Payment methods, systems, electronic devices, media, and program products

Abstract

The application provides a payment method, system, electronic device, medium and program product, which can be used in the field of data processing. The method comprises the following steps: acquiring a card package code shown by a user terminal and a payment request sent by an acquiring institution, acquiring 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 code to obtain a member identifier corresponding to the user; acquiring each first digital welfare voucher bound to the member identifier, and determining a plurality of target digital welfare vouchers from each first digital welfare voucher according to the payment amount of the target commodity; generating a payment instruction according to each target digital welfare voucher and the payment amount, and sending the payment instruction to a first institution that distributes the target digital welfare vouchers. In the application, the process of paying for the commodity by 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 make payments for work, they can use their work settlement cards, business cards, official cards, etc.; when the union distributes benefits, users can use the distributed redemption 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 solve 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] Obtaining the card package graphic code and payment request sent by the acquiring institution, and obtaining the payment amount of the user associated with the user terminal to purchase the target product based on the payment request, and identifying the card package graphic code to obtain the member ID corresponding to the user;

[0008] Obtaining each first digital welfare voucher bound to the membership identification, and determining a plurality of 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 the 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] Obtaining various reference factors of each of the first digital welfare credentials, each of the reference factors including a validity period, an amount, and a usage scenario of the first digital welfare credential;

[0012] determining a recommendation weight corresponding to the first digital welfare credential based on 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, obtaining each first digital benefit credential bound to the membership identifier includes:

[0016] Obtaining each initial digital welfare credential bound to the membership identification, and obtaining each commodity associated with each initial digital welfare credential;

[0017] In a case where 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 membership identification.

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

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

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

[0021] The 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 membership identification is released, and the target digital welfare credential is deleted.

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

[0025] Receiving an activity application request sent by an activity union organization, 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;

[0026] generating a credential application request based on the activity amount, the validity period, and the usage scenario, and sending the credential application request to the second institution;

[0027] Receive a second digital welfare credential fed back by the second institution based on the credential application request, and bind the second digital welfare credential to the membership 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 welfare 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 the 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] A first acquisition module is configured to acquire a card package graphic code and a payment request sent by an acquirer and obtain, based on the payment request, a payment amount for a target commodity purchased by a user associated with the user terminal, and identify the card package graphic code to obtain a member ID corresponding to the user;

[0037] a second acquisition module, configured to acquire each first digital welfare voucher bound to the membership identification, and determine a plurality of 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;

[0038] A generation module is used to generate a payment instruction based on each of the target digital welfare credentials and the payment amount, and send the payment instruction to the 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 configured 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, which stores computer-executable instructions. 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, comprising 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 product purchased by the user associated with the user terminal and the member ID associated with the user, obtain the various digital welfare credentials bound to the member ID, and determine multiple target digital welfare credentials in each first digital welfare credential based on the payment amount of the target product, so that the amount limit of each digital welfare credential is greater than or equal to the payment amount, generate a payment instruction through 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 target product based on the amount limit of the target digital welfare credential. In the present application, the welfare card is bound to the user's member ID in the form of a digital welfare credential. When purchasing goods, the user only needs to present the card package QR code to automatically select multiple digital welfare credentials bound to the member ID to purchase the goods. The user does not need 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 This is a schematic diagram of the payment method steps in this application embodiment. Figure 1 ;

[0049] Figure 3 This is a schematic diagram of the payment method steps in this application embodiment. Figure 2 ;

[0050] Figure 4 This is a schematic diagram of the payment method steps in this application embodiment. Figure 3 ;

[0051] Figure 5 This is a schematic diagram of the payment method steps in this application embodiment. Figure 4 ;

[0052] Figure 6 A diagram showing the association between the membership ID and the digital benefit credential for this application;

[0053] Figure 7 This is a schematic diagram of the payment method steps in this application embodiment. Figure 5 ;

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

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

[0056] The above drawings illustrate specific embodiments of the present application, which will be described in more detail below. These drawings and the textual description are not intended to limit the scope of the present application in any way, but rather to illustrate the concepts of the present application to those skilled in the art by reference to specific embodiments. DETAILED DESCRIPTION

[0057] In order to make the purpose, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions 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, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of this application. In addition, although the disclosure in this 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 descriptions of terms in this application are only for the purpose of facilitating the understanding of the embodiments described below, and are not intended to limit the embodiments of this application. Unless otherwise specified, these terms should be understood according to their ordinary and usual meanings.

[0059] In addition, the terms "comprises" and "comprising" 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 product or device.

