Micro-payment settlement method, system and device and storage medium

Abstract

The embodiment of the invention discloses a micropayment settlement method, system and device and a storage medium, and the method comprises the steps: obtaining multiple pieces of micropayment information, carrying out the account updating of a first temporary account of a user side according to the multiple pieces of micropayment information, and obtaining the balance of the first temporary account; the second temporary account of the merchant side performs account updating according to the multiple pieces of small payment information to obtain the balance of the second temporary account, so that the account balance is updated when the user performs settlement; and the settlement end settles the first account balance of the user end according to the multiple pieces of micropayment information in a second preset time period to obtain a third account balance, and the settlement end settles the second account balance of the merchant end according to the multiple pieces of micropayment information in the second preset time period to obtain a fourth account balance, thereby realizing delayed settlement. The peak load of the payment system is obviously reduced, the overall performance of the system is improved, delay of the payment system in the transaction peak period is avoided, and the transaction experience of a user is improved.

Description

[Technical field]

[0001] The present invention relates to the field of financial payment settlement, and in particular to a small amount payment settlement method, system, device and storage medium. [Background technology]

[0002] Although existing blockchain payments provide a decentralized solution, the mining fees or network fees generated during peak transaction periods may be very high. When the number of transactions is too large, the blockchain payment system may also experience delays during peak transaction periods, resulting in a poor transaction experience for users. [Summary of the invention]

[0003] In view of this, the present invention provides a small amount payment settlement method, system, device and storage medium.

[0004] The specific technical scheme of the first embodiment of the present invention is: a small payment settlement method, applied to a payment system, the payment system includes a user end, a merchant end, a payment service provider end and a settlement end, the user end sets a first temporary account, the merchant end sets a second temporary account, the payment service provider end is used to provide payment services for the user end and the merchant end, and the settlement end is used to provide settlement services for the user end and the settlement end, the method includes: obtaining multiple small payment information initiated by the user end within a first preset time period; the small payment information is payment information with a payment amount less than a first preset threshold; sending the multiple small payment information to the merchant end and the settlement end; the first temporary account of the user end is updated according to the multiple small payment information to obtain a first temporary account balance, and the first temporary account is displayed on the user end account balance; the first temporary account balance is the difference between the first account balance of the user terminal before payment and the multiple small payment information; the second temporary account of the merchant terminal is updated according to the multiple small payment information to obtain a second temporary account balance, and the second temporary account balance is displayed on the merchant terminal; the second temporary account balance is the sum of the second account balance of the merchant terminal before payment and the multiple small payment information; the settlement terminal settles the first account balance of the user terminal according to the multiple small payment information within the second preset time period to obtain a third account balance; the third account balance is the same as the first temporary account balance; the settlement terminal settles the second account balance of the merchant terminal according to the multiple small payment information within the second preset time period to obtain a fourth account balance; the fourth account balance is the same as the second temporary account balance.

[0005] Preferably, the second preset time period is a time period in which the number of small-amount payment information received by the payment service provider per hour is less than a second preset threshold.

[0006] Preferably, the settlement end settles the first account balance of the user end according to the multiple small payment information within a second preset time period, including: the settlement end aggregates the multiple small payment information to obtain a total payment amount; the total payment amount is the sum of the payment amounts of the multiple small payment information; and the first account balance of the user end is settled using the total payment amount.

[0007] Preferably, after obtaining the multiple small-amount payment information initiated by the user terminal within the first preset time period, it also includes: using zero-knowledge proof technology to verify the validity of the target small-amount payment information; the target small-amount payment information is any one of the multiple small-amount payment information; if the verification result of the validity of the target small-amount payment information is verification passed, the target small-amount payment information is sent to the merchant terminal and the settlement terminal; if the verification result of the validity of the target small-amount payment information is verification failed, the payment service provider terminal issues an abnormal alarm.

[0008] Preferably, the method also includes: when the amount of small-value payment information acquired by the user terminal within a first preset time period is equal to a preset third threshold, the user terminal stops acquiring the small-value payment information and sends all the acquired small-value payment information to the merchant terminal and the settlement terminal, and then the user terminal clears the acquired small-value payment information and re-acquires the small-value payment information.

[0009] Preferably, the settlement end settles the first account balance of the user end through a bank account or a blockchain network.

[0010] Preferably, the user end and the merchant end exchange data of small payment information with the payment service provider through an API data interface.

