Payment system, method, device, storage medium and electronic device

Abstract

This specification discloses a payment system. A non-receiving device receives product information and a first payment amount from a merchant's payment device. Simultaneously, based on contactless communication with a user terminal, it obtains the payment identifier of the paying user. Based on the payment identifier and the first payment amount, it generates settlement information associated with the product information and sends it to the settlement system. The settlement system determines a second payment amount based on the marketing rules corresponding to the product information and the first payment amount, and then performs settlement payment based on the second payment amount and the payment identifier. This payment system requires only that the marketing rules be pre-configured in the settlement system. No additional operations are required from the payment personnel or the paying user. During the payment process, the pre-configured marketing rules can be used to process payments for the paying user, effectively improving the convenience for merchants and users participating in marketing activities in offline retail scenarios.

Description

Technical Field

[0001] This specification relates to the field of computer technology, and in particular to a payment system, method, apparatus, storage medium and electronic device. Background Technology

[0002] While people are becoming increasingly accustomed to online retail with the development of e-commerce, online retail can never completely replace offline retail. Therefore, for brands to promote their products, they need to consider both online and offline marketing strategies.

[0003] For online marketing campaigns, most e-commerce platforms can directly configure the brand's marketing activities within the platform, breaking geographical constraints. No matter where the user is, as long as they purchase the corresponding goods online, the marketing rules corresponding to that campaign can be directly applied to the user's settlement.

[0004] For offline marketing activities, the current approach relies solely on the cashiers or users at physical stores to process payments according to the marketing rules.

[0005] For example, a brand offers a promotional discount on beverage A at a physical store. The original price is 5 yuan per bottle, but if purchased at that store, it's only 3 yuan per bottle. This promotional rule either requires the store's cashier to manually enter the promotional price "3 yuan," or the user must first obtain an online coupon for the promotion and show it to the cashier for verification before the user can pay the promotional price.

[0006] Therefore, how to improve the convenience for merchants and users to participate in marketing activities in offline retail scenarios has become an urgent problem to be solved. Summary of the Invention

[0007] This specification provides a payment system, method, apparatus, storage medium, and electronic device to partially address the problems existing in the prior art.

[0008] The embodiments in this specification adopt the following technical solutions:

[0009] This specification provides a payment system, which includes: a user terminal, a non-acceptance device, a merchant payment device, and a settlement system; wherein:

[0010] The merchant payment device is used to send the product information of the goods to be settled and the first payment amount to the non-receiving device;

[0011] The user terminal is used for contactless communication with the non-receiving device;

[0012] The non-receiving device, in response to contactless communication with the user terminal, obtains the payment identifier of the paying user, and generates settlement information associated with the product information based on the payment identifier and the first amount received, and sends the settlement information to the settlement system;

[0013] The settlement system is used to determine the product information based on the settlement information, query the marketing rules corresponding to the pre-saved product information based on the product information, determine the second payment amount based on the marketing rules and the first payment amount, and perform settlement payment for the paying user based on the second payment amount and the payment identifier.

[0014] This specification provides a payment method, which includes:

[0015] The system receives settlement information associated with the product information of the goods to be settled, sent by a non-receiving device. The settlement information includes the payment identifier of the paying user and the first amount received for the goods to be settled. The product information and the first amount received are sent by the merchant's payment device to the non-receiving device. The payment identifier of the paying user is obtained by the non-receiving device in response to contactless communication with the user terminal of the paying user.

[0016] The product information is determined based on the settlement information;

[0017] Based on the product information, query the marketing rules corresponding to the pre-saved product information;

[0018] The second payment amount is determined based on the marketing rules and the first payment amount;

[0019] Settlement and payment are made for the paying user based on the second amount received and the payment identifier.

[0020] This specification provides a payment device, the device comprising:

[0021] A receiving module is used to receive settlement information associated with the product information of the goods to be settled, sent by a non-receiving device; wherein the settlement information includes the payment identifier of the paying user and the first amount of payment for the goods to be settled, the product information and the first amount of payment are sent by the merchant's payment device to the non-receiving device, and the payment identifier of the paying user is obtained by the non-receiving device in response to contactless communication with the user terminal of the paying user;

[0022] The query module is used to determine the product information based on the settlement information, and to query the marketing rules corresponding to the pre-saved product information based on the product information.

