A payment system, method, apparatus, storage medium and electronic device

Abstract

The embodiment of the specification discloses a payment system, which displays an interactive interface on a display screen of a non-accepting device, so that a user can interact with the non-accepting device through the interactive interface, and in response to the human-computer interaction, the non-accepting device can participate in a marketing activity, a marketing platform randomly determines a discount amount and returns the non-accepting device, the non-accepting device determines a payment amount according to a commodity amount of a commodity to be settled and the discount amount at the next payment, and sends a payment request to a settlement system according to the payment amount and a payment identifier of the user, and the settlement system completes payment settlement according to the payment amount and the payment identifier. In the process of user payment, the above-mentioned system adds a marketing activity participation process triggered by human-computer interaction between the user and the non-accepting device, so that the user can participate in the marketing activity while making offline payment, and the human-computer interaction strengthens the user's perception of the marketing activity.

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] With the development of e-commerce, people are becoming more and more accustomed to online retail. However, online retail can never completely replace offline retail.

[0003] Currently, contactless payment devices supporting various contactless communication methods are widely used to facilitate offline payments in retail scenarios. Using these devices, users can complete offline payments through methods such as scanning QR codes, facial recognition, and contactless electronic payments.

[0004] How to facilitate offline payments for users while also enabling them to easily participate in marketing activities using non-receiving devices and enhancing their awareness of these activities is a problem that urgently needs to be solved. Summary of the Invention

[0005] This specification provides a payment system, method, apparatus, storage medium, and electronic device to partially address the problems existing in the prior art.

[0006] The embodiments in this specification adopt the following technical solutions:

[0007] This specification provides a payment system, which includes: a user terminal, a non-acceptance device, a marketing platform, and a settlement system; wherein:

[0008] The non-receiving device has a display screen for displaying an interactive interface and, in response to a first user's human-computer interaction with the non-receiving device through the interactive interface, sending an activity participation request to the marketing platform.

[0009] The marketing platform is used to randomly determine the discount amount based on the activity participation request, and return the discount amount to the non-accepting device;

[0010] The non-acceptance processing device is used to determine the amount to be paid based on the amount of the goods to be settled and the discount amount, and to obtain the payment identifier of the second user based on non-contact communication with the user terminal of the second user, and to send a payment request to the settlement system based on the amount to be paid and the payment identifier;

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

[0012] The settlement system determines the payment account corresponding to the payment identifier carried in the payment request, and performs settlement payment based on the payment account and the amount to be paid.

[0013] This specification provides a payment method applied to a non-receiving device with a display screen, the method comprising:

[0014] The non-receiving device displays an interactive interface through the display screen;

[0015] In response to the first user's human-computer interaction with the non-receiving device through the interactive interface, a request to participate in the activity is sent to the marketing platform;

[0016] Receive the discount amount randomly determined and returned by the marketing platform based on the activity participation request;

[0017] The amount to be paid is determined based on the amount of the goods to be settled and the discount amount; and the payment identifier of the second user is obtained based on contactless communication with the user terminal of the second user.

[0018] Based on the amount to be paid and the payment identifier, a payment request is sent to the settlement system, so that the settlement system determines the payment account corresponding to the payment identifier carried in the payment request, and performs settlement payment based on the payment account and the amount to be paid.

[0019] This specification provides a payment method, which includes:

[0020] Receive an activity participation request sent by a non-receiving device; wherein the activity participation request is sent by the non-receiving device in response to a human-computer interaction between the first user and the non-receiving device, and the human-computer interaction is performed by the first user through an interactive interface displayed by the non-receiving device;

[0021] The discount amount is randomly determined based on the activity participation request;

[0022] The discount amount is returned to the non-accepting device, which then determines the amount to be paid based on the value of the goods to be settled and the discount amount. The non-accepting device then sends a payment request to the settlement system based on the amount to be paid and the obtained payment identifier of the second user. The settlement system then determines the payment account corresponding to the payment identifier carried in the payment request and performs settlement payment based on the payment account and the amount to be paid. The payment identifier is obtained by the non-accepting device through contactless communication with the second user's user terminal.

[0023] This specification provides a payment method, which includes:

[0024] Receive an activity participation request sent by a non-receiving device; wherein the activity participation request is sent by a computer program deployed on the non-receiving device in response to a human-computer interaction between a first user and the non-receiving device, and the human-computer interaction is performed by the first user through an interactive interface displayed by the non-receiving device;

[0025] The activity participation request is sent to the marketing platform, which then randomly determines the discount amount based on the activity participation request.

[0026] The system receives the discount amount returned by the marketing platform and returns the discount amount to the non-accepting device. The non-accepting device then determines the amount to be paid based on the product amount corresponding to the product to be settled and the discount amount. Based on contactless communication with the second user's user terminal, the system obtains the payment identifier of the second user. Based on the amount to be paid and the payment identifier, the system sends a payment request to the settlement system. The settlement system then determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request and performs settlement payment based on the payment account and the amount to be paid.

[0027] This specification provides a payment device, which is applied to a non-acceptance device having a display screen, and the device includes:

[0028] The interaction module is used to display an interactive interface through the display screen; in response to the first user's human-computer interaction with the non-receiving device through the interactive interface, it sends an activity participation request to the marketing platform;

[0029] The receiving module is used to receive the discount amount randomly determined and returned by the marketing platform based on the activity participation request;

[0030] The determination module is used to determine the amount to be paid based on the amount of the goods to be settled and the discount amount; and to obtain the payment identifier of the second user based on contactless communication with the user terminal of the second user.

[0031] The sending module is used to send a payment request to the settlement system based on the amount to be paid and the payment identifier, so that the settlement system can determine the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and perform settlement payment based on the payment account and the amount to be paid.

