Payment method and system, electronic device, medium and program product

Abstract

The invention provides a payment method and system, electronic equipment, a medium and a program product, which can be used in the field of data processing. The method comprises the steps of obtaining a card package graphic code and a payment request which are sent by an acquirer and shown by a user terminal, obtaining a payment amount of a target commodity purchased by a user associated with the user terminal according to the payment request, and identifying the card package graphic code to obtain a member identifier corresponding to the user; obtaining each first digital welfare credential bound with the member identifier, and determining a plurality of target digital welfare credentials in each first digital welfare credential according to the payment amount of the target commodity; and generating a payment instruction according to each target digital welfare credential and the payment amount, and sending the payment instruction to a first institution distributing the target digital welfare credential. According to the invention, the commodity payment process of the welfare card is simplified.

Description

Technical Field

[0001] The present application relates to the field of data processing, and in particular to a payment method, system, electronic device, medium and program product. Background Art

[0002] With the development of network technology, more and more payment methods have emerged. When users pay for work, they can use unit settlement cards, business cards, official cards, etc. to complete the payment; when the union distributes benefits, users can use the distributed exchange coupons, cake cards, park annual passes and shopping cards to complete the payment.

[0003] The above welfare card can be bound to the payment tool on the user terminal in the form of an electronic welfare card package. When the user needs to make a payment, he / she selects the bound electronic welfare card package on the user terminal to make the payment.

[0004] A user can hold multiple electronic welfare card packages, and the amount of each electronic welfare card package is fixed. When a user purchases goods, if the payment amount of the goods is large, the user needs to frequently switch the electronic welfare card package on the user terminal to pay for the goods, resulting in a cumbersome process for users to use welfare cards to pay for goods. Summary of the invention

[0005] The present application provides a payment method, system, electronic device, medium and program product, which solves the problem of cumbersome procedures for users to pay for goods with welfare cards.

[0006] In a first aspect, the present application provides a payment method, comprising:

[0007] Obtain the card package graphic code and payment request sent by the acquiring institution and obtained the payment amount of the user associated with the user terminal to purchase the target product according to the payment request, and identify the card package graphic code to obtain the member ID corresponding to the user;

[0008] Obtain each first digital welfare voucher bound to the member identification, and determine multiple target digital welfare vouchers from each first digital welfare voucher according to the payment amount of the target commodity, wherein the sum of the amounts of each target digital welfare voucher is greater than or equal to the payment amount;

[0009] A payment instruction is generated according to each of the target digital welfare credentials and the payment amount, and the payment instruction is sent to a first institution that distributes the target digital welfare credentials, so that the first institution can pay for the goods based on the amount of the target digital welfare credentials.

[0010] In some embodiments, determining a plurality of target digital welfare credentials from each of the first digital welfare credentials according to the payment amount of the commodity includes:

[0011] Acquire each reference factor of each of the first digital welfare credentials, each of the reference factors including the validity period, amount, and usage scenario of the first digital welfare credentials;

[0012] Determining a recommendation weight corresponding to the first digital welfare credential according to various reference factors of the first digital welfare credential;

[0013] sorting the first digital welfare credentials in descending order of the recommendation weights;

[0014] A plurality of first digital welfare credentials ranked in front are obtained as target digital welfare credentials, and the sum of the amounts of the target digital welfare credentials is greater than or equal to the payment amount.

[0015] In some embodiments, the obtaining of each first digital welfare credential bound to the membership identification includes:

[0016] Acquire each initial digital welfare credential bound to the member ID, and acquire each commodity associated with each initial digital welfare credential;

[0017] In a case where the target commodity is included in each commodity associated with the initial digital welfare credential, the initial digital welfare credential is determined as the first digital welfare credential bound to the member identification.

[0018] In some embodiments, after sending the payment instruction to the first institution that issues the target digital benefit credential, the method further includes:

[0019] Receiving payment completion information sent by the first institution;

[0020] Acquire the deducted amount of the target digital welfare voucher according to the payment completion information;

[0021] The monetary amount of the target digital welfare credential is updated according to the deducted amount of the target digital welfare credential.

[0022] In some embodiments, updating the amount of the target digital welfare credential according to the deducted amount of the target digital welfare credential includes:

[0023] When the deducted amount of the target digital welfare credential is equal to the amount of the target digital welfare credential, the binding between the target digital welfare credential and the member identification is released, and the target digital welfare credential is deleted.

[0024] In some embodiments, before obtaining the card package graphic code sent by the acquiring institution and presented by the user terminal, the method further includes:

[0025] Receive an activity application request sent by an activity union organization, and parse the activity application request to obtain the membership ID of the user, the activity amount allocated to the user, the validity period and the usage scenario corresponding to the activity amount, and the second organization corresponding to the account where the activity amount is located;

[0026] Generate a credential application request according to the activity amount, the validity period, and the usage scenario, and send the credential application request to the second institution;

[0027] A second digital welfare credential fed back by the second institution based on the credential application request is received, and the second digital welfare credential is bound to the member identification.

[0028] In some embodiments, before receiving the activity application request sent by the activity union organization, the method further includes:

[0029] Receiving a membership application request sent by an activity union organization, and obtaining the identity information of the user and the organization information of the activity union organization according to the membership application request;

[0030] A member ID corresponding to the user is generated according to the identity information and the organization information, and the member ID is sent to the activity union organization.

[0031] In some embodiments, after receiving the second digital benefit credential fed back by the second institution based on the credential application request, the method further includes:

[0032] receiving a second digital welfare credential and an activity identifier fed back by the second institution based on the credential application request, and sending the activity identifier to the activity union institution;

[0033] receiving an activity bill acquisition request carrying the activity identifier sent by the activity union organization, and sending the activity bill acquisition request to a second organization;

[0034] Receive usage information of the digital welfare credential sent by the second organization, and send the usage information to the activity union organization.