[0011] The specific technical scheme of the second embodiment of the present invention is: a small-amount payment settlement system, characterized in that the system includes: a small-amount payment information acquisition module, an information transmission module, a first updating module, a second updating module, a first settlement module and a second settlement module; the small-amount payment information acquisition module is used to obtain multiple small-amount payment information initiated by the user terminal within a first preset time period; the small-amount payment information is payment information with a payment amount less than a first preset threshold; the information transmission module is used to send the multiple small-amount payment information to the merchant terminal and the settlement terminal; the first updating module is used to update the first temporary account of the user terminal according to the multiple small-amount payment information to obtain a first temporary account balance, and display the first temporary account balance on the user terminal; the first temporary account balance is the difference between the first account balance of the user terminal before payment and The difference between the multiple small payment information; the second update module is used to update the second temporary account of the merchant end according to the multiple small payment information to obtain a second temporary account balance, and display the second temporary account balance on the merchant end; the second temporary account balance is the sum of the second account balance of the merchant end before payment and the multiple small payment information; the first settlement module is used to enable the settlement end to settle the first account balance of the user end according to the multiple small payment information within a second preset time period, and obtain a third account balance; the third account balance is the same as the first temporary account balance; the second settlement module is used to enable the settlement end to settle the second account balance of the merchant end according to the multiple small payment information within a second preset time period, and obtain a fourth account balance; the fourth account balance is the same as the second temporary account balance.

[0012] The specific technical solution of the third embodiment of the present invention is: a small-value payment settlement device, comprising a memory and a processor, the memory storing a computer program, and when the computer program is executed by the processor, the processor executes the steps of the method described in any one of the first embodiments of the present application.

[0013] The specific technical solution of the fourth embodiment of the present invention is: a computer-readable storage medium storing a computer program, which, when executed by a processor, enables the processor to perform the steps of the method described in any one of the first embodiments of the present application.

[0014] Implementing the embodiments of the present invention will have the following beneficial effects:

[0015] The present invention obtains information of multiple small-amount payments initiated by a user terminal within a first preset time period; and updates a first temporary account of the user terminal according to the multiple small-amount payment information to obtain a first temporary account balance, and updates a second temporary account of the merchant terminal according to the multiple small-amount payment information to obtain a second temporary account balance, thereby enabling the user to update the account balance when performing settlement; the settlement terminal settles the first account balance of the user terminal according to the multiple small-amount payment information within a second preset time period to obtain a third account balance, and the settlement terminal settles the second account balance of the merchant terminal according to the multiple small-amount payment information within the second preset time period to obtain a fourth account balance, thereby achieving delayed settlement, significantly reducing the peak load of the payment system, improving the overall performance of the system, avoiding delays in the payment system during peak transaction periods, and enhancing the user's transaction experience.

Brief Description of the Drawings

[0016] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0017] Figure 1 A flowchart of the steps of a small amount payment settlement method;

[0018] Figure 2 A structural diagram of a small-amount payment settlement system

[0019] Figure 3 A diagram of the internal structure of a computer device;

[0020] Among them, 201, small payment information acquisition module; 202, information transmission module; 203, first update module; 204, second update module; 205, first settlement module; 206, second settlement module. [Specific implementation method]

[0021] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0022] The terms "first", "second", etc. in the specification, claims and drawings of this application are used to distinguish different objects, rather than to describe a specific order. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps or modules is not limited to the listed steps or modules, but optionally includes steps or modules that are not listed, or optionally includes other steps or modules that are inherent to these processes, methods, products or devices.

[0023] Reference to "embodiments" herein means that a particular feature, structure, or characteristic described in conjunction with the embodiments may be included in at least one embodiment of the present application. The appearance of the phrase in various locations in the specification does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

[0024] See also Figure 1 , is a flowchart of a small amount payment settlement method in the first embodiment of the present application, which is applied to a payment system, wherein the payment system includes a user end, a merchant end, a payment service provider end and a settlement end, wherein the user end sets a first temporary account, the merchant end sets a second temporary account, the payment service provider end is used to provide payment services for the user end and the merchant end, and the settlement end is used to provide settlement services for the user end and the settlement end, which can avoid delays in the payment system during peak transaction periods, and the method includes:

[0025] Step 101: obtaining information about a plurality of small-amount payments initiated by the user terminal within a first preset time period; the small-amount payment information is payment information in which the payment amount is less than a first preset threshold;