[0032] This specification provides a payment device, the device comprising:

[0033] A receiving module is used to receive an activity participation request sent by a non-receiving device; wherein the activity participation request is sent by the non-receiving device in response to a human-computer interaction between the first user and the non-receiving device, and the human-computer interaction is performed by the first user through an interactive interface displayed by the non-receiving device.

[0034] The determining module is used to randomly determine the discount amount based on the activity participation request;

[0035] The sending module is used to return the discount amount to the non-accepting device, so that the non-accepting device determines the amount to be paid based on the amount of the goods to be settled and the discount amount, and sends a payment request to the settlement system based on the amount to be paid and the payment identifier of the second user. The settlement system then determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and performs settlement payment based on the payment account and the amount to be paid. The payment identifier is obtained by the non-accepting device through contactless communication with the user terminal of the second user.

[0036] This specification provides a payment device, the device comprising:

[0037] A receiving module is used to receive an activity participation request sent by a non-receiving device; wherein the activity participation request is sent by a computer program deployed on the non-receiving device in response to a human-computer interaction between a first user and the non-receiving device, and the human-computer interaction is performed by the first user through an interactive interface displayed by the non-receiving device.

[0038] The sending module is used to send the activity participation request to the marketing platform, so that the marketing platform randomly determines the discount amount based on the activity participation request.

[0039] The receiving module is further configured to receive the discount amount returned by the marketing platform and return the discount amount to the non-accepting device, so that the non-accepting device determines the amount to be paid based on the amount of the goods to be settled and the discount amount, and obtains the payment identifier of the second user based on contactless communication with the user terminal of the second user, and sends a payment request to the settlement system based on the amount to be paid and the payment identifier, so that the settlement system determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and performs settlement payment based on the payment account and the amount to be paid.

[0040] This specification provides a computer-readable storage medium storing a computer program that, when executed by a processor, implements the above-described payment method.

[0041] 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.

[0042] The above-described at least one technical solution adopted in the embodiments of this specification can achieve the following beneficial effects:

[0043] This specification discloses a payment system in its embodiments. The system displays an interactive interface on a screen on a non-receiving device, allowing users to interact with the device. In response to this interaction, the non-receiving device can participate in marketing activities. The marketing platform randomly determines a discount amount and returns it to the non-receiving device. In the next payment, the non-receiving device determines the amount to be paid based on the price of the goods to be settled and the discount amount, and sends a payment request to the settlement system based on the amount to be paid and the user's payment identifier. The settlement system then completes the payment settlement based on the amount to be paid and the payment identifier. This system incorporates a marketing activity participation process triggered by user interaction with the non-receiving device during the user's payment process. This allows users to participate in marketing activities while making offline payments, and enhances the user's perception of the marketing activities through human-computer interaction. Attached Figure Description

[0044] 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:

[0045] Figure 1 This is a schematic diagram of the structure of a payment system provided in an embodiment of this specification;

[0046] Figure 2 This is a schematic diagram of a payment method provided in an embodiment of this specification;

[0047] Figure 3 This is a schematic diagram of a first type of payment device provided in the embodiments of this specification;

[0048] Figure 4 This is a schematic diagram of a second payment device provided in the embodiments of this specification;

[0049] Figure 5 A schematic diagram of a third payment device provided in the embodiments of this specification;

[0050] Figure 6 This is a schematic diagram of the structure of the electronic device provided in the embodiments of this specification. Detailed Implementation

[0051] 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.

[0052] The technical solutions provided in the various embodiments of this specification are described in detail below with reference to the accompanying drawings.

[0053] The embodiments in this specification aim to utilize the display screen of a non-receiving device to enable users to interact with the non-receiving device, and to use this interaction as a trigger to allow users to directly participate in marketing activities during offline payments. To this end, this specification provides, for example... Figure 1 The system shown.

[0054] Figure 1 This is a schematic diagram of a payment system provided in an embodiment of the present specification. The payment system includes a user terminal, a non-acceptance device, a marketing platform, and a settlement system.

[0055] Among them, user terminals include the terminals used by payment users, especially mobile terminals such as mobile phones and smartwatches.

[0056] A non-contact payment device is a front-end device used to provide various electronic payment methods to users. It offers a variety of offline electronic payment methods, including QR code scanning, facial recognition, and contactless communication-based electronic payments. This manual only uses a non-contact payment device providing contactless communication-based electronic payments as an example. This non-contact payment device is similar to a merchant payment device also located at the front end (…). Figure 1 (Not shown in the image) can be connected to the merchant's payment device via wired cable or wireless network (such as WiFi). The merchant's payment device is used by cashiers in offline retail scenarios to collect payments. Generally, besides cash payments, the electronic payment methods offered by merchant payment devices are very limited, or even nonexistent. Therefore, if offline merchants want to accept multiple electronic payment methods, they need to connect to the aforementioned non-payment device to receive payments through its various electronic payment options.

[0057] The marketing platform, located on the backend, is pre-configured with marketing rules corresponding to marketing activities, and the discount amount corresponding to the marketing activity can be determined based on these rules.

[0058] The settlement system, located in the backend, mainly includes an acquiring platform. This platform receives pending payment orders sent by the payment initiator and processes the payment based on the three key elements contained in the pending payment order: the payer's payment account, the amount to be paid, and the payee's receiving account.

[0059] In the embodiments described in this specification, the aforementioned non-receiving device has a display screen, and in order to enable users to directly participate in marketing activities when making offline payments, based on Figure 1 The system shown in this specification provides embodiments as follows: Figure 2 The payment methods shown.

[0060] Figure 2 This specification provides a schematic diagram of a payment method flowchart, which specifically includes the following steps:

[0061] S200: The non-receiving device displays an interactive interface through the display screen.

[0062] In the embodiments of this specification, since the non-receiving device needs to display an interactive interface capable of human-computer interaction with the user, rather than simply displaying a static image that cannot be interacted with, a computer program can be pre-deployed on the non-receiving device, and the interactive interface can be displayed through the computer program. The aforementioned computer program can be either a standalone computer program directly installed on the non-receiving device, or a small program that needs to reside on a separate host program. The following explanation uses a small program as an example.

