Combined payment method and device, electronic equipment and computer readable storage medium
By combining the use of multiple payment balances and making payments according to preset rules, the problem of insufficient payment balance in existing payment methods is solved, and the convenience and flexibility of payment is achieved, which is suitable for multiple payment scenarios.
Patent Information
- Application Number
- CN202510137087.5
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2025-02-07
- Publication Date
- 2025-03-25
- Estimated Expiration
- Not applicable · inactive patent
AI Technical Summary
When existing payment methods face insufficient payment balance, they usually require users to give up purchasing or choose other payment methods, which increases the user's operational complexity and time cost, and lacks the processing method of small payments.
A combined payment method is proposed, which supports dynamic adjustments of multiple recharge ratios and payment ratios by defining multiple payment balances (first balance, second balance, third balance, fourth balance) and using a combination of the first balance and the second balance according to preset rules when consumers pay.
It realizes the convenience and flexibility of users when paying, reduces the complexity of the payment process, provides an experience of capital appreciation and enhanced purchasing power, and is suitable for any consumer settlement scenario and non-consumption settlement use.
Smart Images
Figure CN119692991A_ABST
Abstract
Description
Technical Field
[0001] The present invention relates to the field of payment technology, and in particular to a payment method, device, electronic device and computer-readable storage medium that can reduce the cumbersome steps of checkout payment, provide a capital appreciation experience and be compatible with the use of multiple payment balance combinations. Background Art
[0002] The payment method is a method that allows consumers to reduce the various cumbersome steps in the checkout and payment process, and complete the checkout and payment accurately, safely and quickly. It is also a modern high-tech product for non-consumption payment and transfer.
[0003] The existing payment methods in the market are basically dominated by Alipay payment method and WeChat payment method. According to the current consumer market, the above two payment methods that dominate the consumer market are all downloaded and installed by consumers (people) through their mobile devices. After the real-name authentication and bank card binding are completed, it can be realized. During the consumption process, one of the above two payment methods can be used accurately, safely and quickly to complete the settlement payment of this consumption. However, although the above two payment methods have brought convenience to everyone during the use of consumers (people), they can never deviate from the scope of just a payment (settlement) tool.
[0004] In the existing technology, users often face the problem of insufficient virtual assets and credit limits when making payments, which often results in users being unable to complete payments, thus affecting their shopping experience. When faced with insufficient payment balances, traditional payment methods usually require users to give up the purchase or choose other payment methods, which undoubtedly increases the user's operational complexity and time cost.
[0005] In addition, although the payment methods in the related technologies have solved the problem of insufficient balance of a single payment method to a certain extent, they still have many limitations. For example, users need to switch payment methods or set up payment methods in advance during the payment process, which increases the user's operation steps and complexity. At the same time, the verification process and security measures of different payment methods may be different, requiring users to verify their identities or enter passwords multiple times during the payment process, further increasing the time and trouble of payment.
[0006] More importantly, the existing payment methods are generally used for large-value payment scenarios, and do not provide corresponding processing methods for small-value payments. As a result, in small-value payment scenarios, users still face the problem of single payment methods and large payment limitations.
[0007] Therefore, in view of the large payment limitations in the existing technology and the limitations of payment methods such as complex operation and cumbersome verification, it is necessary to propose a more convenient, flexible and secure combined payment method, device, electronic device and computer-readable storage medium. Summary of the invention
[0008] The present invention aims to provide a combined payment method, device, electronic device and computer-readable storage medium, which not only inherits the convenience of existing payment methods, but also introduces a variety of balance combination payment mechanisms, providing consumers with the experience of capital appreciation and enhanced purchasing power, as well as the experience of realizing passive income for consumers.
[0009] To achieve the above objectives, the present invention is implemented through the following technical solutions.
