A leasing and selling service collection docking method, a leasing and selling system, a device and a medium

Abstract

The application relates to the technical field of real estate rent and sale financial settlement, and discloses a rent and sale business collection docking method, a rent and sale system, equipment and a medium, so that the rent and sale system can automatically generate collection order information according to a collection mode (two-dimensional code aggregation payment or large amount transfer) selected by a user, and send the information to a corresponding target collection system to generate a payment instruction (such as an aggregation two-dimensional code or a transfer password). Meanwhile, by establishing a real-time communication connection with a payment platform, the system can automatically receive a payment success result, and automatically update a collection plan state in the rent and sale system in real time according to the result. The rent and sale business collection docking method integrated in the rent and sale system realizes payment mode diversification to meet different customer habits, eliminates manual operation links and voucher delivery, ensures real-time synchronization and consistency of business data and financial data, and thus comprehensively improves collection efficiency, customer experience and the accuracy of financial management.

Description

Technical Field

[0001] This application relates to the field of financial settlement technology for real estate rental and sales, and in particular to a method, system, equipment and medium for connecting rental and sales business payments. Background Technology

[0002] Currently, most real estate rental and sales transactions involve offline bank transfers or a single online payment method. Offline transfers require customers to manually send receipts to staff, who then manually confirm the payment status in the system. This method is inefficient and prone to issues such as lost receipts and delayed payment confirmations. The single online payment method only supports either WeChat or Alipay, which cannot meet the payment habits of different customers and results in a poor customer experience. In addition, some online payment systems are disconnected from the rental and sales systems, and payment results cannot be transmitted in real time. The payment plan status in the rental and sales system needs to be manually updated, which can easily lead to inconsistencies between financial and business data. Summary of the Invention

[0003] This application provides a method, system, equipment, and medium for integrating payment collection in rental and sales businesses, in order to solve the problems of low collection efficiency, single payment method, disconnected system data, and inability to achieve automatic synchronization in existing payment collection methods.

[0004] The first aspect of this application provides a method for integrating payment collection in a rental and sales business, applied to a rental and sales system. The method includes: generating payment order information based on a target payment method selected by the user; wherein the target payment method is a QR code aggregated payment method or a large-amount transfer payment method; sending the payment order information to the target payment system, so that the target payment system can generate an aggregated payment QR code or transfer password based on the payment order information and send it to the payment platform; establishing a real-time communication connection with the payment platform, receiving a payment success result obtained by the payment platform based on the aggregated payment QR code or transfer password, and updating the payment plan status to "paid".

[0005] In some embodiments of this application, the target payment method is a QR code aggregated payment method, the target payment system is a QR code aggregated payment system, and the method of this application includes: generating payment order information according to the QR code aggregated payment method selected by the user; sending the payment order information to the QR code aggregated payment system so that the QR code aggregated payment system can generate an aggregated payment QR code based on the payment order information and send it to the payment platform; establishing a real-time communication connection with the payment platform and receiving the payment success result obtained by the payment platform based on the aggregated payment QR code.

[0006] In some embodiments of this application, the aggregated payment QR code includes: order number, payment amount, and merchant information; the payment success result includes at least one of: order number, payment amount, payment time, and payer account.

[0007] In some embodiments of this application, the target payment method is a large-amount transfer payment method, the target payment system is a large-amount transfer system, and the method of this application includes: generating payment order information according to the large-amount transfer payment method selected by the user; sending the payment order information to the large-amount transfer system so that the large-amount transfer system can generate a transfer password based on the payment order information and send it to the payment platform; establishing a real-time communication connection with the payment platform and receiving the payment success result obtained by the payment platform based on the transfer password.

[0008] In some embodiments of this application, the method further includes: obtaining the payer's phone number and sending the payer's phone number and payment order information to a large-value transfer system, so that the large-value transfer system can bind the payer's phone number and payment order information to generate a transfer password.

[0009] In some embodiments of this application, the large-amount transfer system binds the payer's phone number and the payment order information to generate a transfer password, including: the large-amount transfer system binds the payer's phone number and the payment order information, generates large-amount transfer information, and generates a transfer password based on the large-amount transfer information.