[0026] Specifically, information about n small payments initiated by the user terminal during peak hours (such as working hours) is obtained; wherein the first preset threshold can be set according to actual conditions, such as 100 yuan or 500 yuan;

[0027] Step 102: sending the plurality of small-amount payment information to the merchant terminal and the settlement terminal;

[0028] Specifically, the obtained n small payment information is sent to the merchant end and the settlement end; the content contained in the small payment information can be set according to the actual situation, such as payment amount, payment account number, payment time, etc.;

[0029] Step 103: The first temporary account of the user terminal is updated according to the multiple small-amount payment information to obtain a first temporary account balance, and the first temporary account balance is displayed on the user terminal; the first temporary account balance is the difference between the first account balance of the user terminal before payment and the multiple small-amount payment information;

[0030] Step 104: the second temporary account of the merchant terminal is updated according to the multiple small-amount payment information to obtain a second temporary account balance, and the second temporary account balance is displayed on the merchant terminal; the second temporary account balance is the sum of the second account balance of the merchant terminal before payment and the multiple small-amount payment information;

[0031] Specifically, the temporary account is a virtual account, and the balance of the temporary account is the same as the balance of the user's bank card. When making a transaction payment, the amount of the temporary account is first settled according to the amount of the small payment information, so there is no need to settle the account. However, the account balance displayed by the user is the amount after the transaction, so as to ensure that the balance seen by the user is the balance after the transaction;

[0032] Step 105: the settlement terminal settles the first account balance of the user terminal according to the multiple small payment information within a second preset time period to obtain a third account balance; the third account balance is the same as the first temporary account balance;

[0033] Step 106: the settlement end settles the second account balance of the merchant end according to the multiple small payment information within the second preset time period to obtain a fourth account balance; the fourth account balance is the same as the second temporary account balance;

[0034] In a specific embodiment, the second preset time is usually set during a non-transaction peak period, such as between 0:00 and 4:00 in the morning; settlement is performed between the user end and the merchant end during the second preset time period, thereby avoiding delays in the payment system during transaction peak periods.

[0035] The method in this embodiment obtains multiple small-amount payment information initiated by the user end within a first preset time period; and updates the first temporary account of the user end according to the multiple small-amount payment information to obtain a first temporary account balance, and updates the second temporary account of the merchant end according to the multiple small-amount payment information to obtain a second temporary account balance, so that the user can update the account balance when settling; the settlement end settles the first account balance of the user end according to the multiple small-amount payment information within the second preset time period to obtain a third account balance, and the settlement end settles the second account balance of the merchant end according to the multiple small-amount payment information within the second preset time period to obtain a fourth account balance, thereby achieving delayed settlement, significantly reducing the peak load of the payment system, improving the overall performance of the system, avoiding delays in the payment system during peak transaction periods, and improving the user's transaction experience.

[0036] In a specific embodiment, the second preset time period is a time period when the number of small-amount payment information received per hour by the payment service provider is less than a second preset threshold. Specifically, the second preset threshold can be set according to actual conditions, such as a time period when the number of small-amount payment information received per hour is less than 100 times, etc., which is set as the second preset time period.

[0037] In a specific embodiment, the settlement end settles the first account balance of the user end according to the multiple small payment information within a second preset time period, including: the settlement end aggregates the multiple small payment information to obtain a total payment amount; the total payment amount is the sum of the payment amounts of the multiple small payment information; and the first account balance of the user end is settled using the total payment amount.

[0038] Specifically, if 10 small-amount payment information are summarized, and the payment amount of each small-amount payment information is 10 yuan, the total payment amount is 100 yuan; the total payment amount is used to settle the account balances of the user and merchant ends.

[0039] In a specific embodiment, after obtaining multiple small-amount payment information initiated by the user terminal within a first preset time period, it also includes: using zero-knowledge proof technology to verify the validity of the target small-amount payment information; the target small-amount payment information is any one of the multiple small-amount payment information; if the verification result of the validity of the target small-amount payment information is verification passed, the target small-amount payment information is sent to the merchant terminal and the settlement terminal; if the verification result of the validity of the target small-amount payment information is verification failed, the payment service provider terminal issues an abnormal alarm.

[0040] Specifically, by verifying the validity of each small payment information, the security of user and merchant property is ensured.

