Order payment processing

Abstract

Embodiments in the present description provide an order payment processing method and apparatus. The order payment processing method comprises: in the process of performing order payment on the basis of a payment instruction, for an order to be paid, submitted after identifier acquisition performed in collaboration between an institutional user and a merchant, first performing location detection according to a location detection link on the basis of payment information carried by the payment instruction, and using object location information of a target location object obtained by the location detection as payment positioning information; and performing location matching processing on the payment positioning information and access locations configured in an institutional payment access policy of an institution to which the institutional user belongs, determining a payment account on the basis of an account type corresponding to the matching processing result, and performing order payment on the basis of the payment account.

Description

Order payment processing Technical Field

[0001] This document relates to the field of data processing technology, and in particular to a method and device for order payment processing. Background Art

[0002] With the development of computers and the Internet, more and more users pay for goods or services through online payment methods. As online payment becomes more and more popular, members of institutions will also pay for pending orders through online payment methods when making payments due to institutional reasons. However, the fees for payments due to institutional reasons are usually not borne by the members of the institution, but by the institution. How to improve the awareness of members of the institution when making payments due to institutional reasons is the focus of attention of the institution and its members. Summary of the Invention

[0003] One or more embodiments of the present specification provide an order payment processing method, including: obtaining a payment instruction for an order to be paid submitted by an institutional user and a merchant after cooperation in identification collection, and reading an access location set configured in the institutional payment access policy of the institution to which the institutional user belongs; performing location detection according to a location detection link based on the payment information carried by the payment instruction, and using the object location information of the target location object obtained by the location detection as payment positioning information; performing location matching processing on the payment positioning information and the access locations in the access location set, determining a payment account according to the account type corresponding to the matching processing result, and performing order payment based on the payment account.

[0004] One or more embodiments of the present specification provide an order payment processing device, including: an instruction acquisition module, configured to acquire a payment instruction for an order to be paid, which is submitted by an institutional user and a merchant after cooperation in identification collection, and read an access location set configured in the institutional payment access policy of the institution to which the institutional user belongs; a location detection module, configured to perform location detection according to a location detection link based on the payment information carried by the payment instruction, and use the object location information of the target location object obtained by the location detection as payment positioning information; an order payment module, configured to perform location matching processing on the payment positioning information and the access location in the access location set, determine a payment account according to the account type corresponding to the matching processing result, and perform order payment based on the payment account.

[0005] One or more embodiments of the present specification provide an order payment processing device, comprising: a processor; a memory configured to store computer-executable instructions, the processor executing the computer-executable instructions to achieve: obtaining a payment instruction for an order to be paid submitted by an institutional user and a merchant after cooperating to collect identifications, and reading an access location set configured in an institutional payment access policy of the institution to which the institutional user belongs; performing location detection according to a location detection link based on payment information carried by the payment instruction, and using the object location information of the target location object obtained by the location detection as payment positioning information; performing location matching processing on the payment positioning information and the access locations in the access location set, determining a payment account according to the account type corresponding to the matching processing result, and performing order payment based on the payment account.

[0006] One or more embodiments of the present specification provide a computer-readable storage medium for storing computer-executable instructions, which implement the following process when executed: obtaining a payment instruction for an order to be paid submitted by an institutional user and a merchant after cooperating to collect identification, and reading an access location set configured in the institutional payment access policy of the institution to which the institutional user belongs; performing location detection according to a location detection link based on the payment information carried by the payment instruction, and using the object location information of the target location object obtained by the location detection as payment positioning information; performing location matching processing on the payment positioning information and the access locations in the access location set, determining a payment account according to the account type corresponding to the matching processing result, and making order payment based on the payment account. BRIEF DESCRIPTION OF THE DRAWINGS

[0007] In order to more clearly illustrate one or more embodiments of this specification or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments recorded in this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0008] FIG1 is a schematic diagram of an implementation environment of an order payment processing method provided by one or more embodiments of this specification.

[0009] FIG2 is a flowchart of an order payment processing method provided by one or more embodiments of this specification.

[0010] FIG3 is a flowchart of an order payment processing method applied to an institutional payment scenario provided by one or more embodiments of this specification.

[0011] FIG4 is a processing flow chart of an order payment processing method applied to an identification payment scenario provided by one or more embodiments of this specification.

[0012] FIG5 is a schematic diagram of an embodiment of an order payment processing device provided by one or more embodiments of this specification.

[0013] FIG6 is a schematic diagram of the structure of an order payment processing device provided by one or more embodiments of this specification. DETAILED DESCRIPTION

[0014] In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of this document.

[0015] The order payment processing method provided in one or more embodiments of this specification can be applied to the implementation environment of order payment processing. As shown in Figure 1, the implementation environment includes a server 101 for processing order payment for an order to be paid based on the payment instructions of the order to be paid submitted after the institutional user and the merchant cooperate to collect identifications, a user terminal 102 of the institutional user who cooperates in collecting identifications, and a merchant device 103 of the merchant.

[0016] The server 101 may be one or more servers, a server cluster consisting of several servers, or a cloud server of a cloud computing platform, and is used to process payment for orders submitted by the user terminal 102 and the merchant device 103 for identification collection.

