Payment method, payment device, electronic equipment and storage medium
Through biometric identification technology and intelligent payment system, the problems of low efficiency and poor convenience of existing resource management and billing systems are solved, realizing instant and automatic payment of resource usage costs, improving management efficiency and fund security.
Patent Information
- Application Number
- CN202411373643.0
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-09-29
- Publication Date
- 2025-01-07
AI Technical Summary
Existing resource management and billing systems rely on manual operations and physical media, resulting in low efficiency, poor convenience, inaccurate billing and high management costs.
Receive resource usage data sent by terminal devices through biometric identification technology, determine the target payment standards and amounts, and realize instant automatic payment through third-party payment platforms and financial institutions, and directly transfer fees to the institution account.
It significantly improves user experience and management efficiency, simplifies transaction processes, and ensures rapid and safe transfer of funds.
Smart Images
Figure CN119273339A_ABST
Abstract
Description
Technical Field
[0001] The present disclosure relates to the field of electronic payment technology, and in particular to a payment method, a payment device, an electronic device and a storage medium. Background Art
[0002] In the current public services and facilities management, especially those involving daily consumption and use by users, such as campus life, residential areas, office areas and public facilities, the allocation, monitoring and billing management of resources (such as water, electricity, gas, etc.) is a crucial task. The efficiency, convenience and security of these management methods are directly related to user experience, resource utilization efficiency and management cost control.
[0003] At present, the management and billing of such resources mainly rely on manual operations and physical media (such as cards, tickets, etc.). Taking the hot water supply in dormitories on campus as an example, the manual meter reading mode requires staff to regularly record data on site, which is not only time-consuming and labor-intensive, but also prone to errors, affecting the accuracy and timeliness of billing. Although the card-swiping water-drawing mode has improved the level of automation to a certain extent, it relies on the carrying, storage and recharging of physical cards, and there are problems such as loss, damage and cumbersome recharge and refund procedures, which brings inconvenience to users and increases management costs. Summary of the invention
[0004] The present disclosure provides a payment method, a payment device, an electronic device and a storage medium to at least solve one of the technical problems in the related art to a certain extent. The technical solution of the present disclosure is as follows:
[0005] According to a first aspect of an embodiment of the present disclosure, a payment method is provided, including:
[0006] Receiving resource usage data of a target object sent by a terminal device; wherein the target object is an object whose identity information is confirmed based on biometric information collected by the terminal device;
[0007] Determine a target payment standard that matches the identity information of the target object from a plurality of candidate payment standards, and determine a target amount to be paid by the target object based on the resource usage data and the target payment standard;
[0008] Selecting a target payment platform from at least one third-party payment platform that has been bound to the identity information of the target object;
[0009] Generate a payment request according to the target amount and the account to be paid on the target payment platform;
[0010] The payment request is sent to the target payment platform to instruct the target payment platform to transfer the target amount from the account to be paid to the institutional account of the institution to which the target object belongs, and transfer the target amount from the institutional account to the public account of the institution to which the target object belongs through a financial institution.
[0011] According to a second aspect of an embodiment of the present disclosure, a payment device is provided, including:
[0012] A receiving module, configured to receive resource usage data of a target object sent by a terminal device; wherein the target object is an object whose identity information is confirmed based on biometric information collected by the terminal device;
[0013] A determination module, configured to determine a target payment standard that matches the identity information of the target object from a plurality of candidate payment standards, and determine a target amount to be paid by the target object according to the resource usage data and the target payment standard;
[0014] A selection module, used to select a target payment platform from at least one third-party payment platform that has been bound to the identity information of the target object;
[0015] A generating module, used for generating a payment request according to the target amount and the account to be paid of the target payment platform;
[0016] A sending module is used to send the payment request to the target payment platform to instruct the target payment platform to transfer the target amount from the account to be paid to the institutional account of the institution to which the target object belongs, and to transfer the target amount from the institutional account to the public account of the institution to which the target object belongs through a financial institution.
[0017] According to a third aspect of an embodiment of the present disclosure, an electronic device is provided, comprising: a processor; and a memory for storing instructions executable by the processor; wherein the processor is configured to execute the instructions to implement the payment method as described in the above embodiment of the present disclosure.
[0018] According to a fourth aspect of an embodiment of the present disclosure, a computer-readable storage medium is provided. When instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device is enabled to execute the payment method as described in the above embodiment of the present disclosure.
[0019] According to a fifth aspect of an embodiment of the present disclosure, a computer program product is provided, comprising: a computer program, wherein when the computer program is executed by a processor, the payment method as described in the above embodiment of the present disclosure is implemented.
[0020] The technical solution provided by the embodiments of the present disclosure brings at least the following beneficial effects:
[0021] In the present disclosure, after receiving the resource usage data of the target object sent by the terminal device, the server first determines the target payment standard that matches the identity information of the target object from multiple candidate payment standards, and determines the target amount to be paid by the target object based on the resource usage data and the target payment standard, and then selects the target payment platform from at least one third-party payment platform that has been bound to the identity information of the target object, and finally generates a request to be paid based on the target amount and the account to be paid of the target payment platform, and sends the request to be paid to the target payment platform to instruct the target payment platform to transfer the target amount from the account to be paid to the institutional account of the institution to which the target object belongs, and transfers the target amount from the institutional account to the public account of the institution to which the target object belongs through the financial institution. The present disclosure realizes the docking of the expenses generated by resource use to the payment account of the target payment platform by combining biometric recognition with intelligent payment technology, and performs instant automatic payment, which not only significantly enhances the user experience, but also simplifies the transaction journey and improves management efficiency. At the same time, the capital flow mechanism of the third-party payment platform and the financial institution is integrated to ensure the rapid and safe transfer of funds.