[0010] In some embodiments of this application, the information for large-amount transfers includes: the receiving bank account number, the account holder's name, the transfer amount, the order number, and a note.

[0011] The second aspect of this application provides a rental and sales system that executes the rental and sales business payment integration method described in any of the first aspects to obtain a payment success result and update the payment plan status to "paid".

[0012] A third aspect of this application provides an electronic device including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the steps of the method described in any of the first aspects of the above embodiments.

[0013] A fourth aspect of this application provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the method described in any of the first aspects of the above embodiments.

[0014] This application offers the following advantages: It proposes a payment integration method for rental and sales systems, enabling the system to automatically generate payment order information based on the user's selected payment method (QR code aggregated payment or large-amount transfer) and send this information to the corresponding target payment system to generate payment instructions (such as aggregated QR codes or transfer passwords). Simultaneously, by establishing a real-time communication connection with the payment platform, the system can automatically receive payment success results and update the payment plan status in the rental and sales system in real-time. Integrating this payment integration method into the rental and sales system diversifies payment methods to meet different customer habits, eliminates manual operations and document transfer, and ensures real-time synchronization and consistency of business and financial data, thereby comprehensively improving payment efficiency, customer experience, and the accuracy of financial management. Attached Figure Description

[0015] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with this application and, together with the specification, serve to explain the technical solutions of this application.

[0016] Figure 1 This is a flowchart illustrating an embodiment of the rental and sales payment integration method provided in this application; Figure 2 This is a schematic diagram illustrating the information interaction between the rental and sales system and the QR code aggregated payment system provided in this application; Figure 3 This is a schematic diagram of the information interaction between the rental and sales system and the large-value transfer system provided in this application; Figure 4 This is a schematic diagram of the framework of an embodiment of the electronic device provided in this application; Figure 5 This is a schematic diagram of a framework of an embodiment of the computer-readable storage medium provided in this application. Detailed Implementation

[0017] In the following description, specific details such as particular system architectures, interfaces, and technologies are presented for illustrative purposes rather than for limiting purposes, in order to provide a thorough understanding of this application.

[0018] In this document, the term "and / or" is merely a description of the relationship between related objects, indicating that three relationships can exist. For example, A and / or B can represent: A existing alone, A and B existing simultaneously, and B existing alone. Additionally, the character " / " generally indicates that the preceding and following related objects have an "or" relationship. Furthermore, "many" in this document means two or more. Moreover, the term "at least one" in this document means any combination of at least two of any one or more of a plurality of objects. For example, including at least one of A, B, and C can mean including any one or more elements selected from the set consisting of A, B, and C.

[0019] As described in the background section, the shortcomings of existing payment methods can be summarized as follows: 1. The payment method is singular or offline, which cannot meet the diverse payment needs of customers, resulting in a poor customer experience. Furthermore, offline operations are inefficient and prone to errors. 2. The payment system and the rental and sales system are disconnected, payment results cannot be transmitted in real time, the payment status of the rental and sales system needs to be updated manually, and financial and business data are prone to inconsistency.

[0020] To address the aforementioned issues, this application proposes a method for integrating payment collection in rental and sales transactions, applicable to rental and sales systems, such as... Figure 1 As shown, the method of this application includes: generating payment order information based on the target payment method selected by the user; wherein, the target payment method is a QR code aggregated payment method or a large-amount transfer payment method; sending the payment order information to the target payment system, so that the target payment system can generate an aggregated payment QR code or transfer password based on the payment order information and send it to the payment platform; establishing a real-time communication connection with the payment platform, and receiving the payment success result obtained by the payment platform based on the aggregated payment QR code or transfer password, and updating the payment plan status to paid.