[0063] When the above computer program is a small program Figure 1 The system shown may also include a backend server corresponding to the mini-program. This backend server, located in the backend, provides resources for the mini-program in the frontend to display the interactive interface and interacts with the marketing platform to complete subsequent payments. Non-receiving devices can run the mini-program, which retrieves resources from the backend server to display the interactive interface, generates the interface based on these resources, and finally displays the interface on a screen.

[0064] Specifically, the marketing activities described in the embodiments of this specification may include activities that randomly reduce the discount amount for users within a preset range. The interactive interface displayed by the mini-program on a non-receiving device can at least be used to display an animation showing the value corresponding to the discount amount continuously changing within the preset range. The content of this animation may include: a spinning roulette wheel (such as a slot machine roulette wheel), where the value spinning on the roulette wheel always remains within the aforementioned preset range, and this value is the discount amount. Therefore, the resources provided by the backend server to the mini-program deployed on the non-receiving device for displaying this interactive interface at least include the aforementioned preset range. The mini-program can then generate an animation showing the value corresponding to the discount amount continuously changing within the preset range.

[0065] It should be noted that, regardless of the visual form of the interactive interface displayed on the screen of a non-device-receiving mini-program, this interactive interface is not just an animation effect or an image, but an interface that can respond to user operations and interact with the user.

[0066] S202: In response to the first user's human-computer interaction with the non-receiving device through the interactive interface, a request to participate in the activity is sent to the marketing platform.

[0067] Based on the interactive interface shown in step S200, the user can interact with the non-receiving device through this interface. The user interacting with the non-receiving device through this interface will be referred to as the first user.

[0068] The first user can interact with the non-receiving device by touching the display screen showing the aforementioned interactive interface. The non-receiving device then responds to the first user's touch operation by sending a request to the marketing platform to participate in the marketing activity corresponding to the interactive interface.

[0069] Specifically, non-receiving devices can send the activity participation request to the aforementioned backend server, which will then forward the activity participation request to the marketing platform.

[0070] It should be noted that the first user mentioned above can be the paying user (hereinafter referred to as the second user). In this case, when making an offline payment through a non-receiving device, the first user can first touch the screen of the non-receiving device displaying the aforementioned interactive interface. The non-receiving device then sends an activity participation request to the marketing platform through the backend server, so that the first user can directly participate in the marketing activity during this offline payment. Alternatively, the first user may not be the second user; that is, the user interacting with the non-receiving device and the user who actually makes the payment are not the same user.

[0071] S204: The marketing platform randomly determines the discount amount based on the activity participation request and returns the discount amount to the non-accepting device.

[0072] When the marketing activity is an activity that randomly reduces the amount of discount for users within a preset range, after receiving the activity participation request, the marketing platform can randomly determine the amount of discount within the preset range and return the amount of discount to the backend server, which then returns the amount of discount to the non-accepting device.

[0073] S206: The non-accepting device determines the amount to be paid based on the amount of the goods to be settled and the amount of the discount.

[0074] After a non-receiving device receives the discount amount returned by the backend server, the mini-program on that device can cache the discount amount and change the continuously changing animation displayed on the interactive interface to a screen showing the received discount amount. For example, if the interactive interface displays a continuously spinning wheel, and the mini-program receives the discount amount from the backend server, it can display an animation of the continuously spinning wheel slowly stopping. After the wheel stops, the value displayed on the wheel is the discount amount returned by the backend server.

[0075] Furthermore, offline merchants typically pre-configure the product identifiers and corresponding payment amounts for the goods they sell on their payment devices. Figure 1 In this embodiment (not shown), when a user purchases goods at an offline merchant, they bring the goods to the cashier. The cashier uses the merchant's payment device to obtain the goods' information. This information includes the goods' identifier (which can be scanned using a barcode scanner on the cashier's device or entered directly into the device) and the quantity. The cashier then determines the total amount of the goods based on this information and sends it to a connected non-paying device. Upon receiving the amount from the cashier, the non-paying device determines the amount to be paid based on the received amount and the currently cached discount amount.

[0076] Specifically, the difference between the received amount of goods and the currently cached discount amount can be determined as the amount to be paid.

[0077] S208: The non-receiving device obtains the payment identifier of the second user based on contactless communication with the user terminal of the second user.

[0078] Since merchants' receiving accounts are typically pre-configured in non-accepting devices, after step S206, the non-accepting device only has two of the three elements required for payment: the receiving account and the amount to be paid. The payment account of the paying user has not yet been collected. Therefore, the second user, acting as the paying user, can communicate contactlessly with the non-accepting device through their user terminal, and the non-accepting device can obtain the second user's payment identifier based on this contactless communication.

[0079] It should be noted that the payment identifier mentioned in this specification is not the payment account of the second user, but a string that carries a token and can be used to query the payment account of the second user.

[0080] Specifically, the non-receiving device can correspond to a non-receiving server located in the backend. In response to contactless communication with the second user's terminal, the non-receiving device can transmit pre-stored address information for accessing the non-receiving server to the user terminal via this contactless communication. The user terminal then accesses the non-receiving server based on this address information. The non-receiving server then provides a confirmation interface to the user terminal, prompting the second user to authorize the non-receiving server to generate a payment identifier for querying the second user's payment account. If the second user sends an authorization confirmation message to the non-receiving server through the confirmation interface, the non-receiving server generates a payment identifier for querying the second user's payment account based on a pre-stored one-time token and returns this payment identifier to the non-receiving device. Only then can the non-receiving device obtain the second user's payment identifier.

[0081] S210: The non-accepting device sends a payment request to the settlement system based on the amount to be paid and the payment identifier.

