Collection code generation method and device and payment method and device

Abstract

The embodiment of the invention provides a collection code generation method and device and a payment method and device.The collection code generation method comprises the steps that a collection code generation request from first terminal equipment of a first user is acquired; the collection code generation request is used for requesting to generate a joint collection code shared by the first user and at least one second user; the joint collection code is used for carrying out combined payment on the first user and the second user; based on the collection code generation request, obtaining first collection code generation information of the first user and second collection code generation information of the second user; and generating the joint collection code based on the first collection code generation information and the second collection code generation information, and returning the joint collection code to the first terminal device for display.

Description

TECHNICAL FIELD

[0001] The present disclosure relates to the technical field of computer, and particularly relates to a collection code generation method and device and a payment method and device. BACKGROUND

[0002] At present, after a consumer consumes at a merchant, the consumer can perform payment by scanning a collection code of the merchant. In the prior art, when the consumer consumes at multiple merchants, the consumer needs to scan a collection code of each merchant to perform payment, which has the defects of complicated payment process and low payment efficiency. SUMMARY

[0003] Embodiments of the present disclosure provide a collection code generation method and device and a payment method and device, which can simplify the payment process and improve the payment efficiency when performing payment at multiple merchants.

[0004] In a first aspect, embodiments of the present disclosure provide a collection code generation method, comprising: obtaining a collection code generation request from a first terminal device of a first user; the collection code generation request is used to request to generate a joint collection code shared by the first user and at least one second user; the joint collection code is used to perform combined payment to the first user and the second user; obtaining first collection code generation information of the first user and second collection code generation information of the second user based on the collection code generation request; generating the joint collection code based on the first collection code generation information and the second collection code generation information, and returning the joint collection code to the first terminal device for display.

[0005] In a second aspect, embodiments of the present disclosure provide a collection code generation method, comprising: obtaining first collection demand information of a first user and second collection demand information of at least one second user; generating a collection code generation request according to the first collection demand information and the second collection demand information, and sending the collection code generation request to a collection code generation system; the collection code generation request is used to request to generate a joint collection code shared by the first user and the second user; the joint collection code is used to perform combined payment to the first user and the second user; receiving the joint collection code returned by the collection code generation system based on the collection code generation request, and displaying the joint collection code.

[0006] In a third aspect, embodiments of the present disclosure provide a collection code generation method, comprising: receiving an authorization request from a collection code generation system; the authorization request is used to request a second user to authorize a joint collection code; the joint collection code is a collection code shared by the second user and a first user; the joint collection code is used to make a combined payment to the first user and the second user; based on the authorization request, generating an authorization response message, and returning the authorization response message to the collection code generation system; the authorization response message is used to indicate that the second user authorizes the generation of the joint collection code.

[0007] In a fourth aspect, the embodiments of the present disclosure provide a payment method, comprising: parsing a joint collection code to obtain joint collection information; the joint collection code is a collection code shared by the first user and at least one second user; the joint collection code is used to make a combined payment to the first user and the second user; the joint collection information includes first collection information of the first user and second collection information of the second user; based on the first collection information and the second collection information, generating a payment request, and sending the payment request to a payment system; the payment request is used to request a combined payment to the first user and the second user based on the first collection information and the second collection information.

[0008] In a fifth aspect, the embodiments of the present disclosure provide a collection code generation apparatus, comprising: a request obtaining unit configured to obtain a collection code generation request from a first terminal device of a first user; the collection code generation request is used to request to generate a joint collection code shared by the first user and at least one second user; the joint collection code is used to make a combined payment to the first user and the second user; an information obtaining unit configured to obtain first collection code generation information of the first user and second collection code generation information of the second user based on the collection code generation request; a collection code generation unit configured to generate the joint collection code based on the first collection code generation information and the second collection code generation information, and return the joint collection code to the first terminal device for display.

[0009] In a sixth aspect, the embodiments of the present disclosure provide a collection code generation apparatus, comprising: a demand obtaining unit configured to obtain first collection demand information of a first user and second collection demand information of at least one second user; The request generation unit is configured to generate a collection code generation request according to the first collection demand information and the second collection demand information, and send the collection code generation request to a collection code generation system; the collection code generation request is used to request generation of a joint collection code shared by the first user and the second user; and the joint collection code is used to make a combined payment to the first user and the second user. The content display unit is configured to receive the joint collection code returned by the collection code generation system based on the collection code generation request, and display the joint collection code.

[0010] In a seventh aspect, an embodiment of the present disclosure provides a collection code generation apparatus, which comprises: The authorization receiving unit is configured to receive an authorization request from a collection code generation system; the authorization request is used to request authorization of a joint collection code by a second user; the joint collection code is a collection code shared by the second user and a first user; and the joint collection code is used to make a combined payment to the first user and the second user. The authorization response unit is configured to generate an authorization response message based on the authorization request, and return the authorization response message to the collection code generation system; the authorization response message is used to indicate that the second user authorizes generation of the joint collection code.

[0011] In an eighth aspect, an embodiment of the present disclosure provides a payment apparatus, which comprises: The parsing unit is configured to parse a joint collection code to obtain joint collection information; the joint collection code is a collection code shared by a first user and at least one second user; the joint collection code is used to make a combined payment to the first user and the second user; and the joint collection information comprises first collection information of the first user and second collection information of the second user. The payment unit is configured to generate a payment request based on the first collection information and the second collection information, and send the payment request to a payment system; the payment request is used to request making a combined payment to the first user and the second user based on the first collection information and the second collection information.

[0012] In a ninth aspect, an embodiment of the present disclosure provides an electronic device, which comprises a processor and a memory configured to store computer executable instructions, the computer executable instructions, when executed, causing the processor to implement the steps of the method in the first aspect to the fourth aspect.

[0013] In a tenth aspect, an embodiment of the present disclosure provides a computer readable storage medium, which is configured to store computer executable instructions, the computer executable instructions, when executed by a processor, implementing the steps of the method in the first aspect to the fourth aspect.

[0014] In a eleventh aspect, the present disclosure provides a computer program product, which comprises a computer program. When the computer program is executed by a processor, the steps of the method in the first aspect to the fourth aspect are implemented.

[0015] In one or more embodiments of the present disclosure, first, a collection code generation request from a first terminal device of a first user is acquired, the collection code generation request being used to request generation of a joint collection code shared by the first user and at least one second user, the joint collection code being used to make a combined payment to the first user and the second user, then, based on the collection code generation request, first collection code generation information of the first user and second collection code generation information of the second user are acquired, and finally, based on the first collection code generation information and the second collection code generation information, the joint collection code is generated and returned to the first terminal device for display. It can be seen that, through the present embodiment, when multiple merchants need to be paid, a joint collection code shared by the multiple merchants can be generated, and a combined payment can be made to the multiple merchants based on the joint collection code, so as to simplify the payment process and improve the payment efficiency. BRIEF DESCRIPTION OF DRAWINGS

[0016] In order to more clearly illustrate the technical solutions in the one or more embodiments of the present disclosure or the prior art, the drawings needed to be used in the embodiments or the prior art description will be briefly introduced. Obviously, the drawings in the following description are only some embodiments described in the present disclosure, and for those skilled in the art, other drawings can also be obtained without creative labor under the premise of these drawings. Figure 1 An application scenario diagram of the collection code generation method provided by an embodiment of the present disclosure is shown in the following figure; Figure 2 A flowchart of the collection code generation method provided by an embodiment of the present disclosure is shown in the following figure; Figure 3 A flowchart of the collection code generation method provided by another embodiment of the present disclosure is shown in the following figure; Figure 4 A flowchart of the collection code generation method provided by another embodiment of the present disclosure is shown in the following figure; Figure 5 A flowchart of the collection code generation method provided by another embodiment of the present disclosure is shown in the following figure; Figure 6 A flowchart of the payment method provided by an embodiment of the present disclosure is shown in the following figure; Figure 7 An interaction flowchart of the first terminal device, the collection code generation system, and any one of the second terminal devices provided by an embodiment of the present disclosure is shown in the following figure; Figure 8A first terminal device, a third terminal device, and an interaction flowchart of a payment system according to an embodiment of the present disclosure; Figure 9 A structure schematic diagram of a collection code generation apparatus according to an embodiment of the present disclosure; Figure 10 A structure schematic diagram of a collection code generation apparatus according to another embodiment of the present disclosure; Figure 11 A structure schematic diagram of a collection code generation apparatus according to another embodiment of the present disclosure; Figure 12 A structure schematic diagram of a payment apparatus according to an embodiment of the present disclosure; Figure 13 A structure schematic diagram of an electronic device according to an embodiment of the present disclosure. DETAILED DESCRIPTION

[0017] In order to enable a person skilled in the art to better understand the technical solutions in the one or more embodiments of the present disclosure, the technical solutions in the one or more embodiments of the present disclosure will be described clearly and completely below with reference to the drawings in the one or more embodiments of the present disclosure. Obviously, the described embodiments are only a part of the embodiments of the present disclosure, rather than all the embodiments. Based on the one or more embodiments of the present disclosure, all other embodiments obtained by a person skilled in the art without creative labor should fall within the protection scope of the present disclosure.

[0018] It can be understood that, before using the technical solutions disclosed in the embodiments of the present disclosure, the type, use range, use scenario, etc. of the personal information involved in the present disclosure should be informed to the user and the authorization of the user should be obtained through appropriate means according to relevant laws and regulations.

[0019] For example, in response to receiving an active request of a user, a prompt information is sent to the user to explicitly prompt the user that the operation requested to be performed will need to obtain and use the personal information of the user. Thus, the user can autonomously select whether to provide the personal information to the electronic device, application program, server or storage medium, etc. software or hardware performing the operation of the technical solutions of the present disclosure according to the prompt information.

[0020] As an optional but non-limiting implementation manner, in response to receiving an active request of a user, the manner of sending a prompt information to the user may, for example, be a pop-up window manner, and the prompt information may, for example, be presented in a text manner in the pop-up window. In addition, the pop-up window may, for example, carry a selection control for the user to select “agree” or “disagree” to provide the personal information to the electronic device.

[0021] It can be understood that the above notification and user authorization obtaining process is only illustrative and does not limit the implementation of the present disclosure, and other ways that meet relevant laws and regulations can also be applied to the implementation of the present disclosure.

[0022] The embodiment of the present disclosure provides a collection code generation method, which can simplify the payment process and improve the payment efficiency when paying for multiple merchants.