[0041] In a specific embodiment, the method also includes: when the amount of small-value payment information obtained by the user terminal within a first preset time period is equal to a preset third threshold, the user terminal stops obtaining the small-value payment information and sends all the obtained small-value payment information to the merchant terminal and the settlement terminal, and then the user terminal clears the obtained small-value payment information and re-acquires the small-value payment information.

[0042] Specifically, when the number of small-value payment information occurring within the first preset time period is large, when the number reaches a third threshold, the small-value payment information of the third threshold obtained is sent to the merchant end and the settlement end for settlement, and the small-value payment information continues to be obtained.

[0043] In a specific embodiment, the settlement end settles the balance of the first account of the user end through a bank account or a blockchain network. Specifically, bank account settlement is extremely convenient. Through electronic means, funds can be quickly transferred, greatly shortening the transaction cycle. In addition, bank accounts are widely used, covering almost all economic transaction scenarios. The blockchain network does not require a centralized trust agency to maintain the security and credibility of transactions, which reduces the risk of single point failure of the system and improves the stability and reliability of the system.

[0044] In a specific embodiment, the user end and the merchant end exchange data of small payment information with the payment service provider end through an API data interface. API allows automatic data exchange between different systems without human intervention, thereby greatly improving the efficiency and speed of data processing. Automated data exchange reduces errors and delays because the system can update and synchronize data in real time or near real time.

[0045] Specifically, the method in this embodiment implements small-amount payments by only performing formal payments during busy business hours, and performing actual account settlement during system idle hours, thereby reducing payment costs and server peak bottlenecks.

[0046] Specifically, the specific embodiments of the method in the embodiments of the present application are:

[0047] 1. System composition:

[0048] 1. Client application:

[0049] User-side applications (such as mobile apps).

[0050] Merchant application (for receiving payments).

[0051] 2. Payment Service Provider:

[0052] The backend system of the payment service provider.

[0053] Payment gateway.

[0054] 3. Bank or blockchain network:

[0055] A bank account or blockchain network for final settlement.

[0056] System implementation process

[0057] 1. Initialization phase

[0058] User registration:

[0059] The user registers an account in the client application.

[0060] Users bind bank cards or cryptocurrency wallets.

[0061] Merchant Registration:

[0062] Merchants register accounts in the client application.

[0063] Merchants set up payment addresses or accounts.

[0064] 2. Small amount payment preparation stage

[0065] Setting thresholds:

[0066] ·Users and merchants set single and daily limits for small payments. ·Set system idle time periods, usually late at night.

[0067] Account initialization:

[0068] · Initialize the user and merchant accounts in the payment service provider's system. · Set temporary account balances for the user and merchant.

[0069] 3. Small amount payment initiation stage

[0070] Payment Initiation:

[0071] ·Users initiate small payments to merchants through client applications.

[0072] The payment amount is within the set single transaction limit.

[0073] Form of payment:

[0074] The system records small amount payment information but does not immediately settle the account.

[0075] · The temporary account balances of users and merchants are updated.

[0076] 4. Small payment record stage

[0077] Recording small payments:

[0078] Payment service providers record small payment information.

[0079] The records include payment amount, payment time and other information.

[0080] Accumulated small payments:

[0081] Accumulate small payments throughout the day until the daily cumulative limit is reached.

[0082] The accumulated small amount payment information is counted in the payment service provider’s system.

[0083] 5. Small amount payment settlement stage

[0084] Settlement time:

[0085] Start settling small payments during set system idle periods.

[0086] For example, between 0:00 and 4:00 in the morning.

[0087] Batch processing:

[0088] Payment service providers aggregate small payments made during the day into one or more transactions.

[0089] Use techniques such as zero-knowledge proofs to verify the validity of transactions.

[0090] Final Settlement:

[0091] Final settlement is done through a bank account or blockchain network.

[0092] The actual account balances of users and merchants are updated.

[0093] Bill verification:

[0094] Users and merchants can view summary bills of small payments.

[0095] Confirm the final settlement results of small amount payments.

[0096] 6. Exception handling phase

[0097] ·Over-limit processing:

[0098] If the small amount payment exceeds the single or daily cumulative limit, the account settlement will be carried out immediately.

[0099] Small payments exceeding the limit will be processed according to normal procedures.

[0100] Refund Processing:

[0101] If a refund occurs, the payment service provider records the refund information and makes an adjustment during the next settlement.

[0102] Refund information is also processed during system idle time.

