Payment collection code generation method and apparatus, and payment method and apparatus

Abstract

Provided in the embodiments of the present disclosure are a payment collection code generation method and apparatus, and a payment method and apparatus. The payment collection code generation method comprises: acquiring a payment collection code generation request from a first terminal device of a first user, wherein the payment collection code generation request is used for requesting the generation of a joint payment collection code shared by the first user and at least one second user, the joint payment collection code being used for combined payment to the first user and the second user; on the basis of the payment collection code generation request, acquiring first payment collection code generation information of the first user and second payment collection code generation information of the second user; and generating the joint payment collection code on the basis of the first payment collection code generation information and the second payment collection code generation information, and returning the joint payment collection code to the first terminal device for display.

Description

Method and device for generating collection code, method and device for payment

[0001] Cross-reference to Related Applications

[0002] The present application claims priority to the Chinese patent application No. 202411365650.6, filed on September 27, 2024, and entitled "Method and device for generating collection code, method and device for payment", the content of which is incorporated herein by reference in its entirety. TECHNICAL FIELD

[0003] The present disclosure relates to the technical field of computer, and particularly relates to a method and device for generating collection code, and a method and device for payment. BACKGROUND

[0004] At present, after a consumer consumes at a merchant, the consumer can make payment by scanning a collection code of the merchant. SUMMARY

[0005] The present disclosure provides a method and device for generating collection code, and a method and device for payment.

[0006] In a first aspect, the present disclosure provides a method for generating collection code, comprising:

[0007] obtaining a collection code generation request from a first terminal device of a first user; the collection code generation request is used to request to generate a joint collection code shared by the first user and at least one second user; the joint collection code is used to make combined payment to the first user and the second user;

[0008] based on the collection code generation request, obtaining first collection code generation information of the first user and second collection code generation information of the second user;

[0009] based on the first collection code generation information and the second collection code generation information, generating the joint collection code, and returning the joint collection code to the first terminal device for display.

[0010] In a second aspect, the present disclosure provides a method for generating collection code, comprising:

[0011] obtaining first collection demand information of a first user and second collection demand information of at least one second user;

[0012] generating a collection code generation request according to the first collection demand information and the second collection demand information, and sending the collection code generation request to a collection code generation system; the collection code generation request is used to request to generate a joint collection code shared by the first user and the second user; the joint collection code is used to make combined payment to the first user and the second user.

[0013] receiving the joint collection code returned by the collection code generation system based on the collection code generation request, and displaying the joint collection code.

[0014] In a third aspect, the embodiments of the present disclosure provide a collection code generation method, including:

[0015] receiving an authorization request from a collection code generation system; the authorization request is used to request a second user to authorize a joint collection code; the joint collection code is a collection code shared by the second user and a first user; and the joint collection code is used for consolidated payment to the first user and the second user;

[0016] generating an authorization response message based on the authorization request, and returning the authorization response message to the collection code generation system; the authorization response message is used to indicate that the second user authorizes the generation of the joint collection code.

[0017] In a fourth aspect, the embodiments of the present disclosure provide a payment method, including:

[0018] parsing a joint collection code to obtain joint collection information; the joint collection code is a collection code shared by the first user and at least one second user; the joint collection code is used for consolidated payment to the first user and the second user; and the joint collection information includes first collection information of the first user and second collection information of the second user;

[0019] generating a payment request based on the first collection information and the second collection information, and sending the payment request to a payment system; the payment request is used to request consolidated payment to the first user and the second user based on the first collection information and the second collection information.

[0020] In a fifth aspect, the embodiments of the present disclosure provide a collection code generation device, including:

[0021] a request obtaining unit configured to obtain a collection code generation request from a first terminal device of a first user; the collection code generation request is used to request to generate a joint collection code shared by the first user and at least one second user; and the joint collection code is used for consolidated payment to the first user and the second user;

[0022] an information obtaining unit configured to obtain first collection code generation information of the first user and second collection code generation information of the second user based on the collection code generation request;

[0023] The collection code generation unit is configured to generate the joint collection code based on the first collection code generation information and the second collection code generation information, and return the joint collection code to the first terminal device for display.

[0024] In a sixth aspect, the embodiments of the present disclosure provide a collection code generation apparatus, including:

[0025] The demand obtaining unit is configured to obtain first collection demand information of a first user and second collection demand information of at least one second user.

[0026] The request generating unit is configured to generate a collection code generation request based on the first collection demand information and the second collection demand information, and send the collection code generation request to a collection code generation system; the collection code generation request is used to request generation of a joint collection code shared by the first user and the second user; and the joint collection code is used to perform joint payment to the first user and the second user.

[0027] The content display unit is configured to receive the joint collection code returned by the collection code generation system based on the collection code generation request, and display the joint collection code.

[0028] In a seventh aspect, the embodiments of the present disclosure provide a collection code generation apparatus, including:

[0029] The authorization receiving unit is configured to receive an authorization request from a collection code generation system; the authorization request is used to request authorization of a joint collection code by a second user; the joint collection code is a collection code shared by the second user and a first user; and the joint collection code is used to perform joint payment to the first user and the second user.

[0030] The authorization response unit is configured to generate an authorization response message based on the authorization request, and return the authorization response message to the collection code generation system; the authorization response message is used to indicate that the second user authorizes generation of the joint collection code.

[0031] In an eighth aspect, the embodiments of the present disclosure provide a payment apparatus, including:

[0032] The parsing unit is configured to parse a joint collection code to obtain joint collection information; the joint collection code is a collection code shared by a first user and at least one second user; the joint collection code is used to perform joint payment to the first user and the second user; and the joint collection information includes first collection information of the first user and second collection information of the second user.

[0033] The payment unit is configured to generate a payment request based on the first collection information and the second collection information, and send the payment request to a payment system. The payment request is configured to request a combined payment to the first user and the second user based on the first collection information and the second collection information.

[0034] In a ninth aspect, an electronic device is provided, including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to implement the steps of the method of the first aspect to the fourth aspect.

[0035] In a tenth aspect, a computer-readable storage medium is provided, configured to store computer-executable instructions that, when executed by a processor, implement the steps of the method of the first aspect to the fourth aspect.

[0036] In an eleventh aspect, a computer program product is provided, including a computer program that, when executed by a processor, implements the steps of the method of the first aspect to the fourth aspect.

[0037] In one or more embodiments of the present disclosure, first, a collection code generation request from a first terminal device of a first user is obtained, the collection code generation request being configured to request generation of a joint collection code shared by the first user and at least one second user, the joint collection code being configured to perform a combined payment to the first user and the second user, then, based on the collection code generation request, first collection code generation information of the first user and second collection code generation information of the second user are obtained, and finally, based on the first collection code generation information and the second collection code generation information, the joint collection code is generated and returned to the first terminal device for display. BRIEF DESCRIPTION OF DRAWINGS

[0038] In order to more clearly illustrate the technical solutions of one or more embodiments of the present disclosure or the prior art, the drawings needed in the embodiment or prior art description will be briefly introduced below. Obviously, the drawings in the following description are only some embodiments described in the present disclosure, and other drawings can be obtained by those skilled in the art without creative labor.

[0039] FIG. 1 is a schematic diagram of an application scenario of a collection code generation method according to an embodiment of the present disclosure;

[0040] FIG. 2 is a schematic diagram of a flow of a collection code generation method according to an embodiment of the present disclosure;

[0041] FIG. 3 is a flowchart of a method for generating a payment code according to another embodiment of the present disclosure;

[0042] FIG. 4 is a flowchart of a method for generating a payment code according to yet another embodiment of the present disclosure;

[0043] FIG. 5 is a flowchart of a method for generating a payment code according to yet another embodiment of the present disclosure;

[0044] FIG. 6 is a flowchart of a payment method according to an embodiment of the present disclosure;

[0045] FIG. 7 is an interaction flowchart of a first terminal device, a payment code generation system, and any one of second terminal devices according to an embodiment of the present disclosure;

[0046] FIG. 8 is an interaction flowchart of a first terminal device, a third terminal device, and a payment system according to an embodiment of the present disclosure;

[0047] FIG. 9 is a structural diagram of a payment code generation apparatus according to an embodiment of the present disclosure;

[0048] FIG. 10 is a structural diagram of a payment code generation apparatus according to another embodiment of the present disclosure;

[0049] FIG. 11 is a structural diagram of a payment code generation apparatus according to another embodiment of the present disclosure;

[0050] FIG. 12 is a structural diagram of a payment apparatus according to an embodiment of the present disclosure;

[0051] FIG. 13 is a structural diagram of an electronic device according to an embodiment of the present disclosure. DETAILED DESCRIPTION

[0052] In the prior art, after a consumer makes purchases at multiple merchants, the consumer needs to scan the payment code of each merchant to make payment, which has the defects of complicated payment process and low payment efficiency. In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be described clearly and completely below with reference to the drawings in one or more embodiments of the present disclosure. Obviously, the described embodiments are only a part of the embodiments of the present disclosure, rather than all the embodiments. Based on one or more embodiments of the present disclosure, all other embodiments obtained by those skilled in the art without creative labor should fall within the protection scope of the present disclosure.

[0053] It can be understood that, before using the technical solutions disclosed in the embodiments of the present disclosure, the type, use range, use scenario, etc. of the personal information involved in the present disclosure should be informed to the user and the authorization of the user should be obtained through appropriate means according to relevant laws and regulations.

[0054] For example, in response to receiving an active request of a user, a prompt information is sent to the user to explicitly prompt the user that the operation requested to be performed will require obtaining and using personal information of the user. Thus, the user can autonomously select whether to provide the personal information to the software or hardware such as an electronic device, an application program, a server or a storage medium performing the operation of the technical solution of the present disclosure according to the prompt information.

[0055] As an optional but non-limiting implementation, in response to receiving an active request of a user, the prompt information can be sent to the user in the form of a pop-up window, and the prompt information can be presented in the form of text in the pop-up window. In addition, the pop-up window can also carry selection controls for the user to select "agree" or "disagree" to provide personal information to the electronic device.

[0056] It can be understood that the above notification and obtaining user authorization process is only illustrative and does not limit the implementation of the present disclosure, and other ways that meet the relevant laws and regulations can also be applied to the implementation of the present disclosure.

[0057] The embodiment of the present disclosure provides a collection code generation method, which can simplify the payment process and improve the payment efficiency when paying to multiple merchants.

