技术领域technical field
本发明涉及在线支付领域，尤其涉及在线支付处理方法、设备及计算机可读存储介质。The present invention relates to the field of online payment, in particular to an online payment processing method, device and computer-readable storage medium.
背景技术Background technique
随着智能终端技术和互联网技术的不断发展，在线支付已经成为一种常见的支付方式。无论是停车费、加油费、高速公路的通行费、车辆充电费，还是车辆租赁费等缴纳与车辆相关的费用均可实现在线支付。With the continuous development of smart terminal technology and Internet technology, online payment has become a common payment method. Whether it is parking fees, refueling fees, expressway tolls, vehicle charging fees, or vehicle rental fees, all vehicle-related expenses can be paid online.
目前，市场上存在多个支付平台，如支付宝、微信、财付通、各网银等，为用户提供多种支付方式，进而为用户的生活带来了极大的便利。用户只需通过终端上的应用与支付平台进行绑定，即可实现多种账单在线支付。由于绑定多个支付平台，因而当每一次请求账单在线支付时，均需要用户选择其中一个支付平台对账单上的费用进行支付，从而增加了用户在线支付的操作，降低了用户的支付体验。At present, there are multiple payment platforms in the market, such as Alipay, WeChat, Tenpay, various online banks, etc., which provide users with a variety of payment methods, thereby bringing great convenience to users' lives. Users only need to bind the payment platform through the application on the terminal to realize online payment of various bills. Due to the binding of multiple payment platforms, the user needs to select one of the payment platforms to pay the fee on the bill every time the online bill payment is requested, thereby increasing the user's online payment operations and reducing the user's payment experience.
发明内容Contents of the invention
本发明的主要目的在于提供一种在线支付处理方法、设备及计算机可读存储介质，旨在解决如何在存在多种支付方式的情况下，简化用户在线支付的操作的技术问题。The main purpose of the present invention is to provide an online payment processing method, device and computer-readable storage medium, aiming at solving the technical problem of how to simplify online payment operations for users when there are multiple payment methods.
为实现上述目的，本发明提供的一种在线支付处理方法，所述在线支付处理方法包括以下步骤：In order to achieve the above object, the present invention provides an online payment processing method, the online payment processing method includes the following steps:
监测是否存在在线支付账单的操作指令；Monitor whether there is an operation instruction to pay bills online;
若存在，则获取绑定车牌信息的多个支付平台；If it exists, obtain multiple payment platforms bound to the license plate information;
根据预设排序方式，对多个支付平台进行排序，其中，所述预设排序方式至少包括：用户设置的支付顺序、各支付平台的使用次数、各支付平台的优惠活动、账单收费方设置的优先级顺序中的任一种；According to the preset sorting method, the multiple payment platforms are sorted, wherein the preset sorting method at least includes: the payment sequence set by the user, the number of times each payment platform is used, the preferential activities of each payment platform, and the bill set by the charging party. any of the order of priority;
根据排在首位的支付平台对应的支付方式，对账单进行在线支付。Pay the bill online according to the payment method corresponding to the top payment platform.
优选地，所述根据预设排序方式，对多个支付平台进行排序包括：Preferably, said sorting the multiple payment platforms according to the preset sorting method includes:
当所述预设排序方式为用户设置的支付顺序时，查找数据库中是否存在用户自定义设置的支付顺序；When the preset sorting method is the payment sequence set by the user, it is searched whether there is a payment sequence set by the user in the database;
若存在，则基于所述支付顺序，对各支付平台进行排序。If it exists, sort the payment platforms based on the payment sequence.
优选地，所述根据预设排序方式，对多个支付平台进行排序包括：Preferably, said sorting the multiple payment platforms according to the preset sorting method includes:
当所述预设排序方式为各支付平台的使用次数时，获取用户在线支付的使用数据，以供分析得到各支付平台的使用次数；When the preset sorting method is the number of times of use of each payment platform, the use data of the user's online payment is obtained for analysis to obtain the number of times of use of each payment platform;
基于所述使用次数的大小，对各支付平台进行排序。Based on the size of the number of times of use, the payment platforms are sorted.
优选地，所述根据预设排序方式，对多个支付平台进行排序包括：Preferably, said sorting the multiple payment platforms according to the preset sorting method includes:
当所述预设排序方式为各平台支付的优惠活动时，获取各支付平台的优惠活动信息，其中，所述优惠活动信息至少包括折扣、积分、返利中的任一种；When the preset sorting method is the preferential activity paid by each platform, obtain the preferential activity information of each payment platform, wherein the preferential activity information includes at least any one of discounts, points, and rebates;
对所述优惠活动信息进行分析，得到所述账单对应的各支付平台的优惠力度；Analyzing the preferential activity information to obtain the preferential strength of each payment platform corresponding to the bill;
基于所述优惠力度的大小，对各支付平台进行排序。Based on the magnitude of the preferential strength, the payment platforms are sorted.
优选地，所述根据排序方式对多个支付平台进行排序包括：Preferably, said sorting multiple payment platforms according to the sorting method includes:
当所述预设排序方式为账单收费方设置的优先级顺序时，获取账单收费方设置的优先级顺序；When the preset sorting method is the priority sequence set by the bill charging party, acquiring the priority sequence set by the bill charging party;
基于所述优先级顺序，对各支付平台进行排序。Based on the priority order, the payment platforms are sorted.
优选地，在所述根据预设排序方式，对多个支付平台进行排序之前，所述在线支付处理方法还包括：Preferably, before sorting the multiple payment platforms according to the preset sorting method, the online payment processing method further includes:
监测是否获得所述预设排序方式的授权；monitoring whether the authorization of the preset sorting method is obtained;
若是，则执行所述根据预设排序方式，对多个支付平台进行排序的操作；If so, perform the operation of sorting multiple payment platforms according to the preset sorting method;
若否，则弹出选择窗口，以供用户选择是否授权所述预设排序方式。If not, a selection window pops up for the user to choose whether to authorize the preset sorting method.