[0021] Therefore, the embodiments described above enable the system to automatically generate payment order information based on the user's selected payment method (QR code aggregated payment or large-amount transfer), and send this information to the corresponding target payment system to generate payment instructions (such as aggregated QR codes or transfer passwords). Simultaneously, by establishing a real-time communication connection with the payment platform, the system can automatically receive payment success results and update the payment plan status in the rental and sales system in real time and automatically. Integrating the rental and sales business payment docking method into the rental and sales system diversifies payment methods to meet different customer habits, eliminates manual operation steps and voucher transfer, and ensures real-time synchronization and consistency of business data and financial data, thereby comprehensively improving payment efficiency, customer experience, and the accuracy of financial management.

[0022] The research also revealed that while some payment systems in the industry currently offer multi-channel payment options, they lack compatibility with real estate rental and sales systems. They fail to design dedicated order generation and data integration mechanisms for rental and sales payment scenarios, making it impossible to accurately link payment orders with tenant and property listings, and thus hindering the refined financial settlement needs of rental and sales businesses. Specifically, the current lack of a dedicated payment order generation mechanism for rental and sales businesses prevents accurate linking of payment orders with listings and tenant / property listings, hindering the traceability and statistical analysis of payment data.

[0023] Therefore, in order to solve the above problems, in this embodiment, after the customer and the property complete the rental and sale transaction, the agent associates the corresponding transaction order (the transaction order number is a unique identifier) ​​in the payment module of the rental and sale system, and selects QR code aggregated payment or large amount transfer payment method according to the customer's payment needs. The rental and sale system automatically generates payment order information according to the selected payment method. The payment order information includes: transaction order number, property owner ID, payment amount, payer information field, and order generation time. Each payment order information corresponds to a unique order number.

[0024] Therefore, this application provides two online payment channels—QR code aggregated payment and large-amount transfer—to adapt to different customers' payment habits and improve customer experience; it achieves seamless integration between the payment system and the rental and sales system, with payment results pushed to the rental and sales system in real time by the payment platform, and the rental and sales system automatically updating the payment plan status without manual intervention; it designs a dedicated payment order information generation mechanism for rental and sales business, realizing a unique association between payment order information and transaction orders and tenant sources, facilitating the traceability and statistics of payment data.

[0025] The following section details the process by which the rental and sales system obtains a successful payment result when selecting either the QR code aggregated payment method or the large-amount transfer payment method.

[0026] 1. Select QR code aggregated payment method In this embodiment, the target payment method is a QR code aggregated payment method, the target payment system is a QR code aggregated payment system, and as follows: Figure 2 As shown, the method of this application includes: generating payment order information based on the QR code aggregated payment method selected by the user; sending the payment order information to the QR code aggregated payment system, so that the QR code aggregated payment system can generate an aggregated payment QR code based on the payment order information and send it to the payment platform; establishing a real-time communication connection with the payment platform and receiving the payment success result obtained by the payment platform based on the aggregated payment QR code.

[0027] Specifically, the QR code aggregated payment process is as follows: (1) If the QR code aggregated payment method is selected, the rental and sales system's payment module sends a generation request to the QR code aggregated payment system. The QR code aggregated payment system generates an aggregated payment QR code (including order number, payment amount, and rental and sales merchant information) based on the payment order information and returns the aggregated payment QR code to the rental and sales system. The broker can directly send the aggregated payment QR code to the payment platform (WeChat or Alipay); (2) Scan the aggregated payment QR code through Alipay or WeChat and complete the payment according to the prompts. The payment platform sends the payment request to the bank for fund transfer; (3) After the payment is completed, the bank / payment platform pushes the payment success result (including order number, actual payment amount, payment time, and payer account) to the rental and sales system in real time through the interface module; (4) After receiving the payment success result, the rental and sales system automatically updates the payment plan status of the transaction order to paid and retains the payment result information in the payment order ledger.

[0028] Therefore, the above embodiments of this application aggregate payment through QR code, automatically generate QR codes associated with business orders, and can complete the payment by scanning the QR code using WeChat or Alipay. After successful payment, the result is automatically and in real time transmitted back to the rental and sales system, and the payment status is automatically updated, realizing the automation and closed-loop of the payment process, significantly improving the efficiency and accuracy of payment collection, and improving the customer experience.