[0023] Figure 1 The application scenario diagram of the collection code generation method provided by the embodiment of the present disclosure is shown in Figure 1 The scenario includes a first terminal device of a first user, a second terminal device of a second user, a third terminal device of a third user, a collection code generation system and a payment system, wherein the number of the second user is at least one, Figure 1 In the embodiment, the number of the second user is two, therefore, Figure 1 Two second terminal devices are illustrated in the embodiment. Figure 1 In the embodiment, the first user and the second user can both be merchants with collection needs, and the third user can be a consumer with payment needs. The terminal devices of the users include but are not limited to mobile phones, computers, tablet computers, notebook computers, vehicle-mounted computers, wearable devices and other electronic products. The collection code generation system can be a background system composed of one or more servers, and the plurality of servers can form a server cluster. Similarly, the payment system can also be a background system composed of one or more servers, and the plurality of servers can form a server cluster.

[0024] Referring to Figure 1 The first terminal device of the first user can obtain first collection demand information of the first user and second collection demand information of at least one second user in response to a user operation of the first user, generate a collection code generation request according to the first collection demand information and the second collection demand information, and send the collection code generation request to the collection code generation system. The collection code generation request is used to request to generate a joint collection code shared by the first user and the second user, and the joint collection code is used to make a combined payment to the first user and the second user.

[0025] Then, the collection code generation system can receive the collection code generation request, obtain first collection code generation information of the first user and second collection code generation information of the second user based on the collection code generation request, generate the joint collection code based on the first collection code generation information and the second collection code generation information, and return the joint collection code to the first terminal device for display. Of course, the collection code generation system can also send the joint collection code to at least one second terminal device for display.

[0026] After the joint collection code of the first user and the second user is generated through the above process, the third terminal device of the third user can parse the joint collection code to obtain joint collection information, the joint collection information including first collection information of the first user and second collection information of the second user, and generate a payment request based on the first collection information and the second collection information, and send the payment request to the payment system, the payment request being used to request the payment system to make a combined payment to the first user and the second user based on the first collection information and the second collection information. As shown in Figure 1 , the third terminal device can display the joint collection information: merchant A pays XX yuan; merchant B pays YY yuan, and display a payment control after parsing the joint collection code.

[0027] Finally, the payment system makes a combined payment to the first user and the second user based on the first collection information and the second collection information based on the payment request, and returns a payment result to the third terminal device, the payment result including a payment success notification message or a payment failure notification message.

[0028] As can be seen, through the scenario in Figure 1 , when multiple merchants need to be paid, a joint collection code shared by multiple merchants can be generated, and a combined payment can be made to the multiple merchants based on the joint collection code, thereby simplifying the payment process and improving the payment efficiency.

[0029] As can be seen from the scenario in Figure 1 , the present embodiment relates to multi-terminal interaction of the first terminal device of the first user, the second terminal device of the second user, the third terminal device of the third user, the collection code generation system and the payment system. First, the method process applied to the collection code generation system is introduced.

[0030] Figure 2 The flowchart of the collection code generation method provided by an embodiment of the present disclosure can be applied to the collection code generation system and executed by the collection code generation system, as shown in Figure 2 , the method process includes: Step S202, obtaining a collection code generation request from the first terminal device of the first user; the collection code generation request is used to request to generate a joint collection code shared by the first user and at least one second user; the joint collection code is used to make a combined payment to the first user and the second user; Step S204, based on the collection code generation request, obtaining first collection code generation information of the first user and second collection code generation information of the second user; Step S206, based on the first collection code generation information and the second collection code generation information, generating a joint collection code, and returning the joint collection code to the first terminal device for display.

[0031] In this embodiment, first, the collection code generation request from the first terminal device of the first user is acquired, the collection code generation request is used to request to generate a joint collection code shared by the first user and at least one second user, and the joint collection code is used to make a combined payment to the first user and the second user. Then, based on the collection code generation request, the first collection code generation information of the first user and the second collection code generation information of the second user are acquired. Finally, based on the first collection code generation information and the second collection code generation information, the joint collection code is generated, and the joint collection code is returned to the first terminal device for display. It can be seen that, through this embodiment, when multiple merchants need to be paid, a joint collection code shared by multiple merchants can be generated, and a combined payment can be made to multiple merchants based on the joint collection code, so as to simplify the payment process and improve the payment efficiency.

[0032] The method flow in the above embodiment will be described in detail below. Figure 2

[0033] In step S202, the collection code generation system acquires the collection code generation request from the first terminal device of the first user. For example, the collection code generation system receives the collection code generation request sent by the first terminal device. The collection code generation request is used to request to generate a joint collection code shared by the first user and at least one second user. The joint collection code can be a two-dimensional code or a bar code. The joint collection code carries the first collection information of the first user and the second collection information of each second user. The joint collection code is used to make a combined payment to the first user and each second user. For example, the consumer scans the joint collection code by using the terminal device, and the terminal device displays a payment page after scanning. The payment page displays the collection account and the collection amount of the first user and the collection account and the collection amount of each second user. The consumer can make a combined payment to the first user and each second user through a payment operation based on the payment page, wherein the payment operation at least includes an operation of confirming payment.

[0034] In step S204, the collection code generation system acquires the first collection code generation information of the first user and the second collection code generation information of the second user based on the collection code generation request.

[0035] In one embodiment, before acquiring the first collection code generation information of the first user and the second collection code generation information of the second user based on the collection code generation request, the following steps are further included: Based on the collection code generation request, an authorization request is generated, and the authorization request is sent to the second terminal device of the second user. The authorization request is used to request the second user to authorize the joint collection code; An authorization response message returned by the second terminal device based on the authorization request is acquired, and the second user is determined to authorize the generation of the joint collection code according to the authorization response message.

[0036] ​In consideration of the fact that the joint collection code is shared by the first user and the second users, the consent of the second users is required when the first user applies for the generation of the joint collection code. The joint collection code is generated when the second users agree. The first user and the second users can be merchants in a location close to each other.

[0037] Based on this, in the embodiment, the collection code generation system generates at least one authorization request based on the collection code generation request before obtaining the first collection code generation information of the first user and the second collection code generation information of the second users based on the collection code generation request. The authorization request corresponds to the second users one by one, and the corresponding authorization request is sent to the second terminal device of each second user. The authorization request is used to request the second user receiving the authorization request to authorize the generation of the joint collection code. It is worth mentioning that the authorization request can carry the user identifier of the first user and each second user, so that the second user receiving the authorization request knows the list of personnel for joint collection, thereby judging whether to authorize the generation of the joint collection code.

[0038] In addition, the collection code generation system obtains the authorization response message returned by each second terminal device based on the authorization request. For each authorization response message, it is determined whether the corresponding second user authorizes the generation of the joint collection code according to the authorization response message. For example, when the authorization instruction is included in the authorization response message, it is determined that the corresponding second user authorizes the generation of the joint collection code. When the rejection instruction is included in the authorization response message, it is determined that the corresponding second user refuses to generate the joint collection code.

[0039] In the embodiment, if it is determined that each second user authorizes the generation of the joint collection code, the first collection code generation information of the first user and the second collection code generation information of each second user are obtained based on the collection code generation request. If it is determined that any one of the second users refuses to generate the joint collection code, a notification message of the failure of the generation of the joint collection code is returned to the first terminal device of the first user.

[0040] In one example, the number of second users is one. The collection code generation system generates an authorization request based on the collection code generation request, sends the authorization request to the second terminal device of the second user, and obtains the authorization response message returned by the second terminal device based on the authorization request. If it is determined that the second user authorizes the generation of the joint collection code according to the authorization response message, the first collection code generation information of the first user and the second collection code generation information of the second user are obtained based on the collection code generation request. If it is determined that the second user refuses to generate the joint collection code according to the authorization response message, a notification message of the failure of the generation of the joint collection code is returned to the first terminal device of the first user.

[0041] In one example, the number of the second users is multiple, the collection code generation system generates multiple authorization requests based on the collection code generation request, the authorization requests correspond to the second users one by one, sends the corresponding authorization request to the second terminal device of each second user, and obtains the authorization response message returned by each second terminal device based on the authorization request. For each authorization response message, it is determined according to the authorization response message whether the second user corresponding to the second terminal device sending the authorization response message authorizes the generation of the joint collection code. If it is determined that all the second users authorize the generation of the joint collection code, the first user's first collection code generation information and each second user's second collection code generation information are obtained based on the collection code generation request. If it is determined that any one of the second users refuses to generate the joint collection code, a notification message of joint collection code generation failure is returned to the first terminal device of the first user.

[0042] It can be seen that, through the embodiment, the joint collection code shared by the first user and the second user can be generated in the case that the first user and each second user authorize, and the security of generating the joint authorization code is improved.

[0043] In one embodiment, before generating the authorization request based on the collection code generation request, it further includes: The first user and the second user are regarded as to-be-evaluated users, and the historical collection information of the to-be-evaluated users is obtained. According to the historical collection information, it is determined whether each to-be-evaluated user satisfies the joint collection condition.

[0044] Considering that the joint collection code is shared by the first user and each second user, before the authorization of the second user is applied, it is further evaluated whether the first user and the second user have the qualification of joint collection, that is, whether the first user and the second user satisfy the joint collection condition.

[0045] Based on this, in the embodiment, the collection code generation system regards the first user and each second user as to-be-evaluated users, obtains the historical collection information of each to-be-evaluated user, and judges whether each to-be-evaluated user satisfies the joint collection condition according to the historical collection information of each to-be-evaluated user. In the embodiment, if the collection code generation system determines that each to-be-evaluated user satisfies the joint collection condition, it generates the authorization request based on the collection code generation request. If the collection code generation system determines that each to-be-evaluated user does not satisfy the joint collection condition, it returns a notification message of joint collection code generation failure to the first terminal device of the first user.

[0046] It can be seen that, through the embodiment, the joint collection code can be generated in the case that the first user and the second user satisfy the joint collection condition, and the security of generating the joint authorization code is improved.

[0047] In one embodiment, according to the historical payment information, it is determined that each to-be-evaluated user satisfies a joint payment condition, including: If, according to the historical payment information, it is determined that there are at least two to-be-evaluated users whose historical payment locations are located in the same geographical range, and / or if, according to the historical payment information, it is determined that there are at least two to-be-evaluated users whose historical payment time intervals are within a specified time range, then it is determined that each to-be-evaluated user satisfies the joint payment condition.

[0048] In this embodiment, the historical payment information of each to-be-evaluated user is obtained, and the historical payment information includes historical payment time, historical payment location, and historical payment amount of the to-be-evaluated user. Then, according to the historical payment information, it is determined whether there are at least two to-be-evaluated users whose historical payment locations are located in the same geographical range, for example, whether there are at least two to-be-evaluated users whose historical payment locations are located in the same mall. In addition, according to the historical payment information, it is determined whether there are at least two to-be-evaluated users whose historical payment time intervals are within a specified time range, for example, whether there are at least two to-be-evaluated users whose historical payment time intervals are within ten minutes.