[0017] The user terminal 102 can be a smart phone, tablet computer, e-book reader, wearable device, device for information interaction based on AR (Augmented Reality) / VR (Virtual Reality), etc., and can also be installed with an application or browser. The user cooperates with the merchant device 103 through the application or browser to collect identification, and can also cooperate with the merchant device 103 through the mechanism subroutine in the application to collect identification.

[0018] The merchant device 103 may be a POS (point of sale) machine equipped with an identification collection component, or a material display component equipped with identification materials with the merchant's payment receipt identification.

[0019] In addition, the implementation environment may also include an institution terminal 104 for configuring the institution's payment access policy.

[0020] In this implementation environment, after obtaining the payment instruction for the order to be paid submitted by the user terminal 102 and the merchant device 103 after the identification collection, the server 101 reads the access location set configured in the institutional payment access policy of the institution to which the institutional user belongs, performs location detection according to the location detection link based on the payment information carried in the payment instruction, and uses the object location information of the target location object obtained by the location detection as the payment positioning information, performs location matching processing based on the payment positioning information and the access location in the access location set, determines the payment account based on the account type corresponding to the matching processing result, and makes order payment based on the payment account.

[0021] One or more embodiments of an order payment processing method provided in this specification are as follows.

[0022] This embodiment provides an order payment processing method. In the process of making order payment based on the payment instruction for the order to be paid submitted after the institutional user and the merchant collect identifications, first, based on the payment information carried in the payment instruction, position detection is performed according to the position detection link, and the object position information of the target position object obtained by the position detection is used as the payment positioning information. The payment positioning information and the access position configured in the institutional payment access policy of the institution to which the institutional user belongs are position matched, the payment account is determined according to the account type corresponding to the matching processing result, and the order payment is made based on the payment account. In this way, accurate payment positioning information is determined, and position matching processing is performed based on the accurate payment positioning information and the access position to ensure the effectiveness of the position matching processing, thereby improving the accuracy of the determined payment account.

[0023] 2 , the order payment processing method provided in this embodiment specifically includes steps S202 to S206 .

[0024] Step S202: obtaining a payment instruction for an order to be paid submitted by an institutional user after cooperating with a merchant to collect identifications, and reading an access position set configured in an institutional payment access policy of the institution to which the institutional user belongs.

[0025] The institutional users described in this embodiment include members of the institution.

[0026] In actual applications, when institutional users travel for institutional reasons, the expenses of various consumptions are borne by the institution, not the institutional users themselves. However, it is impossible for every institutional user to manage the institutional account. Institutional users can apply for payment of expenses incurred based on the institutional account. In order to ensure the effectiveness of institutional users' payments based on institutional accounts and avoid institutional users using institutional accounts to pay for their own consumption as institutional consumption, resulting in loss of institutional resources, the institution can configure an institutional payment access strategy. When the order to be paid meets the institutional payment access strategy, the payment processing of the order to be paid will be carried out based on the institutional account; the institutional payment access strategy includes a set of access conditions configured by the institution on whether payment can be made based on the institutional account.

[0027] When configuring an institution's payment access policy, an institution can configure payment to be made only within certain locations. For example, if an institution member's business trip is designated as taking place in Province P1, then the access locations include Province P1. More specifically, if an institution member's business trip is designated as taking place in District T1, City X1, Province P1, and District T2, City X1, Province P1, then the access locations include District T1, City X1, Province P1, and District T2, City X1, Province P1. In this embodiment, the locations pre-configured by the institution for making payments are access locations.

[0028] In specific implementations, the institutional user and the merchant cooperate to collect identifiers, then generate and submit a payment instruction for the order to be paid to the server. Optionally, the payment instruction is generated after the merchant device collects the institutional user's application payment identifier displayed by the payment application, or after the merchant device collects the institutional user's sub-program payment identifier displayed by the institutional sub-program configured in the payment application. In other words, the payment instruction for the order to be paid is submitted after the merchant device collects the institutional user's application payment identifier displayed by the payment application, or after the merchant device collects the institutional user's sub-program payment identifier displayed by the institutional sub-program in the institutional application.

[0029] It should be noted that the institution subroutine in this embodiment can be an institution code subroutine. Users can view the payment identifier through the institution subroutine. Users who have successfully registered with the institution subroutine are institution users, and the subroutine payment identifier displayed through the institution subroutine is a payment identifier associated with the user identifier and carries an institution identifier tag. The institution subroutine can be a subroutine installed in a payment application. In addition, users can also display the application payment identifier through the payment application. The user's application payment identifier is the payment identifier associated with the user identifier. Optionally, the user's application payment identifier and the subroutine payment identifier can simply differ in that the application payment identifier does not carry the institution identifier tag, while the subroutine payment identifier carries the institution identifier tag.

[0030] The subroutine payment identifier and application payment identifier in this embodiment can be a payment code in the form of a QR code, a bar code, or a sound code.

[0031] In addition to the above-mentioned merchant device collecting the payment ID of the institution user to generate the payment instruction, the payment instruction can also be generated by collecting the merchant's collection ID through the user terminal. Specifically, it can be the payment instruction for the order to be paid submitted after obtaining the merchant's collection ID collected by the user terminal.