[0022] It is to be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS
[0023] The drawings herein are incorporated into and constitute a part of the specification, illustrate embodiments consistent with the present disclosure, and together with the description are used to explain the principles of the present disclosure, and do not constitute improper limitations on the present disclosure.
[0024] Figure 1 is a flow chart of a payment method according to the first embodiment of the present disclosure;
[0025] Figure 2 is a schematic diagram of a process for determining a target payment platform according to the second embodiment of the present disclosure;
[0026] Figure 3 is a schematic diagram of a process of determining a target amount to be paid by a target object according to a third embodiment of the present disclosure;
[0027] Figure 4 is a schematic diagram of a process of controlling a terminal device shown in the fourth embodiment of the present disclosure;
[0028] Figure 5 is a flow chart of a monitoring terminal device shown in the fifth embodiment of the present disclosure;
[0029] Figure 6 is a schematic diagram of a water fee payment system based on palmprint recognition shown in a sixth embodiment of the present disclosure;
[0030] Figure 7 is a block diagram of a payment device shown in the seventh embodiment of the present disclosure;
[0031] Figure 8 It is a schematic diagram of the structure of an electronic device shown in an exemplary embodiment of the present disclosure. DETAILED DESCRIPTION
[0032] In order to enable ordinary persons in the art to better understand the technical solutions of the present disclosure, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below in conjunction with the accompanying drawings.
[0033] It should be noted that the terms "first", "second", etc. in the specification and claims of the present disclosure and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present disclosure described herein can be implemented in an order other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present disclosure. Instead, they are merely examples of devices and methods consistent with some aspects of the present disclosure as detailed in the appended claims.
[0034] It should be noted that the acquisition, storage, use, and processing of data in the technical solution disclosed in this disclosure are in compliance with the provisions of relevant laws and regulations and do not violate public order and good morals.
[0035] It should also be noted that the information (including but not limited to user device information, user personal information, etc.), data (including but not limited to data used for analysis, stored data, displayed data, etc.) and signals involved in this disclosure are all 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.
[0036] It should also be noted that in the embodiments of the present disclosure, certain software, components, models and other existing solutions in the industry may be mentioned, which should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present disclosure, but it does not mean that the applicant has or will necessarily use the solution.
[0037] The payment method, payment device, electronic device and storage medium of the embodiments of the present disclosure are described below with reference to the accompanying drawings.
[0038] Figure 1 It is a flowchart of the payment method shown in the first embodiment of the present disclosure.
[0039] The embodiment of the present disclosure takes the payment method being configured in a payment device as an example. The payment device can be applied to any electronic device so that the electronic device can perform a payment function.
[0040] Among them, the electronic device can be any device with computing capabilities, such as a personal computer, a mobile terminal, a server (or cloud), etc. The mobile terminal can be, for example, a vehicle-mounted device, a mobile phone, a tablet computer, a personal digital assistant, a wearable device, and other hardware devices with various operating systems, touch screens and / or display screens.
[0041] For ease of explanation, the electronic device is described below using a server as an example.
[0042] like Figure 1 As shown, the payment method of the embodiment of the present disclosure may include the following steps S1 to S5.
[0043] In step S1, resource usage data of a target object sent by a terminal device is received; wherein the target object is an object whose identity information is determined based on biometric information collected by the terminal device.
[0044] In the present disclosure, the terminal device may be a faucet on a school hot water device, a faucet in a public shower system, a smart socket, or a gas meter, all of which are integrated with a biometric detection module that supports a variety of biometric recognition technologies, including but not limited to palm prints, fingerprints, faces, irises, and voice prints.
[0045] Each terminal device is equipped with corresponding resource usage data sensors according to its characteristics. For example, the faucet is equipped with a flow sensor, the smart socket is equipped with an electricity meter, and the gas meter directly records the gas usage.
[0046] When the target object approaches the terminal device and attempts to use it, the biometric detection module will automatically start to collect the biometric information of the target object, and compare the collected biometric information with the biometric information associated with the respective identity information in the database preset in the terminal device or server. If matching biometric information is found, the server will determine the identity information associated with the biometric information as the identity information of the target object. The identity information includes but is not limited to name, ID number (such as student number), organization (such as school, company department), object type (such as student, faculty, ordinary user, etc.), and allow the target object to input control instructions such as pressing a button or scanning a QR code through the terminal device to turn on the terminal device.
[0047] When the terminal device is turned on, the corresponding sensor will obtain the resource usage data of the target object in real time.
[0048] In order to improve the security of resource usage data transmission, after the resource usage data is obtained, the resource usage data can be encrypted first, and then the encrypted resource usage data is sent to the server through a secure communication protocol such as HTTPS. In this way, if the server receives the encrypted resource usage data sent from the terminal device, it will use the corresponding decryption algorithm to decrypt the encrypted data and obtain the original resource usage data.
[0049] In step S2, a target payment standard matching the identity information of the target object is determined from a plurality of candidate payment standards, and a target amount to be paid by the target object is determined based on the resource usage data and the target payment standard.