[0049] In this embodiment, in one case, considering that the joint payment merchant is usually a shop in the same business district or the same store, therefore, the joint payment condition includes that there are at least two to-be-evaluated users whose historical payment locations are located in the same geographical range, and if the payment code generation system determines that there are at least two to-be-evaluated users whose historical payment locations are located in the same geographical range, then it is determined that each to-be-evaluated user satisfies the joint payment condition. In another case, considering that the joint payment merchant is usually a merchant where the user continuously consumes, therefore, the joint payment condition includes that there are at least two to-be-evaluated users whose historical payment time intervals are within a specified time range, and if the payment code generation system determines that there are at least two to-be-evaluated users whose historical payment time intervals are within a specified time range, then it is determined that each to-be-evaluated user satisfies the joint payment condition.

[0050] In another case, in order to improve the security of the joint payment code, the joint payment condition includes that there are at least two to-be-evaluated users whose historical payment locations are located in the same geographical range and at least two to-be-evaluated users whose historical payment time intervals are within a specified time range, and if the payment code generation system determines that there are at least two to-be-evaluated users whose historical payment locations are located in the same geographical range, and at least two to-be-evaluated users whose historical payment time intervals are within a specified time range, then it is determined that each to-be-evaluated user satisfies the joint payment condition.

[0051] It can be seen that, by the embodiment, whether each to-be-evaluated user meets the joint collection condition can be accurately determined according to the historical collection information, and in the case that each to-be-evaluated user meets the joint collection condition, the joint collection code is generated, and the security of generating the joint collection code is improved.

[0052] According to the foregoing description, in the embodiment, after the collection code generation system receives the collection code generation request from the first terminal device of the first user through step S202, the first user and each second user are regarded as to-be-evaluated users, the historical collection information of each to-be-evaluated user is obtained, if it is determined according to the historical collection information that the historical collection locations of at least two to-be-evaluated users are located in the same geographical range, and / or if it is determined according to the historical collection information that the historical collection time intervals of at least two to-be-evaluated users are in the specified time range, it is determined that each to-be-evaluated user meets the joint collection condition, if it is determined that each to-be-evaluated user meets the joint collection condition, an authorization request is generated based on the collection code generation request, the authorization request is sent to the second terminal device of each second user, and an authorization response message returned by the second terminal device based on the authorization request is received, if it is determined according to the authorization response message that each second user authorizes to generate the joint collection code, step S204 is executed, and the first collection code generation information of the first user and the second collection code generation information of each second user are obtained based on the collection code generation request.

[0053] In one embodiment, generating the authorization request based on the collection code generation request comprises: obtaining the first identification information of the first user, the second identification information of the second user, and the to-be-authorized information of the second user based on the collection code generation request; the to-be-authorized information of the second user comprises the second collection account indication information of the second user and / or the second collection amount indication information of the second user; generating the authorization request corresponding to the second user according to the first identification information, the second identification information, and the to-be-authorized information of the second user.

[0054] In the embodiment, the collection code generation system obtains the collection code generation request, and the collection code generation request at least comprises the first identification information of the first user and the second identification information of each second user, and can further comprise at least one of the first collection account indication information of the first user, the first collection amount indication information of the first user, the second collection account indication information of each second user, and the second collection amount indication information of each second user.

[0055] Then, the collection code generation system obtains the first identification information of the first user, the second identification information of each second user, and the to-be-authorized information of each second user based on the collection code generation request. The to-be-authorized information of the second user includes the second collection account indication information of the second user and / or the second collection amount indication information of the second user. If the to-be-authorized information of the second user is carried in the collection code generation request, the collection code generation system extracts the to-be-authorized information of the second user from the collection code generation request. If the to-be-authorized information of the second user is not carried in the collection code generation request, the collection code generation system can obtain the to-be-authorized information of the second user pre-configured. The second user can pre-configure the second collection account indication information and / or the second collection amount indication information in the collection code generation system through the second terminal device.

[0056] Then, the collection code generation system generates an authorization request corresponding to the second user according to the first identification information, the second identification information, and the to-be-authorized information of the second user. The authorization request carries the first identification information, the second identification information, and the to-be-authorized information of the second user. In this embodiment, an authorization request is generated for each second user, and the authorization request carries the second identification information and the to-be-authorized information of the corresponding second user. The second user can authorize the second collection account indication information and / or the second collection amount indication information based on the to-be-authorized information.

[0057] In one example, the collection code generation request includes at least the first identification information of the first user and the second identification information of each second user, and can further include the first collection account indication information of the first user and the second collection account indication information of each second user. For each second user, the to-be-authorized information of the second user includes the second collection account indication information of the second user. Each second user authorizes the respective collection account based on the authorization request. After the collection code generation system learns the collection account of the first user and the collection account of each second user, a static joint collection code can be generated, and the consumer inputs the collection amount of the first user and the collection amount of the second user when scanning the code to pay.

[0058] In another example, the collection code generation request includes at least the first identification information of the first user and the second identification information of each second user, and can further include the first collection account indication information of the first user, the first collection amount indication information of the first user, the second collection account indication information of each second user, and the second collection amount indication information of each second user. For each second user, the to-be-authorized information of the second user includes the second collection amount indication information and the second collection account indication information of the second user. Each second user authorizes the respective collection amount and collection account based on the authorization request, so that the collection code generation system knows the collection amount and collection account of the first user, and knows the collection amount and collection account of each second user, and then a dynamic joint collection code can be generated, and the consumer does not need to input the collection amount of the first user and the second user when scanning the code to pay.

[0059] In another example, the collection code generation request includes at least the first identification information of the first user and the second identification information of each second user, and can further include the first collection account indication information of the first user, the first collection amount indication information of the first user, the second collection account indication information of each second user, and the second collection amount indication information of each second user. For each second user, the to-be-authorized information of the second user includes the second collection amount indication information and the second collection account indication information of the second user. Each second user authorizes the respective collection amount and collection account based on the authorization request, so that the collection code generation system knows the collection amount and collection account of the first user, and knows the collection amount and collection account of each second user, and then a dynamic joint collection code can be generated, and the consumer does not need to input the collection amount of the first user and the second user when scanning the code to pay.

[0060] In this embodiment, the first collection account indication information includes but is not limited to the identification information of the collection account of the first user, the first collection amount indication information includes but is not limited to the identification information of the collection amount of the first user, the second collection account indication information includes but is not limited to the identification information of the collection account of the second user, and the second collection amount indication information includes but is not limited to the identification information of the collection amount of the second user.

[0061] It can be seen that, through this embodiment, the first identification information of the first user, the second identification information of the second user, and the to-be-authorized information of the second user can be obtained based on the collection code generation request, the authorization request corresponding to the second user is generated according to the first identification information, the second identification information, and the to-be-authorized information of the second user, so as to facilitate the second user to authorize the to-be-authorized information based on the authorization request, so that the collection code generation system knows the collection account and / or the collection amount of the second user.

[0062] In an embodiment, in the above process, in step S204, based on the collection code generation request, the first user's first collection code generation information and the second user's second collection code generation information are obtained, including: Based on the collection code generation request, the first user's first identification information and the first user's first collection account indication information are obtained, the first collection code generation information is generated based on the first identification information and the first collection account indication information, and the second user's second identification information and the second user's second collection account indication information are obtained, the second collection code generation information is generated based on the second identification information and the second collection account indication information. Or, Based on the collection code generation request, the first user's first identification information, the first user's first collection account indication information, and the first user's first collection amount indication information are obtained, the first collection code generation information is generated based on the first identification information, the first collection account indication information, and the first collection amount indication information, the second user's second identification information, the second user's second collection account indication information, and the second user's second collection amount indication information are obtained, and the second collection code generation information is generated based on the second identification information, the second collection account indication information, and the second collection amount indication information.

[0063] In this embodiment, the collection code generation system obtains a collection code generation request, which includes at least the first user's first identification information and each second user's second identification information, and can also include at least one of the first user's first collection account indication information, the first user's first collection amount indication information, each second user's second collection account indication information, and each second user's second collection amount indication information.

[0064] In one case, the joint collection code is a static collection code, and the consumer needs to input the collection amount of the first user and each second user when scanning the code for payment. In this case, based on the collection code generation request, the first user's first identification information and the first user's first collection account indication information are obtained, the first identification information and the first collection account indication information are taken as the first collection code generation information, and for each second user, the second user's second identification information and the second user's second collection account indication information are obtained, the second identification information and the second collection account indication information are taken as the second collection code generation information. Among them, the collection code generation request can carry at least one of the first collection account indication information and the second collection account indication information, and the collection code generation system can also pre-store at least one of the first collection account indication information and the second collection account indication information.

[0065] In one case, the joint collection code is a dynamic collection code, and the consumer does not need to input the first user and the second user's collection amount when scanning the code for payment. In this case, based on the collection code generation request, the first user's first identification information, the first user's first collection account indication information, and the first user's first collection amount indication information are obtained, the first identification information, the first collection account indication information, and the first collection amount indication information are taken as the first collection code generation information, and for each second user, the second user's second identification information, the second user's second collection account indication information, and the second user's second collection amount indication information are obtained, and the second identification information, the second collection account indication information, and the second collection amount indication information are taken as the second collection code generation information. Among them, the collection code generation request can carry at least one of the first collection account indication information, the second collection account indication information, the first collection amount indication information, and the second collection amount indication information, and the collection code generation system can also pre-store at least one of the first collection account indication information, the second collection account indication information, the first collection amount indication information, and the second collection amount indication information.

[0066] It can be seen that through the embodiment, different cases can be distinguished, different first collection code generation information and second collection code generation information are generated for static collection codes and dynamic collection codes respectively, so that static collection codes and dynamic collection codes are generated respectively, and the payment needs of consumers in different scenarios are met.

[0067] Next, Figure 1 In the flow of the collection code generation method, step S206 is performed, the joint collection code is generated based on the first collection code generation information and the second collection code generation information, and the joint collection code is returned to the first terminal device for display.

[0068] In one embodiment, a barcode or a two-dimensional code carrying the first collection code generation information and the second collection code generation information is generated as the joint collection code, and the joint collection code is returned to the first terminal device for display. It can be understood that the joint collection code can be a static collection code, and can carry the first user's first identification information, the first user's first collection account indication information, each second user's second identification information, and each second user's second collection account indication information. Alternatively, the joint collection code can be a dynamic collection code, and can carry the first user's first identification information, the first user's first collection account indication information, the first user's first collection amount indication information, each second user's second identification information, each second user's second collection account indication information, and each second user's second collection amount indication information.