[0032] During the specific execution process, there is also a situation where it is impossible to know whether the user is an institutional user when the merchant's collection ID is collected by the user terminal or the merchant's device collects the payment ID based on the payment application of the user terminal to display the application payment ID and submit the payment instruction for the order to be paid. In response to this, after obtaining the payment instruction for the order to be paid submitted by the user and the merchant after cooperating to collect the ID, it is possible to query whether the user is an institutional user based on the user ID carried in the payment instruction. If so, the institution to which the institutional user belongs is determined, and the access position set configured in the institutional payment access policy of the institution to which the institutional user belongs is read; if not, the payment order to be paid is processed based on the user account associated with the user ID.

[0033] In this embodiment, the organization can configure different access location sets for different scenarios; for example, if the location of the organization member's business trip is specified in P1 Province and P2 Province, the configured access locations under the accommodation scenario include P1 Province and P2 Province; if the specific business trip and office location of the organization member is specified in P1 Province X1 City T1 District and P1 Province X1 City T2 District, the configured access locations under the dining scenario include P1 Province X1 City T1 District and P1 Province X1 City T2 District. In this embodiment, the location for institutional payment pre-configured by the organization is the access location. Based on this, in an optional implementation provided by this embodiment, in the process of reading the access location set configured in the institutional payment access policy of the organization to which the institutional user belongs, the following operations are performed: determine the order scenario of the order to be paid, and query the target access scenario that matches the order scenario in the institutional payment access policy; read the access location set under the target access scenario in the institutional payment access policy.

[0034] Specifically, in the process of reading the admission position set configured in the institutional payment admission policy of the institution to which the institutional user belongs, the admission position set matching the order scenario of the order to be paid is read in the institutional payment admission policy of the institution to which the institutional user belongs.

[0035] Step S204: Based on the payment information carried in the payment instruction, position detection is performed according to the position detection link, and the object position information of the target position object obtained by the position detection is used as payment positioning information.

[0036] The position detection link includes a link for performing position detection to obtain a target position object for position determination; optionally, the position detection link can be a link composed of one or more position objects having a sequential relationship; the position object in this embodiment can be an object capable of position determination, such as a merchant whose position does not generally change, a payment application that can collect terminal position, and an institution subroutine. The position detection link can be a link composed of a merchant, an institution subroutine, and a payment application, a link composed of an institution subroutine and a payment application, a link composed of a merchant and a payment application, or a link composed of a payment application.

[0037] The payment location information includes the current location information of the institutional user.

[0038] In this embodiment, a location detection link can be pre-configured. After reading the access location set configured in the institution's payment access policy, location detection is performed according to the location detection link to obtain the target location object, and the object location information of the target location object is used as payment positioning information.

[0039] In an optional implementation manner provided by this embodiment, in a process of performing position detection according to a position detection link based on the payment information carried by the payment instruction, and using the object position information of the target position object obtained by the position detection as the payment positioning information, the following operations are performed: reading the merchant identifier carried by the payment instruction, and querying whether the merchant carries a merchant authorization mark based on the merchant identifier; if so, determining that the merchant is the target position object, and reading the merchant position information associated with the merchant identifier as the payment positioning information; if not, based on the user identifier carried by the payment instruction, reading the terminal position information collected and stored when the institution user accesses the institution subprogram in the position information storage area of ​​the institution subprogram; verifying whether the terminal position information is valid position information based on the collection time of the terminal position information and the acquisition time of the payment instruction; if so, determining the institution subprogram as the target position object, and using the terminal position information as the payment positioning information; if not, determining the payment application as the target position object, and calling the position collection component configured on the user terminal of the institution user to collect the terminal position information based on the location authorization mark of the institution user for the payment application; and determining the collected terminal position information as the payment positioning information.

[0040] Specifically, the location detection link is composed of the merchant in the first place, the institutional subroutine in the second place, and the payment application in the third place; in the process of performing location detection according to the location detection link based on the payment information carried by the payment instruction, and using the object location information of the target location object obtained by the location detection as the payment positioning information, first query whether the merchant is an authorized merchant of the payment application based on the merchant identifier carried by the payment instruction. If so, the merchant is determined to be the target location object, and the merchant location information associated with the merchant identifier entered by the merchant during the merchant authorization process is used as the payment positioning information of the institutional user.

[0041] If the merchant is not an authorized merchant of the payment application, that is, the merchant does not carry a merchant authorization mark, in order to avoid directly reading the institutional user's location information from the user terminal to affect the institutional user's payment perception, based on the user identifier carried by the payment instruction, the terminal location information collected and stored by the location collection component when the institutional user accesses the institutional subroutine is read in the location information storage area of ​​the institutional subroutine. In order to avoid a long time difference between the read terminal location information and the acquisition time of the payment instruction, the terminal location information cannot accurately represent the current location of the institutional user. Therefore, after reading the terminal location information, verify whether the time difference between the collection time of the terminal location information and the acquisition time of the payment instruction is less than the time threshold. If so, the institutional subroutine is determined as the target location object, and the terminal location information associated with the user identifier carried by the payment instruction read in the location storage area of ​​the institutional subroutine is used as the payment location information.