[0103] The specific process of refund is as follows:

[0104] 1. The user initiates a refund request

[0105] User-initiated refund: The user initiates a refund request on the client and submits the refund reason and related information.

[0106] Refund request record: The payment service provider records the user's refund request, including refund amount, refund reason and other information.

[0107] 2. Payment service provider processes refund request

[0108] Verify refund request: The payment service provider verifies the validity of the refund request, including checking order status, verifying user identity, etc.

[0109] Generate refund instructions: After verification, the payment service provider generates a refund instruction and records the refund information.

[0110] 3. Temporary account intervention

[0111] Temporary Account: To ensure the security of the refund process, a temporary account can be used to temporarily store the refund funds.

[0112] Transfer to a temporary account: The payment service provider transfers the refund amount from the user account or merchant account to a temporary account.

[0113] 4. Refund information is sent to the merchant

[0114] Send refund information: The payment service provider sends the refund information to the merchant to notify the merchant that a refund is about to take place.

[0115] Merchant confirms refund: After receiving the refund information, the merchant confirms the rationality of the refund.

[0116] 5. The merchant confirms the refund

[0117] Merchant confirmation: After the merchant confirms that the refund request is reasonable, it agrees to refund.

[0118] Refund instruction confirmation: After receiving the merchant's confirmation information, the payment service provider confirms the refund instruction.

[0119] 6. Actual refund processing

[0120] Actual refund: During the idle period of the system, the payment service provider actually returns the refund amount to the user from the temporary account.

[0121] Update account balance: The payment service provider updates the user's account balance to ensure that the refund amount is correctly received.

[0122] Record transaction information: The payment service provider records the actual refund transaction information to ensure clear accounts.

[0123] In the specific embodiments, see Figure 2 , is a structural diagram of a small-amount payment settlement system provided in the second embodiment of the present application, the system comprising: a small-amount payment information acquisition module 201, an information transmission module 202, a first update module 203, a second update module 204, a first settlement module 205 and a second settlement module 206; the small-amount payment information acquisition module 201 is used to acquire multiple small-amount payment information initiated by the user terminal within a first preset time period; the small-amount payment information is payment information whose payment amount is less than a first preset threshold; the information transmission module 202 is used to send the multiple small-amount payment information to the merchant terminal and the settlement terminal; the first update module 203 is used to update the first temporary account of the user terminal according to the multiple small-amount payment information to obtain a first temporary account balance, and display the first temporary account balance on the user terminal; the first temporary account balance is the balance of the user terminal before payment The difference between the first account balance and the multiple small payment information; the second update module 204 is used to update the second temporary account of the merchant end according to the multiple small payment information to obtain a second temporary account balance, and display the second temporary account balance on the merchant end; the second temporary account balance is the sum of the second account balance of the merchant end before payment and the multiple small payment information; the first settlement module 205 is used to enable the settlement end to settle the first account balance of the user end according to the multiple small payment information within a second preset time period to obtain a third account balance; the third account balance is the same as the first temporary account balance; the second settlement module 206 is used to enable the settlement end to settle the second account balance of the merchant end according to the multiple small payment information within a second preset time period to obtain a fourth account balance; the fourth account balance is the same as the second temporary account balance.

[0124] Technical implementation details

[0125] 1. Client application:

[0126] User-side and merchant-side applications need to support the initiation and recording of small payments.

[0127] The application needs to synchronize data with the payment service provider’s backend system.

[0128] 2. Payment Service Provider:

[0129] The backend system needs to support the functions of small payment recording, statistics and final settlement.

[0130] The backend system needs to be able to handle refunds and other exceptions.

[0131] 3. Bank or blockchain network:

[0132] Bank accounts or blockchain networks are used for final settlement.

[0133] Need to support batch transactions and exception handling.

[0134] 4. Batch processing technology:

[0135] Use batch processing technology to aggregate small payment information and reduce the number of transactions on the chain.

[0136] Use zero-knowledge proof technology to verify the validity of each small payment. Technical Effect

[0137] Reduce costs:

[0138] Reduce transaction costs by performing final settlement during system idle periods.

[0139] Reduce the number of on-chain transactions and lower transaction fees.

[0140] Improved efficiency:

[0141] Improve the processing speed of small payments through batch processing technology.

[0142] Reduce the peak load of the payment system and improve the overall performance of the system.