[0023] The determining module is used to determine the second payment amount based on the marketing rules and the first payment amount;

[0024] The payment module is used to settle payments for the paying user based on the second amount received and the payment identifier.

[0025] This specification provides a computer-readable storage medium storing a computer program that, when executed by a processor, implements the payment method described above.

[0026] This specification provides an electronic device including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the program to implement the aforementioned payment method.

[0027] The above-described at least one technical solution adopted in the embodiments of this specification can achieve the following beneficial effects:

[0028] This specification discloses a payment system. A non-receiving device receives product information and a first payment amount from a merchant's payment device. Simultaneously, based on contactless communication with a user terminal, it obtains the payment identifier of the paying user. Then, based on the payment identifier and the first payment amount, it generates settlement information associated with the product information and sends it to the settlement system. The settlement system then determines a second payment amount based on the marketing rules corresponding to the product information and the first payment amount, and performs settlement payment for the paying user based on the second payment amount and the payment identifier. This payment system requires only that the marketing rules be pre-configured in the settlement system. No additional operations are required from the payment personnel or the paying user. During the payment process, the pre-configured marketing rules can be used to process payments for the paying user, effectively improving the convenience for merchants and users participating in marketing activities in offline retail scenarios. Attached Figure Description

[0029] The accompanying drawings, which are included to provide a further understanding of this specification and form part of this specification, illustrate exemplary embodiments and are used to explain this specification, but do not constitute an undue limitation thereof. In the drawings:

[0030] Figure 1 This specification provides a schematic diagram of a payment system structure as an embodiment.

[0031] Figure 2 A flowchart of a payment method provided in the embodiments of this specification;

[0032] Figure 3 A detailed flowchart illustrating the payment method provided in the embodiments of this specification;

[0033] Figure 4 A schematic diagram of a payment device provided in the embodiments of this specification;

[0034] Figure 5 This is a schematic diagram of the structure of the electronic device provided in the embodiments of this specification. Detailed Implementation

[0035] Currently, electronic payment methods such as QR code scanning, facial recognition, and contactless communication are becoming increasingly common. In practical applications, most marketing activities essentially adjust the final payment amount based on their own marketing rules. Therefore, the embodiments in this specification aim to introduce marketing rules into the user's payment process, automatically adjusting the final payment amount through these rules.

[0036] To incorporate marketing rules into the payment process, the settlement system needs more than just the amount to be settled; it also needs to know the type of product purchased by the user. Only then can the system apply the corresponding marketing rules and process the payment. Therefore, in this embodiment, the front-end non-receiving device and the merchant's payment device work together to transmit the product identifier of the product to be settled to the back-end settlement system. This allows the settlement system to select the applicable marketing rules for payment based on the product identifier. Based on this, this embodiment provides a payment system, such as... Figure 1 As shown.

[0037] To make the objectives, technical solutions, and advantages of this specification clearer, the technical solutions of this specification will be clearly and completely described below in conjunction with specific embodiments and corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of this specification, and not all of them. Based on the embodiments in this specification, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this specification.

[0038] The technical solutions provided in the various embodiments of this specification are described in detail below with reference to the accompanying drawings.

[0039] Figure 1 This specification provides a schematic diagram of a payment system structure, including: a user terminal, a non-acceptance device, a merchant payment collection device, and a settlement system.

[0040] Among them, user terminals include the terminals used by payment users, especially mobile terminals such as mobile phones and smartwatches.

[0041] A non-contact payment device is a device used to provide various electronic payment methods to users, including offline electronic payment methods such as QR code scanning, facial recognition, and contactless communication-based electronic payments. This manual only uses the example of a non-contact payment device providing contactless communication-based electronic payments. This non-contact payment device connects to the merchant's payment device via wired cable or wireless network (such as WiFi).

[0042] Merchant payment terminals, such as cash registers, are devices used by offline merchants to collect payments in offline retail scenarios. Generally, besides cash payments, merchant payment terminals offer very limited electronic payment options, or even none at all. Therefore, if offline merchants want to accept multiple electronic payment methods, they need to connect to the aforementioned non-accepting devices to receive payments through these devices' various electronic payment methods.