[0058] FIG. 1 is a schematic diagram of an application scenario of a collection code generation method provided by an embodiment of the present disclosure. As shown in FIG. 1, the scenario includes a first terminal device of a first user, a second terminal device of a second user, a third terminal device of a third user, a collection code generation system and a payment system. The number of the second users is at least one. In FIG. 1, the number of the second users is two, and therefore, two second terminal devices are shown in FIG. 1. In FIG. 1, the first user and the second user can both be a merchant with a collection demand, and the third user can be a consumer with a payment demand. The terminal device of each user includes but is not limited to a mobile phone, a computer, a tablet computer, a notebook computer, a vehicle-mounted computer, a wearable device and the like. The collection code generation system can be a background system composed of one or more servers. The plurality of servers can form a server cluster. Similarly, the payment system can also be a background system composed of one or more servers. The plurality of servers can form a server cluster.

[0059] Referring to FIG. 1, the first terminal device of the first user can obtain first collection demand information of the first user and second collection demand information of at least one second user in response to a user operation of the first user, generate a collection code generation request according to the first collection demand information and the second collection demand information, and send the collection code generation request to the collection code generation system. The collection code generation request is used to request to generate a joint collection code shared by the first user and the second user, and the joint collection code is used to make a combined payment to the first user and the second user.

[0060] Then, the collection code generation system can receive a collection code generation request, obtain first collection code generation information of the first user and second collection code generation information of the second user based on the collection code generation request, generate a joint collection code based on the first collection code generation information and the second collection code generation information, and return the joint collection code to the first terminal device for display. Of course, the collection code generation system can also send the joint collection code to at least one second terminal device for display.

[0061] After generating the joint collection code of the first user and the second user through the above process, the third terminal device of the third user can parse the joint collection code to obtain joint collection information, the joint collection information including first collection information of the first user and second collection information of the second user, and generate a payment request based on the first collection information and the second collection information, and send the payment request to the payment system, the payment request being used to request the payment system to make a combined payment to the first user and the second user based on the first collection information and the second collection information. As shown in FIG. 1, the third terminal device can display the joint collection information: merchant A pays XX yuan; merchant B pays YY yuan, and display a payment control after parsing the joint collection code.

[0062] Finally, the payment system makes a combined payment to the first user and the second user based on the payment request, the first collection information and the second collection information, and returns a payment result to the third terminal device, the payment result including a payment success notification message or a payment failure notification message.

[0063] As can be seen, through the scenario in FIG. 1, when multiple merchants need to be paid, a joint collection code shared by the multiple merchants can be generated, and a combined payment can be made to the multiple merchants based on the joint collection code, thereby simplifying the payment process and improving the payment efficiency.

[0064] As can be seen from the scenario in FIG. 1, the present embodiment involves multi-terminal interaction of the first terminal device of the first user, the second terminal device of the second user, the third terminal device of the third user, the collection code generation system and the payment system. First, a method process applied to the collection code generation system is introduced.

[0065] FIG. 2 is a flowchart of a collection code generation method provided by an embodiment of the present disclosure, which can be applied to the collection code generation system and executed by the collection code generation system. As shown in FIG. 2, the method process includes:

[0066] In step S202, a collection code generation request from the first terminal device of the first user is obtained; the collection code generation request is used to request generation of a joint collection code shared by the first user and at least one second user; and the joint collection code is used to make a combined payment to the first user and the second user;

[0067] Step S204, based on the collection code generation request, obtaining first collection code generation information of the first user and second collection code generation information of the second user;

[0068] Step S206, based on the first collection code generation information and the second collection code generation information, generating a joint collection code, and returning the joint collection code to the first terminal device for display.

[0069] In this embodiment, first, a collection code generation request from the first terminal device of the first user is obtained, the collection code generation request is used to request to generate a joint collection code shared by the first user and at least one second user, the joint collection code is used to make a combined payment to the first user and the second user, then, based on the collection code generation request, first collection code generation information of the first user and second collection code generation information of the second user are obtained, and finally, based on the first collection code generation information and the second collection code generation information, a joint collection code is generated and returned to the first terminal device for display. It can be seen that, through this embodiment, when multiple merchants need to be paid, a joint collection code shared by multiple merchants can be generated, and a combined payment can be made to multiple merchants based on the joint collection code, thereby simplifying the payment process and improving the payment efficiency.

[0070] The method flow in FIG. 2 will be described in detail below.

[0071] In the above step S202, the collection code generation system obtains a collection code generation request from the first terminal device of the first user, for example, the collection code generation system receives the collection code generation request sent by the first terminal device. The collection code generation request is used to request to generate a joint collection code shared by the first user and at least one second user. The joint collection code can be a two-dimensional code or a bar code. The joint collection code carries first collection information of the first user and second collection information of each second user. The joint collection code is used to make a combined payment to the first user and each second user. For example, the consumer scans the joint collection code with the terminal device, and the terminal device displays a payment page after scanning. The payment page displays the collection account and the collection amount of the first user and the collection account and the collection amount of each second user. The consumer can make a combined payment to the first user and each second user through a payment operation based on the payment page, wherein the payment operation at least includes an operation of confirming payment.

[0072] In the above step S204, the collection code generation system obtains first collection code generation information of the first user and second collection code generation information of the second user based on the collection code generation request.

[0073] In one embodiment, before obtaining the first collection code generation information of the first user and the second collection code generation information of the second user based on the collection code generation request, it further includes:

[0074] based on the collection code generation request, generate an authorization request, and send the authorization request to a second terminal device of a second user; the authorization request is used to request the second user to authorize the joint collection code;

[0075] obtain an authorization response message returned by the second terminal device based on the authorization request, and determine, according to the authorization response message, whether the second user authorizes the generation of the joint collection code.

[0076] Since the joint collection code is shared by the first user and each second user, the consent of the second user is also required when the first user applies to generate the joint collection code, and the joint collection code is generated when the second user agrees, wherein the first user and the second user can be merchants located close to each other.

[0077] Based on this, in the present embodiment, the collection code generation system, before obtaining the first collection code generation information of the first user and the second collection code generation information of each second user based on the collection code generation request, also generates at least one authorization request based on the collection code generation request, the authorization request corresponds to each second user one by one, and sends the corresponding authorization request to the second terminal device of each second user. The authorization request is used to request the second user receiving the authorization request to authorize the joint collection code. It is worth mentioning that the authorization request can carry the user identifier of the first user and each second user, so that the second user receiving the authorization request knows the list of personnel of the joint collection, thereby judging whether to authorize the generation of the joint collection code.

[0078] In addition, the collection code generation system obtains the authorization response message returned by each second terminal device based on the authorization request, and for each authorization response message, determines, according to the authorization response message, whether the corresponding second user authorizes the generation of the joint collection code. For example, when the authorization response message includes an authorization instruction, it is determined that the corresponding second user authorizes the generation of the joint collection code, and when the authorization response message includes a refusal instruction, it is determined that the corresponding second user refuses to generate the joint collection code.

[0079] In the present embodiment, if it is determined that each second user authorizes the generation of the joint collection code, the first collection code generation information of the first user and the second collection code generation information of each second user are obtained based on the collection code generation request. If it is determined that any one of the second users refuses to generate the joint collection code, a notification message of joint collection code generation failure is returned to the first terminal device of the first user.

[0080] In one example, the number of the second users is one, the collection code generation system generates an authorization request based on the collection code generation request, sends the authorization request to a second terminal device of the second user, and obtains an authorization response message returned by the second terminal device based on the authorization request. If it is determined according to the authorization response message that the second user authorizes the generation of the joint collection code, the first collection code generation information of the first user and the second collection code generation information of the second user are obtained based on the collection code generation request. If it is determined according to the authorization response message that the second user refuses to generate the joint collection code, a notification message of joint collection code generation failure is returned to the first terminal device of the first user.

[0081] In one example, the number of the second users is one, the collection code generation system generates an authorization request based on the collection code generation request, sends the authorization request to a second terminal device of the second user, and obtains an authorization response message returned by the second terminal device based on the authorization request. If it is determined according to the authorization response message that the second user authorizes the generation of the joint collection code, the first collection code generation information of the first user and the second collection code generation information of the second user are obtained based on the collection code generation request. If it is determined according to the authorization response message that the second user refuses to generate the joint collection code, a notification message of joint collection code generation failure is returned to the first terminal device of the first user.

[0082] It can be seen that, through the embodiment, the joint collection code shared by the first user and the second user can be generated when the first user and each second user authorize, and the security of generating the joint collection code is improved.

[0083] In one embodiment, before generating the authorization request based on the collection code generation request, the following steps are further included:

[0084] The first user and the second user are regarded as to-be-evaluated users, and historical collection information of the to-be-evaluated users is obtained.

[0085] According to the historical collection information, it is determined that each to-be-evaluated user satisfies a joint collection condition.

[0086] Since the joint collection code is shared by the first user and each second user, before the authorization of the second user is applied, it is further evaluated whether the first user and the second user have the qualification of joint collection, that is, whether the first user and the second user satisfy the joint collection condition.

[0087] Based on this, in the embodiment, the collection code generation system takes the first user and each second user as a to-be-evaluated user, obtains historical collection information of each to-be-evaluated user, and determines whether each to-be-evaluated user meets the joint collection condition according to the historical collection information of each to-be-evaluated user. In the embodiment, if the collection code generation system determines that each to-be-evaluated user meets the joint collection condition, the collection code generation system generates an authorization request based on the collection code generation request, and if the collection code generation system determines that each to-be-evaluated user does not meet the joint collection condition, the collection code generation system returns a notification message of joint collection code generation failure to the first terminal device of the first user.

[0088] It can be seen that, through the embodiment, the joint collection code can be generated when the first user and the second user meet the joint collection condition, and the security of generating the joint authorization code is improved.

[0089] In one embodiment, according to the historical collection information, it is determined that each to-be-evaluated user meets the joint collection condition, comprising:

[0090] If it is determined according to the historical collection information that the historical collection positions of at least two to-be-evaluated users are located in the same geographical range, and / or if it is determined according to the historical collection information that the historical collection time intervals of at least two to-be-evaluated users are within a specified time range, it is determined that each to-be-evaluated user meets the joint collection condition.

[0091] In the embodiment, the historical collection information of each to-be-evaluated user is obtained, and the historical collection information includes historical collection time, historical collection position, and historical collection amount of the to-be-evaluated user and other collection-related information. Then, according to the historical collection information, it is determined whether the historical collection positions of at least two to-be-evaluated users are located in the same geographical range, for example, whether the historical collection positions of at least two to-be-evaluated users are located in the same mall. And according to the historical collection information, it is determined whether the historical collection time intervals of at least two to-be-evaluated users are within a specified time range, for example, whether the historical collection time intervals of at least two to-be-evaluated users are within ten minutes.