[0143] Enhanced security:

[0144] Zero-knowledge proof technology can ensure the validity of small payments while protecting user privacy. Improve user experience:

[0145] Users can enjoy faster and more economical small payment services.

[0146] The application functions of different ports are:

[0147] 1. User-side application

[0148] ·Function:

[0149] User registration and login.

[0150] Initiate small payments.

[0151] View payment records.

[0152] Set payment limits.

[0153] ·accomplish:

[0154] User-side applications need to support the initiation and recording of small payments.

[0155] The application needs to synchronize data with the payment service provider’s backend system.

[0156] 2. Merchant Application

[0157] ·Function:

[0158] Merchant registration and login.

[0159] Receive small payments.

[0160] View payment records.

[0161] Set payment limits.

[0162] ·accomplish:

[0163] Merchant applications need to support the reception and recording of small payments.

[0164] The application needs to synchronize data with the payment service provider’s backend system.

[0165] 3. Payment service provider backend

[0166] ·Function:

[0167] ·Account management for users and merchants.

[0168] Records and statistics of small payments.

[0169] Initiation of final settlement.

[0170] Exception handling.

[0171] ·accomplish:

[0172] The backend system needs to support the functions of small payment recording, statistics and final settlement. The backend system needs to be able to handle refunds and other abnormal situations.

[0173] 4. Batch processing module

[0174] ·Function:

[0175] Aggregate small payment information.

[0176] Use zero-knowledge proof technology to verify the validity of each micropayment.

[0177] Batch process small payment information to reduce the number of transactions on the chain.

[0178] ·accomplish:

[0179] The batch processing module is responsible for collecting and aggregating small payment transactions.

[0180] Use zero-knowledge proof technology to verify the legitimacy of each micropayment.

[0181] When the batch reaches a certain size, the total amount will be uploaded to the chain at one time.

[0182] 5. Settlement module

[0183] ·Function:

[0184] Final settlement is carried out during the system idle period.

[0185] Update the actual account balances of users and merchants.

[0186] ·accomplish:

[0187] The settlement module is responsible for the final settlement of small payments during the system's idle period.

[0188] Final settlement is done through a bank account or blockchain network.

[0189] The actual account balances of users and merchants are updated.

[0190] 6. Exception handling module

[0191] ·Function:

[0192] Over-limit handling.

[0193] Refund processing.

[0194] ·Handling of other abnormal situations.

[0195] ·accomplish:

[0196] ·The exception handling module is responsible for handling small payments that exceed the limit and immediately settle the accounts. ·Handle refunds and ensure that the refund information is adjusted at the next settlement.

[0197] Handle other abnormal situations that may arise.

[0198] 7. Data Analysis Module

[0199] ·Function:

[0200] Monitor system load.

[0201] Analyze small payment patterns.

[0202] Optimize system configuration.

[0203] ·accomplish:

[0204] The data analysis module is responsible for monitoring system load and analyzing micropayment patterns.

[0205] Optimize system configuration and improve system efficiency based on analysis results.

[0206] Support decision making, such as adjusting small payment limits and optimizing settlement times.

[0207] Collaboration between functional modules

[0208] 1. User-side application and payment service provider backend:

[0209] The user application exchanges data with the payment service provider backend through the API.

[0210] After the user initiates a small payment request, the backend system records the transaction information.

[0211] 2. Merchant application and payment service provider backend:

[0212] The merchant application exchanges data with the payment service provider backend through the API.

[0213] After the merchant receives the small amount payment, the backend system records the payment information.

[0214] 3. Payment service provider backend and batch processing module:

[0215] The payment service provider backend passes the small payment information to the batch processing module.

[0216] The batch processing module aggregates small payment information and uses zero-knowledge proof technology to verify the validity of transactions.

[0217] 4. Batch processing module and settlement module:

[0218] The batch processing module passes the aggregated small payment information to the settlement module.

[0219] The settlement module performs final settlement during the system idle period.

[0220] 5. Payment service provider backend and exception handling module:

[0221] The payment service provider backend passes the exception to the exception handling module.

[0222] The exception handling module is responsible for handling over-limit payment, refunds, etc.

[0223] 6. Data analysis module and payment service provider backend:

[0224] The data analysis module monitors system load and analyzes micropayment patterns.

[0225] Based on the analysis results, the backend system adjusts the small payment limit and optimizes the settlement time.