[0042] Furthermore, if the time difference between the time the terminal location information is collected and the time the payment instruction is obtained is greater than or equal to the time threshold, the terminal location information read cannot be used as valid location information. To obtain more accurate location information of the institutional user, the payment application is identified as the target location object. After the payment application is identified as the target location object, the location collection component configured on the institutional user's user terminal is called to collect the terminal location information, and the collected terminal location information is determined as the payment positioning information. It should be noted that terminal location information is, to a certain extent, private to the user. Therefore, calling the location collection component to collect terminal location information requires authorization from the institutional user. If the institutional user has a location authorization mark for the payment application, the location collection component configured on the institutional user's user terminal is called based on this location authorization mark to collect the terminal location information. If the institutional user has not a location authorization mark for the payment application, a location authorization reminder is sent to the institutional user. After obtaining the location authorization instruction submitted by the institutional user, the institutional user is marked for location authorization, and the location collection component configured on the user terminal is called based on this location authorization mark to collect the terminal location information.

[0043] Optionally, when the merchant is the target location object, the merchant's object location information is obtained based on the merchant identification; when the organization subroutine is the target location object, the organization subroutine's object location information is obtained by reading from the organization subroutine's location information storage area based on the user identification; when the payment application is the target location object, the payment application's object location information is collected through the location component configured in the user terminal.

[0044] The above specifically describes the location detection process and the process of determining the payment positioning information of the location detection link including merchants, agency subroutines and payment applications. In addition, in order to improve the efficiency of location detection and avoid waste of resources caused by all payment instructions being performed through the above-mentioned location detection link for location detection, in this embodiment, based on the payment information carried by the payment instruction, location detection is performed according to the location detection link, and the object location information of the target location object obtained by the location detection is used as the payment positioning information. The process can also be achieved in the following way: based on the identification mark category carried in the payment instruction, the location detection link for location detection is determined; location detection is performed according to the location detection link to obtain the target location object, and the object location information corresponding to the target location object is used as the payment positioning information.

[0045] Specifically, first determine the location detection link for location detection based on the identification tag category carried in the payment instruction, then perform location detection according to the determined location detection link to obtain the target location object, and use the object location information of the target location object as payment positioning information.

[0046] Optionally, the identification tag category refers to the category used to characterize the payment identifier displayed by the user terminal and collected by the merchant device. If the payment instruction is generated by the merchant device after collecting the application payment identifier of the institutional user based on the institutional user's application displayed by the payment application, the identification tag category is the identification tag category of the application payment identifier. If the payment instruction is generated by the merchant device after collecting the sub-program payment identifier of the institutional user based on the institutional sub-program configured by the payment application, the identification tag category is the identification tag category of the sub-program payment identifier. In addition, if the payment instruction is generated by the user terminal after collecting the merchant's collection identifier, the identification tag category may be the identification tag category of the collection identifier.

[0047] Optionally, if the payment instruction carries the identification tag category of the application payment identifier, then based on the identification tag category of the application payment identifier, the application detection link is determined to be the location detection link; if the payment instruction carries the identification tag category of the subroutine payment identifier, the subroutine detection link is determined to be the location detection link; if the payment instruction carries the identification tag category of the collection identifier, the merchant detection link is determined to be the location detection link. The application detection link consists of the payment application; the subroutine detection link consists of the institution subroutine and the payment application; and the merchant detection link consists of the merchant, the institution subroutine, and the payment application.

[0048] After the application detection link is determined as the location detection link, in an optional implementation manner provided by this embodiment, in the process of performing location detection according to the location detection link, obtaining the target location object, and using the object location information corresponding to the target location object as the payment location information, the payment application is first determined as the target location object based on the application identifier of the payment application contained in the application detection link; and then, based on the location authorization mark of the institutional user for the payment application, the location collection component configured in the user terminal of the institutional user is called to collect the payment location information.

[0049] In addition, the application detection link can also be composed of merchants and payment applications. Optionally, in the process of determining the payment location information, it is first queried whether the merchant carries a merchant authorization mark based on the merchant identifier carried by the payment instruction. If so, the merchant is determined to be the target location object, and the merchant location information associated with the merchant identifier is read as the payment location information; if not, the payment application is determined as the target location object based on the application identifier of the payment application contained in the application detection link, and the location collection component configured on the user terminal of the institutional user is called to collect the payment location information.

[0050] After the subroutine detection link is determined as a location detection link, in an optional implementation manner provided by this embodiment, in the process of performing location detection according to the location detection link, obtaining a target location object, and using the object location information corresponding to the target location object as payment positioning information, the following operations are performed: reading the terminal location information stored in the location information storage channel of the institution subroutine in the subroutine detection link; verifying whether the collection time of the terminal location information meets the detection conditions; if so, taking the institution subroutine as the target location object, and using the terminal location information as the payment positioning information; if not, taking the payment application in the subroutine detection link as the target location object, and based on the location authorization mark of the institution user for the payment application, calling the location collection component of the user terminal to collect the payment positioning information.

[0051] Optionally, the terminal location information is acquired by calling a location acquisition component of the user terminal when the institution user accesses the institution subprogram.

[0052] Among them, whether the collection time of the terminal location information meets the detection conditions is verified, that is, whether the terminal location information is valid location information is verified.

[0053] In addition, the subroutine detection link can also be consistent with the merchant detection link, that is, first, based on the merchant identifier carried by the payment instruction, it is queried whether the merchant carries a merchant authorization mark. If so, the merchant is determined to be a target location object, and the merchant location information associated with the merchant identifier is read as the payment positioning information; if not, the terminal location information stored in the location information storage channel of the institution subroutine in the subroutine detection link is read; verify whether the collection time of the terminal location information meets the detection conditions; if so, the institution subroutine is used as the target location object, and the terminal location information is used as the payment positioning information; if not, the payment application in the subroutine detection link is used as the target location object, and based on the location authorization mark of the institution user for the payment application, the location collection component of the user terminal is called to collect the payment positioning information.