[0043] The settlement system is located in the backend and is used to settle payments for payers based on their payment identifiers and the amount received.

[0044] Generally, offline merchants pre-configure the product identifiers and corresponding payment amounts for the goods they sell in their payment devices. When a customer purchases goods from a merchant, they bring the goods to be settled to the cashier. The cashier then uses the payment device to obtain the product information of the goods to be settled. In this embodiment, the product information includes the product identifier (which can be obtained by scanning the barcode of the goods on the payment device or by directly inputting the product identifier into the payment device) and the quantity of the goods. The payment device then determines the payment amount based on this product information and sends the amount to a connected non-receiving device. Simultaneously, the customer can use their own user terminal to communicate contactlessly with the aforementioned non-receiving device. The non-receiving device then obtains the customer's payment identifier based on this contactless communication with the user terminal. At this point, the non-receiving device has obtained the payment identifier and the amount received from the paying user. Therefore, it can send the payment identifier and the amount received to the backend settlement system. The settlement system can then transfer the amount received from the paying user's account to the offline merchant's account based on the payment identifier to complete the settlement payment.

[0045] However, since the embodiments of this specification require the introduction of marketing rules into the payment process described above, and these marketing rules change the final amount that the paying user needs to pay, the embodiments of this specification provide, as follows: Figure 2 The payment methods shown.

[0046] Figure 2A flowchart of a payment method provided for embodiments of this specification includes the following steps:

[0047] S200: The merchant's payment device sends the product information of the goods to be settled and the first payment amount to the non-accepting device.

[0048] In the embodiments of this specification, offline merchants can pre-configure the product identifiers and corresponding payment amounts of the goods they sell in their merchant payment devices. When a paying user purchases goods from an offline merchant, the merchant payment device acquires product information, including the product identifier and quantity of the goods to be settled, and determines the payment amount for the goods to be settled as the first payment amount based on the acquired product information. This first payment amount and the product information of the goods to be settled need to be sent to the non-receiving device. The process shown in step S200 can be referred to as the information collection process for the goods to be settled.

[0049] S202: The user terminal communicates with the non-receiving device without contact.

[0050] S204: The non-receiving device responds to contactless communication with the user terminal to obtain the payment identifier of the paying user.

[0051] The payment system provided in the embodiments of this specification may also include a non-acceptance service terminal located in the backend corresponding to the non-acceptance device.

[0052] The non-accepting device can pre-write the payment page address provided by the non-accepting server. Specifically, the payment page address can be the Uniform Resource Locator (URL) of the payment page, and the access signal can be broadcast in real time.

[0053] In step S202, when the user terminal is close to the non-receiving device, it can receive the access signal broadcast by the non-receiving device and establish contactless communication with the non-receiving device based on the access signal.

[0054] In step S204, the non-receiving device can send the pre-written payment page address and its device identifier to the user terminal based on the contactless communication. The user terminal then accesses the non-receiving server based on the payment page address, obtains and displays the payment page provided by the non-receiving server to the paying user. This payment page contains an inquiry message asking whether the user authorizes the non-receiving server to provide the user's payment identifier to the non-receiving device; this inquiry message could be, for example, "Confirm payment?". When the paying user performs an operation on the payment page, such as clicking the confirmation button, the user terminal can confirm that the user has authorized the non-receiving server to provide the user's payment identifier to the non-receiving device. Therefore, it can send the authorization message and the device identifier to the non-receiving server. Upon receiving the authorization message, the non-receiving server generates a payment identifier corresponding to the paying user and sends this identifier to the non-receiving device based on the device identifier.

[0055] Alternatively, the user terminal may only send the authorization message to the non-receiving server. In response to the authorization message, the non-receiving server generates a payment identifier corresponding to the paying user and returns it to the user terminal. The user terminal then sends this payment identifier to the non-receiving device via contactless communication. This specification only illustrates the example of the non-receiving server directly sending the paying user's payment identifier to the non-receiving device.

[0056] Through steps S202-S204, the non-accepting device can obtain the payment identifier of the paying user. The process shown in steps S202-S204 can be referred to as the payment identifier acquisition process of the paying user.

