CN109214819A - A kind of method of payment and electronic equipment - Google Patents
A kind of method of payment and electronic equipment Download PDFInfo
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- CN109214819A CN109214819A CN201710530898.7A CN201710530898A CN109214819A CN 109214819 A CN109214819 A CN 109214819A CN 201710530898 A CN201710530898 A CN 201710530898A CN 109214819 A CN109214819 A CN 109214819A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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Abstract
The present invention relates to a kind of method of payment and electronic equipment, the method includes the steps: the authorization project of account with power of attorney setting is obtained, based on the account with power of attorney and authorization project, generates payment code, can pass through the payment code in order to be authorized to and realize delivery operation.Method and apparatus through the embodiment of the present invention may be implemented without applying for that account and binding bank card can be achieved with on-line payment, and to crowd is used, there is no limit, and highly-safe, and exploitativeness is strong.
Description
Technical field
The present invention relates to means of payment technical field, in particular to a kind of method of payment and electronic equipment.
Background technique
Third parties' on-line payment modes such as wechat payment, Alipay payment are brought convenience to people's lives, and are reduced
People carry risk present in buckets of cash, and people, which only need to carry smart machine (such as smart phone), can be completed
Payment function.However, there is also certain defects for current third party's on-line payment mode.By taking wechat as an example, wechat account and silver
Row card binding, an account can only be intended to first have to one wechat account of application using on-line payment mode for a personal use,
Then bank card is also bound, this, which is undoubtedly to limit, cannot use the group of wechat to enjoy on-line payment mode bring convenience,
In addition, there is also certain risks for binding bank card.
Summary of the invention
It is an object of the invention to improve the above-mentioned deficiency in the presence of the prior art, a kind of method of payment and electronics are provided
Equipment.
In order to achieve the above-mentioned object of the invention, the embodiment of the invention provides following technical schemes:
A kind of method of payment, comprising the following steps:
Authorization project is set；
Payment code is generated based on the authorization project and payment account number.
Authorization project may include be intended for single use amount of money threshold value, can be used total amount threshold value, using geographical coverage area, make
With one of time range or a variety of.
Corresponding to the above method, the embodiment of the invention also provides another methods of payment, comprising steps of obtaining authorization account
The authorization project of family setting generates payment code based on the account with power of attorney and authorization project, can pass through this pair in order to be authorized to
Money code realizes delivery operation.
Corresponding to the above method, the embodiment of the invention also provides another methods of payment, comprising the following steps:
Obtain pay item；
Identification payment code identifies success if the pay item meets authorization project, otherwise identifies unsuccessful；If knowing
Not Cheng Gong, then successful payment, otherwise pays the bill unsuccessful.
In another embodiment, if payment code identifies that successfully verifying is authorized to the authorization code just provided, if authorization code
It is proved to be successful, otherwise success of collecting money is collected money unsuccessful.This programme can further solve the using security issues of payment code, keep away
Exempt from payment code maliciously to be usurped.
The embodiment of the invention also provides the methods of payment under another embodiment, comprising steps of
The authority to pay voucher or authorized account that account with power of attorney is arranged are obtained, by authority to pay voucher or authorized account
Incidence relation is established with account with power of attorney, it is described in order to when receiving payment request, deduct Payment Amount from account with power of attorney
Include the Payment Amount and the authority to pay voucher or the authorized account in payment request.
Corresponding to the above method, the embodiment of the invention also provides another methods of payment, comprising the following steps:
Payment request is received, comprising pay item and authority to pay voucher or authorized account in the payment request,
The pay item includes Payment Amount；
Find out the account with power of attorney that there is incidence relation with the authority to pay voucher or authorized account；
The Payment Amount is deducted from account with power of attorney.
Compared with prior art, the invention has the following advantages:
1) by setting authorization project, payment code is generated based on authorization project and payment account number, payment code can be shared
It gives household equal other people uses other than me, such as shares to old man and child uses, more crowds are enjoyed
It is convenient brought by line payment, also avoid the risk of binding bank card.
2) authorization project can be set, and only met authorization project ability successful payment, ensured the safety of payment operation
Property.
3) it in such a way that authorization code is set, is just paid in the case where only being verified at the same time by authorization project and authorization code
Money success, further enhances the safety of payment, the problem for avoiding payment code stolen.