[0054] That is, if the payment instruction carries the identification tag category of the application payment identifier, the application detection link is determined to be the location detection link based on the identification tag category of the application payment identifier; otherwise, the merchant detection link is determined to be the location detection link.

[0055] Step S206 , performing location matching processing on the payment location information and the access location in the access location set, determining the payment account according to the account type corresponding to the matching processing result, and performing order payment based on the payment account.

[0056] The above-mentioned payment location information that can effectively and accurately represent the location information of the institutional user is obtained. In this step, the payment location information and the access location in the access location set are position matched. If the matching result is a successful match, the institutional account of the institution is read according to the corresponding institutional account type, and the order payment is made based on the institutional account; if the matching result is a failed match, the user account of the institutional user is read according to the corresponding user account type, and the order payment is made based on the user account.

[0057] In this embodiment, the institution can configure the institutional payment method of the institution and the merchant in the institutional payment access strategy, such as making payment based on the resource balance in the institutional account, making payment based on the resource balance in the institutional account and the rights and interests issued by the merchant, and making payment based on the number of times agreed in advance between the institution and the merchant. In the process of making order payments based on the institutional account, the institution can first query the institutional payment method agreed upon by the institution and the merchant based on the account identifier of the institutional account and / or the merchant identifier of the merchant; and then make order payment for the order to be paid based on the institutional payment method.

[0058] For example, if an institution has paid fees to a merchant 10 times in advance, when the institution's users pay for orders based on the institution's account, only one prepaid fee will be deducted.

[0059] It should be noted that the access position in the institutional payment access strategy in this embodiment can be represented based on the address code, such as a six-digit address code, in which the first and second digits represent the provincial level, the third and fourth digits represent the prefecture level, and the fifth and sixth digits represent the county level.

[0060] It should also be noted that the order payment processing method provided in this embodiment, in addition to location matching processing, can also perform access detection based on other conditions configured in the institutional payment access policy, such as access detection in the time dimension, access detection in the merchant dimension, and access detection in the order resource amount dimension. If the access detection in each dimension is passed, order payment is made based on the institutional account.

[0061] In summary, the order payment processing method provided by this embodiment, after obtaining the payment instruction for the order to be paid submitted by the institutional user and the merchant after the identification collection, first reads the access location set configured in the institutional payment access policy of the institution mentioned by the institutional user, and then based on the payment information carried by the payment instruction, according to the pre-configured location detection link, first inquires whether the merchant carries the merchant authorization mark based on the merchant identification carried by the payment instruction. If so, determines that the merchant is the target location object, and reads the merchant location information associated with the merchant identification as the payment positioning information. If not, based on the user identification carried by the payment instruction, reads the terminal location information (the last time it was collected and stored) collected and stored by the institutional user when accessing the institutional subroutine in the location information storage area of ​​the institutional subroutine, and verifies whether the terminal location information is Valid location information, if yes, the institution subroutine is determined as the target location object, and the terminal location information read is used as the payment positioning information, if not, the payment application is determined as the target location object, and the location collection component configured in the user terminal is called to collect the terminal location information and the collected terminal location information is determined as the payment positioning information, thereby improving the accuracy of the determined payment positioning information, so that the payment positioning information can accurately and effectively reflect the real location of the institution user, after obtaining the payment positioning information, the payment positioning information and the access location in the access location set are position matched, if the match is successful, the payment order is paid based on the institution's institutional account, thereby improving the effectiveness of the institution's payment, avoiding the loss of institutional resources, and at the same time, improving the convenience of institutional users to make payments based on the institution's account.

[0062] The following further illustrates the order payment processing method provided in this embodiment by taking the application of an order payment processing method provided in this embodiment in an institutional payment scenario as an example. Referring to Figure 3, the order payment processing method applied to the institutional payment scenario specifically includes the following steps.

[0063] Step S302: obtaining the payment instruction for the order to be paid submitted by the institutional user after the institutional user cooperates with the merchant to collect the identification, and reading the access position set configured in the institutional payment access policy of the institution to which the institutional user belongs.

[0064] Step S304, based on the merchant identifier carried in the payment instruction, query whether the merchant carries a merchant authorization mark; if so, read the merchant location information associated with the merchant identifier as payment positioning information and execute steps S314 to S314; if not, execute step S306.

[0065] Step S306: Based on the user identifier carried in the payment instruction, the terminal location information collected and stored when the institution user accesses the institution subprogram is read in the location information storage area of ​​the institution subprogram.

[0066] Step S308, based on the time of collecting the terminal location information and the time of obtaining the payment instruction, verify whether the terminal location information is valid location information; if so, set the terminal location information as payment positioning information and execute steps S314 to S314; if not, execute steps S310 to S314.

[0067] Step S310 , based on the location authorization mark of the institution user for the payment application, calling the location collection component configured on the user terminal of the institution user to collect the terminal location information, and determining the terminal location information as the payment positioning information.

[0068] Step S312: performing location matching processing on the payment location information and the admission location in the admission location set.

