Payment management method and device, electronic equipment, readable storage medium and chip

Abstract

The embodiment of the invention provides a payment management method and device, electronic equipment, a readable storage medium and a chip, and the method comprises the steps: receiving a payment request submitted by a first user; determining wallet account data and commodity transaction information of at least one wallet account corresponding to the payment request; determining an account file rule corresponding to the first user according to the wallet account data and the commodity transaction information; determining a trial payment combination mode of the at least one wallet account according to the account file rule; and determining a multi-account trial payment bill corresponding to the first user according to the trial payment combination mode. Through the scheme of the invention, the application range and the account attribute of the wallet account are set, the to-be-paid commodity list is pre-calculated, the current optimal wallet account plan is analyzed according to the member wallet account configuration, and the balance of multiple accounts under the name of the user is effectively managed, so that the actual expenditure and the selection time of the user are reduced, and the member stickiness and the user experience are improved.

Description

Technical Field

[0001] The present invention relates to the field of Internet payment technology, and in particular to a payment management method, device, electronic device, readable storage medium and chip. Background Art

[0002] At present, enterprises will choose to formulate unified member management strategies for member users, and establish a platform for unified and centralized management of online (e-commerce platforms, B2C malls) and offline retail members. In the process of processing consumption scenarios, B2C malls, offline stores, wallet account attributes, applicable products and other dimensions are provided as matching basis, and restrictions and matching deductions are used as target results to match the optimal balance deduction for multiple products in payment orders. However, in actual user consumption scenarios, common Internet payments or payment methods where the actual payment amount is equal to the settlement amount are no longer sufficient for enterprises to launch promotional activities. When a user has an e-wallet with multiple account attributes and pays for goods, the transaction payment method of the multi-account user cannot be analyzed, and the user cannot get the optimal balance deduction, which increases the time for the user to choose a payment account and reduces member stickiness and user experience. Summary of the invention

[0003] The purpose of the embodiments of the present invention is to provide a payment management method, device, electronic device, readable storage medium and chip, which can solve the problem that when a user has multiple accounts in an electronic wallet to pay for the purchase of goods, the transaction payment methods of the multiple account users cannot be analyzed, the optimal balance deduction method cannot be selected, and the time for the user to select a payment account is increased.

[0004] In view of this, an embodiment of the first aspect of the present invention provides a payment management method.

[0005] An embodiment of the second aspect of the present invention provides a payment management device.

[0006] An embodiment of a third aspect of the present invention provides an electronic device.

[0007] An embodiment of a fourth aspect of the present invention provides a readable storage medium.

[0008] An embodiment of the fifth aspect of the present invention provides a chip.

[0009] In order to achieve the above-mentioned objectives, an embodiment of the first aspect of the present invention provides a payment management method, which includes: receiving a payment request submitted by a first user; determining wallet account data and commodity transaction information of at least one wallet account corresponding to the payment request; determining an account profile rule corresponding to the first user based on the wallet account data and commodity transaction information; determining a trial payment combination method of at least one wallet account based on the account profile rule; and determining a multi-account trial payment bill corresponding to the first user based on the trial payment combination method.

[0010] According to the payment management method proposed in the present invention, a member wallet account management strategy is formulated for multi-account member users, and by providing applicable commodities corresponding to B2C (Business to Consumer) malls and offline stores, the principal wallet account attributes and the gift wallet account attributes are used as matching basis, and the deduction is used as the target result to match the optimal balance deduction for multiple commodities in the payment order. Specifically, when the management system receives a payment request from a user, it synchronously obtains the wallet account under the user name corresponding to the payment request, the wallet account data corresponding to each wallet account, and the commodity information corresponding to the payment request; the management system determines the account file rules set in the system corresponding to the issuance time according to the user's current payment request issuance time, and the account file rules are updated according to the enterprise operator's analysis of the current member consumption and commodity conditions; by analyzing the wallet account type of at least one wallet corresponding to the wallet account data, the file rules corresponding to the first user are determined, and the account file rules record the account attributes of each wallet account under the user name, the principal wallet account type, the gift wallet account type, and the mixed (principal + gift) account type preset by the system, wherein the gift wallet account type is corresponding to the account balance expiration time calculation rule. The account profile rules can also set the payment scenario range of the wallet account: that is, the online product range and offline product range corresponding to the wallet account type payment; determine the trial payment combination method corresponding to the product order according to the account profile rules, and perform a trial combination of at least one wallet account under the member user name according to the profile rules and at least one product, use the trial payment combination method of at least one wallet account under the member user name as a trial payment plan, and generate a multi-account trial bill based on the product information corresponding to the payment request and recommend it to the user.

[0011] It is understandable that by formulating account profile rules for member users with multiple wallet accounts, different payment consumption strategies can be formulated for users, wallet balances can be matched preferentially, and account balances under user names can be effectively managed to increase member user stickiness. The enterprise platform can also carry out recharge and gift promotions to attract member users to recharge and increase corporate cash flow.