[0082] Once the non-accepting device obtains the amount to be paid and the payment identifier of the second user, it has gathered the three elements required for payment. At this point, it can send a payment request to the settlement system, i.e., the acquiring platform.

[0083] It should be noted that the payment request is not actually sent directly from the non-accepting device to the acquiring platform. In other words, in this embodiment of the specification, the actual initiator of this payment is not the non-accepting device, but the merchant's payment receiving device connected to the non-accepting device.

[0084] Specifically, the merchant's payment device sends the amount of the goods to be settled to the non-accepting device. The non-accepting device then determines the amount to be paid based on the amount of the goods and the cached discount amount, and obtains the payment identifier of the second user. After collecting the three elements required for payment, the non-accepting device returns the amount to be paid, the second user's payment identifier, and the merchant's payment account to the merchant's payment device. The merchant's payment device then generates a payment order based on the amount to be paid, the second user's payment identifier, and the merchant's payment account, and sends a payment request carrying the payment order to the acquiring platform to formally initiate the payment.

[0085] S212: The settlement system determines the payment account corresponding to the payment identifier carried in the payment request, and performs settlement payment based on the payment account and the amount to be paid.

[0086] Upon receiving a payment request, the settlement system (i.e., the acquiring platform) first verifies the validity of the token in the payment identifier carried in the pending payment order. If valid, it queries the payment account corresponding to the payment identifier (i.e., the second user's payment account), cancels the one-time token in the payment identifier, and then transfers the amount corresponding to the pending payment amount in the payment account to the receiving account in the pending payment order to complete the payment settlement. If the token in the payment identifier is invalid, it refuses to query the payment account corresponding to the payment identifier and refuses to complete the payment settlement.

[0087] In the embodiments of this specification, the reason why the first user and the second user can be the same user or different users, that is, the user who interacts with the non-accepting device and the user who actually makes the payment can be the same user or different users, is because the discount amount randomly determined by the marketing platform in this specification is not associated with any user, but only with the non-accepting device.

[0088] Specifically, when configuring marketing rules for a marketing campaign on a marketing platform, an access list is typically initialized. This access list records the device identifiers of non-approved devices allowed to participate in the marketing campaign. However, in this embodiment, the access list for the marketing campaign is initially empty. In step S202, when a non-approved device sends a campaign participation request to the marketing platform via the backend server, it can include its own device identifier in the request before sending it back to the marketing platform. Then, in step S204, after receiving the campaign participation request forwarded by the backend server, the marketing platform can, on the one hand, randomly determine a discount amount within a preset range and return this discount amount to the non-approved device via the backend server; on the other hand, it adds the device identifier from the campaign participation request to the access list and establishes an association between the device identifier and the randomly determined discount amount.

[0089] Therefore, in step S206, after the non-accepting device caches the discount amount, before determining the amount to be paid based on the cached discount amount and the amount of the received goods to be settled, it can periodically send a verification request to the backend server according to a preset period. The backend server then responds to the verification request, verifies whether the access list saved by the marketing platform contains the device identifier of the non-accepting device, and returns the verification result to the non-accepting device.

[0090] Specifically, non-approved devices can include their device identifier in the verification request sent to the backend server. The backend server then queries the access list stored on the marketing platform and determines whether the device identifier carried in the verification request exists in that list. Non-approved devices can also include their currently cached discount amount in the verification request sent to the backend server. The backend server can then query the marketing platform for discount amounts associated with the device identifier carried in the verification request and determine whether the discount amount carried in the verification request matches the queried discount amount associated with the device identifier carried in the verification request.

[0091] If the device identifier carried in the verification request exists in the access list stored by the marketing platform, and the discount amount carried in the verification request is consistent with the discount amount associated with the device identifier carried in the verification request, then the backend server can determine that the verification result is successful; otherwise, the verification result is unsuccessful.

[0092] In step S206, after the non-accepting device receives the verification result returned by the backend server, if the verification result is confirmed to be successful, the amount to be paid can be determined based on the amount of the goods to be settled and the amount of discount currently cached. Otherwise, it indicates that the non-accepting device itself is not allowed to participate in the marketing activity, or that the discount amount has expired and needs to be re-determined through the marketing platform.

[0093] In this embodiment, the discount amount can be a discount amount with a certain validity period. When the discount amount expires, the non-accepting device can be triggered to re-determine the discount amount through the marketing platform via human-computer interaction. Specifically, in step S204, after the non-accepting device receives the discount amount returned by the marketing platform through the backend server, it can cache the discount amount and display it on the screen. However, after the marketing platform adds the device identifier of the non-accepting device to the admission list, it only records the device identifier in the admission list for a preset time period. After the preset time period, the device identifier is deleted from the admission list, and the established association between the device identifier and the discount amount is also cleared. Therefore, in step S206, when the non-accepting device receives a verification result from the backend server indicating that the verification failed, it can clear the cached discount amount and re-display the interactive interface, which includes at least the animation of the corresponding value of the discount amount continuously changing within a preset range, so that the non-accepting device re-enters the state of step S200.

[0094] In this way, the aforementioned discount amount obtained by the non-accepting device is only associated with the non-accepting device itself and is not associated with any user, thus achieving the goal that the first user who triggers the marketing campaign to obtain the discount amount and the second user who actually makes the payment can not be the same user.

[0095] In addition, after the settlement system completes the payment based on the amount to be paid determined by the non-accepting device and the obtained payment identifier, it can also verify the discount amount determined by the marketing platform. Specifically, after completing the payment, the discount amount determined by the marketing platform can be determined, and the amount corresponding to the discount amount can be transferred from the preset fund pool to the merchant's collection account. Then, the marketing platform is notified to delete the device identifier of the non-accepting device from the access list and clear the established association between the device identifier and the discount amount. When the non-accepting device periodically checks whether the marketing platform's access list contains the device identifier through the backend server, it will receive a verification result indicating that the verification failed, thereby clearing the discount amount that it has cached. The interactive interface, which at least includes the value corresponding to the discount amount continuously changing within a preset range, is then displayed again on the screen, causing the non-accepting device to re-enter the state of step S200.