[0010] A combined payment method, comprising the following steps:
[0011] a) Define various payment balances, including:
[0012] The first balance represents the RMB balance, which is associated with the bound bank card balance and supports payment, transfer, recharge, withdrawal, purchase and bank card binding functions;
[0013] The second balance is a balance named after a physical or virtual object, which supports payment, recharge and bank card binding functions, where the recharge ratio is a preset ratio between the first balance and the second balance, such as 1.2:2;
[0014] The third balance is a balance named after a physical or virtual object, which supports cash withdrawal and bank card binding functions;
[0015] The fourth balance is a balance named after a physical or virtual object, which supports withdrawal, bank card binding, sale and transfer functions;
[0016] b) When the consumer makes a payment, according to the above preset rules, the first balance and the second balance are used to complete the payment, wherein the first balance pays 50% or 80% of the consumption amount, and the second balance pays the remaining 20% or 50%;
[0017] c) The second balance is obtained through recharging. The recharging ratio can be set in various ways according to the actual situation, including 3:4, 3:5, 4:5, and 9:10;
[0018] d) The payment ratio of the first balance and the second balance and the recharge ratio of the second balance shall be based on a fixed ratio before implementation and shall be set and adjusted in the intelligent processing module;
[0019] Furthermore, the combined payment method is applicable to any consumption settlement scenario and non-consumption settlement usage, including transfers and separate payment settings.
[0020] Furthermore, the intelligent processing module realizes its functions through the following technical means:
[0021] (1) The payment ratio of the first balance and the second balance and the recharge ratio of the second balance are preset as fixed values and stored in an internal data structure;
[0022] (2) provide a user interface that allows these ratios to be adjusted dynamically, while implementing authentication and permission checks to ensure security;
[0023] (3) Using the payment decision algorithm, intelligently select the optimal payment strategy based on the current balance and the preset / adjusted ratio;
[0024] (4) Monitor the payment process in real time, handle exceptions and errors, ensure payment accuracy and security, and work with other modules through internal interfaces.
[0025] A device for implementing the above-mentioned combined payment method comprises:
[0026] A balance management module, used to define and manage multiple payment balances, including a first balance, a second balance, a third balance, and a fourth balance, as well as conversion and recharge rules therebetween;
[0027] A payment processing module, configured to complete payment using a combination of the first balance and the second balance according to a preset rule;
[0028] A recharge management module, used to process the recharge operation of the second balance, supporting multiple recharge ratios;
[0029] An intelligent processing module, used to set and adjust the payment ratio of the first balance and the second balance and the recharge ratio of the second balance, and control the entire payment process;
[0030] User interface module, used to display payment information, balance information and recharge information for users to view and operate;
[0031] The output end of the balance management module is connected to the input end of the payment processing module, the recharge management module and the intelligent processing module to provide balance information; the input end of the payment processing module is connected to the balance management module and the intelligent processing module to complete the payment according to the preset rules and payment ratio; the input end of the recharge management module is connected to the balance management module and the intelligent processing module to process the recharge operation; the output end of the intelligent processing module is connected to the balance management module, the payment processing module, the recharge management module and the user interface module to set and adjust the payment and recharge ratios and control the process; the input end of the user interface module is connected to the balance management module, the payment processing module and the recharge management module to display relevant information.
[0032] An electronic device comprises the above-mentioned combined payment device, as well as a processor, a memory and an input-output device for executing the functions of each module in the device.
[0033] A computer-readable storage medium stores a computer program, which implements the steps of the above-mentioned combined payment method when executed by a processor.
[0034] The combined payment method, device, electronic device and computer-readable storage medium of the present invention achieve improvements and beneficial effects over the prior art in the following ways:
[0035] 1. Provide diversified payment methods: The present invention solves the problem of insufficient balance of a single payment method by combining and using multiple payment balances (such as RMB balance, points, and coupons) to complete payment. This provides users with more flexible and diverse payment method options and improves the convenience and flexibility of payment.
[0036] 2. Simplify the payment process: The combined payment method of the present invention does not require the user to switch payment methods during the payment process or set the payment method in advance, thereby simplifying the payment process and reducing the user's operation steps and complexity, which helps to improve the user's payment experience and shorten the payment time.
[0037] 3. Promote financial inclusion: The combined payment method of the present invention enables users who are unfamiliar with or unable to use mobile smart devices to participate in digital payments, thereby promoting the development of financial inclusion, which helps to expand the audience range of digital payments and promote the digital transformation of the financial industry.
