Payment method and device, medium, electronic equipment and program product
By identifying user groups on different shopping platforms and checking whether there are signed payment agreements, the problem of repeated signing on shopping platforms is solved, and a better payment experience and cost savings are achieved.
Patent Information
- Application Number
- CN202411847505.1
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-12-13
- Publication Date
- 2025-03-14
AI Technical Summary
When using the withholding payment function for the first time on different shopping platforms, the buyer needs to sign the withholding payment separately, resulting in a poor experience.
After receiving the payment request, it is determined whether any user in the user group associated with the payment request has signed a payment agreement that takes effect for all the user groups, and if so, payment services are provided based on the agreement.
Payment services can be provided without signing a payment agreement again, which reduces the signing interaction, reduces the feeling of repeated signing, enhances the payment experience, and saves the management and storage costs of payment agreements.
Smart Images
Figure CN119624441A_ABST
Abstract
Description
Technical Field
[0001] The present disclosure relates to the field of computer technology, and in particular, to a payment method, device, medium, electronic device and program product. Background Art
[0002] In the related art, when a buyer uses the direct payment function for the first time on different shopping platforms, he needs to sign up for the direct payment respectively, which makes the buyer's experience poor. Summary of the invention
[0003] This summary is provided to introduce concepts in a brief form that will be described in detail in the detailed description below. This summary is not intended to identify key features or essential features of the claimed technical solution, nor is it intended to limit the scope of the claimed technical solution.
[0004] In a first aspect, the present disclosure provides a payment method, comprising: Receive payment requests; Determining a user group associated with the payment request, wherein the user group is obtained by pre-setting groups of users who require payment services; Determining whether any user in the associated user group has signed a payment agreement, wherein the payment agreement is a payment agreement effective for all users in the user group; If it is determined that a user in the associated user group has signed the payment agreement, payment services are provided based on the payment agreement.
[0005] In a second aspect, the present disclosure provides a payment device, including: A first receiving module, used for receiving a payment request; A first determining module, configured to determine a user group associated with the payment request, wherein the user group is obtained by pre-setting groups of users who require payment services; A second determination module is used to determine whether any user in the associated user group has signed a payment agreement, wherein the payment agreement is a payment agreement effective for all users in the user group; The payment module is used to provide payment services based on the payment agreement if it is determined that a user in the associated user group has signed the payment agreement.
[0006] In a third aspect, the present disclosure provides a computer-readable medium having a computer program stored thereon, which, when executed by a processing device, implements the steps of any one of the methods described in the first aspect.
[0007] In a fourth aspect, the present disclosure provides an electronic device, including: a storage device having a computer program stored thereon; A processing device is used to execute the computer program in the storage device to implement the steps of any one of the methods in the first aspect.
[0008] In a fifth aspect, the present disclosure provides a computer program product, comprising a computer program, which, when executed by a processor, implements the steps of any one of the methods in the first aspect.
[0009] By adopting the above technical solution, after receiving a payment request, it will be determined whether there are users in the user group associated with the payment request who have signed a payment agreement that is effective for all users in the user group. If it is determined that there are users in the user group associated with the payment request who have signed such a payment agreement, payment services will be provided based on the payment agreement. In this way, payment services can be provided without signing a payment agreement again, which reduces contract interaction, reduces the feeling of repeated contract signing, and enhances the payment experience. Moreover, by signing only one payment agreement for a user group, the management cost and storage cost of the payment agreement can be saved.
[0010] Other features and advantages of the present disclosure will be described in detail in the following detailed description. BRIEF DESCRIPTION OF THE DRAWINGS
[0011] The above and other features, advantages and aspects of the embodiments of the present disclosure will become more apparent with reference to the following detailed description in conjunction with the accompanying drawings. Throughout the drawings, the same or similar reference numerals represent the same or similar elements. It should be understood that the drawings are schematic and the originals and elements are not necessarily drawn to scale. In the drawings: Figure 1 It is a flow chart of withholding payment based on relevant technology.
