Code scanning payment method, device, system, equipment and readable storage medium
阅读说明：本技术 扫码支付方法、装置、系统、设备及可读存储介质 (Code scanning payment method, device, system, equipment and readable storage medium ) 是由 张文 于 2019-07-08 设计创作，主要内容包括：本发明涉及移动支付技术领域,公开了一种基于位置的扫码支付方法包括：响应扫码支付请求操作,获取付款方位置信息；判断在预先存储的收款码数据集合中是否存在与付款方位置信息匹配的收款方位置信息；若存在匹配的收款方位置信息,从预先存储的收款码数据集合中获取对应的收款方收款码,完成支付操作；若不存在匹配的收款方位置信息,根据付款方位置信息生成相应的收款码获取请求并发送至服务端,从服务端预设的收款码数据库中获得对应的收款方收款码并接收,完成支付操作；将付款方位置信息作为收款方位置信息与获取的收款方收款码形成对应关系存储到本地收款码数据集合。采用本发明,能够提高支付过程的安全性和快捷性。(The invention relates to the technical field of mobile payment, and discloses an code scanning payment method based on positions.)
1, code scanning payment method based on position, which is suitable for payer client, and it includes:
responding to the code scanning payment request operation, and acquiring position information of a payer;
judging whether payee position information matched with the payer position information exists in a prestored payee code data set or not;
if the matched payee position information exists, acquiring a corresponding payee cash code from a prestored cash code data set, and completing code scanning payment operation according to the payee cash code;
if no matched payee position information exists, generating a corresponding payee code acquisition request according to the payer position information; sending the receiving code acquisition request to a server so that the server can acquire a corresponding receiving party receiving code from a receiving code database preset by the server according to the position information of a paying party in the receiving code acquisition request; receiving the payee cash register code sent by the server, and completing payment operation according to the payee cash register code; and forming a corresponding relation between the payer position information serving as payee position information and a payee cash receiving code sent by the server and storing the corresponding relation into a local cash receiving code data set.
2. The location-based code-scanning payment method of claim 1, wherein determining whether payee location information matching the payer location information exists in a prestored payee data set comprises:
calculating to obtain the similarity between the position information of the payer and the position information of each prestored payee, and judging whether the similarity which is greater than a preset threshold exists or not;
if n similarity degrees which are larger than a preset threshold value exist, matching payee position information exists, and the n payee position information corresponding to the n similarity degrees is payee position information to be matched; wherein n is more than or equal to 1;
and if the similarity larger than the preset threshold does not exist, matching payee position information does not exist.
3. The method for location-based code-scan payment of claim 2, wherein determining that there is matching payee location information further comprises:
when n is 1, the payee position information corresponding to the similarity greater than the preset threshold of the unique is used as the matched payee position information;
when n > 1, it is performed in any manner as follows:
manner of presenting the n payee location information for selection and using the selected payee location information as matching payee location information, or
The second method comprises the following steps: and according to the similarity ranking, the payee position information with the maximum similarity in the n similarities is used as the matched payee position information.
4. The location-based code-scanned payment method of claim 3, wherein the payee location information comprises payee user information.
5. The location-based code scan payment method of any of claims 1-3, wherein the pre-stored collection of payee data, each payee location information corresponding to payee user information, each payee user information corresponding to at least payee codes, wherein the matching payee location information obtaining a corresponding payee code from the pre-stored collection of payee data and completing a code scan payment operation based on the payee code comprises:
and if the matched payee position information exists, acquiring payee user information corresponding to the matched payee position information from a prestored payee code data set, acquiring a payee code corresponding to the payee user information from the prestored payee code data set, and finishing code scanning payment operation according to the payee code.
6. A location-based code scanning payment method as recited in any one of claims 1 to 3 at wherein if there is matching payee location information, obtaining a corresponding payee code from a prestored payee code data set and completing a code scanning payment operation based on the payee code, comprising:
inquiring the prestored payee code data set according to the matched payee position information to obtain p payee codes to be determined; wherein p is more than or equal to 1;
when p is 1, completing the payment operation according to the payee cash register code unique ;
when p > 1, it is performed in any manner as follows:
the method comprises presenting the p payee codes for selection, using the selected payee code as the matched payee code, and completing the payment operation according to the matched payee code, or
The second method comprises the following steps: and selecting a corresponding payee cash register code according to the payment system platform currently used by the user, and completing the payment operation according to the payee cash register code.
7, a code scanning payment device based on location, comprising:
the payment position acquisition module is used for responding to code scanning payment request operation and acquiring position information of a payer;
the position information matching judgment module is used for judging whether position information of a payee matched with the position information of the paying party exists in a prestored payee code data set or not;
the payee code local acquisition and payment module is used for acquiring a corresponding payee code from a prestored payee code data set if matched payee position information exists, and completing code scanning payment operation according to the payee code;
the remote payee code acquisition, payment and storage module is used for generating a corresponding payee code acquisition request according to the payer position information if no matched payee position information exists; sending the receiving code acquisition request to a server so that the server can acquire a corresponding receiving party receiving code from a receiving code database preset by the server according to the position information of a paying party in the receiving code acquisition request; receiving the payee cash register code sent by the server, and completing payment operation according to the payee cash register code; and forming a corresponding relation between the payer position information serving as payee position information and a payee cash receiving code sent by the server and storing the corresponding relation into a local cash receiving code data set.
8, code-scanning payment system based on position, which is characterized in that it comprises at least payer client and server;
the payer client, comprising the location-based code-scanning payment device of claim 7.
A location-based pay-by-scan apparatus of claim 9, , comprising a processor, a memory, and a computer program stored in the memory and configured to be executed by the processor, wherein execution of the computer program by the processor implements the location-based pay-by-scan method of any of claims 1-6, .
10, computer-readable storage media, wherein the computer-readable storage media comprises a stored computer program, wherein the computer program when executed performs the location-based code-scan payment method of any of claims 1-6.
Technical Field
The invention relates to the technical field of mobile payment, in particular to code scanning payment methods, devices, systems, equipment and readable storage media based on positions.