优选地，在所述根据预设排序方式，对多个支付平台进行排序之前，所述在线支付处理方法还包括：Preferably, before sorting the multiple payment platforms according to the preset sorting method, the online payment processing method further includes:
监测是否存在用户和/或账单收费方屏蔽的支付平台；Monitor for payment platforms blocked by users and/or billers;
若是，则将该支付平台剔除在排序之外。If so, the payment platform is excluded from the sorting.
优选地，在所述根据排在首位的支付平台对应的支付方式，对账单进行在线支付之后，所述在线支付处理方法还包括：Preferably, after performing online payment on the bill according to the payment method corresponding to the top payment platform, the online payment processing method further includes:
监测当前账单支付是否存在异常；Monitor whether there is any abnormality in the current bill payment;
当当前账单支付存在异常时，按顺序自动跳转到下一个支付方式进行在线支付；或按顺序中多个支付方式进行组合并在线支付。When there is an abnormality in the current bill payment, it will automatically jump to the next payment method in sequence for online payment; or combine multiple payment methods in sequence and pay online.
此外，为实现上述目的，本发明还提供一种支付设备，所述支付设备包括：存储器、处理器以及存储在所述存储器上并可在所述处理器上运行的在线支付处理程序，所述在线支付处理程序被所述处理器执行时实现如上述任一项所述的在线支付处理方法的步骤。In addition, in order to achieve the above object, the present invention also provides a payment device, which includes: a memory, a processor, and an online payment processing program stored in the memory and operable on the processor, the When the online payment processing program is executed by the processor, the steps of the online payment processing method described in any one of the above are realized.
此外，为实现上述目的，本发明还提供一种计算机可读存储介质，所述计算机可读存储介质上存储有在线支付处理程序，所述在线支付处理程序被处理器执行时实现如上述任一项所述的在线支付处理方法的步骤。In addition, in order to achieve the above object, the present invention also provides a computer-readable storage medium, on which an online payment processing program is stored, and when the online payment processing program is executed by a processor, any one of the above-mentioned The steps of the online payment processing method described in item.
本发明首先通过监测是否存在在线支付账单的操作指令；若存在，则获取绑定车牌信息的多个支付平台，其次根据预设排序方式，对多个支付平台进行排序，最后根据排在首位的支付平台对应的支付方式，对账单进行在线支付。其中，预设排序方式至少包括：用户设置的支付顺序、各支付平台的使用次数、各支付平台的优惠活动、账单收费方设置的优先级顺序中的任一种。本发明能够在支付账单时，对绑定的多个支付平台进行排序，进而自动选择最优的支付方式对账单进行在线支付，避免额外增加用户的支付操作，进而提高了用户的支付体验。The present invention first monitors whether there is an operation instruction for online payment of bills; if it exists, obtains multiple payment platforms bound to the license plate information, then sorts the multiple payment platforms according to the preset sorting method, and finally sorts the multiple payment platforms according to the first The payment method corresponding to the payment platform is used to pay the bill online. Wherein, the preset sorting method at least includes: any one of the payment sequence set by the user, the usage times of each payment platform, the preferential activities of each payment platform, and the priority order set by the bill charging party. The invention can sort the bound multiple payment platforms when paying the bills, and then automatically select the optimal payment method to pay the bills online, avoiding additional payment operations of the user, and further improving the payment experience of the user.
附图说明Description of drawings
图1为本发明实施例方案涉及的支付设备运行环境的结构示意图；Fig. 1 is a schematic structural diagram of the operating environment of the payment device involved in the solution of the embodiment of the present invention;
图2为本发明在线支付处理方法一实施例的流程示意图；Fig. 2 is a schematic flow chart of an embodiment of the online payment processing method of the present invention;
图3为图2步骤S30一实施例的细化流程示意图；FIG. 3 is a schematic diagram of a refinement process of an embodiment of step S30 in FIG. 2;
图4为本发明在线支付处理方法一较佳实施例的细化流程示意图。Fig. 4 is a schematic diagram of a detailed flowchart of a preferred embodiment of the online payment processing method of the present invention.
本发明目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。The realization of the purpose of the present invention, functional characteristics and advantages will be further described in conjunction with the embodiments and with reference to the accompanying drawings.
具体实施方式Detailed ways
应当理解，此处所描述的具体实施例仅用以解释本发明，并不用于限定本发明。It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.
参照图1，图1为本发明实施例方案涉及的支付设备运行环境的结构示意图。Referring to Fig. 1, Fig. 1 is a schematic structural diagram of the operating environment of the payment device involved in the solution of the embodiment of the present invention.
本发明实施例支付设备可以是诸如手机、平板电脑、笔记本电脑、掌上电脑、个人数字助理(Personal Digital Assistant，PDA)、导航装置等具有访问网络、绑定支付平台、支付账单等功能的设备。The payment device in the embodiment of the present invention can be a device with functions such as mobile phone, tablet computer, notebook computer, palmtop computer, personal digital assistant (Personal Digital Assistant, PDA), navigation device, etc., which has the functions of accessing the network, binding the payment platform, and paying bills.
如图1所示，该支付设备可以包括：处理器1001，例如CPU，通信总线1002、用户接口1003，网络接口1004，存储器1005。其中，通信总线1002用于实现这些组件之间的连接通信。用户接口1003可以包括显示屏(Display)、输入单元比如键盘(Keyboard)，网络接口1004可选的可以包括标准的有线接口、无线接口(如WI-FI接口)。存储器1005可以是高速RAM存储器，也可以是稳定的存储器(non-volatile memory)，例如磁盘存储器。存储器1005可选的还可以是独立于前述处理器1001的存储装置。As shown in FIG. 1 , the payment device may include: a processor 1001 , such as a CPU, a communication bus 1002 , a user interface 1003 , a network interface 1004 , and a memory 1005 . Wherein, the communication bus 1002 is used to realize connection and communication between these components. The user interface 1003 may include a display screen (Display) and an input unit such as a keyboard (Keyboard), and the network interface 1004 may optionally include a standard wired interface or a wireless interface (such as a WI-FI interface). The memory 1005 can be a high-speed RAM memory, or a stable memory (non-volatile memory), such as a disk memory. Optionally, the memory 1005 may also be a storage device independent of the aforementioned processor 1001 .