[0012] Figure 2 The present invention is a flow chart of a payment method according to an embodiment of the present invention.
[0013] Figure 3 is another flow chart of a payment method according to an embodiment of the present disclosure.
[0014] Figure 4 is a schematic block diagram of a payment device according to an embodiment of the present disclosure.
[0015] Figure 5 A schematic diagram of the structure of an electronic device suitable for implementing the embodiments of the present disclosure is shown. DETAILED DESCRIPTION
[0016] Embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although certain embodiments of the present disclosure are shown in the accompanying drawings, it should be understood that the present disclosure can be implemented in various forms and should not be construed as being limited to the embodiments described herein, which are instead provided for a more thorough and complete understanding of the present disclosure. It should be understood that the drawings and embodiments of the present disclosure are only for exemplary purposes and are not intended to limit the scope of protection of the present disclosure.
[0017] It should be understood that the various steps described in the method embodiments of the present disclosure may be performed in different orders and / or in parallel. In addition, the method embodiments may include additional steps and / or omit the steps shown. The scope of the present disclosure is not limited in this respect.
[0018] The term "including" and its variations used herein are open inclusions, i.e., "including but not limited to". The term "based on" means "based at least in part on". The term "one embodiment" means "at least one embodiment"; the term "another embodiment" means "at least one additional embodiment"; the term "some embodiments" means "at least some embodiments". The relevant definitions of other terms will be given in the following description.
[0019] It should be noted that the concepts such as "first" and "second" mentioned in the present disclosure are only used to distinguish different devices, modules or units, and are not used to limit the order or interdependence of the functions performed by these devices, modules or units.
[0020] It should be noted that the modifications of "one" and "plurality" mentioned in the present disclosure are illustrative rather than restrictive, and those skilled in the art should understand that unless otherwise clearly indicated in the context, it should be understood as "one or more".
[0021] The names of the messages or information exchanged between multiple devices in the embodiments of the present disclosure are only used for illustrative purposes and are not used to limit the scope of these messages or information.
[0022] It is understandable that before using the technical solutions disclosed in the embodiments of the present disclosure, the types, scope of use, usage scenarios, etc. of the personal information involved in the present disclosure should be informed to the user and the user's authorization should be obtained in an appropriate manner in accordance with relevant laws and regulations.
[0023] For example, in response to receiving an active request from a user, a prompt message is sent to the user to clearly prompt the user that the operation requested to be performed will require obtaining and using the user's personal information. Thus, the user can autonomously choose whether to provide personal information to software or hardware such as an electronic device, application, server, or storage medium that performs the operation of the technical solution of the present disclosure according to the prompt message.
[0024] As an optional but non-limiting implementation, in response to receiving an active request from the user, the prompt information may be sent to the user in the form of a pop-up window, in which the prompt information may be presented in text form. In addition, the pop-up window may also carry a selection control for the user to choose "agree" or "disagree" to provide personal information to the electronic device.
[0025] It is understandable that the above notification and the process of obtaining user authorization are merely illustrative and do not constitute a limitation on the implementation of the present disclosure. Other methods that meet relevant laws and regulations may also be applied to the implementation of the present disclosure.
[0026] At the same time, it is understandable that the data involved in this technical solution (including but not limited to the data itself, the acquisition or use of the data) shall comply with the requirements of relevant laws, regulations and relevant provisions.
[0027] In the related art, when a purchaser uses the withholding payment function for the first time on different shopping platforms, they need to sign withholding payment contracts separately. A shopping platform refers to a platform that provides business services to purchasers, including shopping, information services, coupon services, etc. Withholding payments include pay later, pay faster, etc. In the withholding payment scenario, the purchaser, the shopping platform, and the payment platform (for example, Douyin Pay) need to sign a withholding payment agreement to realize withholding payment.