[0035] In a second aspect, the present application provides a payment system, comprising:

[0036] The first acquisition module is used to acquire the card package graphic code and the payment request sent by the acquiring institution and obtain the payment amount of the user associated with the user terminal to purchase the target product according to the payment request, and identify the card package graphic code to obtain the member ID corresponding to the user;

[0037] A second acquisition module is used to acquire each first digital welfare voucher bound to the member identification, and determine multiple target digital welfare vouchers from each first digital welfare voucher according to the payment amount of the target commodity, and the sum of the amount of each target digital welfare voucher is greater than or equal to the payment amount;

[0038] A generation module is used to generate a payment instruction according to each of the target digital welfare credentials and the payment amount, and send the payment instruction to a first institution that distributes the target digital welfare credentials, so that the first institution can pay for the goods based on the amount of the target digital welfare credentials.

[0039] In a third aspect, the present application provides an electronic device, comprising: a processor, and a memory and a communication interface communicatively connected to the processor;

[0040] The communication interface is used to communicate with other communication devices;

[0041] The memory is used to store computer-executable instructions;

[0042] The processor is used to execute the computer-executable instructions stored in the memory to implement the payment method provided in the first aspect.

[0043] In a fourth aspect, the present application provides a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, the payment method provided in the first aspect is implemented.

[0044] In a fifth aspect, the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the payment method provided in the first aspect.

[0045] The payment method, system, electronic device, medium and program product provided in the present application obtain the card package graphic code presented by the user terminal sent by the acquiring institution, and identify the card package graphic code to determine the target commodity purchased by the user associated with the user terminal and the member ID associated with the user, obtain each digital welfare voucher bound to the member ID, and determine multiple target digital welfare vouchers in each first digital welfare voucher based on the payment amount of the target commodity, so that the amount of each digital welfare voucher is greater than or equal to the payment amount, generate a payment instruction through each target digital welfare voucher and the payment amount, and send the payment instruction to the first institution that distributes the target digital welfare voucher, so that the first institution can pay for the target commodity based on the amount of the target digital welfare voucher. In the present application, the welfare card is bound to the user's member ID in the form of a digital welfare voucher. When purchasing goods, the user only needs to issue a card package QR code to automatically select multiple digital welfare vouchers bound to the member ID to purchase the goods, without the user having to switch multiple electronic welfare card packages to pay for goods, which simplifies the process of paying for goods with the welfare card and improves the user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0046] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0047] Figure 1 This is a schematic diagram of the scenarios involved in the payment method of this application;

[0048] Figure 2 The payment method of this embodiment is shown in the following steps: Figure 1 ;

[0049] Figure 3 The payment method of this embodiment is shown in the following steps: Figure 2 ;

[0050] Figure 4 The payment method of this embodiment is shown in the following steps: Figure 3 ;

[0051] Figure 5 The payment method of this embodiment is shown in the following steps: Figure 4 ;

[0052] Figure 6 A schematic diagram of the association between the member ID and the digital benefit credential for this application;

[0053] Figure 7 The payment method of this embodiment is shown in the following steps: Figure 5 ;

[0054] Figure 8A schematic diagram of a program module of a payment system provided in an embodiment of the present application;

[0055] Fig. 9 A schematic diagram of the hardware structure of an electronic device provided in an embodiment of the present application.

[0056] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0057] In order to make the purpose, technical scheme and advantages of the embodiments of the present application clearer, the technical scheme in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, rather than all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present application. In addition, although the disclosure in the present application is introduced according to one or several exemplary examples, it should be understood that each aspect of these disclosures can also constitute a complete implementation method separately.

[0058] It should be noted that the brief description of terms in this application is only for the convenience of understanding the embodiments described below, and is not intended to limit the embodiments of this application. Unless otherwise specified, these terms should be understood according to their common and usual meanings.

[0059] In addition, the terms "include" and "have" and any variations thereof are intended to cover but not exclude inclusion, for example, a product or device comprising a list of components is not necessarily limited to those components expressly listed but may include other components not expressly listed or inherent to such products or devices.

[0060] The term "module" used in the embodiments of the present application refers to any known or later developed hardware, software, firmware, artificial intelligence, fuzzy logic, or a combination of hardware and / or software code that can perform the functions associated with the element.

[0061] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant laws, regulations and standards, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0062] At present, the common payment methods for employees' official expenditure scenarios are: individuals advance payment and then reimburse, and a small number of companies use unit settlement cards, business cards, official cards, etc. to complete employee travel and small purchases. In terms of union welfare, physical vouchers, electronic exchange vouchers, cake cards, park annual tickets, etc. are generally purchased or procured collectively through corporate accounts. Compared with fast and convenient personal digital payments, the online and digital payment of official expenditure-related scenarios has progressed slowly, and there are many types of payment methods but the versatility is insufficient, which has not only caused the behavioral separation between employees and personal and official payments, but also hindered the digital transformation of enterprises. At present, the form of welfare distribution is mainly physical or physical offline vouchers. Since the types, quantity and quality of the union's selected products cannot meet the needs of employees at the same time, employees have mixed opinions on the work of the union; some companies issue digital welfare vouchers and gift cards through cooperation with third-party companies. Although it has enriched employees' choices to a certain extent, the scope of use is still limited to the scope of the enterprise. At the same time, the bidding, evaluation and other work of the service provider and related service fees have increased the burden and economic cost of grassroots unions.

[0063] With the development of digitalization and informatization, the trend of digitalization in the issuance and management of union welfare is becoming more and more obvious. In order to further improve member satisfaction, improve the service level of unions, and promote the refined management of union welfare, some regions have built welfare issuance platforms to realize the transformation idea of ​​digital issuance of welfare redemption vouchers and reasonably expand the scope of use. At present, the market urgently needs a digital transformation solution for welfare issuance scenarios. In this context, this application takes the welfare issuance scenario as the starting point and proposes a payment method based on digital welfare vouchers that can be widely used in related scenarios such as official expenditures and the use of union welfare.

[0064] In the exemplary technology, welfare distribution is currently mainly in the form of physical goods or physical offline pickup coupons. A small number of companies distribute digital welfare coupons and gift cards through cooperation with third-party companies.