[0050] Before calculating the target amount to be paid by the target object, the server needs to first determine the target payment standard based on the identity information of the target object. For example, after receiving the identity information of the target object, the server accesses a predefined payment standard database, which stores multiple candidate payment standards for different object types and usage periods, and then compares and selects the target payment standard that completely matches the identity information of the target object from the multiple candidate payment standards. It should be noted that if there are multiple matching target payment standards, the final target payment standard can be determined according to the priority rule (such as object type is superior to usage period).
[0051] The server calculates the target amount based on the target payment standard and resource usage data using a cost calculation model. The cost calculation model can handle billing methods for different resource types (such as pay-as-you-go, pay-as-you-go, tiered billing, etc.), as well as possible discounts or price increases based on user type and usage period.
[0052] It should be noted that the server may also consider possible preferential policies or fee reduction rules during the calculation process to determine the fairness and rationality of the final calculated target amount.
[0053] In step S3, a target payment platform is selected from at least one third-party payment platform that has been bound to the identity information of the target object.
[0054] In order to determine the target payment platform, this can be achieved through the following examples 1 and 2.
[0055] Example 1:
[0056] The server executes Figure 2 The steps shown include step S21 to step S23.
[0057] In step S21, based on the identity information of the target object, the behavior characteristics of the target object are obtained; wherein the behavior characteristics are used to characterize the payment preference of the target object.
[0058] Based on the target object's identity information, the server accesses its payment behavior database or historical transaction records, and uses data analysis technology to extract and summarize the target object's payment behavior characteristics, such as payment frequency, payment amount distribution, payment time preference (such as night payment, weekday payment, etc.), common payment methods (such as bank cards, balances, credit cards, etc.) and historical payment success rate, etc., and integrates these behavioral characteristics into a comprehensive scoring system to quantitatively characterize the target object's payment preference.
[0059] In step S22, response information of each third-party payment platform is obtained; wherein the response information is used to indicate the average response time of the third-party payment platform to the payment request.
[0060] The server sends a query request to all third-party payment platforms that have been bound to the target object's identity information, and collects the average response time of each third-party payment platform to the payment request.
[0061] In step S23, the target payment platform is determined based on the behavior characteristics of the target object and the response information of each third-party payment platform.
[0062] The server combines the behavioral characteristics of the target object and the response information of each third-party payment platform, runs a comprehensive evaluation model to calculate the comprehensive score of each third-party payment platform. The comprehensive evaluation model comprehensively considers payment preferences and response information, and then selects the third-party payment platform with the highest comprehensive score as the target payment platform.
[0063] It should be noted that if there are multiple target payment platforms with the same and highest scores, secondary screening can be performed based on preset priority rules (such as historical usage frequency of the target object, platform credibility, etc.).
[0064] Example 2:
[0065] When binding a third-party payment platform, the target object can set a preference order for each third-party payment platform based on personal preferences, payment habits or trust in a specific third-party payment platform.
[0066] When a payment operation is required, the server automatically checks the availability of each third-party payment platform from the bound third-party payment platforms in turn according to the priority order preset by the target object. For example, the server first tries to use the third-party payment platform with the highest priority. If the third-party payment platform with the highest priority is currently unavailable (such as insufficient balance, account abnormality, etc.), it will automatically downgrade to the third-party payment platform with the next priority until an available target payment platform is found.
[0067] In step S4, a payment request is generated according to the target amount and the account to be paid of the target payment platform.
[0068] After obtaining the target amount and the target payment platform, the server obtains the to-be-paid account of the target payment platform and generates a to-be-paid request including the target amount and the to-be-paid platform.
[0069] In step S5, the payment request is sent to the target payment platform to instruct the target payment platform to transfer the target amount from the account to be paid to the institutional account of the institution to which the target object belongs, and transfer the target amount from the institutional account to the public account of the institution to which the target object belongs through the financial institution.
[0070] The server sends the payment request to the target payment platform. After receiving the payment request, the target payment platform will conduct a series of security verifications, such as verifying the legitimacy of the request, verifying the validity of the user account, and checking whether the account balance is sufficient. If the verification is successful, the target payment platform will deduct the target amount from the target object's payment account according to the payment request. After the deduction is successful, the target payment platform will generate a successful payment transaction record and store this record in the server's database for subsequent query and reconciliation. At the same time, the target payment platform will send a successful payment response to the server, including information about the successful transaction.
[0071] Assuming that the target object's institution account has established a cooperative relationship with the target payment platform and opened the corresponding fund settlement service, the target payment platform will transfer the deducted target amount to the target object's institution account. This step may be completed immediately or according to the settlement cycle agreed by both parties.
[0072] If the institutional account and the public account belong to different financial institutions, or if inter-bank transfers are required, then the funds may need to be transferred through a financial institution. In this case, the target payment platform needs to establish a cooperative relationship with the financial institution and complete the inter-bank transfer of funds through the banking system. After the transfer is successful, the financial institution will send a notification of successful transfer to the target payment platform and the party to which the institutional account belongs.
[0073] The target payment platform and the institutional account owner will conduct regular reconciliation to ensure the accuracy and completeness of fund flow. If any discrepancies or problems are found, they can be communicated and resolved in a timely manner.
[0074] In order to make the target object understand his or her own spending, after receiving the payment result feedback from the target payment platform (the payment result includes resource usage data and target amount), the server can send the payment result to the target object through a preset channel (such as SMS or email) to inform the target object that the payment has been completed.