[0028] like Figure 1 As shown, taking the use-first-pay-later payment as an example, when the buyer wants to use the use-first-pay-later payment method when shopping on shopping platform A, shopping platform A sends a use-first-pay-later request to the payment platform. After receiving the use-first-pay-later request, the payment platform finds that the buyer, shopping platform A and the payment platform have not signed a use-first-pay-later payment agreement. Therefore, the payment platform returns the use-first-pay-later signing page information to shopping platform A, and shopping platform A renders the use-first-pay-later signing page information to the buyer. The buyer signs the use-first-pay-later contract and completes the payment according to the use-first-pay-later signing page information, and then the payment platform returns the use-first-pay-later signing result and payment result to the buyer. If the buyer subsequently shops on shopping platform B and wants to use the use-first-pay-later payment method, and the buyer, shopping platform B and the payment platform have not signed a use-first-pay-later payment agreement before, it is necessary to execute the same use-first-pay-later payment agreement signing process as shopping platform A before using the use-first-pay-later payment method on shopping platform B.
[0029] Therefore, in the related art, when a buyer uses the agency payment function for the first time on different shopping platforms, he needs to sign the agency payment contract respectively. For the buyer, there is a feeling of repeated contract signing, which is not a good experience.
[0030] Figure 21 is a flow chart of a payment method according to an embodiment of the present disclosure. The payment method can be applied to various payment scenarios, such as withholding payment, virtual currency payment, etc. The payment method can be executed by a payment platform. Figure 2 As shown, the payment method may include the following steps S21 to S24.
[0031] In step S21, a payment request is received.
[0032] Taking a purchaser shopping on a shopping platform as an example, a payment request may be sent from the shopping platform to the payment platform when the purchaser pays.
[0033] The payment request may carry information such as the deduction amount, user information of the user who needs payment services, etc. For example, when a buyer makes a purchase on a shopping platform, the shopping platform sends a payment request to the payment platform, and the user who needs payment services is the shopping platform.
[0034] In step S22, a user group associated with the payment request is determined, wherein the user group is obtained by pre-setting groups of users who require payment services.
[0035] In some embodiments, taking the payment request as an example, in which information such as the deduction amount and user information of the user who requires payment service is carried, the user group associated with the payment request can be determined based on the user information carried in the payment request.
[0036] In some embodiments, users who require payment services can be grouped according to the type of payment services required to obtain user groups. For example, the type of payment service required by each user can be determined, and users who require the same type of payment service can be divided into the same user group. For example, users A and B require a payment service of the pay-later type, and users C and D require a payment service of the fast-payment type, so users A and B can be divided into one user group, and users C and D can be divided into another user group.
[0037] In step S23, it is determined whether there is a user in the user group associated with the payment request who has signed a payment agreement, wherein the payment agreement is a payment agreement that is effective for all users in the user group.
[0038] In some embodiments, the payment agreement may be signed with any one of the users in the user group, or with a designated user in the user group, and the payment agreement is effective for all users in the user group. For example, a user may be selected from the user group as the primary user, and then, no matter which user in the user group the payment agreement is signed with for the first time, the actual payment agreement falls on the primary user, that is, no matter which user in the user group the payment agreement is signed with for the first time, from the perspective of the user group, the payment agreement is signed with the primary user, and the signed payment agreement is effective for any user in the user group.
[0039] In step S24, if it is determined that a user in the user group associated with the payment request has signed a payment agreement, payment service is provided based on the payment agreement.
[0040] By adopting the above technical solution, after receiving a payment request, it will be determined whether there are users in the user group associated with the payment request who have signed a payment agreement that is effective for all users in the user group. If it is determined that there are users in the user group associated with the payment request who have signed such a payment agreement, payment services will be provided based on the payment agreement. In this way, there is no need to sign a payment agreement again to provide payment services, which reduces contract interaction, reduces the feeling of repeated contracting, and enhances the payment experience. Taking the use-before-payment payment service as an example, the payment method according to the embodiment of the present disclosure can reduce the buyer's contract interaction, reduce the buyer's feeling of repeated contracting, and enhance the buyer's experience. Moreover, by signing only one payment agreement for a user group, the management cost and storage cost of the payment agreement can be saved.