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

[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] Currently, common payment methods for employee business expenses include personal advance payments followed by reimbursement. A small number of companies use company settlement cards, business cards, and official business cards to cover employee travel and small purchases. Union benefits, on the other hand, are generally purchased collectively or through corporate accounts, using physical vouchers, electronic exchange vouchers, cake cards, and annual park passes. Compared to the speed and convenience of individual digital payments, online and digital payment methods for business expenses have been slow to gain traction. The diverse range of payment methods lacks universality, creating a disconnect between employee personal and business-related spending and hindering corporate digital transformation. Currently, benefits are primarily distributed in the form of physical goods or physical offline vouchers. Because the variety, quantity, and quality of union-selected products fail to meet employee needs, employee reviews of union work are mixed. Some companies have partnered with third-party companies to distribute digital welfare vouchers and gift cards. While this has broadened employee options, their use remains limited to the company. Furthermore, the bidding and evaluation processes and associated service fees of service providers increase the burden and financial costs on grassroots unions.

[0063] With the development of digitalization and informatization, the trend of digitalization in the issuance and management of union benefits has become increasingly obvious. In order to further improve member satisfaction, improve the service level of unions, and promote the refined management of union benefits, some regions have built welfare issuance platforms to realize the digital issuance of welfare redemption vouchers and reasonably expand the scope of use. The current 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 applied to related scenarios such as official expenditures and the use of union benefits.

[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] Physical goods and physical delivery voucher distribution: The grassroots union selects a supermarket and agrees with supermarket staff on the type, quantity, and physical delivery method. After signing the contract and completing the payment, the supermarket issues an invoice for the union. For physical goods, the supermarket delivers the goods to the union, which then distributes them. For delivery vouchers, the supermarket prints the corresponding vouchers and hands them to the union. Members then redeem the vouchers for the designated goods at a designated location.

[0066] Through a cooperative distribution model with a third-party enterprise: The grassroots union completes the bidding and evaluation process, selects a third-party partner, signs a contract, and agrees on payment methods. The third-party enterprise prints a voucher and hands it to the union. Members then select their packages and redeem their products through a designated online redemption method, and the logistics company completes the delivery of the products. At the end of the redemption period, the enterprise pays the remaining funds based on actual redemption results, and the third-party enterprise issues an invoice to the union.

[0067] The inventors of the present application have discovered several shortcomings or problems with the above exemplary technologies:

[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 are generally short-lived, issued multiple times, and bearerless. This makes them cumbersome for members to keep and, if lost, they cannot be replaced, resulting in financial losses. Furthermore, the redemption method for digital exchange vouchers is closely tied to the service provider, and changing the redemption method can be challenging and difficult for some middle-aged and elderly members.

[0070] 3. Union fees are not used efficiently. If full payment is made upfront, the security of union fees and the quality of welfare products cannot be fully guaranteed. The union cannot enjoy normal returns on funds, and some vouchers cannot be redeemed and funds cannot be refunded, resulting in wasted membership fees. If settlement is made after the fact, merchants or third-party service providers will often include service fees such as advance payment costs in the overall quotation, increasing membership fee expenses. The reconciliation process is cumbersome and time-consuming, increasing union management costs.

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

[0072] 5. To ensure usability and innovation in official expenditure scenarios, an analysis of unit settlement cards, business cards, and official cards revealed that: although they have achieved clarity in the use of funds and control over the use of funds in some scenarios to a certain extent, there are also related problems: the application process for related cards is cumbersome and is limited to certain scenarios such as business 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 employee self-discipline and awareness 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 in corporate payments, many enterprises generally do not apply for related cards for employees, and a small number of enterprises only apply for a small number of employees, etc., and there is no basis for large-scale promotion.

[0073] The following is a diagram of the application scenario of the payment method of this application. Figure 1 When purchasing goods, the user uses the user terminal 100 to display 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 goods that the user wants 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 goods that the user wants to purchase and the payment amount of the goods. 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. The sum of the amount of each target digital welfare credential is greater than or equal to the payment amount. The target digital welfare credential distributed is different. 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 goods based on the amount of the target digital welfare credential. For example, a payment instruction is sent to institutional device 410, institutional device 420, and institutional device 430, and institutional device 410, institutional device 420, and institutional device 430 each deduct the amount from the target digital welfare voucher, thereby completing payment for the goods. Furthermore, the issuing institution of each target digital welfare voucher can also be the same, and the payment system generates a single payment instruction, causing the issuing institution to deduct the amount from each target digital welfare voucher.