[0012] In the above technical solution, determining the wallet account data and commodity transaction information of at least one wallet account corresponding to the payment request includes: obtaining the payment request submitted by the first user; determining the commodity transaction information corresponding to the payment request; determining at least one wallet account corresponding to the first user; determining the account type and account time information of the wallet account, the account types including principal account, gift account and mixed account; determining the wallet account data according to the account type and account time information.

[0013] In this technical solution, when the management system receives the payment request corresponding to the first user, it determines the detailed information of at least one commodity in the order, including the basic information of the commodity such as the commodity name and price; and determines the account wallet data corresponding to the payment request of the first user, the account wallet data includes at least one wallet account attribute under the user's name, that is, the wallet account type corresponding to each wallet account, the wallet account type includes the principal account, the gift account and the mixed (principal + gift) account, where the principal account refers to the account whose account balance is fully recharged by the member user himself, and the account balance in the gift account is the amount recharged and gifted to the account by other accounts. And obtain the recharge time of each wallet account corresponding to the user's name.

[0014] In the above technical solution, the account profile rules corresponding to the first user are determined based on the wallet account data and the commodity transaction information, including: obtaining background management data, the background management data including a custom commodity range and a custom expiration time calculation rule; determining the expiration time corresponding to at least one gift account based on the background management data; determining the account payment range corresponding to at least one wallet account based on the background management data; and determining the account profile rules based on the expiration time and the account payment range.

[0015] In this technical solution, the backend management data is obtained, and the account profile rules corresponding to the user wallet account data are determined according to the backend management data. Specifically, the backend management data is set by the enterprise operator according to the current enterprise account and commodity situation, mainly involving the account attributes (principal, gift), applicable channels (online mall, offline store), applicable commodities, exception commodities and other information. The recharge time of each wallet account in the user wallet account data is obtained, and the system determines the expiration time calculation rules corresponding to the gift account according to the backend management data. And determine the account payment range corresponding to each account type, that is, the applicable commodity range corresponding to the current principal account, the applicable commodity range corresponding to the current gift account, and the applicable commodity range corresponding to the current mixed account. According to the expiration time calculation rule, the gift account expiration time and the applicable commodity range corresponding to each account type of the first user are determined, and the account profile rules corresponding to the first user in the system preset archive rules are determined. The system can change the user wallet account rules in a timely manner according to different member user information and different business changes, so as to improve the efficiency of enterprise wallet account operation.

[0016] In the above technical scheme, a trial payment combination method of at least one wallet account is determined according to the account file rules, including: determining the balance validity period of the gift account according to the expiration time; determining at least one gift account as the first expired account according to the balance validity period; determining the consumption priority of the first expired account as the first consumption priority, the consumption priority of the gift account as the second consumption priority, and the consumption priority of the principal account and the mixed account as the third consumption priority; determining the consumption priority rule according to the order of the consumption priorities; determining the trial payment combination method of at least one wallet account according to the consumption priority rule and the account payment range.

[0017] In this technical solution, the validity period of the balance of at least one gift account under the user's name is determined according to the expiration time calculation rule corresponding to the account time information, that is, the validity period setting rule corresponding to the gift account. The member stored value system calculates the optimal solution based on the principle that the gift account balance that expires first is used first, the balance of other gift accounts is used second, and the principal account is used third. The management system formulates consumption priority rules according to consumption priority, sets consumption priority for wallet accounts that are recharged through gift promotions, and increases corporate cash flow.

[0018] In the above technical solution, a trial payment combination method of at least one wallet account is determined according to a consumption priority rule and an account payment range, including: obtaining at least one commodity line data corresponding to commodity transaction information; determining the commodity range corresponding to the commodity line data based on background management data; determining at least one wallet account corresponding to the commodity line data according to the commodity range and the account payment range; determining a trial payment combination method of at least one wallet account corresponding to the commodity line data according to the consumption priority rule.

[0019] In this technical solution, the detailed information of at least one commodity corresponding to the user's payment request is used to determine the commodity line data, which includes the commodity name, commodity price and other basic commodity information; in the system, the enterprise operator pre-classifies the commodity types corresponding to the basic commodity information, namely online commodities and offline commodities, and determines the account types that meet the conditions for purchasing online commodities and the account types that meet the conditions for purchasing offline commodities through the account profile rules. After determining the payment range of the user's wallet account type, the trial calculation model will perform a trial calculation on at least one wallet account under the user's name according to the preset optimal balance deduction plan, give priority to matching commodities with the gift wallet account that expires first under the user's name, then match commodities with other gift wallet accounts under the user's name, and finally match commodities with the principal wallet account under the user's name to determine the payment combination method corresponding to the account profile rules.

[0020] In the above technical solution, a multi-account trial payment bill corresponding to the first user is determined according to the trial payment combination method, including: determining at least one wallet account in the trial payment combination method and the apportioned amount corresponding to the wallet account; determining the multi-account trial payment bill according to the commodity transaction information, the wallet account and the apportioned amount.