[0096] Of course, the above is an example of a marketing activity that randomly reduces the amount of discounts for users within a preset range. Those skilled in the art should understand that the marketing activity can also be other forms of marketing activity, and this specification does not limit it.

[0097] The above describes a payment system and method provided by embodiments of this specification. Based on the same idea, this specification also provides corresponding devices, storage media, and electronic devices.

[0098] Figure 3 This is a schematic diagram of a first payment device provided in an embodiment of this specification. The device is applied to a non-acceptance device with a display screen, and the device includes:

[0099] Interaction module 301 is used to display an interactive interface through the display screen; in response to the first user's human-computer interaction with the non-receiving device through the interactive interface, it sends an activity participation request to the marketing platform;

[0100] The receiving module 302 is used to receive the discount amount randomly determined and returned by the marketing platform based on the activity participation request;

[0101] The determining module 303 is used to determine the amount to be paid based on the amount of the goods to be settled and the discount amount; and to obtain the payment identifier of the second user based on contactless communication with the user terminal of the second user.

[0102] The sending module 304 is used to send a payment request to the settlement system according to the amount to be paid and the payment identifier, so that the settlement system can determine the payment account corresponding to the payment identifier carried in the payment request, and perform settlement payment according to the payment account and the amount to be paid.

[0103] Optionally, a computer program is pre-deployed on the device;

[0104] The interaction module 301 is specifically used to: run the computer program; obtain resources for displaying the interactive interface from the backend server corresponding to the computer program; generate the interactive interface based on the resources; and display the interactive interface through the display screen.

[0105] Optionally, the interaction module 301 is specifically used to send an activity participation request carrying the device identifier of the device itself to the backend server through the computer program, so that the backend server sends the activity participation request to the marketing platform, so that the marketing platform randomly determines the discount amount according to the activity participation request and adds the device identifier in the activity participation request to the admission list.

[0106] The receiving module 302 is further configured to receive the discount amount randomly determined and returned by the marketing platform based on the activity participation request, cache the discount amount, and send a verification request to the backend server, so that the backend server verifies whether the access list stored by the marketing platform contains the device identifier of the non-acceptance device, and returns the verification result to the device.

[0107] The determining module 303 is specifically used to receive the verification result, and when the received verification result is a successful verification, to determine the amount to be paid based on the amount of the goods to be settled and the discount amount.

[0108] Optionally, the interaction module 301 is further configured to display the discount amount on the display screen after the receiving module 302 has cached the discount amount;

[0109] After a preset time period, the device identifier is added to the admission list and then removed from the admission list.

[0110] The receiving module 302 is further configured to, when the received verification result is that the verification fails, clear the cached discount amount and redisplay the interactive interface through the display screen.

[0111] Optionally, the interactive interface is at least used to display an animation showing the value corresponding to the discount amount continuously changing within a preset range;

[0112] The interaction module 301 is specifically used to, in response to the first user's touch operation on the display screen showing the interactive interface, send an activity participation request to the marketing platform, so that the marketing platform randomly determines the discount amount within the preset range;

[0113] The interaction module 301 is further configured to, after the receiving module 302 receives the discount amount determined and returned by the marketing platform based on the activity participation request, change the continuously changing animation to a screen displaying the received discount amount.

[0114] Figure 4 This is a schematic diagram of a second payment device provided in an embodiment of this specification. The device is applied to a marketing platform and includes:

[0115] The receiving module 401 is used to receive an activity participation request sent by a non-receiving device; wherein the activity participation request is sent by the non-receiving device in response to a human-computer interaction between the first user and the non-receiving device, and the human-computer interaction is performed by the first user through an interactive interface displayed by the non-receiving device.

[0116] The determining module 402 is used to randomly determine the discount amount based on the activity participation request;

[0117] The sending module 403 is used to return the discount amount to the non-accepting device, so that the non-accepting device determines the amount to be paid based on the amount of the goods to be settled and the discount amount, and sends a payment request to the settlement system based on the amount to be paid and the payment identifier of the second user, so that the settlement system determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and performs settlement payment based on the payment account and the amount to be paid; wherein, the payment identifier is obtained by the non-accepting device through contactless communication with the user terminal of the second user.

[0118] Optionally, the activity participation request carries the device identifier of the non-accepting device;

[0119] The determining module 402 is further configured to, after receiving an activity participation request sent by a non-accepting device, add the device identifier in the activity participation request to the admission list; and after determining the discount amount based on the activity participation request, establish an association between the device identifier in the activity participation request and the determined discount amount.

[0120] Optionally, the determining module 402 is specifically used to add the device identifier to the admission list, and after a preset time period, delete the device identifier from the admission list, thereby deleting the association between the device identifier and the determined discount amount.

[0121] Optionally, the determining module 402 is specifically used to randomly determine the discount amount within a preset range.

[0122] Figure 5 This is a schematic diagram of a third payment device provided in the embodiments of this specification. The device is applied to a backend server and includes:

[0123] The receiving module 501 is used to receive an activity participation request sent by a non-receiving device; wherein the activity participation request is sent by a computer program deployed on the non-receiving device in response to a human-computer interaction between a first user and the non-receiving device, and the human-computer interaction is performed by the first user through an interactive interface displayed by the non-receiving device.

[0124] The sending module 502 is used to send the activity participation request to the marketing platform, so that the marketing platform randomly determines the discount amount based on the activity participation request;

[0125] The receiving module 501 is further configured to receive the discount amount returned by the marketing platform and return the discount amount to the non-accepting device, so that the non-accepting device determines the amount to be paid based on the amount of the goods corresponding to the goods to be settled and the discount amount, and obtains the payment identifier of the second user based on contactless communication with the user terminal of the second user, and sends a payment request to the settlement system based on the amount to be paid and the payment identifier, so that the settlement system determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and performs settlement payment based on the payment account and the amount to be paid.