[0041] In some embodiments, the payment method according to the embodiment of the present disclosure may further include: if it is determined in step S23 that no user in the user group associated with the payment request has signed a payment agreement, a payment agreement is signed for the user group associated with the payment request, and after the payment agreement is signed, payment services are provided based on the signed payment agreement.
[0042] That is, if no user in the user group has ever signed a payment agreement, a payment agreement will be signed for the user group. The payment agreement can be signed with any user in the user group, or with a designated user in the user group. After signing, the payment agreement will take effect on all users in the user group. For example, you can select a user from the user group as the main user, and if it is determined that no user in the user group associated with the payment request has signed a payment agreement, a payment agreement is signed with the main user. After signing, the payment agreement will take effect on any user in the user group.
[0043] By adopting the above technical solution, since the payment agreement signed by one user in the user group is effective for all users in the user group, it is only necessary to sign a payment agreement once to realize the payment service for all users in the user group, reducing the contract interaction, reducing the physical feeling of repeated contract, and enhancing the payment experience. Taking the use-before-payment payment service as an example, the payment method according to the embodiment of the present disclosure can reduce the contract interaction of the buyer, reduce the physical feeling of repeated contract, and enhance the buyer's experience. Moreover, by signing only one payment agreement for a user group, the management cost and storage cost of the payment agreement can be saved.
[0044] In some embodiments, the payment method according to the embodiment of the present disclosure may also include: after providing the payment service, determining the user associated with the payment request in the user group associated with the payment request according to the payment request, and then performing fund settlement with the associated user according to the payment request.
[0045] For example, in a user group, a payment agreement is signed with the main user B. Afterwards, user A in the user group initiates a payment request and uses the payment agreement signed by the main user B. When the funds are settled, the funds will still be settled to user A based on the information contained in the payment request (such as user information, deduction information, etc.).
[0046] By adopting the above technical solution, the corresponding amount can be settled to the user associated with the payment request according to the payment request, rather than to the user who signed the payment agreement in the user group, so it will not affect the correct settlement of funds.
[0047] In some embodiments, if a user in a user group has already signed a payment agreement, the payment method according to an embodiment of the present disclosure may further include: receiving a request to cancel the payment agreement; determining the user group associated with the request to cancel the payment agreement; and invalidating the payment agreement that has already been signed in the user group associated with the request to cancel the payment agreement for all users in the user group.
[0048] When you want to close the payment service, you can send a payment agreement cancellation request to the payment platform. After receiving the payment agreement cancellation request, the payment platform can invalidate the payment agreement that has been signed in the user group associated with the payment agreement cancellation request for all users in the user group. That is, the payment function of all users in the user group is invalidated together.
[0049] By adopting the above technical solution, since the payment agreement in the user group is invalid for all users in the user group, it is only necessary to cancel the payment agreement once to cancel the payment agreement for all users in the user group, thereby enhancing the user experience. Taking the use-now-pay-later payment service as an example, the above technical solution can reduce the buyer's agreement cancellation interaction, reduce the buyer's physical sensation of repeatedly canceling the agreement, and enhance the buyer's experience.
[0050] In some embodiments, the payment platform can make announcements to user groups through the service management page on the payment platform, so that users can know which users can obtain payment services by signing a payment agreement once. Alternatively, the payment platform can also notify this information through in-site messages, text messages, etc.
[0051] Figure 3 This is another flow chart of a payment method according to an embodiment of the present disclosure. This flow chart takes the withholding payment as an example.