[0092] In one case, considering that the merchants for joint collection are usually shops in the same business circle or the same store, the joint collection condition includes that there are at least two historical collection locations of the to-be-evaluated users located in the same geographical range. If the collection code generation system determines that there are at least two historical collection locations of the to-be-evaluated users located in the same geographical range, it is determined that each to-be-evaluated user meets the joint collection condition. In another case, considering that the merchants for joint collection are usually merchants for continuous consumption of users, the joint collection condition includes that there are at least two historical collection time intervals of the to-be-evaluated users within a specified time range. If the collection code generation system determines that there are at least two historical collection time intervals of the to-be-evaluated users within a specified time range, it is determined that each to-be-evaluated user meets the joint collection condition.

[0093] In another case, in order to improve the security of the joint collection code, the joint collection condition includes that there are at least two historical collection locations of the to-be-evaluated users located in the same geographical range and at least two historical collection time intervals of the to-be-evaluated users within a specified time range. If the collection code generation system determines that there are at least two historical collection locations of the to-be-evaluated users located in the same geographical range and at least two historical collection time intervals of the to-be-evaluated users within a specified time range, it is determined that each to-be-evaluated user meets the joint collection condition.

[0094] It can be seen that, through the embodiment, whether each to-be-evaluated user meets the joint collection condition can be accurately determined according to historical collection information. In the case where each to-be-evaluated user meets the joint collection condition, a joint collection code is generated, and the security of the generated joint authorization code is improved.

[0095] According to the foregoing description, in the embodiment, after the collection code generation system receives the collection code generation request from the first terminal device of the first user through step S202, the first user and each second user are taken as to-be-evaluated users, the historical collection information of each to-be-evaluated user is obtained, if it is determined according to the historical collection information that there are at least two historical collection locations of the to-be-evaluated users located in the same geographical range, and / or if it is determined according to the historical collection information that there are at least two historical collection time intervals of the to-be-evaluated users within a specified time range, it is determined that each to-be-evaluated user meets the joint collection condition. If it is determined that each to-be-evaluated user meets the joint collection condition, an authorization request is generated based on the collection code generation request, the authorization request is sent to the second terminal device of each second user, and an authorization response message returned by the second terminal device based on the authorization request is received. If it is determined according to the authorization response message that each second user authorizes the generation of a joint collection code, step S204 is executed, and first collection code generation information of the first user and second collection code generation information of each second user are obtained based on the collection code generation request.

[0096] In an embodiment, based on the collection code generation request, an authorization request is generated, including:

[0097] Based on the collection code generation request, the first identification information of the first user, the second identification information of the second user, and the to-be-authorized information of the second user are obtained; the to-be-authorized information of the second user includes the second collection account indication information of the second user and / or the second collection amount indication information of the second user;

[0098] According to the first identification information, the second identification information, and the to-be-authorized information of the second user, an authorization request corresponding to the second user is generated.

[0099] In the embodiment, the collection code generation system obtains a collection code generation request, and the collection code generation request at least includes the first identification information of the first user and the second identification information of each second user, and can further include at least one of the first collection account indication information of the first user, the first collection amount indication information of the first user, the second collection account indication information of each second user, and the second collection amount indication information of each second user.

[0100] Then, the collection code generation system obtains the first identification information of the first user, the second identification information of each second user, and the to-be-authorized information of each second user based on the collection code generation request, and the to-be-authorized information of the second user includes the second collection account indication information of the second user and / or the second collection amount indication information of the second user. If the to-be-authorized information of the second user is carried in the collection code generation request, the collection code generation system extracts the to-be-authorized information of the second user from the collection code generation request; if the to-be-authorized information of the second user is not carried in the collection code generation request, the collection code generation system can obtain the to-be-authorized information of the second user pre-configured. The second user can pre-configure the second collection account indication information and / or the second collection amount indication information in the collection code generation system through the second terminal device.

[0101] Then, the collection code generation system generates an authorization request corresponding to the second user according to the first identification information, the second identification information, and the to-be-authorized information of the second user. The authorization request carries the first identification information, the second identification information, and the to-be-authorized information of the second user. In the embodiment, the authorization request corresponding to each second user is generated, and the authorization request carries the second identification information and the to-be-authorized information of the corresponding second user. The second user can authorize the second collection account indication information and / or the second collection amount indication information based on the to-be-authorized information.

[0102] In one example, the collection code generation request includes at least the first identification information of the first user and the second identification information of each second user, and can further include the first collection account indication information of the first user, the second collection account indication information of each second user. For each second user, the to-be-authorized information of the second user includes the second collection account indication information of the second user. Each second user authorizes the respective collection account based on the authorization request, so that the collection code generation system learns the collection account of the first user and the collection account of each second user, and then a static joint collection code can be generated, and the consumer inputs the collection amount of the first user and the collection amount of the second user when scanning the code for payment.

[0103] In another example, the collection code generation request includes at least the first identification information of the first user and the second identification information of each second user, and can further include the first collection account indication information of the first user, the first collection amount indication information of the first user, and the second collection amount indication information of each second user. For each second user, the to-be-authorized information of the second user includes the second collection amount indication information of the second user. Each second user authorizes the respective collection amount based on the authorization request, so that the collection code generation system learns the collection amount of the first user, the collection amount of each second user, and the collection account of the first user, and the collection code generation system can obtain the pre-configured collection account of each second user, and then a dynamic joint collection code can be generated, and the consumer does not need to input the collection amount of the first user and the second user when scanning the code for payment.

[0104] In another example, the collection code generation request includes at least the first identification information of the first user and the second identification information of each second user, and can further include the first collection account indication information of the first user, the first collection amount indication information of the first user, the second collection account indication information of each second user, and the second collection amount indication information of each second user. For each second user, the to-be-authorized information of the second user includes the second collection amount indication information and the second collection account indication information of the second user. Each second user authorizes the respective collection amount and collection account based on the authorization request, so that the collection code generation system learns the collection amount and the collection account of the first user, and learns the collection amount and the collection account of each second user, and then a dynamic joint collection code can be generated, and the consumer does not need to input the collection amount of the first user and the second user when scanning the code for payment.

[0105] In this embodiment, the first collection account indication information includes but is not limited to the identification information of the collection account of the first user, the first collection amount indication information includes but is not limited to the identification information of the collection amount of the first user, the second collection account indication information includes but is not limited to the identification information of the collection account of the second user, and the second collection amount indication information includes but is not limited to the identification information of the collection amount of the second user.

[0106] It can be seen that, by the embodiment, the first identification information of the first user, the second identification information of the second user, and the to-be-authorized information of the second user can be acquired based on the collection code generation request, and the authorization request corresponding to the second user can be generated according to the first identification information, the second identification information, and the to-be-authorized information of the second user, so as to facilitate the second user to authorize the to-be-authorized information based on the authorization request, and make the collection code generation system know the collection account and / or the collection amount of the second user.

[0107] In one embodiment, in the above process, in step S204, based on the collection code generation request, the first collection code generation information of the first user and the second collection code generation information of the second user are acquired, including:

[0108] based on the collection code generation request, the first identification information of the first user and the first collection account indication information of the first user are acquired, the first collection code generation information is generated based on the first identification information and the first collection account indication information, and the second identification information of the second user and the second collection account indication information of the second user are acquired, and the second collection code generation information is generated based on the second identification information and the second collection account indication information;

[0109] or,

[0110] based on the collection code generation request, the first identification information of the first user, the first collection account indication information of the first user, and the first collection amount indication information of the first user are acquired, the first collection code generation information is generated based on the first identification information, the first collection account indication information, and the first collection amount indication information, the second identification information of the second user, the second collection account indication information of the second user, and the second collection amount indication information of the second user are acquired, and the second collection code generation information is generated based on the second identification information, the second collection account indication information, and the second collection amount indication information.

[0111] In the embodiment, the collection code generation system acquires the collection code generation request, and the collection code generation request at least includes the first identification information of the first user and the second identification information of each second user, and can further include at least one of the first collection account indication information of the first user, the first collection amount indication information of the first user, the second collection account indication information of each second user, and the second collection amount indication information of each second user.

[0112] In one case, the joint collection code is a static collection code, and the consumer needs to input the collection amount of the first user and each second user when scanning the code for payment. In this case, based on the collection code generation request, the first identification information of the first user and the first collection account indication information of the first user are obtained, the first identification information and the first collection account indication information are taken as the first collection code generation information, and for each second user, the second identification information of the second user and the second collection account indication information of the second user are obtained, and the second identification information and the second collection account indication information are taken as the second collection code generation information. Among them, the collection code generation request can carry at least one of the first collection account indication information and the second collection account indication information, and the collection code generation system can also pre-store at least one of the first collection account indication information and the second collection account indication information.

[0113] In one case, the joint collection code is a dynamic collection code, and the consumer does not need to input the collection amount of the first user and the second user when scanning the code for payment. In this case, based on the collection code generation request, the first identification information of the first user, the first collection account indication information of the first user and the first collection amount indication information of the first user are obtained, the first identification information, the first collection account indication information and the first collection amount indication information are taken as the first collection code generation information, and for each second user, the second identification information of the second user, the second collection account indication information of the second user and the second collection amount indication information of the second user are obtained, and the second identification information, the second collection account indication information and the second collection amount indication information are taken as the second collection code generation information. Among them, the collection code generation request can carry at least one of the first collection account indication information, the second collection account indication information, the first collection amount indication information and the second collection amount indication information, and the collection code generation system can also pre-store at least one of the first collection account indication information, the second collection account indication information, the first collection amount indication information and the second collection amount indication information.

[0114] It can be seen that through the embodiment, different cases can be distinguished, different first collection code generation information and second collection code generation information are generated for static collection codes and dynamic collection codes respectively, so that static collection codes and dynamic collection codes are generated respectively, and the payment needs of consumers in different scenarios are met.

[0115] Then, in the flow of FIG. 1, step S206 is performed, the joint collection code is generated based on the first collection code generation information and the second collection code generation information, and the joint collection code is returned to the first terminal device for display.

[0116] In an embodiment, a barcode or a two-dimensional code carrying the first collection code generation information and the second collection code generation information is generated as a joint collection code, and the joint collection code is returned to the first terminal device for display. It can be understood that the joint collection code can be a static collection code, and can carry the first identification information of the first user, the first collection account indication information of the first user, the second identification information of each second user, and the second collection account indication information of each second user. Alternatively, the joint collection code can be a dynamic collection code, and can carry the first identification information of the first user, the first collection account indication information of the first user, the first collection amount indication information of the first user, the second identification information of each second user, the second collection account indication information of each second user, and the second collection amount indication information of each second user.