本领域技术人员可以理解，图1中示出的支付设备的硬件结构并不构成对机顶盒的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。Those skilled in the art can understand that the hardware structure of the payment device shown in Figure 1 does not constitute a limitation on the set-top box, and may include more or less components than those shown in the illustration, or combine certain components, or arrange different components .
如图1所示，作为一种计算机可读存储介质的存储器1005中可以包括操作系统、网络通信模块、用户接口模块以及计算机程序。其中，操作系统是管理和控制支付设备和软件资源的程序，支持在线支付处理程序以及其它软件和/或程序的运行。As shown in FIG. 1 , the memory 1005 as a computer-readable storage medium may include an operating system, a network communication module, a user interface module and computer programs. Wherein, the operating system is a program that manages and controls payment equipment and software resources, and supports the operation of online payment processing programs and other software and/or programs.
在图1所示的支付设备的硬件结构中，网络接口1004主要用于接入网络；用户接口1003主要用于侦测确认指令和编辑指令等。而处理器1001可以用于调用存储器1005中存储的在线支付处理程序，并执行以下操作：In the hardware structure of the payment device shown in FIG. 1 , the network interface 1004 is mainly used for accessing the network; the user interface 1003 is mainly used for detecting confirmation instructions and editing instructions. The processor 1001 can be used to call the online payment processing program stored in the memory 1005, and perform the following operations:
监测是否存在在线支付账单的操作指令；Monitor whether there is an operation instruction to pay bills online;
若存在，则获取绑定车牌信息的多个支付平台；If it exists, obtain multiple payment platforms bound to the license plate information;
根据预设排序方式，对多个支付平台进行排序，其中，所述预设排序方式至少包括：用户设置的支付顺序、各支付平台的使用次数、各支付平台的优惠活动、账单收费方设置的优先级顺序中的任一种；According to the preset sorting method, the multiple payment platforms are sorted, wherein the preset sorting method at least includes: the payment sequence set by the user, the number of times each payment platform is used, the preferential activities of each payment platform, and the bill set by the charging party. any of the order of priority;
根据排在首位的支付平台对应的支付方式，对账单进行在线支付。Pay the bill online according to the payment method corresponding to the top payment platform.
进一步地，所述支付设备通过处理器1001调用存储器1005中存储的在线支付处理程序，以执行下述操作：Further, the payment device invokes the online payment processing program stored in the memory 1005 through the processor 1001 to perform the following operations:
当所述预设排序方式为用户设置的支付顺序时，查找数据库中是否存在用户自定义设置的支付顺序；When the preset sorting method is the payment sequence set by the user, it is searched whether there is a payment sequence set by the user in the database;
若存在，则基于所述支付顺序，对各支付平台进行排序。If it exists, sort the payment platforms based on the payment order.
进一步地，所述支付设备通过处理器1001调用存储器1005中存储的在线支付处理程序，以执行下述操作：Further, the payment device invokes the online payment processing program stored in the memory 1005 through the processor 1001 to perform the following operations:
当所述预设排序方式为各支付平台的使用次数时，获取用户在线支付的使用数据，以供分析得到各支付平台的使用次数；When the preset sorting method is the number of times of use of each payment platform, the use data of the user's online payment is obtained for analysis to obtain the number of times of use of each payment platform;
基于所述使用次数的大小，对各支付平台进行排序。Based on the size of the number of times of use, the payment platforms are sorted.
进一步地，所述支付设备通过处理器1001调用存储器1005中存储的在线支付处理程序，以执行下述操作：Further, the payment device invokes the online payment processing program stored in the memory 1005 through the processor 1001 to perform the following operations:
当所述预设排序方式为各平台支付的优惠活动时，获取各支付平台的优惠活动信息，其中，所述优惠活动信息至少包括折扣、积分、返利中的任一种；When the preset sorting method is the preferential activity paid by each platform, obtain the preferential activity information of each payment platform, wherein the preferential activity information includes at least any one of discounts, points, and rebates;
对所述优惠活动信息进行分析，得到所述账单对应的各支付平台的优惠力度；Analyzing the preferential activity information to obtain the preferential strength of each payment platform corresponding to the bill;
基于所述优惠力度的大小，对各支付平台进行排序。Based on the magnitude of the preferential strength, the payment platforms are sorted.
进一步地，所述支付设备通过处理器1001调用存储器1005中存储的在线支付处理程序，以执行下述操作：Further, the payment device invokes the online payment processing program stored in the memory 1005 through the processor 1001 to perform the following operations:
当所述预设排序方式为账单收费方设置的优先级顺序时，获取账单收费方设置的优先级顺序；When the preset sorting method is the priority sequence set by the bill charging party, acquiring the priority sequence set by the bill charging party;
基于所述优先级顺序，对各支付平台进行排序。Based on the priority order, the payment platforms are sorted.
进一步地，所述支付设备通过处理器1001调用存储器1005中存储的在线支付处理程序，以执行下述操作：Further, the payment device invokes the online payment processing program stored in the memory 1005 through the processor 1001 to perform the following operations:
监测是否获得所述预设排序方式的授权；monitoring whether the authorization of the preset sorting method is obtained;
若是，则执行所述根据预设排序方式，对多个支付平台进行排序的操作；If so, perform the operation of sorting multiple payment platforms according to the preset sorting method;
若否，则弹出选择窗口，以供用户选择是否授权所述预设排序方式。If not, a selection window pops up for the user to choose whether to authorize the preset sorting method.
进一步地，所述支付设备通过处理器1001调用存储器1005中存储的在线支付处理程序，以执行下述操作：Further, the payment device invokes the online payment processing program stored in the memory 1005 through the processor 1001 to perform the following operations:
监测是否存在用户和/或账单收费方屏蔽的支付平台；Monitor for payment platforms blocked by users and/or billers;
若是，则将该支付平台剔除在排序之外。If so, the payment platform is excluded from the sorting.