[0065] Distribution model of physical goods and physical delivery coupons: Grassroots trade unions select supermarkets and agree with supermarket staff on the types, quantities, and physical delivery methods of goods. After signing the contract, payment is completed, and the supermarket issues an invoice for the trade union. For physical goods, the supermarket delivers the goods to the trade union, which then issues them; for delivery coupons, the supermarket prints the corresponding delivery coupons and hands them over to the trade union. Subsequent members can redeem the designated goods at the designated location with the delivery coupons issued by the trade union.

[0066] Through the cooperative distribution model of third-party enterprises: the grassroots trade union completes the bidding and evaluation process, selects the third-party cooperative enterprise, signs the contract and agrees on the payment method. The third-party enterprise prints the pickup voucher and hands it to the trade union. Subsequent members complete the package selection and commodity exchange through the designated online exchange method, and the logistics company completes the delivery of the commodity. After the exchange cycle ends, the enterprise completes the payment of the remaining funds according to the actual exchange situation, and the third-party enterprise issues an invoice to the trade union.

[0067] For the above exemplary technologies, the inventors of the present application have found several disadvantages or problems:

[0068] 1. Currently, the cooperative merchants for each welfare distribution are fixed, and the content of redeemable goods is limited, which cannot meet the diverse demands of members and leads to low member satisfaction.

[0069] 2. Physical vouchers and digital exchange vouchers generally have the characteristics of short validity, multiple issuance, and bearer, which makes it cumbersome for members to keep them and they cannot be replaced after being lost, resulting in economic losses. In addition, the exchange method of digital exchange vouchers is also closely related to the service provider. For some middle-aged and elderly members, the change of exchange method has high learning costs and difficulty in operation.

[0070] 3. Union fees are not used efficiently. If full payment is made in advance, the safety of union fees and the quality of welfare products cannot be fully guaranteed, the union cannot enjoy normal income from funds, some vouchers are not redeemed but funds cannot be returned, resulting in waste of membership fees. If the actual settlement is made afterwards, merchants or third-party service providers will usually include service fees such as advance payment costs into the overall quotation, increasing the expenditure of membership fees; the reconciliation process is cumbersome and long, increasing the cost of union management.

[0071] 4. Supervision of welfare expenses tends to be post-event and lacks refined management methods. The quality and efficiency of supervision work needs to be further improved.

[0072] 5. To ensure the usability and innovation in the official expenditure scenario, after analyzing the unit settlement card, business card and official card, it was found that: although they have achieved the clarity of fund use and the use control of some scenarios to a certain extent, there are also related problems: the application process of the relevant cards is cumbersome, and is limited to some scenarios such as travel or small purchases, and cannot be applied to all official expenditure scenarios; after the relevant cards are issued, they do not support direct control by enterprises and do not have the ability to customize control strategies. Card-related control mainly relies on the self-discipline of employees and their understanding of the scope of use. Enterprises need to invest high employee training costs and subsequent exception handling costs, and the convenience is insufficient; due to the relevant principles of financial prudence for public payments, many companies generally do not apply for relevant cards for employees, and a small number of companies only apply for a few employees, etc., and do not have the basis for large-scale promotion.

[0073] The following is a schematic diagram of the application scenario of the payment method of this application. Figure 1 When a user purchases a commodity, the user terminal 100 displays the card package graphic code, the acquiring institution's device 200 scans the card package graphic code, and generates a payment request based on the commodity that the user needs to purchase. The device 200 sends the card package graphic code and the payment request to the payment system 300. The payment system 300 identifies the card package graphic code to obtain the user's membership ID, and parses the payment request to obtain the commodity that the user needs to purchase and the payment amount of the commodity. The payment system 300 obtains each first digital welfare credential bound to the membership ID, and determines each target digital welfare credential in each first digital welfare credential based on the payment amount, and the sum of the amount of each target digital welfare credential is greater than or equal to the payment amount. The distributed target digital welfare credential is different, and the payment system 300 generates a payment instruction for each target digital welfare credential, and sends the payment instruction to the device of the first institution that distributes the target digital welfare credential, so that the device 400 of the first institution pays for the commodity based on the amount of the target digital welfare credential. Exemplarily, a payment instruction is sent to the institutional device 410, the institutional device 420, and the institutional device 430, and the institutional device 410, the institutional device 420, and the institutional device 430 each complete the deduction of the amount in the target digital welfare voucher, and the payment of the goods can be completed. In addition, the issuing agencies of each target digital welfare voucher can also be the same, and the payment system generates a payment instruction so that the issuing agency completes the deduction of the amount in each target digital welfare voucher.

[0074] Combination Figure 1 The technical solutions shown in the following application are described in detail to solve the above-mentioned technical problems or shortcomings. It should be noted that the following embodiments can exist alone or in combination with each other, and the same or similar contents will not be repeated in different embodiments.

[0075] Reference Figure 2 , Figure 2 The payment method provided in the embodiment of the present application is shown in FIG. Figure 1 , payment methods include:

[0076] Step S201, obtain the card package graphic code and payment request sent by the acquiring institution and obtained the payment amount of the user associated with the user terminal to purchase the target product according to the payment request, and identify the card package graphic code to obtain the member ID corresponding to the user.

[0077] In this embodiment, the execution subject is the payment system. For the convenience of description, the system is used to refer to the payment system. The system can be a system corresponding to the coordination agency, and the coordination agency can be used to coordinate the resources of various financial institutions.

[0078] The user's user terminal can be loaded with a payment tool, and the user can bind a card package in the payment tool. The card package can be a card package of digital welfare credentials issued by a financial institution. The card package is associated with a member ID, which is configured by the system for the user. The member ID is associated with the card package in the form of a card package graphic code. When the user purchases goods, he selects the card package for payment, and the user terminal displays the card package graphic code, and the front end of the acquiring institution scans the card package graphic code. The card package graphic code can be a card package QR code or a card package barcode. After the front end of the acquiring institution scans the card package graphic code, it obtains the payment amount of the target product that the user needs to purchase, generates a payment request based on the payment amount of the target product, and then sends the payment request and the card package graphic code to the system. After the system receives the card package graphic code and the payment request presented by the user terminal sent by the acquiring institution, it first parses the payment request to obtain the payment amount of the user's purchase of the target product associated with the user terminal, and then the system identifies the card package graphic code to obtain the user's member ID.