[0038] 4. Wide range of application scenarios: The combined payment method of the present invention is applicable to any consumption settlement scenario and non-consumption settlement use, including but not limited to transfers, separate payment settings, etc. This provides users with a wider range of payment application scenario choices and meets payment needs in different scenarios.
[0039] In summary, the combined payment method, device, electronic device and computer-readable storage medium of the present invention achieve significant improvements and beneficial effects on the existing technology by providing diversified payment methods, simplifying payment processes, promoting financial inclusion and a wide range of application scenarios. BRIEF DESCRIPTION OF THE DRAWINGS
[0040] Figure 1 This is a flow chart of the implementation of the combined payment method of the present invention;
[0041] Figure 2 It is a system structure diagram of the device for implementing the combined payment method in the present invention. DETAILED DESCRIPTION
[0042] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Generally, the components of the embodiments of the present invention described and shown in the drawings here can be arranged and designed in various different configurations.
[0043] Example:
[0044] 1. Specific implementation of the combined payment method
[0045] Implementation steps:
[0046] Define multiple payment balances:
[0047] First Balance: represents the RMB balance, which is associated with the bound bank card balance and supports payment, transfer, recharge, withdrawal, purchase and bank card binding functions;
[0048] Second balance: a balance named after a physical or virtual object (such as points, coupons, etc.), which supports payment, recharge and bank card binding functions. The recharge ratio is the preset ratio between the first balance and the second balance (such as 1.2:2);
[0049] Third balance: balance named after physical or virtual objects, supports cash withdrawal and bank card binding functions;
[0050] The fourth balance is a balance named after a physical or virtual object, which supports withdrawal, bank card binding, sale and transfer functions.
[0051] Payment Processing:
[0052] When a consumer makes a payment, the system automatically selects to use a combination of the first balance and the second balance to complete the payment based on the above preset rules. For example, the first balance can be set to pay 50% or 80% of the consumption amount, and the second balance can be set to pay the remaining 20% or 50%.
[0053] Recharge and purchase:
[0054] The second balance can be obtained through recharging, and the recharging ratio can be set to a variety of ratios (including 3:4, 3:5, 4:5, 9:10) according to actual conditions.
[0055] Payment ratio and recharge ratio settings:
[0056] The payment ratio of the first balance and the second balance and the recharge ratio of the second balance shall be based on a fixed ratio before implementation and shall be set and adjusted in the intelligent processing module.
[0057] Among them, the intelligent processing module realizes its functions through the following technical means:
[0058] (1) The payment ratio of the first balance and the second balance and the recharge ratio of the second balance are preset as fixed values and stored in an internal data structure;
[0059] (2) provide a user interface that allows these ratios to be adjusted dynamically, while implementing authentication and permission checks to ensure security;
[0060] (3) Using the payment decision algorithm, intelligently select the optimal payment strategy based on the current balance and the preset / adjusted ratio;
[0061] (4) Monitor the payment process in real time, handle exceptions and errors, ensure payment accuracy and security, and work with other modules through internal interfaces.
[0062] Application scenarios:
[0063] This combined payment method is applicable to any consumption settlement scenario and non-consumption settlement use, including but not limited to transfers, separate payment settings, etc.
[0064] Example:
[0065] Assume that a consumer purchases goods on an e-commerce platform with a total price of 100 yuan. According to the rules of the combined payment method, the system can choose to use a first balance of 50 yuan and a second balance of 50 yuan to complete the payment (or allocate according to other preset proportions); if the second balance is less than 50 yuan, you can first obtain sufficient second balance through recharge before making payment.
[0066] 2. Specific implementation of the combined payment device
[0067] Device composition:
[0068] Balance management module: used to define and manage multiple payment balances, including the first balance, the second balance, the third balance and the fourth balance, as well as the conversion and recharge rules between them;
[0069] Payment processing module: used to complete payment using a combination of the first balance and the second balance according to a preset rule;
[0070] Recharge management module: used to process the recharge operation of the second balance, supporting multiple recharge ratios;
[0071] Intelligent processing module: used to set and adjust the payment ratio of the first balance and the second balance and the recharge ratio of the second balance, and control the entire payment process;
[0072] User interface module: used to display payment information, balance information, recharge information, etc. for users to view and operate.