进一步地，所述支付设备通过处理器1001调用存储器1005中存储的在线支付处理程序，以执行下述操作：Further, the payment device invokes the online payment processing program stored in the memory 1005 through the processor 1001 to perform the following operations:
监测当前账单支付是否存在异常；Monitor whether there is any abnormality in the current bill payment;
当当前账单支付存在异常时，按顺序自动跳转到下一个支付方式进行在线支付；或按顺序中多个支付方式进行组合并在线支付。When there is an abnormality in the current bill payment, it will automatically jump to the next payment method in sequence for online payment; or combine multiple payment methods in sequence and pay online.
基于上述支付设备的硬件结构，提出本发明在线支付处理方法的各个实施例。Based on the above hardware structure of the payment device, various embodiments of the online payment processing method of the present invention are proposed.
参照图2，图2为本发明在线支付处理方法一实施例的流程示意图。Referring to FIG. 2 , FIG. 2 is a schematic flowchart of an embodiment of an online payment processing method according to the present invention.
本实施例中，在线支付处理方法包括：In this embodiment, the online payment processing method includes:
步骤S10，监测是否存在在线支付账单的操作指令；Step S10, monitoring whether there is an operation instruction for online bill payment;
本实施例中，在线支付是指买卖双方通过互联网上的电子渠道进行交易，并由银行为交易提供网上资金结算服务，也就是直接把资金从买方(用户)的账户转账到卖方的帐户，而不需要人工确认。它为企业和个人提供了一个安全、快捷、方便的电子商务应用环境和网上资金结算工具，进而帮助企业实现了销售款项的快速归集，缩短收款周期，同时也使用户真正实现免现金交易，进而避免用户找零或遇到假钞等情况。账单，顾名思义就是用户消费的账单，包括衣食住行等多个方面的消费，具体为与车辆相关的消费账单，比如停车费、加油费、高速公路的通行费、车辆充电费、车辆租赁费等等。存在在线支付账单的操作指令，也就是用户通过设备连接互联网，并对消费的账单进行在线支付的操作。进一步地，设备安装有相应的应用软件，启动该应用软件并通过移动通信网络建立通信连接，具体建立方式不限，进而可实现网络在线支付的功能。In this embodiment, online payment means that buyers and sellers conduct transactions through electronic channels on the Internet, and the bank provides online fund settlement services for transactions, that is, directly transfer funds from the account of the buyer (user) to the account of the seller, and No manual confirmation is required. It provides a safe, fast and convenient e-commerce application environment and online fund settlement tool for enterprises and individuals, and then helps enterprises to realize the rapid collection of sales funds, shorten the collection cycle, and at the same time enable users to truly realize cash-free transactions , so as to prevent users from giving change or encountering counterfeit banknotes. Bills, as the name suggests, are bills for user consumption, including consumption in various aspects such as food, clothing, housing, and transportation. Specifically, they are consumption bills related to vehicles, such as parking fees, refueling fees, highway tolls, vehicle charging fees, vehicle rental fees, etc. There is an operation instruction for paying bills online, that is, an operation in which the user connects to the Internet through the device and pays the consumed bills online. Further, the corresponding application software is installed on the device, and the application software is started to establish a communication connection through the mobile communication network. The specific establishment method is not limited, and the function of online payment on the network can be realized.
步骤S20，若存在，则获取绑定车牌信息的多个支付平台；Step S20, if it exists, obtain multiple payment platforms bound to the license plate information;
本实施例中，存在在线支付账单的操作指令，也就是用户选择对消费的与车辆相关的账单进行在线支付。车牌信息，包括车牌号，归属地，车主个人信息、车辆类型等。由于车牌号是标识车辆身份的号牌，车牌号对车的意义就像身份证号对人一样，因而优选车牌号，用以与账单、支付平台一一对应。具体地，账单上标明车牌号，而车牌号可绑定多个支付平台，用以根据实际需要选择其中一个平台进行账单支付。而支付平台实际上就是买卖双方交易过程中的“中间件”，是在银行监管下保障交易双方利益的独立机构。支付平台可以是我国各大银行(如中国银行、工商银行等)，也可以是有资质的第三方平台(如支付宝、财付通、微信等)推出的电子渠道。In this embodiment, there is an operation instruction for paying bills online, that is, the user chooses to make online payment for the consumed bills related to the vehicle. License plate information, including license plate number, place of ownership, personal information of the owner, vehicle type, etc. Since the license plate number is the number plate that identifies the identity of the vehicle, the meaning of the license plate number to the car is the same as that of the ID number to the person. Therefore, the license plate number is preferred for one-to-one correspondence with bills and payment platforms. Specifically, the license plate number is indicated on the bill, and the license plate number can be bound to multiple payment platforms to select one of the platforms for bill payment according to actual needs. The payment platform is actually the "middleware" in the transaction process between the buyer and the seller, and an independent organization that protects the interests of both parties under the supervision of the bank. The payment platform can be a major bank in my country (such as Bank of China, Industrial and Commercial Bank of China, etc.), or an electronic channel launched by a qualified third-party platform (such as Alipay, Tenpay, WeChat, etc.).
需要说明的是，账单与车牌号对应，而车牌号绑定多个支付平台，从而通过支付平台对账单进行支付。这种绑定方式同样适用于账单与个人信息(如身份证)对应，而个人信息与多个支付平台进行绑定，从而实现在线支付，避免金额在账户之间出现转账出错，而无法追溯的风险。It should be noted that the bill corresponds to the license plate number, and the license plate number is bound to multiple payment platforms, so that the bill can be paid through the payment platform. This binding method is also applicable to the correspondence between bills and personal information (such as ID cards), and personal information is bound to multiple payment platforms, so as to realize online payment and avoid transfer errors between accounts, which cannot be traced back. risk.