[0075] For example, a school has installed a smart hot water meter. Teachers and students can use palm print recognition to turn on the smart hot water meter and use hot water. The following is a specific example:
[0076] Student Xiao Zhang activated the smart hot water meter in the dormitory through palm print recognition. The smart hot water meter immediately began to record the amount of hot water used by Xiao Zhang and sent the hot water usage data to the server. The server received Xiao Zhang's hot water usage data. For example, Xiao Zhang used 10 liters of hot water this time. The server calculated the target amount that Xiao Zhang needs to pay based on the school's hot water fee standard for school students (assuming that the cost of hot water per liter is 0.2 yuan), that is, 10 liters × 0.2 yuan / liter = 2 yuan. Subsequently, the server generates a pending payment request, which contains the pending payment account of the target payment platform bound to Xiao Zhang's identity information (such as an e-wallet account) and the amount of 10 yuan to be paid.
[0077] The server sends this pending payment request to the target payment platform. The target payment platform automatically deducts 10 yuan from Xiao Zhang's pending payment account and transfers the amount to the school's designated institutional account for the collection of hot water fees. Finally, the target payment platform transfers the amount from the school's institutional account to the school's public account through the bank's settlement system, completing the entire payment process.
[0078] In the present disclosure, after receiving the resource usage data of the target object sent by the terminal device, the server first determines the target payment standard that matches the identity information of the target object from multiple candidate payment standards, and determines the target amount to be paid by the target object based on the resource usage data and the target payment standard, and then selects the target payment platform from at least one third-party payment platform that has been bound to the identity information of the target object, and finally generates a request to be paid based on the target amount and the account to be paid of the target payment platform, and sends the request to be paid to the target payment platform to instruct the target payment platform to transfer the target amount from the account to be paid to the institutional account of the institution to which the target object belongs, and transfers the target amount from the institutional account to the public account of the institution to which the target object belongs through the financial institution. The present disclosure realizes the docking of the expenses generated by resource use to the payment account of the target payment platform by combining biometric recognition with intelligent payment technology, and performs instant automatic payment, which not only significantly enhances the user experience, but also simplifies the transaction journey and improves management efficiency. At the same time, the capital flow mechanism of the third-party payment platform and the financial institution is integrated to ensure the rapid and safe transfer of funds.
[0079] In order to enable those skilled in the art to more clearly understand the process of determining the target amount to be paid by the target object in the above step S2, Figure 3 To explain, Figure 3As shown, the process of determining the target amount to be paid by the target object in the embodiment of the present disclosure includes steps S31 and S32.
[0080] In step S31, the initial amount to be paid by the target object for using the terminal device this time is calculated based on the resource usage data and the target payment standard.
[0081] In step S32, in response to the existence of historical payment information of the target object, the target amount is determined according to the initial amount and the historical payment information.
[0082] The server first queries the historical payment information to determine whether the target object has paid a historical amount to the institution's account, obtains the query result, and determines the target amount based on the query result. The historical amount is the amount that the target object needs to pay to the institution's account when using the terminal device most recently.
[0083] If the query result indicates that the target object has paid the historical amount, the initial amount will be used as the target amount that the target object needs to pay to the institutional account using the terminal device this time.
[0084] If the query result indicates that the target object has not paid the historical amount, the target amount that the target object needs to pay to the institutional account using the terminal device this time is determined based on the initial amount and the historical amount.
[0085] If the query result indicates that the target object has paid part of the historical amount, the remaining amount of the historical amount excluding the part is calculated, and based on the remaining amount and the initial amount, the target amount that the target object needs to pay to the institutional account this time using the terminal device is determined.
[0086] For example, Xiao Zhang activated the smart hot water meter in the dormitory through palm print recognition and used 10 liters of hot water. According to the school's hot water fee standard for students (0.2 yuan per liter), the server calculated that the initial amount Xiao Zhang had to pay for this use of hot water was 20 yuan (10 liters × 0.2 yuan / liter = 2 yuan).
[0087] The server then queries Xiao Zhang's historical payment information, which includes the following four situations.
[0088] The first case: If Xiao Zhang has paid all historical amounts.
[0089] If Xiao Zhang's historical payment record shows that he has paid 5 yuan last time, the server will directly use the initial amount of 2 yuan as the target amount to be paid this time.
[0090] The second situation: If Xiao Zhang has not paid the historical amount.
[0091] If Xiao Zhang's historical record shows that he has not paid the last 5 yuan, the server will add the initial amount of 2 yuan to the historical amount of 5 yuan, and the total target amount to be paid by Xiao Zhang this time is 7 yuan (2 yuan + 5 yuan = 7 yuan).
[0092] The third situation: If Xiao Zhang has paid part of the historical amount.
[0093] If Xiao Zhang's history record shows that he needed to pay 5 yuan last time, but he only paid part of the historical amount (for example, 3 yuan), the remaining unpaid amount is 2 yuan. At this time, the server will add the remaining unpaid amount of 2 yuan to the initial amount of 2 yuan, and the target amount is 4 yuan (2 yuan + 2 yuan = 4 yuan).
[0094] The server determines the account to be paid on the target payment platform that is bound to Xiao Zhang's identity information (such as his student ID number or bound mobile phone number).
[0095] Finally, the server generates a payment request based on the determined target amount and the target payment platform's pending payment account, and sends the payment request to the target payment platform. Based on the payment request, the target payment platform deducts the target amount from Xiao Zhang's pending payment account, transfers the amount to the school's designated institutional account, and finally transfers it to the school's public account through the banking system, completing the payment process.