[0057] It should be noted that the information collection process for the goods to be settled shown in step S200 and the payment identifier acquisition process for the paying user shown in steps S202~S204 can be executed simultaneously, and the order of execution is not important.

[0058] S206: The non-accepting device generates settlement information associated with the product information based on the payment identifier and the first amount received, and sends the settlement information to the settlement system.

[0059] After the non-paying device obtains the product information of the goods to be settled, the initial payment amount, and the payment identifier of the paying user, it can generate settlement information associated with the product information of the goods to be settled. Specifically, after receiving the product information and the initial payment amount sent by the merchant's payment device in step S200, the non-paying device can send the product information to the non-paying server. After receiving the authorization message from the user terminal in step S204, the non-paying server can generate a payment identifier corresponding to the paying user and send the payment identifier to the non-paying device. Simultaneously, it can associate the payment identifier with the product information. Thus, the settlement information generated by the non-paying device, containing the payment identifier and the initial payment amount, is associated with the product information at the non-paying server. The non-paying device then sends the settlement information to the settlement system for settlement and payment.

[0060] In practical applications, offline merchants primarily connect to payment systems through two methods: direct connection and indirect connection. The financial institution hosting the settlement system described in the embodiments of this specification will be referred to as the target financial institution, and other financial institutions as third-party financial institutions. These two methods will be explained in detail below.

[0061] For direct connection: When using the direct connection method, the offline merchant's payment device can be directly connected to the target financial institution as described above. Figure 1 The settlement system shown allows offline merchants to register their own merchant accounts directly with the target financial institution or with a third-party financial institution (such as a bank). In this case, the non-receiving device can first send settlement information, including the initial payment amount and the payer's payment identifier, back to the offline merchant's receiving device. The receiving device then directly sends this settlement information to the settlement system, which then coordinates subsequent steps to process the settlement payment. If the offline merchant's pre-designated receiving account is the merchant account registered with the target financial institution, the settlement system can directly transfer the corresponding amount to the payer's account after settlement. However, if the offline merchant's pre-designated receiving account is the merchant account registered with a third-party financial institution, the settlement system needs to transfer the corresponding amount to the payer's account through the payment network with the third-party financial institution after settlement.

[0062] For indirect connections, the offline merchant's payment device is not directly connected to the target financial institution as described above. Figure 1The settlement system shown is not connected to a third-party financial institution system. Therefore, the payment system at this time also includes a third-party financial institution system. The non-accepting device can first send the settlement information, including the first amount received and the payment identifier of the paying user, back to the merchant's receiving device, and then the merchant's receiving device sends the settlement information to the third-party financial institution system connected to the offline merchant. Finally, the third-party financial institution system sends the settlement information to... Figure 1 The settlement system shown is used to communicate with subsequent steps to conduct settlement and payment.

[0063] S208: The settlement system determines the product information based on the settlement information, and queries the marketing rules corresponding to the pre-saved product information based on the product information.

[0064] In the embodiments described in this specification, the backend management user can pre-configure the marketing rules corresponding to the marketing activities in the settlement system. Specifically, the backend management user can configure the product information applicable to the marketing rules, i.e., the product information corresponding to the marketing rules, and can also configure the settlement rules used for settlement in the marketing rules, which are the settlement rules corresponding to the marketing rules.

[0065] After receiving the settlement information, the settlement system can query the product information of the goods to be settled associated with the payment identifier at the non-accepting server based on the payment identifier contained in the settlement information, and then query the marketing rules corresponding to the product information based on the product information of the goods to be settled.

[0066] In offline retail scenarios, marketing rules for marketing activities are generally related not only to the products but also to the offline merchants. For example, a marketing campaign targeting a specific product might be conducted at one or a few offline merchants. Therefore, the marketing rules configured by backend administrators need to be associated with offline merchants in addition to product information. Since different offline merchants use different device identifiers for their non-receiving devices, and each device identifier can uniquely identify a non-receiving device, backend administrators can also configure the device identifiers of the non-receiving devices to which the marketing rules apply when configuring marketing rules. In other words, they can associate the marketing rules with specific offline merchants.