步骤S30，根据预设排序方式，对多个支付平台进行排序，其中，所述预设排序方式至少包括：用户设置的支付顺序、各支付平台的使用次数、各支付平台的优惠活动、账单收费方设置的优先级顺序中的任一种；Step S30, sort the multiple payment platforms according to the preset sorting method, wherein the preset sorting method at least includes: the payment sequence set by the user, the number of times each payment platform is used, the preferential activities of each payment platform, and billing charges any of the priority orders set by the party;
本实施例中，预设排序方式，为设备在出厂时已由开发设计人员预先设置好的排序方式。预设排序方式根据开发设计人员设置，可以有多种，如用户设置的支付顺序、各支付平台的使用次数、各支付平台的优惠活动、账单收费方设置的优先级顺序等。将多个支付平台由杂乱无章的形态下，通过一定的方法有规则的按顺序排列的过程叫做排序。In this embodiment, the preset sorting mode is a sorting mode preset by the developer and designer when the device leaves the factory. The preset sorting methods can be set according to the developer and designer, such as the payment sequence set by the user, the number of times of use of each payment platform, the preferential activities of each payment platform, the priority order set by the billing party, etc. The process of arranging multiple payment platforms in a regular and orderly manner through a certain method is called sorting.
进一步地，支付账单涉及买卖双方和第三方支付平台，买方是购买商品与服务的消费方、付款方，卖方是提供买方商品与服务的商家，具体地，买方为车主，卖方为停车管理方。实现在线支付，买卖双方对应有客户端和管理端，同时还有实现两者交互的云服务系统。对多种支付方式进行排序，可以是车主可自行设置，也可以是客户端系统默认，还可以是停车场的管理方或停车场管理端或云服务系统进行设置或限制。Furthermore, bill payment involves both buyers and sellers and a third-party payment platform. The buyer is the consumer and payer who purchases goods and services, and the seller is the merchant that provides the buyer's goods and services. Specifically, the buyer is the car owner, and the seller is the parking management party. To realize online payment, buyers and sellers have corresponding client and management terminals, as well as a cloud service system to realize the interaction between the two. The sorting of multiple payment methods can be set by the car owner, or the default of the client system, or it can be set or restricted by the management of the parking lot, the parking management terminal or the cloud service system.
步骤S40，根据排在首位的支付平台对应的支付方式，对账单进行在线支付。In step S40, the bill is paid online according to the payment method corresponding to the payment platform ranked first.
本实施例中，排在首位，也就是排在第一位的的支付平台为优先级最高的支付平台，可进一步设置为首选支付平台。当绑定多个支付平台时，每一次在线支付账单，均需要用户手动选择其中一个，或者随机选中一个进行支付。具体地，在绑定了支付宝、财付通、微信以及银联卡的条件下，用户对自己车辆的停车费进行在线缴费时，想用支付宝支付就必须手动选择该支付平台；或者在支付时用户想用支付宝，而账单却跳转到银联卡支付，长久以往势必造成用户的困扰，因而对多个支付平台进行排序，进而将首选支付平台对应的支付方式完成账单的在线支付，可解决该困扰。In this embodiment, the payment platform ranked first, that is, the payment platform ranked first is the payment platform with the highest priority, and can be further set as the preferred payment platform. When multiple payment platforms are bound, each online bill payment requires the user to manually select one of them, or randomly select one for payment. Specifically, under the condition of binding Alipay, Tenpay, WeChat and UnionPay cards, when the user pays the parking fee of his vehicle online, he must manually select the payment platform if he wants to pay with Alipay; Want to use Alipay, but the bill is redirected to UnionPay card payment, which will inevitably cause trouble for users in the long run, so sorting multiple payment platforms, and then completing the online payment of the bill with the payment method corresponding to the preferred payment platform can solve this problem .
本实施例通过监测是否存在在线支付账单的操作指令；若存在，则获取绑定车牌信息的多个支付平台，其次根据预设排序方式，对多个支付平台进行排序，最后根据排在首位的支付平台对应的支付方式，对账单进行在线支付。通过此方法能够在支付账单时，对绑定的多个支付平台进行排序，进而自动选择最优的支付方式对账单进行在线支付，避免额外增加用户的支付操作，进而提高了用户的支付体验。This embodiment monitors whether there is an operation instruction for online payment of bills; if it exists, obtains multiple payment platforms bound to the license plate information, and then sorts the multiple payment platforms according to the preset sorting method, and finally according to the top one The payment method corresponding to the payment platform is used to pay the bill online. By using this method, when paying bills, the bound multiple payment platforms can be sorted, and then the optimal payment method can be automatically selected to pay the bills online, so as to avoid additional payment operations of the user, thereby improving the payment experience of the user.
参照图3，图3为图2步骤S30一实施例的细化流程示意图。Referring to FIG. 3 , FIG. 3 is a schematic flowchart of an embodiment of step S30 in FIG. 2 .
本实施例中，步骤S30，根据预设排序方式，对多个支付平台进行排序，包括：In this embodiment, step S30 is to sort multiple payment platforms according to a preset sorting method, including:
步骤S31，当预设排序方式为用户设置的支付顺序时，查找数据库中是否存在用户自定义设置的支付顺序；Step S31, when the preset sorting method is the payment sequence set by the user, check whether there is a payment sequence defined by the user in the database;
本实施例中，用户自定义设置的支付顺序，也就是在设置中，由用户预先对绑定的多个支付平台进行自定义排序。通常用户自定义设置的数据存储在数据库中，以供用于读取、调用或更改。In this embodiment, the user defines the order of payment, that is, in the setting, the user pre-orders the bound multiple payment platforms in advance. Usually user-defined data is stored in a database for reading, recalling or changing.
步骤S32，若存在，则基于支付顺序，对各支付平台进行排序。Step S32, if it exists, sort the payment platforms based on the payment sequence.