[0029] II. Choosing a large-amount transfer payment method In this embodiment, the target payment method is a large-amount transfer payment method, the target payment system is a large-amount transfer system, and as follows... Figure 3 As shown, the method of this application includes: generating payment order information based on the large-amount transfer payment method selected by the user; sending the payment order information to the large-amount transfer system so that the large-amount transfer system can generate a transfer password based on the payment order information and send it to the payment platform; establishing a real-time communication connection with the payment platform and receiving the payment success result obtained by the payment platform based on the transfer password.

[0030] Therefore, the above embodiments of this application provide a convenient and secure solution for large-amount payment scenarios in rental and sales businesses through large-amount transfer payment collection. The system automatically generates a transfer password containing business information and sends it to the payment platform. After the customer completes the payment through bank transfer, the payment success result can be automatically and in real time transmitted back to the rental and sales system and the payment status is updated. This achieves seamless integration between large-amount payment collection and the business system, effectively avoiding the problems of lost vouchers, delayed confirmation, and manual operation errors in traditional offline transfers, and improving financial processing efficiency and data accuracy.

[0031] In this embodiment, the method of this application further includes: obtaining the payer's phone number and sending the payer's phone number and payment order information to a large-value transfer system, so that the large-value transfer system can bind the payer's phone number and payment order information to generate a transfer password. The large-value transfer system binding the payer's phone number and payment order information to generate a transfer password includes: the large-value transfer system binding the payer's phone number and payment order information, generating large-value transfer information, and generating a transfer password based on the large-value transfer information. The large-value transfer information includes: the receiving bank account number, account name, transfer amount, order number, and remarks.

[0032] Specifically, the process for large transfers is as follows: (1) If the large transfer payment method is selected, the broker enters the payer's phone number in the rental and sales system. The rental and sales system's payment module sends the order number, payment amount, and payer's phone number to the large transfer system; (2) The large transfer system strongly binds the payer's phone number to the payment order, generates large transfer information (including the receiving bank account, account name, transfer amount, order number, and remarks), and generates a transfer password for the large transfer information, which is synchronized to the rental and sales system (wherein, the rental and sales system is the China Overseas Rental and Sales mini-program); (3) The customer logs in to the China Overseas Rental and Sales mini-program. The mini-program extracts the transfer password through the bound payer's phone number, copies it, and opens the payment platform (such as a bank APP) to complete the transfer without manually entering the payment information; (4) After the customer completes the transfer, the bank completes the fund transfer and pushes the successful transfer result (including order number, actual transfer amount, transfer time, and payer's phone number) to the rental and sales system in real time through the interface module; (5) After the rental and sales system receives the successful transfer result, it automatically updates the corresponding payment plan status to paid and saves the transfer information to the payment order ledger.

[0033] Therefore, the embodiments described above in this application automatically generate a transfer password containing complete payment information by binding the payer's phone number to the payment order. Customers only need to copy the password to complete large-amount transfers with one click in the bank's app, without having to manually fill in cumbersome information. After successful payment, the result is transmitted back in real time, and the system automatically updates the order status, achieving convenience, accuracy, and full automation of large-amount transfers. This greatly improves payment efficiency and accuracy while effectively avoiding information errors and the burden of manual verification.

[0034] In this embodiment, the rental and sales system's order ledger integrates order information and payment results from all payment channels, supports filtering and querying by transaction number, order number, payment method, payment status, and other dimensions, and all operation records are logged to facilitate financial reconciliation and data traceability.

[0035] In this embodiment, the payment platform can add UnionPay online payment to further enrich online payment methods and adapt to more customer needs; for large-amount transfers, the transfer password extraction method can be enhanced with SMS push notifications, allowing the large-amount transfer system to directly send the transfer password to the phone number bound to the payer, eliminating the need for customers to log in to the mini-program and improving operational convenience; QR code aggregated payment can add payment amount verification, and if the customer's payment amount is inconsistent with the order amount, the payment platform will immediately reject the payment and push a notification to avoid errors in fund receipt and payment.