[0069] Figure 3 The flowchart of the collection code generation method provided by another embodiment of the present disclosure is executed by a collection code generation system, as shown in Figure 3As shown, the flow includes: In step S302, a collection code generation request from a first terminal device of a first user is acquired; the collection code generation request is used to request generation of a joint collection code shared by the first user and at least one second user; the joint collection code is used to make a combined payment to the first user and the second user; In step S304, the first user and each second user are regarded as an evaluation user, and historical collection information of each evaluation user is acquired; In step S306, whether each evaluation user meets a joint collection condition is judged according to the historical collection information of each evaluation user; In step S308, if each evaluation user meets the joint collection condition, an authorization request is generated based on the collection code generation request, and the authorization request is sent to a second terminal device of each second user; In step S310, an authorization response message returned by each second terminal device based on the authorization request is received, and whether each second user authorizes generation of the joint collection code is judged according to the authorization response message; In step S312, if each second user authorizes generation of the joint collection code, first collection code generation information of the first user and second collection code generation information of each second user are acquired based on the collection code generation request; In step S314, the joint collection code is generated based on the first collection code generation information and the second collection code generation information of each second user, and the joint collection code is returned to the first terminal device for display.

[0070] If each evaluation user does not meet the joint collection condition, or if any one second user refuses to generate the joint collection code, a notification message of joint collection code generation failure is returned to the first terminal device of the first user.

[0071] In summary, through the embodiment, when a plurality of merchants need to be paid, a joint collection code shared by the plurality of merchants can be generated, and a combined payment is made to the plurality of merchants based on the joint collection code, so as to simplify the payment process and improve the payment efficiency.

[0072] The method flow applied to the first terminal device of the first user is introduced below.

[0073] Figure 4 A flowchart of a collection code generation method provided by another embodiment of the present disclosure is shown in the figure, the method flow is applied to a first terminal device and is executed by the first terminal device, such as Figure 4 As shown, the flow includes: In step S402, first collection demand information of a first user and second collection demand information of at least one second user are acquired; At step S404, the first collection demand information and the second collection demand information are used to generate a collection code generation request, and the collection code generation request is sent to a collection code generation system. The collection code generation request is used to request generation of a joint collection code shared by the first user and the second user. The joint collection code is used to make a combined payment to the first user and the second user. At step S406, the joint collection code returned by the collection code generation system based on the collection code generation request is received, and the joint collection code is displayed.

[0074] In this embodiment, first, the first collection demand information of the first user and the second collection demand information of at least one second user are obtained, then the first collection demand information and the second collection demand information are used to generate a collection code generation request, and the collection code generation request is sent to a collection code generation system. The collection code generation request is used to request generation of a joint collection code shared by the first user and the second user. The joint collection code is used to make a combined payment to the first user and the second user. Finally, the joint collection code returned by the collection code generation system based on the collection code generation request is received, and the joint collection code is displayed. As can be seen, when multiple merchants need to be paid, a joint collection code shared by multiple merchants can be generated according to this embodiment, and a combined payment can be made to multiple merchants based on the joint collection code, thereby simplifying the payment process and improving the payment efficiency.

[0075] The method flow in the above method flowchart will be described in detail below. Figure 4

[0076] In the above step S402, the first collection demand information of the first user and the second collection demand information of at least one second user are obtained. In one embodiment, the first user inputs the first collection demand information of the first user and the second collection demand information of each second user in the first terminal device, so that the first terminal device obtains the first collection demand information of the first user and the second collection demand information of each second user. The first collection demand information at least includes first identification information of the first user, and can further include at least one of first collection account indication information of the first user and first collection amount indication information of the first user. The second collection demand information at least includes second identification information of the second user, and can further include at least one of second collection account indication information of the second user and second collection amount indication information of the second user.

[0077] ​In step S404, the first terminal device generates a payment code generation request according to the first payment demand information and the second payment demand information, and sends the payment code generation request to the payment code generation system. In this embodiment, the payment code generation request at least includes the first identification information of the first user and the second identification information of each second user, and can further include at least one of the first payment account indication information of the first user, the first payment amount indication information of the first user, the second payment account indication information of each second user, and the second payment amount indication information of each second user. The first identification information and the second identification information can be extracted from the first payment demand information and the second payment demand information. In one example, the payment code generation request carrying the first payment demand information and the second payment demand information can be generated, and the payment code generation request is sent to the payment code generation system.

[0078] The payment code generation system generates a joint payment code according to the flow in Figure 2 and Figure 3 Based on this, in step S406, the joint payment code returned by the payment code generation system based on the payment code generation request is received, and the joint payment code is displayed. The consumer can perform a payment operation by scanning the joint payment code, and make a combined payment to the first user and each second user.

[0079] In one embodiment, the joint payment code includes any one of a two-dimensional code and a bar code. The joint payment code carries the first payment information of the first user and the second payment information of the second user. The first payment information includes the first identification information of the first user and the first payment account indication information of the first user, or includes the first identification information of the first user, the first payment account indication information of the first user, and the first payment amount indication information of the first user. The second payment information includes the second identification information of the second user and the second payment account indication information of the second user, or includes the second identification information of the second user, the second payment account indication information of the second user, and the second payment amount indication information of the second user.

[0080] In this embodiment, the joint payment code carries the first payment information of the first user and the second payment information of each second user. When the joint payment code is a static payment code, the first payment information includes the first identification information of the first user and the first payment account indication information of the first user, and the second payment information includes the second identification information of the second user and the second payment account indication information of the second user. When the joint payment code is a dynamic payment code, the first payment information includes the first identification information of the first user, the first payment account indication information of the first user, and the first payment amount indication information of the first user, and the second payment information includes the second identification information of the second user, the second payment account indication information of the second user, and the second payment amount indication information of the second user.

[0081] The following introduces a possible interaction process between a first terminal device and a payment code generation system when the joint payment code is a static payment code.

[0082] 1. The first terminal device obtains first payment demand information of a first user and second payment demand information of each second user input by the first user, the first payment demand information including first identification information of the first user and first payment account indication information of the first user, and the second payment demand information including second identification information of the second user and second payment account indication information of the second user.

[0083] 2. The first terminal device generates a payment code generation request carrying the first payment demand information and the second payment demand information, and sends the payment code generation request to the payment code generation system, the payment code generation request being used to request generation of a joint payment code shared by the first user and each second user, the joint payment code being used for consolidated payment to the first user and each second user.

[0084] 3. The payment code generation system receives the payment code generation request, takes the first user and each second user as an evaluated user, obtains historical payment information of each evaluated user, and after determining that each evaluated user meets the joint payment condition according to the historical payment information, extracts the first identification information of the first user, the second identification information of each second user, and the to-be-authorized information of the second user from the payment code generation request, the to-be-authorized information of the second user including the second payment account indication information of the second user, generates an authorization request corresponding to each second user according to the first identification information, the second identification information, and the to-be-authorized information of the second user, and sends the corresponding authorization request to a second terminal device of each second user, the authorization request being used to request the second user to authorize the joint payment code.

[0085] 4. The payment code generation request obtains an authorization response message returned by each second terminal device based on the authorization request, and after determining that each second user authorizes the generation of the joint payment code according to each authorization response message, extracts the first identification information of the first user and the first payment account indication information of the first user from the payment code generation request as first payment code generation information of the first user, extracts the second identification information of the second user and the second payment account indication information of the second user as second payment code generation information of the second user, generates a joint payment code carrying the first payment code generation information and the second payment code generation information, and returns the joint payment code to the first terminal device for display.

[0086] 5. The first terminal device displays the joint payment code.

[0087] The following introduces a possible interaction process between a first terminal device and a payment code generation system when the joint payment code is a dynamic payment code.

[0088] 1. The first terminal device acquires first user's first collection demand information input by a first user and second collection demand information of each second user, the first collection demand information comprising first identification information of the first user, first collection account indication information of the first user, and first collection amount indication information of the first user, and the second collection demand information comprising second identification information of the second user, second collection account indication information of the second user, and second collection amount indication information of the second user.

[0089] 2. The first terminal device generates a collection code generation request carrying the first collection demand information and the second collection demand information, and sends the collection code generation request to a collection code generation system, the collection code generation request being used to request generation of a joint collection code shared by the first user and each second user, and the joint collection code being used to make a combined payment to the first user and each second user.

[0090] 3. The collection code generation system receives the collection code generation request, takes the first user and each second user as an evaluation user, acquires historical collection information of each evaluation user, and after determining that each evaluation user meets a joint collection condition according to the historical collection information, extracts the first identification information of the first user, the second identification information of each second user, and second user's to-be-authorized information from the collection code generation request, the second user's to-be-authorized information comprising the second collection account indication information of the second user and the second collection amount indication information of the second user, generates an authorization request corresponding to each second user according to the first identification information, the second identification information, and the second user's to-be-authorized information, and sends the corresponding authorization request to a second terminal device of each second user, the authorization request being used to request the second user to authorize the joint collection code.

[0091] 4. The collection code generation request acquires an authorization response message returned by each second terminal device based on the authorization request, and after determining that each second user authorizes generation of the joint collection code according to each authorization response message, extracts the first identification information of the first user, the first collection account indication information of the first user, and the collection amount indication information of the first user from the collection code generation request as first collection code generation information of the first user, extracts the second identification information of the second user, the second collection account indication information of the second user, and the collection amount indication information of the second user from the collection code generation request as second collection code generation information of the second user, generates a joint collection code carrying the first collection code generation information and the second collection code generation information, and returns the joint collection code to the first terminal device for display.

[0092] 5. The first terminal device displays the joint collection code.

[0093] In the above embodiments, the to-be-authorized information includes the second user's second payment account indication information and / or the second user's second payment amount indication information. In other embodiments, the to-be-authorized information can include payment account inquiry information for the second user and / or payment amount inquiry information for the second user. The second user can return an authorization instruction to the first terminal device based on the to-be-authorized information, and also return the second payment account indication information and / or the second user's second payment amount indication information. The payment account inquiry information and / or the payment amount inquiry information are used to inquire the second user's payment account and / or payment amount, and the second user can return corresponding indication information based on the payment account inquiry information and / or the payment amount inquiry information. In this embodiment, the first terminal device can avoid directly learning the second user's payment account and / or payment amount, thereby improving the confidentiality of the second user's information. In this embodiment, the second payment demand information can only include the second identifier information, and does not need to include the second user's payment amount and payment account.

[0094] The authorization process of the second terminal device of the second user is introduced below.

[0095] Figure 5 A flowchart of a payment code generation method provided by another embodiment of the present disclosure is shown in FIG. 13. The method flow is applied to a second terminal device and is executed by the second terminal device. As shown in FIG. 13, the flow includes the following steps. Figure 5 In step S502, an authorization request from a payment code generation system is received. The authorization request is used to request the second user to authorize a joint payment code. The joint payment code is a payment code shared by the second user and a first user. The joint payment code is used to make a combined payment to the first user and the second user. In step S504, an authorization response message is generated based on the authorization request, and the authorization response message is returned to the payment code generation system. The authorization response message is used to indicate that the second user authorizes the generation of the joint payment code.