Background
Nowadays, code scanning payment is which is the main payment method in people's daily life due to its convenience and quickness.
In daily life, a merchant often provides a cash register (usually, a WeChat two-dimensional code, a Paibao two-dimensional code, a Unionpay account two-dimensional code, and the like) to a consumer, and the consumer scans the cash register by using a mobile phone to complete payment.
In addition, in the payment process, each consumer needs to scan the cash register code to complete the payment, so when a plurality of consumers in the shops of need to pay at the same time, the phenomenon of queuing is easy to occur, the payment process is slow, and the user experience is poor.
Disclosure of Invention
The embodiment of the invention provides code scanning payment methods, devices, systems, equipment and readable storage media based on positions, and can improve the safety and the rapidity of a payment process.
The code scanning payment methods based on the position provided by the embodiment of the invention specifically comprise the following steps:
responding to the code scanning payment request operation, and acquiring position information of a payer;
judging whether payee position information matched with the payer position information exists in a prestored payee code data set or not;
if the matched payee position information exists, acquiring a corresponding payee cash code from a prestored cash code data set, and completing code scanning payment operation according to the payee cash code;
if no matched payee position information exists, generating a corresponding payee code acquisition request according to the payer position information; sending the receiving code acquisition request to a server so that the server can acquire a corresponding receiving party receiving code from a receiving code database preset by the server according to the position information of a paying party in the receiving code acquisition request; receiving the payee cash register code sent by the server, and completing payment operation according to the payee cash register code; and forming a corresponding relation between the payer position information serving as payee position information and a payee cash receiving code sent by the server and storing the corresponding relation into a local cash receiving code data set.
Further , the determining whether payee location information matching the payer location information exists in a prestored payee code data set specifically includes:
calculating to obtain the similarity between the position information of the payer and the position information of each prestored payee, and judging whether the similarity which is greater than a preset threshold exists or not;
if n similarity degrees which are larger than a preset threshold value exist, matching payee position information exists, and the n payee position information corresponding to the n similarity degrees is payee position information to be matched; wherein n is more than or equal to 1;
and if the similarity larger than the preset threshold does not exist, matching payee position information does not exist.
Step , after determining that there is matching payee location information, further comprising:
when n is 1, the payee position information corresponding to the similarity greater than the preset threshold of the unique is used as the matched payee position information;
when n > 1, it is performed in any manner as follows:
manner of presenting the n payee location information for selection and using the selected payee location information as matching payee location information, or
The second method comprises the following steps: and according to the similarity ranking, the payee position information with the maximum similarity in the n similarities is used as the matched payee position information.
, the payee location information includes payee user information.
, in the prestored payee code data set, each payee position information corresponds to payee user information, each payee user information corresponds to at least payee pay codes, the matched payee position information is obtained from the prestored payee code data set, and the code scanning payment operation is completed according to the payee pay codes, which specifically comprises the following steps:
and if the matched payee position information exists, acquiring payee user information corresponding to the matched payee position information from a prestored payee code data set, acquiring a payee code corresponding to the payee user information from the prestored payee code data set, and finishing code scanning payment operation according to the payee code.
Step , if there is matching payee location information, obtaining a corresponding payee cash code from a prestored payee code data set, and completing a code scanning payment operation according to the payee cash code, which specifically includes:
inquiring the prestored payee code data set according to the matched payee position information to obtain p payee codes to be determined; wherein p is more than or equal to 1;
when p is 1, completing the payment operation according to the payee cash register code unique ;
when p > 1, it is performed in any manner as follows:
the method comprises presenting the p payee codes for selection, using the selected payee code as the matched payee code, and completing the payment operation according to the matched payee code, or
The second method comprises the following steps: and selecting a corresponding payee cash register code according to the payment system platform currently used by the user, and completing the payment operation according to the payee cash register code.
Step , if there is matched payee location information, obtaining payee user information corresponding to the matched payee location information from a prestored payee data set, and obtaining a payee code corresponding to the payee user information from a prestored payee data set, and completing a code scanning payment operation according to the payee code, which specifically includes:
according to the matched payee position information, payee user information corresponding to the matched payee position information is obtained from a prestored payee code data set, and p undetermined payee codes corresponding to the payee user information are obtained from the prestored payee code data set; wherein p is more than or equal to 1;
when p is 1, completing the payment operation according to the payee cash register code unique ;
when p > 1, it is performed in any manner as follows:
the method comprises presenting the p payee codes for selection, using the selected payee code as the matched payee code, and completing the payment operation according to the matched payee code, or
The second method comprises the following steps: and selecting a corresponding payee cash register code according to the payment system platform currently used by the user, and completing the payment operation according to the payee cash register code.
Step , if there is matching payee location information, acquiring a corresponding payee cash code from a prestored payee code data set, and completing a code scanning payment operation according to the payee cash code, which specifically includes:
inquiring and acquiring a corresponding payee cash register code in a prestored cash register code set according to the matched payee position information, and generating a corresponding payment request according to the payee cash register code;
and sending the payment request to the server so that the server transfers the target amount to a receiving account corresponding to the payee cash register.
Further , the sending the payment request to the server, so that the server transfers the target amount to a receiving account corresponding to the payee barcode, specifically includes:
and sending the payment request to the server, so that the server deducts the target amount from the payment account corresponding to the payer and then draws the target amount into the receiving account corresponding to the payee receiving code.
Step , if there is matching payee location information, acquiring a corresponding payee cash code from a prestored payee code data set, and completing a code scanning payment operation according to the payee cash code, which specifically includes:
inquiring and acquiring a corresponding payee cash register code in a prestored cash register code set according to the matched payee position information, and generating a corresponding payment request according to the payee cash register code;
and sending the payment request to a target platform server corresponding to the payee cash receiving code so that the target platform server deducts the target amount from the payment account corresponding to the payer and then transfers the target amount into the receiving account corresponding to the payee cash receiving code.
, the payer position information is payer coordinate information, the payer coordinate information is three-dimensional coordinate information, the payee position information is payee coordinate information, and the payee coordinate information is three-dimensional coordinate information.