[0069] That is, it is queried whether the access location set contains the payment location information. If so, it is determined that the match is successful; if not, it is determined that the match fails.

[0070] Step S314: If the match is successful, the payment order is processed according to the institution's institutional account.

[0071] The following takes the application of an order payment processing method provided by this embodiment in an identification payment scenario as an example, and further explains the order payment processing method provided by this embodiment. See Figure 4. The order payment processing method applied to the identification payment scenario specifically includes the following steps.

[0072] Step S402: obtaining the payment instruction for the order to be paid submitted by the institutional user after the institutional user cooperates with the merchant to collect the identification, and reading the access position set configured in the institutional payment access policy of the institution to which the institutional user belongs.

[0073] Step S404: Read the identification mark type carried in the payment instruction.

[0074] Step S406: read the position detection link according to the identification mark category, and perform position detection according to the position detection link to obtain the target position object.

[0075] Step S408: Using the object location information of the target location object as payment positioning information.

[0076] Step S410: performing location matching processing on the payment location information and the admission location in the admission location set.

[0077] Step S412: Determine the payment account according to the account type corresponding to the matching processing result, and make order payment based on the payment account.

[0078] One or more embodiments of an order payment processing device provided in this specification are as follows.

[0079] In the above embodiment, an order payment processing method is provided, and correspondingly, an order payment processing device is also provided, which is described below with reference to the accompanying drawings.

[0080] 5 , which shows a schematic diagram of an order payment processing device embodiment provided by this embodiment.

[0081] Since the device embodiment corresponds to the method embodiment, the description is relatively simple. For the relevant parts, please refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0082] This embodiment provides an order payment processing device, including: an instruction acquisition module 502, configured to obtain a payment instruction for an order to be paid submitted by an institutional user and a merchant after cooperation in identification collection, and read the access location set configured in the institutional payment access policy of the institution to which the institutional user belongs; a position detection module 504, configured to perform position detection according to a position detection link based on the payment information carried by the payment instruction, and use the object position information of the target position object obtained by the position detection as payment positioning information; an order payment module 506, configured to perform position matching processing on the payment positioning information and the access location in the access location set, determine the payment account according to the account type corresponding to the matching processing result, and perform order payment based on the payment account.

[0083] One or more embodiments of an order payment processing device provided in this specification are as follows.

[0084] Corresponding to the order payment processing method described above, based on the same technical concept, one or more embodiments of this specification also provide an order payment processing device, which is used to execute the order payment processing method provided above. Figure 6 is a structural schematic diagram of an order payment processing device provided by one or more embodiments of this specification.

[0085] This embodiment provides an order payment processing device, including: As shown in FIG6 , the order payment processing device may vary significantly depending on configuration or performance, and may include one or more processors 601 and memory 602. Memory 602 may store one or more applications or data. Memory 602 may be either ephemeral or persistent. The applications stored in memory 602 may include one or more modules (not shown), each of which may include a series of computer-executable instructions for the order payment processing device. Furthermore, processor 601 may be configured to communicate with memory 602 to execute the series of computer-executable instructions in memory 602 on the order payment processing device. The order payment processing device may also include one or more power supplies 603, one or more wired or wireless network interfaces 604, one or more input / output interfaces 605, one or more keyboards 606, and the like.

[0086] In a specific embodiment, an order payment processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the order payment processing device, and is configured to be executed by one or more processors. The one or more programs include the following computer-executable instructions: obtaining a payment instruction for an order to be paid submitted by an institutional user and a merchant after cooperating to collect identification, and reading an access location set configured in the institutional payment access policy of the institution to which the institutional user belongs; performing location detection according to a location detection link based on the payment information carried in the payment instruction, and using the object location information of the target location object obtained by the location detection as payment positioning information; performing location matching processing on the payment positioning information and the access location in the access location set, determining a payment account according to the account type corresponding to the matching processing result, and performing order payment based on the payment account.

[0087] One or more embodiments of a computer-readable storage medium provided in this specification are as follows.

[0088] Corresponding to the order payment processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a computer-readable storage medium.

[0089] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions, which implement the following process when executed: obtaining a payment instruction for an order to be paid submitted by an institutional user and a merchant after cooperating to collect identifications, and reading an access location set configured in the institutional payment access policy of the institution to which the institutional user belongs; performing location detection according to a location detection link based on the payment information carried by the payment instruction, and using the object location information of the target location object obtained by the location detection as payment positioning information; performing location matching processing on the payment positioning information and the access locations in the access location set, determining a payment account according to the account type corresponding to the matching processing result, and making order payment based on the payment account.

[0090] It should be noted that the embodiment of the computer-readable storage medium in this specification and the embodiment of the order payment processing method in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0091] The various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other. Each embodiment focuses on the differences from other embodiments. For example, the device embodiment, equipment embodiment and readable storage medium embodiment are similar to the method embodiment, so the description is relatively simple. For relevant content in the device embodiment, equipment embodiment and readable storage medium embodiment, please refer to the partial description of the method embodiment.