[0096] In this embodiment, first, an authorization request from a payment code generation system is received. The authorization request is used to request the second user to authorize a joint payment code. The joint payment code is a payment code shared by the second user and a first user. The joint payment code is used to make a combined payment to the first user and the second user. Then, an authorization response message is generated based on the authorization request, and the authorization response message is returned to the payment code generation system. The authorization response message is used to indicate that the second user authorizes the generation of the joint payment code. As can be seen, when multiple merchants need to be paid, a joint payment code shared by the multiple merchants can be generated based on this embodiment, and a combined payment can be made to the multiple merchants based on the joint payment code, thereby simplifying the payment process and improving the payment efficiency.

[0097] The method flow in FIG. 13 is described in detail below. Figure 5 The method flow in FIG. 13 is described in detail below.​

[0098] Figure 5 The flow in the step S502 can be executed by each second terminal device. Here, any one of the second terminal devices is taken as an example for illustration. In the step S502, the second terminal device receives an authorization request from the collection code generation system. As described above, the authorization request can include the first identification information of the first user, the second identification information of each second user, and the to-be-authorized information of the second user receiving the authorization request. In one case, the to-be-authorized information includes the second collection account indication information of the second user receiving the authorization request and / or the second collection amount indication information of the second user receiving the authorization request. In another case, the to-be-authorized information includes the collection account inquiry information for the second user receiving the authorization request and / or the collection amount inquiry information for the second user receiving the authorization request.

[0099] In the step S504, the second terminal device generates an authorization response message based on the authorization request, and returns the authorization response message to the collection code generation system, where the authorization response message is used to indicate that the second user authorizes the generation of the joint collection code.

[0100] In one embodiment, the generating of the authorization response message based on the authorization request includes: obtaining the first identification information of the first user, the second identification information of each second user, the authorization instruction of the second user, and the authorized information of the second user based on the authorization request; the authorized information of the second user includes the second collection account indication information of the second user and / or the second collection amount indication information of the second user; generating the authorization response message according to the first identification information, the second identification information, the authorization instruction of the second user, and the authorized information of the second user.

[0101] In this embodiment, any one of the second terminal devices can obtain the first identification information of the first user, the second identification information of each second user, the authorization instruction of the second user, and the authorized information of the second user based on the received authorization request. The first identification information of the first user and the second identification information of each second user can be extracted from the authorization request. By obtaining the first identification information of the first user and the second identification information of each second user, the second user receiving the authorization request can know the list of persons for joint collection, so as to determine whether to authorize the generation of the joint collection code. The authorization instruction of the second user can be obtained based on the user operation of the second user. The authorized information of the second user includes the second collection account indication information of the second user and / or the second collection amount indication information of the second user, and the authorized information of the second user is used to indicate the information authorized by the second user for the collection code generation system.

[0102] It can be understood that, in the case that the to-be-authorized information includes the second user's second payment account indication information and / or the second user's second payment amount indication information, the second user's authorized information includes the second user's second payment account indication information and / or the second user's second payment amount indication information to represent the confirmation of the to-be-authorized information. In the case that the to-be-authorized information includes the payment account query information for the second user and / or the payment amount query information for the second user, the second user's authorized information includes the second user's second payment account indication information and / or the second user's second payment amount indication information to represent the answer to the to-be-authorized information.

[0103] Then, the second terminal device generates an authorization response message carrying the first identification information, the second identification information, the second user's authorization instruction and the second user's authorized information, and returns the authorization response message to the payment code generation system, so that the payment code generation system continues to generate the joint payment code.

[0104] It can be seen that, through the embodiment, the second terminal device can authorize the second payment account and / or the second payment amount to the payment code generation system, thereby facilitating the payment code generation system to generate the joint payment code.

[0105] In the embodiment, the second terminal device can also generate an authorization response message containing a refusal authorization instruction and return the authorization response message to the payment code generation system.

[0106] The authorization process of a third terminal device of a third user is introduced below.

[0107] Figure 6 A flowchart of a payment method provided by an embodiment of the present disclosure is shown in FIG. 13. The method flow is applied to a third terminal device and is executed by the third terminal device. As shown in FIG. 13, the flow includes: Figure 6 In step S602, the joint payment code is parsed to obtain joint payment information; the joint payment code is a payment code shared by a first user and at least one second user; the joint payment code is used for consolidated payment to the first user and the second user; and the joint payment information includes first payment information of the first user and second payment information of the second user. In step S604, a payment request is generated based on the first payment information and the second payment information, and the payment request is sent to a payment system; the payment request is used to request consolidated payment to the first user and the second user based on the first payment information and the second payment information.

[0108] ​In this embodiment, first, the joint collection code is parsed to obtain joint collection information, the joint collection code is a collection code shared by the first user and at least one second user, and the joint collection code is used for combined payment to the first user and the second user. The joint collection information includes first collection information of the first user and second collection information of the second user. Then, based on the first collection information and the second collection information, a payment request is generated, and the payment request is sent to the payment system. The payment request is used to request combined payment to the first user and the second user based on the first collection information and the second collection information. It can be seen that, through this embodiment, when payment to multiple merchants is required, a joint collection code shared by multiple merchants can be generated, and combined payment is made to multiple merchants based on the joint collection code, thereby simplifying the payment process and improving the payment efficiency.

[0109] The method flow in the above Figure 6 will be described in detail.

[0110] In the above step S602, the third terminal device as the terminal device of the consumer can scan the joint collection code displayed by the first terminal device and parse the joint collection code to obtain joint collection information. The joint collection information includes first collection information of the first user and second collection information of the second user. In this embodiment, after obtaining the joint collection information, the entire content or part of the content of the joint collection information can also be displayed. For example, the joint collection code is scanned through the payment application program, the payment page is entered, and the joint collection information is displayed on the payment page. When the first collection information in the joint collection information includes the first identification information of the first user, the first collection amount indication information, and the first collection account indication information, and the second collection information includes the second identification information of the second user, the second collection amount indication information, and the second collection account indication information, the first identification information, the first collection amount indication information, the second identification information, and the second collection amount indication information in the joint collection information can be displayed.

[0111] In the above step S604, the third terminal device generates a payment request based on the first collection information and the second collection information, and sends the payment request to the payment system, so as to request the payment system to make combined payment to the first user and the second user based on the first collection information and the second collection information.

[0112] In one embodiment, the third terminal device generates a payment request based on the first collection information and the second collection information, including: If the first collection information includes the first identification information of the first user, the first collection account indication information, and the first collection amount indication information, and the second collection information includes the second identification information of the second user, the second collection account indication information, and the second collection amount indication information, a payment request carrying the first collection information and the second collection information is generated. In this case, the joint collection code is a dynamic collection code.

[0113] In this embodiment, when the joint collection code is a dynamic collection code, a payment request carrying the first collection information and the second collection information can be generated.

[0114] In one embodiment, the first collection information includes first identification information of the first user and first collection account indication information of the first user; the second collection information includes second identification information of the second user and second collection account indication information of the second user; and the payment request is generated based on the first collection information and the second collection information, including: In response to the first collection information and the second collection information, payment amount information is prompted to be input; the payment amount information includes first collection amount indication information of the first user and / or second collection amount indication information of the second user; The payment request is generated according to the first collection information, the second collection information and the input payment amount information.

[0115] In this embodiment, the joint collection code is a static collection code, and the third terminal device can prompt the third user to input payment amount information in response to the first collection information and the second collection information, the payment amount information including at least one of first collection amount indication information of the first user and second collection amount indication information of the second user. Of course, the payment amount information can also include the first collection amount indication information of the first user and the second collection amount indication information of the second user. The collection amount indication information can be a specific amount of the collection amount.

[0116] Then, the third terminal device generates a payment request carrying the first collection information, the second collection information and the payment amount information input by the user.

[0117] It can be seen that through this embodiment, the payment amount can also be input by the consumer to meet the consumer's demand for combined payment.

[0118] In one embodiment, the payment request is generated based on the first collection information and the second collection information, including: In response to the first collection information and the second collection information, payment discount information is prompted to be input; the payment discount information is used for the payment system to give a discount on a first amount paid to the first user and a second amount paid to the second user; The payment request is generated according to the first collection information, the second collection information and the input payment discount information.

[0119] In this embodiment, the third terminal device can prompt the user to input payment discount information in response to the first collection information and the second collection information, for example, prompt the user to check a full-reduction coupon, and then generate a payment request carrying the first collection information, the second collection information and the payment discount information.

[0120] When the consumer pays each merchant separately, the coupon cannot be used, but if the consumer pays for multiple merchants in combination, the consumer can choose to use the coupon, so that the payment system discounts the first amount paid to the first user and the second amount paid to the second user according to the discount information input by the user.

[0121] In this embodiment, the payment system can receive a payment request, extract the first amount to be paid to the first user and the second amount to be paid to each second user from the payment request, and based on one payment operation of the user, combine the payment to the first user and each second user based on the first amount and the second amount.

[0122] When the user inputs the payment discount information, the payment system can receive a payment request, extract the first amount to be paid to the first user and the second amount to be paid to each second user from the payment request, and according to the payment discount information, determine the discounted first amount and the discounted second amount, and based on one payment operation of the user, combine the payment to the first user and each second user based on the discounted first amount and the discounted second amount. The first amount is determined based on the first collection amount indication information, and the second amount is determined based on the second collection amount indication information.

[0123] Figure 7 The first terminal device, the collection code generation system, and the interaction flowchart of any one of the second terminal devices provided by an embodiment of the present disclosure are shown in FIG. 7. Figure 7 As shown in the figure, the flowchart includes: In step S702, the first terminal device obtains the first user's first collection demand information and each second user's second collection demand information input by the first user, the first collection demand information includes the first user's first identification information and the first user's first collection account indication information, and the second collection demand information includes the second user's second identification information. In step S704, the first terminal device generates a collection code generation request carrying the first collection demand information and the second collection demand information, and sends the collection code generation request to the collection code generation system. In step S706, the collection code generation system receives the collection code generation request, and determines that the first user and each second user meet the joint collection condition based on the collection code generation request. In step S708, the collection code generation system generates an authorization request and sends it to the second terminal device, and the authorization request includes the first identification information, each second identification information, and the collection account inquiry information for the second user. Step S710, the second terminal device receives the authorization request, returns an authorization response message to the collection code generation system, and the authorization response message includes the first identification information, the second identification information, the authorization instruction of the second user, and the second collection account indication information of the second user; Step S712, the collection code generation system receives the authorization response message, obtains the first collection code generation information and the second collection code generation information, the first collection code generation information includes the first identification information and the first collection account indication information of the first user, and the second collection code generation information includes the second identification information and the second collection account indication information of the second user; Step S714, the collection code generation system generates a joint collection code carrying the first collection code generation information and the second collection code generation information, and returns the joint collection code to the first terminal device; Step S716, the first terminal device displays the joint collection code.