[0126] Optionally, the sending module 502 is further configured to provide resources for displaying the interactive interface to the computer program deployed in the non-accepting device, the resources including at least a preset range, the preset range being used to enable the non-accepting device to generate an animation in which the value corresponding to the discount amount continuously changes within the preset range.

[0127] Optionally, the activity participation request carries the device identifier of the non-accepting device itself;

[0128] After the activity participation request is sent to the marketing platform, the device identifier in the activity participation request is added to the access list by the marketing platform and associated with the discount amount randomly determined by the marketing platform;

[0129] The device further includes:

[0130] The verification module 503 is used to receive the verification request sent by the non-accepting device; in response to the verification request, verify whether the access list saved by the marketing platform contains the device identifier of the non-accepting device; return the verification result to the non-accepting device, so that when the received verification result is a verification pass, the non-accepting device determines the amount to be paid based on the amount of the goods corresponding to the goods to be settled and the discount amount.

[0131] Optionally, the verification module 503 is specifically used to query whether the access list saved by the marketing platform contains the device identifier of the non-accepting device; if the device identifier of the non-accepting device is found in the access list saved by the marketing platform, and the discount amount associated with the device identifier is consistent with the discount amount currently cached by the non-accepting device, then the verification result is determined to be verification passed; otherwise, the verification result is determined to be verification failed.

[0132] 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.

[0133] based on Figure 2 The payment method shown in this specification is further provided in the embodiments. Figure 6 The diagram shows the structure of the electronic device. Figure 6 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.

[0134] 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 terminal, non-receiving device pre-deployed with computer programs, marketing platform, settlement system, and backend server corresponding to the computer programs; wherein: The non-receiving device has a display screen for displaying an interactive interface and, in response to a first user interacting with the non-receiving device through the interactive interface, sending an activity participation request carrying the device identifier of the non-receiving device to the backend server through the computer program. The backend server is specifically used to send the activity participation request to the marketing platform; The marketing platform is used to randomly determine the discount amount based on the activity participation request, return the discount amount to the non-accepting device through the backend server, and add the device identifier in the activity participation request to the admission list; The non-receiving device is used to cache the discount amount after receiving the discount amount, determine the amount to be paid based on the amount of the goods corresponding to the goods to be settled and the currently cached discount amount, obtain the payment identifier of the second user based on contactless communication with the user terminal of the second user, and send a payment request to the settlement system based on the amount to be paid and the payment identifier. The second user's user terminal is used for contactless communication with the non-receiving device; The settlement system determines the payment account corresponding to the payment identifier carried in the payment request, and performs settlement payment based on the payment account and the amount to be paid; The non-acceptance device is also used to send a verification request to the backend server before determining the amount to be paid; The backend server is also configured to, in response to the verification request, verify whether the access list stored by the marketing platform contains the device identifier of the non-accepting device, and return the verification result to the non-accepting device; The non-acceptance processing device is specifically used to determine the amount to be paid based on the amount of the goods to be settled and the discount amount when the received verification result is that the verification is passed; and to clear the cached discount amount and re-display the interactive interface through the display screen when the received verification result is that the verification is failed. The settlement system is also used to, after settling and paying according to the payment account and the amount to be paid, notify the marketing platform to remove the device identifier of the non-accepting device from the access list.

2. The payment system as described in claim 1, wherein the non-accepting device is specifically used to run the computer program, obtain resources for displaying the interactive interface from the backend server through the computer program, generate the interactive interface based on the resources, and display the interactive interface through the display screen; The backend server is used to provide the resources for displaying the interactive interface to the non-receiving device.

3. The payment system as described in claim 1, wherein the marketing platform is further configured to establish an association between the device identifier in the activity participation request and the discount amount determined by the marketing platform; The backend server is specifically used to determine the verification result as passed when it finds the device identifier of the non-accepting device in the access list stored on the marketing platform, and the discount amount associated with the device identifier is consistent with the discount amount currently cached by the non-accepting device; otherwise, it determines the verification result as failed.

4. The payment system as described in claim 1, wherein the non-accepting device is further configured to, upon receiving the discount amount, display the discount amount on the display screen; The marketing platform is specifically used to add the device identifier to the access list and delete the device identifier from the access list after a preset time period.

5. The payment system as described in claim 1, wherein the interactive interface is at least used to display an animation showing the value corresponding to the discount amount continuously changing within a preset range; The non-receiving device is specifically used to send an activity participation request to the marketing platform in response to a touch operation by the first user on the display screen showing the interactive interface; The marketing platform is specifically used to randomly determine the discount amount within the preset range; The non-receiving device is also used to, upon receiving the discount amount returned by the marketing platform, change the continuously changing animation to a screen displaying the received discount amount.

6. A payment method applied to a non-acceptance device having a display screen, the non-acceptance device having a computer program pre-deployed therein, the method comprising: The non-receiving device displays an interactive interface through the display screen; In response to the first user's human-computer interaction with the non-accepting device through the interactive interface, the computer program sends an activity participation request carrying the device identifier of the non-accepting device to the backend server corresponding to the computer program, so that the backend server sends the activity participation request to the marketing platform, so that the marketing platform randomly determines the discount amount according to the activity participation request and adds the device identifier in the activity participation request to the access list. Receive the discount amount returned by the marketing platform and cache the discount amount; The amount to be paid is determined based on the amount of the goods to be settled and the currently cached discount amount; Furthermore, based on contactless communication with the second user's user terminal, the payment identifier of the second user is obtained; Based on the amount to be paid and the payment identifier, a payment request is sent to the settlement system. The settlement system then determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and performs settlement payment based on the payment account and the amount to be paid. After settlement payment, the marketing platform is notified to remove the device identifier of the non-accepting device from the access list. After receiving the discount amount randomly determined and returned by the marketing platform based on the activity participation request, and before determining the amount to be paid based on the product amount corresponding to the product to be settled and the currently cached discount amount, the method further includes: A verification request is sent to the backend server, which verifies whether the access list stored by the marketing platform contains the device identifier of the non-accepting device, and returns the verification result to the non-accepting device. The amount to be paid is determined based on the value of the goods to be settled and the currently cached discount amount, specifically including: The system receives the verification result, and when the received verification result is a successful verification, it determines the amount to be paid based on the amount of the goods to be settled and the discount amount. When the received verification result is a failed verification, it clears the cached discount amount and redisplays the interactive interface through the display screen.