[0073] Among them, the output end of the balance management module is connected to the input end of the payment processing module, the recharge management module and the intelligent processing module to provide balance information; the input end of the payment processing module is connected to the balance management module and the intelligent processing module to complete the payment according to the preset rules and payment ratio; the input end of the recharge management module is connected to the balance management module and the intelligent processing module to process the recharge operation; the output end of the intelligent processing module is connected to the balance management module, the payment processing module, the recharge management module and the user interface module to set and adjust the payment and recharge ratios and control the process; the input end of the user interface module is connected to the balance management module, the payment processing module and the recharge management module to display relevant information.
[0074] Specifically,
[0075] (1) Balance management module:
[0076] Relationship with other modules: The balance management module is the core of the payment system. It defines multiple payment balances (first balance, second balance, third balance, fourth balance) and their conversion and recharge rules, which are referenced and executed by other modules;
[0077] Data flow: Balance information (including the balance amount of each balance, recharge rules, etc.) flows from the balance management module to the payment processing module, recharge management module and intelligent processing module.
[0078] (2) Payment processing module:
[0079] Relationship with the balance management module: the payment processing module obtains the balance information of the first balance and the second balance from the balance management module according to preset rules, and uses their combination to complete the payment;
[0080] Relationship with the intelligent processing module: The payment processing module also determines the usage of each balance based on the payment ratio set by the intelligent processing module;
[0081] Data flow: Payment result information flows from the payment processing module to the user interface module.
[0082] (3) Recharge management module:
[0083] Relationship with the balance management module: The recharge management module processes the recharge operation of the second balance, and performs recharge according to the recharge rules defined by the balance management module;
[0084] Relationship with the intelligent processing module: The recharge management module also determines the recharge amount based on the recharge ratio set by the intelligent processing module;
[0085] Data flow: Recharge result information flows from the recharge management module to the balance management module and the user interface module.
[0086] (4) Intelligent processing module:
[0087] Relationship with other modules: The intelligent processing module is the control center of the payment system. It dynamically sets and adjusts the payment ratio of the first balance and the second balance, as well as the recharge ratio of the second balance, based on factors such as user preferences and payment scenarios. It also controls the entire payment process to ensure the efficiency and security of the payment process.
[0088] Specifically,
[0089] 1) Setting and adjusting payment ratio and recharge ratio
[0090] Preset fixed ratio:
[0091] During the system initialization or configuration phase, the intelligent processing module presets the payment ratio of the first balance and the second balance and the recharge ratio of the second balance to fixed values according to business requirements or user preferences;
[0092] These preset ratios are stored in the internal data structure of the intelligent processing module for use in subsequent payment and recharge operations.
[0093] Dynamic adjustment function:
[0094] The intelligent processing module provides a user interface or API, allowing users to dynamically adjust the payment ratio and recharge ratio under certain conditions;
[0095] Adjustment operations may involve security mechanisms such as user identity verification and permission checks to ensure the legitimacy and security of the adjustment;
[0096] The adjusted ratio will be updated in real time to the internal data structure of the intelligent processing module and will take effect immediately in subsequent payment and recharge operations.
[0097] 2) Payment process control
[0098] Payment decision algorithm:
[0099] The intelligent processing module decides which balance or balance combination to use to complete the payment based on the preset or adjusted payment ratio and the current balance of each balance;
[0100] The algorithm may consider factors such as payment amount, balance usage priority, user preferences, etc. to achieve the optimal payment strategy.
[0101] Process monitoring and exception handling:
[0102] The intelligent processing module monitors the status of the payment process in real time, including the processing progress of the payment request, balance deduction, payment results, etc.
[0103] When an exception or error occurs, the intelligent processing module can automatically trigger the exception handling mechanism, such as retrying payment, refunding operations, etc., to ensure the accuracy and security of payment.