[0021] In this technical solution, after the system determines the payment combination method corresponding to the multi-account wallet based on the background management database, it determines the apportioned amount of each wallet account under the user's name, the wallet account type and the payment details of each deduction account, and binds the deduction product information to the user's wallet account information where the deduction occurs. At least one deduction product information, deduction account and payment details corresponding to the deduction account are combined to form a multi-account trial payment bill. The first user can view the deduction status of the account balance under his name and the corresponding deduction product on the settlement page.

[0022] An embodiment of the second aspect of the present invention provides a payment management device, which includes: an acquisition module for receiving a payment request submitted by a first user; a determination module for determining wallet account data and commodity transaction information of at least one wallet account corresponding to the payment request; a rule determination module for determining an account file rule corresponding to the first user based on the wallet account data and commodity transaction information; a trial calculation module for determining a trial payment combination method of at least one wallet account based on the account file rule; and a bill generation module for determining a multi-account trial payment bill corresponding to the first user based on the trial payment combination method.

[0023] The payment management device provided in the embodiment of the present application mainly includes: an acquisition module, a determination module, a rule determination module, a trial calculation module and a bill generation module. The wallet account file rules are set through the payment management device, and the attributes of at least one wallet account type under the member user's name are planned and set, and determined as a principal account, a gift account and a mixed account; and the applicable goods corresponding to each account type are set. When the user has selected the goods and is ready to pay, the trial calculation is performed according to the wallet account payment range matched with the goods selected by the user, the product line data is determined, and the optimal balance deduction plan is returned based on the account file rules to complete the multi-account combination payment. Through the wallet multi-account setting, the enterprise can carry out recharge and gift promotion activities to attract member users to recharge, greatly increase the company's cash flow, and improve the stickiness of member users by formulating different payment consumption strategies.

[0024] An embodiment of the third aspect of the present invention provides an electronic device, including a processor, a memory, and a program or instruction stored in the memory and executable on the processor, wherein the program or instruction, when executed by the processor, implements the steps of the payment management method in the first aspect.

[0025] An embodiment of the fourth aspect of the present invention provides a readable storage medium, on which a program or instruction is stored. When the program or instruction is executed by a processor, the steps of the payment management method in the first aspect are implemented.

[0026] An embodiment of the fifth aspect of the present invention provides a chip, the chip includes a processor and a communication interface, the communication interface and the processor are coupled, and the processor is used to run a program or instruction to implement the steps of the payment management method in the first aspect.

[0027] Additional aspects and advantages of the present invention will become apparent from the following description or may be learned by practice of the present invention. BRIEF DESCRIPTION OF THE DRAWINGS

[0028] Figure 1 A schematic diagram of a payment management method according to an embodiment of the present application is shown; Figure 2 A schematic diagram of a payment management method according to an embodiment of the present application is shown; Figure 3 A schematic diagram of a payment management method according to an embodiment of the present application is shown; Figure 4 A schematic diagram of a payment management method according to an embodiment of the present application is shown; Figure 5 A schematic diagram of a payment management method according to an embodiment of the present application is shown; Figure 6 A schematic diagram of a payment management method according to an embodiment of the present application is shown; Figure 7 A schematic block diagram of the structure of a payment management device according to an embodiment of the present application is shown; Figure 8 A schematic structural block diagram of an electronic device according to an embodiment of the present application is shown; Fig. 9 A schematic diagram of a payment management method according to an embodiment of the present application is shown; Fig.10 A flow chart of a payment management method according to an embodiment of the present application is shown.

[0029] in, Figure 7 and Figure 8 The corresponding relationship between the reference numerals and the component names is as follows: 900: payment management device; 902: acquisition module; 904: determination module; 906: rule determination module; 908: calculation module; 910: bill generation module; 1000: electronic device; 1109: memory; 1110: processor. DETAILED DESCRIPTION

[0030] In order to more clearly understand the above-mentioned purposes, features and advantages of the embodiments of the present invention, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings and specific implementation methods. It should be noted that the embodiments of the present application and the features in the embodiments can be combined with each other without conflict.

[0031] In the following description, many specific details are set forth to facilitate a full understanding of the present application. However, the embodiments of the present invention may also be implemented in other ways different from those described herein. Therefore, the scope of protection of the present application is not limited to the specific embodiments disclosed below.

[0032] The following is combined with Figures 1 to 10 , the payment management method, device, electronic device, readable storage medium and chip provided in the embodiments of the present application are described in detail through specific embodiments and their application scenarios.

[0033] This embodiment provides a payment management method, the payment management method is as follows Figure 1 As shown, including: Step S102: receiving a payment request submitted by a first user; Step S104: determining wallet account data and commodity transaction information of at least one wallet account corresponding to the payment request; Step S106: determining an account profile rule corresponding to the first user according to the wallet account data and the commodity transaction information; Step S108: determining a trial payment combination method for at least one wallet account according to the account profile rule; Step S110: Determine a multi-account trial payment bill corresponding to the first user according to the trial payment combination method.