[0079] Step S202, obtaining each first digital welfare voucher bound to the member identification, and determining multiple target digital welfare vouchers in each first digital welfare voucher according to the payment amount of the target product, and the sum of the amount of each target digital welfare voucher is greater than or equal to the payment amount.

[0080] The team to which the user belongs will arrange some people to create welfare activities, and the people responsible for welfare activities constitute the grassroots trade union. The grassroots trade union applies to the financial institution to distribute welfare to the user. The distributed welfare generates a digital welfare credential in the system, and the digital welfare credential is associated and bound with the member ID. The user can participate in multiple welfare activities. Therefore, the user's member ID stored in the system is associated and bound with multiple digital welfare credentials. In this embodiment, after determining the user's member ID, the system uses the digital welfare credential bound to the member ID as each first digital welfare credential.

[0081] The system determines multiple target digital welfare credentials from each first digital welfare credential based on the payment amount of the target commodity. In one example, the system determines the amount of each first digital welfare credential, and if the maximum amount is greater than or equal to the payment amount, the first digital welfare credential corresponding to the maximum amount is used as the target digital welfare credential; if the maximum amount is less than the payment amount, multiple first digital welfare credentials are obtained as the target digital welfare credentials, and the sum of the amounts of each target digital welfare credential is greater than or equal to the payment amount.

[0082] Step S203, generating a payment instruction according to each target digital welfare credential and the payment amount, and sending the payment instruction to the first institution that distributes the target digital welfare credential, so that the first institution can pay for the goods based on the amount of the target digital welfare credential.

[0083] After obtaining each target digital welfare credential, the system generates a payment instruction based on the target digital welfare credential and the payment amount. In one example, each target digital welfare credential may be issued by the same financial institution, and a payment instruction is generated based on the credential identifier of each target digital welfare credential and the payment amount. In another example, each target digital welfare credential is issued by different financial institutions, and the system determines the amount of money that needs to be deducted from the target digital welfare credential and the credential identifier of the target digital welfare credential to generate a payment instruction, and each financial institution needs to generate a payment instruction. In another example, the device obtains each initial digital welfare credential bound to a member identity, and each initial digital welfare credential is associated with each commodity, and each commodity is set by the grassroots trade union for the user. For example, the grassroots trade union limits the commodities that can be purchased with the initial digital welfare credential to commodity A, commodity B, and commodity C. When each commodity associated with the initial digital welfare credential includes the target commodity, the initial digital welfare credential can be determined as the first digital welfare credential bound to the member identity, that is, each initial digital welfare credential that can purchase the target commodity is used as the target digital welfare credential.

[0084] After generating a payment instruction, the system sends the payment instruction to the first institution that distributes the target digital welfare voucher. After receiving the payment instruction, the first institution determines the account where the amount of the target digital welfare voucher is located, and transfers the amount of the target digital welfare voucher in the account to the clearing account, which then sends the funds to the account of the acquiring institution, and the account of the acquiring institution then settles the funds to the merchant holding the goods to complete the use of the target digital welfare voucher. After completing the deduction of the amount in the target digital welfare voucher, the first institution generates electronic bill information, which is the basic information of the electronic receipt, and the basic information of the electronic receipt includes the electronic receipt number, date, voucher identification of the target digital welfare voucher, deducted amount and other information.

[0085] In this embodiment, the card package graphic code presented by the user terminal sent by the acquiring institution is obtained, and the card package graphic code is identified to determine the target commodity purchased by the user associated with the user terminal and the member ID associated with the user, and each digital welfare voucher bound to the member ID is obtained, and multiple target digital welfare vouchers are determined in each first digital welfare voucher based on the payment amount of the target commodity, so that the amount of each digital welfare voucher is greater than or equal to the payment amount, and a payment instruction is generated through each target digital welfare voucher and the payment amount, and the payment instruction is sent to the first institution that distributes the target digital welfare voucher, so that the first institution pays for the target commodity based on the amount of the target digital welfare voucher. In this embodiment, the welfare card is bound to the user's member ID in the form of a digital welfare voucher. When purchasing goods, the user only needs to issue a card package QR code to automatically select multiple digital welfare vouchers bound to the member ID to purchase the goods, without the user having to switch multiple electronic welfare card packages to pay for goods, which simplifies the process of paying for goods with the welfare card and improves the user experience.

[0086] Reference Figure 3 , Figure 3 This is the payment method for this application. Figure 2 ,based on Figure 2 In the illustrated embodiment, step S202 includes:

[0087] Step S301, obtaining various reference factors of each first digital welfare credential, wherein each reference factor includes a validity period, an amount limit, and a usage scenario of the first digital welfare credential.

[0088] In this embodiment, the system will intelligently recommend a combination of credentials so that the user's digital welfare credentials can be fully utilized. The system obtains various reference factors of the first digital welfare credential, and each reference factor includes the validity period, amount limit, and usage scenario of the first digital welfare credential. The validity period is, for example, from January 20, XX to February 20, XX; the amount limit is, for example, 30 yuan, and 30 yuan means that the first digital welfare credential can be used to purchase goods with a price of less than 30 yuan; the usage scenario refers to the scenario of the first digital welfare credential, for example, the first digital welfare credential can only be used in Supermarket A, or the first digital welfare credential can be used in any merchant.

[0089] Step S302: determining a recommendation weight corresponding to the first digital welfare credential according to various reference factors of the first digital welfare credential.

[0090] After determining various reference factors of the first digital welfare credential, the system determines a recommendation weight of the first digital welfare credential based on the various reference factors.

[0091] Exemplarily, when the reference factor includes the amount, if the amount is smaller, the amount corresponding to the amount is larger; when the reference factor includes the validity period, if the validity period is closer to the current time, that is, the system calculates the interval between the current time point and the end time point of the validity period, if the interval is smaller, the validity score corresponding to the validity period is larger; when the reference factor includes the usage scenario, the system determines the scenario score based on the usage scenario, for example, when the usage scenario is that the first digital welfare credential can be used in any merchant, the scenario score is 0, when the usage scenario is that the first digital welfare credential can only be used in a specific merchant, the scenario score is 100, when the usage scenario is that the first digital welfare credential can only be used in 2 specific merchants, the scenario score is 99; it can be understood that the more merchants the first digital welfare credential is used in, the smaller the scenario score. After obtaining the scores of each reference factor, a weighted calculation is performed based on the weight and score of each reference factor to obtain the recommendation weight corresponding to the first digital welfare credential. It can be understood that the smaller the amount of the first digital welfare credential, the closer the validity period is to the current time, and the less popular the usage scenario is (non-circulation means that the digital welfare credential can only be used to purchase goods in fewer merchants or only specific goods), the greater the recommendation weight corresponding to the first digital welfare credential.