[0124] Figure 8 The interaction flowchart of the first terminal device, the third terminal device, and the payment system provided by an embodiment of the present disclosure is shown in FIG. 8. Figure 8 As shown in the figure, the flowchart includes: Step S802, the first terminal device displays the joint collection code. Step S804, the third terminal device scans the joint collection code to obtain the first collection information and the second collection information, and displays a payment amount input interface; the first collection information includes the first identification information and the first collection account indication information, and the second collection information includes the second identification information and the second collection account indication information. Step S806, the third terminal device obtains the first collection amount indication information of the first user and the second collection amount indication information of each second user input by the consumer, and obtains the payment discount information checked by the consumer. Step S808, the third terminal device generates a payment request and sends it to the payment system in response to a payment operation, and the payment request carries the first collection information, the second collection information, the first collection amount indication information, the second collection amount indication information, and the payment discount information. Step S810, the payment system determines the first amount according to the first collection amount indication information in the payment request, determines the second amount according to the second collection amount indication information, and determines the discounted first amount and the discounted second amount according to the payment discount information. Step S812, the payment system performs a combined payment to the first user and the second user according to the discounted first amount and the discounted second amount.

[0125] Of course, Figure 7 and Figure 8 only for illustrative purposes, based on Figure 8Figure 9 The example can be extended to obtain a dynamic unified payment code solution, which will not be repeated here.

[0126] In the above embodiments, merged payment refers to the ability to make payments to multiple users through a single payment operation by a user. The payment system can make payments to multiple users in parallel or sequentially based on a single payment operation by a user, according to its internal payment process.

[0127] Through the above embodiments, when payments need to be made to multiple merchants, a joint payment code shared by multiple merchants can be generated, and payments can be made to multiple merchants in a combined manner based on the joint payment code, thereby simplifying the payment process and improving payment efficiency.

[0128] Figure 9 This is a schematic diagram of the structure of a QR code generation device provided in an embodiment of the present disclosure, as shown below. Figure 10 As shown, the device includes: The request acquisition unit 91 is used to acquire a payment code generation request from the first terminal device of the first user; the payment code generation request is used to request the generation of a joint payment code shared by the first user and at least one second user; the joint payment code is used to make a combined payment to the first user and the second user; Information acquisition unit 92 is used to acquire the first payment code generation information of the first user and the second payment code generation information of the second user based on the payment code generation request; The payment code generation unit 93 is used to generate the combined payment code based on the first payment code generation information and the second payment code generation information, and return the combined payment code to the first terminal device for display.

[0129] Optionally, the system further includes an authorization determination unit, configured to generate an authorization request based on the payment code generation request and send the authorization request to the second terminal device of the second user before obtaining the first payment code generation information of the first user and the second payment code generation information of the second user based on the payment code generation request; the authorization request is used to request the second user to authorize the joint payment code; obtain the authorization response message returned by the second terminal device based on the authorization request, and determine the second user's authorization to generate the joint payment code based on the authorization response message.

[0130] Optionally, it further includes a condition determination unit, configured to, before generating an authorization request based on the payment code generation request, select the first user and the second user as users to be evaluated, obtain the historical payment information of the users to be evaluated, and determine, based on the historical payment information, that each of the users to be evaluated meets the joint payment conditions.

[0131] Optionally, the condition determining unit is specifically configured to: if it is determined according to the historical collection information that there are at least two historical collection locations of the to-be-evaluated users located in the same geographical range, and / or if it is determined according to the historical collection information that there are at least two historical collection time intervals of the to-be-evaluated users in a specified time range, it is determined that each to-be-evaluated user meets a joint collection condition.

[0132] Optionally, the authorization determining unit is specifically configured to: based on the collection code generation request, acquire first identification information of the first user, second identification information of the second user, and to-be-authorized information of the second user; the to-be-authorized information of the second user includes second collection account indication information of the second user and / or second collection amount indication information of the second user; and generate an authorization request corresponding to the second user according to the first identification information, the second identification information, and the to-be-authorized information of the second user.

[0133] Optionally, the information acquiring unit 92 is specifically configured to: based on the collection code generation request, acquire first identification information of the first user and first collection account indication information of the first user, generate the first collection code generation information based on the first identification information and the first collection account indication information, and acquire second identification information of the second user and second collection account indication information of the second user, and generate the second collection code generation information based on the second identification information and the second collection account indication information; or based on the collection code generation request, acquire first identification information of the first user, first collection account indication information of the first user, and first collection amount indication information of the first user, generate the first collection code generation information based on the first identification information, the first collection account indication information, and the first collection amount indication information, acquire second identification information of the second user, second collection account indication information of the second user, and second collection amount indication information of the second user, and generate the second collection code generation information based on the second identification information, the second collection account indication information, and the second collection amount indication information.

[0134] The collection code generation apparatus in the embodiments of the present disclosure can implement each process of the above-mentioned collection code generation method applied to the collection code generation system, and achieve the same effects and functions, which will not be repeated here.

[0135] Figure 10 A structural schematic diagram of a collection code generation apparatus provided by another embodiment of the present disclosure is shown in FIG. 10, which includes: Figure 11 A demand acquiring unit 1001 is configured to acquire first collection demand information of a first user and second collection demand information of at least one second user.​ The request generating unit 1002 is configured to generate a collection code generation request according to the first collection demand information and the second collection demand information, and send the collection code generation request to a collection code generation system; the collection code generation request is used to request generation of a joint collection code shared by the first user and the second user; and the joint collection code is used to make a combined payment to the first user and the second user. The content display unit 1003 is configured to receive the joint collection code returned by the collection code generation system based on the collection code generation request, and display the joint collection code.

[0136] Optionally, the joint collection code includes any one of a two-dimensional code and a bar code; the joint collection code carries first collection information of the first user and second collection information of the second user; the first collection information includes first identification information of the first user and first collection account indication information of the first user, or includes the first identification information of the first user, the first collection account indication information of the first user, and first collection amount indication information of the first user; and the second collection information includes second identification information of the second user and second collection account indication information of the second user, or includes the second identification information of the second user, the second collection account indication information of the second user, and second collection amount indication information of the second user.

[0137] The collection code generation apparatus in the embodiments of the present disclosure can implement each process of the above-mentioned collection code generation method applied to the first terminal device, and achieve the same effects and functions, which are not repeated here.

[0138] Figure 1 A structural schematic diagram of a collection code generation apparatus provided by another embodiment of the present disclosure is shown in FIG. 11, which includes: Figure 12 The authorization receiving unit 1101 is configured to receive an authorization request from a collection code generation system; the authorization request is used to request the second user to authorize a joint collection code; the joint collection code is a collection code shared by the second user and a first user; and the joint collection code is used to make a combined payment to the first user and the second user. The authorization response unit 1102 is configured to generate an authorization response message based on the authorization request, and return the authorization response message to the collection code generation system; and the authorization response message is used to indicate that the second user authorizes generation of the joint collection code.

[0139] ​Optionally, the authorization response unit is specifically configured to: based on the authorization request, acquire first identification information of the first user, second identification information of the second user, an authorization instruction of the second user, and authorized information of the second user; the authorized information of the second user includes second payment account indication information of the second user and / or second payment amount indication information of the second user; and generate an authorization response message according to the first identification information, the second identification information, the authorization instruction of the second user, and the authorized information of the second user.

[0140] The collection code generation apparatus in the embodiments of the present disclosure can implement each process of the above-mentioned collection code generation method applied to the second terminal device, and achieve the same effects and functions, which are not repeated here.

[0141] Figure 12 A structural schematic diagram of a payment apparatus provided by an embodiment of the present disclosure is shown in FIG. 12, which includes: Figure 13 The analysis unit 1201 is configured to analyze a joint collection code to obtain joint collection information; the joint collection code is a collection code shared by the first user and at least one second user; the joint collection code is used for performing a combined payment to the first user and the second user; and the joint collection information includes first collection information of the first user and second collection information of the second user. The payment unit 1202 is configured to generate a payment request based on the first collection information and the second collection information, and send the payment request to a payment system; the payment request is used to request a combined payment to the first user and the second user based on the first collection information and the second collection information.

[0142] Optionally, the first collection information includes first identification information of the first user and first payment account indication information of the first user; the second collection information includes second identification information of the second user and second payment account indication information of the second user; the payment unit is specifically configured to: in response to the first collection information and the second collection information, prompt to input payment amount information; the payment amount information includes first payment amount indication information of the first user and / or second payment amount indication information of the second user; and generate a payment request according to the first collection information, the second collection information, and the input payment amount information.

[0143] ​Optionally, the payment unit is specifically configured to: in response to the first collection information and the second collection information, prompt input of payment preferential information; the payment preferential information is used for the payment system to prefer a first amount of payment to the first user and a second amount of payment to the second user; and generate a payment request according to the first collection information, the second collection information, and the input payment preferential information.

[0144] The payment device in the embodiments of the present disclosure can implement each process of the payment method embodiment applied to the third terminal device as described above, and achieve the same effects and functions, which are not repeated here.

[0145] An embodiment of the present disclosure further provides an electronic device, Figure 13 An embodiment of the present disclosure provides a structural schematic diagram of an electronic device, as Figure 1 As shown, the electronic device can have a large difference due to different configurations or performances, and can include one or more processors 1301 and memories 1302, and the memories 1302 can store one or more application programs or data. The memory 1302 can be temporary storage or persistent storage. The application programs stored in the memory 1302 can include one or more modules (not shown in the figure), and each module can include a series of computer executable instructions in the electronic device. Further, the processor 1301 can be configured to communicate with the memory 1302 and execute a series of computer executable instructions in the memory 1302 on the electronic device. The electronic device can further include one or more power supplies 1303, one or more wired or wireless network interfaces 1304, one or more input or output interfaces 1305, one or more keyboards 1306, and the like.

[0146] In one specific embodiment, the electronic device includes a processor; and a memory configured to store computer executable instructions, which when executed cause the processor to implement the following flow: Obtain a collection code generation request from a first terminal device of a first user; the collection code generation request is used to request generation of a joint collection code shared by the first user and at least one second user; the joint collection code is used to make a combined payment to the first user and the second user; Based on the collection code generation request, obtain first collection code generation information of the first user and second collection code generation information of the second user; Based on the first collection code generation information and the second collection code generation information, generate the joint collection code and return the joint collection code to the first terminal device for display.

