QR code payment method and device

Abstract

The present invention discloses a QR code payment method and device, which relate to the field of financial technology, wherein the method comprises: receiving a customization request from a first platform; the first platform is a QR code platform that initiates payment; according to the customization request, configuring the association relationship between the first platform and multiple second platforms, and recording the labels and payment algorithm information of the multiple second platforms; according to the customer identification and the association relationship between the first platform and the multiple second platforms, querying the second platform associated with the customer; querying the customer-related information recorded by the 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 payment amount information; the first platform initiates QR code scanning payment. The present invention can realize multi-platform transactions under the same QR code carrier, thereby reducing transaction costs and improving customer experience.

Description

Technical Field

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

[0002] This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. No statement herein is admitted to be prior art by virtue of its inclusion in this section.

[0003] With the rapid development of computer technology, technologies such as QR codes and barcodes have become important carriers and media for information transmission and identity identification. Due to their significant advantages such as convenience, uniqueness, and readability, QR codes and barcodes have gained widespread favor across various industries. QR codes have become a ubiquitous information medium in today's society, appearing constantly in all aspects of our daily lives.

[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 QR code payment method for realizing a universal code, reducing transaction costs, improving transaction efficiency, and enhancing customer experience. The method includes:

[0006] Receive a customization request from a first platform, where the first platform is a QR code platform for initiating payment, and the customization request carries: multiple tags and payment algorithm information for a second platform, where 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 the second platform associated with the customer from the multiple second platforms based on the customer identifier provided by the first platform and the association relationship between the first platform and the multiple second platforms;

[0009] Send the customer ID 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;

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

[0011] performing a 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 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 present invention also provides a QR code payment device for realizing a universal code, reducing transaction costs, improving transaction efficiency, and enhancing customer experience. The device includes:

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

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

[0016] A second platform query module is configured to, upon receiving a payment request from a customer initiated by a first platform, query a second platform associated with the customer from among the multiple second platforms based on the customer identifier provided by the first platform and the association relationship between the first platform and the multiple second platforms;

[0017] A customer-related information query module is used to send the customer identifier 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 customer-related information receiving module, configured to receive customer-related information fed back by a second platform associated with the customer;

[0019] a payment amount information acquisition module, configured to aggregate and calculate the payment amount information 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 aggregated 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 QR 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 QR 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 QR code payment method is implemented.

[0024] In the embodiment of the present invention, compared with the existing technology that cannot use one code for multiple purposes, by receiving a customization request from the first platform; the first platform is a QR code platform that initiates 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 identifier 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 identifier and the label of the second platform associated with the customer are combined, The data 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; 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, a summary calculation is performed 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 the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative work. In the drawings:

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

[0029] Figure 4 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 solutions and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below with reference to 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 according to an embodiment of the present invention, which includes:

[0033] Step 101: Receive a customization request from a first platform. The first platform is a QR code platform that initiates payment. The customization request carries: multiple tags and payment algorithm information for a second platform. The second platform is a QR code platform associated with payment.

[0034] Step 102: configuring associations between the first platform and multiple second platforms based on the customization request, and recording tags and payment algorithm information of the multiple 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 based on the customer identifier provided by the first platform and the association relationship between the first platform and the multiple second platforms;

[0036] Step 104: Send the customer ID 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;

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

[0038] Step 106: performing a 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 summarized payment amount information;

[0039] Step 107: Provide the aggregated payment amount information to the first platform, so that the first platform can initiate a QR code scanning payment to the customer based on the aggregated payment amount information.

[0040] Each step is described in detail below. 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. The following examples will be explained 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 that initiates payment, and the customization request carries: multiple tags and payment algorithm information of a second platform, 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 searched 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 identifier 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 customer from the multiple second platforms based on the customer identifier provided by the first platform and the association relationship between the first platform and the multiple 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 identifier 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] In step 201, 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 based on the customer identifier.

[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 an information exchange means to complete a QR code universal payment transaction.

[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 in the second platform associated with the customer.

[0053] In one embodiment, 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.

[0054] In one embodiment, the customer identifier 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 aggregated actual payment amount information 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 based on 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] Let's assume a customer visits a shopping mall and chooses to scan their payment code to complete their payment at checkout. The mall has already offered three marketing campaigns. Campaign 1 offers a 10% discount on the total purchase price for customers with 500 points accumulated through historical purchases. Campaign 2 offers customers who meet other criteria to receive an 15% discount on selected items, in addition to the discounts offered in Campaign 1. Campaign 3 offers an additional 20% discount on top of the discounts offered in Campaign 1 for customers who spend 300 yuan or more at restaurants near the mall. These three campaigns can record and access a customer's existing identity and rights information through membership codes, other codes, and consumption record codes, respectively. For ease of understanding, the QR codes are named as follows: the payment code is named QR Code Platform A (referred to as Platform A), the mall membership code is named QR Code Platform B (referred to as Platform B), the other code is named QR Code Platform C (referred to as Platform C), and the consumption record code is named QR Code Platform D (referred to as Platform D). It's worth noting that the above scenarios only use one code for four purposes for payment. The tool's operating model and internal implementation are universal, supporting multiple uses of one code in a wider range of 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 at a mall, a convenient solution with one universal code is implemented in a 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 has other identities and the purchased product meets other preferential conditions, the order amount is equal to the current product amount * 0.85;