[0092] Step S303, sorting the first digital welfare credentials in descending order of recommendation weights.

[0093] After obtaining the recommendation weights of the first digital welfare credentials, the system sorts the first digital welfare credentials in descending order of the recommendation weights.

[0094] Step S304, obtaining a plurality of first digital welfare vouchers ranked in front as target digital welfare vouchers, wherein the sum of the amounts of the target digital welfare vouchers is greater than or equal to the payment amount.

[0095] After the system sorts each first digital welfare voucher, the system obtains multiple first digital welfare vouchers ranked first as target digital welfare vouchers, and the sum of the amounts of each target digital welfare voucher is greater than or equal to the payment amount. Exemplarily, the recommendation weight of digital welfare voucher 1> the recommendation weight of digital welfare voucher 2> the recommendation weight of digital welfare voucher 3> the recommendation weight of digital welfare voucher 4> the recommendation weight of digital welfare voucher 5> the recommendation weight of digital welfare voucher 6, and the amounts of digital welfare voucher 1, digital welfare voucher 2 and digital welfare voucher 3 are equal to the payment amount, so digital welfare voucher 1, digital welfare voucher 2 and digital welfare voucher 3 can be used as target digital welfare vouchers.

[0096] In this embodiment, a usage scheme of digital welfare credentials based on member identification is proposed. In terms of interaction, the member identification is always used as the only medium for transaction, which simplifies the user's payment operation process, enables the user to be "unaware" of multiple digital welfare credentials, and improves payment efficiency. In terms of system processing, the recommendation weight of the digital welfare credential is calculated based on reference factors such as the available limit (amount limit), remaining available time (validity period), and usage scenario constraints of the digital welfare credential, and the intelligent selection of digital welfare credentials is automatically completed. It is preferred to use credentials with low balance, short validity period, and few usage scenarios to complete combined payment, thereby maximizing user rights and interests and simplifying user operations.

[0097] Reference Figure 4 , Figure 4 This is the payment method for this application. Figure 3 ,based on Figure 2 or Figure 3 In the embodiment shown, after step S203, the following steps are further included:

[0098] Step S401, receiving payment completion information sent by the first institution.

[0099] In this embodiment, after the first institution completes the deduction of the amount of each target digital welfare voucher, the first institution sends a payment completion message to the system. The payment completion message records in detail the deducted amount of each target digital welfare voucher, and the sum of the deducted amounts is equal to the payment amount.

[0100] Step S402, obtaining the deducted amount of the target digital welfare voucher according to the payment completion information.

[0101] After obtaining the payment completion information, the system parses the payment completion information to obtain the deducted amount of each target digital welfare voucher.

[0102] Step S403: updating the amount of the target digital welfare voucher according to the deducted amount of the target digital welfare voucher.

[0103] After the system obtains the deducted amount of the target digital welfare credential, it needs to update the amount limit of the target digital welfare credential. In one example, when the deducted amount of the target digital welfare credential is less than the amount limit of the target digital welfare credential before deduction, it is necessary to update the amount limit in the target digital welfare credential. For example, the amount limit of the target digital welfare credential is 300 yuan, and the deducted amount is 200 yuan, then the amount limit of the target welfare credential is updated from 300 to 100 yuan. In another example, the first institution will deduct the amount limit of the target digital welfare credential, and the amount limit of the target digital welfare credential will be used up, and the target digital welfare credential can be deleted. Exemplarily, when the deducted amount of the target digital welfare credential is equal to the amount limit of the target digital welfare credential, it can be determined that the target digital welfare credential has been used up, and the system contacts the binding between the target digital welfare credential and the session identifier, and deletes the target digital welfare credential.

[0104] In this embodiment, the system obtains the payment completion information sent by the first institution, and updates the amount limit of the target digital credential based on the payment completion information, so that the user can continue to use the target digital credential that can still be used, thereby improving the user experience.

[0105] Reference Figure 5 , Figure 5 This is the payment method for this application. Figure 4 ,based on Figures 2 to 4 In any of the embodiments shown in the figure, before step S201, the step further includes:

[0106] Step S501, receiving an activity application request sent by an activity union organization, and parsing the activity application request to obtain the user's membership ID, the activity amount allocated to the user, the validity period and usage scenario corresponding to the activity amount, and the second organization corresponding to the account where the activity amount is located.

[0107] In this embodiment, the grassroots trade union personnel will create trade union activities to distribute the benefits of trade union activities to the grassroots trade union personnel. Specifically, the grassroots trade union personnel log in to the trade union platform, click the button for creating trade union activities, select the welfare distribution list, amount, merchant application scope, validity period, etc. to form a welfare distribution request. The grassroots trade union personnel send the welfare distribution request to the grassroots trade union leader for review and confirmation. After the person in charge confirms, the trade union platform (activity trade union organization) generates an activity application request based on the user's membership ID, the user's welfare amount, the merchant application location and the validity period in the welfare distribution list, and sends the activity application request to the system. After the system receives the activity application request, it parses the activity application request to obtain the member ID, the activity amount distributed to the user, the validity period corresponding to the activity amount and the usage scenario, and the system obtains the trade union ID from the activity application request, thereby querying the second institution where the account opened by the grassroots trade union is located based on the trade union ID. The usage scenario is the merchant application scope, and the second institution is the amount institution.

[0108] Step S502, generating a credential application request according to the activity amount, validity period and usage scenario, and sending the credential application request to the second institution.