, the payee codes include codes for different payment system platforms and codes for all payment system platforms.
Step , after determining that there is no matching payee location information, further comprising:
the collection code acquisition request comprises payer position information and payer payment system label information;
the sending of the receiving code obtaining request to a server so that the server obtains a corresponding receiving party receiving code from a receiving code database preset by the server according to the position information of the paying party in the receiving code obtaining request specifically comprises:
and sending the collection code acquisition request to a server, so that the server acquires a corresponding -only matched collection code of the collection party from a collection code database preset by the server according to the position information of the payment party and the label information of the payment system of the payment party in the collection code acquisition request.
Step , the receiving the payee passcode sent by the server and completing the payment operation according to the payee passcode specifically includes:
receiving the payee cash register code sent by the server, and generating a corresponding payment request according to the payee cash register code;
and sending the payment request to the server so that the server transfers the target amount to a receiving account corresponding to the payee cash register.
Further , the sending the payment request to the server, so that the server transfers the target amount to a receiving account corresponding to the payee barcode, specifically includes:
and sending the payment request to the server, so that the server deducts the target amount from the payment account corresponding to the payee cash code, and then draws the target amount into the receiving account corresponding to the payee cash code.
Step , the receiving the payee passcode sent by the server and completing the payment operation according to the payee passcode specifically includes:
receiving the payee cash register code sent by the server, and generating a corresponding payment request according to the payee cash register code;
and sending the payment request to a target platform server corresponding to the payee cash register code so that the target platform server transfers the target amount to a receiving account corresponding to the payee cash register code.
Step , the sending the receiving code obtaining request to a server, so that the server obtains a corresponding receiving party receiving code from a receiving party code database preset by the server according to the position information of the paying party in the receiving code obtaining request specifically includes:
the receiving code obtaining request is sent to a server side, so that the server side obtains corresponding receiving side user information and a receiving side receiving code from a receiving side code database preset by the server side according to the position information of a paying side in the receiving code obtaining request;
correspondingly, the forming of the corresponding relationship between the payer position information as payee position information and the payee receipt code sent by the server and storing the payer position information and the receipt code in a local receipt code data set specifically includes:
and taking the position information of the payer as position information of a payee, receiving user information of the payee and payee codes sent by the server, and storing the corresponding relation into a local payee code data set, wherein each payee position information corresponds to payee user information, and each payee user information corresponds to at least payee codes.
, after the storing the payer position information as payee position information and the payee code forming a corresponding relationship to a local payee code data set, further comprising:
sending a data updating request;
receiving data corresponding to the local collection code data set in a collection code database preset by a server;
and correspondingly updating data corresponding to a collection code database preset by the receiving server in the local collection code data set.
Correspondingly, the embodiment of the invention also provides code scanning payment devices based on positions, which specifically comprise:
the payment position acquisition module is used for responding to code scanning payment request operation and acquiring position information of a payer;
the position information matching judgment module is used for judging whether position information of a payee matched with the position information of the paying party exists in a prestored payee code data set or not;
the payee code local acquisition and payment module is used for acquiring a corresponding payee code from a prestored payee code data set if matched payee position information exists, and completing code scanning payment operation according to the payee code;
the remote payee code acquisition, payment and storage module is used for generating a corresponding payee code acquisition request according to the payer position information if no matched payee position information exists; sending the receiving code acquisition request to a server so that the server can acquire a corresponding receiving party receiving code from a receiving code database preset by the server according to the position information of a paying party in the receiving code acquisition request; receiving the payee cash register code sent by the server, and completing payment operation according to the payee cash register code; and forming a corresponding relation between the payer position information serving as payee position information and a payee cash receiving code sent by the server and storing the corresponding relation into a local cash receiving code data set.
, the location information match determination module is further configured to:
calculating to obtain the similarity between the position information of the payer and the position information of each prestored payee, and judging whether the similarity which is greater than a preset threshold exists or not;
if n similarity degrees which are larger than a preset threshold value exist, matching payee position information exists, and the n payee position information corresponding to the n similarity degrees is payee position information to be matched; wherein n is more than or equal to 1;
and if the similarity larger than the preset threshold does not exist, matching payee position information does not exist.
, the position information matching judgment module is used for judging that the matched payee position information exists,
when n is 1, the payee position information corresponding to the similarity greater than the preset threshold of the unique is used as the matched payee position information;
when n > 1, it is performed in any manner as follows:
manner of presenting the n payee location information for selection and using the selected payee location information as matching payee location information, or
The second method comprises the following steps: and according to the similarity ranking, the payee position information with the maximum similarity in the n similarities is used as the matched payee position information.
, the payee location information includes payee user information.
, in the prestored payee code data set, each payee location information corresponds to payee user information, and each payee user information corresponds to at least payee codes;
the cash register local acquisition and payment module, further , is configured to:
and if the matched payee position information exists, acquiring payee user information corresponding to the matched payee position information from a prestored payee code data set, acquiring a payee code corresponding to the payee user information from the prestored payee code data set, and finishing code scanning payment operation according to the payee code.
, the collection codebook based acquisition and payment module, is further configured to:
inquiring the prestored payee code data set according to the matched payee position information to obtain p payee codes to be determined; wherein p is more than or equal to 1;
when p is 1, completing the payment operation according to the payee cash register code unique ;
when p > 1, it is performed in any manner as follows:
the method comprises presenting the p payee codes for selection, using the selected payee code as the matched payee code, and completing the payment operation according to the matched payee code, or
The second method comprises the following steps: and selecting a corresponding payee cash register code according to the payment system platform currently used by the user, and completing the payment operation according to the payee cash register code.
, the collection codebook based acquisition and payment module, is further configured to:
according to the matched payee position information, payee user information corresponding to the matched payee position information is obtained from a prestored payee code data set, and p undetermined payee codes corresponding to the payee user information are obtained from the prestored payee code data set; wherein p is more than or equal to 1;
when p is 1, completing the payment operation according to the payee cash register code unique ;
when p > 1, it is performed in any manner as follows:
the method comprises presenting the p payee codes for selection, using the selected payee code as the matched payee code, and completing the payment operation according to the matched payee code, or
The second method comprises the following steps: and selecting a corresponding payee cash register code according to the payment system platform currently used by the user, and completing the payment operation according to the payee cash register code.