[0067] Therefore, after receiving the authorization message from the user terminal in step S204, the non-accepting server must associate the payment identifier with the product information and also associate the payment identifier with the device identifier of the non-accepting device.

[0068] The settlement system then needs to use the payment identifier contained in the received settlement information to query the device identifier and product information associated with that payment identifier at the non-accepting device. Based on the retrieved device identifier and product information associated with the payment identifier, it then queries the pre-saved marketing rules corresponding to the product information participated in by the merchant where the non-accepting device is located. In other words, it queries the marketing rules that correspond to both the device identifier and the product identifier.

[0069] S210: The settlement system determines the second payment amount based on the marketing rules and the first payment amount.

[0070] After the settlement system retrieves the marketing rules through step S208, it can determine the second payment amount based on the settlement rules within those marketing rules and the first payment amount received in the settlement information received in step S206. In other words, the first payment amount described in this embodiment is the original payment amount configured by the offline merchant in the merchant's payment device for the goods to be settled, while the second payment amount is the actual amount the paying user needs to pay when settling the goods using the applicable marketing rules.

[0071] For example, suppose the marketing rule is to offer a 60% discount to users who purchase a beverage from a certain offline merchant. The back-end administrator can configure the settlement rule corresponding to this marketing rule as: Second payment amount = First payment amount × 0.6. Thus, the settlement system can determine the second payment amount based on this settlement rule and the first payment amount.

[0072] S212: The settlement system performs settlement payment for the paying user based on the second amount received and the payment identifier.

[0073] After the settlement system determines the second payment amount through step S210, it can determine the payment account of the paying user based on the payment identifier of the paying user, and transfer the second payment amount in the payment account to the merchant account of the offline merchant to complete the payment.

[0074] Using the above method, the non-receiving device receives the product information and initial payment amount of the goods to be settled from the merchant's payment device. Simultaneously, based on contactless communication with the user terminal, it obtains the payment identifier of the paying user. Then, based on the payment identifier and the initial payment amount, it generates settlement information associated with the product information of the goods to be settled and sends it to the settlement system. The settlement system then determines the second payment amount based on the marketing rules corresponding to the product information and the initial payment amount, and performs settlement payment for the paying user based on the second payment amount and the payment identifier. This payment system only requires pre-configuring the marketing rules in the settlement system; no additional operations are required from the payment personnel or the paying user. During the payment process, the pre-configured marketing rules can be used to process payments for the paying user, effectively improving the convenience for merchants and users participating in marketing activities in offline retail scenarios.

[0075] In the embodiments described in this specification, Figure 1 The settlement system shown may include an acquiring platform and a marketing platform. The marketing platform is open to users who need to conduct marketing activities (such as brands, hereinafter referred to as marketing users) and offline merchants, allowing marketing users to publish their marketing activities on the marketing platform. Offline merchants can select which marketing activities to participate in based on the marketing activities published by each marketing user on the marketing platform. Once the marketing activities of the marketing users and the offline merchants participating in the marketing activities are determined, the back-end administrators can configure marketing rules on the marketing platform based on the copy of the marketing activities published by the marketing users, including product information of applicable products, device identification of non-accepting devices of participating offline merchants, settlement rules, etc.

[0076] The acquiring platform receives settlement information and processes payments for users according to marketing rules, such as... Figure 3 As shown.

[0077] Figure 3 This is a detailed flowchart illustrating the payment method provided in the embodiments of this specification. Figure 3 During the preparation phase, offline merchants need to configure the product identifier and corresponding first payment amount for each product in their own merchant payment devices. Marketing users can publish marketing activities on the marketing platform, and offline merchants can also participate in marketing activities on the marketing platform. Back-end administrators configure marketing rules on the marketing platform.