[0104] Interaction with other modules:
[0105] The intelligent processing module interacts with the balance management module, payment processing module, recharge management module, etc. through internal interfaces or message queues to achieve real-time synchronization of data and coordinated control of processes.
[0106] To summarize, the intelligent processing module realizes the setting and adjustment of payment ratio and recharge ratio and effective control of payment process through technical means such as preset fixed ratio, dynamic adjustment function, payment decision algorithm, process monitoring and exception handling, and interaction with other modules.
[0107] Data flow: The intelligent processing module sends setting and adjustment instructions to the balance management module, payment processing module and recharge management module, and receives the status information returned by them;
[0108] Specifically,
[0109] 1) Sending instructions
[0110] Internal API calls:
[0111] The intelligent processing module sends instructions to the balance management module, payment processing module and recharge management module by defining internal API interfaces;
[0112] These API interfaces use standard request and response formats to ensure accurate transmission and receipt of instructions.
[0113] Instruction package:
[0114] Before sending the command, the intelligent processing module encapsulates the command information into a specific data structure or message format;
[0115] The encapsulated information includes instruction type, parameters, target module, etc. to ensure that the target module can correctly parse and execute instructions.
[0116] Asynchronous communication mechanism:
[0117] The intelligent processing module uses an asynchronous communication mechanism to send instructions to improve the system's concurrent processing capabilities and response speed;
[0118] Asynchronous transmission and reception of instructions are achieved through middleware such as message queues or event buses.
[0119] 2) Status information reception
[0120] Callback mechanism:
[0121] After receiving and executing the instruction, the target module returns the status information to the intelligent processing module through the callback mechanism;
[0122] The callback information includes the execution result, error code, execution time, etc., so that the intelligent processing module can perform subsequent processing or decision-making.
[0123] Status information analysis:
[0124] After receiving the callback information, the intelligent processing module parses and processes the information;
[0125] Based on the analysis results, the intelligent processing module can update the internal status, trigger subsequent processes, or feedback the execution results to the user.
[0126] Error handling and retry mechanism:
[0127] If the target module encounters an error or fails when executing instructions, the intelligent processing module can capture the error and take appropriate measures;
[0128] Possible processing measures include recording error logs, sending error notifications to users, retrying instructions, etc.
[0129] To summarize, the intelligent processing module realizes the function of sending setting and adjustment instructions to the balance management module, payment processing module and recharge management module, and receiving the status information returned by them through technical means such as internal API calls, instruction encapsulation, asynchronous communication mechanism, callback mechanism, status information parsing, error handling and retry mechanism.
[0130] (5) User interface module:
[0131] Relationship with other modules: The user interface module is the interface for users to interact with the payment system. It displays payment information, balance information, and recharge information for users to view and operate. The user interface module also receives user input instructions and passes them to the corresponding modules for execution;
[0132] Data flow: The user interface module obtains display information from the balance management module, payment processing module and recharge management module, and passes user input instructions to the intelligent processing module or other related modules;
[0133] In summary, the modules are closely logically connected through data flow and instruction transmission, and together constitute a device for implementing the combined payment method.
[0134] Example:
[0135] The combined payment device can be integrated into the backend system of an e-commerce platform or a payment platform, and interact with the front-end user interface through an API interface; when a user chooses to use a combined payment method to make a payment, the device will automatically calculate and display the distribution of various payment balances for the user to confirm and complete the payment.
[0136] 3. Specific implementation of electronic equipment
[0137] Electronic equipment composition:
[0138] The electronic device may include basic components such as a processor, a memory, input and output devices, and the above-mentioned combined payment device; the processor is used to execute the computer program stored in the memory to realize the functions of the combined payment method; the input and output devices are used to interact with the user, such as displaying payment information and receiving user input.
[0139] Example:
[0140] Mobile devices such as smart phones and tablet computers can be used as an implementation method of electronic devices. These devices are usually equipped with high-performance processors and large-capacity memory, as well as input and output devices such as touch screens. By installing payment applications containing combined payment devices on these devices, users can use combined payment methods to pay anytime and anywhere.