, the collection codebook based acquisition and payment module, is further configured to:
inquiring and acquiring a corresponding payee cash register code in a prestored cash register code set according to the matched payee position information, and generating a corresponding payment request according to the payee cash register code;
and sending the payment request to the server so that the server transfers the target amount to a receiving account corresponding to the payee cash register.
, the collection codebook based acquisition and payment module, is further configured to:
and sending the payment request to the server, so that the server deducts the target amount from the payment account corresponding to the payer and then draws the target amount into the receiving account corresponding to the payee receiving code.
, the collection codebook based acquisition and payment module, is further configured to:
inquiring and acquiring a corresponding payee cash register code in a prestored cash register code set according to the matched payee position information, and generating a corresponding payment request according to the payee cash register code;
and sending the payment request to a target platform server corresponding to the payee cash receiving code so that the target platform server deducts the target amount from the payment account corresponding to the payer and then transfers the target amount into the receiving account corresponding to the payee cash receiving code.
, the payer position information is payer coordinate information, the payer coordinate information is three-dimensional coordinate information, the payee position information is payee coordinate information, and the payee coordinate information is three-dimensional coordinate information.
, the payee codes include codes for different payment system platforms and codes for all payment system platforms.
, the payee code acquisition request includes payer location information and payer payment system tag information;
the remote payee code acquisition, payment and storage module is used for :
and sending the collection code acquisition request to a server, so that the server acquires a corresponding -only matched collection code of the collection party from a collection code database preset by the server according to the position information of the payment party and the label information of the payment system of the payment party in the collection code acquisition request.
, the remote checkout, pay, and store module, being configured to:
receiving the payee cash register code sent by the server, and generating a corresponding payment request according to the payee cash register code;
and sending the payment request to the server so that the server transfers the target amount to a receiving account corresponding to the payee cash register.
, the remote checkout, pay, and store module, being configured to:
and sending the payment request to the server, so that the server deducts the target amount from the payment account corresponding to the payee cash code, and then draws the target amount into the receiving account corresponding to the payee cash code.
, the remote checkout, pay, and store module, being configured to:
receiving the payee cash register code sent by the server, and generating a corresponding payment request according to the payee cash register code;
and sending the payment request to a target platform server corresponding to the payee cash register code so that the target platform server transfers the target amount to a receiving account corresponding to the payee cash register code.
, the remote checkout, pay, and store module, being configured to:
sending the collection code acquisition request to a server, so that the server acquires corresponding collection party user information and collection party collection codes from a collection code database preset by the server according to the position information of the payment party in the collection code acquisition request; and the number of the first and second groups,
and taking the position information of the payer as position information of a payee, receiving user information of the payee and payee codes sent by the server, and storing the corresponding relation into a local payee code data set, wherein each payee position information corresponds to payee user information, and each payee user information corresponds to at least payee codes.
, the remote checkout, pay, and store module, being configured to:
sending a data updating request;
receiving data corresponding to the local collection code data set in a collection code database preset by a server;
and correspondingly updating data corresponding to a collection code database preset by the receiving server in the local collection code data set.
Correspondingly, the embodiment of the invention also provides code-scanning payment systems based on positions, which specifically comprise at least payer clients and a server;
the payer client is a location-based code-scanning payment device as described in any of the embodiments above.
The embodiment of the present invention further provides apparatuses, which specifically include a processor, a memory, and a computer program stored in the memory and configured to be executed by the processor, wherein the processor, when executing the computer program, implements the position-based code scanning payment method as described in any embodiment above.
The embodiment of the present invention further provides computer-readable storage media, which particularly includes a stored computer program, where the computer program is executed to perform the position-based code scanning payment method as described in any embodiment above.
The implementation of the embodiment of the invention has the following beneficial effects:
the code scanning payment method, the device, the system, the equipment and the readable storage medium based on the position, provided by the embodiment of the invention, have the advantages that code data sets are configured in advance at a payer client, the position information of each payee and the codes are correspondingly stored, so that a payer only needs to judge whether payee position information matched with the position information of a payer exists in the prestored code data sets when paying, if the matched payee position information exists, the corresponding payee codes can be quickly obtained, and corresponding payment is completed, if the matched payee position information does not exist, a corresponding payee code obtaining request can be generated according to the position information of the payer, the payee code obtaining request is sent to a server, so that the server obtains the corresponding payee codes from a payee code database preset by the server according to the position information of the payer in the payee code obtaining request, the payee codes sent by the server are received, and the corresponding payment processes are greatly improved, and the payment process can be greatly improved due to the fact that the payee codes are obtained by the client through self-matched with the position information or the payee code obtaining by the server, and the payment process can be greatly improved by replacing the payment process by the payer and the payment process by the payment method, the device and the device can be greatly improved in a plurality of the payment process, and the payment process can be greatly improved when the payment process can be greatly improved by the payment process.
Drawings
FIG. 1 is a schematic flow chart diagram of preferred embodiments of the location-based code-scanning payment method provided by the present invention;
FIG. 2 is a schematic diagram of the construction of preferred embodiments of the location-based code-scanning payment device provided by the present invention;
FIG. 3 is a schematic block diagram of preferred embodiments of the location-based code-scanning payment system provided by the present invention;
fig. 4 is a schematic structural diagram of preferred embodiments of the location-based code-scanning payment device provided by the invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be described clearly and completely with reference to the accompanying drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only partial embodiments of , but not all embodiments.