本实施例中，当数据库中查找到存在有用户自定义设置的支付顺序时，根据用户自定义的顺序对各支付平台进行排序。比如绑定了支付宝、财付通、微信、中国银行的银联卡和工商银行的银联卡，共5种支付方式时，用户认为使用工商银联卡支付账单可累积积分换取礼物，或是支付宝每消费一笔账单即可爱心捐赠等，按照个人喜好，依次将这5个支付平台按以下顺序进行重新排列：1.工商银联卡，2.支付宝，3.中银银联卡，4.微信，5.财付通。通过自定义设置的方式满足用户个性化需求，进而每一笔消费时，无需用户手动选择，即可自动跳转到用户首选的支付方式。In this embodiment, when a user-defined payment sequence is found in the database, the payment platforms are sorted according to the user-defined sequence. For example, when Alipay, Tenpay, WeChat, UnionPay card of Bank of China and UnionPay card of Industrial and Commercial Bank of China are bound to a total of 5 payment methods, users think that paying bills with Industrial and Commercial UnionPay cards can accumulate points in exchange for gifts, or that every time Alipay spends Donate with one bill, etc. According to personal preferences, these 5 payment platforms are rearranged in the following order: 1. Industrial and Commercial UnionPay Card, 2. Alipay, 3. Bank of China UnionPay Card, 4. WeChat, 5. Cai Pay pass. By customizing the settings to meet the user's individual needs, and each purchase can automatically jump to the user's preferred payment method without the user's manual selection.
进一步可选的，在本发明在线支付处理方法另一实施例中，步骤S30，根据预设排序方式，对多个支付平台进行排序，包括：Further optionally, in another embodiment of the online payment processing method of the present invention, step S30, sorting multiple payment platforms according to a preset sorting method includes:
1、当预设排序方式为各支付平台的使用次数时，获取用户在线支付的使用数据，以供分析得到各支付平台的使用次数；1. When the default sorting method is the number of times of use of each payment platform, obtain the usage data of the user's online payment for analysis to obtain the number of times of use of each payment platform;
2、基于使用次数的大小，对各支付平台进行排序。2. Based on the number of times of use, sort the payment platforms.
本实施例中，获取用户在线支付的使用数据，并对使用数据进行分析得到各支付平台的使用次数，也就是分析用户的使用习惯。用户每支付一笔账单时使用其中一个支付平台，并习惯使用该支付平台，进而使用次数相对较多。进一步地，由于某些账单收费方由于不支持某一支付平台或支付时该支付平台账户余额不足等，使得用户使用其他支付方式，同样产生使用记录，但对应的支付平台的使用频率比用户习惯使用的支付平台的频率低，也就是使用次数相对较少。通过分析使用数据，得到各支付平台的使用次数，进而对多个支付平台进行排序，能够满足用户的使用习惯，进而提高用户在支付账单时的舒适性。具体地，次数多的排在前，次数少的排在后。In this embodiment, the usage data of the user's online payment is obtained, and the usage data is analyzed to obtain the usage times of each payment platform, that is, the user's usage habits are analyzed. The user uses one of the payment platforms every time he pays a bill, and is used to using the payment platform, so the number of times of use is relatively large. Furthermore, due to the fact that some bill collectors do not support a certain payment platform or the account balance of the payment platform is insufficient at the time of payment, etc., users use other payment methods, which also generate usage records, but the corresponding payment platform is used more frequently than users are used to. The frequency of the payment platform used is low, that is, the number of times of use is relatively small. By analyzing the use data, the number of times each payment platform is used is obtained, and then multiple payment platforms are sorted, which can meet the user's usage habits and improve the user's comfort when paying bills. Specifically, the ones with the most times are ranked first, and the ones with the fewest times are ranked last.
进一步可选的，在本发明在线支付处理方法另一实施例中，步骤S30，根据预设排序方式，对多个支付平台进行排序，包括：Further optionally, in another embodiment of the online payment processing method of the present invention, step S30, sorting multiple payment platforms according to a preset sorting method includes:
1、当预设排序方式为各平台支付的优惠活动时，获取各支付平台的优惠活动信息，其中，优惠活动信息至少包括折扣、积分、返利中的任一种；1. When the default sorting method is the preferential activities paid by each platform, obtain the preferential activity information of each payment platform, wherein the preferential activity information includes at least any one of discounts, points, and rebates;
本实施例中，各平台支付的优惠活动，是每一个支付平台为更好的经营服务而推出的优惠措施。通常优惠活动信息至少包括打折(如九五折、八折)、积分(支付100得到100积分，或支付100得到150积分，积分可用于下次支付时抵扣金额、兑换礼品等，具体根据支付平台而定)、返利(消费多少返利2％的资金)中的任一种。优惠活动信息还可以包括支付一笔账单即可免费获得下一笔免单的优惠等，详情根据支付平台推出的活动而定。具体地，通过互联网向各支付平台请求获取相关数据，得到各支付平台的优惠活动信息。In this embodiment, the preferential activities paid by each platform are preferential measures launched by each payment platform for better business services. Usually the promotional information includes at least discounts (such as 5% off, 20% off), points (pay 100 to get 100 points, or pay 100 to get 150 points, points can be used to deduct the amount of the next payment, exchange gifts, etc., according to the payment Depending on the platform), rebate (rebate 2% of the funds consumed). The promotional activity information may also include a discount that one payment of one bill can get the next free bill, etc., and the details are determined according to the activities launched by the payment platform. Specifically, request relevant data from each payment platform through the Internet, and obtain preferential activity information of each payment platform.
2、对优惠活动信息进行分析，得到账单对应的各支付平台的优惠力度；2. Analyze the preferential activity information, and obtain the preferential strength of each payment platform corresponding to the bill;
3、基于优惠力度的大小，对各支付平台进行排序。3. Based on the size of the discount, sort the payment platforms.
本实施例中，为进一步节省用户的消费金额，提高消费体验，对优惠活动信息进行分析，得到账单对应的各支付平台的优惠力度，然后将优惠力度由大到小依次对应各支付平台进行排序。比如用户驾驶一辆轿车经高速公路收费站时，选择在线支付通行费，同时该车牌号绑定有支付宝、微信、中银银联卡三种支付平台。通行费为50元整，而支付宝是消费一笔返利1％、微信是积分换礼品、中银银联卡七折优惠，经分析得出该账单，用中银银联卡支付折扣力度最大，其次为支付宝，最后为微信。In this embodiment, in order to further save the user's consumption amount and improve the consumption experience, the preferential activity information is analyzed to obtain the preferential strength of each payment platform corresponding to the bill, and then the preferential strength is sorted corresponding to each payment platform in order from large to small . For example, when a user drives a car through a highway toll booth, he chooses to pay the toll online, and the license plate number is bound to three payment platforms: Alipay, WeChat, and BOC UnionPay. The toll fee is 50 yuan, and Alipay offers a 1% rebate for one purchase, WeChat offers points for gifts, and a 30% discount for Bank of China UnionPay cards. After analysis, it is found that the discount for paying with Bank of China UnionPay cards is the largest, followed by Alipay. The last is WeChat.