[0034] According to the payment management method proposed in the present invention, a member wallet account management strategy is formulated for multi-account member users, and by providing applicable commodities corresponding to B2C (Business to Consumer) malls and offline stores, the principal wallet account attributes and the gift wallet account attributes are used as matching basis, and the deduction is used as the target result to match the optimal balance deduction for multiple commodities in the payment order. Specifically, when the management system receives a payment request from a user, it synchronously obtains the wallet account under the user name corresponding to the payment request, the wallet account data corresponding to each wallet account, and the commodity information corresponding to the payment request; the management system determines the account file rules set in the system corresponding to the issuance time according to the user's current payment request issuance time, and the account file rules are updated according to the enterprise operator's analysis of the current member consumption and commodity conditions; by analyzing the wallet account type of at least one wallet corresponding to the wallet account data, the file rules corresponding to the first user are determined, and the account file rules record the account attributes of each wallet account under the user name, the principal wallet account type, the gift wallet account type, and the mixed (principal + gift) account type preset by the system, wherein the gift wallet account type is corresponding to the account balance expiration time calculation rule. The account profile rules can also set the payment scenario range of the wallet account: that is, the online product range and offline product range corresponding to the wallet account type payment; determine the trial payment combination method corresponding to the product order according to the account profile rules, and perform a trial combination of at least one wallet account under the member user name according to the profile rules and at least one product, use the trial payment combination method of at least one wallet account under the member user name as a trial payment plan, and generate a multi-account trial bill based on the product information corresponding to the payment request and recommend it to the user.

[0035] It is understandable that by formulating account profile rules for member users with multiple wallet accounts, different payment consumption strategies can be formulated for users, wallet balances can be matched preferentially, and account balances under user names can be effectively managed to increase member user stickiness. The enterprise platform can also carry out recharge and gift promotions to attract member users to recharge and increase corporate cash flow.

[0036] In one embodiment, the wallet account of the principal type will not have a discount balance, while the balance of the gift account is equal to the discount balance. The balance of the principal account is recorded by the actual amount of money received by the user, while the balance of the gift account is recorded by the recharge and gift from other accounts to this account, and the actual amount received is 0. In the recharge business, the balance of the mixed account type may be different from the discount balance due to recharge and gift. It can be understood that the account balance includes the discount balance, and the difference between the two can be understood as the principal part of the current balance. In addition, the discount intensity and the applicable scope of discounted goods for the goods can be set and updated by the enterprise operator.

[0037] In one embodiment, Figure 2 As shown, determining wallet account data and commodity transaction information of at least one wallet account corresponding to the payment request includes: Step S1044: determining commodity transaction information corresponding to the payment request; Step S1046: Determine at least one wallet account corresponding to the first user; Step S1048: Determine the account type and account time information of the wallet account; Step S1050: Determine wallet account data according to account type and account time information.

[0038] In this embodiment, when the management system receives the payment request corresponding to the first user, it determines the detailed information of at least one commodity in the order, including the commodity name, commodity price and other basic information of the commodity; and determines the account wallet data corresponding to the payment request of the first user, the account wallet data includes at least one wallet account attribute under the user's name, that is, the wallet account type corresponding to each wallet account, the wallet account type includes the principal account, the gift account and the mixed (principal + gift) account, wherein the principal account refers to the account whose account balance is fully recharged by the member user himself, and the account balance in the gift account is the amount recharged and gifted to the account by other accounts. And obtain the recharge time of each wallet account corresponding to the user's name.

[0039] In one embodiment, Figure 3 As shown, determining the account profile rules corresponding to the first user according to the wallet account data and the commodity transaction information includes: Step S1062: Obtaining background management data; Step S1064: determining the expiration time corresponding to at least one gift account according to the background management data; Step S1066: determining an account payment range corresponding to at least one wallet account according to the background management data; Step S1068: Determine the account profile rules based on the expiration time and the account payment scope.

[0040] In this embodiment, the backend management data is obtained, and the account profile rules corresponding to the user wallet account data are determined according to the backend management data. Specifically, the backend management data is set by the enterprise operator according to the current enterprise account and commodity situation, mainly involving the account attributes (principal, gift), applicable channels (online mall, offline store), applicable commodities, exception commodities and other information. The recharge time of each wallet account in the user wallet account data is obtained, and the system determines the expiration time calculation rules corresponding to the gift account according to the backend management data. And determine the account payment range corresponding to each account type, that is, the applicable commodity range corresponding to the current principal account, the applicable commodity range corresponding to the current gift account, and the applicable commodity range corresponding to the current mixed account. According to the expiration time calculation rule, the gift account expiration time and the applicable commodity range corresponding to each account type of the first user are determined, and the account profile rules corresponding to the first user in the system preset archive rules are determined. The system can change the user wallet account rules in a timely manner according to different member user information and combined with different business changes to improve the efficiency of enterprise operation wallet accounts.

