Two-dimensional code payment method and device

Abstract

The invention discloses a two-dimensional code payment method and device, and relates to the field of financial science and technology, and the method comprises the steps: receiving a customization request of a first platform; the first platform is a two-dimensional code platform for initiating payment; according to the customization request, configuring an association relationship between the first platform and a plurality of second platforms, and recording labels and payment algorithm information of the plurality of second platforms; querying a second platform associated with the customer according to the customer identifier and an association relationship between the first platform and a plurality of second platforms; querying customer-related information recorded by a second platform associated with the customer; according to the customer related information fed back by the second platform associated with the customer, the payment algorithm information of the second platform associated with the customer and the payment amount information provided by the first platform, performing summary calculation to obtain payment amount information; according to the method and the system, multi-platform transaction under the same two-dimensional code carrier can be realized, so that the transaction cost is reduced, and the customer experience feeling is improved.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to a two-dimensional code payment method and device. Background Art

[0002] This section is intended to provide a background or context to the embodiments of the invention recited in the claims. No admission is made that the description herein is prior art by inclusion in this section.

[0003] With the rapid development of computer technology, QR codes, barcodes and other technologies have become important carriers and media for information transmission and identity recognition. Due to the significant features of QR codes and barcode technologies such as convenience, uniqueness, and readability, they are widely favored by all walks of life. QR codes have become an all-encompassing information medium in the current society, and they appear in various scenes of people's production and life at all times.

[0004] There are many types of QR codes, and the business platforms that present QR codes are often not interconnected, resulting in "special codes for special purposes" in specific scenarios. The existence of such barriers can easily cause users to present multiple QR codes to prove their identity and related rights when completing a business transaction, resulting in high transaction costs, low transaction efficiency, and poor customer experience. Summary of the invention

[0005] The embodiment of the present invention provides a two-dimensional code payment method, which is used to realize one code universality, reduce transaction costs, improve transaction efficiency, and enhance customer experience. The method includes:

[0006] Receive a customization request from a first platform; the first platform is a QR code platform for initiating payment, and the customization request carries: multiple tags and payment algorithm information of second platforms, and the second platform is a QR code platform associated with payment;

[0007] According to the customization request, configure the association relationship between the first platform and multiple second platforms, and record the labels and payment algorithm information of the multiple second platforms;

[0008] After receiving a payment request from a customer initiated by the first platform, querying a second platform associated with the customer from the multiple second platforms according to the customer identifier provided by the first platform and the association relationship between the first platform and the multiple second platforms;

[0009] Sending the customer identification and the tag of the second platform associated with the customer to the corresponding second platform associated with the customer to query the customer-related information recorded on the second platform associated with the customer;

[0010] receiving customer-related information fed back by a second platform associated with the customer;

[0011] Performing summary calculation based on the customer-related information fed back by the second platform associated with the customer, the payment algorithm information of the second platform associated with the customer, and the payment amount information provided by the first platform to obtain the summarized payment amount information;

[0012] Provide the first platform with the aggregated payment amount information so that the first platform can initiate a QR code scanning payment to the customer based on the aggregated payment amount information.

[0013] The embodiment of the present invention further provides a QR code payment device, which is used to realize one code universality, reduce transaction costs, improve transaction efficiency, and enhance customer experience. The device includes:

[0014] A customization request receiving module, used to receive a customization request from a first platform; the first platform is a QR code platform for initiating payment, and the customization request carries: multiple tags and payment algorithm information of second platforms, and the second platform is a QR code platform associated with payment;

[0015] An association configuration module, used to configure the association between the first platform and multiple second platforms according to the customization request, and record the labels and payment algorithm information of the multiple second platforms;

[0016] A second platform query module is used to query the second platform associated with the customer from the multiple second platforms according to the customer identifier provided by the first platform and the association relationship between the first platform and the multiple second platforms after receiving the customer payment request initiated by the first platform;

[0017] A customer related information query module, used to send the customer identification and the tag of the second platform associated with the customer to the corresponding second platform associated with the customer, so as to query the customer related information recorded on the second platform associated with the customer;

[0018] A client-related information receiving module, used to receive client-related information fed back by a second platform associated with the client;

[0019] A payment amount information acquisition module is used to perform summary calculation based on the customer-related information fed back by the second platform associated with the customer, the payment algorithm information of the second platform associated with the customer, and the payment amount information provided by the first platform to obtain the summarized payment amount information;

[0020] The QR code payment module is used to provide the first platform with the aggregated payment amount information so that the first platform can initiate a QR code scanning payment to the customer based on the aggregated payment amount information.