[0117] FIG. 3 is a flowchart of a collection code generation method provided by another embodiment of the present disclosure, which is executed by a collection code generation system. As shown in FIG. 3, the flowchart includes the following steps:

[0118] In step S302, a collection code generation request from a first terminal device of a first user is obtained. The collection code generation request is used to request generation of a joint collection code shared by the first user and at least one second user. The joint collection code is used to make a joint payment to the first user and the second user.

[0119] In step S304, the first user and each second user are regarded as an evaluation user, and historical collection information of each evaluation user is obtained.

[0120] In step S306, whether each evaluation user satisfies a joint collection condition is determined according to the historical collection information of each evaluation user.

[0121] In step S308, if each evaluation user satisfies the joint collection condition, an authorization request is generated based on the collection code generation request, and the authorization request is sent to a second terminal device of each second user.

[0122] In step S310, an authorization response message returned by each second terminal device based on the authorization request is received, and whether each second user authorizes generation of the joint collection code is determined according to the authorization response message.

[0123] In step S312, if each second user authorizes generation of the joint collection code, first collection code generation information of the first user and second collection code generation information of each second user are obtained based on the collection code generation request.

[0124] In step S314, the joint collection code is generated based on the first collection code generation information and the second collection code generation information of each second user, and the joint collection code is returned to the first terminal device for display.

[0125] If each of the to-be-evaluated users does not satisfy the joint collection condition, or if any one of the second users refuses to generate the joint collection code, a notification message of a failure in generating the joint collection code is returned to the first terminal device of the first user.

[0126] In summary, according to the embodiment, when payment is needed for multiple merchants, a joint collection code shared by the multiple merchants can be generated, and the joint collection code can be used to make a combined payment to the multiple merchants, thereby simplifying the payment process and improving the payment efficiency.

[0127] The method flow applied to the first terminal device of the first user is described below.

[0128] FIG. 4 is a flowchart of a collection code generation method according to another embodiment of the present disclosure, which is applied to a first terminal device and executed by the first terminal device. As shown in FIG. 4, the flow includes the following steps:

[0129] In step S402, first collection demand information of a first user and second collection demand information of at least one second user are obtained.

[0130] In step S404, a collection code generation request is generated according to the first collection demand information and the second collection demand information, and the collection code generation request is sent to a collection code generation system. The collection code generation request is used to request generation of a joint collection code shared by the first user and the second user. The joint collection code is used to make a combined payment to the first user and the second user.

[0131] In step S406, a joint collection code returned by the collection code generation system based on the collection code generation request is received, and the joint collection code is displayed.

[0132] In the embodiment, first, first collection demand information of a first user and second collection demand information of at least one second user are obtained. Then, a collection code generation request is generated according to the first collection demand information and the second collection demand information, and the collection code generation request is sent to a collection code generation system. The collection code generation request is used to request generation of a joint collection code shared by the first user and the second user. The joint collection code is used to make a combined payment to the first user and the second user. Finally, a joint collection code returned by the collection code generation system based on the collection code generation request is received, and the joint collection code is displayed. As can be seen, according to the embodiment, when payment is needed for multiple merchants, a joint collection code shared by the multiple merchants can be generated, and the joint collection code can be used to make a combined payment to the multiple merchants, thereby simplifying the payment process and improving the payment efficiency.

[0133] The method flow in FIG. 4 is described in detail below.

[0134] In the step S402, the first user's first payment demand information and the second user's second payment demand information are obtained. In an embodiment, the first user inputs the first user's first payment demand information and the second user's second payment demand information in the first terminal device, so that the first terminal device obtains the first user's first payment demand information and the second user's second payment demand information. The first payment demand information at least includes the first user's first identification information, and can further include at least one of the first user's first payment account indication information and the first user's first payment amount indication information. The second payment demand information at least includes the second user's second identification information, and can further include at least one of the second user's second payment account indication information and the second user's second payment amount indication information.

[0135] In the step S404, the first terminal device generates a payment code generation request according to the first payment demand information and the second payment demand information, and sends the payment code generation request to the payment code generation system. In an embodiment, the payment code generation request at least includes the first user's first identification information and the second user's second identification information, and can further include at least one of the first user's first payment account indication information, the first user's first payment amount indication information, the second user's second payment account indication information, and the second user's second payment amount indication information. The first identification information and the second identification information can be extracted from the first payment demand information and the second payment demand information. In an example, the payment code generation request carrying the first payment demand information and the second payment demand information can be generated, and the payment code generation request is sent to the payment code generation system.

[0136] The payment code generation system generates a joint payment code according to the flowcharts in FIG. 2 and FIG. 3. Based on this, in the step S406, the joint payment code returned by the payment code generation system based on the payment code generation request is received, and the joint payment code is displayed. The consumer can perform a payment operation by scanning the joint payment code, so as to make a combined payment to the first user and the second user.

[0137] In an embodiment, the joint payment code includes any one of a two-dimensional code and a bar code. The joint payment code carries the first user's first payment information and the second user's second payment information. The first payment information includes the first user's first identification information and the first user's first payment account indication information, or includes the first user's first identification information, the first user's first payment account indication information, and the first user's first payment amount indication information. The second payment information includes the second user's second identification information and the second user's second payment account indication information, or includes the second user's second identification information, the second user's second payment account indication information, and the second user's second payment amount indication information.

[0138] In this embodiment, the joint collection code carries the first collection information of the first user and the second collection information of each second user. When the joint collection code is a static collection code, the first collection information includes the first identification information of the first user and the first collection account indication information of the first user, and the second collection information includes the second identification information of the second user and the second collection account indication information of the second user. When the joint collection code is a dynamic collection code, the first collection information includes the first identification information of the first user, the first collection account indication information of the first user, and the first collection amount indication information of the first user, and the second collection information includes the second identification information of the second user, the second collection account indication information of the second user, and the second collection amount indication information of the second user.

[0139] The following describes a possible interaction process between the first terminal device and the collection code generation system when the joint collection code is a static collection code.

[0140] 1. The first terminal device obtains the first collection demand information of the first user and the second collection demand information of each second user input by the first user, and the first collection demand information includes the first identification information of the first user and the first collection account indication information of the first user, and the second collection demand information includes the second identification information of the second user and the second collection account indication information of the second user.

[0141] 2. The first terminal device generates a collection code generation request carrying the first collection demand information and the second collection demand information, and sends the collection code generation request to the collection code generation system. The collection code generation request is used to request to generate a joint collection code shared by the first user and each second user, and the joint collection code is used to make a combined payment to the first user and each second user.

[0142] 3. The collection code generation system receives the collection code generation request, takes the first user and each second user as an evaluated user, obtains the historical collection information of each evaluated user, and after determining that each evaluated user meets the joint collection condition according to the historical collection information, extracts the first identification information of the first user, the second identification information of each second user, and the second user's to-be-authorized information from the collection code generation request. The second user's to-be-authorized information includes the second collection account indication information of the second user. According to the first identification information, the second identification information, and the second user's to-be-authorized information, an authorization request corresponding to each second user is generated, and the corresponding authorization request is sent to the second terminal device of each second user. The authorization request is used to request the second user to authorize the joint collection code.

[0143] 4、The collection code generation request obtains the authorization response message returned by each second terminal device based on the authorization request, and after determining that each second user authorizes the generation of the joint collection code according to each authorization response message, extracts the first identification information of the first user and the first collection account indication information of the first user from the collection code generation request as the first collection code generation information of the first user, extracts the second identification information of the second user and the second collection account indication information of the second user as the second collection code generation information of the second user, generates a joint collection code carrying the first collection code generation information and the second collection code generation information, and returns the joint collection code to the first terminal device for display.

[0144] 5、The first terminal device displays the joint collection code.

[0145] The following introduces a possible interaction process between the first terminal device and the collection code generation system when the joint collection code is a dynamic collection code.

[0146] 1、The first terminal device obtains the first collection demand information of the first user and the second collection demand information of each second user input by the first user, the first collection demand information including the first identification information of the first user, the first collection account indication information of the first user, and the first collection amount indication information of the first user, and the second collection demand information including the second identification information of the second user, the second collection account indication information of the second user, and the second collection amount indication information of the second user.

[0147] 2、The first terminal device generates a collection code generation request carrying the first collection demand information and the second collection demand information, and sends the collection code generation request to the collection code generation system, the collection code generation request being used to request the generation of a joint collection code shared by the first user and each second user, and the joint collection code being used to make a combined payment to the first user and each second user.

[0148] 3、The collection code generation system receives the collection code generation request, takes the first user and each second user as an evaluated user, obtains the historical collection information of each evaluated user, and after determining that each evaluated user meets the joint collection condition according to the historical collection information, extracts the first identification information of the first user, the second identification information of each second user, and the second user's to-be-authorized information from the collection code generation request, the second user's to-be-authorized information including the second collection account indication information of the second user and the second collection amount indication information of the second user, generates an authorization request corresponding to each second user according to the first identification information, the second identification information, and the second user's to-be-authorized information, and sends the corresponding authorization request to the second terminal device of each second user, the authorization request being used to request the second user to authorize the joint collection code.

[0149] 4. The QR code generation request obtains the authorization response message returned by each second terminal device based on the authorization request. After determining that each second user is authorized to generate a joint QR code according to each authorization response message, the first user's first identifier information, the first user's first payment account indication information, and the first user's payment amount indication information are extracted from the QR code generation request as the first user's first QR code generation information. The second user's second identifier information, the second user's second payment account indication information, and the second user's payment amount indication information are extracted as the second user's second QR code generation information. A joint QR code carrying the first and second QR code generation information is generated and returned to the first terminal device for display.

[0150] 5. The first terminal device displays the joint payment code.

[0151] In the above embodiments, the information to be authorized includes the second user's second receiving account indication information and / or the second user's second receiving amount indication information. In other embodiments, the information to be authorized may include receiving account inquiry information and / or receiving amount inquiry information for the second user. The second user can, based on the information to be authorized, return an authorization instruction to the first terminal device, and also return the second receiving account indication information and / or the second user's second receiving amount indication information. The receiving account inquiry information and / or receiving amount inquiry information are used to inquire about the second user's receiving account and / or receiving amount. The second user can return corresponding indication information based on the receiving account inquiry information and / or receiving amount inquiry information. In this embodiment, the first terminal device can avoid directly knowing the second user's receiving account and / or receiving amount, thus improving the confidentiality of the second user's information. In this embodiment, the second receiving request information may only include the second identification information, without needing to include the second user's receiving amount and receiving account.

[0152] The authorization process for the second user's second terminal device is described below.