进一步可选的，在本发明在线支付处理方法另一实施例中，步骤S30，根据预设排序方式，对多个支付平台进行排序，包括：Further optionally, in another embodiment of the online payment processing method of the present invention, step S30, sorting multiple payment platforms according to a preset sorting method includes:
1、当预设排序方式为账单收费方设置的优先级顺序时，获取账单收费方设置的优先级顺序；1. When the default sorting method is the priority order set by the billing party, obtain the priority order set by the billing party;
2、基于优先级顺序，对各支付平台进行排序。2. Based on the order of priority, sort the payment platforms.
本实施例中，账单收费方也就是卖方，卖方可根据各支付平台的使用情况，比如转账速度、提现手续费、与支付平台合作意愿等设置收款的优先级顺序。具体地，通过互联网向卖方请求获取相关数据，进而获得账单收费方设置的优先级顺序。比如卖方与支付宝达成协议，优先使用支付宝，其次为提现手续费较低的微信等。In this embodiment, the bill collector is the seller, and the seller can set the priority order of collection according to the usage of each payment platform, such as transfer speed, withdrawal fee, willingness to cooperate with the payment platform, etc. Specifically, the relevant data is requested from the seller through the Internet, and then the priority order set by the bill charging party is obtained. For example, the seller reached an agreement with Alipay, giving priority to using Alipay, followed by WeChat, which has a lower fee for cash withdrawal.
进一步可选的，在本发明在线支付处理方法另一实施例中，在上述实施例步骤S30之前，处理器还执行以下操作：Further optionally, in another embodiment of the online payment processing method of the present invention, before step S30 in the above embodiment, the processor further performs the following operations:
1、监测是否获得预设排序方式的授权；1. Monitor whether the authorization of the preset sorting method is obtained;
2、若是，则执行根据预设排序方式，对多个支付平台进行排序的操作；2. If yes, execute the operation of sorting multiple payment platforms according to the preset sorting method;
3、若否，则弹出选择窗口，以供用户选择是否授权预设排序方式。3. If not, a selection window will pop up for the user to choose whether to authorize the preset sorting method.
本实施例中，在进行排序之前，需获得用户的授权，也就是需要用户同意以预设的排序方式对绑定的多个支付平台进行有规则的排序。当未获得用户对预设排序方式授权时，则弹出选择窗口，该选择窗口询问用户是否同意授权，且分别设有两个选择按钮供用户选择“是”或“否”。当用户选择“是”时，即同意授权时，获得预设排序方式的授权，继而可执行排序的操作。当用户选择“否”时，无法对多个支付平台进行排序，此时需要用户在支付账单时手动选择其中一个支付平台进行支付。由于本发明存在多种预设排序方式，因而用户可针对其中一种或多种排序方式进行授权，进而根据预设排序方式对多个支付平台进行排序。需要说明的是，当授权有多种排序方式时，优选用户设置的支付顺序，其次为各支付平台的使用次数或各支付平台的优惠活动。具体地，授权可以是仅授权当前一次排序，或是永久授权，具体根据实际需要进行设置。In this embodiment, prior to sorting, the authorization of the user needs to be obtained, that is, the user needs to agree to sort the bound multiple payment platforms in a regular manner in a preset sorting manner. When the user's authorization for the preset sorting method is not obtained, a selection window pops up, which asks the user whether to agree to the authorization, and two selection buttons are respectively provided for the user to select "Yes" or "No". When the user selects "Yes", that is, when he agrees to the authorization, the authorization of the preset sorting method is obtained, and then the sorting operation can be performed. When the user selects "No", multiple payment platforms cannot be sorted. At this time, the user needs to manually select one of the payment platforms for payment when paying the bill. Since there are multiple preset sorting ways in the present invention, the user can authorize one or more sorting ways, and then sort multiple payment platforms according to the preset sorting ways. It should be noted that when there are multiple sorting methods for authorization, the payment order set by the user is preferred, followed by the number of times of use of each payment platform or the preferential activities of each payment platform. Specifically, the authorization can be only authorized for the current sorting, or permanent authorization, which is specifically set according to actual needs.
进一步可选的，在本发明在线支付处理方法另一实施例中，在上述实施例步骤S30之前，处理器还执行以下操作：Further optionally, in another embodiment of the online payment processing method of the present invention, before step S30 in the above embodiment, the processor further performs the following operations:
1、监测是否存在用户和/或账单收费方屏蔽的支付平台；1. Monitor whether there are payment platforms blocked by users and/or billing parties;
2、若是，则将该支付平台剔除在排序之外。2. If yes, exclude the payment platform from the ranking.
本实施例中，屏蔽支付平台存在两种情况，一种是买方屏蔽，另一种是卖方屏蔽。若监测不存在屏蔽的支付平台，则在排序时，无需剔除任一绑定的支付平台。In this embodiment, there are two cases of blocking the payment platform, one is blocking by the buyer, and the other is blocking by the seller. If there is no shielded payment platform in the monitoring, there is no need to eliminate any bound payment platform when sorting.
(1)买方屏蔽：一个车牌号可绑定多个支付平台，在后续使用过程中，由于有些支付平台用户认为后台服务不佳或转账速度慢等原因，可将其解绑不在使用，同时可能因为解绑手续繁琐或不想解绑或只是暂时不想用时，而将该支付平台设为屏蔽而不使用。进一步地，当用户解绑某一支付平台时，在下一次进行排序时，将无法再次获得该支付平台。当用户屏蔽某一支付平台时，在下一次进行排序时，可再次获取该支付平台，但不在排序中，进而支付时不会被使用到。(1) Buyer shielding: A license plate number can be bound to multiple payment platforms. In the subsequent use process, some payment platform users can unbind it for reasons such as poor background service or slow transfer speed. At the same time, it may Because the unbinding procedures are cumbersome or you don’t want to unbundle or just don’t want to use it temporarily, you set the payment platform as blocked and don’t use it. Furthermore, when the user unbinds a certain payment platform, he will not be able to obtain the payment platform again in the next sorting. When the user blocks a certain payment platform, the payment platform can be obtained again in the next sorting, but it is not in the sorting, and thus will not be used for payment.