[0078] During the payment phase, the merchant's payment device sends the product information of the goods to be settled and the initial payment amount to the non-receiving device. Simultaneously, the user terminal engages in contactless communication with the non-receiving device. The non-receiving device, based on this contactless communication, sends a pre-written payment page address and its own device identifier to the user terminal, and simultaneously sends the product information of the goods to be settled to the non-receiving server. The user terminal accesses the non-receiving server based on the payment page address, obtains and displays the payment page provided by the non-receiving server to the paying user. In response to the paying user's confirmation on the payment page, the user terminal sends an authorization message and the device identifier of the non-receiving device to the non-receiving server. The non-receiving server generates a payment identifier corresponding to the paying user and sends this payment identifier to the non-receiving device, as well as associating the payment identifier with the product information of the goods to be settled and the device identifier of the non-receiving device. At this point, the non-receiving device has obtained the product information of the goods to be settled, the initial payment amount, and the paying user's payment identifier.

[0079] It should be noted that, Figure 3 This explanation only uses the example of the non-receiving server directly sending the generated payment identifier to the non-receiving device. The non-receiving server can also return the generated payment identifier to the user terminal, which can then send the payment identifier to the non-receiving device through contactless communication.

[0080] Next, the non-accepting device generates settlement information containing the payment user's payment identifier and the initial payment amount, and sends the settlement information back to the merchant's payment device. If the offline merchant connects directly to the target financial institution, the merchant's payment device sends the settlement information to the acquiring platform (…). Figure 3 (Identified by a solid line) If an offline merchant connects indirectly to the target financial institution, the merchant's payment device will send the settlement information to the third-party financial institution's system, which will then send the settlement information to the acquiring platform. Figure 3 (Identified by a dashed line).

[0081] After receiving the settlement information, the acquiring platform first determines the product information of the goods to be settled and the device identifier of the non-accepting device associated with the payment identifier based on the payment identifier contained in the settlement information. Then, based on the device identifier of the non-accepting device and the product information of the goods to be settled, it queries the marketing platform for the marketing rules corresponding to the product information of the offline merchant where the non-accepting device is located. Then, based on the settlement rules in the marketing rules and the first payment amount, it determines the second payment amount. Finally, based on the payment identifier of the paying user, it settles and pays the paying user.

[0082] In addition, in the embodiments of this specification, the marketing rules configured by the back-end administrator in cooperation with the marketing user, besides the discount rules in the example above, can also include the form of electronic coupons, such as electronic discount coupons. In this case, the marketing platform can specifically be a coupon platform. After receiving the settlement information, the acquiring platform can obtain the electronic coupon corresponding to the product information of the offline merchant where the non-accepting device is located from the coupon platform based on the device identifier and product information associated with the payment identifier in the settlement information. Then, based on the settlement rules corresponding to the electronic coupon and the first payment amount, it determines the second payment amount and settles the payment for the paying user. Of course, after settling the payment for the paying user, the acquiring platform also needs to verify the obtained electronic coupon.

[0083] This method eliminates the need for paying users to perform cumbersome coupon claiming and usage procedures, and also eliminates the need for offline merchants' cashiers to verify the coupons. Instead, users can directly participate in the marketing campaign by following the normal payment process through the aforementioned non-receiving devices.

[0084] The above is a payment method provided by the embodiments of this specification. Based on the same idea, this specification also provides corresponding devices, storage media and electronic devices.

[0085] Figure 4 This is a schematic diagram of a payment device provided in an embodiment of this specification. The device includes:

[0086] The receiving module 401 is used to receive settlement information sent by a non-receiving device that is associated with the product information of the product to be settled; wherein, the settlement information includes the payment identifier of the paying user and the first amount received for the product to be settled, the product information and the first amount received are sent by the merchant's payment device to the non-receiving device, and the payment identifier of the paying user is obtained by the non-receiving device in response to contactless communication with the user terminal of the paying user;

[0087] The query module 402 is used to determine the product information based on the settlement information, and query the marketing rules corresponding to the pre-saved product information based on the product information;

[0088] The determining module 403 is used to determine the second payment amount based on the marketing rules and the first payment amount;

[0089] The payment module 404 is used to settle payments for the paying user based on the second amount received and the payment identifier.

[0090] Optionally, the receiving module 401 is further configured to receive and store marketing rules configured by the backend management user before the query module 402 queries the marketing rules corresponding to the pre-saved product information; wherein the marketing rules include the device identifier of the non-accepting device of the merchant participating in the marketing rules, the product identifier of the product participating in the marketing rules, and the settlement rules of the product participating in the marketing rules.