[0041] In one embodiment, Figure 4 As shown, determining a trial payment combination method of at least one wallet account according to the account profile rule includes: Step S1082: Determine the validity period of the balance of the gift account according to the expiration time; Step S1084: determining at least one gift account as a first expired account according to the validity period of the balance; Step S1086: Determine that the consumption priority of the account that expires first is the first consumption priority, the consumption priority of the gift account is the second consumption priority, and the consumption priority of the principal account and the mixed account is the third consumption priority; Step S1088: Determine the consumption priority rule according to the order of consumption priority; Step S1090: Determine a trial payment combination method for at least one wallet account according to the consumption priority rule and the account payment range.

[0042] In this embodiment, the validity period of the balance of at least one gift account under the user's name is determined according to the expiration time calculation rule corresponding to the account time information, that is, the validity period setting rule corresponding to the gift account. The member stored value system calculates the optimal solution based on the principle that the gift account balance that expires first is used as the priority, the other gift account balances are used as the second priority, and the principal account is used as the third priority. The management system formulates consumption priority rules according to consumption priority, sets consumption priority for wallet accounts that are recharged through gift promotions, and increases corporate cash flow.

[0043] In one embodiment, Figure 5As shown, a trial payment combination method of at least one wallet account is determined according to the consumption priority rule and the account payment range, including: Step S10902: Acquire at least one commodity row data corresponding to commodity transaction information; Step S10904: Determine the commodity range corresponding to the commodity row data based on the background management data; Step S10906: Determine at least one wallet account corresponding to the commodity line data according to the commodity range and the account payment range; Step S10908: Determine a trial payment combination method corresponding to at least one wallet account of the commodity line data according to the consumption priority rule.

[0044] In this embodiment, the commodity line data is determined through the detailed information of at least one commodity corresponding to the user's payment request, and the commodity line data includes commodity basic information such as commodity name and commodity price; in the system, the enterprise operator pre-classifies the commodity type corresponding to the commodity basic information, that is, online commodities and offline commodities, and determines the account type that meets the conditions for purchasing online commodities and the account type that meets the conditions for purchasing offline commodities through the account profile rules. After determining the payment range of the user's wallet account type, the trial calculation model will perform a trial calculation on at least one wallet account under the user's name according to the preset optimal balance deduction plan, give priority to matching commodities with the gift wallet account that expires first under the user's name, then match commodities with other gift wallet accounts under the user's name, and finally match commodities with the principal wallet account under the user's name, and determine the payment combination method corresponding to the account profile rules.

[0045] In one embodiment, Figure 6 As shown, determining a multi-account trial payment bill corresponding to the first user according to the trial payment combination method includes: Step S1102: determining at least one wallet account in the trial payment combination method and the apportionment amount corresponding to the wallet account; Step S1104: Determine a multi-account trial payment bill based on the commodity transaction information, wallet account and apportioned amount.

[0046] In this embodiment, after the system determines the payment combination method corresponding to the multi-account wallet based on the background management database, it determines the apportioned amount of each wallet account under the user's name, the wallet account type and the payment details of each deduction account, and binds the deduction product information to the user's wallet account information where the deduction occurs. At least one deduction product information, deduction account and payment details corresponding to the deduction account are combined to form a multi-account trial payment bill. The first user can view the deduction status of the account balance under his name and the corresponding deduction product on the settlement page.

[0047] Optionally, when the trial calculation model determines the multi-account payment bill, the system settlement page will display the user's current debit account and payment details, and the settlement page will simultaneously display the user's customized settlement options. The user can choose to pay for the goods according to the multi-account payment bill corresponding to the system trial calculation payment combination method, or choose customized settlement according to the user's own choice. That is, choose to pay with at least one principal account wallet under the name, or pay with all gift account wallets, etc. There is no restriction on user customized payment, as long as the payment range of the wallet account used by the user to pay matches the product type.

[0048] In one embodiment, a process of generating a multi-account payment bill according to a payment management method is as follows: Fig.10 As shown, including: Step S302: List of wallet accounts available to the customer; Step S304: order product detail line; Step S306: Whether to match the wallet account: Step S308: If yes, record the account, deduction balance, and available balance of the current commodity line; Step S310: The order settlement page displays a list of accounts to be paid; Step S312: Adjust the account and amount; Step S314: actual settlement of the order.

[0049] In this embodiment, when the user has finished shopping and is ready to pay, the user selects the product and matches the account balance to confirm whether all wallet accounts under the user's name can match the product line. When all wallet accounts under the user's name cannot match the product selected by the user, the customer's available wallet account list is returned for update, that is, the user is reminded to update or recharge the wallet account under his name; when at least one wallet account under the user's name matches the product selected by the user, the wallet account matching the current product line, the amount to be deducted from the wallet account, and the current available balance of each wallet account are recorded, and the wallet account deduction amount corresponding to the apportionment amount of each line of goods is returned to the order to generate a wallet detailed payment record. The order pending settlement page displays the list of accounts to be paid and the corresponding wallet detailed payment records. Before the actual calculation of the order, the clerk or user can adjust the payment account and the corresponding payment amount on his own. After the actual payment is completed, the actual settlement result of the order is returned to the user's wallet account list, the user's wallet account list is updated, and the payment account is adjusted accordingly.