As shown in fig. 1, a schematic flowchart of preferred embodiments of location-based code-scanning payment methods provided by the present invention is applicable to a payer client, and includes steps S11 to S14, which are as follows:
s11: responding to the code scanning payment request operation, and acquiring position information of a payer;
s12: judging whether payee position information matched with the payer position information exists in a prestored payee code data set or not;
s13: if the matched payee position information exists, acquiring a corresponding payee cash code from a prestored cash code data set, and completing code scanning payment operation according to the payee cash code;
s14: if no matched payee position information exists, generating a corresponding payee code acquisition request according to the payer position information; sending the receiving code acquisition request to a server so that the server can acquire a corresponding receiving party receiving code from a receiving code database preset by the server according to the position information of a paying party in the receiving code acquisition request; receiving the payee cash register code sent by the server, and completing payment operation according to the payee cash register code; and forming a corresponding relation between the payer position information serving as payee position information and a payee cash receiving code sent by the server and storing the corresponding relation into a local cash receiving code data set.
Specifically, in step S11, when the payer requests to realize payment through code scanning (payee code) through the payer client, the payer triggers obtaining of the current location information to determine whether the payee location information and the corresponding payee code are stored locally, so as to obtain the code scanning payment. It can be understood that the present embodiment is based on a code-scanning payment request operation that the payer lifts at the payee's location, and thus can obtain matching payee location information from the local based on the payer's current location information. In addition, the pre-stored payee codes are correspondingly stored based on the payee position information, so that the corresponding payee codes can be obtained by acquiring the payee position information. The payer is usually a consumer, and the payer client is usually a mobile phone, a tablet computer, other mobile devices, and the like of the consumer.
It should be noted that the payer location information is payer coordinate information, and the payer coordinate information is three-dimensional coordinate information, where the three-dimensional coordinate information includes longitude, latitude, and altitude. The payee position information is payee coordinate information, the payee coordinate information is three-dimensional coordinate information, and the three-dimensional coordinate information comprises longitude, latitude and altitude.
In some specific embodiments , the payment location information may also be location information, multidimensional coordinate information, etc., and the payee location information may also be location information, multidimensional coordinate information, etc., which are not limited herein.
In addition, the "payment code" mentioned in the embodiment of the present invention is preferably a two-dimensional code, and is used for payment by a payee (merchant), where the payee payment code includes payment codes of different payment system platforms and also includes payment codes applicable to all payment system platforms. The payment system platform may be a wechat platform, a paypal platform, a mei-gang payment platform, or a unionpay platform, and the like, which is not limited herein.
In preferred embodiments, the step S12, which is to determine whether there is matching payee location information by calculating the similarity between the payer location information and each of the prestored payee location information, specifically includes steps S121 to S123:
s121: calculating to obtain the similarity between the position information of the payer and the position information of each prestored payee, and judging whether the similarity which is greater than a preset threshold exists or not;
s122: if n similarity degrees which are larger than a preset threshold value exist, matching payee position information exists, and the n payee position information corresponding to the n similarity degrees is payee position information to be matched; wherein n is more than or equal to 1; and
s123: and if the similarity larger than the preset threshold does not exist, matching payee position information does not exist.
In preferred embodiments, after determining that there is matching payee location information (i.e., n ≧ 1), step S122 further includes:
and S1221, when n is 1, the payee position information corresponding to the similarity of the unique greater than the preset threshold value is used as the matched payee position information.
In this embodiment, when the payer client locally obtains the payee location information that only similarity is greater than the preset threshold, the payee location information is determined to be the payee location information of only payee (merchant).
In another preferred embodiments, after determining that there is matching payee location information (i.e., n ≧ 1), the step S122 further includes:
s1222: and when n is larger than 1, presenting the n payee position information for selection, and taking the selected payee position information as the matched payee position information.
In this embodiment, when there are more than payee location information having a similarity greater than a preset threshold acquired locally by the payer client, the acquired payee location information is presented to the payer for selection, the payer determines and selects the optimal and best matching payee location information, and the payee location information selected by the payee is used as the matching payee location information.
In another preferred embodiments, after determining that there is matching payee location information (i.e., n ≧ 1), the step S122 further includes:
s1223: and when n is larger than 1, according to the similarity sequence, taking the payee position information with the maximum similarity in the n similarities as the matched payee position information.
In this embodiment, when there are more than payee location information having a similarity greater than a preset threshold acquired locally by the payer client, the payer client determines the optimal and best-matched payee location information by itself.
In preferred embodiments, after determining that there is matching payee location information, the step S13 specifically includes steps S131 to S132:
s131: acquiring a corresponding payee cash code from a prestored cash code data set according to the matched payee position information;
s132: and finishing code scanning payment operation according to the payee code.
In preferred embodiments, according to the matched payee location information, querying the pre-stored payee code data set to obtain p pending payee codes (p ≧ 1), where step S131 further includes:
and S1311, when p is 1, the unique payee code is used as a matched payee code.
In this embodiment, when the payer client obtains locally a only payee receive code, the payee receive code is determined to be only payee (merchant) receive code.
In another preferred embodiment, according to the matching payee location information, querying the prestored payee code data set to obtain p pending payee codes (p ≧ 1), where step S131 further includes:
s1312: and when p is larger than 1, presenting the p payee cash codes for selection, and taking the selected payee cash codes as matched payee cash codes.
In this embodiment, when the payor client has more than pending payee codes obtained locally, the obtained payee codes are presented to the payor for selection, the payor determines and selects the best, best matching payee code, and the payee code selected by the payor is taken as the matching payee code.
In a preferred embodiment of , the method further includes, according to the matching payee location information, querying the prestored payee code data set to obtain p pending payee codes (p ≧ 1), where step S131 further includes:
s1313: and when p is larger than 1, selecting the corresponding payee cash register code as the matched payee cash register code according to the payment system platform currently used by the user.
In this embodiment, when there are more than pending payee codes obtained locally by the payer client, the payer client determines the optimal and best matching payee code by itself.
In preferred embodiments, the step S131, further includes:
and acquiring payee user information corresponding to the matched payee position information from a prestored payee code data set according to the matched payee position information, and acquiring a payee code corresponding to the payee user information from a prestored payee code data set.
In the pre-stored collection code data set, each collection location information corresponds to collection user information, and each collection user information corresponds to at least collection codes.