[0021] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned two-dimensional code payment method when executing the computer program.

[0022] An embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the above-mentioned two-dimensional code payment method is implemented.

[0023] An embodiment of the present invention further provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the above-mentioned two-dimensional code payment method is implemented.

[0024] In the embodiment of the present invention, compared with the prior art that cannot use one code for multiple purposes, a customization request from a first platform is received; the first platform is a QR code platform for initiating payment, the customization request carries: labels and payment algorithm information of multiple second platforms, and the second platform is a QR code platform associated with payment; according to the customization request, the association relationship between the first platform and the multiple second platforms is configured, and the labels and payment algorithm information of the multiple second platforms are recorded; after receiving the customer payment request initiated by the first platform, according to the customer identification provided by the first platform and the association relationship between the first platform and the multiple second platforms, the second platform associated with the customer is queried from the multiple second platforms; the customer identification and the label of the second platform associated with the customer are recorded, The information is sent to the corresponding second platform associated with the customer to query the customer-related information recorded on the second platform associated with the customer; the customer-related information fed back by the second platform associated with the customer is received; summary calculation is performed based on the customer-related information fed back by the second platform associated with the customer, the payment algorithm information of the second platform associated with the customer, and the payment amount information provided by the first platform to obtain the summarized payment amount information; the summarized payment amount information is provided to the first platform so that the first platform can initiate a QR code scanning payment to the customer according to the summarized payment amount information, which can realize multi-platform transactions under the same QR code carrier, thereby reducing transaction costs, improving transaction efficiency, and enhancing customer experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0025] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0026] Figure 1 This is a flow chart of a QR code payment method in an embodiment of the present invention;

[0027] Figure 2 This is a flow chart of sending a customer identification to a corresponding second platform associated with the customer in an embodiment of the present invention;

[0028] Figure 3 A structural diagram of a QR code payment method in an embodiment of the present invention;

[0029] Figure 4 A schematic diagram of a QR code payment device in an embodiment of the present invention;

[0030] Figure 5 Schematic diagram of a specific QR code payment device in an embodiment of the present invention. DETAILED DESCRIPTION

[0031] To make the purpose, technical solution and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0032] Figure 1 This is a flow chart of a QR code payment method in an embodiment of the present invention, the method comprising:

[0033] Step 101, receiving a customization request from a first platform; the first platform is a QR code platform for initiating payment, and the customization request carries: multiple tags and payment algorithm information of second platforms, and the second platform is a QR code platform associated with payment;

[0034] Step 102, according to the customization request, configuring the association relationship between the first platform and the plurality of second platforms, and recording the labels and payment algorithm information of the plurality of second platforms;

[0035] Step 103, after receiving the customer payment request initiated by the first platform, query the second platform associated with the customer from the multiple second platforms according to the customer identifier provided by the first platform and the association relationship between the first platform and the multiple second platforms;

[0036] Step 104, sending the customer identification and the tag of the second platform associated with the customer to the corresponding second platform associated with the customer, so as to query the customer-related information recorded on the second platform associated with the customer;

[0037] Step 105, receiving customer-related information fed back by a second platform associated with the customer;

[0038] Step 106, performing summary calculation based on the customer-related information fed back by the second platform associated with the customer, the payment algorithm information of the second platform associated with the customer, and the payment amount information provided by the first platform to obtain the summarized payment amount information;

[0039] Step 107, providing the first platform with the aggregated payment amount information, so that the first platform can initiate a QR code scanning payment to the customer according to the aggregated payment amount information.

[0040] Each step is described in detail below. In the embodiment, Figure 1 The process shown can be implemented by devices and apparatuses capable of realizing its functions; for example, in one embodiment, it can be implemented by a database, which can be called a centralized database, and the following examples will be described using a centralized database as an example.

[0041] In step 101, a customization request from a first platform is received; the first platform is a QR code platform for initiating payment, and the customization request carries: labels and payment algorithm information of multiple second platforms, and the second platform is a QR code platform associated with payment.