[0050] In one embodiment, when the user completes the product selection and confirms that the user has issued a payment request for the four rows of products P1, P2, P3, and P4, the product transaction information corresponding to at least one wallet account under the user's name and the four rows of products is confirmed, and the product payment range is determined according to the product transaction information. Among them, according to the user profile rules, it is determined that the products P1, P2, and P3 can be paid according to the wallets W1 and W2 under the user's name.

[0051] Table 1

[0052] Table 2

[0053] Specifically, as shown in Table 1 and Table 2: the amount of commodity P1 is 100, the amount of commodity P2 is 50, the amount of commodity P3 is 150, and the amount of commodity P4 is 200; the wallet attribute corresponding to wallet W1 is the principal account type, and its wallet balance is 800; the wallet attribute corresponding to wallet W2 is the gift account type, and its wallet balance is 1000. Wallet W1 is applicable to commodities P1 and P2, and wallet W2 is applicable to commodities P2 and P3. The applicable scope of commodity P4 does not match at least one wallet account under the user's name, and the user is required to use other payment methods to pay, such as bank card payment, cash payment and other payment methods.

[0054] Table 3

[0055] Specifically, as shown in Table 3, when the user completes the matching of three rows of goods and two wallet accounts, the system will automatically determine the trial payment combination method. Specifically, the available payment amount of wallet W1 is 150, corresponding to the payment of goods P1 and goods P2; the available payment amount of wallet W2 is 200, corresponding to the payment of goods P2 and goods P3, among which, the wallet available is the available payment amount of the wallet, that is, the sum of the amounts of goods P1 and goods P2 corresponding to wallet W1, and the sum of the amounts of goods P2 and goods P3 corresponding to wallet W2; the wallet balance is the current sum of the available amounts of the wallet accounts; the total available is the sum of the amounts of the goods rows corresponding to the currently available wallet accounts, that is, the sum of the amounts of the goods rows of the available wallets; and the consumption priority of wallet W2 is higher than that of wallet W1, wallet W2 is a gift account attribute, and the balance expiration time is 10 days, which is recorded in the system as 240:00:00 (hour: minute: second) format.

[0056] Among them, the balance expiration time can also be displayed in the form of year: month: day: hour: minute: second on the user interface. The enterprise operator can set the balance expiration time display in the background management system. As long as there are multiple wallet accounts with gift account attributes under the user name, the expiration time priority of the wallet account can be distinguished. There is no limitation on the form of time display in the user interface or background management interface.

[0057] The trial payment combination method and the P1, P2, and P3 product information are recommended to users on the settlement page as a multi-account trial payment bill. The recommended plan is set according to the account profile rules, giving priority to the wallet account corresponding to the expired gift account type, then using other gift account type wallets, and finally using the wallet account corresponding to the principal account type and the wallet account corresponding to the mixed account type. Users can pay according to the recommended matching plan corresponding to the multi-account trial payment bill, or the caller or the clerk can calculate the optimal solution for payment, or choose other payment methods to pay. For example, according to the recommended plan, the gift wallet W2 is used first, and wallet W2 is used to pay for products P2 and P3; wallet W1 is used to pay for product P1.

[0058] Table 4

[0059] In the actual payment process, the actual payment uses multiple account amounts as shown in Table 4. Users can combine payment with other payment methods according to the actual situation. On the settlement page, users can choose to use cash to pay 220, wallet W1 uses 90, and W2 uses 190 to complete the payment of goods P1, P2, and P3. Among them, wallet W2 is used as a gift account type for priority payment. The calculation formula for the apportionment amount of wallet W2 corresponding to product P2 is: 190×50 / (50+150); the calculation formula for the apportionment amount of wallet W2 corresponding to product P3 is: 190-(190×50 / (50+150)). And the payment of product P1 is completed through wallet W1. Users use wallet account W1, wallet account W2 and autonomous payment to complete the payment of products P1, P2, P3, and P4, and display the payment account list and product information on the settlement page.

[0060] In one embodiment, the enterprise operator can set the applicable region corresponding to the applicable scope of the wallet account. For example, when a user deposits value into wallet W1 in region A, wallet W2 is given as a gift. The enterprise operator can set the applicable region of wallet W2 of the gift account type to region A, and wallet W2 does not have payment conditions in other regions; or the applicable regions of wallet W2 are region A and region B, that is, wallet W2 only has payment conditions in region A and region B. The applicable regions and other applicable scopes of the wallet account can be managed by the enterprise operator in the background.

[0061] In one embodiment, Fig. 9 As shown, the payment management method may further include: Step S202: wallet account profile rule setting; Step S204: Trial calculation of order settlement account balance; Step S206: wallet account selection and balance adjustment on the settlement page; Step S208: The wallet account balance is formally settled.