[0153] Figure 5 is a flowchart illustrating a payment code generation method according to another embodiment of this disclosure. This method is applied to and executed by a second terminal device. As shown in Figure 5, the process includes:

[0154] Step S502: Receive an authorization request from the payment code generation system; the authorization request is used to request the second user to authorize the joint payment code; the joint payment code is a payment code shared by the second user and the first user; the joint payment code is used to make combined payments to the first user and the second user;

[0155] In step S504, an authorization response message is generated based on the authorization request, and the authorization response message is returned to the collection code generation system; the authorization response message is used to indicate that the second user authorizes the generation of the joint collection code.

[0156] In this embodiment, first, an authorization request from the collection code generation system is received, the authorization request is used to request the second user to authorize the joint collection code, the joint collection code is a collection code shared by the second user and the first user, and the joint collection code is used to make a combined payment to the first user and the second user; then, an authorization response message is generated based on the authorization request, and the authorization response message is returned to the collection code generation system; the authorization response message is used to indicate that the second user authorizes the generation of the joint collection code. It can be seen that, through this embodiment, when a plurality of merchants need to be paid, a joint collection code shared by the plurality of merchants can be generated, and a combined payment is made to the plurality of merchants based on the joint collection code, so that the payment process is simplified and the payment efficiency is improved.

[0157] The method flow in FIG. 5 will be described in detail below.

[0158] The flow in FIG. 5 can be executed by each second terminal device. Here, an arbitrary second terminal device is taken as an example for description. In step S502, the second terminal device receives an authorization request from the collection code generation system. As described above, the authorization request can include first identification information of the first user, second identification information of each second user, and to-be-authorized information of the second user receiving the authorization request. In one case, the to-be-authorized information includes second collection account indication information of the second user receiving the authorization request and / or second collection amount indication information of the second user receiving the authorization request. In another case, the to-be-authorized information includes collection account inquiry information for the second user receiving the authorization request and / or collection amount inquiry information for the second user receiving the authorization request.

[0159] In step S504, the second terminal device generates an authorization response message based on the authorization request, and returns the authorization response message to the collection code generation system; the authorization response message is used to indicate that the second user authorizes the generation of the joint collection code.

[0160] In one embodiment, generating the authorization response message based on the authorization request includes:

[0161] Based on the authorization request, the first identification information of the first user, the second identification information of the second user, the authorization instruction of the second user, and the authorized information of the second user are obtained; the authorized information of the second user includes the second collection account indication information of the second user and / or the second collection amount indication information of the second user;

[0162] The authorization response message is generated according to the first identification information, the second identification information, the authorization instruction of the second user, and the authorized information of the second user.

[0163] In this embodiment, any one of the second terminal devices can obtain the first identification information of the first user, the second identification information of each second user, the authorization instruction of the second user and the authorized information of the second user based on the received authorization request. The first identification information of the first user and the second identification information of each second user can be extracted from the authorization request. By obtaining the first identification information of the first user and the second identification information of each second user, the second user receiving the authorization request can know the list of the joint collection personnel, so as to determine whether to authorize the generation of the joint collection code. The authorization instruction of the second user can be obtained based on the user operation of the second user. The authorized information of the second user includes the second collection account indication information of the second user and / or the second collection amount indication information of the second user, and the authorized information of the second user is used to represent the information used by the second user to authorize the generation of the collection code.

[0164] It can be understood that, in the case that the second collection account indication information of the second user and / or the second collection amount indication information of the second user are included in the to-be-authorized information, the authorized information of the second user includes the second collection account indication information of the second user and / or the second collection amount indication information of the second user, to represent the confirmation of the to-be-authorized information. In the case that the to-be-authorized information includes the collection account inquiry information for the second user and / or the collection amount inquiry information for the second user, the authorized information of the second user includes the second collection account indication information of the second user and / or the second collection amount indication information of the second user, to represent the answer to the to-be-authorized information.

[0165] Then, the second terminal device generates an authorization response message carrying the first identification information, the second identification information, the authorization instruction of the second user and the authorized information of the second user, and returns the authorization response message to the collection code generation system, so that the collection code generation system continues to generate the joint collection code.

[0166] It can be seen that, through this embodiment, the second terminal device can authorize the second collection account and / or the second collection amount to the collection code generation system, so as to facilitate the collection code generation system to generate the joint collection code.

[0167] In this embodiment, the second terminal device can also generate an authorization response message containing a refusal authorization instruction and return it to the collection code generation system.

[0168] The authorization process of the third terminal device of the third user will be introduced below.

[0169] FIG. 6 is a flowchart of a payment method provided by an embodiment of the present disclosure, and the method flow is applied to the third terminal device and executed by the third terminal device. As shown in FIG. 6, the flow includes:

[0170] In step S602, the joint collection code is parsed to obtain joint collection information; the joint collection code is a collection code shared by the first user and at least one second user; the joint collection code is used for combined payment to the first user and the second user; and the joint collection information includes first collection information of the first user and second collection information of the second user.

[0171] In step S604, a payment request is generated based on the first collection information and the second collection information, and the payment request is sent to a payment system; the payment request is used to request combined payment to the first user and the second user based on the first collection information and the second collection information.

[0172] In this embodiment, first, the joint collection code is parsed to obtain joint collection information, the joint collection code is a collection code shared by the first user and at least one second user, the joint collection code is used for combined payment to the first user and the second user, and the joint collection information includes first collection information of the first user and second collection information of the second user. Then, a payment request is generated based on the first collection information and the second collection information, and the payment request is sent to a payment system; the payment request is used to request combined payment to the first user and the second user based on the first collection information and the second collection information. As can be seen, when multiple merchants need to be paid, a joint collection code shared by multiple merchants can be generated to make combined payment to multiple merchants based on the joint collection code, thereby simplifying the payment process and improving payment efficiency.

[0173] The method flow in FIG. 6 will be described in detail below.

[0174] In step S602, the third terminal device as the terminal device of the consumer can scan the joint collection code displayed by the first terminal device and parse the joint collection code to obtain joint collection information. The joint collection information includes first collection information of the first user and second collection information of the second user. In this embodiment, after obtaining the joint collection information, all or part of the contents of the joint collection information can be displayed. For example, the joint collection code is scanned through a payment application program, a payment page is entered, and the joint collection information is displayed on the payment page. When the first collection information in the joint collection information includes first identification information of the first user, first collection amount indication information, and first collection account indication information, and the second collection information includes second identification information of the second user, second collection amount indication information, and second collection account indication information, the first identification information, the first collection amount indication information, the second identification information, and the second collection amount indication information in the joint collection information can be displayed.

[0175] In step S604, the third terminal device generates a payment request based on the first and second collection information, and sends the payment request to the payment system, so as to request the payment system to make a combined payment to the first and second users based on the first and second collection information.

[0176] In one embodiment, the third terminal device generates the payment request based on the first and second collection information, including:

[0177] If the first collection information includes the first identification information, the first collection account indication information and the first collection amount indication information of the first user, and the second collection information includes the second identification information, the second collection account indication information and the second collection amount indication information of the second user, the payment request carrying the first and second collection information is generated. In this case, the joint collection code is a dynamic collection code.

[0178] In this embodiment, in the case of the joint collection code being a dynamic collection code, the payment request carrying the first and second collection information can be generated.

[0179] In one embodiment, the first collection information includes the first identification information of the first user and the first collection account indication information of the first user; the second collection information includes the second identification information of the second user and the second collection account indication information of the second user, and the payment request is generated based on the first and second collection information, including:

[0180] In response to the first and second collection information, the payment amount information is prompted to be input; the payment amount information includes the first collection amount indication information of the first user and / or the second collection amount indication information of the second user.

[0181] The payment request is generated according to the first and second collection information and the input payment amount information.

[0182] In this embodiment, the joint collection code is a static collection code, and the third terminal device can prompt the third user to input the payment amount information in response to the first and second collection information, the payment amount information including at least one of the first collection amount indication information of the first user and the second collection amount indication information of the second user. Of course, the payment amount information can also include the first collection amount indication information of the first user and the second collection amount indication information of the second user. The collection amount indication information can be a specific amount of the collection amount.

[0183] Then, the third terminal device generates a payment request carrying the first and second collection information and the payment amount information input by the user.

[0184] It can be seen that the payment amount can be input by the consumer to meet the consumer's demand for consolidated payment.

[0185] In one embodiment, based on the first collection information and the second collection information, a payment request is generated, including:

[0186] In response to the first collection information and the second collection information, payment discount information is prompted to be input; the payment discount information is used by the payment system to give a discount on the first amount paid to the first user and the second amount paid to the second user;

[0187] According to the first collection information, the second collection information, and the input payment discount information, a payment request is generated.

[0188] In this embodiment, the third terminal device can prompt the user to input payment discount information in response to the first collection information and the second collection information, for example, prompt the user to check the full-reduction coupon, and then generate a payment request carrying the first collection information, the second collection information, and the payment discount information.

[0189] Through this embodiment, when the consumer pays each merchant separately, the coupon may not be used, but if the payment is consolidated for multiple merchants, the consumer can choose to use the coupon, so that the payment system gives a discount on the first amount paid to the first user and the second amount paid to the second user according to the user's input discount information.

[0190] In this embodiment, the payment system can receive a payment request, extract the first amount to be paid to the first user and the second amount to be paid to each second user from the payment request, and based on a payment operation of the user, based on the first amount and the second amount, consolidate payment to the first user and each second user.

[0191] When the user inputs the payment discount information, the payment system can receive a payment request, extract the first amount to be paid to the first user and the second amount to be paid to each second user from the payment request, and according to the payment discount information, determine the discounted first amount and the discounted second amount, based on a payment operation of the user, based on the discounted first amount and the discounted second amount, consolidate payment to the first user and each second user. The first amount is determined based on the first collection amount indication information, and the second amount is determined based on the second collection amount indication information.

[0192] FIG. 7 is an interaction flowchart of the first terminal device, the collection code generation system, and any one second terminal device according to an embodiment of the present disclosure. As shown in FIG. 7, the flowchart includes:

[0193] Step S702, the first terminal device acquires the first user's first user input first user's first payment demand information and each second user's second payment demand information, the first payment demand information includes the first user's first identification information, the first user's first payment account indication information, the second payment demand information includes the second user's second identification information;

[0194] Step S704, the first terminal device generates a payment code generation request carrying the first payment demand information and the second payment demand information, and sends the payment code generation request to the payment code generation system;

[0195] Step S706, the payment code generation system receives the payment code generation request, and determines that the first user and each second user meet the joint payment condition based on the payment code generation request;

[0196] Step S708, the payment code generation system generates an authorization request and sends it to the second terminal device, the authorization request including the first identification information, each second identification information, and the second user's payment account inquiry information;

[0197] Step S710, the second terminal device receives the authorization request, and returns an authorization response message to the payment code generation system, the authorization response message including the first identification information, each second identification information, the second user's authorization instruction and the second user's second payment account indication information;

[0198] Step S712, the payment code generation system receives the authorization response message, acquires the first payment code generation information and the second payment code generation information, the first payment code generation information including the first user's first identification information and the first payment account indication information, and the second payment code generation information including the second user's second identification information and the second payment account indication information;

[0199] Step S714, the payment code generation system generates a joint payment code carrying the first payment code generation information and the second payment code generation information, and returns the joint payment code to the first terminal device;

[0200] Step S716, the first terminal device displays the joint payment code.