[0042] In step 102, according to the customization request, the association relationship between the first platform and the plurality of second platforms is configured, and the labels and payment algorithm information of the plurality of second platforms are recorded.

[0043] In a specific embodiment, a centralized database receives a customization request of a first platform, and the centralized database configures a second platform according to the customization request.

[0044] In step 103, after receiving the customer payment request initiated by the first platform, the second platform associated with the customer is queried from the multiple second platforms according to the customer identifier provided by the first platform and the association relationship between the first platform and the multiple second platforms.

[0045] In one embodiment, the customer identification provided by the first platform is obtained by converting the customer identity information by the first platform according to the encryption and decryption algorithm of the first platform;

[0046] Before searching for a second platform associated with the client from the plurality of second platforms according to the client identifier provided by the first platform and the association relationship between the first platform and the plurality of second platforms, the method further includes:

[0047] Decrypt the customer ID provided by the first platform.

[0048] In one embodiment, the customer identity information includes the customer's name, certificate type, and certificate number.

[0049] like Figure 2 As shown, in one embodiment, the customer identification and the tag of the second platform associated with the customer are sent to the corresponding second platform associated with the customer to query the customer-related information recorded on the second platform associated with the customer, including:

[0050] Step 201, the decrypted customer identification is re-encrypted according to the encryption and decryption algorithm of the second platform associated with the customer and then sent to the corresponding second platform associated with the customer, so that the second platform associated with the customer can decrypt the customer identification and query the recorded customer related information according to the customer identification.

[0051] In a specific embodiment, based on the encryption and decryption algorithm of the first platform and the payment algorithm information of the second platform, the customer identification provided by the first platform is used as the means of information exchange to complete the payment transaction of the universal QR code.

[0052] In step 104, the customer identification and the tag of the second platform associated with the customer are sent to the corresponding second platform associated with the customer to query the customer-related information recorded on the second platform associated with the customer.

[0053] In one embodiment, the second platform associated with the customer is pre-registered with the customer identity information and is associated with the customer identity information and the customer rights and interests information.

[0054] In one embodiment, the customer identification and the tag of the second platform associated with the customer are sent to the corresponding second platform associated with the customer to query the customer-related information recorded on the second platform associated with the customer, including:

[0055] The customer identification and the tag of the second platform associated with the customer are sent to the corresponding second platform associated with the customer, so that the second platform associated with the customer can query the recorded customer-related information according to the customer identification after receiving its own tag.

[0056] In one embodiment, the customer-related information includes: customer consumption information, customer points information, customer identity category, or any combination thereof.

[0057] In step 105, customer-related information fed back by a second platform associated with the customer is received.

[0058] In step 106, a summary calculation is performed based on the customer-related information fed back by the second platform associated with the customer, the payment algorithm information of the second platform associated with the customer, and the payment amount information provided by the first platform to obtain the summarized payment amount information.

[0059] In a specific embodiment, the customer-related information fed back by the second platform associated with the customer and the payment amount information provided by the first platform are substituted into the payment algorithm of the second platform associated with the customer, and the actual payment amount information after aggregation is output.

[0060] In step 107, the aggregated payment amount information is provided to the first platform so that the first platform can initiate a QR code scanning payment to the customer according to the aggregated payment amount information.

[0061] In a specific embodiment, the customer presents the payment QR code, and the first platform completes the scan code payment transaction.

[0062] The following is a detailed description of the technical solution implemented through specific scenarios:

[0063] The scenario is set as a customer going shopping in a mall. When checking out, the customer chooses to complete the payment by scanning the payment code. The mall has provided three types of marketing activities for customers in advance. Activity 1 is that when the historical consumption points meet 500 points, a 10% discount is offered on the basis of the total price; Activity 2 is that if the customer meets other identities, some products will enjoy a 15% discount on the basis of Activity 1; Activity 3 is that if the customer spends more than 300 yuan at a food store near the mall, he will enjoy an additional 20% discount on the basis of the preferential prices of the first two activities. The above three activities can record and obtain the customer's existing identity and rights information through membership codes, other codes, and consumption record codes respectively. For ease of understanding, the above QR codes are named according to the following corresponding relationships: the payment code is named A QR code platform (referred to as A platform), the mall membership code is named B QR code platform (referred to as B platform), the other code is named C QR code platform (referred to as C platform), and the consumption record code is named D QR code platform (referred to as D platform). It is worth noting that the above scenario case only takes the one-code four-use of payment behavior as an example. Its tool operation mode and internal implementation are universal and support one-code multiple uses in more scenarios. The structural diagram of the QR code payment method corresponding to platforms A, B, C, and D is as follows Figure 3 shown.