[0096] Before the resource usage monitoring and billing process (starting from step S1), in order to ensure that only authorized target objects can use the resources of the terminal device, the present disclosure also introduces pre-steps S41 to S43, such as Figure 4 As shown, steps S41 to S43 are executed before S1.
[0097] S41, receiving the biometric information collected by the terminal device and the device number of the terminal device.
[0098] For example, when the target subject Xiao Zhang tries to use a smart hot water meter, he first submits his biometric information (such as palm prints) and the device number of the terminal device through a terminal device (such as a hot water meter controller with a palm print recognition function), and this information is sent to the server for further processing.
[0099] S42, determining the identity information of the target object based on the biometric information collected by the terminal device.
[0100] After receiving the biometric information collected by the terminal device, the server will compare the biometric information collected by the terminal device with the biometric information associated with the respective identity information stored in the database in advance. If a matching biometric information is found, the server will determine the identity information associated with the biometric information as the identity information of the target object.
[0101] S43, performing corresponding control on the terminal device with the corresponding device number according to the identity information of the target object and the received control instruction.
[0102] After determining the identity information of the target object, the server determines the target authority (such as the daily hot water usage limit) that matches the target object based on the target object's identity information. The server receives control instructions (such as turning on hot water) from the terminal device or user interface, and generates a corresponding target control signal based on the target authority and control instruction. The control signal will be sent back to the terminal device with the corresponding device number to allow or deny the terminal device's operation request (such as allowing hot water to flow out).
[0103] After Xiao Zhang passes the identity authentication and controls the device, the smart hot water meter starts to record the hot water usage, and then executes steps S1 to S5 to complete the payment process.
[0104] In order to monitor the terminal device according to the resource usage data, after the above step S1, the present disclosure further introduces the following steps S51-S51, such as Figure 5 As shown, step S51-step S51 can be performed after step S1.
[0105] S51, querying historical usage data of the terminal device.
[0106] S52, comparing the resource usage data with the historical usage data to determine the change trend.
[0107] Among them, changing trends include increasing and decreasing trends and cyclical changing trends.
[0108] S53, monitoring the operating status of the terminal device according to the change trend.
[0109] S54, controlling the switch state of the terminal device according to the monitoring result.
[0110] When the monitoring results indicate that the terminal device is operating abnormally, the server generates a shutdown control signal and sends the shutdown control signal to the terminal device to control the terminal device to shut down. This can prevent the abnormal state from further expanding, protect the terminal device from further damage, and reduce potential security risks. At the same time, detailed information such as the time, cause, treatment measures and results of the abnormality can also be recorded for subsequent fault analysis, performance optimization and preventive maintenance.
[0111] Figure 6 It is a schematic diagram of a water fee payment system based on palmprint recognition according to the fifth embodiment of the present disclosure.
[0112] like Figure 6As shown, the water fee payment system based on palmprint recognition of the embodiment of the present disclosure includes: a base meter, a solenoid valve assembly, an electronic module assembly with palmprint recognition, a cloud server (i.e., a cloud server), a water fee payment platform (i.e., a target payment platform), and a water control system.
[0113] Among them, the base meter refers to the terminal device, and each base meter has a specific device number and parameters.
[0114] The solenoid valve assembly controls whether water flows out of the base meter through a switch.
[0115] The electronic module assembly includes a palmprint recognition module, a data storage module, a water flow sensor, and a control module. Among them, the palmprint recognition module is used to collect students' palmprint information and can send the palmprint information to the control module; the data storage module stores the palmprint feature information of all students and is connected to the control module; the water flow sensor is used to collect the water flow data of the base meter, connected to the control module, and synchronizes the water consumption information in real time; the control module is connected to the solenoid valve assembly, and can control the water supply by controlling the switch of the solenoid valve. It is also connected to the palmprint recognition module and the data storage module, and is used to compare the palmprint information collected by the palmprint recognition module with the palmprint information of all students in the data storage module, and identify which student (student number, name) is currently using the base meter.
[0116] The cloud server is a cloud server that connects to the electronic module components and receives user information (student number, name) and water consumption information sent by the control module. By default, each student user is bound to an electronic wallet account (three types of bank accounts) as the transaction subject, and the electronic wallet account of the student user is linked to generate the first transaction request and send it to the water control system.
[0117] The water control system receives the first transaction request sent by the cloud server, generates a water fee payment slip according to the water consumption, and the water fee collection information of the user, generates a second transaction request, and sends it to the water fee payment platform.
[0118] The water fee payment platform is the target payment platform. The water fee payment platform manages the school water fee settlement business, including school accounts, school merchants, fund transfers, automatic clearing, etc. After receiving the second transaction request sent by the water control system, the transaction amount equal to the payment amount is extracted from the student's electronic wallet account and deducted to the school's institutional account. After the set time, it is transferred to the school's public account after settlement through the bank's settlement system.
[0119] The water fee payment platform sends payment success information to the water control system and cloud server.
[0120] The disclosed water fee payment system based on palmprint recognition obtains the identity information of the target object through palmprint recognition technology, automatically executes the deduction program when the hot water meter is turned off, and connects to the cloud server, water fee payment platform, and water control system for bank deduction. Compared with the traditional model, this payment solution is more flexible and convenient. There is no need to apply for an IC card or pre-charge in advance. The deduction is made in real time after the student uses the hot water. In addition, after the deduction transaction is successful, a successful payment information is sent to the water control system, which is convenient for the school to manage the water use of students in the water control system, without the need for manual meter reading, saving manpower and material resources.