[0062] In this embodiment, the wallet account file setting is a prerequisite for the use of wallet stored value management, and the enterprise operator can set the wallet account file according to their own situation. The account file records the attributes of the account, including: pure principal type, pure gift type and mixed (principal + gift) account. The pure gift type can set the expiration time calculation rules of the account. The account file can set the payment scenario range of the wallet account, that is, the online system range and the offline store range, the paid commodity range and whether the balance transfer is supported. Among them, the prerequisite for the balance transfer is that the wallet account type of both users is the same and the payment scenario range is the same. When the above two conditions are met, the balance transfer can be performed through the system. The wallet account is a line of account record generated by the member opening an account under the corresponding wallet account file. The account record includes the current balance, discount balance, balance signature, balance encryption value and balance validity period of at least one wallet account of the member. When a user recharges a certain account, a judgment will be made. Users without a wallet account will open an account; users with existing wallet accounts will calculate based on the original balance. The basis for calculating the optimal solution of the wallet stored value management system is that the balance of the account that expires first is used first, and the attribute of the gift account is used second. When the member wallet makes a purchase, the wallet account profile defines the product range and payment scenario as a prerequisite for consumption. When there are multiple lines of goods to be paid and multiple payable wallet accounts are matched, it is necessary to calculate an optimal balance deduction method for the payment call for the caller to restrict the user and complete the account balance trial calculation; when the trial calculation result is displayed to the user on the settlement page, the trial calculation and formal settlement will give the user a choice of plan on the settlement page. The user or the clerk can select the plan for the settlement amount and complete the formal settlement. The user's wallet account balance will be confirmed again during the formal settlement.

[0063] like Figure 7As shown, an embodiment of the present application provides a payment management device 900, including: an acquisition module 902, used to receive a payment request submitted by a first user; a determination module 904, used to determine wallet account data and commodity transaction information of at least one wallet account corresponding to the payment request; a rule determination module 906, used to determine the account file rules corresponding to the first user based on the wallet account data and commodity transaction information; a trial calculation module 908, used to determine a trial payment combination method of at least one wallet account based on the account file rules; and a bill generation module 910, used to determine a multi-account trial payment bill corresponding to the first user based on the trial payment combination method.

[0064] The payment management device 900 provided in the embodiment of the present application mainly includes: an acquisition module: 902, a determination module 904, a rule determination module 906, a trial calculation module 908 and a bill generation module 910. The wallet account file rules are set through the payment management device 900, and the attributes of at least one wallet account type under the member user name are planned and set, and determined as a principal account, a gift account and a mixed account; and the applicable goods corresponding to each account type are set. When the user is ready to pay after purchasing the goods, the trial calculation is performed according to the wallet account payment range matched with the goods selected by the user, the commodity line data is determined, and the optimal balance deduction plan is returned based on the account file rules to complete the multi-account combination payment. Through the wallet multi-account setting, the enterprise can carry out recharge and gift promotion activities to attract member users to recharge, greatly increase the cash flow of the enterprise, and improve the stickiness of member users by formulating different payment consumption strategies.

[0065] Optionally, the acquisition module 902 is used to acquire at least one commodity row data corresponding to the commodity transaction information; Optionally, the determination module 904 is used to determine at least one wallet account in the trial payment combination and an apportionment amount corresponding to the wallet account.

[0066] like Figure 8 As shown, an embodiment of the present application provides an electronic device 1000, including a processor 1110, a memory 1109, and a program or instruction stored in the memory 1109 and executable on the processor 1110. When the program or instruction is executed by the processor 1110, the various processes of the embodiment of the above-mentioned payment management method are implemented, and the same technical effect can be achieved. To avoid repetition, it will not be repeated here.

[0067] An embodiment of the present application also provides a readable storage medium, on which a program or instruction is stored. When the program or instruction is executed by a processor, the various processes of the embodiment of the above-mentioned payment management method are implemented, and the same technical effect can be achieved. To avoid repetition, it will not be repeated here.

[0068] An embodiment of the present application further provides a chip, which includes a processor and a communication interface, the communication interface and the processor are coupled, and the processor is used to run programs or instructions to implement the various processes of the embodiment of the above-mentioned payment management method, and can achieve the same technical effect. To avoid repetition, it will not be repeated here.

[0069] According to the payment management method, device, electronic device, readable storage medium and chip provided by the present invention, the applicable scope and account attributes of the wallet account are set, the list of items to be paid is pre-calculated, the current optimal wallet account plan is analyzed according to the member wallet account configuration, and the balances of multiple accounts under the user's name are effectively managed, thereby reducing the user's actual expenditure cost and payment selection time, and improving member stickiness and user experience.