[0052] like Figure 3 As shown, shopping platform C and shopping platform D belong to the same user group of the payment platform. Taking the use-first-pay-later method of withholding payment as an example, when a buyer wants to use the use-first-pay-later payment method on shopping platform C, shopping platform C sends a use-first-pay-later request to the payment platform. After receiving the use-first-pay-later request, the payment platform determines that no shopping platform in the user group to which shopping platform C belongs has signed a use-first-pay-later payment agreement. Therefore, the payment platform returns the use-first-pay-later signing page information to shopping platform C. Shopping platform C renders the use-first-pay-later signing page information to the buyer. The buyer signs the use-first-pay-later contract and completes the payment according to the use-first-pay-later signing page information. Then, the payment platform returns the use-first-pay-later signing result and payment result to the buyer. If the purchaser subsequently makes a purchase on shopping platform D and wishes to use a pay-as-you-go payment method, shopping platform D sends a pay-as-you-go request to the payment platform. After receiving the pay-as-you-go request, the payment platform determines that there is a shopping platform in the user group to which shopping platform D belongs that has signed a pay-as-you-go payment agreement. Therefore, the payment platform completes the pay-as-you-go payment and returns the payment result to shopping platform D. After receiving the payment result, shopping platform D returns the payment result to the purchaser.
[0053] Through the above technical solution, when it is determined that a user in the user group has signed a payment agreement, there is no need to sign the payment agreement again to realize the payment service, which reduces the contract interaction, reduces the physical feeling of repeated contract signing, and enhances the payment experience. Taking the use-now-and-pay-later payment service as an example, through the above technical solution, it is possible to reduce the contract interaction of the buyer, reduce the physical feeling of repeated contract signing, and enhance the buyer's experience. Moreover, by signing only one payment agreement for a user group, the management cost and storage cost of the payment agreement can be saved.
[0054] Figure 4 is a schematic block diagram of a payment device according to an embodiment of the present disclosure. The payment device can be applied to various payment scenarios, such as withholding payment, virtual currency payment, etc. The payment device can be implemented on a payment platform. Figure 4 As shown, the payment device 40 may include: a first receiving module 41, used to receive a payment request; a first determining module 42, used to determine the user group associated with the payment request, wherein the user group is obtained by pre-setting the grouping of users who require payment services; a second determining module 43, used to determine whether there is a user in the user group associated with the payment request who has signed a payment agreement, wherein the payment agreement is a payment agreement that is effective for all users in the user group; a payment module 44, used to provide payment services based on the payment agreement if it is determined that there is a user in the user group associated with the payment request who has signed the payment agreement.
[0055] By adopting the above technical solution, after receiving a payment request, it will be determined whether there are users in the user group associated with the payment request who have signed a payment agreement that is effective for all users in the user group. If it is determined that there are users in the user group associated with the payment request who have signed such a payment agreement, payment services will be provided based on the payment agreement. In this way, there is no need to sign a payment agreement again to provide payment services, which reduces contract interaction, reduces the feeling of repeated contracting, and enhances the payment experience. Taking the use-before-payment payment service as an example, the payment method according to the embodiment of the present disclosure can reduce the buyer's contract interaction, reduce the buyer's feeling of repeated contracting, and enhance the buyer's experience. Moreover, by signing only one payment agreement for a user group, the management cost and storage cost of the payment agreement can be saved.
[0056] Optionally, the payment device 40 may further include a signing module (not shown), which is used to sign the payment agreement for the user group if it is determined that no user in the user group associated with the payment request has signed the payment agreement; the payment module 43 is also used to provide payment services based on the signed payment agreement after the payment agreement is signed.
[0057] Optionally, the payment agreement is signed with any one of the users in the user group or with a designated user in the user group, and the payment agreement is effective for all users in the user group.
[0058] Optionally, the payment device 40 also includes: a third determination module (not shown), which is used to determine, according to the payment request, a user associated with the payment request in a user group associated with the payment request after providing the payment service; and a settlement module (not shown), which is used to perform fund settlement with the associated user according to the payment request.
[0059] Optionally, the payment device 40 further includes a grouping module (not shown) for grouping users who require the payment service according to the type of the required payment service.
[0060] Optionally, the grouping module groups users who require the payment service according to the type of the required payment service, including: Determine the type of payment service each user requires; Group users who require the same type of payment service into the same user group.