[0068] c. If the customer spends RMB 300 or more at designated restaurants near this mall, the order amount will be equal to the current merchandise amount * 0.8;

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

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

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

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

[0073] Step 5: The payment code system reads the customer's identity information (here taking the name, ID type, and ID number as an example), converts the customer's 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 receiving the customer ID information sent by Platform A, the centralized database decrypts it using its own encryption and decryption algorithm. After decryption is complete, it searches and inquires with the pre-selected Platforms B, C, and D based on the customer's identity information (here it is assumed that each platform is registered with the customer's identity information and is associated with the customer's identity and rights). If a corresponding relationship is found between the customer and Platforms B, C, and D, the corresponding platform's encryption and decryption algorithm is used to generate the customer ID information for each platform. This customer ID information is then sent to Platforms B, C, and D via a secure transmission network protocol along with the tag of the associated QR code platform pre-selected in the centralized database.

[0075] Step 7: After receiving the customer ID and their respective platform tags, platforms B, C, and D initiate their internal search process, using the customer ID as the primary key. They then return the query results to the centralized repository via a secure transmission network protocol. For example, Platform B may find that the customer's points balance is 650; Platform C may find that the customer's ID is "other"; and Platform D may find that the customer spent 500 yuan at a nearby restaurant designated by the mall.

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

[0077] Step 9: The customer presents his or 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 easier for transaction initiators and acceptors to complete transactions.

[0080] Specifically for the above scenario, if customers want to enjoy mall discounts, in the existing technology, they need to provide four types of QR codes to the cashier, and the cashier needs to scan and read them to obtain 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 major hidden dangers from the perspective of both parties' experience or 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 QR code payment device, as described in the following embodiments. Since the principle of solving the problem of the device is similar to that of the QR code payment method, the implementation of the device can refer to the implementation of the QR code payment method, and the repeated parts will not be repeated. Figure 4 As shown, the device includes:

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

[0084] The second platform query module 403 is configured to, upon receiving a payment request from a customer initiated by the first platform, query the second platform associated with the customer from the plurality of second platforms based on the customer identifier provided by the first platform and the association relationship between the first platform and the plurality of second platforms;

[0085] The customer-related information query module 404 is configured to send the customer identifier 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 configured to receive client-related information fed back by a second platform associated with the client;

[0087] The payment amount information acquisition module 406 is configured to aggregate and calculate the payment amount information 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 aggregated 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 based on the aggregated payment amount information.

[0089] In one embodiment, the customer identifier 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 to:

[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 further included, specifically configured to:

[0094] The decrypted customer ID 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 ID and query the recorded customer-related information based on the customer ID.

[0095] In one embodiment, the customer-related information query module 404 is further configured 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 configured 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 QR 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 QR 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 QR code payment method is implemented.

[0103] In the embodiment of the present invention, compared with the existing technology that cannot use one code for multiple purposes, by receiving a customization request from the first platform; the first platform is a QR code platform that initiates 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 identifier 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 identifier and the label of the second platform associated with the customer are combined, The data 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; 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, a summary calculation is performed 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] It will be understood by those skilled in the art that embodiments of the present invention may be provided as methods, systems, or computer program products. Thus, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Furthermore, 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 magnetic 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 flowcharts and / or block diagrams, as well as combinations of processes and / or blocks in the flowcharts and / or block diagrams, 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 flowcharts and / or block diagrams. 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 that can direct a computer or other programmable data processing device to work 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 The 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 operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function 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 the QR code platform for initiating payment. The customization request carries: multiple second platform tags and payment algorithm information. The second platform is the QR code platform associated with the 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 the second platform associated with the customer from the multiple second platforms based on the customer identifier provided by the first platform and the association relationship between the first platform and the multiple second platforms; Send the customer ID 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; receiving customer-related information fed back by a second platform associated with the customer; performing a 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 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, wherein The customer identifier provided by the First Platform is obtained by converting the customer's identity information into the identifier according to the First Platform's encryption and decryption algorithm; Before searching for a second platform associated with the customer from the multiple second platforms based on the customer identifier provided by the first platform and the association relationship between the first platform and the multiple second platforms, the method further includes: Decrypt the customer ID provided by the first platform.

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

4. The method according to claim 2, wherein The customer ID 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 ID 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 ID and query the recorded customer-related information based on the customer ID.

5. The method according to claim 4, wherein The customer ID 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, wherein 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, wherein 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, configured to receive a customization request from the first platform; The first platform is the QR code platform for initiating payment. The customization request carries: multiple second platform tags and payment algorithm information. The second platform is the QR code platform associated with the payment. An association configuration module, configured to configure the association between the first platform and multiple second platforms according to a customization request, and record the labels and payment algorithm information of the multiple second platforms; A second platform query module is configured to, upon receiving a payment request from a customer initiated by a first platform, query a second platform associated with the customer from among the multiple second platforms based on the customer identifier provided by the first platform and the association relationship between the first platform and the multiple second platforms; A customer-related information query module is used to send the customer identifier 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 customer-related information receiving module, configured to receive customer-related information fed back by a second platform associated with the customer; a payment amount information acquisition module, configured to aggregate and calculate the payment amount information 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 aggregated 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, wherein: 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.

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