[0201] FIG. 8 is an interaction flowchart of a first terminal device, a third terminal device and a payment system according to an embodiment of the present disclosure.

[0202] As shown in FIG. 8, the flowchart includes:

[0203] Step S802, the first terminal device displays a joint payment code.

[0204] In step S804, the third terminal device scans the joint collection code to obtain the first collection information and the second collection information, and displays a payment amount input interface; the first collection information includes first identification information and first collection account indication information, and the second collection information includes second identification information and second collection account indication information.

[0205] In step S806, the third terminal device acquires the first collection amount indication information of the first user and the second collection amount indication information of each second user input by the consumer, and acquires the payment discount information checked by the consumer.

[0206] In step S808, the third terminal device generates a payment request and sends it to the payment system in response to a payment operation; the payment request carries the first collection information, the second collection information, the first collection amount indication information, the second collection amount indication information, and the payment discount information.

[0207] In step S810, the payment system determines the first amount according to the first collection amount indication information in the payment request, determines the second amount according to the second collection amount indication information, and determines the discounted first amount and the discounted second amount according to the payment discount information.

[0208] In step S812, the payment system performs a combined payment to the first user and the second user according to the discounted first amount and the discounted second amount.

[0209] Of course, FIG. 7 and FIG. 8 are only illustrative examples, and based on the examples of FIG. 7 and FIG. 8, a dynamic joint collection code scheme can also be obtained, which is not repeated here.

[0210] In the above embodiments, the combined payment refers to a payment operation of a user, which can be used to perform a payment to multiple users; the payment system can perform a parallel or serial payment to multiple users based on the payment operation of the user according to the internal payment process.

[0211] Through the above embodiments, when a payment to multiple merchants is required, a joint collection code shared by multiple merchants can be generated, and a combined payment to the multiple merchants can be performed based on the joint collection code, thereby simplifying the payment process and improving the payment efficiency.

[0212] FIG. 9 is a structural schematic diagram of a collection code generation device provided by an embodiment of the present disclosure, as shown in FIG. 9, the device includes:

[0213] The request acquisition unit 91 is configured to acquire a collection code generation request from a first terminal device of a first user; the collection code generation request is used to request to generate a joint collection code shared by the first user and at least one second user; the joint collection code is used to perform a combined payment to the first user and the second user.

[0214] The information acquisition unit 92 is configured to acquire first collection code generation information of the first user and second collection code generation information of the second user based on the collection code generation request.

[0215] The collection code generation unit 93 is configured to generate the joint collection code based on the first collection code generation information and the second collection code generation information, and return the joint collection code to the first terminal device for display.

[0216] Optionally, the system further comprises an authorization determination unit configured to, before the acquisition of the first collection code generation information of the first user and the second collection code generation information of the second user based on the collection code generation request, generate an authorization request based on the collection code generation request, and send the authorization request to a second terminal device of the second user; the authorization request is used to request the second user to authorize the joint collection code; and acquire an authorization response message returned by the second terminal device based on the authorization request, and determine, according to the authorization response message, that the second user authorizes the generation of the joint collection code.

[0217] Optionally, the system further comprises a condition determination unit configured to, before the generation of the authorization request based on the collection code generation request, acquire historical collection information of the first user and the second user as to-be-evaluated users, and determine, according to the historical collection information, that each of the to-be-evaluated users meets a joint collection condition.

[0218] Optionally, the condition determination unit is specifically configured to: if it is determined according to the historical collection information that historical collection locations of at least two of the to-be-evaluated users are located within a same geographical range, and / or if it is determined according to the historical collection information that historical collection time intervals of at least two of the to-be-evaluated users are within a specified time range, then it is determined that each of the to-be-evaluated users meets the joint collection condition.

[0219] Optionally, the authorization determination unit is specifically configured to: acquire first identification information of the first user, second identification information of the second user, and to-be-authorized information of the second user based on the collection code generation request; the to-be-authorized information of the second user includes second collection account indication information of the second user and / or second collection amount indication information of the second user; and generate the authorization request corresponding to the second user according to the first identification information, the second identification information, and the to-be-authorized information of the second user.

[0220] Optionally, the information obtaining unit 92 is specifically configured to: obtain first identification information of the first user and first payment account indication information of the first user based on the payment code generation request, generate the first payment code generation information based on the first identification information and the first payment account indication information, and obtain second identification information of the second user and second payment account indication information of the second user, and generate the second payment code generation information based on the second identification information and the second payment account indication information; or, obtain first identification information of the first user, first payment account indication information of the first user, and first payment amount indication information of the first user based on the payment code generation request, generate the first payment code generation information based on the first identification information, the first payment account indication information, and the first payment amount indication information, obtain second identification information of the second user, second payment account indication information of the second user, and second payment amount indication information of the second user, and generate the second payment code generation information based on the second identification information, the second payment account indication information, and the second payment amount indication information.

[0221] The payment code generation apparatus in the embodiments of the present disclosure can implement each process of the payment code generation method embodiments applied to the payment code generation system, and achieve the same effects and functions, which are not repeated here.

[0222] FIG. 10 is a structural schematic diagram of a payment code generation apparatus provided by another embodiment of the present disclosure, as shown in FIG. 10, the apparatus includes:

[0223] A demand obtaining unit 1001 is configured to obtain first payment demand information of a first user and second payment demand information of at least one second user.

[0224] A request generating unit 1002 is configured to generate a payment code generation request according to the first payment demand information and the second payment demand information, and send the payment code generation request to a payment code generation system; the payment code generation request is used to request to generate a joint payment code shared by the first user and the second user; the joint payment code is used to perform a combined payment to the first user and the second user.

[0225] A content display unit 1003 is configured to receive the joint payment code returned by the payment code generation system based on the payment code generation request, and display the joint payment code.

[0226] Optionally, the joint collection code comprises any one of a two-dimensional code and a bar code; the joint collection code carries first collection information of the first user and second collection information of the second user; the first collection information comprises first identification information of the first user and first collection account indication information of the first user, or comprises the first identification information of the first user, the first collection account indication information of the first user, and first collection amount indication information of the first user; the second collection information comprises second identification information of the second user and second collection account indication information of the second user, or comprises the second identification information of the second user, the second collection account indication information of the second user, and second collection amount indication information of the second user.

[0227] The collection code generation apparatus in the embodiments of the present disclosure can implement each process of the above-mentioned collection code generation method embodiment applied to the first terminal device and achieve the same effects and functions, which are not repeated here.

[0228] FIG. 11 is a structural schematic diagram of a collection code generation apparatus provided by another embodiment of the present disclosure. As shown in FIG. 1, the apparatus comprises:

[0229] An authorization receiving unit 1101 is configured to receive an authorization request from a collection code generation system; the authorization request is used to request the second user to authorize a joint collection code; the joint collection code is a collection code shared by the second user and a first user; and the joint collection code is used to make a combined payment to the first user and the second user.

[0230] An authorization response unit 1102 is configured to generate an authorization response message based on the authorization request, and return the authorization response message to the collection code generation system; the authorization response message is used to indicate that the second user authorizes to generate the joint collection code.

[0231] Optionally, the authorization response unit is specifically configured to: based on the authorization request, acquire first identification information of the first user, second identification information of the second user, an authorization instruction of the second user, and authorized information of the second user; the authorized information of the second user comprises second collection account indication information of the second user and / or second collection amount indication information of the second user; and generate an authorization response message according to the first identification information, the second identification information, the authorization instruction of the second user, and the authorized information of the second user.

[0232] The collection code generation apparatus in the embodiments of the present disclosure can implement each process of the above-mentioned collection code generation method embodiment applied to the second terminal device and achieve the same effects and functions, which are not repeated here.

[0233] FIG. 12 is a structural schematic diagram of a payment device provided by an embodiment of the present disclosure, as shown in FIG. 12, the device comprises:

[0234] The parsing unit 1201 is configured to parse a joint collection code to obtain joint collection information; the joint collection code is a collection code shared by the first user and at least one second user; the joint collection code is used for making a combined payment to the first user and the second user; and the joint collection information comprises first collection information of the first user and second collection information of the second user.

[0235] The payment unit 1202 is configured to generate a payment request based on the first collection information and the second collection information, and send the payment request to a payment system; the payment request is used for requesting to make a combined payment to the first user and the second user based on the first collection information and the second collection information.

[0236] Optionally, the first collection information comprises first identification information of the first user and first collection account indication information of the first user; the second collection information comprises second identification information of the second user and second collection account indication information of the second user; and the payment unit is specifically configured to: in response to the first collection information and the second collection information, prompt input of payment amount information; the payment amount information comprises first collection amount indication information of the first user and / or second collection amount indication information of the second user; and generate a payment request according to the first collection information, the second collection information and the input payment amount information.

[0237] Optionally, the payment unit is specifically configured to: in response to the first collection information and the second collection information, prompt input of payment preference information; the payment preference information is used for the payment system to prefer a first amount paid to the first user and a second amount paid to the second user; and generate a payment request according to the first collection information, the second collection information and the input payment preference information.

[0238] The payment device in the embodiment of the present disclosure can implement each process of the payment method embodiment applied to the third terminal device described above, and achieve the same effects and functions, which will not be repeated here.

[0239] An embodiment of the present disclosure further provides an electronic device. FIG. 13 is a structural schematic diagram of an electronic device according to an embodiment of the present disclosure. As shown in FIG. 13, the electronic device can have great differences due to different configurations or performances, and can include one or more processors 1301 and memories 1302. The memories 1302 can store one or more application programs or data. The memories 1302 can be temporary memories or persistent memories. The application programs stored in the memories 1302 can include one or more modules (not shown in the figure), and each module can include a series of computer-executable instructions in the electronic device. Further, the processor 1301 can be configured to communicate with the memories 1302 and execute the series of computer-executable instructions in the memories 1302. The electronic device can further include one or more power supplies 1303, one or more wired or wireless network interfaces 1304, one or more input or output interfaces 1305, one or more keyboards 1306, and the like.