[0061] Optionally, a user in the user group has signed the payment agreement, and the payment device 40 further includes: A second receiving module (not shown), configured to receive a payment agreement cancellation request; The release module (not shown) is used to determine the user group associated with the payment agreement release request, and invalidate the payment agreement that has been signed in the user group associated with the payment agreement release request for all users in the user group.
[0062] The specific implementation method of the operations performed by each module in the payment device according to the embodiment of the present disclosure has been described in detail in the relevant payment method, and will not be repeated here.
[0063] The present disclosure also provides a computer-readable medium having a computer program stored thereon, and when the computer program is executed by a processing device, the steps of any method in the present disclosure are implemented.
[0064] The present disclosure also provides an electronic device, comprising: a storage device having a computer program stored thereon; A processing device is used to execute a computer program in a storage device to implement the steps of any method in the present disclosure.
[0065] The present disclosure also provides a computer program product, comprising a computer program, which implements the steps of any method in the present disclosure when executed by a processor.
[0066] Reference below Figure 5 , which shows a schematic diagram of the structure of an electronic device 600 suitable for implementing the embodiment of the present disclosure. The terminal device in the embodiment of the present disclosure may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (personal digital assistants), PADs (tablet computers), PMPs (portable multimedia players), vehicle terminals (such as vehicle navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 5The electronic device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present disclosure.
[0067] like Figure 5 As shown, the electronic device 600 may include a processing device (e.g., a central processing unit, a graphics processing unit, etc.) 601, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage device 608 into a random access memory (RAM) 603. In the RAM 603, various programs and data required for the operation of the electronic device 600 are also stored. The processing device 601, the ROM 602, and the RAM 603 are connected to each other via a bus 604. An input / output (I / O) interface 605 is also connected to the bus 604.
[0068] Typically, the following devices may be connected to the I / O interface 605: an input device 606 including, for example, a touch screen, a touch pad, a keyboard, a mouse, a camera, a microphone, an accelerometer, a gyroscope, etc.; an output device 607 including, for example, a liquid crystal display (LCD), a speaker, a vibrator, etc.; a storage device 608 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 609. The communication device 609 may allow the electronic device 600 to communicate with other devices wirelessly or by wire to exchange data. Although Figure 5 The electronic device 600 is shown with various devices, but it should be understood that it is not required to implement or possess all the devices shown. More or fewer devices may be implemented or possessed instead.
[0069] In particular, according to an embodiment of the present disclosure, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present disclosure includes a computer program product, which includes a computer program carried on a non-transitory computer-readable medium, and the computer program contains program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device 609, or installed from a storage device 608, or installed from a ROM 602. When the computer program is executed by the processing device 601, the above-mentioned functions defined in the method of the embodiment of the present disclosure are executed.
[0070] It should be noted that the computer-readable medium mentioned above in the present disclosure may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present disclosure, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer readable signal media may also be any computer readable medium other than computer readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer readable medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (radio frequency), etc., or any suitable combination of the above.
[0071] In some embodiments, the client and the server may communicate using any currently known or future developed network protocol such as HTTP (HyperText Transfer Protocol), and may be interconnected with any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include a local area network ("LAN"), a wide area network ("WAN"), an internet (e.g., the Internet), and a peer-to-peer network (e.g., an ad hoc peer-to-peer network), as well as any currently known or future developed network.
[0072] The computer-readable medium may be included in the electronic device, or may exist independently without being incorporated into the electronic device.
[0073] The above-mentioned computer-readable medium carries one or more programs. When the above-mentioned one or more programs are executed by the electronic device, the electronic device: receives a payment request; determines the user group associated with the payment request, wherein the user group is obtained by pre-setting the grouping of users who require payment services; determines whether there are users in the associated user group who have signed a payment agreement, wherein the payment agreement is a payment agreement that is effective for all users in the user group; if it is determined that there are users in the associated user group who have signed the payment agreement, provides payment services based on the payment agreement.