[0092] The foregoing description of this specification describes specific embodiments. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in an order different from that described in the embodiments and still achieve the desired results. Furthermore, the processes depicted in the accompanying drawings do not necessarily require the specific order shown or the sequential order to achieve the desired results. In certain embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0093] In the 1930s, technological improvements could be clearly distinguished as either hardware improvements (for example, improvements to circuit structures like diodes, transistors, and switches) or software improvements (improvements to process flows). However, with the advancement of technology, many process flow improvements today can now be considered direct improvements to hardware circuit structures. Designers almost always create the corresponding hardware circuit structure by programming the improved process flow into the hardware circuit. Therefore, it cannot be said that a process flow improvement cannot be implemented using hardware modules. For example, a programmable logic device (PLD), such as a field programmable gate array (FPGA), is an integrated circuit whose logical function is determined by user programming. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to hire a chip manufacturer to design and manufacture a dedicated integrated circuit chip. Moreover, nowadays, instead of manually fabricating integrated circuit chips, this programming is mostly done using "logic compiler" software. This is similar to the software compiler used when developing programs. Before compilation, the original code must also be written in a specific programming language, called a hardware description language (HDL). There is not just one HDL, but many, 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. The most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art will also understand that by simply programming the method flow in one of these hardware description languages ​​and then programming it into an integrated circuit, a hardware circuit that implements the logic method flow can be easily obtained.

[0094] The controller can be implemented in any suitable manner. For example, the controller can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, application-specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers 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 a purely computer-readable program code format, the controller can be implemented in the form of logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded microcontrollers by logically programming the method steps. Therefore, such a controller can be considered a hardware component, and the devices included therein for implementing various functions can also be considered as structures within the hardware component. Or even, the devices for implementing various functions can be considered as both software modules that implement the method and structures within the hardware component.

[0095] The systems, devices, modules, or units described in the above embodiments may be implemented by computer chips or physical devices, or by software having certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smartphone, 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.

[0096] For the convenience of description, the above devices are described as being divided into various units according to their functions. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0097] It will be understood by those skilled in the art that one or more embodiments of this specification may be provided as methods, systems, or computer program software. Thus, one or more embodiments of this specification may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this specification may take the form of a computer program software implemented on one or more computer-readable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0098] This specification is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program software according to the embodiments of this specification. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device produce a device for implementing the functions specified in one or more processes in the flowchart and / or one or more boxes in the block diagram.

[0099] These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce a product including an instruction device that implements the functions specified in one or more processes in the flowchart and / or one or more boxes in the block diagram.

[0100] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, so that the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in one or more processes in the flowchart and / or one or more boxes in the block diagram.

[0101] In a typical configuration, a computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.

[0102] Memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

[0103] Computer-readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. The information can be computer-readable instructions, data structures, program modules or other data. Examples of computer-readable storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory media such as modulated data signals and carrier waves.

[0104] It should also be noted that the terms "comprises," "includes," or any other variations thereof are intended to encompass non-exclusive inclusion, such that a process, method, commodity, or apparatus that includes a series of elements includes not only those elements but also other elements not explicitly listed, or includes elements inherent to such process, method, commodity, or apparatus. In the absence of further limitations, an element defined by the phrase "comprises a ..." does not exclude the presence of other identical elements in the process, method, commodity, or apparatus that includes the element.

[0105] One or more embodiments of this specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, and the like that perform specific tasks or implement specific abstract data types. One or more embodiments of this specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communications network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0106] The various embodiments in this specification are described in a progressive manner. Similar parts between the various embodiments can be referred to in conjunction with each other. Each embodiment focuses on the differences between the other embodiments. In particular, the system embodiments are generally similar to the method embodiments, so the description is relatively simple. For relevant parts, refer to the description of the method embodiments.

[0107] The foregoing description is merely an example of the present invention and is not intended to limit the present invention. Persons skilled in the art will readily appreciate that various modifications and variations of the present invention are possible. Any modifications, equivalent substitutions, or improvements made within the spirit and principles of the present invention are intended to be included within the scope of the claims herein.

Claims

1. A method for processing order payment, comprising: Obtaining the payment instruction for the order to be paid submitted by the institutional user after cooperating with the merchant to collect the identification, and reading the access location set configured in the institutional payment access policy of the institution to which the institutional user belongs; Based on the payment information carried in the payment instruction, position detection is performed according to the position detection link, and object position information of the target position object obtained by the position detection is used as payment positioning information; The payment location information is matched with the access location in the access location set, a payment account is determined according to an account type corresponding to the matching result, and order payment is performed based on the payment account.

2. The order payment processing method according to claim 1, wherein the step of performing location detection according to a location detection link based on the payment information carried in the payment instruction and using the object location information of the target location object obtained by the location detection as the payment positioning information comprises: Reading the merchant identifier carried in the payment instruction, and querying whether the merchant carries a merchant authorization mark based on the merchant identifier; If so, the merchant is determined to be the target location object, and the merchant location information associated with the merchant identifier is read as the payment positioning information.

3. The order payment processing method according to claim 2, wherein if the query based on the merchant identifier to determine whether the merchant carries a merchant authorization mark is negative, the following operations are performed: Based on the user identifier carried in the payment instruction, the terminal location information collected and stored when the institution user accesses the institution subprogram is read in the location information storage area of ​​the institution subprogram; Verifying whether the terminal location information is valid location information based on the time when the terminal location information is collected and the time when the payment instruction is obtained; If so, the mechanism subroutine is determined as the target location object, and the terminal location information is used as the payment positioning information.