[0121] Corresponding to the payment method provided in the above embodiment, the present disclosure also provides a payment device. Since the payment device provided in the embodiment of the present disclosure corresponds to the payment method provided in the above embodiment, the implementation method of the payment method is also applicable to the payment device provided in the embodiment of the present disclosure, and will not be described in detail in the embodiment of the present disclosure.
[0122] Figure 7 It is a schematic diagram of the structure of a payment device shown in the seventh embodiment of the present disclosure.
[0123] like Figure 7 As shown, the payment device 700 of the embodiment of the present disclosure includes:
[0124] The receiving module 710 is used to receive resource usage data of a target object sent by a terminal device; wherein the target object is an object whose identity information is confirmed based on the biometric information collected by the terminal device;
[0125] A determination module 720 is used to determine a target payment standard that matches the identity information of the target object from multiple candidate payment standards, and determine a target amount to be paid by the target object based on the resource usage data and the target payment standard;
[0126] A selection module 730 is used to select a target payment platform from at least one third-party payment platform that has been bound to the identity information of the target object;
[0127] A generating module 740, configured to generate a payment request according to a target amount and a payment account of a target payment platform;
[0128] The sending module 750 is used to send the payment request to the target payment platform to instruct the target payment platform to transfer the target amount from the payment account to the institutional account of the institution to which the target object belongs, and transfer the target amount from the institutional account to the public account of the institution to which the target object belongs through the financial institution.
[0129] In one embodiment of the present disclosure, the selection module 730 is used to select a target payment platform from at least one third-party payment platform that has been bound to the identity information of the target object, including:
[0130] Based on the identity information of the target object, the behavior characteristics of the target object are obtained; wherein the behavior characteristics are used to characterize the payment preference of the target object;
[0131] Obtaining response information from each third-party payment platform; wherein the response information is used to indicate the average response time of the third-party payment platform to the payment request;
[0132] Determine the target payment platform based on the behavioral characteristics of the target object and the response information of each third-party payment platform.
[0133] In one embodiment of the present disclosure, when the determination module 720 determines the target amount to be paid by the target object according to the resource usage data and the target payment standard, it includes:
[0134] Calculate the initial amount to be paid by the target object for using the terminal device this time based on the resource usage data and the target payment standard;
[0135] In response to the existence of historical payment information of the target object, the target amount is determined according to the initial amount and the historical payment information.
[0136] In one embodiment of the present disclosure, the determination module 720 is used to determine the target amount according to the initial amount and the historical payment information, including:
[0137] Query historical payment information to determine whether the target object has paid a historical amount to the institution's account, and obtain the query result; wherein the historical amount is the amount that the target object needs to pay to the institution's account when using the terminal device most recently;
[0138] If the query result indicates that the target object has paid the historical amount, the initial amount is used as the target amount that the target object needs to pay to the institution account using the terminal device this time;
[0139] If the query result indicates that the target object has not paid the historical amount, the target amount that the target object needs to pay to the institution's account for this use of the terminal device is determined based on the initial amount and the historical amount;
[0140] If the query result indicates that the target object has paid part of the historical amount, the remaining amount of the historical amount excluding the part is calculated;
[0141] Based on the remaining amount and the initial amount, determine the target amount that the target object needs to pay to the institutional account for this use of the terminal device.
[0142] In one embodiment of the present disclosure, the above-mentioned device further includes:
[0143] The control module is used to receive the biometric information collected by the terminal device and the device number of the terminal device, and determine the identity information of the target object based on the biometric information collected by the terminal device, and control the terminal device with the corresponding device number accordingly based on the identity information of the target object and the received control instruction.
[0144] In one embodiment of the present disclosure, when the control module is used to determine the identity information of the target object according to the biometric information collected by the terminal device, it includes:
[0145] Compare the biometric information collected by the terminal device with the pre-stored biometric information that has been associated with the respective identity information;
[0146] In response to the comparison result indicating that there is matching biometric information, the identity information associated with the matching biometric information is determined as the identity information of the target object.
[0147] In one embodiment of the present disclosure, when the control module is used to control the terminal device with the corresponding device number according to the identity information of the target object and the received control instruction, it includes:
[0148] According to the identity information of the target object, determine the target permissions that match the target object;
[0149] Determine the corresponding target control signal according to the target authority and control instructions;
[0150] The target control signal is sent to the terminal device with the corresponding device number to realize the control of the corresponding authority of the terminal device.
[0151] In one embodiment of the present disclosure, the sending module 750 is further configured to:
[0152] Receive the payment result fed back by the target payment platform, and send the payment result to the target object through the preset channel; the payment result includes resource usage data and target amount.
[0153] In one embodiment of the present disclosure, the control module is further configured to:
[0154] Query the historical usage data of the terminal device, and compare the resource usage data with the historical usage data to determine the change trend. According to the change trend, monitor the operating status of the terminal device, and control the switch status of the terminal device according to the monitoring results.
[0155] In one embodiment of the present disclosure, when the control module is used to control the switch state of the terminal device according to the monitoring result, it includes:
[0156] In response to the monitoring result indicating that the terminal device is operating abnormally, generating a shutdown control signal;
[0157] A shutdown control signal is sent to the terminal device to control the terminal device to shut down.