[0036] In summary, this application generates exclusive payment order information based on rental and sales transaction orders, achieving a unique association between payment orders and transaction orders and tenant / property listings, facilitating data traceability; it provides two payment channels: QR code aggregated payment and large-amount transfer. Aggregated payment supports both Alipay and WeChat payment platforms, while large-amount transfers strongly bind the payer's phone number to the order and generate a unique transfer password; it establishes a real-time interface between the payment platform and the rental and sales system, automatically transmitting payment results and updating the payment plan status of the rental and sales system without manual intervention; and it constructs a unified payment order ledger, integrating multi-channel payment data, supporting multi-dimensional filtering and querying, and achieving centralized management of payment data. Therefore, this application enhances the customer payment experience and adapts to diverse needs: it simultaneously supports both QR code aggregated payment (Alipay + WeChat) and large-amount transfers, covering different customer payment habits. The password retrieval function for large-amount transfers eliminates the need for customers to manually enter payment information, further improving payment convenience. It also enables real-time linkage between payment collection and business systems, improving work efficiency: a dedicated interface enables real-time feedback of payment results, and the rental and sales system automatically updates the payment status, completely solving the inefficiency problem of manual payment confirmation. Simultaneously, it ensures the consistency of financial and business data, reducing the workload of financial reconciliation. The system enhances the accuracy and centralized management of payment data: Each payment order is uniquely linked to a completed transaction and tenant / property listing; a unified payment order ledger integrates data from multiple channels, supporting multi-dimensional filtering and querying, facilitating quick reconciliation and tracing of payment details for finance personnel, thus improving the precision of financial settlement in rental and sales operations; it also improves the standardization and security of payment operations: a strong binding mechanism for the payer's phone number in large transfers ensures a unique correspondence between the payment order and the payer, preventing incorrect fund transfers due to faulty transfer information; and exclusive payment QR codes and transfer passwords both contain order information, further enhancing the standardization and security of payment operations.

[0037] Based on the inventive concept of the above embodiments, this application also provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, it implements the steps of the method described in the above embodiments. The following is in conjunction with... Figure 4 Please provide a detailed explanation.

[0038] like Figure 4As shown, it illustrates the electronic device 100 of this application, which may specifically include a processor 110 and a memory 120. The memory 120 is coupled to the processor 110.

[0039] Processor 110 is used to control the operation of electronic devices. Processor 110 may also be referred to as a CPU (Central Processing Unit). Processor 110 may be an integrated circuit chip with signal processing capabilities. Processor 110 may also be a general-purpose processor, digital signal processor (DSP), application-specific integrated circuit (ASIC), field-programmable gate array (FPGA), or other programmable logic device, discrete gate or transistor logic device, or discrete hardware component. The general-purpose processor may be a microprocessor, or processor 110 may be any conventional processor.

[0040] The memory 120 is used to store computer programs and may be RAM, ROM, or other types of storage terminals. Specifically, the memory 120 may include one or more computer-readable storage media, which may be non-transitory or transient. The memory 120 may also include high-speed random access memory and non-volatile memory, such as one or more disk storage terminals or flash memory terminals. In some embodiments, the non-transitory computer-readable storage media in the memory 120 is used to store at least one line of program code.

[0041] The processor 110 is used to execute computer programs stored in the memory 120 to implement the methods described in the various method embodiments of this application.

[0042] In some embodiments, the electronic device may further include a peripheral terminal interface 130 and at least one peripheral terminal. The processor 110, memory 120, and peripheral terminal interface 130 may be connected via a bus or signal line. Each peripheral terminal may be connected to the peripheral terminal interface 130 via a bus, signal line, or circuit board. Specifically, the peripheral terminal includes at least one of a radio frequency circuit 140, a display screen 150, an audio circuit 160, and a power supply 170.

[0043] The peripheral terminal interface 130 can be used to connect at least one I / O (Input / Output) related peripheral terminal to the processor 110 and the memory 120. In some embodiments, the processor 110, memory 120 and peripheral terminal interface 130 are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor 110, memory 120 and peripheral terminal interface 130 can be implemented on separate chips or circuit boards, which is not limited in this embodiment.