[0074] Computer program code for performing the operations of the present disclosure may be written in one or more programming languages or a combination thereof, including, but not limited to, object-oriented programming languages, such as Java, Smalltalk, C++, and conventional procedural programming languages, such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer, partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., through the Internet using an Internet service provider).
[0075] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flowchart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the code contains one or more executable instructions for implementing the specified logical functions. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram and / or flowchart and the combination of boxes in the block diagram and / or flowchart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.
[0076] The modules described in the embodiments of the present disclosure may be implemented by software or hardware. The name of a module does not limit the module itself in some cases. For example, the first receiving module may also be described as a "module for receiving payment requests".
[0077] The functions described above herein may be performed at least in part by one or more hardware logic components. For example, without limitation, exemplary types of hardware logic components that may be used include: field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), complex programmable logic devices (CPLDs), and the like.
[0078] In the context of the present disclosure, a machine-readable medium may be a tangible medium that may contain or store a program for use by or in conjunction with an instruction execution system, device, or apparatus. A machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or device, or any suitable combination of the foregoing. More specific examples of machine-readable storage media may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
[0079] According to one or more embodiments of the present disclosure, Example 1 provides a payment method, including: Receive payment requests; Determining a user group associated with the payment request, wherein the user group is obtained by pre-setting groups of users who require payment services; Determining whether any user in the associated user group has signed a payment agreement, wherein the payment agreement is a payment agreement effective for all users in the user group; If it is determined that a user in the associated user group has signed the payment agreement, payment services are provided based on the payment agreement.
[0080] According to one or more embodiments of the present disclosure, Example 2 provides the method of Example 1, wherein the method further includes: If it is determined that no user in the user group associated with the payment request has signed the payment agreement, the payment agreement is signed for the user group, and after the payment agreement is signed, the payment service is provided based on the signed payment agreement.
[0081] According to one or more embodiments of the present disclosure, Example 3 provides the method of Example 1 or 2, wherein the payment agreement is signed with any one of the users in the user group or with a designated user in the user group, and the payment agreement is effective for all users in the user group.
[0082] According to one or more embodiments of the present disclosure, Example 4 provides the method of Example 1 or 2, wherein the method further comprises: after providing the payment service, Determining, according to the payment request, a user in the associated user group to which the payment request is associated; According to the payment request, fund settlement is performed with the associated user.
[0083] According to one or more embodiments of the present disclosure, Example 5 provides the method of Example 1 or 2, wherein the method further includes: According to the type of payment service required, users requiring the payment service are grouped.
[0084] According to one or more embodiments of the present disclosure, Example 6 provides the method of Example 5, wherein grouping users who require the payment service according to the type of the required payment service includes: Determine the type of payment service each user requires; Group users who require the same type of payment service into the same user group.
[0085] According to one or more embodiments of the present disclosure, Example 7 provides the method of Example 1 or 2, wherein a user in the user group has signed the payment agreement, and the method further includes: receiving a request to release a payment agreement; Determining a user group associated with the payment agreement release request; The payment agreement that has been signed in the user group associated with the payment agreement release request is invalidated for all users in the user group.
[0086] According to one or more embodiments of the present disclosure, Example 8 provides a payment device, including: A first receiving module, used for receiving a payment request; A first determining module, configured to determine a user group associated with the payment request, wherein the user group is obtained by pre-setting groups of users who require payment services; A second determination module is used to determine whether any user in the associated user group has signed a payment agreement, wherein the payment agreement is a payment agreement effective for all users in the user group; The payment module is used to provide payment services based on the payment agreement if it is determined that a user in the associated user group has signed the payment agreement.
[0087] According to one or more embodiments of the present disclosure, Example 9 provides a computer-readable medium having a computer program stored thereon, which implements the steps of any of the methods described in Examples 1-7 when executed by a processing device.
[0088] According to one or more embodiments of the present disclosure, Example 10 provides an electronic device, including: a storage device having a computer program stored thereon; A processing device is used to execute the computer program in the storage device to implement the steps of any one of the methods described in Examples 1-7.