[0074] Combine Figure 1 The technical solutions shown in the following application are used to explain in detail how to solve the above-mentioned technical problems or shortcomings. It should be noted that the following embodiments can exist independently 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 Schematic diagram of the payment method provided in the embodiment of this application Figure 1 , payment methods include:

[0076] Step S201: obtain the card package graphic code and payment request presented by the user terminal 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 user's corresponding member ID.

[0077] In this embodiment, the execution entity is the payment system. For ease of description, the term "system" is used to refer to the payment system. The system can be the system corresponding to the coordination agency, which can be used to coordinate the resources of various financial institutions.

[0078] A user's user terminal can be loaded with a payment tool. Users can bind a card package to the payment tool. This card package can be a card package containing digital welfare credentials issued by a financial institution. The card package is associated with a membership ID, which is configured by the system for the user and linked to the card package in the form of a card package graphic code. When a user selects the card package to pay for a product, the user terminal displays the card package graphic code, which the acquirer's front-end scans. The card package graphic code can be a QR code or a barcode. After scanning the card package graphic code, the acquirer's front-end obtains the payment amount for the target product the user wishes to purchase. Based on the payment amount, the acquirer generates a payment request and sends the payment request and card package graphic code to the system. After receiving the card package graphic code and payment request presented by the user terminal from the acquirer, the system first parses the payment request to obtain the payment amount associated with the user's terminal for the target product. The system then recognizes the card package graphic code to obtain the user's membership ID.

[0079] Step S202, obtain each first digital welfare certificate bound to the membership identification, and determine multiple target digital welfare certificates in each first digital welfare certificate according to the payment amount of the target product, and the sum of the amount of each target digital welfare certificate is greater than or equal to the payment amount.

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

[0081] Based on the payment amount of the target product, the system determines multiple target digital welfare vouchers from each first digital welfare voucher. In one example, the system determines the monetary limit of each first digital welfare voucher. If the maximum monetary limit is greater than or equal to the payment amount, the first digital welfare voucher corresponding to the maximum monetary limit is used as the target digital welfare voucher. If the maximum monetary limit is less than the payment amount, multiple first digital welfare vouchers are obtained as target digital welfare vouchers, and the sum of the monetary limits of each target digital welfare voucher is greater than or equal to the payment amount.

[0082] Step S203: Generate a payment instruction based on 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 product 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 a different financial institution, and the system determines the amount 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 ID, and each initial digital welfare credential is associated with each commodity. Each commodity is set for the user by a grassroots trade union. 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 the commodities associated with the initial digital welfare credential include the target commodity, the initial digital welfare credential can be determined as the first digital welfare credential bound to the member ID, that is, each initial digital welfare credential that can purchase the target commodity is regarded 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 credential. After receiving the payment instruction, the first institution determines the account where the amount of the target digital welfare credential is located, and transfers the amount of the target digital welfare credential in the account to the clearing account. The clearing account then sends the funds to the account of the acquiring institution, which then settles the funds to the merchant holding the goods to complete the use of the target digital welfare credential. After completing the deduction of the amount in the target digital welfare credential, the first institution generates electronic bill information. The electronic bill information is the basic information of the electronic receipt, which includes the electronic receipt number, date, credential identifier of the target digital welfare credential, deducted amount, and other information.

[0085] In this embodiment, a card package graphic code presented by a user terminal and sent by an acquiring institution is obtained, and the card package graphic code is identified to determine the target product purchased by the user associated with the user terminal and the member ID associated with the user. The various digital welfare credentials bound to the member ID are obtained, and based on the payment amount of the target product, multiple target digital welfare credentials are determined from each first digital welfare credential, so that the amount of each digital welfare credential is greater than or equal to the payment amount. A payment instruction is generated using each target digital welfare credential and the payment amount, and the payment instruction is sent to the first institution that distributes the target digital welfare credential, so that the first institution can pay for the target product based on the amount of the target digital welfare credential. In this embodiment, the welfare card is bound to the user's member ID in the form of a digital welfare credential. When purchasing goods, the user only needs to present the card package QR code to automatically select multiple digital welfare credentials bound to the member ID to purchase the goods. The user does not need to switch between 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: Acquire various reference factors of each first digital welfare credential, wherein the various reference factors include the validity period, amount, and usage scenario of the first digital welfare credential.

[0088] In this embodiment, the system intelligently recommends a combination of credentials so that the user's digital welfare credentials are fully utilized. The system obtains various reference factors of the first digital welfare credential, including 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, which 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 based on various reference factors of the first digital welfare credential.