[0064] In the scenario where customers go shopping in a mall, a convenient solution with one universal code is implemented in the centralized library (centralized database). The specific steps of this solution are as follows:

[0065] Step 1: The mall administrator logs in to the centralized database, selects the mall membership code, other codes, consumption record code and other associated QR code platforms, and enters the following intelligent algorithm:

[0066] a. If the customer's mall membership code points balance is greater than or equal to 500 points, the order amount is equal to the current product amount * 0.9;

[0067] b. If the customer is of other identities and the purchased goods meet other preferential conditions, the order amount is equal to the existing goods amount*0.85;

[0068] c. If the customer spends more than or equal to RMB 300 at a designated restaurant near the mall, the order amount is equal to the current merchandise amount*0.8;

[0069] d. If the customer meets two of the above conditions, the order of activities will be used to determine and assign the discount amount of the previous activity to the "existing product amount" of the next activity for calculation. If the customer meets three of the above conditions, the above rules will be used in turn.

[0070] Step 2: The mall cashier reads all of the customer's merchandise and enters the total amount of the merchandise as RMB 1,000 into the cash register system.

[0071] Step 3: After the customer completes their purchase, they go to the checkout counter to make a QR code payment.

[0072] Step 4: The customer opens the mobile device and requests the payment code.

[0073] Step 5: The payment code system reads the customer identity information (here taking the customer identity information of name, ID type, and ID number as an example), converts the customer identity information into customer ID information using the unique encryption and decryption algorithm of platform A, and transmits it to the centralized database for processing.

[0074] Step 6: After the centralized database receives the customer ID information sent by platform A, it will decrypt it in its own encryption and decryption algorithm. After the decryption is completed, it will search and query the pre-selected B, C, and D platforms according to the customer identity information (here it is assumed that each platform is registered with the customer identity information and associated with the customer identity and rights). If it is found that the customer has a corresponding relationship with platforms B, C, and D, the customer ID information of each platform will be generated according to the encryption and decryption algorithm of the corresponding platform, and the customer ID information will be sent to platforms B, C, and D together with the label of the associated QR code platform pre-selected in the centralized database through a secure transmission network protocol.

[0075] Step 7: After receiving the customer ID information and the tags of their respective platforms, platforms B, C, and D start the internal retrieval process of the platform, use the customer ID information as the primary key, perform a query, and return the query results to the centralized database for processing through a secure transmission network protocol. For example, the customer's points balance found on platform B is 650 points; the customer identity found on platform C is other; and the customer spent 500 yuan at a nearby restaurant designated by the mall found on platform D.

[0076] Step 8: After receiving the customer-related information sent back by each platform, the centralized library uses a preset intelligent algorithm to summarize and calculate, and obtains that the total amount the customer should pay is 1000*0.9*0.85*0.8=612 yuan, and returns the amount to the cash register system.

[0077] Step 9: The customer presents his / her payment QR code to the cashier.

[0078] Step 10: The cashier at the mall uses a barcode scanner to read the QR code and complete the payment.

[0079] The processing logic of the above centralized database comprehensive query can be widely used in payment scenarios, life scenarios, and various ecological scenarios for the linkage acceptance of multiple QR codes, the linkage acceptance of multiple physical cards, and the linkage processing between multiple operating systems. Through system integration, a unified platform is exposed to customers, making it convenient for transaction initiators and acceptors to complete transactions.

[0080] Specifically for the above scenario, if customers need to enjoy mall discounts, in the prior art, they need to provide four types of QR codes to the cashier, and the cashier needs to scan and read them to obtain the rights and interests information. After obtaining the relevant rights and interests information and identity information, the cashier needs to manually enter the relevant information into the cash register system or manually calculate the final amount of payment according to the existing marketing discount rules. The operation paths of both parties are very complicated, and there are great hidden dangers from both parties' experience and the security of the payment process. The embodiment of the present invention greatly reduces the operation paths of both parties to the transaction, turning repetitive and complex operations into one-time and simple operations, greatly improving the work efficiency of the QR code market.