In preferred embodiments, the step S132 specifically includes the steps S1321 to S1322:
s1321: generating a corresponding payment request according to the payee code;
s1322: and sending the payment request to the server so that the server transfers the target amount to a receiving account corresponding to the payee cash register.
In preferred embodiments, the step S1322, step includes:
s13221: and sending the payment request to the server, so that the server deducts the target amount from the payment account corresponding to the payer and then draws the target amount into the receiving account corresponding to the payee receiving code.
In another preferred embodiment of , the step S1322, step includes:
s13222: and sending the payment request to a target platform server corresponding to the payee cash receiving code so that the target platform server deducts the target amount from the payment account corresponding to the payer and then transfers the target amount into the receiving account corresponding to the payee cash receiving code.
In preferred embodiments, when it is determined that there is no matching payee location information, the step S14 specifically includes steps S141 to S144:
s141: generating a corresponding collection code acquisition request according to the position information of the payer;
s142: sending the receiving code acquisition request to a server so that the server can acquire a corresponding receiving party receiving code from a receiving code database preset by the server according to the position information of a paying party in the receiving code acquisition request;
s143: receiving the payee cash register code sent by the server, and completing payment operation according to the payee cash register code;
s144: and forming a corresponding relation between the payer position information serving as payee position information and a payee cash receiving code sent by the server and storing the corresponding relation into a local cash receiving code data set.
In preferred embodiments, the step S142, further includes:
s1421: and sending the collection code acquisition request to a server so that the server can acquire corresponding collection party user information and collection party collection codes from a collection code database preset by the server according to the position information of the payment party in the collection code acquisition request.
In this embodiment, the payee code database preset by the server is correspondingly stored based on payee location information, each payee location information corresponds to payee user information, and each payee user information corresponds to at least payee codes.
In preferred embodiments, the step S144 specifically includes:
and taking the position information of the payer as position information of a payee, receiving user information of the payee and payee codes sent by the server, and storing the corresponding relation into a local payee code data set, wherein each payee position information corresponds to payee user information, and each payee user information corresponds to at least payee codes.
In another preferred embodiment of , after step S14, the method further includes:
s151: sending a data updating request;
s152: receiving data corresponding to the local collection code data set in a collection code database preset by a server;
s153: and correspondingly updating data corresponding to a collection code database preset by the receiving server in the local collection code data set.
The server is provided with the latest payee position information of every payees and the corresponding payee codes, and when the payee codes corresponding to the payee position information prestored in the payer client are different from the payee codes corresponding to the payee position information matched with the payee position information prestored in the payer client in the server, the updating is needed.
It is understood that in the preferred embodiment, when the update is confirmed, only the payee code (at least codes) of the server needs to be downloaded to the payer client to replace the payee code corresponding to the payee location information.
It is understood that, as the trigger condition for sending the data update request in step S151, the update request may be periodically made by setting an update mechanism, or the update request may be sent based on a real-time trigger operation of the payer, which is not limited herein.
In each of the above embodiments of the present invention, payee code data sets are pre-configured at the payer client, and the position information and the payee codes of each payee are correspondingly stored, so that when the payer pays, only the payee position information matched with the payment position information is needed to be judged in the prestored payee code data sets, if the payee position information matched with the payment position information exists, the corresponding payee code can be rapidly obtained and corresponding payment is completed, if the matched payee position information does not exist, a corresponding payee code obtaining request can be generated according to the payment position information, the payee code obtaining request is sent to the server, so that the server obtains the corresponding payee code from the payee code database preset by the payer position information in the payee code obtaining request, receives the payee code sent by the server, completes corresponding payment, and obtains the payee code by the server according to the payer position information in the payee code obtaining request, and the corresponding payment is not needed to be subjected to the payment process through the client matching or through the wireless obtaining method such as the payee code and the server, so that the payee code can not be changed, the payee code can be greatly modified, and the payment process can be greatly improved when the payment process is carried out more and the payment process is greatly improved.
As shown in fig. 2, a schematic structural diagram of preferred embodiments of location-based code-scanning payment devices provided by the present invention specifically includes:
a payer
the position information matching
a collection code book acquisition and
the remote payee code acquisition, payment and
Specifically, in the payment
It should be noted that the payer location information is payer coordinate information, and the payer coordinate information is three-dimensional coordinate information, where the three-dimensional coordinate information includes longitude, latitude, and altitude. The payee position information is payee coordinate information, the payee coordinate information is three-dimensional coordinate information, and the three-dimensional coordinate information comprises longitude, latitude and altitude.
In some specific embodiments , the payment location information may also be location information, multidimensional coordinate information, etc., and the payee location information may also be location information, multidimensional coordinate information, etc., which are not limited herein.
In addition, the "payment code" mentioned in the embodiment of the present invention is preferably a two-dimensional code, and is used for payment by a payee (merchant), where the payee payment code includes payment codes of different payment system platforms and also includes payment codes applicable to all payment system platforms. The payment system platform may be a wechat platform, a paypal platform, a mei-gang payment platform, or a unionpay platform, and the like, which is not limited herein.
In preferred embodiments, the
the position information matching judgment sub-module 221: calculating to obtain the similarity between the position information of the payer and the position information of each prestored payee, and judging whether the similarity which is greater than a preset threshold exists or not;
the position information matching judgment sub-module 222: if n similarity degrees which are larger than a preset threshold value exist, matching payee position information exists, and the n payee position information corresponding to the n similarity degrees is payee position information to be matched; wherein n is more than or equal to 1;
the position information matching judgment sub-module 223: and if the similarity larger than the preset threshold does not exist, matching payee position information does not exist.
In preferred embodiments, after determining that there is matching payee location information (i.e. n ≧ 1), the location information matching determination submodule 222 further includes:
and when n is 1, the location information matching judgment subunit 2221 takes the payee location information corresponding to the similarity greater than the preset threshold of the unique as the matched payee location information.
In this embodiment, when the payer client locally obtains the payee location information that only similarity is greater than the preset threshold, the payee location information is determined to be the payee location information of only payee (merchant).
