, the bills to be paid in the bills to be paid information are completed.
4. The method according to claim 1 or 2, characterized in that: The sending, according to the target contact information, a notification message carrying the to-be-paid bill information to a target terminal of the target user includes: Generate a payment webpage link according to the bill information to be paid; According to the target contact information, a notification message carrying the payment webpage link and the bill information to be paid is sent to the target terminal.
5. A payment method, characterized in that: Applied to a target terminal, the method comprises: Get the notification message with the bill information to be paid; According to the notification message, obtaining the identity information of the input target user; When the authentication information of the identity information indicates that the authentication is successful, obtaining the payment information of the input target user; The payment information is sent to the financial platform to complete the bills to be paid in the bill information to be paid.
6. The method according to claim 5, characterized in that The method further comprises: If the authentication information of the identity information indicates that the authentication is successful, jump from the identity authentication page to the payment page; The payment information entered on the payment page is sent to the financial platform to complete the bills to be paid in the bill information to be paid.
7. The method according to claim 6, characterized in that When the authentication information of the identity information indicates that the authentication is successful, before jumping from the identity authentication page to the payment page, the method further includes: Responding to the page jump instruction input in the notification message, jumping to the identity authentication page; Correspondingly, when the authentication information of the identity information indicates that the authentication is successful, jumping from the identity authentication page to the payment page includes: Transmitting the identity information of the target user inputted on the identity authentication page to the server; Receiving authentication information of the identity information fed back by the server; When the authentication information indicates that the authentication is successful, the page is redirected from the identity authentication page to the payment page.
8. A payment device, characterized in that: Applied to a financial platform, the device comprises: The bill information acquisition module is used to obtain the target user's pending bill information; A contact information acquisition module, configured to acquire the target contact information of the target user according to the bill information to be paid if the bill information to be paid does not contain the contact information of the target user; The notification message sending module is used to send a notification message carrying the to-be-paid bill information to the target terminal of the target user according to the target contact information.
9. A payment device, characterized in that: Applied to a target terminal, the device comprises: A notification message acquisition module is used to acquire notification messages carrying information about bills to be paid; An identity information acquisition module, used to acquire the identity information of the input target user according to the notification message; A payment information acquisition module, used to acquire the payment information of the input target user when the authentication information of the identity information indicates that the authentication is successful; The payment module is used to send the payment information to the financial platform to complete the bills to be paid in the bill information to be paid.
10. A computer device comprising a memory and a processor, wherein the memory stores a computer program, characterized in that: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 7 are implemented.
11. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.
12. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.