[0226] The small amount payment settlement method provided in this application has the following technical advances and beneficial effects:

[0227] Technological advancements:

[0228] 1. Application of batch processing technology:

[0229] Through batch processing technology, multiple small payments are merged into a larger transaction for processing, which significantly reduces the number of transactions on the chain and reduces transaction costs.

[0230] The use of zero-knowledge proof technology to verify the validity of each micropayment ensures the security and privacy of transactions.

[0231] 2. Delayed settlement mechanism:

[0232] Through the delayed settlement mechanism, final settlement is performed during the system idle period, avoiding the payment of high transaction fees during busy business hours.

[0233] This mechanism can significantly reduce the peak load of the payment system and improve the overall performance of the system.

[0234] 3. Zero-knowledge proof technology:

[0235] The application of zero-knowledge proof technology ensures the effectiveness of small payments while protecting user privacy.

[0236] Through zero-knowledge proof, the validity of the transaction can be verified without revealing the specific transaction amount, which enhances the security of the system.

[0237] 4. System optimization:

[0238] · By optimizing the processing of small payments, efficient use of system resources is achieved.

[0239] Through data analysis and exception handling modules, the system configuration can be continuously optimized to improve the stability and reliability of the system.

[0240] 5. Payment system design:

[0241] The design of the micropayment system takes into account payment costs, system load, security and other aspects, and achieves a relatively comprehensive optimization.

[0242] Beneficial effects:

[0243] 1. Reduce transaction costs:

[0244] The transaction cost of each small payment is greatly reduced through batch processing and delayed settlement mechanisms.

[0245] Reduce the number of on-chain transactions and lower the transaction fees of the blockchain network.

[0246] 2. Improve system performance:

[0247] By performing settlement during idle periods, high load pressure on the payment system during peak business hours is avoided.

[0248] Reduced the peak load of the payment system and improved the overall processing capacity of the system.

[0249] 3. Enhanced security and privacy protection:

[0250] Use zero-knowledge proof technology to verify the validity of transactions while protecting user privacy.

[0251] Ensures the security of small payments and enhances users’ trust in the payment system.

[0252] 4. Improve user experience:

[0253] Users can enjoy faster and more economical small-amount payment services.

[0254] Users do not have to worry about the high cost of small payments, which improves the availability and convenience of small payments.

[0255] 5. Support business expansion:

[0256] The micropayment system is designed to support more users and transaction volumes, helping business expansion and development.

[0257] ·Provide strong support for business growth by optimizing payment processes and reducing transaction costs.

[0258] In a specific embodiment, the third embodiment of the present application provides a small-value payment settlement device, including a memory and a processor, the memory storing a computer program, and when the computer program is executed by the processor, the processor executes the steps of the method described in any one of the first embodiments of the present application.

[0259] In a specific embodiment, the fourth embodiment of the present application provides a computer-readable storage medium storing a computer program. When the computer program is executed by a processor, the processor executes the steps of the method as described in any one of the first embodiments of the present application.

[0260] Figure 3 The internal structure of a computer device in one embodiment is shown. The computer device can be a terminal or a server. Figure 3 The computer device includes a processor, a memory, etc. connected via a system bus. The memory includes a non-volatile storage medium and an internal memory. The non-volatile storage medium of the computer device stores an operating system and may also store a computer program. When the computer program is executed by the processor, the processor can implement the method in this embodiment. The internal memory may also store a computer program. When the computer program is executed by the processor, the processor can implement the method in this embodiment. Those skilled in the art can understand that Figure 3 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.

[0261] The above 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 modifications 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.

[0262] The above description is only a preferred embodiment of the present invention and does not limit the present invention in other forms. Any technician familiar with the profession may use the technical content disclosed above to change or modify it into an equivalent embodiment with equivalent changes and apply it to other fields. However, any simple modification, equivalent change and modification made to the above embodiment based on the technical essence of the present invention without departing from the content of the technical solution of the present invention still falls within the protection scope of the technical solution of the present invention.