[0090] After determining the 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] For example, when the reference factors include the amount, if the amount is smaller, the amount corresponding to the amount will be larger; when the reference factors include 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 will be larger; when the reference factors include 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, and when the usage scenario is that the first digital welfare credential can only be used in two 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 circulated 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: Acquire multiple first-ranked digital welfare credentials 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.

[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. For example, the recommendation weight of digital welfare voucher 1 is greater than 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, and 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 for digital welfare credentials based on membership identification is proposed. In terms of interaction, the membership identification is always used as the only medium for transaction, which simplifies the user's payment operation process, makes the user "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 amount (amount limit), remaining available time (validity period), and usage scenario constraints of the digital welfare credential, and automatically completes the intelligent selection of digital welfare credentials. 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: Receive 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 details the amount deducted from each target digital welfare voucher, and the sum of the deducted amounts is equal to the payment amount.

[0100] Step S402: Obtain 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, then the amount limit of the target digital welfare credential is 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 FIG, before step S201, the method further includes:

[0106] Step S501: 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.

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

[0108] Step S502: 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.

[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. When the digital welfare credential is used, the amount will be allocated from the designated account for the use of the digital welfare credential.

[0110] Step S503: Receive the second digital welfare credential fed back by the second institution based on the credential application request, and bind the second digital welfare credential to the membership 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 ID to the system. The member ID of the second institution can be included in the credential application request. The system binds the member ID with the second digital welfare credential.

[0112] For example, refer to Figure 6 , Figure 6This is a schematic diagram of the association between member identification and digital welfare credentials. For example, a digital welfare credential is a Member 1 Activity 1 credential. The digital welfare credential includes a credential number, an application scenario (usage scenario), an expiration date, an amount, member identification information, and account identification information. The account identification information refers to the identification of the union account. A union account can support multiple activities. For example, the guarantee fund account of Activity 1 allocates Member 1 Activity 1 credential and Member n Activity 1 credential from the amount to be allocated a2; the guarantee fund account of Activity 2 allocates Member 1 Activity 2 credential and Member n Activity 2 credential from the amount to be allocated b2; the guarantee fund account of Activity n allocates Member 1 Activity n credential and 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 membership identification with the digital welfare credentials, so that users 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 obtaining the user's identity information and the organization information of the activity union organization according to the membership application request.

[0116] In this embodiment, a grassroots union logs into 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 organizational information of the active union organization. The member information can be the user's identity information, and then sends the membership application request to the system. The system receives the membership application request sent by the active union organization and parses the membership application request to obtain the user's identity information and the organizational information of the active union organization.

[0117] Step S702: Generate a membership ID corresponding to the user based on the identity information and organization information, and send the membership 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 spliced ​​together to obtain the member ID. The system stores the member ID and sends the member ID to the activity union organization so that the activity 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 will create an activity identifier for the activity and send 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 designated event ends, union staff log in to the union platform and select the corresponding event number (event identifier). After clicking the "Get Statements and Receipts" button, the platform initiates a corresponding instruction (event bill acquisition request) to the system. The system then sends the instruction to the second-party organization, which filters relevant payment records based on the "event number" and generates corresponding electronic statements and electronic receipts based on the "merchant code" dimension as usage information. This usage information is returned to the system, which pushes it to the platform, which then displays the information (all statements and electronic receipts for the event) to the union. The grassroots union initiates an "invoice request." Merchants log in to the platform and review the corresponding statements based on the invoice request. If they confirm that they are correct, the invoice is issued and delivered as agreed with the union. If the merchant has any questions about the electronic statement, they can further review the electronic receipt. Subsequently, the union receives invoices from all merchants and uploads them to the union platform. This allows the union to integrate the multi-stream information flow of "event creation - voucher issuance - voucher usage - bank statements and receipts - invoices," achieving full information transparency.

[0122] In this embodiment, in terms of business model, a digital welfare credential issuance plan 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-corporate 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 funds are paid in real time by 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, and reasons.

[0124] In terms of collecting materials for public invoices, this embodiment establishes an association between payment information and the second institution's statement and receipt, thereby achieving a clear division of various activities and the use of funds for matters under the credential combination payment, and realizing the automated collection of relevant evidence for the issuance of public invoices without the awareness of the participation of enterprises and merchants in the payment process, and ultimately promoting the issuance of public invoices.