[0141] 4. Specific Implementation of Computer-readable Storage Medium
[0142] Storage Media Type:
[0143] Computer-readable storage media can be any medium that can store a computer program and be executed by a processor, including hard disks, USB flash drives, mobile hard disks, magnetic disks, optical disks, computer memories (such as RAM, ROM), and read-only memories (such as CD-ROM, DVD-ROM).
[0144] Example:
[0145] A computer program including the combined payment method can be stored on a computer-readable storage medium, and by connecting the medium to an electronic device (such as a computer, server, etc.), the electronic device can execute the program and implement the functions of the combined payment method; for example, the program can be packaged into an installation package file (such as .exe, .apk, etc. format) and provided to users for installation and use through network download or physical media transmission.
[0146] In summary, the specific implementation methods of the combined payment method, device, electronic device and computer-readable storage medium can be flexibly designed and adjusted according to actual needs and application scenarios. By implementing these technical solutions, users can be provided with more convenient, safe and flexible payment options.
[0147] Specific application examples:
[0148] Application Background
[0149] In order to improve user experience and increase user stickiness, an e-commerce platform decided to introduce a combination payment method. The platform has a large number of registered users, who often encounter insufficient payment balances when shopping on the platform. Traditional payment methods require users to either give up the purchase or choose other payment methods (such as bank card payment, third-party payment, etc.), which undoubtedly increases the user's operation complexity and time cost. Therefore, the platform decided to adopt a combination payment method, allowing users to combine multiple payment balances (such as platform balance, points, coupons, etc.) to complete payment.
[0150] 1. Implementation of combined payment methods
[0151] Defining payment balances: The platform defines a variety of payment balances, including platform balances (i.e., balances earned by users through top-ups or shopping on the platform), points (points earned by users through participating in platform activities), coupons (shopping coupons issued by the platform), etc.
[0152] Payment rule setting: The platform sets payment rules, allowing users to use a combination of platform balance, points and coupons to complete payment; for example, users can choose to use 50% of the platform balance and 50% of the points to complete payment, or choose to use the platform balance to pay part of the amount and use coupons to deduct the remaining amount;
[0153] Payment process optimization: The platform has optimized the payment process so that users do not need to perform complicated operations or verifications when choosing a combination payment method. Users only need to select the corresponding payment balance and payment ratio on the payment page to complete the payment.
[0154] 2. Implementation of combined payment device
[0155] Balance management module: The platform has developed a balance management module to manage users' various payment balances. The module can update users' balance information in real time and support users to perform operations such as recharge and withdrawal;
[0156] Payment processing module: The platform has developed a payment processing module to process user payment requests. The module can automatically calculate and deduct the corresponding payment balance based on the payment method and payment ratio selected by the user;
[0157] User interface module: The platform has developed a user interface module to display payment information to users. This module can display the user's payment balance, payment ratio, payment amount and other information, and support users to make selections and confirmations.
[0158] 3. Implementation of electronic devices
[0159] E-commerce platform APP: The platform integrates the combined payment method into the e-commerce platform APP. Users only need to download and install the APP to use the combined payment method when shopping;
[0160] Smart device support: The platform also takes into account the support of smart devices. For example, users can access the e-commerce platform APP through smart devices such as smartphones and tablets, and use combined payment methods to complete payment.
[0161] 4. Implementation of Computer-readable Storage Medium
[0162] Program storage: The platform stores the computer program of the combined payment method on a computer-readable storage medium, which may be a hard disk, a USB flash drive, a mobile hard disk, etc.;
[0163] Program execution: When a user accesses an e-commerce platform app through an electronic device, a computer program is loaded into memory and executed, allowing the user to use a combination payment method when shopping.
[0164] Application Effect
[0165] By introducing a combination payment method, the e-commerce platform achieved the following results:
[0166] Improved user experience: Users no longer need to worry about insufficient payment balance and can complete payment more conveniently;
[0167] Increased user stickiness: Combined payment methods provide users with more payment options, increasing their reliance and loyalty to the platform;
[0168] Promoted platform development: The introduction of combined payment methods promoted the growth of platform transaction volume and brought more revenue to the platform.