Detailed description of the invention
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below will be to needed in the embodiment attached
Figure is briefly described, it should be understood that the following drawings illustrates only certain embodiments of the present invention, therefore is not construed as pair
The restriction of range for those of ordinary skill in the art without creative efforts, can also be according to this
A little attached drawings obtain other relevant attached drawings.
Fig. 1 is the block diagram for the electronic equipment that present pre-ferred embodiments provide.
The flow chart for the method for payment that Fig. 2 present pre-ferred embodiments 1 provide.
The flow chart for another method of payment that Fig. 3 present pre-ferred embodiments 1 provide.
A kind of the functional block diagram for payment mechanism that Fig. 4 present pre-ferred embodiments 1 provide.
Fig. 5 is the functional block diagram for another payment mechanism that present pre-ferred embodiments 1 provide.
A kind of flow chart for method of payment that Fig. 6 present pre-ferred embodiments 2 provide.
The flow chart for another method of payment that Fig. 7 present pre-ferred embodiments 2 provide.
A kind of the functional block diagram for payment mechanism that Fig. 8 present pre-ferred embodiments 2 provide.
Specific embodiment
Below in conjunction with attached drawing in the embodiment of the present invention, technical solution in the embodiment of the present invention carries out clear, complete
Ground description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.Usually exist
The component of the embodiment of the present invention described and illustrated in attached drawing can be arranged and be designed with a variety of different configurations herein.Cause
This, is not intended to limit claimed invention to the detailed description of the embodiment of the present invention provided in the accompanying drawings below
Range, but it is merely representative of selected embodiment of the invention.Based on the embodiment of the present invention, those skilled in the art are not doing
Every other embodiment obtained under the premise of creative work out, shall fall within the protection scope of the present invention.
As shown in Figure 1, being the block diagram for the electronic equipment 100 that present pre-ferred embodiments provide.The present invention is implemented
The equipment that electronic equipment 100 in example can have data-handling capacity for server, computer etc..As shown in Figure 1, electronics is set
Standby 100 include: memory 110, processor 120 and network module 130.
The memory 110, processor 120 and network module 130 are directly or indirectly electrically connected between each other, with
Realize the transmission or interaction of data.For example, these elements between each other can be real by one or more communication bus or signal wire
Now it is electrically connected.Payment mechanism is stored in memory 110, the payment mechanism includes that at least one can be with software or firmware
(firmware) form is stored in the software function module in the memory 110, and the processor 120 passes through operation storage
Software program and module in memory 110 are answered such as the payment mechanism in the embodiment of the present invention thereby executing various functions
With and data processing, i.e., realization the embodiment of the present invention in method of payment.
Wherein, the memory 110 may be, but not limited to, random access memory (Random Access
Memory, RAM), read-only memory (Read Only Memory, ROM), programmable read only memory (Programmable
Read-Only Memory, PROM), erasable read-only memory (Erasable Programmable Read-Only
Memory, EPROM), electricallyerasable ROM (EEROM) (Electric Erasable Programmable Read-Only
Memory, EEPROM) etc..Wherein, memory 110 is for storing program, the processor 120 after receiving and executing instruction,
Execute described program.
The processor 120 may be a kind of IC chip, the processing capacity with signal.Above-mentioned processor
120 can be general processor, including central processing unit (Central Processing Unit, CPU), network processing unit
(Network Processor, NP) etc..Can also be digital signal processor (DSP)), specific integrated circuit (ASIC), scene
Programmable gate array (FPGA) either other programmable logic device, discrete gate or transistor logic, discrete hardware group
Part.It may be implemented or execute disclosed each method, step and the logic diagram in the embodiment of the present invention.General processor can be with
It is that microprocessor or the processor are also possible to any conventional processor etc..
Network module 130 is used to establish the communication connection between electronic equipment 100 and external communications terminals by network, real
The transmitting-receiving operation of existing network signal and data.
It is appreciated that structure shown in FIG. 1 is only to illustrate, electronic equipment 100 may also include it is more than shown in Fig. 1 or
Less component, or with the configuration different from shown in Fig. 1.Each component shown in Fig. 1 can using hardware, software or its
Combination is realized.