[0109] The system generates a credential application request based on the sum of each activity amount, validity period, and usage scenario, and sends the credential application request to the second agency. The second agency determines the total activity amount issued by the grassroots union based on the activity amount in each credential application request, and inquires whether the balance in the grassroots union's account is greater than the total activity amount. If the balance is greater than the total activity amount, the second agency generates a corresponding digital welfare credential for each credential application request, which is defined as the second digital welfare credential. In addition, the second agency transfers the total activity amount in the grassroots union's account to a designated account for freezing, and when the digital welfare credential is used, the amount is allocated from the designated account for the use of the digital welfare credential.

[0110] Step S503: receiving the second digital welfare credential fed back by the second institution based on the credential application request, and binding the second digital welfare credential with the member identification.

[0111] The second institution sends the second digital welfare credential to the system, and the second institution sends the second digital welfare credential and the member identification to the system, and the member identification of the second institution can be carried in the credential application request. The system binds the member identification with the second digital welfare credential.

[0112] For example, refer to Figure 6 , Figure 6The figure is a schematic diagram of the association between the member identification and the digital welfare credential. For example, the digital welfare credential is the member 1 activity 1 credential. The digital welfare credential includes the credential number, application scenario (usage scenario), validity period, amount, member identification information and account identification information. The account identification information refers to the identification of the union account. The union account can support multiple activities. For example, the guarantee fund account of activity 1 allocates the member 1 activity 1 credential and the member n activity 1 credential from the amount to be allocated a2; the guarantee fund account of activity 2 allocates the member 1 activity 2 credential and the member n activity 2 credential from the amount to be allocated b2; the guarantee fund account of activity n allocates the member 1 activity n credential and the member n activity n credential from the amount to be allocated n2. Each credential is associated with the member identification in the member credential list, and then the associated credential and member identification are sent to the system for association and binding.

[0113] In this embodiment, a scheme for issuing digital welfare credentials is proposed, so that the system can bind the member identification with the digital welfare credentials, so that the user can use the digital welfare credentials conveniently.

[0114] Reference Figure 7 , Figure 7 This is the payment method for this application. Figure 5 ,based on Figure 5 In the embodiment shown, before step S501, the following steps are further included:

[0115] Step S701: receiving a membership application request sent by an activity union organization, and acquiring the identity information of the user and the organization information of the activity union organization according to the membership application request.

[0116] In this embodiment, the grassroots trade union logs in to the platform, completes the entry of each member's information, and after confirming the entry of the member information, generates a membership application request based on the member information of each member and the organization information of the active trade union organization. The member information can be the user's identity information, and sends the membership application request to the system. The system receives the membership application request sent by the active trade union organization, and the system parses the membership application request to obtain the user's identity information and the organization information of the active trade union organization.

[0117] Step S702: Generate a member ID corresponding to the user based on the identity information and organization information, and send the member ID to the activity union organization.

[0118] After the system obtains the identity information and organization information, it encodes the identity information to obtain the first field and encodes the organization information to obtain the second field. The first field and the second field are concatenated to obtain the member ID. The system stores the member ID and sends the member ID to the event union organization so that the event union organization can apply for digital welfare credentials for the user based on the member ID.

[0119] In this embodiment, the activity union organization sends a membership application request to the system, thereby configuring a membership ID for the user, so that the financial institution can configure a digital welfare credential for the user and bind it to the membership ID.

[0120] In one embodiment, when the second agency generates a second digital welfare credential based on a credential application request, it creates an activity identifier for the activity, and sends the activity identifier and the second digital welfare credential to the system, that is, the system receives the second digital welfare credential and the activity identifier fed back by the second agency based on the credential application request, and sends the activity identifier to the activity union agency. The activity union agency can obtain the usage of each digital welfare credential distributed. In this regard, the activity union agency sends an activity bill acquisition request carrying the activity identifier to the system, the system receives the activity bill acquisition request, and sends the activity bill acquisition request to the second agency, the second agency obtains the usage information of the digital welfare credential associated with the activity identifier, and then sends the usage information to the system, that is, the system receives the usage information of the digital welfare credential sent by the second agency, and sends the usage information to the activity union agency.

[0121] Specifically, when the end time of the designated activity is reached, the union staff logs in to the union platform and selects the corresponding activity number (activity identifier). After clicking the "Get Statement and Receipt" button, the platform initiates the corresponding instruction (activity bill acquisition request) to the system. The system sends the instruction to the second institution. The second institution selects the relevant payment records according to the "activity number" and generates the corresponding electronic statement and collects the electronic receipt as the usage information according to the "merchant code" dimension. The usage information is returned to the system, and the system pushes it to the platform. The platform displays the information to the union (all statements and electronic receipts for the activity). The grassroots union initiates an "invoice application". After the merchant logs in to the platform, he checks the corresponding statement according to the invoice application. If it is confirmed to be correct, the invoice is completed and the invoice is delivered in accordance with the agreement with the union; if the merchant has any questions about the electronic statement, he can further check the electronic receipt. After the union receives the invoices from all merchants and uploads them to the union platform, the multi-stream integration of "activity creation-credential issuance-credential use-bank statement and receipt-invoice" information can be realized on the union platform, realizing the full-link penetration of information.

[0122] In this embodiment, in terms of business model, a digital welfare credential issuance scheme is proposed, which realizes closed-loop processing of full-link information before, during and after activity / matter management, employee management, credential use, invoice processing, etc. through business processing processes such as "employee information application and binding-enterprise activity / matter creation and credential issuance-credential use-invoice acquisition".

[0123] In terms of fund account management, a multi-layer expense management system of "corporate account-guaranteed funds-employee digital credentials" is proposed, which realizes the association between digital credentials and corporate accounts (union accounts), and the funds are paid in real time from corporate accounts. At the same time, it realizes the mutual independence and security of funds in the activity / matter dimension, and realizes the penetration of full-link information such as funds users, fund owners, scope of use, reasons, etc.

[0124] In terms of the collection of public invoice materials, this embodiment establishes an association between payment information and the second institution's statement and return slip, thereby achieving a clear division of the activities and fund usage of each matter under the credential combination payment, and realizing the automated collection of relevant evidence for the issuance of public invoices without the company and the merchant's involvement in the payment process, ultimately promoting the issuance of public invoices.