[0240] In one specific embodiment, the electronic device includes a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to implement the following processes:

[0241] obtaining a collection code generation request from a first terminal device of a first user; the collection code generation request is used to request to generate a joint collection code shared by the first user and at least one second user; the joint collection code is used to make a combined payment to the first user and the second user;

[0242] based on the collection code generation request, obtaining first collection code generation information of the first user and second collection code generation information of the second user;

[0243] based on the first collection code generation information and the second collection code generation information, generating the joint collection code, and returning the joint collection code to the first terminal device for display.

[0244] The electronic device in the embodiment of the present disclosure can implement each process of the above-mentioned collection code generation method for a collection code generation system, and achieve the same effects and functions, which are not repeated here.

[0245] In one specific embodiment, the electronic device includes a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to implement the following processes:

[0246] obtaining first collection demand information of a first user and second collection demand information of at least one second user;

[0247] According to the first payment demand information and the second payment demand information, a payment code generation request is generated, and the payment code generation request is sent to a payment code generation system; the payment code generation request is used to request to generate a joint payment code shared by the first user and the second user; and the joint payment code is used to make a combined payment to the first user and the second user.

[0248] The joint payment code returned by the payment code generation system based on the payment code generation request is received, and the joint payment code is displayed.

[0249] The electronic device in the embodiments of the present disclosure can implement each process of the above-mentioned payment code generation method embodiment applied to the first terminal device, and achieve the same effects and functions, which will not be repeated here.

[0250] In one specific embodiment, the electronic device includes a processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to implement the following processes:

[0251] An authorization request is received from a payment code generation system; the authorization request is used to request the second user to authorize the joint payment code; the joint payment code is a payment code shared by the second user and the first user; and the joint payment code is used to make a combined payment to the first user and the second user.

[0252] Based on the authorization request, an authorization response message is generated, and the authorization response message is returned to the payment code generation system; the authorization response message is used to indicate that the second user authorizes to generate the joint payment code.

[0253] The electronic device in the embodiments of the present disclosure can implement each process of the above-mentioned payment code generation method embodiment applied to the second terminal device, and achieve the same effects and functions, which will not be repeated here.

[0254] In one specific embodiment, the electronic device includes a processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to implement the following processes:

[0255] A joint payment code is parsed to obtain joint payment information; the joint payment code is a payment code shared by the first user and at least one second user; the joint payment code is used to make a combined payment to the first user and the second user; and the joint payment information includes first payment information of the first user and second payment information of the second user.

[0256] generate a payment request based on the first payment information and the second payment information, and send the payment request to a payment system; the payment request is used to request a combined payment to the first user and the second user based on the first payment information and the second payment information.

[0257] The electronic device in the embodiments of the present disclosure can implement each process of the payment method embodiment applied to the third terminal device as described above, and achieve the same effects and functions, which will not be repeated here.

[0258] Another embodiment of the present disclosure further provides a computer readable storage medium for storing computer executable instructions, which, when executed by a processor, implement the following processes:

[0259] obtain a payment code generation request from a first terminal device of a first user; the payment code generation request is used to request generation of a joint payment code shared by the first user and at least one second user; the joint payment code is used for a combined payment to the first user and the second user;

[0260] obtain first payment code generation information of the first user and second payment code generation information of the second user based on the payment code generation request;

[0261] generate the joint payment code based on the first payment code generation information and the second payment code generation information, and return the joint payment code to the first terminal device for display.

[0262] The computer readable storage medium in the embodiments of the present disclosure can implement each process of the payment code generation method embodiment applied to the payment code generation system as described above, and achieve the same effects and functions, which will not be repeated here.

[0263] Another embodiment of the present disclosure further provides a computer readable storage medium for storing computer executable instructions, which, when executed by a processor, implement the following processes:

[0264] obtain first payment demand information of a first user and second payment demand information of at least one second user;

[0265] generate a payment code generation request based on the first payment demand information and the second payment demand information, and send the payment code generation request to a payment code generation system; the payment code generation request is used to request generation of a joint payment code shared by the first user and the second user; the joint payment code is used for a combined payment to the first user and the second user;

[0266] receiving the joint collection code returned by the collection code generation system based on the collection code generation request, and displaying the joint collection code.

[0267] The computer readable storage medium in the embodiments of the present disclosure can implement each process of the collection code generation method embodiment applied to the first terminal device as described above, and achieve the same effects and functions, which will not be repeated here.

[0268] Another embodiment of the present disclosure further provides a computer readable storage medium for storing computer executable instructions, which, when executed by a processor, implement the following processes:

[0269] receiving an authorization request from the collection code generation system; the authorization request is used to request the second user to authorize the joint collection code; the joint collection code is a collection code shared by the second user and the first user; and the joint collection code is used to make a combined payment to the first user and the second user;

[0270] based on the authorization request, generating an authorization response message, and returning the authorization response message to the collection code generation system; the authorization response message is used to indicate that the second user authorizes the generation of the joint collection code.

[0271] The computer readable storage medium in the embodiments of the present disclosure can implement each process of the collection code generation method embodiment applied to the second terminal device as described above, and achieve the same effects and functions, which will not be repeated here.

[0272] Another embodiment of the present disclosure further provides a computer readable storage medium for storing computer executable instructions, which, when executed by a processor, implement the following processes:

[0273] parsing a joint collection code to obtain joint collection information; the joint collection code is a collection code shared by the first user and at least one second user; the joint collection code is used to make a combined payment to the first user and the second user; and the joint collection information includes first collection information of the first user and second collection information of the second user;

[0274] based on the first collection information and the second collection information, generating a payment request, and sending the payment request to a payment system; the payment request is used to request a combined payment to the first user and the second user based on the first collection information and the second collection information.

[0275] The computer readable storage medium in the embodiments of the present disclosure can implement each process of the payment method embodiments applied to the third terminal device described above, and achieve the same effects and functions, which will not be repeated here.

[0276] Another embodiment of the present disclosure further provides a computer program product, which comprises a computer program, and the computer program implements the following processes when executed by a processor:

[0277] obtaining a collection code generation request from a first terminal device of a first user; the collection code generation request is used to request to generate a joint collection code shared by the first user and at least one second user; and the joint collection code is used to make a combined payment to the first user and the second user;

[0278] based on the collection code generation request, obtaining first collection code generation information of the first user and second collection code generation information of the second user;

[0279] based on the first collection code generation information and the second collection code generation information, generating the joint collection code, and returning the joint collection code to the first terminal device for display.

[0280] The computer program product in the embodiments of the present disclosure can implement each process of the collection code generation method embodiments applied to the collection code generation system described above, and achieve the same effects and functions, which will not be repeated here.

[0281] Another embodiment of the present disclosure further provides a computer program product, which comprises a computer program, and the computer program implements the following processes when executed by a processor:

[0282] obtaining first collection demand information of a first user and second collection demand information of at least one second user;

[0283] generating a collection code generation request according to the first collection demand information and the second collection demand information, and sending the collection code generation request to a collection code generation system; the collection code generation request is used to request to generate a joint collection code shared by the first user and the second user; and the joint collection code is used to make a combined payment to the first user and the second user;

[0284] receiving the joint collection code returned by the collection code generation system based on the collection code generation request, and displaying the joint collection code.

[0285] The computer program product in the embodiments of the present disclosure can implement each process of the collection code generation method embodiments applied to the first terminal device described above, and achieve the same effects and functions, which will not be repeated here.

[0286] Another embodiment of the present disclosure further provides a computer program product, which comprises a computer program, and the computer program implements the following processes when executed by a processor:

[0287] receiving an authorization request from a collection code generation system; the authorization request is used to request a second user to authorize a joint collection code; the joint collection code is a collection code shared by the second user and a first user; and the joint collection code is used to make a combined payment to the first user and the second user;

[0288] generating an authorization response message based on the authorization request, and returning the authorization response message to the collection code generation system; the authorization response message is used to indicate that the second user authorizes to generate the joint collection code.

[0289] The computer program product in the embodiments of the present disclosure can implement each process of the above-mentioned collection code generation method applied to the second terminal device, and achieve the same effects and functions, which will not be repeated here.

[0290] Another embodiment of the present disclosure further provides a computer program product, which comprises a computer program, and the computer program implements the following processes when executed by a processor:

[0291] parsing a joint collection code to obtain joint collection information; the joint collection code is a collection code shared by the first user and at least one second user; the joint collection code is used to make a combined payment to the first user and the second user; and the joint collection information comprises first collection information of the first user and second collection information of the second user;

[0292] generating a payment request based on the first collection information and the second collection information, and sending the payment request to a payment system; the payment request is used to request to make a combined payment to the first user and the second user based on the first collection information and the second collection information.

[0293] The computer program product in the embodiments of the present disclosure can implement each process of the above-mentioned payment method applied to the third terminal device, and achieve the same effects and functions, which will not be repeated here.

[0294] In various embodiments of the present disclosure, the computer readable storage medium comprises a read-only memory (ROM), a random access memory (RAM), a magnetic disc or an optical disc, etc.

[0295] In the 1990s, it was quite obvious to distinguish whether an improvement in a technology was in hardware (e.g., improvement in circuit structures of diodes, transistors, switches, etc.) or in software (improvement in method flow). However, as technology has evolved, many improvements in method flow today can be considered as direct improvements in hardware circuit structures. Designers almost always obtain the corresponding hardware circuit structures by programming the improved method flow into hardware circuits. Therefore, it cannot be said that an improvement in a method flow cannot be implemented by hardware entity modules. For example, a programmable logic device (PLD) (e.g., a field programmable gate array (FPGA)) is an integrated circuit whose logic function is determined by user programming of the device. A digital system is "integrated" on a PLD by the designer programming it, rather than by asking a chip manufacturer to design and fabricate a custom integrated circuit chip. Moreover, instead of manually fabricating integrated circuit chips, this programming is now mostly implemented by "logic compiler" software, which is similar to software compilers used in program development, and the original code to be compiled is written in a specific programming language, which is called a hardware description language (HDL), and there are many such languages, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., and the most commonly used are VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should be aware that, as long as the method flow is logically programmed in the above-mentioned hardware description languages and programmed into an integrated circuit, a hardware circuit implementing the logical method flow can be easily obtained.