Embodiment 1
One of embodiment of the present embodiment provides a kind of method of payment, and this method is set based on the electronics of authorized party
Standby (such as smart phone, palm PC etc.) is realized, authorized party described herein refers to that payment code, which is shared with other people, (to be authorized to
Side) main body (including personal or unit) that uses, it is authorized to when side is paid using payment code required payment amount from authorization
The account just bound deducts.The method of payment the following steps are included:
Obtain the authorization project information of authorized party's setting.Authorization project may include that amount of money threshold value is intended for single use, can be used
Total amount threshold value can add up daily using total amount, daily accumulative access times, authorization geographic range, authorization time limit
Etc. can be to one of condition that authorization object payment behavior is limited or a variety of.It is arranged by grant item purpose, Ke Yibao
The safety in utilization of barrier payment code, avoids authorized side from any time, everywhere, arbitrarily paying the bill, by authorizing the restriction of geographic range also
It can be stolen to avoid payment code.
Authorization project and account with power of attorney are sent to payment platform server, in order to which payment platform server is awarded based on this
Claim mesh and account with power of attorney generate payment code.Code of paying the bill can not limited this there are many form, preferably can be using current
Technology maturation and payment two dimensional code easy to use or payment bar code.
When being realized based on payment platform server, payment platform server is then the grant item for obtaining account with power of attorney setting
Mesh generates payment code based on the account with power of attorney and authorization project, and payment behaviour can be realized by the payment code in order to be authorized to
Make.
The payment code of generation can be shared in addition to authorized party other people (i.e. be authorized to side, be not limited to individual,
Be also possible to unit) use, be authorized to side payment when only need to provide payment code, it is extremely easy to use, especially for
Old man, child etc. will not operate intelligent terminal group and provide convenience.It is limited based on grant item purpose, is only awarded in satisfaction
Code of paying the bill in the case of claim purpose could be identified success, and then ability successful payment, therefore ensure the use peace of payment code
Quan Xing.Identity based on authorized side is different, and authorization project can be set different.The payment code of generation, which can also carry, to be awarded
The identity of power person, i.e. payment code are based on authorization project, account with power of attorney and to be authorized to the identity of side and generate, in this way
Can in order to identify payment code user identity.
Authorization project can be set, for example, licensing to child makes according to the payment of authorized side habit or ability of paying the bill
With can be set and amount of money threshold value is intended for single use is 20 yuan, and the Payment Amount less than or equal to 20 yuan directly can successfully identify payment code
It pays the bill.
In a further preferred embodiment, if being unsatisfactory for authorization project condition, temporary Authorization can be initiated and asked
It asks.I other words beneficiary the inquiry whether paid the bill temporarily is sent to authorized party, if payment when identification payment code is unsuccessful
Inquiry in include pay item information, pay item information may include payment time, requestee or account (i.e. authorization account
Family), Payment Amount, Payment Instructions (such as purchase books), the place of payment, the information such as beneficiary.Authorized party's electronic equipment receives
To whether paying the bill after inquiry, the response whether paid the bill is provided, otherwise the successful payment if agreeing to payment is paid the bill unsuccessful.Authorization
Side can be confirmed whether to pay the bill according to the identity carried in pay item and payment code.
Referring to Fig. 2, this method is based on gathering the embodiment of the invention provides the method for payment under another embodiment
Electronic equipment (such as the smart phone, palm PC etc.) realization of side, the method includes the steps:
Step S201 obtains pay item.Pay item may include Payment Amount, Payment Instructions, the place of payment, payment
Some or all of in the information such as time, beneficiary.Pay item can be manually entered by beneficiary and be obtained, can also be by electricity
Sub- equipment is directly read, for example, electronic equipment items scanning bar code can get the letter such as product name, price, geographical location
Breath.
Step S202, identification payment code identify if the information in the pay item meets the condition in authorization project
Success, otherwise identifies unsuccessful；If identifying successfully, successful payment, otherwise pay the bill unsuccessful.
For example, the Payment Amount in pay item is 15 yuan, single use amount of money threshold value (the authorization project in authorization project
Only this) be 20 yuan, then code of paying the bill identifies successfully, successful payment.