[0125] Based on the contents described in the above embodiments, a payment system is also provided in the embodiments of the present application. Figure 8 , Figure 8 This is a schematic diagram of a program module of a payment system provided in an embodiment of the present application. In some implementations, the payment system 800 includes:

[0126] The first acquisition module 810 is used to acquire the card package graphic code and the payment request sent by the acquiring institution and obtain the payment amount of the user associated with the user terminal to purchase the target product according to the payment request, and identify the card package graphic code to obtain the member ID corresponding to the user;

[0127] The second acquisition module 820 is used to acquire each first digital welfare voucher bound to the member identification, and determine multiple target digital welfare vouchers from each first digital welfare voucher according to the payment amount of the target commodity, and the sum of the amount of each target digital welfare voucher is greater than or equal to the payment amount;

[0128] The generation module 830 is used to generate a payment instruction according to each target digital welfare credential and the payment amount, and send the payment instruction to the first institution that distributes the target digital welfare credential, so that the first institution can pay for the goods based on the amount of the target digital welfare credential.

[0129] In some embodiments, the payment system 800 is specifically used to:

[0130] Obtaining various reference factors of each first digital welfare credential, wherein each reference factor includes a validity period, an amount, and a usage scenario of the first digital welfare credential;

[0131] Determining a recommendation weight corresponding to the first digital welfare credential according to various reference factors of the first digital welfare credential;

[0132] Sort the first digital welfare credentials in descending order of recommendation weight;

[0133] A plurality of first digital welfare credentials ranked in front are obtained as target digital welfare credentials, and the sum of the amounts of the target digital welfare credentials is greater than or equal to the payment amount.

[0134] In some embodiments, the payment system 800 is specifically used to:

[0135] Obtain each initial digital welfare credential bound to the member ID, and obtain each commodity associated with each initial digital welfare credential;

[0136] In the case that the target commodity is included in the commodities associated with the initial digital welfare credential, the initial digital welfare credential is determined as the first digital welfare credential bound to the member identification.

[0137] In some embodiments, the payment system 800 is specifically used to:

[0138] Receiving payment completion information sent by the first institution;

[0139] Obtain the deducted amount of the target digital benefit voucher according to the payment completion information;

[0140] Update the amount limit of the target digital benefit voucher based on the deducted amount of the target digital benefit voucher.

[0141] In some embodiments, the payment system 800 is specifically used to:

[0142] When the deducted amount of the target digital welfare credential is equal to the amount of the target digital welfare credential, the binding between the target digital welfare credential and the member ID is released, and the target digital welfare credential is deleted.

[0143] In some embodiments, the payment system 800 is specifically used to:

[0144] Receive an activity application request sent by an activity union organization, and parse the activity application request to obtain the user's membership ID, the activity amount allocated to the user, the validity period and usage scenario corresponding to the activity amount, and the second organization corresponding to the account where the activity amount is located;

[0145] Generate a credential application request based on the activity amount, validity period, and usage scenario, and send the credential application request to the second institution;

[0146] A second digital welfare credential is received from the second institution based on the credential application request feedback, and the second digital welfare credential is bound to the member identification.

[0147] In some embodiments, the payment system 800 is specifically used to:

[0148] Receive membership application requests sent by the event union organization, and obtain the user's identity information and the organization information of the event union organization based on the membership application request;

[0149] Generate a member ID corresponding to the user based on the identity information and organization information, and send the member ID to the event union organization.

[0150] In some embodiments, the payment system 800 is specifically used to:

[0151] Receive the second digital welfare credential and the activity identifier fed back by the second institution based on the credential application request, and send the activity identifier to the activity union institution;

[0152] receiving an activity bill acquisition request carrying an activity identifier sent by an activity union organization, and sending the activity bill acquisition request to a second organization;

[0153] Receive usage information of the digital welfare credential sent by the second organization, and send the usage information to the activity union organization.

[0154] It should be noted that the various steps in the payment method executed by the payment system refer to the above embodiment for details and will not be described in detail here.

[0155] Furthermore, based on the contents described in the above embodiments, an electronic device is also provided in an embodiment of the present application, which includes at least one processor, and a communication interface and a memory to which the processor is communicatively connected; wherein the communication interface is used to communicate with other communication devices, and the memory stores computer-executable instructions; the above at least one processor executes the computer-executable instructions stored in the memory to implement the various steps in the payment method described in the above embodiments.

[0156] In order to better understand the embodiments of the present application, refer to Fig. 9 , Fig. 9 A schematic diagram of the hardware structure of an electronic device provided in an embodiment of the present application.

[0157] like Fig. 9 As shown, the electronic device 900 of this embodiment includes: a processor 901, a memory 902, and a communication interface 904; wherein:

[0158] Memory 902, used to store computer-executable instructions;

[0159] The communication interface 904 is used to communicate with other communication devices;

[0160] The processor 901 is used to execute the computer-executable instructions stored in the memory to implement the various steps in the query optimization method described in the above embodiment.

[0161] Optionally, the memory 902 may be independent or integrated with the processor 901 .

[0162] When the memory 902 is independently provided, the device further includes a bus 903 for connecting the memory 902 , the communication interface 904 and the processor 901 .

[0163] An embodiment of the present application provides a computer-readable storage medium, in which computer-executable instructions are stored. When a processor executes the computer-executable instructions, each step in the payment method described in the above embodiment is implemented.

[0164] An embodiment of the present application provides a computer program product, including a computer program. When the computer program is executed by a processor, the various steps in the payment method described in the above embodiment are implemented.

[0165] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic, for example, the division of modules is only a logical function division, and there may be other division methods in actual implementation, such as multiple modules can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interfaces, devices or modules, which can be electrical, mechanical or other forms.

[0166] The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0167] In addition, each functional module in each embodiment of the present application can be integrated into one processing unit, or each module can exist physically separately, or two or more modules can be integrated into one unit. The above-mentioned module-composed unit can be implemented in the form of hardware or in the form of hardware plus software functional units.