[0091] Optionally, the query module 402 is specifically used to: query the device identifier of the non-accepting device associated with the payment identifier and the product information at the non-accepting server based on the payment identifier contained in the settlement information; and query the marketing rules corresponding to the product information participated in by the merchant where the non-accepting device is located in the stored marketing rules based on the device identifier and the product information.

[0092] Optionally, the determining module 403 is specifically used to determine the second payment amount by using the settlement rules in the queried marketing rules and the first payment data.

[0093] Optionally, the receiving module 401 is specifically used to receive settlement information associated with the product information of the goods to be settled, sent by the merchant payment device, wherein the settlement information is sent by the non-acceptance device to the merchant payment device; or, to receive settlement information associated with the product information of the goods to be settled, sent by a third-party financial institution system, wherein the settlement information is sent by the non-acceptance device to the merchant payment device and then sent by the merchant payment device to the third-party financial institution system.

[0094] This specification also provides a computer-readable storage medium storing a computer program that, when executed by a processor, can be used to perform the payment method provided above.

[0095] based on Figure 2 The payment method shown in this specification is further provided in the embodiments. Figure 5 The diagram shows the structure of the electronic device. Figure 5 At the hardware level, the electronic device includes a processor, internal bus, network interface, memory, and non-volatile storage, and may also include other hardware required for the business operations. The processor reads the corresponding computer program from the non-volatile storage into memory and then runs it to implement the aforementioned payment method.

[0096] The above description is merely an embodiment of this specification and is not intended to limit this specification. Various modifications and variations can be made to this specification by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this specification should be included within the scope of the claims of this specification.

Claims

1. A payment system, the payment system comprising: User terminals, non-receiving devices, merchant payment devices, and settlement systems; among which: The merchant payment device is used to send the product information of the goods to be settled and the first payment amount to the non-receiving device; The user terminal is used for contactless communication with the non-receiving device; The non-receiving device, in response to contactless communication with the user terminal, obtains the payment identifier of the paying user, and generates settlement information associated with the product information based on the payment identifier and the first amount received, and sends the settlement information to the settlement system; The settlement system is used to determine the product information based on the settlement information, query the marketing rules corresponding to the pre-saved product information based on the product information, determine the second payment amount based on the marketing rules and the first payment amount, and perform settlement payment for the paying user based on the second payment amount and the payment identifier. The settlement system includes a marketing platform and an acquiring platform; The acquiring platform, upon receiving the settlement information, determines the product information of the goods to be settled associated with the payment identifier and the device identifier of the non-accepting device based on the payment identifier contained in the settlement information; queries the marketing rules corresponding to the product information participated in by the merchant where the non-accepting device is located in the marketing platform based on the device identifier and the product information; determines the second payment amount based on the first payment amount and the settlement rules in the marketing rules; determines the payment account of the paying user based on the payment identifier; and transfers the second payment amount in the payment account to the merchant's merchant account.

2. The payment system as described in claim 1, further comprising: The non-receiving server corresponding to the non-receiving device; The user terminal is specifically used to obtain the payment page address sent by the non-receiving device through contactless communication; Based on the payment page address, display the payment page; in response to the payment user's operation on the payment page, send an authorization message to the non-accepting server; The non-acceptance server is used to send the payment identifier of the paying user to the non-acceptance device according to the received authorization message.

3. The payment system as described in claim 2, wherein the non-acceptance device is further configured to send the received product information to the non-acceptance server; The non-acceptance server is also used to associate the payment identifier of the paying user with the product information after receiving the authorization message.

4. The payment system as described in claim 3, wherein the non-accepting device is specifically used to send the settlement information to the merchant's payment receiving device; The merchant payment device is also used to send the settlement information to the settlement system; The settlement system is also used to query the product information associated with the payment identifier from the non-accepting server based on the payment identifier contained in the settlement information.

5. The payment system as described in claim 3, further comprising: Third-party financial institution systems; The non-receiving device is specifically used to send the settlement information to the merchant's payment receiving device; The merchant payment device is also used to send the settlement information to a third-party financial institution system; The third-party financial institution system is used to send the settlement information to the settlement system; The settlement system is also used to query the product information associated with the payment identifier from the non-accepting server based on the payment identifier contained in the settlement information.