For another example, the geographical location in pay item is Chengdu Chenghua district, the authorization geographic range in authorization project be at
City Jinjiang District, then code of paying the bill identify unsuccessful, Payment Failed.It is stolen that payment code can be improved by the judgement in geographical location
The problem of.
The safety in utilization of payment code can be ensured by the setting of grant item purpose, pacified when especially authorization project is multiple
Full property is higher, only could successful payment when each authorization project meets.For example, Payment Amount, which meets, is intended for single use the amount of money
Threshold value, and geographical location meets using geographical coverage area, then identifies success, otherwise identify unsuccessful.
The method can make on-line payment mode be applicable to various people through this embodiment, to using object not have
It is restricted, not only facilitate payment, but also safety with higher.In order to further reinforce the safety that payment code uses,
Solve the problems, such as the safety in utilization of payment code, in more preferably embodiment, the step S202 is replaced with following steps:
Identification payment code identifies success if the pay item meets authorization project, further obtains authorized side and mentions
(payment client terminal provides the window of a typing authorization code to the authorization code of confession after payment code identifies successfully, for authorized party's record
Enter authorization code), authorization code submission payment platform server is verified, if authorization code is proved to be successful, successful payment is no
It then pays the bill unsuccessful.If pay item is unsatisfactory for authorization project, code of paying the bill identification is unsuccessful, pays the bill unsuccessful.At this point, in order to
Convenient for identifying whether that successful payment, payment client terminal can provide the text prompt information for paying successfully or paying failure.
Authorization code can there are many forms, and the implementation generality consideration based on cost and implementation convenience, current technology is awarded
Password made of weighted code can be number, English alphabet, character etc. alone or in combination, or bio-identification code (such as fingerprint
Deng), after the electronic equipment identification payment code success of beneficiary, (such as referred to by being authorized to side's input password or typing bio-identification code
Line etc.) confirmed again, it is successful payment after password authentification success.It can solve that payment code is stolen to ask by this step
Topic.Password made of setting number, English alphabet, character etc. alone or in combination for authorization code, or bio-identification code
(such as fingerprint), authorized side can directly using the ready-made electronic equipment input of beneficiary, (mobile phone all supports fingerprint to know at present
Other and input password), without additionally configuring specific authorisation code recording device.
Referring to Fig. 3, the flow chart that method of payment described in the present embodiment is realized based on payment platform server is illustrated, it should
Method of payment comprising steps of
Step S301, receives the payment request submitted by identification payment code, and the payment code is based on account with power of attorney and awards
Claim mesh and generate, beneficiary account, beneficiary information, pay item, authorization project and authorization are included in the payment request
Account.
Step S302, judges whether the information in pay item meets the condition in authorization project, if yes then enter step
Rapid S303, otherwise enters step S304.
Step S303, verifying are authorized to the authorization code just provided and deduct from account with power of attorney if authorization code is proved to be successful
Otherwise the Payment Amount for including in pay item provides the prompt information of Payment Failed.
Step S304 sends the inquiry whether paid the bill to Send only Account, includes to pay the bill in the inquiry whether paid the bill
Mesh information, after receiving the payment response that Send only Account provides, from the payment for including in deduction pay item in account with power of attorney
Otherwise the amount of money provides the prompt information of Payment Failed.
Referring to Fig. 4, being a kind of the functional block diagram of payment mechanism provided in this embodiment, which includes
Pay item obtaining unit and payment code recognition unit.
The pay item obtaining unit, for obtaining pay item information；Pay item information may include payment gold
The information such as volume, Payment Instructions, the place of payment.
Payment code recognition unit, code of paying the bill for identification are known if the pay item information meets authorization project demand
Not Cheng Gong, otherwise identify unsuccessful.