[0147] The electronic device in the embodiments of the present disclosure can implement each process of the above-mentioned collection code generation method applied to the collection code generation system and achieve the same effects and functions, which will not be repeated here.

[0148] In one specific embodiment, the electronic device includes a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to implement the following processes: obtain first collection demand information of a first user and second collection demand information of at least one second user; generate a collection code generation request according to the first collection demand information and the second collection demand information, and send the collection code generation request to a collection code generation system; the collection code generation request is used to request generation of a joint collection code shared by the first user and the second user; the joint collection code is used to make a combined payment to the first user and the second user; receive the joint collection code returned by the collection code generation system based on the collection code generation request, and display the joint collection code.

[0149] The electronic device in the embodiments of the present disclosure can implement each process of the above-mentioned collection code generation method applied to the first terminal device and achieve the same effects and functions, which will not be repeated here.

[0150] In one specific embodiment, the electronic device includes a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to implement the following processes: receive an authorization request from a collection code generation system; the authorization request is used to request a second user to authorize a joint collection code; the joint collection code is a collection code shared by the second user and a first user; the joint collection code is used to make a combined payment to the first user and the second user; generate an authorization response message based on the authorization request, and return the authorization response message to the collection code generation system; the authorization response message is used to indicate that the second user authorizes generation of the joint collection code.

[0151] The electronic device in the embodiments of the present disclosure can implement each process of the above-mentioned collection code generation method applied to the second terminal device and achieve the same effects and functions, which will not be repeated here.

[0152] In one specific embodiment, the electronic device includes a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to implement the following processes: parsing the joint collection code to obtain joint collection information; the joint collection code is a collection code shared by the first user and at least one second user; the joint collection code is used for combined payment to the first user and the second user; the joint collection information includes first collection information of the first user and second collection information of the second user; generating a payment request based on the first collection information and the second collection information, and sending the payment request to a payment system; the payment request is used to request combined payment to the first user and the second user based on the first collection information and the second collection information.

[0153] The electronic device in the embodiments of the present disclosure can implement each process of the payment method embodiments applied to the third terminal device as described above, and achieve the same effects and functions, which will not be repeated here.

[0154] Another embodiment of the present disclosure further provides a computer readable storage medium for storing computer executable instructions, which, when executed by a processor, implement the following processes: obtaining a collection code generation request from a first terminal device of a first user; the collection code generation request is used to request to generate a joint collection code shared by the first user and at least one second user; the joint collection code is used for combined payment to the first user and the second user; obtaining first collection code generation information of the first user and second collection code generation information of the second user based on the collection code generation request; generating the joint collection code based on the first collection code generation information and the second collection code generation information, and returning the joint collection code to the first terminal device for display.

[0155] The computer readable storage medium in the embodiments of the present disclosure can implement each process of the collection code generation method embodiments applied to the collection code generation system as described above, and achieve the same effects and functions, which will not be repeated here.

[0156] Another embodiment of the present disclosure further provides a computer readable storage medium for storing computer executable instructions, which, when executed by a processor, implement the following processes: obtaining first collection demand information of a first user and second collection demand information of at least one second user; According to the first payment demand information and the second payment demand information, a payment code generation request is generated, and the payment code generation request is sent to a payment code generation system; the payment code generation request is used to request to generate a joint payment code shared by the first user and the second user; and the joint payment code is used to make a combined payment to the first user and the second user. The joint payment code returned by the payment code generation system based on the payment code generation request is received, and the joint payment code is displayed.

[0157] The computer readable storage medium in the embodiments of the present disclosure can implement each process of the above-mentioned payment code generation method embodiment applied to the first terminal device, and achieve the same effects and functions, which will not be repeated here.

[0158] Another embodiment of the present disclosure further provides a computer readable storage medium for storing computer executable instructions, which, when executed by a processor, implement the following processes: An authorization request from a payment code generation system is received; the authorization request is used to request the second user to authorize a joint payment code; the joint payment code is a payment code shared by the second user and the first user; and the joint payment code is used to make a combined payment to the first user and the second user. Based on the authorization request, an authorization response message is generated, and the authorization response message is returned to the payment code generation system; the authorization response message is used to indicate that the second user authorizes to generate the joint payment code.

[0159] The computer readable storage medium in the embodiments of the present disclosure can implement each process of the above-mentioned payment code generation method embodiment applied to the second terminal device, and achieve the same effects and functions, which will not be repeated here.

[0160] Another embodiment of the present disclosure further provides a computer readable storage medium for storing computer executable instructions, which, when executed by a processor, implement the following processes: A joint payment code is parsed to obtain joint payment information; the joint payment code is a payment code shared by the first user and at least one second user; the joint payment code is used to make a combined payment to the first user and the second user; and the joint payment information includes first payment information of the first user and second payment information of the second user; Based on the first payment information and the second payment information, a payment request is generated, and the payment request is sent to a payment system; the payment request is used to request to make a combined payment to the first user and the second user based on the first payment information and the second payment information.

[0161] The computer readable storage medium in the embodiments of the present disclosure can implement the processes of the payment method embodiments applied to the third terminal device described above, and achieve the same effects and functions, which are not repeated here.

[0162] Another embodiment of the present disclosure also provides a computer program product, which comprises a computer program, and the computer program implements the following processes when executed by a processor: obtaining a collection code generation request from a first terminal device of a first user; the collection code generation request is used to request to generate a joint collection code shared by the first user and at least one second user; and the joint collection code is used to make a combined payment to the first user and the second user; based on the collection code generation request, obtaining first collection code generation information of the first user and second collection code generation information of the second user; based on the first collection code generation information and the second collection code generation information, generating the joint collection code, and returning the joint collection code to the first terminal device for display.

[0163] The computer program product in the embodiments of the present disclosure can implement the processes of the collection code generation method embodiments applied to the collection code generation system described above, and achieve the same effects and functions, which are not repeated here.

[0164] Another embodiment of the present disclosure also provides a computer program product, which comprises a computer program, and the computer program implements the following processes when executed by a processor: obtaining first collection demand information of a first user and second collection demand information of at least one second user; generating a collection code generation request according to the first collection demand information and the second collection demand information, and sending the collection code generation request to a collection code generation system; the collection code generation request is used to request to generate a joint collection code shared by the first user and the second user; and the joint collection code is used to make a combined payment to the first user and the second user; receiving the joint collection code returned by the collection code generation system based on the collection code generation request, and displaying the joint collection code.

[0165] The computer program product in the embodiments of the present disclosure can implement the processes of the collection code generation method embodiments applied to the first terminal device described above, and achieve the same effects and functions, which are not repeated here.

[0166] Another embodiment of the present disclosure further provides a computer program product, which comprises a computer program, and the computer program implements the following processes when executed by a processor: receiving an authorization request from a collection code generation system; the authorization request is used to request a second user to authorize a joint collection code; the joint collection code is a collection code shared by the second user and a first user; the joint collection code is used to make a combined payment to the first user and the second user; generating an authorization response message based on the authorization request, and returning the authorization response message to the collection code generation system; the authorization response message is used to indicate that the second user authorizes to generate the joint collection code.

[0167] The computer program product in the embodiments of the present disclosure can implement each process of the above-mentioned collection code generation method applied to the second terminal device, and achieve the same effects and functions, which will not be repeated here.

[0168] Another embodiment of the present disclosure further provides a computer program product, which comprises a computer program, and the computer program implements the following processes when executed by a processor: parsing a joint collection code to obtain joint collection information; the joint collection code is a collection code shared by the first user and at least one second user; the joint collection code is used to make a combined payment to the first user and the second user; the joint collection information comprises first collection information of the first user and second collection information of the second user; generating a payment request based on the first collection information and the second collection information, and sending the payment request to a payment system; the payment request is used to request to make a combined payment to the first user and the second user based on the first collection information and the second collection information.

[0169] The computer program product in the embodiments of the present disclosure can implement each process of the above-mentioned payment method applied to the third terminal device, and achieve the same effects and functions, which will not be repeated here.

[0170] In various embodiments of the present disclosure, the computer readable storage medium comprises a read-only memory (ROM), a random access memory (RAM), a magnetic disc or an optical disc, etc.

[0171] In the 1990s, it was possible to distinguish whether an improvement in a technology was a hardware improvement (e.g., an improvement in the circuit structure of a diode, transistor, switch, etc.) or a software improvement (an improvement in a method flow). However, as technology has advanced, many improvements in method flows today can be considered as direct improvements in hardware circuit structures. Designers almost always obtain the corresponding hardware circuit structure by programming the improved method flow into a hardware circuit. Therefore, it cannot be said that an improvement in a method flow cannot be implemented using a hardware entity module. For example, a programmable logic device (PLD) (e.g., a field programmable gate array (FPGA)) is an integrated circuit whose logic function is determined by the user programming the device. A digital system is "integrated" on a PLD by the designer programming it himself, without having to ask a chip manufacturer to design and manufacture a special integrated circuit chip. Moreover, instead of manually manufacturing an integrated circuit chip, this programming is now mostly implemented using "logic compiler" software, which is similar to the software compiler used when developing a program, and the original code before compilation must also be written in a specific programming language, which is called a hardware description language (HDL), and there are many types of HDL, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., and the most commonly used are VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also be aware that it is only necessary to logically program the method flow using the above-mentioned hardware description languages and program it into an integrated circuit to easily obtain a hardware circuit that implements the logical method flow.

[0172] The controller can be implemented in any suitable way, for example, the controller can take the form of a microprocessor or processor and a computer readable medium storing computer readable program code, such as software or firmware, executable by the (micro)processor, logic gates, switches, an application specific integrated circuit (ASIC), a programmable logic controller and an embedded microcontroller, examples of which include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320, the memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also know that, in addition to implementing the controller in pure computer readable program code, it is also possible to implement the controller in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers and embedded microcontrollers, etc. to achieve the same functionality by logically programming the method steps. Such a controller can therefore be considered as a hardware component, and the means included therein for implementing the various functions can also be considered as structures within the hardware component. Alternatively, the means for implementing the various functions can even be considered as both a software module implementing the method and a structure within the hardware component.

[0173] The systems, apparatuses, modules or units illustrated by the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer can be a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0174] For the sake of brevity, the above apparatuses are described in functional form in various units. Of course, the functions of each unit can be implemented in either software and / or hardware in the same or more software and / or hardware when implementing the embodiments of the present disclosure.

[0175] Those skilled in the art will appreciate that one or more embodiments of the present disclosure can be provided as a method, a system or a computer program product. Therefore, one or more embodiments of the present disclosure can take the form of a completely hardware embodiment, a completely software embodiment or an embodiment combining software and hardware aspects. Moreover, one or more embodiments of the present disclosure can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage etc.) containing computer usable program code.