[0070] In the present invention, the terms "first", "second", and "third" are used for descriptive purposes only and should not be understood as indicating or implying relative importance; the term "plurality" refers to two or more, unless otherwise clearly defined. The terms "installed", "connected", "connected", "fixed", etc. should be understood in a broad sense. For example, "connected" can be a fixed connection, a detachable connection, or an integral connection; "connected" can be a direct connection or an indirect connection through an intermediate medium. For those of ordinary skill in the art, the specific meanings of the above terms in the present invention can be understood according to specific circumstances.

[0071] In the description of the present invention, it is necessary to understand that the directions or positional relationships indicated by terms such as “upper”, “lower”, “left”, “right”, “front” and “back” are based on the directions or positional relationships shown in the accompanying drawings, and are only for the convenience of describing the present invention and simplifying the description, rather than indicating or implying that the device or unit referred to must have a specific direction, be constructed and operated in a specific orientation, and therefore, cannot be understood as a limitation on the present invention.

[0072] In the description of this specification, the description of the terms "one embodiment", "some embodiments", "specific embodiments", etc. means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present invention. In this specification, the schematic representation of the above terms does not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials or characteristics described can be combined in any one or more embodiments or examples in a suitable manner.

[0073] The above are only preferred embodiments of the present invention and are not intended to limit the present invention. For those skilled in the art, the present invention may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A payment management method, characterized in that: include: receiving a payment request submitted by a first user; determining wallet account data and commodity transaction information of at least one wallet account corresponding to the payment request; Determining an account profile rule corresponding to the first user based on the wallet account data and the commodity transaction information; Determining a trial payment combination method for at least one wallet account according to the account profile rules; A multi-account trial payment bill corresponding to the first user is determined according to the trial payment combination method.

2. The payment management method according to claim 1, characterized in that: The determining wallet account data and commodity transaction information of at least one wallet account corresponding to the payment request includes: Obtaining a payment request submitted by a first user; determining commodity transaction information corresponding to the payment request; determining at least one wallet account corresponding to the first user; Determine the account type and account time information of the wallet account, where the account type includes a principal account, a gift account, and a mixed account; The wallet account data is determined according to the account type and the account time information.

3. The payment management method according to claim 2, characterized in that: Determining an account profile rule corresponding to the first user according to the wallet account data and the commodity transaction information includes: Obtaining background management data, the background management data including a custom product range and a custom expiration time calculation rule; Determining an expiration time corresponding to at least one of the gift accounts according to the background management data; Determine an account payment range corresponding to at least one of the wallet accounts according to the background management data; The account profile rule is determined according to the expiration time and the account payment scope.

4. The payment management method according to claim 3, characterized in that: The step of determining a trial payment combination method of at least one wallet account according to the account profile rule includes: Determine the validity period of the balance of the gift account according to the expiration time; Determining at least one of the gift accounts as a first expired account according to the validity period of the balance; Determine that the consumption priority of the account that expires first is the first consumption priority, the consumption priority of the gift account is the second consumption priority, and the consumption priority of the principal account and the mixed account is the third consumption priority; Determine consumption priority rules according to the order of the consumption priorities; A trial payment combination method for at least one of the wallet accounts is determined according to the consumption priority rule and the account payment range.

5. The payment management method according to claim 4, characterized in that: The step of determining a trial payment combination method for at least one wallet account according to the consumption priority rule and the account payment range includes: Acquire at least one commodity row data corresponding to the commodity transaction information; Based on the background management data, determining the commodity range corresponding to the commodity row data; Determine at least one wallet account corresponding to the commodity line data according to the commodity range and the account payment range; A trial payment combination method corresponding to at least one of the wallet accounts of the commodity row data is determined according to the consumption priority rule.

6. The payment management method according to any one of claims 1 to 5, characterized in that: The step of determining the multi-account trial payment bill corresponding to the first user according to the trial payment combination method includes: Determine at least one of the wallet accounts in the trial payment combination and the apportionment amount corresponding to the wallet account; A multi-account trial payment bill is determined based on the commodity transaction information, the wallet account and the apportioned amount.

7. A payment management device, characterized in that: include: An acquisition module, configured to receive a payment request submitted by a first user; a determination module, configured to determine wallet account data and commodity transaction information of at least one wallet account corresponding to the payment request; a rule determination module, configured to determine an account profile rule corresponding to the first user based on the wallet account data and the commodity transaction information; A trial calculation module, used to determine a trial calculation payment combination method for at least one wallet account according to the account profile rule; The bill generation module is used to determine a multi-account trial payment bill corresponding to the first user according to the trial payment combination method.

8. An electronic device, characterized in that: The method comprises a processor, a memory, and a program or instruction stored in the memory and executable on the processor, wherein the program or instruction, when executed by the processor, implements the steps of the payment management method as described in any one of claims 1 to 6.

9. A readable storage medium, characterized in that: The readable storage medium stores a program or instruction, and when the program or instruction is executed by the processor, the steps of the payment management method according to any one of claims 1 to 6 are implemented.

10. A chip, characterized in that: The chip includes a processor and a communication interface, the communication interface is coupled to the processor, and the processor is used to run a program or instruction to implement the steps of the payment management method according to any one of claims 1 to 6.

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