6. The payment system as described in claim 2, wherein the non-accepting device is further configured to send the device identifier of the non-accepting device to the non-accepting server; The non-acceptance server is also used to associate the payment identifier with the device identifier after receiving the authorization message; The settlement system is specifically used to query the device identifier and the product information associated with the payment identifier at the non-accepting server based on the payment identifier contained in the settlement information.

7. The payment system as described in claim 6, wherein the marketing platform is configured to receive and store various marketing rules configured by the backend management user, each marketing rule including the device identifier of the non-accepting device of the merchant participating in the marketing rule, the product information of the product participating in the marketing rule, and the settlement rules of the product participating in the marketing rule.

8. A payment method, the method being applied to a backend acquiring platform, the method comprising: The acquiring platform receives settlement information associated with the product information of the goods to be settled, sent by a non-accepting device; wherein, the settlement information includes the payment identifier of the paying user and the first amount of payment for the goods to be settled, the product information and the first amount of payment are sent by the merchant's acquiring device to the non-accepting device, and the payment identifier of the paying user is obtained by the non-accepting device in response to contactless communication with the user terminal of the paying user; Based on the payment identifier contained in the settlement information, determine the product information of the goods to be settled associated with the payment identifier and the device identifier of the non-accepting device; Based on the device identifier and the product information, query the marketing rules corresponding to the product information participated in by the merchant where the non-accepting device is located in the marketing platform; The second payment amount is determined based on the marketing rules and the first payment amount; Based on the payment identifier, the payment account of the paying user is determined, and the second amount received in the payment account is transferred to the merchant's merchant account.

9. The method as described in claim 8, wherein the marketing platform is used to receive and store marketing rules configured by the backend management user; wherein, The marketing rules include the device identifier of the merchant's non-accepting device, the product identifier of the product participating in the marketing rules, and the settlement rules for the product participating in the marketing rules.

10. The method of claim 9, wherein the product information of the goods to be settled associated with the payment identifier and the device identifier of the non-accepting device are determined based on the payment identifier contained in the settlement information, specifically including: Based on the payment identifier contained in the settlement information, query the device identifier of the non-accepting device associated with the payment identifier and the product information at the non-accepting server.

11. The method of claim 9, wherein determining the second payment amount based on the marketing rules and the first payment amount specifically includes: The second amount of payment is determined by using the settlement rules in the retrieved marketing rules and the first amount of payment received.

12. The method as described in claim 8, wherein the acquiring platform receives settlement information sent by a non-accepting device that is associated with the product information of the goods to be settled, specifically including: The acquiring platform receives settlement information sent by the merchant's payment device, which is associated with the product information of the goods to be settled. This settlement information is sent by the non-accepting device to the merchant's payment device; or... The acquiring platform receives settlement information associated with the product information of the goods to be settled, sent by a third-party financial institution system. The settlement information is sent by the non-accepting device to the merchant's payment device, and then sent by the merchant's payment device to the third-party financial institution system.

13. A payment device, the device being used in a back-end acquiring platform, the device comprising: A receiving module is used to receive settlement information associated with the product information of the goods to be settled, sent by a non-receiving device; wherein the settlement information includes the payment identifier of the paying user and the first amount of payment for the goods to be settled, the product information and the first amount of payment are sent by the merchant's payment device to the non-receiving device, and the payment identifier of the paying user is obtained by the non-receiving device in response to contactless communication with the user terminal of the paying user; The query module is used to determine the product information of the goods to be settled associated with the payment identifier and the device identifier of the non-accepting device based on the payment identifier contained in the settlement information, and to query the marketing rules corresponding to the product information of the merchant where the non-accepting device is located in the marketing platform based on the device identifier and the product information. The determining module is used to determine the second payment amount based on the marketing rules and the first payment amount; The payment module is used to determine the payment account of the paying user based on the payment identifier, and transfer the second amount received in the payment account to the merchant's merchant account.

14. A computer-readable storage medium storing a computer program that, when executed by a processor, implements the method described in any one of claims 8-12.

15. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor, when executing the program, implements the method described in any one of claims 8-12.

Images