7. The method of claim 6, wherein the non-receiving device displays an interactive interface through the display screen, specifically including: The non-receiving device runs the computer program and obtains resources for displaying the interactive interface from the backend server corresponding to the computer program. The interactive interface is generated based on the resources; The interactive interface is displayed on the screen.

8. The method of claim 6, wherein after caching the discount amount, the method further comprises: The discount amount is displayed on the screen. After a preset time period, the device identifier is added to the admission list and then removed from the admission list.

9. The method as described in claim 6, wherein the interactive interface is at least used to display an animation showing the value corresponding to the discount amount continuously changing within a preset range; In response to the first user's human-computer interaction with the non-receiving device through the interactive interface, the computer program sends an activity participation request carrying the device identifier of the non-receiving device to the backend server corresponding to the computer program, specifically including: In response to the first user's touch operation on the display screen showing the interactive interface, the computer program sends an activity participation request carrying the device identifier of the non-receiving device itself to the backend server corresponding to the computer program, so that the marketing platform randomly determines the discount amount within the preset range. After receiving the discount amount returned by the marketing platform, the method further includes: The continuously changing animation will be replaced with a screen displaying the received discount amount.

10. A payment method, the method comprising: The system receives an activity participation request sent by a non-receiving device through a backend server corresponding to a computer program pre-deployed in the non-receiving device; wherein, the activity participation request is an activity participation request carrying the device identifier of the non-receiving device sent by the computer program to the backend server in response to the human-computer interaction between the first user and the non-receiving device, and the human-computer interaction is conducted by the first user through the interactive interface displayed by the non-receiving device; The discount amount is randomly determined based on the activity participation request; The device identifier in the activity participation request is added to the admission list, and the discount amount is returned to the non-accepting device, causing the non-accepting device to cache the discount amount. Based on the product amount corresponding to the product to be settled and the currently cached discount amount, the unpaid amount is determined. Then, based on the unpaid amount and the obtained payment identifier of the second user, a payment request is sent to the settlement system. The settlement system then determines the payment account corresponding to the payment identifier carried in the payment request and performs settlement payment based on the payment account and the unpaid amount. The payment identifier is obtained by the non-accepting device through contactless communication with the second user's user terminal. The non-accepting device is further configured to send a verification request to the backend server before determining the amount to be paid. The backend server is also configured to, in response to the verification request, verify whether the access list stored by the marketing platform contains the device identifier of the non-accepting device, and return the verification result to the non-accepting device; The non-acceptance processing device is specifically used to determine the amount to be paid based on the amount of the goods corresponding to the goods to be settled and the discount amount when the received verification result is that the verification is passed; and to clear the cached discount amount and re-display the interactive interface through the display screen when the received verification result is that the verification is failed. The method further includes: Upon receiving a notification sent by the settlement system after settlement payment based on the payment account and the amount to be paid, the device identifier of the non-accepting device is removed from the admission list.

11. The method of claim 10, further comprising, after determining the discount amount based on the activity participation request: Establish a correlation between the device identifier in the activity participation request and the determined discount amount.

12. The method of claim 10, wherein adding the device identifier in the activity participation request to the admission list specifically includes: The device identifier is added to the admission list, and after a preset time period, the device identifier is deleted from the admission list, thus removing the association between the device identifier and the determined discount amount.

13. The method as described in claim 10, wherein randomly determining the discount amount specifically includes: The discount amount is randomly determined within a preset range.

14. A payment method, the method comprising: Receive an activity participation request sent by a non-receiving device; wherein the activity participation request is sent by a computer program deployed on the non-receiving device in response to a human-computer interaction between a first user and the non-receiving device, and the human-computer interaction is performed by the first user through an interactive interface displayed by the non-receiving device; the activity participation request carries the device identifier of the non-receiving device itself. The activity participation request is sent to the marketing platform, which then randomly determines the discount amount based on the activity participation request and adds the device identifier in the activity participation request to the access list. The system receives the discount amount returned by the marketing platform and returns the discount amount to the non-accepting device, causing the non-accepting device to cache the discount amount. Based on the product amount corresponding to the product to be settled and the currently cached discount amount, the system determines the amount to be paid. Based on contactless communication with the user terminal of the second user, the system obtains the payment identifier of the second user. Based on the amount to be paid and the payment identifier, the system sends a payment request to the settlement system, so that the settlement system can determine the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and perform settlement payment based on the payment account and the amount to be paid. The method further includes: Receive the verification request sent by the non-receiving device; In response to the verification request, verify whether the access list stored by the marketing platform contains the device identifier of the non-acceptable device; The verification result is returned to the non-accepting device. When the non-accepting device receives a verification result indicating that the verification has passed, it determines the amount to be paid based on the amount of the goods to be settled and the currently cached discount amount. When the received verification result indicates that the verification has failed, it clears the cached discount amount and redisplays the interactive interface on the display screen. The settlement system is also used to, after settling and paying according to the payment account and the amount to be paid, notify the marketing platform to remove the device identifier of the non-accepting device from the access list.

15. The method of claim 14, further comprising: Resources for displaying the interactive interface are provided to the computer program deployed in the non-accepting device. The resources include at least a preset range, which is used to enable the non-accepting device to generate an animation in which the value corresponding to the discount amount continuously changes within the preset range.