4. The order payment processing method according to claim 3, if the result of the operation of verifying whether the terminal location information is valid based on the time when the terminal location information is collected and the time when the payment instruction is obtained is no, then performing the following operations: Determine the payment application as the target location object, and call the location collection component configured on the user terminal of the institutional user to collect terminal location information based on the location authorization mark of the institutional user for the payment application; The collected terminal location information is determined as the payment location information.

5. The order payment processing method according to claim 1, wherein the step of performing location detection according to a location detection link based on the payment information carried in the payment instruction and using the object location information of the target location object obtained by the location detection as the payment positioning information comprises: Determining a location detection link for performing location detection based on the type of identification tag carried in the payment instruction; Position detection is performed according to the position detection link to obtain a target position object, and object position information corresponding to the target position object is used as the payment positioning information.

6. The order payment processing method according to claim 5, wherein the payment instruction is generated after the merchant device collects the application payment identifier of the institutional user displayed by the institutional user based on the payment application; Accordingly, the determining of a location detection link for performing location detection based on the identification tag category carried in the payment instruction includes: Based on the identification tag category of the application payment identifier carried in the payment instruction, the application detection link is determined to be a location detection link.

7. The order payment processing method according to claim 6, wherein performing location detection according to the location detection link to obtain a target location object and using object location information corresponding to the target location object as payment location information comprises: determining the payment application as the target location object according to the application identifier of the payment application included in the application detection link; According to the location authorization mark of the payment application by the institutional user, the location collection component configured in the user terminal of the institutional user is called to collect the terminal location information, and the terminal location information is used as the payment positioning information.

8. The order payment processing method according to claim 5, wherein the payment instruction is generated after the merchant device collects the subprogram payment identifier of the institutional user displayed by the institutional subprogram configured by the payment application; Accordingly, the determining of a location detection link for performing location detection based on the identification tag category carried in the payment instruction includes: The subroutine detection link is determined to be a location detection link based on the identification mark category of the subroutine payment identifier carried in the payment instruction.

9. The order payment processing method according to claim 8, wherein performing location detection according to the location detection link to obtain a target location object and using object location information corresponding to the target location object as payment location information comprises: Reading the terminal location information stored in the location information storage channel of the mechanism subroutine in the subroutine detection link; The terminal location information is collected by calling the location collection component of the user terminal when the institution user accesses the institution subprogram; Verify whether the collection time of the terminal location information meets the detection conditions; If so, use the mechanism subroutine as the target location object and the terminal location information as the payment location information; If not, the payment application in the subroutine detection link is used as the target location object, and based on the location authorization mark of the institution user for the payment application, the location collection component of the user terminal is called to collect payment location information.

10. The order payment processing method according to claim 1, wherein the step of reading the access location set configured in the institutional payment access policy of the institution to which the institutional user belongs comprises: Determine the order scenario of the order to be paid, and query the institution payment access policy for a target access scenario that matches the order scenario; The access location set under the target access scenario is read in the institution payment access policy.

11. The order payment processing method according to claim 1, wherein determining a payment account according to an account type corresponding to a matching processing result and performing order payment based on the payment account comprises: If the matching process result is successful, the institutional account of the institution is read according to the corresponding institutional account type, and the order payment is made based on the institutional account; If the matching process result is a matching failure, the user account of the institutional user is read according to the corresponding user account type, and the order payment is made based on the user account.

12. The order payment processing method according to claim 11, wherein the order payment based on the institutional account comprises: querying the institutional payment method agreed upon between the institution and the merchant based on the account identifier of the institution account and / or the merchant identifier of the merchant; Make order payment for the order to be paid based on the institution's payment method.

13. An order payment processing device, comprising: An instruction acquisition module is configured to acquire a payment instruction for an order to be paid submitted by an institutional user after cooperating with a merchant to collect identifications, and read an access location set configured in an institutional payment access policy of the institution to which the institutional user belongs; a location detection module configured to perform location detection according to a location detection link based on the payment information carried in the payment instruction, and use object location information of the target location object obtained by the location detection as payment positioning information; The order payment module is configured to perform location matching processing on the payment location information and the access location in the access location set, determine the payment account according to the account type corresponding to the matching processing result, and make order payment based on the payment account.

14. An order payment processing device, comprising: processor; and a memory configured to store computer-executable instructions, wherein the processor executes the computer-executable instructions to implement the following process: Obtaining the payment instruction for the order to be paid submitted by the institutional user after cooperating with the merchant to collect the identification, and reading the access location set configured in the institutional payment access policy of the institution to which the institutional user belongs; Based on the payment information carried in the payment instruction, position detection is performed according to the position detection link, and object position information of the target position object obtained by the position detection is used as payment positioning information; The payment location information is matched with the access location in the access location set, a payment account is determined according to an account type corresponding to the matching result, and order payment is performed based on the payment account.

15. A computer-readable storage medium storing computer-executable instructions, wherein the computer-executable instructions, when executed, implement the following process: Obtaining the payment instruction for the order to be paid submitted by the institutional user after cooperating with the merchant to collect the identification, and reading the access location set configured in the institutional payment access policy of the institution to which the institutional user belongs; Based on the payment information carried in the payment instruction, position detection is performed according to the position detection link, and object position information of the target position object obtained by the position detection is used as payment positioning information; The payment location information is matched with the access location in the access location set, a payment account is determined according to an account type corresponding to the matching result, and order payment is performed based on the payment account.

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