[0158] In one embodiment of the present disclosure, the biometric information includes:
[0159] Palmprint, fingerprint, face, iris and voiceprint.
[0160] The payment device of the embodiment of the present disclosure receives the resource usage data of the target object sent by the terminal device through the receiving module, determines the target payment standard that matches the identity information of the target object from multiple candidate payment standards through the determination module, and determines the target amount to be paid by the target object according to the resource usage data and the target payment standard, selects the target payment platform from at least one third-party payment platform that has been bound to the identity information of the target object through the selection module, generates a request to be paid according to the target amount and the account to be paid of the target payment platform through the generation module, and sends the request to be paid to the target payment platform through the sending module to instruct the target payment platform to transfer the target amount from the account to be paid to the institutional account of the institution to which the target object belongs, and transfers the target amount from the institutional account to the public account of the institution to which the target object belongs through the financial institution. The present disclosure realizes the connection of the expenses generated by resource use to the payment account of the target payment platform by combining biometric recognition with intelligent payment technology, and performs instant automatic payment, which not only significantly enhances the user experience, but also simplifies the transaction journey and improves management efficiency. At the same time, the fund flow mechanism of the third-party payment platform and the financial institution is integrated to ensure the rapid and safe transfer of funds.
[0161] In an exemplary embodiment, the present disclosure also provides an electronic device.
[0162] Among them, electronic equipment includes:
[0163] processor;
[0164] a memory for storing processor-executable instructions;
[0165] The processor is configured to execute instructions to implement the payment method proposed in any of the aforementioned embodiments.
[0166] As an example, Figure 8 is a schematic diagram of the structure of an electronic device 800 shown in an exemplary embodiment of the present disclosure, such as Figure 8 As shown, the electronic device 800 may further include:
[0167] The memory 810 and the processor 820, a bus 830 connecting different components (including the memory 810 and the processor 820), the memory 810 stores a computer program, and when the processor 820 executes the program, the payment method described in the embodiment of the present disclosure is implemented.
[0168] Bus 830 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor or a local bus using any of a variety of bus architectures. For example, these architectures include but are not limited to Industry Standard Architecture (ISA) bus, Micro Channel Architecture (MAC) bus, Enhanced ISA bus, Video Electronics Standards Association (VESA) local bus and Peripheral Component Interconnect (PCI) bus.
[0169] The electronic device 800 typically includes a variety of electronic device readable media. These media can be any available media that can be accessed by the electronic device 800, including volatile and non-volatile media, removable and non-removable media.
[0170] The memory 810 may also include computer system readable media in the form of volatile memory, such as random access memory (RAM) 840 and / or cache memory 850. The server 800 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 860 may be used to read and write non-removable, non-volatile magnetic media ( Figure 8 not shown, usually called a "hard drive"). Although Figure 8 Not shown, a disk drive for reading and writing to a removable non-volatile disk (e.g., a "floppy disk"), and an optical disk drive for reading and writing to a removable non-volatile optical disk (e.g., a CD-ROM, a DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to the bus 830 via one or more data medium interfaces. The memory 810 may include at least one program product having a set (e.g., at least one) of program modules that are configured to perform the functions of the various embodiments of the present disclosure.
[0171] A program / utility 880 having a set (at least one) of program modules 870 may be stored, for example, in the memory 810, such program modules 870 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment. The program modules 870 generally perform the functions and / or methods of the embodiments described in the present disclosure.
[0172] The electronic device 800 may also communicate with one or more external devices 890 (e.g., keyboard, pointing device, display 891, etc.), may also communicate with one or more devices that enable a user to interact with the electronic device 800, and / or may communicate with any device that enables the electronic device 800 to communicate with one or more other computing devices (e.g., network card, modem, etc.). Such communication may be performed via an input / output (I / O) interface 892. Furthermore, the electronic device 800 may also communicate with one or more networks (e.g., local area network (LAN), wide area network (WAN) and / or public network, such as the Internet) via a network adapter 893. As shown, the network adapter 893 communicates with other modules of the electronic device 800 via a bus 830. It should be understood that, although not shown in the figure, other hardware and / or software modules may be used in conjunction with the electronic device 800, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.
[0173] The processor 820 executes various functional applications and data processing by running the programs stored in the memory 810 .
[0174] It should be noted that the implementation process and technical principles of the electronic device of this embodiment refer to the aforementioned explanation of the payment method of the embodiment of the present disclosure, and will not be repeated here.
[0175] In an exemplary embodiment, a computer-readable storage medium including instructions is also provided, such as a memory including instructions, and the instructions can be executed by a processor of an electronic device to complete the payment method proposed in any of the above embodiments. Optionally, the computer-readable storage medium can be a ROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, etc.
[0176] In an exemplary embodiment, a computer program product is also provided, including a computer program / instruction, wherein the computer program / instruction implements the payment method proposed in any of the above embodiments when executed by a processor.
[0177] Those skilled in the art will readily appreciate other embodiments of the present disclosure after considering the specification and practicing the invention disclosed herein. The present disclosure is intended to cover any variations, uses or adaptations of the present disclosure that follow the general principles of the present disclosure and include common knowledge or customary techniques in the art that are not disclosed in the present disclosure. The description and examples are to be considered exemplary only, and the true scope and spirit of the present disclosure are indicated by the following claims.
[0178] It should be understood that the present disclosure is not limited to the exact structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.