[0089] According to one or more embodiments of the present disclosure, Example 11 provides a computer program product, including a computer program, which implements the steps of any one of the methods of Examples 1-7 when executed by a processor.
[0090] The above description is only a preferred embodiment of the present disclosure and an explanation of the technical principles used. Those skilled in the art should understand that the scope of disclosure involved in the present disclosure is not limited to the technical solutions formed by a specific combination of the above technical features, but should also cover other technical solutions formed by any combination of the above technical features or their equivalent features without departing from the above disclosed concept. For example, the above features are replaced with the technical features with similar functions disclosed in the present disclosure (but not limited to) by each other.
[0091] In addition, although each operation is described in a specific order, this should not be understood as requiring these operations to be performed in the specific order shown or in a sequential order. Under certain circumstances, multitasking and parallel processing may be advantageous. Similarly, although some specific implementation details are included in the above discussion, these should not be interpreted as limiting the scope of the present disclosure. Some features described in the context of a separate embodiment can also be implemented in a single embodiment in combination. On the contrary, the various features described in the context of a single embodiment can also be implemented in multiple embodiments individually or in any suitable sub-combination mode.
[0092] Although the subject matter has been described in language specific to structural features and / or method logic actions, it should be understood that the subject matter defined in the appended claims is not necessarily limited to the specific features or actions described above. On the contrary, the specific features and actions described above are merely example forms of implementing the claims. With respect to the apparatus in the above-mentioned embodiments, the specific manner in which each module performs the operation has been described in detail in the embodiments related to the method, and will not be elaborated in detail here.
Claims
1. A payment method, characterized in that: include: Receive payment requests; Determining a user group associated with the payment request, wherein the user group is obtained by pre-setting groups of users who require payment services; Determining whether any user in the associated user group has signed a payment agreement, wherein the payment agreement is a payment agreement effective for all users in the user group; If it is determined that a user in the associated user group has signed the payment agreement, payment services are provided based on the payment agreement.
2. The method according to claim 1, characterized in that The method further comprises: If it is determined that no user in the associated user group has signed the payment agreement, the payment agreement is signed for the associated user group, and after the payment agreement is signed, the payment service is provided based on the signed payment agreement.
3. The method according to claim 1 or 2, characterized in that: The payment agreement is signed with an optional user in the user group or with a designated user in the user group, and the payment agreement is effective for all users in the user group.
4. The method according to claim 1 or 2, characterized in that: The method further comprises: after providing the payment service, Determining, according to the payment request, a user in the associated user group to which the payment request is associated; According to the payment request, fund settlement is performed with the associated user.
5. The method according to claim 1 or 2, characterized in that: The method further comprises: According to the type of payment service required, users requiring the payment service are grouped.
6. The method according to claim 5, characterized in that The grouping of users who require the payment service according to the type of the required payment service includes: Determine the type of payment service each user requires; Group users who require the same type of payment service into the same user group.
7. The method according to claim 1 or 2, characterized in that: A user in the user group has signed the payment agreement, and the method further includes: receiving a request to release a payment agreement; Determining a user group associated with the payment agreement release request; The payment agreement that has been signed in the user group associated with the payment agreement release request is invalidated for all users in the user group.
8. A payment device, characterized in that: include: A first receiving module, used for receiving a payment request; A first determining module, configured to determine a user group associated with the payment request, wherein the user group is obtained by pre-setting groups of users who require payment services; A second determination module is used to determine whether any user in the associated user group has signed a payment agreement, wherein the payment agreement is a payment agreement effective for all users in the user group; The payment module is used to provide payment services based on the payment agreement if it is determined that a user in the associated user group has signed the payment agreement.
9. A computer readable medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processing device, the steps of the method according to any one of claims 1 to 7 are implemented.
10. An electronic device, characterized in that: include: a storage device having a computer program stored thereon; A processing device, configured to execute the computer program in the storage device to implement the steps of the method according to any one of claims 1 to 7.
11. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.