Referring to Fig. 5, being the functional block diagram of another payment mechanism provided in this embodiment, the payment mechanism packet
It includes:
Payment request receiving module, for receiving the payment request for passing through identification payment code and submitting, the payment code is based on
Account with power of attorney and authorization project and generate, pay item, authorization project and account with power of attorney are included in the payment request；
Permission judgment module, for judging whether the information in pay item meets the condition in authorization project；
Authorization code authentication module is just provided for when the judging result of permission judgment module, which is, is, verifying to be authorized to
Whether authorization code is correct；
Payment inquiry module, for whether being paid to Send only Account transmission when the judging result of permission judgment module is no
The inquiry of money includes pay item information in the inquiry whether paid the bill；
It withholds module, for when the verification result of authorization code authentication module, which is, is, or payment inquiry module receives
When the payment response that Send only Account provides, from the Payment Amount for including in deduction pay item in account with power of attorney；
Presentation for payment module, for when the verification result of authorization code authentication module be it is no when, or payment inquiry module connect
Receive that Send only Account provides do not pay the bill response when, provide the prompt information of Payment Failed.
Embodiment 2
A kind of method of payment is provided in the present embodiment, this method realizes that this method includes based on payment platform server
Step:
Obtain the authority to pay voucher or authorized account that account with power of attorney is arranged.Payment client in authorized party's electronic equipment
End provides authorized window, and authorized party can pass through the authorized window typing authority to pay voucher or authorized account.
Authority to pay voucher or authorized account and account with power of attorney are established into incidence relation, asked in order to which payment ought be received
When asking, Payment Amount is deducted from account with power of attorney, includes the Payment Amount and the authority to pay in the payment request
Voucher or the authorized account.
It is authorized to side and authorized party can be the user of payment platform, when being authorized to side is the user of payment platform,
Authorized account can be set in authorized party, and when being authorized to side's payment, when submitting payment request using the account of oneself, payment is flat
Platform server finds the corresponding account of the account (being authorized to account) by the account, and then finds and establish incidence relation with it
Account with power of attorney, Payment Amount deducts (and not conventional payment mode deduct from authorized account) from account with power of attorney, leads to
Crossing the method may be implemented to be authorized to side without binding bank card or stored value is also able to achieve on-line payment in the account, right
Also can in the user (such as child) that will not or be unwilling to bind the user (such as old man) of bank card and be taken in without fund
It is convenient enough to enjoy on-line payment bring, so that the use groups of on-line payment are more extensive.
Authorized side may not be the user of payment platform, and authority to pay voucher can be set in authorized party at this time, authorization
Evidence for payment is the voucher that need to be provided when payment, therefore authority to pay voucher is preferably authorized to the voucher just provided, in order to quilt
Authorized party pay when can provide in time, such as be authorized to side certificate number (such as identification card number, public transport card number, gate inhibition's card number,
ID number on wearable device), the biological characteristic (such as fingerprint) of grantee, the other information for being authorized to side (such as print
Two dimensional code or mobile device (such as: mobile phone, electronics bracelet) in displayable two dimensional code).It is propped up in the electronic equipment of beneficiary
It pays client and the window of typing authority to pay voucher is provided, be authorized to side and pass through the window typing authority to pay voucher, Ji Keshi
Existing on-line payment.Any authorized person, which may be implemented, by the method can use on-line payment mode, enjoy online branch
It is convenient to pay bring, solves current on-line payment mode for the restricted problem of use groups, so that even if not having online
On-line payment mode also can be used in payment account, keeps the use groups of on-line payment more extensive.Certainly, with authority to pay voucher
Mode license the object of on-line payment and can be non-pay platform user, be also possible to payment platform user.
Authorized party not only can be individual, be also possible to enterprise.Such as account with power of attorney is business account, it can be with authorized employees
Using the fund inside the account, i.e., employee go on business need to pay when, paid by authority to pay voucher, directly from this
Payment Amount is deducted in account with power of attorney, avoid current request for funds, go on business back after submit an expense account, return the items such as unused fund
Complicated process, improves work efficiency, of course, it is possible to which limiting employee by setting authorization project rationally makes fund
With use of funds situation can also be verified by subsequent invoice.