[0176] The computer program instructions can also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart block or blocks. Figure 1 one or more flow or blocks Figure 1 means for functionally implementing the steps listed in the flowchart block or blocks.

[0177] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instructions which implement the function specified in the flowchart block or blocks. Figure 1 one or more flow or blocks Figure 1 means for functionally implementing the steps listed in the flowchart block or blocks.

[0178] The computer program instructions can also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart block or blocks. Figure 1 one or more flow or blocks ​ means for functionally implementing the steps listed in the flowchart block or blocks.

[0179] It should also be noted that the term "comprising" or "including" or any other variation thereof is intended to cover the non-exclusive inclusion such that processes, methods, articles, or apparatuses that comprise a list of elements are not limited to those elements but can include other elements not expressly listed or inherent to such processes, methods, articles, or apparatuses. Without limitation, an element preceded by "comprises a" does not, without more constraints, foreclose the existence of additional identical elements in the processes, methods, articles, or apparatuses that comprise the recited element.

[0180] One or more embodiments of the disclosure can be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, and the like, that perform particular tasks or implement particular abstract data types. One or more embodiments of the disclosure can also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules can be located in local and remote computer storage media including memory storage devices.

[0181] Various embodiments in the present disclosure are described in progressive manner, and the same or similar parts between various embodiments can be referred to each other. Each embodiment focuses on the difference from other embodiments. In particular, the system embodiments are described simply because they are basically similar to the method embodiments, and the relevant parts can be referred to the description of the method embodiments.

[0182] The above only describes the embodiments of the present disclosure and is not intended to limit the present disclosure. The present disclosure can have various modifications and changes for those skilled in the art. Any modification, equivalent replacement, improvement, etc. within the spirit and principle of the present disclosure shall be included in the scope of claims of the present disclosure.

Claims

1. A method for generating a QR code for receiving payments, characterized in that, include: Obtain the payment code generation request from the first user's first terminal device; The payment code generation request is used to request the generation of a joint payment code shared by the first user and at least one second user; The combined payment code is used to make combined payments to the first user and the second user; Based on the payment code generation request, obtain the first payment code generation information of the first user and the second payment code generation information of the second user; Based on the first payment code generation information and the second payment code generation information, the combined payment code is generated and returned to the first terminal device for display.

2. The method according to claim 1, characterized in that, Before obtaining the first payment code generation information of the first user and the second payment code generation information of the second user based on the payment code generation request, the method further includes: Based on the payment code generation request, an authorization request is generated and sent to the second user's second terminal device; the authorization request is used to request the second user to authorize the joint payment code; Obtain the authorization response message returned by the second terminal device based on the authorization request, and determine the second user's authorization to generate the joint payment code based on the authorization response message.

3. The method according to claim 2, characterized in that, Before generating the authorization request based on the payment code generation request, the method further includes: The first user and the second user are selected as users to be evaluated, and their historical payment information is obtained. Based on the historical payment information, it is determined that each of the users to be evaluated meets the conditions for joint payment.

4. The method according to claim 3, characterized in that, The step of determining whether each of the users to be evaluated meets the joint payment conditions based on the historical payment information includes: If, based on the historical payment information, it is determined that at least two of the users to be evaluated have historical payment locations within the same geographical area, and / or, based on the historical payment information, it is determined that at least two of the users to be evaluated have historical payment time intervals within a specified duration, then each of the users to be evaluated is determined to meet the joint payment conditions.

5. The method according to any one of claims 2-4, characterized in that, The step of generating an authorization request based on the payment code generation request includes: Based on the payment code generation request, the first identification information of the first user, the second identification information of the second user, and the authorization information of the second user are obtained; the authorization information of the second user includes the second payment account indication information and / or the second payment amount indication information of the second user. Based on the first identification information, the second identification information, and the authorization information of the second user, an authorization request corresponding to the second user is generated.

6. The method according to claim 1, characterized in that, The step of obtaining the first payment code generation information of the first user and the second payment code generation information of the second user based on the payment code generation request includes: Based on the payment code generation request, the system obtains the first identifier information and the first payment account indication information of the first user, generates the first payment code generation information based on the first identifier information and the first payment account indication information, and obtains the second identifier information and the second payment account indication information of the second user, generates the second payment code generation information based on the second identifier information and the second payment account indication information. or, Based on the payment code generation request, the system obtains the first user's first identifier information, the first user's first payment account indication information, and the first user's first payment amount indication information. Based on the first identifier information, the first payment account indication information, and the first payment amount indication information, the system generates the first payment code generation information. The system then obtains the second user's second identifier information, the second user's second payment account indication information, and the second user's second payment amount indication information. Based on the second identifier information, the second payment account indication information, and the second payment amount indication information, the system generates the second payment code generation information.

7. A method for generating a QR code for receiving payments, characterized in that, include: Obtain the first payment request information of the first user and the second payment request information of at least one second user; Based on the first payment request information and the second payment request information, a payment code generation request is generated and sent to the payment code generation system; the payment code generation request is used to request the generation of a joint payment code shared by the first user and the second user; The combined payment code is used to make combined payments to the first user and the second user; Receive the combined payment code returned by the payment code generation system based on the payment code generation request, and display the combined payment code.

8. The method according to claim 7, characterized in that, The combined payment code includes any one of QR code and barcode; the combined payment code carries the first payment information of the first user and the second payment information of the second user; The first payment information includes the first user's first identification information and the first user's first payment account indication information, or it includes the first user's first identification information, the first user's first payment account indication information, and the first user's first payment amount indication information. The second payment information includes the second user's second identification information and the second user's second payment account indication information, or it includes the second user's second identification information, the second user's second payment account indication information, and the second user's second payment amount indication information.

9. A method for generating a QR code for receiving payments, characterized in that, include: Receive authorization requests from the QR code payment generation system; The authorization request is used to request the second user to authorize the joint payment code; The joint payment code is a payment code shared by the second user and the first user; The combined payment code is used to make combined payments to the first user and the second user; Based on the authorization request, an authorization response message is generated and returned to the payment code generation system; The authorization response message indicates that the second user authorizes the generation of the joint payment code.

10. The method according to claim 9, characterized in that, The step of generating an authorization response message based on the authorization request includes: Based on the authorization request, the first user's first identification information, the second user's second identification information, the second user's authorization instruction, and the second user's authorized information are obtained; the second user's authorized information includes the second user's second receiving account indication information and / or the second user's second receiving amount indication information. An authorization response message is generated based on the first identification information, the second identification information, the authorization instruction of the second user, and the authorized information of the second user.

11. A payment method, characterized in that, include: Parse the joint payment code to obtain joint payment information; the joint payment code is a payment code shared by the first user and at least one second user; The combined payment code is used to make a combined payment to the first user and the second user; the combined payment information includes the first user's first payment information and the second user's second payment information. Based on the first payment information and the second payment information, a payment request is generated and sent to the payment system; the payment request is used to request a combined payment to the first user and the second user based on the first payment information and the second payment information.

12. The method according to claim 11, characterized in that, The first payment information includes the first user's first identification information and the first user's first payment account indication information; the second payment information includes the second user's second identification information and the second user's second payment account indication information. The step of generating a payment request based on the first payment information and the second payment information includes: In response to the first payment information and the second payment information, the system prompts the user to enter payment amount information; the payment amount information includes the first payment amount indication information of the first user and / or the second payment amount indication information of the second user. A payment request is generated based on the first payment information, the second payment information, and the input payment amount information.

13. The method according to claim 11, characterized in that, The step of generating a payment request based on the first payment information and the second payment information includes: In response to the first payment information and the second payment information, the system prompts the user to enter payment discount information; the payment discount information is used by the payment system to apply a discount to the first amount paid to the first user and the second amount paid to the second user. A payment request is generated based on the first payment information, the second payment information, and the input payment discount information.

14. A payment code generation device, characterized in that, include: The request acquisition unit is used to acquire a payment code generation request from the first user's first terminal device. The payment code generation request is used to request the generation of a joint payment code shared by the first user and at least one second user; The combined payment code is used to make combined payments to the first user and the second user; The information acquisition unit is used to acquire the first payment code generation information of the first user and the second payment code generation information of the second user based on the payment code generation request. The payment code generation unit is used to generate the combined payment code based on the first payment code generation information and the second payment code generation information, and return the combined payment code to the first terminal device for display.

15. A payment code generation device, characterized in that, include: The demand acquisition unit is used to acquire the first payment demand information of the first user and the second payment demand information of at least one second user. The request generation unit is used to generate a payment code generation request based on the first payment request information and the second payment request information, and send the payment code generation request to the payment code generation system; the payment code generation request is used to request the generation of a joint payment code shared by the first user and the second user; The combined payment code is used to make combined payments to the first user and the second user; The content display unit is used to receive the joint payment code returned by the payment code generation system based on the payment code generation request, and to display the joint payment code.

16. A payment code generation device, characterized in that, include: The authorization receiving unit is used to receive authorization requests from the payment code generation system. The authorization request is used to request the second user to authorize the joint payment code; The joint payment code is a payment code shared by the second user and the first user; The combined payment code is used to make combined payments to the first user and the second user; An authorization response unit is configured to generate an authorization response message based on the authorization request and return the authorization response message to the payment code generation system. The authorization response message indicates that the second user authorizes the generation of the joint payment code.

17. A payment device, characterized in that, include: The parsing unit is used to parse the joint payment code to obtain joint payment information; the joint payment code is a payment code shared by the first user and at least one second user; The combined payment code is used to make a combined payment to the first user and the second user; the combined payment information includes the first user's first payment information and the second user's second payment information. The payment unit is configured to generate a payment request based on the first payment information and the second payment information, and send the payment request to the payment system; the payment request is used to request a combined payment to the first user and the second user based on the first payment information and the second payment information.

18. An electronic device, characterized in that, include: processor; as well as, A memory configured to store computer-executable instructions, which, when executed, cause the processor to perform the steps of the method according to any one of claims 1-6, or the steps of the method according to claim 7 or 8, or the steps of the method according to claim 9 or 10, or the steps of the method according to any one of claims 11-13.

19. A computer-readable storage medium, characterized in that, The computer-readable storage medium is used to store computer-executable instructions, which, when executed by a processor, implement the steps of the method according to any one of claims 1-6, or the steps of the method according to claim 7 or 8, or the steps of the method according to claim 9 or 10, or the steps of the method according to any one of claims 11-13.

20. A computer program product, characterized in that, The computer program product includes a computer program that, when executed by a processor, implements the steps of the method according to any one of claims 1-6, or implements the steps of the method according to claim 7 or 8, or implements the steps of the method according to claim 9 or 10, or implements the steps of the method according to any one of claims 11-13.

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