[0296] The controller can be implemented in any suitable way, for example, the controller can take the form of a microprocessor or processor and a computer readable medium storing computer readable program code, such as software or firmware, executable by the (micro)processor, logic gates, switches, an application specific integrated circuit (ASIC), a programmable logic controller and an embedded microcontroller, examples of which include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320, the memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also know that, in addition to implementing the controller purely in computer readable program code, it is possible to implement the controller to perform the same functions in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers and embedded microcontrollers, etc. by logically programming the method steps. Such a controller can therefore be considered to be a hardware component, and the means included therein for performing various functions can also be considered to be structures within the hardware component. Alternatively, the means for performing various functions can even be considered to be both a software module implementing the method and a structure within the hardware component.

[0297] The systems, apparatuses, modules or units illustrated by the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer can be a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0298] For the sake of brevity, the above apparatuses are described in functional form in various units. Of course, the functions of each unit can be implemented in either software and / or hardware in the same or more software and / or hardware when implementing the embodiments of the present disclosure.

[0299] Those skilled in the art should understand that one or more embodiments of the present disclosure can be provided as a method, a system or a computer program product. Therefore, one or more embodiments of the present disclosure can take the form of a complete hardware embodiment, a complete software embodiment or an embodiment combining software and hardware aspects. Moreover, one or more embodiments of the present disclosure can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0300] The computer program instructions can also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart block or blocks.

[0301] These computer program instructions can also be stored in a computer- readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instructions which implement the function specified in the flowchart block or blocks.

[0302] These computer program instructions can also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart block or blocks.

[0303] It is also noted that the aforementioned embodiments can be implemented by hardware that does not necessarily have software, such as in an application specific integrated circuit.

[0304] One or more embodiments of the disclosure can be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the disclosure can also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules can be located in both local and remote computer storage media including memory storage devices.

[0305] The various embodiments in the present disclosure are described in a progressive manner, and the same or similar parts among the various embodiments can be referred to each other. Each embodiment focuses on the difference from other embodiments. In particular, the system embodiments are described simply because they are basically similar to the method embodiments, and the relevant parts can be referred to the description of the method embodiments.

[0306] The above only describes the embodiments of the present disclosure and is not intended to limit the present disclosure. The present disclosure can have various modifications and changes for those skilled in the art. Any modification, equivalent replacement, improvement, etc. within the spirit and principle of the present disclosure shall be included in the scope of the claims of the present disclosure.

Claims

1. A method of generating a payment code, wherein, The method comprises: obtaining a collection code generation request from a first terminal device of a first user; the collection code generation request is used to request generation of a joint collection code shared by the first user and at least one second user; the joint collection code is used to make a combined payment to the first user and the second user; based on the collection code generation request, obtaining first collection code generation information of the first user and second collection code generation information of the second user; based on the first collection code generation information and the second collection code generation information, generating the joint collection code and returning the joint collection code to the first terminal device for display.

2. The method of claim 1, wherein, Before the step of obtaining the first collection code generation information of the first user and the second collection code generation information of the second user based on the collection code generation request, the method further comprises: based on the collection code generation request, generating an authorization request and sending the authorization request to a second terminal device of the second user; the authorization request is used to request the second user to authorize the joint collection code; obtaining an authorization response message returned by the second terminal device based on the authorization request, and determining, according to the authorization response message, that the second user authorizes the generation of the joint collection code.

3. The method of claim 2, wherein, Before the step of generating an authorization request based on the collection code generation request, the method further comprises: taking the first user and the second user as to-be-evaluated users, and obtaining historical collection information of the to-be-evaluated users; determining, according to the historical collection information, that each of the to-be-evaluated users meets a joint collection condition.

4. The method of claim 3, wherein, The step of determining, according to the historical collection information, that each of the to-be-evaluated users meets a joint collection condition comprises: if it is determined according to the historical collection information that there are at least two historical collection locations of the to-be-evaluated users within the same geographical range, and / or if it is determined according to the historical collection information that there are at least two historical collection time intervals of the to-be-evaluated users within a specified time range, then it is determined that each of the to-be-evaluated users meets the joint collection condition.

5. The method according to any one of claims 2-4, wherein, The step of generating an authorization request based on the collection code generation request comprises: based on the collection code generation request, obtaining first identification information of the first user, second identification information of the second user, and to-be-authorized information of the second user; the to-be-authorized information of the second user comprises second collection account indication information of the second user and / or second collection amount indication information of the second user; generating an authorization request corresponding to the second user according to the first identification information, the second identification information, and the to-be-authorized information of the second user.

6. The method of claim 1, wherein, The step of obtaining the first collection code generation information of the first user and the second collection code generation information of the second user based on the collection code generation request comprises: The first identification information of the first user and the first payment account indication information of the first user are acquired based on the payment code generation request, the first payment code generation information is generated based on the first identification information and the first payment account indication information, the second identification information of the second user and the second payment account indication information of the second user are acquired, and the second payment code generation information is generated based on the second identification information and the second payment account indication information. Or, The first identification information of the first user, the first payment account indication information of the first user and the first payment amount indication information of the first user are acquired based on the payment code generation request, the first payment code generation information is generated based on the first identification information, the first payment account indication information and the first payment amount indication information, the second identification information of the second user, the second payment account indication information of the second user and the second payment amount indication information of the second user are acquired, and the second payment code generation information is generated based on the second identification information, the second payment account indication information and the second payment amount indication information.

7. A method of generating a payment code, wherein, It includes: The first payment demand information of the first user and the second payment demand information of at least one second user are acquired. The first payment demand information and the second payment demand information are used to generate a payment code generation request, and the payment code generation request is sent to a payment code generation system; the payment code generation request is used to request to generate a joint payment code shared by the first user and the second user; The joint payment code is used to make a combined payment to the first user and the second user; The joint payment code returned by the payment code generation system based on the payment code generation request is received, and the joint payment code is displayed.

8. The method of claim 7, wherein, The joint payment code includes any one of a two-dimensional code and a bar code; the joint payment code carries first payment information of the first user and second payment information of the second user; The first payment information includes first identification information of the first user and first payment account indication information of the first user, or includes first identification information of the first user, first payment account indication information of the first user and first payment amount indication information of the first user; The second payment information includes second identification information of the second user and second payment account indication information of the second user, or includes second identification information of the second user, second payment account indication information of the second user and second payment amount indication information of the second user.

9. A method of generating a payment code, wherein, It includes: An authorization request from a payment code generation system is received; The authorization request is used to request the second user to authorize the joint payment code; The joint payment code is a payment code shared by the second user and the first user; The joint payment code is used to make a combined payment to the first user and the second user; Based on the authorization request, an authorization response message is generated, and the authorization response message is returned to the payment code generation system; The authorization response message is used to indicate that the second user authorizes the generation of the joint collection code.

10. The method of claim 9, wherein, The authorization response message is generated based on the authorization request, including: Based on the authorization request, the first identification information of the first user, the second identification information of the second user, the authorization instruction of the second user, and the authorized information of the second user are obtained; the authorized information of the second user includes the second collection account indication information of the second user and / or the second collection amount indication information of the second user; According to the first identification information, the second identification information, the authorization instruction of the second user, and the authorized information of the second user, an authorization response message is generated.

11. A payment method, wherein, Including: The joint collection code is parsed to obtain joint collection information; The joint collection code is a collection code shared by the first user and at least one second user; The joint collection code is used to make a combined payment to the first user and the second user; the joint collection information includes first collection information of the first user and second collection information of the second user; Based on the first collection information and the second collection information, a payment request is generated and sent to a payment system; the payment request is used to request a combined payment to the first user and the second user based on the first collection information and the second collection information.

12. The method of claim 11, wherein, The first collection information includes the first identification information of the first user and the first collection account indication information of the first user; the second collection information includes the second identification information of the second user and the second collection account indication information of the second user; The payment request is generated based on the first collection information and the second collection information, including: In response to the first collection information and the second collection information, payment amount information is prompted to be input; the payment amount information includes first collection amount indication information of the first user and / or second collection amount indication information of the second user; According to the first collection information, the second collection information, and the input payment amount information, a payment request is generated.

13. The method of claim 11, wherein, The payment request is generated based on the first collection information and the second collection information, including: In response to the first collection information and the second collection information, payment preference information is prompted to be input; the payment preference information is used to preferentially pay the first amount to the first user and the second amount to the second user by the payment system; According to the first collection information, the second collection information, and the input payment preference information, a payment request is generated.

14. A payment code generating apparatus, wherein, Including: A request acquisition unit is configured to acquire a collection code generation request from a first terminal device of a first user; The collection code generation request is used to request to generate a joint collection code shared by the first user and at least one second user; The joint collection code is used to make a combined payment to the first user and the second user; An information acquisition unit is configured to acquire first collection code generation information of the first user and second collection code generation information of the second user based on the collection code generation request; The collection code generation unit is configured to generate the joint collection code based on the first collection code generation information and the second collection code generation information, and return the joint collection code to the first terminal device for display.

15. A payment code generating apparatus, wherein, The method comprises the following steps: The demand obtaining unit is configured to obtain first collection demand information of a first user and second collection demand information of at least one second user; The request generation unit is configured to generate a collection code generation request based on the first collection demand information and the second collection demand information, and send the collection code generation request to a collection code generation system; the collection code generation request is used to request generation of a joint collection code shared by the first user and the second user; The joint collection code is used for consolidated payment to the first user and the second user; The content display unit is configured to receive the joint collection code returned by the collection code generation system based on the collection code generation request, and display the joint collection code.

16. A payment code generating apparatus, wherein, The method comprises the following steps: The authorization receiving unit is configured to receive an authorization request from a collection code generation system; The authorization request is used to request authorization of a joint collection code by a second user; The joint collection code is a collection code shared by the second user and a first user; The joint collection code is used for consolidated payment to the first user and the second user; The authorization response unit is configured to generate an authorization response message based on the authorization request, and return the authorization response message to the collection code generation system; The authorization response message is used to indicate that the second user authorizes generation of the joint collection code.

17. A payment device, wherein, The method comprises the following steps: The parsing unit is configured to parse a joint collection code to obtain joint collection information; The joint collection code is a collection code shared by a first user and at least one second user; The joint collection code is used for consolidated payment to the first user and the second user; the joint collection information comprises first collection information of the first user and second collection information of the second user; The payment unit is configured to generate a payment request based on the first collection information and the second collection information, and send the payment request to a payment system; the payment request is used to request consolidated payment to the first user and the second user based on the first collection information and the second collection information.

18. An electronic device, comprising: The method comprises the following steps: A processor; and A memory configured to store computer executable instructions, which, when executed, cause the processor to implement the steps of the method of any one of claims 1-6, or implement the steps of the method of claim 7 or 8, or implement the steps of the method of claim 9 or 10, or implement the steps of the method of any one of claims 11-13.

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

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

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