16. The method of claim 14, wherein after the activity participation request is sent to the marketing platform, the device identifier in the activity participation request is associated with a discount amount randomly determined by the marketing platform; Verifying whether the access list stored by the marketing platform contains the device identifier of the non-acceptable device specifically includes: Check whether the access list saved by the marketing platform contains the device identifier of the non-acceptable device; If the device identifier of the non-accepting device is found in the access list saved on the marketing platform, and the discount amount associated with the device identifier is consistent with the discount amount currently cached by the non-accepting device, then the verification result is determined to be successful; otherwise, the verification result is determined to be unsuccessful.

17. A payment device applied to a non-acceptance device having a display screen, the non-acceptance device having a computer program pre-deployed therein, the device comprising: An interactive module is used to display an interactive interface through the display screen; In response to the first user's human-computer interaction with the non-accepting device through the interactive interface, the computer program sends an activity participation request carrying the device identifier of the non-accepting device to the backend server corresponding to the computer program, so that the backend server sends the activity participation request to the marketing platform, so that the marketing platform randomly determines the discount amount according to the activity participation request and adds the device identifier in the activity participation request to the access list. The receiving module is used to receive the discount amount returned by the marketing platform and cache the discount amount; The determination module is used to determine the amount to be paid based on the amount of the goods corresponding to the goods to be settled and the currently cached discount amount; Furthermore, based on contactless communication with the second user's user terminal, the payment identifier of the second user is obtained; The sending module is used to send a payment request to the settlement system based on the amount to be paid and the payment identifier, so that the settlement system can determine the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and perform settlement payment based on the payment account and the amount to be paid. After settlement payment, the system notifies the marketing platform to delete the device identifier of the non-accepting device from the access list. The determining module is further configured to, before determining the amount to be paid based on the amount of goods corresponding to the goods to be settled and the currently cached discount amount, send a verification request to the backend server, so that the backend server verifies whether the access list stored by the marketing platform contains the device identifier of the non-accepting device, and returns the verification result to the non-accepting device. The determining module is specifically used to receive the verification result, and when the received verification result is that the verification passed, it determines the amount to be paid based on the amount of the goods corresponding to the goods to be settled and the discount amount. When the received verification result is that the verification failed, it clears the cached discount amount and redisplays the interactive interface through the display screen.

18. A payment device, the device comprising: A receiving module is configured to receive an activity participation request sent by a non-receiving device through a backend server corresponding to a computer program pre-deployed in the non-receiving device; wherein, the activity participation request is an activity participation request carrying the device identifier of the non-receiving device itself sent by the non-receiving device to the backend server through the computer program in response to the human-computer interaction between the first user and the non-receiving device, and the human-computer interaction is conducted by the first user through an interactive interface displayed by the non-receiving device; The determining module is used to randomly determine the discount amount based on the activity participation request; The sending module is used to add the device identifier from the activity participation request to the admission list, return the discount amount to the non-accepting device, cache the discount amount, determine the amount to be paid based on the product amount corresponding to the product to be settled and the currently cached discount amount, and send a payment request to the settlement system based on the amount to be paid and the obtained payment identifier of the second user. The settlement system then determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request and performs settlement payment based on the payment account and the amount to be paid. The payment identifier is obtained by the non-accepting device through contactless communication with the second user's user terminal. The non-accepting device is further configured to send a verification request to the backend server before determining the amount to be paid. The backend server is also configured to, in response to the verification request, verify whether the access list stored by the marketing platform contains the device identifier of the non-accepting device, and return the verification result to the non-accepting device; The non-acceptance processing device is specifically used to determine the amount to be paid based on the amount of the goods corresponding to the goods to be settled and the discount amount when the received verification result is that the verification is passed; and to clear the cached discount amount and re-display the interactive interface through the display screen when the received verification result is that the verification is failed. The sending module is further configured to, upon receiving a notification sent by the settlement system after settlement payment based on the payment account and the amount to be paid, remove the device identifier of the non-accepting device from the admission list.

19. A payment device, the device comprising: A receiving module is configured to receive an activity participation request sent by a non-receiving device; wherein the activity participation request is sent by a computer program deployed on the non-receiving device in response to a human-computer interaction between a first user and the non-receiving device, and the human-computer interaction is performed by the first user through an interactive interface displayed by the non-receiving device; the activity participation request carries the device identifier of the non-receiving device itself. The sending module is used to send the activity participation request to the marketing platform, so that the marketing platform randomly determines the discount amount based on the activity participation request and adds the device identifier in the activity participation request to the admission list; The receiving module is further configured to receive the discount amount returned by the marketing platform, and return the discount amount to the non-accepting device, so that the non-accepting device caches the discount amount, and determine the amount to be paid based on the amount of the goods corresponding to the goods to be settled and the currently cached discount amount, and obtain the payment identifier of the second user based on contactless communication with the user terminal of the second user, and send a payment request to the settlement system based on the amount to be paid and the payment identifier, so that the settlement system determines the payment account corresponding to the payment identifier based on the payment identifier carried in the payment request, and performs settlement payment based on the payment account and the amount to be paid; The device further includes: The verification module is used to receive verification requests sent by the non-accepting device; in response to the verification request, verify whether the access list stored by the marketing platform contains the device identifier of the non-accepting device; return the verification result to the non-accepting device, so that when the received verification result is a successful verification, the non-accepting device determines the amount to be paid based on the amount of the goods to be settled and the currently cached discount amount; when the received verification result is a failed verification, the cached discount amount is cleared and the interactive interface is re-displayed on the display screen. The settlement system is also used to, after settling and paying according to the payment account and the amount to be paid, notify the marketing platform to remove the device identifier of the non-accepting device from the access list.

20. A computer-readable storage medium storing a computer program that, when executed by a processor, implements the method described in any one of claims 6-16.

21. 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 6-16.

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