In another preferred embodiments, after determining that there is matching payee location information (i.e. n ≧ 1), the location information matching determination submodule 222 further includes:
the location information matching judgment subunit 2222: and when n is larger than 1, presenting the n payee position information for selection, and taking the selected payee position information as the matched payee position information.
In this embodiment, when there are more than payee location information having a similarity greater than a preset threshold acquired locally by the payer client, the acquired payee location information is presented to the payer for selection, the payer determines and selects the optimal and best matching payee location information, and the payee location information selected by the payee is used as the matching payee location information.
In another preferred embodiments, after determining that there is matching payee location information (i.e. n ≧ 1), the location information matching determination submodule 222 further includes:
the location information matching judgment subunit 2223: and when n is larger than 1, according to the similarity sequence, taking the payee position information with the maximum similarity in the n similarities as the matched payee position information.
In this embodiment, when there are more than payee location information having a similarity greater than a preset threshold acquired locally by the payer client, the payer client determines the optimal and best-matched payee location information by itself.
In preferred embodiments, after determining that there is matching payee location information, the codebook of payees obtaining and paying
the collection code local acquisition and payment sub-module 231: acquiring a corresponding payee cash code from a prestored cash code data set according to the matched payee position information;
the collection code local acquisition and payment submodule 232: and finishing code scanning payment operation according to the payee code.
In preferred embodiments, according to the matched payee location information, querying the pre-stored payee code data set to obtain p pending payee codes (p ≧ 1), where the payee code local acquisition and payment sub-module 231 further includes:
the payee code local get and pay subunit 2311, when p is 1, the unique payee code is the matching payee code.
In this embodiment, when the payer client obtains locally a only payee receive code, the payee receive code is determined to be only payee (merchant) receive code.
In another preferred embodiment, according to the matched payee location information, querying the pre-stored payee code data set to obtain p pending payee codes (p ≧ 1), where the payee code local acquisition and payment sub-module 231 further includes step :
the receive code local acquisition and payment subunit 2312: and when p is larger than 1, presenting the p payee cash codes for selection, and taking the selected payee cash codes as matched payee cash codes.
In this embodiment, when there are more than pending payee passcodes obtained locally by the payer client, the obtained payee passcodes are presented to the payer for selection, the payer determines and selects the best, best matching payee passcode, and the payee passcode selected by the payer is taken as the matching payee passcode.
In another preferred embodiment, according to the matched payee location information, querying the pre-stored payee code data set to obtain p pending payee codes (p ≧ 1), where the payee code local acquisition and payment sub-module 231 further includes:
the receive code local acquisition and payment subunit 2313: and when p is larger than 1, selecting the corresponding payee cash register code as the matched payee cash register code according to the payment system platform currently used by the user.
In this embodiment, when there are more than pending payee codes obtained locally by the payer client, the payer client determines the optimal and best matching payee code by itself.
In preferred embodiments, the checkout code local acquisition and payment submodule 231 further is configured to:
and acquiring payee user information corresponding to the matched payee position information from a prestored payee code data set according to the matched payee position information, and acquiring a payee code corresponding to the payee user information from a prestored payee code data set.
In the pre-stored collection code data set, each collection location information corresponds to collection user information, and each collection user information corresponds to at least collection codes.
In preferred embodiments, the cash register local acquisition and payment sub-module 232 further comprises:
payee code local acquisition and payment subunit 2321: generating a corresponding payment request according to the payee code;
payee code local acquisition and payment subunit 2322: and sending the payment request to the server so that the server transfers the target amount to a receiving account corresponding to the payee cash register.
In preferred embodiments, the checkout code local acquisition and payment subunit 2322, further :
and sending the payment request to the server, so that the server deducts the target amount from the payment account corresponding to the payer and then draws the target amount into the receiving account corresponding to the payee receiving code.
In another preferred embodiment, the checkout code local acquisition and payment subunit 2322, further is configured to:
and sending the payment request to a target platform server corresponding to the payee cash receiving code so that the target platform server deducts the target amount from the payment account corresponding to the payer and then transfers the target amount into the receiving account corresponding to the payee cash receiving code.
In preferred embodiments, after determining that there is no matching payee location information, the remote payee code acquisition, payment and
the receive code remote acquisition, payment and storage submodule 241: generating a corresponding collection code acquisition request according to the position information of the payer;
a cash register remote acquisition, payment and storage sub-module 242: sending the receiving code acquisition request to a server so that the server can acquire a corresponding receiving party receiving code from a receiving code database preset by the server according to the position information of a paying party in the receiving code acquisition request;
the receive code remote acquisition, payment and storage sub-module 243: receiving the payee cash register code sent by the server, and completing payment operation according to the payee cash register code;
a collection code remote acquisition, payment and storage sub-module 244: and forming a corresponding relation between the payer position information serving as payee position information and a payee cash receiving code sent by the server and storing the corresponding relation into a local cash receiving code data set.
In preferred embodiments, the checkout code remote acquisition, payment and storage sub-module 242 further provides for:
and sending the collection code acquisition request to a server so that the server can acquire corresponding collection party user information and collection party collection codes from a collection code database preset by the server according to the position information of the payment party in the collection code acquisition request.
In this embodiment, the payee code database preset by the server is correspondingly stored based on payee location information, each payee location information corresponds to payee user information, and each payee user information corresponds to at least payee codes.
In preferred embodiments, the checkout code remote acquisition, payment and storage submodule 244, further , is configured to:
and taking the position information of the payer as position information of a payee, receiving user information of the payee and payee codes sent by the server, and storing the corresponding relation into a local payee code data set, wherein each payee position information corresponds to payee user information, and each payee user information corresponds to at least payee codes.
In another preferred embodiment, at the checkout code remote acquisition, payment and
sending a data updating request;
receiving data corresponding to the local collection code data set in a collection code database preset by a server;
and correspondingly updating data corresponding to a collection code database preset by the receiving server in the local collection code data set.