[0044] The radio frequency (RF) circuit 140 is used to receive and transmit RF (Radio Frequency) signals, also known as electromagnetic signals. The RF circuit 140 communicates with communication networks and other IoT devices via electromagnetic signals; it is the communication circuit of the electronic device. The RF circuit 140 converts electrical signals into electromagnetic signals for transmission, or converts received electromagnetic signals back into electrical signals. Optionally, the RF circuit 140 includes: an antenna system, an RF transceiver, one or more amplifiers, a tuner, an oscillator, a digital signal processor, a codec chipset, an operator identification module card, etc. The RF circuit 140 can communicate with other terminals through at least one wireless communication protocol. This wireless communication protocol includes, but is not limited to: the World Wide Web, metropolitan area networks, intranets, various generations of mobile communication networks (2G, 3G, 4G, and 5G), wireless local area networks, and / or WiFi (Wireless Fidelity) networks. In some embodiments, the RF circuit 140 may also include circuitry related to NFC (Near Field Communication), which is not limited in this application.

[0045] Display screen 150 is used to display a UI (User Interface). This UI may include graphics, text, icons, videos, and any combination thereof. When display screen 150 is a touch display screen, it also has the ability to collect touch signals on or above its surface. These touch signals can be input as control signals to processor 110 for processing. In this case, display screen 150 can also be used to provide virtual buttons and / or a virtual keyboard, also known as soft buttons and / or a soft keyboard. In some embodiments, there may be one display screen 150, located on the front panel of the electronic device; in other embodiments, there may be at least two display screens, located on different surfaces of the electronic device or in a folded design; in still other embodiments, display screen 150 may be a flexible display screen, located on a curved or folded surface of the electronic device. Furthermore, display screen 150 may be configured as a non-rectangular, irregular shape, i.e., a non-rectangular screen. Display screen 150 may be made of materials such as LCD (Liquid Crystal Display) or OLED (Organic Light-Emitting Diode).

[0046] The audio circuit 160 may include a microphone and a speaker. The microphone is used to collect sound waves from the operator and the environment, converting the sound waves into electrical signals that are input to the processor 110 for processing, or input to the radio frequency circuit 140 for voice communication. For stereo sound acquisition or noise reduction purposes, multiple microphones may be used, each positioned in a different part of the electronic device. The microphone may also be an array microphone or an omnidirectional microphone. The speaker is used to convert electrical signals from the processor 110 or the radio frequency circuit 140 into sound waves. The speaker may be a conventional film speaker or a piezoelectric ceramic speaker. When the speaker is a piezoelectric ceramic speaker, it can convert electrical signals not only into audible sound waves but also into inaudible sound waves for purposes such as distance measurement. In some embodiments, the audio circuit 160 may also include a headphone jack.

[0047] Power supply 170 is used to supply power to various components in an electronic device. Power supply 170 can be alternating current, direct current, a disposable battery, or a rechargeable battery. When power supply 170 includes a rechargeable battery, the rechargeable battery can be a wired rechargeable battery or a wireless rechargeable battery. A wired rechargeable battery is a battery that is charged via a wired line, while a wireless rechargeable battery is a battery that is charged via a wireless coil. The rechargeable battery can also be used to support fast charging technology.

[0048] For a detailed description of the functions and execution processes of each functional module or component in the electronic device embodiments of this application, please refer to the descriptions in the above-described method embodiments of this application, which will not be repeated here.

[0049] In the embodiments provided in this application, it should be understood that the disclosed electronic devices and methods can be implemented in other ways. For example, the embodiments of the electronic devices described above are merely illustrative. For instance, the division of modules or units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some data may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection through some interfaces, devices, or units, and may be electrical, mechanical, or other forms.

[0050] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment, depending on actual needs.

[0051] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0052] Based on the inventive concept of the above embodiments, this application also provides a computer-readable storage medium storing a computer program, wherein the computer program, when executed by a processor, performs the steps of the method described in any of the above embodiments. The following is in conjunction with... Figure 5 This describes the execution process of the above embodiments on a computer-readable storage medium.