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

[0126] The first acquisition module 810 is configured to acquire the card package graphic code presented by the user terminal and the payment request sent by the acquiring institution, obtain the payment amount of the user associated with the user terminal for purchasing the target product based on the payment request, and identify the card package graphic code to obtain the user's corresponding member ID;

[0127] A second acquisition module 820 is configured to acquire each first digital welfare voucher bound to the membership identification, and determine multiple target digital welfare vouchers from each first digital welfare voucher based on the payment amount of the target product, wherein the sum of the amounts of the target digital welfare vouchers is greater than or equal to the payment amount;

[0128] The generation module 830 is used to generate a payment instruction based on 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 configured to:

[0130] Obtaining various reference factors of each first digital welfare credential, wherein the various reference factors include 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 based on 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 configured 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 a case where 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 membership identification.

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

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

[0139] Obtain the deducted amount of the target digital welfare voucher based on the payment completion information;

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

[0141] In some embodiments, the payment system 800 is specifically configured 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 configured 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] Receive the second digital welfare credential fed back by the second institution based on the credential application request, and bind the second digital welfare credential to the member identification.

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

[0148] Receive membership application requests from the event union organization and obtain the user's identity information and the event union organization's organizational information based on the membership application request;

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

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

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

[0152] receiving an activity bill acquisition request carrying an activity identifier from 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 are specifically referred to the above embodiment 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-mentioned 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 Figure 9 , Figure 9 A schematic diagram of the hardware structure of an electronic device provided in an embodiment of the present application.

[0157] like Figure 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, for storing computer-executable instructions;

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

[0160] The processor 901 is configured to execute computer-executable instructions stored in the memory to implement the various steps of 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, which stores computer-executable instructions. When a processor executes the computer-executable instructions, the various steps in the payment method described in the above embodiment are 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 computer program implements the various steps of the payment method described in the above embodiment.

[0165] In the several embodiments provided in this 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 merely illustrative. For example, the division of modules is only a logical function division. In actual implementation, there may be other division methods, such as multiple modules can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interface, device or module, which can be electrical, mechanical or other forms.

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

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

[0168] The above-mentioned integrated module implemented in the form of a software functional module can be stored in a computer-readable storage medium. The above-mentioned software functional module is stored in a storage medium and includes a number of instructions for causing a computer device (which can be a personal computer, server, or 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), 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. The steps of the method disclosed in the application may be directly implemented by a hardware processor or implemented 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.

[0171] The bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus. Buses can be classified into address buses, data buses, and control buses. For ease of illustration, the buses in the drawings of this application are not limited to just one bus or just one type of bus.

[0172] The storage medium may be implemented by any type of volatile or non-volatile memory 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 storage, flash memory, magnetic disk, or optical disk. The storage medium may be any available medium that can be accessed by a general-purpose 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 them. 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 make equivalent replacements for some or all of the technical features therein. These modifications or replacements do not deviate the essence of the corresponding technical solutions from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A payment method, characterized in that: include: Obtaining the card package graphic code and payment request sent by the acquiring institution, and obtaining the payment amount of the user associated with the user terminal to purchase the target product based on the payment request, and identifying the card package graphic code to obtain the member ID corresponding to the user; Obtaining each first digital welfare voucher bound to the membership identification, and determining a plurality of 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 the 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 includes: Obtaining various reference factors of each of the first digital welfare credentials, each of the reference factors including a validity period, an amount, and a usage scenario of the first digital welfare credential; determining a recommendation weight corresponding to the first digital welfare credential based on 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: Obtaining each initial digital welfare credential bound to the membership identification, and obtaining each commodity associated with each initial digital welfare credential; In a case where 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 membership identification.

4. The method according to claim 1, wherein 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; Obtaining the deducted amount of the target digital welfare credential according to the payment completion information; The 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 membership 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: Receiving an activity application request sent by an activity union organization, 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; generating a credential application request based on the activity amount, the validity period, and the usage scenario, and sending the credential application request to the second institution; Receive a second digital welfare credential fed back by the second institution based on the credential application request, and bind the second digital welfare credential to the membership 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 the 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: A first acquisition module is configured to acquire a card package graphic code and a payment request sent by an acquirer and obtain, based on the payment request, a payment amount for a target commodity purchased by a user associated with the user terminal, and identify the card package graphic code to obtain a member ID corresponding to the user; a second acquisition module, configured to acquire each first digital welfare voucher bound to the membership identification, and determine a plurality of 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 generation module is used to generate a payment instruction based on each of the target digital welfare credentials and the payment amount, and send the payment instruction to the 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 configured 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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