The server is provided with the latest payee position information of every payees and the corresponding payee codes, and when the payee codes corresponding to the payee position information prestored in the payer client are different from the payee codes corresponding to the payee position information matched with the payee position information prestored in the payer client in the server, the updating is needed.
It is understood that in the preferred embodiment, when the update is confirmed, only the payee code (at least codes) of the server needs to be downloaded to the payer client to replace the payee code corresponding to the payee location information.
It is understood that as the trigger condition for sending the data update request, the update request may be periodically made by setting an update mechanism, or the update request may be sent based on a real-time trigger operation of the payer, which is not limited herein.
The position-based code scanning payment device provided by the embodiment of the invention has the advantages that code data sets are configured in advance at a payer client, the position information of each payee and the payee codes are correspondingly stored, so that a payer only needs to judge whether payee position information matched with the payment position information exists in the prestored payee data sets when paying, if the matched payee position information exists, the corresponding payee codes can be quickly obtained, and corresponding payment is completed, if the matched payee position information does not exist, a corresponding payee code obtaining request can be generated according to the payment position information, the payee code obtaining request is sent to a server, so that the server obtains the corresponding payee codes from a payee database preset by the server according to the payer position information in the payee code obtaining request, the corresponding payee codes sent by the server are received, corresponding payment is completed, the corresponding payment codes are obtained by the payee codes sent by the server, the corresponding payment codes are obtained by the client in a wireless mode such as matching with the payee codes of the client, the payment speed of the client is greatly increased, the payment process is greatly improved, and the payment process can be greatly improved by replacing the payment process due to the fact that the payee codes are not needed.
In addition, the location-based code scanning payment devices in the aforementioned arbitrary embodiment of the present invention can implement all processes of the location-based code scanning payment method described in the aforementioned arbitrary embodiment, and the functions and implemented technical effects of each module and unit in the device are respectively the same as those of the location-based code scanning payment method described in the aforementioned corresponding embodiment, and are not described herein again.
Correspondingly, the embodiment of the invention also provides code scanning payment systems based on positions.
As shown in fig. 3, a schematic structural diagram of preferred embodiments of the location-based code-scanning payment system provided by the present invention specifically includes at
the
The code scanning payment system based on the position, provided by the embodiment of the invention, has the advantages that code data sets are configured in advance at a payer client, the position information of each payee and the codes are stored correspondingly, so that a payer only needs to judge whether payee position information matched with the position information of the payer exists in the prestored code data sets when paying, if the payee position information matched with the payee position information exists, the corresponding payee codes can be quickly obtained, and corresponding payment is completed, if the matched payee position information does not exist, a corresponding payee code obtaining request can be generated according to the position information of the payer, the payee code obtaining request is sent to a server, so that the server obtains the corresponding payee codes from a payee code database preset by the server according to the position information of the payee codes in the payee code obtaining request, the payee codes sent by the server are received, the corresponding payment is completed, the corresponding payment is not needed, the payment process can be greatly improved, the payment process can be realized by replacing the payee codes by matching with the client or by a wireless communication mode with the service terminal, and the like, and the payment process can be greatly improved by the payment process due to the payment process which the payment can be greatly improved by the payment process which is not needed by the payment of the payment due to be falsified by the payee code scanning operation of the payment.
The present invention further provides apparatuses, as shown in fig. 4, which are schematic structural diagrams of preferred embodiments of the apparatuses provided in the present invention, and specifically include a
It should be noted that fig. 4 only illustrates that memories and processors in the device are connected, and in specific embodiments, the device may further include a plurality of memories and/or a plurality of processors, and the specific number and connection manner thereof may be set and adapted according to actual needs.
The position-based code scanning payment device provided by the embodiment of the invention has the advantages that code data sets are configured in advance at a payer client, the position information of each payee and the payee codes are stored correspondingly, so that a payer can quickly obtain the corresponding payee codes and finish corresponding payment only by judging whether payee position information matched with the payment position information exists in the prestored payee code data sets when paying, if the matched payee position information exists, the corresponding payee code acquisition request can be generated according to the payment position information, the payee code acquisition request is sent to a server, so that the server can obtain the corresponding payee code from a payee code database preset at the server according to the payee position information in the payee code acquisition request, the payee code sent by the server is received, the corresponding payment is completed, and the payment process can be improved due to the fact that the payee codes are acquired by matching with the client or acquired by interacting with the service terminal in a wireless mode, the payee code acquisition method and the like, the payment process can be changed into multiple payment codes, and the payment process can be improved by replacing the payee codes in sequence, and the payment process can be improved conveniently.
The embodiment of the present invention further provides computer-readable storage media, which particularly includes a stored computer program, where the computer program is executed to perform the position-based code-scanning payment method as described in any embodiment above.
It should be noted that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in computer readable storage medium, and the computer program can implement the steps of the embodiments of the methods described above when executed by a processor, wherein the computer program includes computer program code, which can be in source code form, object code form, executable file or some intermediate form, and the like.
The computer-readable storage medium provided by the embodiment of the invention is characterized in that payee code data sets are configured in advance at a payer client, and the position information and the payee codes of all payers are stored correspondingly, so that when a payer pays, whether payee position information matched with the payer position information exists in the prestored payee code data sets is judged, if the payee position information matched exists, the corresponding payee code can be quickly obtained, and corresponding payment is completed, if the matched payee position information does not exist, a corresponding payee code obtaining request can be generated according to the payer position information, the payee code obtaining request is sent to a server, so that the server obtains the corresponding payee code from a payee code database preset by the server according to the payer position information in the payee code obtaining request, receives the payee code sent by the server, completes corresponding payment, and the acquisition of the payee code is achieved, and the payment can be greatly improved due to the fact that the payee code obtaining is achieved by the matched client itself or the payee code obtaining by a wireless mode such as a service terminal and the like, the payment process can be greatly improved by replacing the payee code, and the payment process can be greatly improved by the payment process which is convenient to the payment process and the payment process can be greatly improved by the payment process which is not needed by the matching client side.
While the foregoing is directed to the preferred embodiment of the present invention, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention.
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