[0053] like Figure 5 As shown, it illustrates the computer-readable storage medium of this application. The integrated units described above, if implemented as software functional units and sold or used as independent products, can be stored in the computer-readable storage medium 200. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions / computer programs to cause an Internet of Things device (which may be a personal computer, server, or network terminal, etc.) or processor to execute all or part of the steps of the methods of various embodiments of this application. The aforementioned storage medium includes various media such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks, as well as electronic terminals such as computers, mobile phones, laptops, tablets, and cameras that have the aforementioned storage media.

[0054] The execution process of program data in a computer-readable storage medium can be described with reference to the above-described method embodiments of this application, and will not be repeated here.

[0055] The above description is merely an embodiment of this application and does not limit the patent scope of this application. Any equivalent structural or procedural transformations made using the content of this application's specification and drawings, or direct or indirect applications in other related technical fields, are similarly included within the patent protection scope of this application.

[0056] Those skilled in the art will understand that, in the above-described method of the specific implementation, the order in which each step is written does not imply a strict execution order and does not constitute any limitation on the implementation process. The specific execution order of each step should be determined by its function and possible internal logic.

Claims

1. A method for integrating payment collection in rental and sales transactions, characterized in that, Applied to a rental and sales system, the method includes: The system generates payment order information based on the user's selected target payment method; wherein, the target payment method is either a QR code aggregated payment method or a large-amount transfer payment method. The payment order information is sent to the target payment system, so that the target payment system can generate an aggregated payment QR code or transfer password based on the payment order information and send it to the payment platform; Establish a real-time communication connection with the payment platform, receive payment success results obtained by the payment platform based on the aggregated payment QR code or the transfer password, and update the payment plan status to "paid".

2. The method for payment collection in rental and sales transactions according to claim 1, characterized in that, The target payment method is a QR code aggregated payment method, the target payment system is a QR code aggregated payment system, and the method includes: The payment order information is generated based on the QR code aggregated payment method selected by the user. The payment order information is sent to the QR code aggregation payment system, so that the QR code aggregation payment system can generate an aggregated payment QR code based on the payment order information and send it to the payment platform; Establish a real-time communication connection with the payment platform and receive the payment success result obtained by the payment platform based on the aggregated payment QR code.

3. The method for payment collection in rental and sales transactions according to claim 2, characterized in that, The aggregated payment QR code includes: order number, payment amount, and merchant information; the payment success result includes at least one of the following: order number, payment amount, payment time, and payer account.

4. The method for payment collection in rental and sales transactions according to claim 1, characterized in that, The target payment method is a large-amount transfer payment method, the target payment system is a large-amount transfer system, and the method includes: The payment order information is generated based on the large-amount transfer method selected by the user. The payment order information is sent to the large-amount transfer system, so that the large-amount transfer system can generate a transfer password based on the payment order information and send it to the payment platform; Establish a real-time communication connection with the payment platform and receive the payment success result obtained by the payment platform based on the transfer password.

5. The method for payment collection in rental and sales transactions according to claim 4, characterized in that, The method further includes: Obtain the payer's phone number and send the payer's phone number and the payment order information to the large-amount transfer system so that the large-amount transfer system can bind the payer's phone number and the payment order information to generate the transfer password.

6. The method for payment collection in rental and sales transactions according to claim 5, characterized in that, The large-amount transfer system binds the payer's phone number and the payment order information to generate the transfer password, including: The large-amount transfer system binds the payer's phone number and the payment order information, generates large-amount transfer information, and generates the transfer password based on the large-amount transfer information.

7. The method for payment collection in rental and sales transactions according to claim 6, characterized in that, The information for large transfers includes: the receiving bank account number, the account holder's name, the transfer amount, and the order number.

8. A rental and sales system, characterized in that, The system executes the payment integration method for rental and sales business as described in any one of claims 1-7, so as to obtain a payment success result and update the payment plan status to "paid".

9. An electronic device, characterized in that, It includes a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the steps of the rental and sales business payment integration method as described in any one of claims 1-7.

10. A computer-readable storage medium storing a computer program, characterized in that, When the computer program is executed by the processor, it implements the steps of the rental and sales business payment integration method according to any one of claims 1-7.

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