It is directed to situations such as common investment collective goes on a tour or has a dinner party, an account with power of attorney can also be set, everybody in advance will
Fund is prestored into the account with power of attorney, and the fund in the account with power of attorney can be used in the people of each investment of account with power of attorney authorization,
The trouble for avoiding all consumption all existing by people's payment.Can also be with unified authorization or mutual authorization, such as: 5 people go on a tour 1
It, determines that the Dutch treatment is consumed, at this moment establishes a consumer group, and associated authorization option is arranged, personnel's mutual authorization in group, such as:
Dutch treatment consumption is authorized, the authorization time is to pay effectively for 24 hours, and authorizing each account highest payment amount is 300 yuan, Authorized Group
In everyone public fund (or specified wherein 1~5 people uses public fund) can be used, public fund is virtual account at this time
Family, virtual amount of money peak is 1500 yuan, when consuming, average to withhold from respective account by equal proportion.This withholds can be with
It is to form (such as first is that 2 people participate in, and payout ratio can be improved) at different rates, can also set every payment need to write use
Reason can also set every payment and be ratified by someone (or more people).
Referring to Fig. 6, the method for payment provided in the present embodiment, this sentence authority to pay voucher mode authorization other people make
It is outer unless stated otherwise when using my payment account if it is authority to pay platform user with my payment account, only
Authority to pay voucher in each step need to be replaced with authorized account.Method includes the following steps:
Step S601 receives payment request, includes pay item and authority to pay voucher, institute in the payment request
Stating pay item includes paying party information, Payment Amount, beneficiary information.For scheme described in the present embodiment, beneficiary is first recorded
Enter pay item, then passes through the payment client terminal submission authority to pay voucher of beneficiary electronic equipment by being authorized to side, such as by
The fingerprint for the window typing oneself that authorized party is provided by the payment client terminal of beneficiary electronic equipment, payment request is by beneficiary
Electronic equipment issues.For the embodiment for being authorized to account is authorized, payment request is by the payment in authorized square electronic equipment
Client is submitted.
Step S602 finds out the account with power of attorney for having incidence relation with the authority to pay voucher.In another embodiment
In, incidence relation is established if it is authorized account and account with power of attorney, then first passes through and the account of payment request is submitted to find the account
Number corresponding account (being authorized to account), and then find the account with power of attorney that incidence relation is established with it.
Step S603, deducts Payment Amount from account with power of attorney.
There is no any restrictions if it is the use to authorized side, is then authorized to side and is realized every time using authorized voucher
Line can pay success when paying.
If needing certain restrictive condition to the use of authorized side, can make in the case where meeting restrictive condition
With, it can successful payment, and it is unsuccessful then to pay the bill in the case where being unsatisfactory for condition, then step S603 can be by following
Step replaces:
Judge whether the Payment Amount meets the authorization amount of money condition in authorization project, if it is from account with power of attorney
Payment Amount is deducted, the prompt information of Payment Failed is otherwise provided.Either,
Judge whether payment time, the place of payment meet the requirement of authorization time limit, authorization geographic range respectively simultaneously,
If Payment Amount meets the authorization amount of money condition in authorization project, and payment time meets authorization time limit, the place of payment
Meet authorization geographic range, then deducts Payment Amount from account with power of attorney, otherwise provide the prompt information of Payment Failed, be
It says, with regard to successful payment when all authorization projects all meet, the Payment Failed as long as thering is one to be unsatisfactory for.
Authorization project is authorized party when submitting authority to pay voucher while submitting, at this time and establish account with power of attorney,
Incidence relation between authority to pay voucher, authorization project three.Authorization project can include but is not limited to that the amount of money is intended for single use
Threshold value can be used total amount threshold value, can add up daily using total amount, daily accumulative access times, authorization geographic range, award
Weighing time limit etc. can be to one of condition that authorized party's payment behavior is limited or a variety of.When authorization project is multinomial
When, only multinomial authorization project meets ability successful payment simultaneously, otherwise pays the bill unsuccessful.Correspondingly, when authorization project is more
Xiang Shi, be also required in pay item it is corresponding there is corresponding information, such as project includes authorization geographic range first, then pays the bill
This information of the place of payment is needed in mesh.
Authority to pay voucher is to be authorized to oneself typing of side, and authority to pay is especially worked as in therefore safety with higher
When voucher feature (such as fingerprint) exclusive for authorized side, safety is higher.In order to further enhance safety, more excellent
In the embodiment of choosing, after determining pay item and meeting authorization project demand, Payment Amount is deducted from account with power of attorney
Before, it whether correct further comprises the steps of: the authorized authorization code just provided of judgement, executes in account with power of attorney and deduct if correct
Otherwise the operation of Payment Amount provides the prompt information of payment identification.