Claims
1. A payment method, characterized in that: include: Receiving resource usage data of a target object sent by a terminal device; wherein the target object is an object whose identity information is confirmed based on biometric information collected by the terminal device; Determine a target payment standard that matches the identity information of the target object from a plurality of candidate payment standards, and determine a target amount to be paid by the target object based on the resource usage data and the target payment standard; Selecting a target payment platform from at least one third-party payment platform that has been bound to the identity information of the target object; Generate a payment request according to the target amount and the account to be paid on the target payment platform; The payment request is sent to the target payment platform to instruct the target payment platform to transfer the target amount from the account to be paid to the institutional account of the institution to which the target object belongs, and transfer the target amount from the institutional account to the public account of the institution to which the target object belongs through a financial institution.
2. The method according to claim 1, characterized in that The step of selecting a target payment platform from at least one third-party payment platform that has been bound to the identity information of the target object includes: Based on the identity information of the target object, obtaining the behavior characteristics of the target object; wherein the behavior characteristics are used to characterize the payment preference of the target object; Obtaining response information from each of the third-party payment platforms; wherein the response information is used to indicate the average response time of the third-party payment platform to the payment request; The target payment platform is determined based on the behavior characteristics of the target object and the response information of each of the third-party payment platforms.
3. The method according to claim 1, characterized in that The step of determining the target amount to be paid by the target object according to the resource usage data and the target payment standard includes: Calculating an initial amount to be paid by the target object for using the terminal device this time according to the resource usage data and the target payment standard; In response to the existence of historical payment information of the target object, the target amount is determined according to the initial amount and the historical payment information.
4. The method according to claim 3, characterized in that The step of determining the target amount according to the initial amount and the historical payment information includes: Query the historical payment information to determine whether the target object has paid a historical amount to the institution account, and obtain a query result; wherein the historical amount is the amount that the target object needs to pay to the institution account when using the terminal device most recently; If the query result indicates that the target object has paid the historical amount, the initial amount is used as the target amount that the target object needs to pay to the institution account when using the terminal device this time; If the query result indicates that the target object has not paid the historical amount, determining the target amount that the target object needs to pay to the institution account for using the terminal device this time according to the initial amount and the historical amount; If the query result indicates that the target object has paid part of the historical amount, then calculating the remaining amount of the historical amount except the part of the historical amount; The target amount that the target object needs to pay to the institution account for using the terminal device this time is determined according to the remaining amount and the initial amount.
5. The method according to claim 1, characterized in that Before receiving the resource usage data of the target object sent by the terminal device, the method further includes: Receiving biometric information collected by the terminal device and a device number of the terminal device; Determining the identity information of the target object according to the biometric information collected by the terminal device; According to the identity information of the target object and the received control instruction, the terminal device with the corresponding device number is controlled accordingly.
6. The method according to claim 5, characterized in that The step of determining the identity information of the target object according to the biometric information collected by the terminal device includes: Comparing the biometric information collected by the terminal device with pre-stored biometric information associated with respective identity information; In response to the comparison result indicating that there is matching biometric information, the identity information associated with the matching biometric information is determined as the identity information of the target object.
7. The method according to claim 5, characterized in that The controlling the terminal device with the corresponding device number according to the identity information of the target object and the received control instruction includes: Determining target permissions matching the target object according to the identity information of the target object; Determining a corresponding target control signal according to the target authority and the control instruction; The target control signal is sent to the terminal device with the corresponding device number to implement the control of the corresponding authority of the terminal device.
8. The method according to claim 1, characterized in that: The method further comprises: receiving a payment result fed back by the target payment platform; wherein the payment result includes the resource usage data and the target amount; The payment result is sent to the target object through a preset channel.
9. The method according to claim 1, characterized in that: The method further comprises: Querying historical usage data of the terminal device; Comparing the resource usage data with the historical usage data to determine a change trend; Monitoring the operation status of the terminal device according to the change trend; The switch state of the terminal device is controlled according to the monitoring result.
10. The method according to claim 9, characterized in that The controlling the switch state of the terminal device according to the monitoring result includes: In response to the monitoring result indicating that the terminal device is operating abnormally, generating a shutdown control signal; The shutdown control signal is sent to the terminal device to control the terminal device to shut down.
11. The method according to claim 1, characterized in that The biometric information includes: Palmprint, fingerprint, face, iris and voiceprint.
12. A payment device, characterized in that: include: A receiving module, configured to receive resource usage data of a target object sent by a terminal device; wherein the target object is an object whose identity information is confirmed based on biometric information collected by the terminal device; A determination module, configured to determine a target payment standard that matches the identity information of the target object from a plurality of candidate payment standards, and determine a target amount to be paid by the target object according to the resource usage data and the target payment standard; A selection module, used to select a target payment platform from at least one third-party payment platform that has been bound to the identity information of the target object; A generating module, used for generating a payment request according to the target amount and the account to be paid of the target payment platform; A sending module is used to send the payment request to the target payment platform to instruct the target payment platform to transfer the target amount from the account to be paid to the institutional account of the institution to which the target object belongs, and to transfer the target amount from the institutional account to the public account of the institution to which the target object belongs through a financial institution.
13. An electronic device, characterized in that: include: processor; a memory for storing instructions executable by the processor; The processor is configured to execute the instructions to implement the payment method as described in any one of claims 1 to 11.
14. A computer-readable storage medium, when instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device is enabled to execute the payment method as claimed in any one of claims 1 to 11.
15. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the payment method according to any one of claims 1 to 11 is implemented.