[0168] The above-mentioned integrated module implemented in the form of a software function module can be stored in a computer-readable storage medium. The above-mentioned software function module is stored in a storage medium, including a number of instructions for enabling a computer device (which can be a personal computer, a server, or a network device, etc.) or a processor to perform some steps of the methods of various embodiments of the present application.

[0169] It should be understood that the processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. A general-purpose processor may be a microprocessor or any conventional processor, etc. The steps of the method disclosed in the application may be directly implemented as being executed by a hardware processor, or may be executed by a combination of hardware and software modules in the processor.

[0170] The memory may include high-speed memory, and may also include non-volatile storage, such as at least one disk memory, and may also be a USB flash drive, a mobile hard disk, a read-only memory, a magnetic disk or an optical disk, etc.

[0171] The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the bus in the drawings of the present application is not limited to only one bus or one type of bus.

[0172] The storage medium may be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory, electrically erasable programmable read-only memory, erasable programmable read-only memory, programmable read-only memory, read-only memory, magnetic memory, flash memory, magnetic disk or optical disk. The storage medium may be any available medium that can be accessed by a general or special purpose computer.

[0173] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit it. Although the present application has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or replace some or all of the technical features therein with equivalents. However, these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A payment method, characterized in that: include: Obtain the card package graphic code and payment request sent by the acquiring institution and obtained the payment amount of the user associated with the user terminal to purchase the target product according to the payment request, and identify the card package graphic code to obtain the member ID corresponding to the user; Obtain each first digital welfare voucher bound to the member identification, and determine multiple target digital welfare vouchers from each first digital welfare voucher according to the payment amount of the target commodity, wherein the sum of the amounts of each target digital welfare voucher is greater than or equal to the payment amount; A payment instruction is generated according to each of the target digital welfare credentials and the payment amount, and the payment instruction is sent to a first institution that distributes the target digital welfare credentials, so that the first institution can pay for the goods based on the amount of the target digital welfare credentials.

2. The method according to claim 1, characterized in that The step of determining a plurality of target digital welfare credentials from each of the first digital welfare credentials according to the payment amount of the commodity comprises: Acquire each reference factor of each of the first digital welfare credentials, each of the reference factors including the validity period, amount, and usage scenario of the first digital welfare credentials; Determining a recommendation weight corresponding to the first digital welfare credential according to various reference factors of the first digital welfare credential; sorting the first digital welfare credentials in descending order of the recommendation weights; A plurality of first digital welfare credentials ranked in front are obtained as target digital welfare credentials, and the sum of the amounts of the target digital welfare credentials is greater than or equal to the payment amount.

3. The method according to claim 1, characterized in that The obtaining of each first digital welfare credential bound to the membership identification includes: Acquire each initial digital welfare credential bound to the member ID, and acquire each commodity associated with each initial digital welfare credential; In a case where the target commodity is included in each commodity associated with the initial digital welfare credential, the initial digital welfare credential is determined as the first digital welfare credential bound to the member identification.

4. The method according to claim 1, characterized in that: After sending the payment instruction to the first institution that issues the target digital welfare credential, the method further includes: Receiving payment completion information sent by the first institution; Acquire the deducted amount of the target digital welfare voucher according to the payment completion information; The monetary amount of the target digital welfare credential is updated according to the deducted amount of the target digital welfare credential.

5. The method according to claim 4, characterized in that The updating of the amount of the target digital welfare credential according to the deducted amount of the target digital welfare credential includes: When the deducted amount of the target digital welfare credential is equal to the amount of the target digital welfare credential, the binding between the target digital welfare credential and the member identification is released, and the target digital welfare credential is deleted.

6. The method according to claim 1, characterized in that Before obtaining the card package graphic code sent by the acquiring institution and presented by the user terminal, the method further includes: Receive an activity application request sent by an activity union organization, and parse the activity application request to obtain the membership ID of the user, the activity amount allocated to the user, the validity period and the usage scenario corresponding to the activity amount, and the second organization corresponding to the account where the activity amount is located; Generate a credential application request according to the activity amount, the validity period, and the usage scenario, and send the credential application request to the second institution; A second digital welfare credential fed back by the second institution based on the credential application request is received, and the second digital welfare credential is bound to the member identification.

7. The method according to claim 6, characterized in that Before receiving the activity application request sent by the activity union organization, the method further includes: Receiving a membership application request sent by an activity union organization, and obtaining the identity information of the user and the organization information of the activity union organization according to the membership application request; A member ID corresponding to the user is generated according to the identity information and the organization information, and the member ID is sent to the activity union organization.

8. The method according to claim 6, characterized in that After receiving the second digital welfare credential fed back by the second institution based on the credential application request, the method further includes: receiving a second digital welfare credential and an activity identifier fed back by the second institution based on the credential application request, and sending the activity identifier to the activity union institution; receiving an activity bill acquisition request carrying the activity identifier sent by the activity union organization, and sending the activity bill acquisition request to a second organization; Receive usage information of the digital welfare credential sent by the second organization, and send the usage information to the activity union organization.

9. A payment system, characterized in that: include: The first acquisition module is used to acquire the card package graphic code and the payment request sent by the acquiring institution and obtain the payment amount of the user associated with the user terminal to purchase the target product according to the payment request, and identify the card package graphic code to obtain the member ID corresponding to the user; A second acquisition module is used to acquire each first digital welfare voucher bound to the member identification, and determine multiple target digital welfare vouchers from each first digital welfare voucher according to the payment amount of the target commodity, and the sum of the amount of each target digital welfare voucher is greater than or equal to the payment amount; A generation module is used to generate a payment instruction according to each of the target digital welfare credentials and the payment amount, and send the payment instruction to a first institution that distributes the target digital welfare credentials, so that the first institution can pay for the goods based on the amount of the target digital welfare credentials.

10. An electronic device, characterized in that: include: A processor, and a memory and a communication interface communicatively connected to the processor; The communication interface is used to communicate with other communication devices; The memory is used to store computer-executable instructions; The processor is used to execute the computer-executable instructions stored in the memory to implement the payment method according to any one of claims 1 to 8.

11. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, and when the computer-executable instructions are executed by a processor, the payment method according to any one of claims 1 to 8 is implemented.

12. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the payment method according to any one of claims 1 to 8 is implemented.

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