[0169] In summary, the application examples of the combined payment method, device, electronic device and computer-readable storage medium in the e-commerce platform show that they can significantly improve the user experience, increase user stickiness, and promote the development of the platform.
[0170] The present invention and its embodiments are described above, and such description is not restrictive. The drawings show only one embodiment of the present invention, and the actual structure is not limited thereto. In short, if ordinary technicians in the field are inspired by it, without departing from the purpose of the invention, they can design a structure and embodiment similar to the technical solution without creativity, which should belong to the protection scope of the present invention.
Claims
1. A combined payment method, characterized in that: The following steps are involved: a) Define various payment balances, including: The first balance represents the RMB balance, which is associated with the bound bank card balance and supports payment, transfer, recharge, withdrawal, purchase and bank card binding functions; The second balance is a balance named after a physical or virtual object, which supports payment, recharge and bank card binding functions, where the recharge ratio is a preset ratio between the first balance and the second balance, such as 1.2:2; The third balance is a balance named after a physical or virtual object, which supports cash withdrawal and bank card binding functions; The fourth balance is a balance named after a physical or virtual object, which supports withdrawal, bank card binding, sale and transfer functions; b) When the consumer makes a payment, according to the above preset rules, the first balance and the second balance are used to complete the payment, wherein the first balance pays 50% or 80% of the consumption amount, and the second balance pays the remaining 20% or 50%; c) The second balance is obtained through recharging. The recharging ratio can be set in various ways according to the actual situation, including 3:4, 3:5, 4:5, and 9:10; d) The payment ratio of the first balance and the second balance and the recharge ratio of the second balance shall be based on a fixed ratio before implementation and shall be set and adjusted in the intelligent processing module.
2. A combined payment method according to claim 1, characterized in that: This combined payment method is applicable to any consumption settlement scenario and non-consumption settlement use, including transfers and separate payment settings.
3. A combined payment method according to claim 1, characterized in that: The intelligent processing module realizes its functions through the following technical means: (1) The payment ratio of the first balance and the second balance and the recharge ratio of the second balance are preset as fixed values and stored in an internal data structure; (2) provide a user interface that allows these ratios to be adjusted dynamically, while implementing authentication and permission checks to ensure security; (3) Using the payment decision algorithm, intelligently select the optimal payment strategy based on the current balance and the preset / adjusted ratio; (4) Monitor the payment process in real time, handle exceptions and errors, ensure payment accuracy and security, and work with other modules through internal interfaces.
4. A device for implementing the above-mentioned combined payment method, characterized in that: include: A balance management module, used to define and manage multiple payment balances, including a first balance, a second balance, a third balance, and a fourth balance, as well as conversion and recharge rules therebetween; A payment processing module, configured to complete payment using a combination of the first balance and the second balance according to a preset rule; A recharge management module, used to process the recharge operation of the second balance, supporting multiple recharge ratios; An intelligent processing module, used to set and adjust the payment ratio of the first balance and the second balance and the recharge ratio of the second balance, and control the entire payment process; User interface module, used to display payment information, balance information and recharge information for users to view and operate; The output end of the balance management module is connected to the input end of the payment processing module, the recharge management module and the intelligent processing module to provide balance information; the input end of the payment processing module is connected to the balance management module and the intelligent processing module to complete the payment according to the preset rules and payment ratio; the input end of the recharge management module is connected to the balance management module and the intelligent processing module to process the recharge operation; the output end of the intelligent processing module is connected to the balance management module, the payment processing module, the recharge management module and the user interface module to set and adjust the payment and recharge ratios and control the process; the input end of the user interface module is connected to the balance management module, the payment processing module and the recharge management module to display relevant information.
5. An electronic device, characterized in that: It includes the above-mentioned combined payment device, as well as a processor, a memory and an input-output device for executing the functions of each module in the device.
6. A computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of the above-mentioned combined payment method.