In the embodiment of another optimization, when balance of mesh is unsatisfactory for authorization project condition, it can also request to face
Shi Shouquan sends the inquiry whether paid the bill, institute to Send only Account that is, when judging that pay item is unsatisfactory for authorization project condition
It states comprising pay item information in the inquiry whether paid the bill, in order to which authorized party is made whether answering for payment according to pay item
It answers.After receiving the payment response that Send only Account provides, from account with power of attorney deduct pay item in include Payment Amount,
Otherwise the prompt information of Payment Failed is provided.Specific steps are as shown in Figure 7.
Referring to Fig. 8, being a kind of the functional block diagram of payment mechanism provided in this embodiment, the payment mechanism packet
It includes:
Authority to pay voucher obtains module, the authority to pay voucher for the setting of movable account with power of attorney；
Incidence relation establishes module, establishes incidence relation with by authority to pay voucher and account with power of attorney.
In another embodiment, incidence relation establishes module for establishing authority to pay voucher, account with power of attorney, grant item
Incidence relation between mesh three.
The payment mechanism under another embodiment is provided in the present embodiment, which includes:
Payment request receiving module includes pay item, and authorization in the payment request for receiving payment request
Evidence for payment or authorized account are paid, and the pay item includes Payment Amount；
Permission judgment module, for judging whether the information in pay item meets the condition in authorization project；
Authorization code authentication module is just provided for when the judging result of permission judgment module, which is, is, verifying to be authorized to
Whether authorization code is correct；
Payment inquiry module, for whether being paid to Send only Account transmission when the judging result of permission judgment module is no
The inquiry of money includes pay item information in the inquiry whether paid the bill；
It withholds module, for when the verification result of authorization code authentication module, which is, is, or payment inquiry module receives
When the payment response that Send only Account provides, from the Payment Amount for including in deduction pay item in account with power of attorney；
Presentation for payment module, for when the verification result of authorization code authentication module be it is no when, or payment inquiry module connect
Receive that Send only Account provides do not pay the bill response when, provide the prompt information of Payment Failed.
In several embodiments provided herein, it should be understood that disclosed device and method can also pass through
Other modes are realized.The apparatus embodiments described above are merely exemplary, for example, flow chart and block diagram in attached drawing
Show the device of multiple embodiments according to the present invention, the architectural framework in the cards of method and computer program product,
Function and operation.In this regard, each box in flowchart or block diagram can represent the one of a module, section or code
Part, a part of the module, section or code, which includes that one or more is for implementing the specified logical function, to be held
Row instruction.It should also be noted that function marked in the box can also be to be different from some implementations as replacement
The sequence marked in attached drawing occurs.For example, two continuous boxes can actually be basically executed in parallel, they are sometimes
It can execute in the opposite order, this depends on the function involved.It is also noted that every in block diagram and or flow chart
The combination of box in a box and block diagram and or flow chart can use the dedicated base for executing defined function or movement
It realizes, or can realize using a combination of dedicated hardware and computer instructions in the system of hardware.
It, can be with if the function is realized and when sold or used as an independent product in the form of software function module
It is stored in a computer readable storage medium.Based on this understanding, technical solution of the present invention is substantially in other words
The part of the part that contributes to existing technology or the technical solution can be embodied in the form of software products, the meter
Calculation machine software product is stored in a storage medium, including some instructions are used so that a computer equipment (can be a
People's computer, server or network equipment etc.) it performs all or part of the steps of the method described in the various embodiments of the present invention.
And storage medium above-mentioned includes: that USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), arbitrary access are deposited
The various media that can store program code such as reservoir (RAM, Random Access Memory), magnetic or disk.
It should be noted that, in this document, relational terms such as first and second and the like are only used for distinguishing, without table
Show or imply ordinal relation or significance level.
The above description is merely a specific embodiment, but scope of protection of the present invention is not limited thereto, any
Those familiar with the art in the technical scope disclosed by the present invention, can easily think of the change or the replacement, and should all contain
Lid is within protection scope of the present invention.Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (10)
1. a kind of method of payment, which comprises the following steps:
The authorization project for obtaining account with power of attorney setting generates payment code, based on the account with power of attorney and authorization project in order to be awarded
Power can realize delivery operation by the payment code.