[0081] The present invention also provides a two-dimensional code payment device in the following embodiments. Since the principle of solving the problem by the device is similar to that of the two-dimensional code payment method, the implementation of the device can refer to the implementation of the two-dimensional code payment method, and the repeated parts will not be repeated. Figure 4 As shown, the device comprises:

[0082] The customization request receiving module 401 is used to receive a customization request from a first platform; the first platform is a QR code platform for initiating payment, and the customization request carries: tags and payment algorithm information of multiple second platforms, and the second platform is a QR code platform associated with payment;

[0083] The association configuration module 402 is used to configure the association between the first platform and the plurality of second platforms according to the customization request, and record the labels and payment algorithm information of the plurality of second platforms;

[0084] The second platform query module 403 is used to query the second platform associated with the customer from the multiple second platforms according to the customer identifier provided by the first platform and the association relationship between the first platform and the multiple second platforms after receiving the customer payment request initiated by the first platform;

[0085] The customer related information query module 404 is used to send the customer identification and the tag of the second platform associated with the customer to the corresponding second platform associated with the customer, so as to query the customer related information recorded on the second platform associated with the customer;

[0086] The client-related information receiving module 405 is used to receive client-related information fed back by a second platform associated with the client;

[0087] The payment amount information acquisition module 406 is used to perform summary calculation based on the customer-related information fed back by the second platform associated with the customer, the payment algorithm information of the second platform associated with the customer, and the payment amount information provided by the first platform to obtain the summarized payment amount information;

[0088] The QR code payment module 407 is used to provide the first platform with the aggregated payment amount information so that the first platform can initiate a QR code scanning payment to the customer according to the aggregated payment amount information.

[0089] In one embodiment, the customer identification provided by the first platform is obtained by converting the customer identity information by the first platform according to the encryption and decryption algorithm of the first platform;

[0090] like Figure 5 As shown, it also includes a decryption module 501, which is specifically used for:

[0091] Decrypt the customer ID provided by the first platform.

[0092] In one embodiment, the customer identity information includes the customer's name, certificate type, and certificate number.

[0093] In one embodiment, an encryption module is also included, which is specifically used to:

[0094] The decrypted customer identification is re-encrypted according to the encryption and decryption algorithm of the second platform associated with the customer and then sent to the corresponding second platform associated with the customer, so that the second platform associated with the customer can decrypt the customer identification and query the recorded customer-related information according to the customer identification.

[0095] In one embodiment, the customer related information query module 404 is further used to:

[0096] The second platform associated with the customer is pre-registered with the customer's identity information and is associated with the customer's identity information and customer rights and interests information.

[0097] In one embodiment, the customer related information query module 404 is specifically used to:

[0098] The customer identification and the tag of the second platform associated with the customer are sent to the corresponding second platform associated with the customer, so that the second platform associated with the customer can query the recorded customer-related information according to the customer identification after receiving its own tag.

[0099] In one embodiment, the customer-related information includes: customer consumption information, customer points information, customer identity category, or any combination thereof.

[0100] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned two-dimensional code payment method when executing the computer program.

[0101] An embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the above-mentioned two-dimensional code payment method is implemented.

[0102] An embodiment of the present invention further provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the above-mentioned two-dimensional code payment method is implemented.

[0103] In the embodiment of the present invention, compared with the prior art that cannot use one code for multiple purposes, a customization request from a first platform is received; the first platform is a QR code platform for initiating payment, the customization request carries: labels and payment algorithm information of multiple second platforms, and the second platform is a QR code platform associated with payment; according to the customization request, the association relationship between the first platform and the multiple second platforms is configured, and the labels and payment algorithm information of the multiple second platforms are recorded; after receiving the customer payment request initiated by the first platform, according to the customer identification provided by the first platform and the association relationship between the first platform and the multiple second platforms, the second platform associated with the customer is queried from the multiple second platforms; the customer identification and the label of the second platform associated with the customer are recorded, The information is sent to the corresponding second platform associated with the customer to query the customer-related information recorded on the second platform associated with the customer; the customer-related information fed back by the second platform associated with the customer is received; summary calculation is performed based on the customer-related information fed back by the second platform associated with the customer, the payment algorithm information of the second platform associated with the customer, and the payment amount information provided by the first platform to obtain the summarized payment amount information; the summarized payment amount information is provided to the first platform so that the first platform can initiate a QR code scanning payment to the customer according to the summarized payment amount information, which can realize multi-platform transactions under the same QR code carrier, thereby reducing transaction costs, improving transaction efficiency, and enhancing customer experience.