Claims

1. A small amount payment settlement method, applied to a payment system, the payment system comprising a user end, a merchant end, a payment service provider end and a settlement end, the user end sets a first temporary account, the merchant end sets a second temporary account, the payment service provider end is used to provide payment services for the user end and the merchant end, and the settlement end is used to provide settlement services for the user end and the settlement end, characterized in that: The method comprises: Acquire multiple small-amount payment information initiated by the user terminal within a first preset time period; the small-amount payment information is payment information with a payment amount less than a first preset threshold; Sending the multiple small-amount payment information to the merchant terminal and the settlement terminal; The first temporary account of the user terminal is updated according to the multiple small-amount payment information to obtain a first temporary account balance, and the first temporary account balance is displayed on the user terminal; the first temporary account balance is the difference between the first account balance of the user terminal before payment and the multiple small-amount payment information; The second temporary account of the merchant terminal updates the account according to the multiple small-amount payment information to obtain a second temporary account balance, and displays the second temporary account balance on the merchant terminal; the second temporary account balance is the sum of the second account balance of the merchant terminal before payment and the multiple small-amount payment information; The settlement end settles the first account balance of the user end according to the plurality of small payment information within a second preset time period to obtain a third account balance; the third account balance is the same as the first temporary account balance; The settlement end settles the second account balance of the merchant end according to the multiple small payment information within a second preset time period to obtain a fourth account balance; the fourth account balance is the same as the second temporary account balance.

2. The small amount payment settlement method according to claim 1, characterized in that: The second preset time period is a time period in which the number of small-amount payment information received by the payment service provider per hour is less than a second preset threshold.

3. The small amount payment settlement method according to claim 1, characterized in that: The settlement end settles the first account balance of the user end according to the plurality of small payment information within a second preset time period, including: The settlement terminal aggregates the multiple small-amount payment information to obtain a total payment amount; the total payment amount is the sum of the payment amounts of the multiple small-amount payment information; The first account balance of the user terminal is settled using the total payment amount.

4. The small amount payment settlement method according to claim 1, characterized in that: After obtaining information of a plurality of small-amount payments initiated by the user terminal within the first preset time period, the method further includes: Using zero-knowledge proof technology to verify the validity of the target small-amount payment information; the target small-amount payment information is any small-amount payment information among the multiple small-amount payment information; If the verification result of the validity of the target small-amount payment information is that the verification is passed, the target small-amount payment information is sent to the merchant terminal and the settlement terminal; If the verification result of the validity of the target small-amount payment information is failure to pass the verification, the payment service provider will issue an abnormal alarm.

5. The small amount payment settlement method according to claim 1, characterized in that: The method further comprises: When the amount of small-value payment information acquired by the user terminal within the first preset time period is equal to a preset third threshold, the user terminal stops acquiring small-value payment information and sends all acquired small-value payment information to the merchant terminal and the settlement terminal, and then the user terminal clears the acquired small-value payment information and re-acquires the small-value payment information.

6. The small amount payment settlement method according to claim 1, characterized in that: The settlement end settles the first account balance of the user end through a bank account or a blockchain network.

7. The small amount payment settlement method according to claim 1, characterized in that: The user end and the merchant end exchange data of small payment information with the payment service provider end through the API data interface.

8. A small amount payment settlement system, characterized in that: The system comprises: a small amount payment information acquisition module, an information transmission module, a first updating module, a second updating module, a first settlement module and a second settlement module; The small amount payment information acquisition module is used to acquire information about multiple small amount payments initiated by the user terminal within a first preset time period; the small amount payment information is payment information with a payment amount less than a first preset threshold; The information transmission module is used to send the multiple small payment information to the merchant terminal and the settlement terminal; The first updating module is used to update the first temporary account of the user terminal according to the multiple small payment information to obtain a first temporary account balance, and display the first temporary account balance on the user terminal; the first temporary account balance is the difference between the first account balance of the user terminal before payment and the multiple small payment information; The second updating module is used to update the second temporary account of the merchant terminal according to the multiple small payment information to obtain a second temporary account balance, and display the second temporary account balance on the merchant terminal; the second temporary account balance is the sum of the second account balance of the merchant terminal before payment and the multiple small payment information; The first settlement module is used to enable the settlement terminal to settle the first account balance of the user terminal according to the multiple small payment information within a second preset time period to obtain a third account balance; the third account balance is the same as the first temporary account balance; The second settlement module is used to enable the settlement end to settle the second account balance of the merchant end according to the multiple small payment information within a second preset time period to obtain a fourth account balance; the fourth account balance is the same as the second temporary account balance.

9. A small amount payment settlement device, comprising a memory and a processor, characterized in that: The memory stores a computer program, and when the computer program is executed by the processor, the processor is caused to perform the steps of the method according to any one of claims 1 to 7.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the processor is caused to perform the steps of the method according to any one of claims 1 to 7.

Images