2. a kind of method of payment, which comprises the following steps:
The payment request submitted by identification payment code is received, the payment code is based on account with power of attorney and authorization project and generates,
Include pay item, authorization project and account with power of attorney in the payment request；
Judge whether the information in pay item meets the condition in authorization project, payment is if it is deducted from account with power of attorney
Otherwise the Payment Amount for including in project provides the prompt information of Payment Failed.
3. according to the method described in claim 2, it is characterized in that, if the information in the pay item is unsatisfactory for grant item
Condition in mesh then provides the prompt information of Payment Failed, is replaced by following steps:
If the information in pay item is unsatisfactory for the condition in authorization project, the inquiry whether paid the bill is sent to Send only Account
It asks, includes pay item information in the inquiry whether paid the bill, after receiving the payment response that Send only Account provides, from awarding
The Payment Amount for including in pay item is deducted in power account, otherwise provides the prompt information of Payment Failed.
4. according to the method in claim 2 or 3, which is characterized in that judge whether the information in pay item meets authorization
Condition in project passes through following steps generation if it is from the Payment Amount for including in pay item is deducted in account with power of attorney
It replaces:
Judge whether the information in pay item meets the condition in authorization project, if it is verifying be authorized to just provide award
Weighted code, from the Payment Amount for including in pay item is deducted in account with power of attorney, otherwise provides payment if authorization code is proved to be successful
The prompt information of failure.
5. a kind of method of payment, which comprises the following steps:
Obtain account with power of attorney setting authority to pay voucher or authorized account, by authority to pay voucher or authorized account with award
Power account establishes incidence relation, in order to when receiving payment request, deduct Payment Amount, the payment from account with power of attorney
Include the Payment Amount and the authority to pay voucher or the authorized account in request.
6. a kind of method of payment, which comprises the following steps:
Payment request is received, it is described comprising pay item and authority to pay voucher or authorized account in the payment request
Pay item includes Payment Amount；
Find out the account with power of attorney that there is incidence relation with the authority to pay voucher or authorized account；
The Payment Amount is deducted from account with power of attorney.
7. according to the method described in claim 6, it is characterized in that, the Payment Amount step that deducts from account with power of attorney passes through
Following steps replace:
Judge whether the information in pay item meets the condition in authorization project, payment is if it is deducted from account with power of attorney
Otherwise the Payment Amount for including in project provides the prompt information of Payment Failed.
8. the method according to the description of claim 7 is characterized in that whether the information judged in pay item meets authorization
Condition in project passes through following step if it is from the Payment Amount step for including in pay item is deducted in account with power of attorney
It is rapid to replace:
Judge whether the information in pay item meets the condition in authorization project, if it is verifying be authorized to just provide award
Weighted code, from the Payment Amount for including in pay item is deducted in account with power of attorney, otherwise provides payment if authorization code is proved to be successful
The prompt information of failure.
9. a kind of electronic equipment including memory, processor and stores the calculating that can be run on a memory and on a processor
Machine program, which is characterized in that the processor is realized described in claim 2~4 or 6~8 any one when executing described program
The step of method.
10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the program is by processor
The step of any one of claim 2~4 or 6~8 the method is realized when execution.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710530898.7A CN109214819A (en) | 2017-07-03 | 2017-07-03 | A kind of method of payment and electronic equipment |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710530898.7A CN109214819A (en) | 2017-07-03 | 2017-07-03 | A kind of method of payment and electronic equipment |
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| CN109214819A true CN109214819A (en) | 2019-01-15 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201710530898.7A Pending CN109214819A (en) | 2017-07-03 | 2017-07-03 | A kind of method of payment and electronic equipment |
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| CN111415143A (en) * | 2020-03-26 | 2020-07-14 | 支付宝(杭州)信息技术有限公司 | Payment device and payment method and device thereof |
| CN112036882A (en) * | 2020-08-31 | 2020-12-04 | 维沃移动通信有限公司 | Account login method and device and electronic equipment |
| CN113610514A (en) * | 2021-07-30 | 2021-11-05 | 建信金融科技有限责任公司 | Account job processing method and device, electronic equipment and storage medium |
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Application publication date: 20190115 |