[0104] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0105] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0106] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0107] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process in the computer or other programmable device. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0108] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A QR code payment method, characterized in that: include: receiving a customization request from the first platform; The first platform is a QR code platform for initiating payment, and the customization request carries: multiple second platform labels and payment algorithm information, and the second platform is a QR code platform associated with payment; According to the customization request, configure the association relationship between the first platform and multiple second platforms, and record the labels and payment algorithm information of the multiple second platforms; After receiving a payment request from a customer initiated by the first platform, querying a second platform associated with the customer from the multiple second platforms according to the customer identifier provided by the first platform and the association relationship between the first platform and the multiple second platforms; Sending the customer identification and the tag of the second platform associated with the customer to the corresponding second platform associated with the customer to query the customer-related information recorded on the second platform associated with the customer; receiving customer-related information fed back by a second platform associated with the customer; Performing summary calculation based on the customer-related information fed back by the second platform associated with the customer, the payment algorithm information of the second platform associated with the customer, and the payment amount information provided by the first platform to obtain the summarized payment amount information; Provide the first platform with the aggregated payment amount information so that the first platform can initiate a QR code scanning payment to the customer based on the aggregated payment amount information.

2. The method according to claim 1, characterized in that The customer identification provided by the first platform is obtained by converting the customer identity information by the first platform according to the encryption and decryption algorithm of the first platform; Before searching for a second platform associated with the client from the plurality of second platforms according to the client identifier provided by the first platform and the association relationship between the first platform and the plurality of second platforms, the method further includes: Decrypt the customer ID provided by the first platform.

3. The method according to claim 2, characterized in that Customer identity information includes the customer's name, ID type, and ID number.

4. The method according to claim 2, characterized in that The customer identification and the tag of the second platform associated with the customer are sent to the corresponding second platform associated with the customer to query the customer-related information recorded on the second platform associated with the customer, including: The decrypted customer identifier is re-encrypted according to the encryption and decryption algorithm of the second platform associated with the customer and then sent to the corresponding second platform associated with the customer, so that the second platform associated with the customer can decrypt the customer identifier and query the recorded customer-related information according to the customer identifier.

5. The method according to claim 4, characterized in that The customer identification and the tag of the second platform associated with the customer are sent to the corresponding second platform associated with the customer to query the customer-related information recorded on the second platform associated with the customer, including: The customer identification and the tag of the second platform associated with the customer are sent to the corresponding second platform associated with the customer, so that the second platform associated with the customer can query the recorded customer-related information according to the customer identification after receiving its own tag.

6. The method according to claim 2, characterized in that The second platform associated with the customer is pre-registered with the customer's identity information and is associated with the customer's identity information and customer rights and interests information.

7. The method according to claim 1, characterized in that Customer-related information includes: customer consumption information, customer points information, customer identity category or any combination thereof.

8. A QR code payment device, characterized in that: include: A customization request receiving module, used to receive a customization request from the first platform; The first platform is a QR code platform for initiating payment, and the customization request carries: multiple second platform labels and payment algorithm information, and the second platform is a QR code platform associated with payment; An association configuration module, used to configure the association between the first platform and multiple second platforms according to the customization request, and record the labels and payment algorithm information of the multiple second platforms; A second platform query module is used to query the second platform associated with the customer from the multiple second platforms according to the customer identifier provided by the first platform and the association relationship between the first platform and the multiple second platforms after receiving the customer payment request initiated by the first platform; A customer related information query module, used to send the customer identification and the tag of the second platform associated with the customer to the corresponding second platform associated with the customer, so as to query the customer related information recorded on the second platform associated with the customer; A client-related information receiving module, used to receive client-related information fed back by a second platform associated with the client; A payment amount information acquisition module is used to perform summary calculation based on the customer-related information fed back by the second platform associated with the customer, the payment algorithm information of the second platform associated with the customer, and the payment amount information provided by the first platform to obtain the summarized payment amount information; The QR code payment module is used to provide the first platform with the aggregated payment amount information so that the first platform can initiate a QR code scanning payment to the customer based on the aggregated payment amount information.

9. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the method according to any one of claims 1 to 7 is implemented.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

Images