(2)卖方屏蔽：卖方可与多家支付平台合作，用以实现电子收款与付款业务。然而由于多种因素，比如某一支付平台收取的手续费比另一支付平台高等，卖方可将收费高的支付平台进行屏蔽。具体地，在监测是否存在账单收费方屏蔽的支付平台之前，处理器还执行通过互联网向账单收费方请求获取屏蔽数据，从而获得账单收费方屏蔽的支付平台，进而当存在账单收费方屏蔽的支付平台时，将该支付平台剔除在排序之外。(2) Seller shielding: The seller can cooperate with multiple payment platforms to realize electronic collection and payment services. However, due to various factors, such as a payment platform charging higher fees than another payment platform, the seller can block the payment platform with the higher fees. Specifically, before monitoring whether there is a payment platform shielded by the billing party, the processor also executes a request to the billing party to obtain shielded data through the Internet, thereby obtaining the payment platform shielded by the billing party, and then when there is a payment platform shielded by the billing party When selecting a platform, exclude the payment platform from the ranking.
进一步可选的，在本发明在线支付处理方法另一实施例中，在上述实施例步骤S40之后，处理器还执行以下操作：Further optionally, in another embodiment of the online payment processing method of the present invention, after step S40 in the above embodiment, the processor further performs the following operations:
1、监测当前账单支付是否存在异常；1. Monitor whether there is any abnormality in the current bill payment;
2、当当前账单支付存在异常时，按顺序自动跳转到下一个支付方式进行在线支付；或按顺序中多个支付方式进行组合并在线支付。2. When there is an abnormality in the current bill payment, it will automatically jump to the next payment method in sequence for online payment; or combine multiple payment methods in sequence and make online payment.
本实施例中，由于可能存在网络故障、用于支付账单的支付平台对应的账户余额不足，或是卖家账户异常等诸多因素，导致账单无法正常支付时，将根据排列好的顺序，按顺序自动跳转到下一个支付方式。比如当前第一个支付平台的账户余额不足以支付账单时，自动跳转到第二个支付平台，并根据第二个支付平台的支付方式进行在线账单支付。异常时，还可以将排序中的多个支付方式进行组合，优选第一个与第二个支付方式。具体地，以各支付平台的优惠活动为例，当前第一个支付平台支付账单出现异常时，可优先使用第一个支付平台的抵扣券支付部分账单，然后第二和第三支付平台支付剩余的部分账单，最终结清整个账单消费。若不存在异常，则说明可正常支付。In this embodiment, when the bill cannot be paid normally due to many factors such as network failure, insufficient account balance corresponding to the payment platform used to pay the bill, or abnormality of the seller's account, the order will be automatically arranged according to the arranged order. Jump to the next payment method. For example, when the current account balance of the first payment platform is not enough to pay the bill, it will automatically jump to the second payment platform, and perform online bill payment according to the payment method of the second payment platform. In case of exception, multiple payment methods in the sorting can also be combined, preferably the first and second payment methods. Specifically, taking the preferential activities of each payment platform as an example, when the payment of the bill by the first payment platform is abnormal, the discount coupon of the first payment platform can be used to pay part of the bill first, and then the second and third payment platforms will pay. The remaining part of the bill, and finally settle the entire bill consumption. If there is no abnormality, it means that the payment can be made normally.
参照图4，图4为本发明在线支付处理方法一较佳实施例的细化流程示意图。Referring to FIG. 4 , FIG. 4 is a schematic flowchart of a preferred embodiment of the online payment processing method of the present invention.
为方便理解本发明在线支付处理方法，在此提供一较佳实施例，在线支付处理方法包括：In order to facilitate the understanding of the online payment processing method of the present invention, a preferred embodiment is provided here. The online payment processing method includes:
1.监测是否存在在线支付账单的操作指令，若是继续；1. Monitor whether there is an operation instruction for online payment of bills, and if so, continue;
2.获取绑定车牌信息的多个支付平台；2. Obtain multiple payment platforms that bind license plate information;
3.监测是否获得预设排序方式的授权，若是继续，若否则跳转到第12步；3. Monitor whether the authorization of the preset sorting method is obtained, if continue, otherwise skip to step 12;
4.监测是否存在用户和/或账单收费方屏蔽的支付平台，若是继续，若否则跳转到第6步；4. Monitor whether there is a payment platform blocked by the user and/or the billing party, if continue, otherwise skip to step 6;
5.将该支付平台剔除在排序之外；5. Exclude the payment platform from the ranking;
6.查找数据库中是否存在用户自定义设置的支付顺序，若是继续，若否则不进行排序；6. Check whether there is a user-defined payment sequence in the database, if it continues, otherwise it will not be sorted;
在另一实施例中，步骤6与步骤4的先后顺序不做限定，也可以先执行步骤6再执行步骤4，然后再进行排序。In another embodiment, the sequence of step 6 and step 4 is not limited, and step 6 may be performed first, then step 4, and then sorted.
7.基于支付顺序，对各支付平台进行排序；7. Based on the order of payment, sort the payment platforms;
8.根据排在首位的支付平台对应的支付方式，对账单进行在线支付；8. Pay the bill online according to the payment method corresponding to the top payment platform;
9.监测当前账单支付是否存在异常，若是继续，若否则跳转到第11步；9. Monitor whether there is any abnormality in the current bill payment, if continue, otherwise jump to step 11;
10.按顺序自动跳转到下一个支付方式进行在线支付；10. Automatically jump to the next payment method in order for online payment;
11.账单在线支付成功；11. The online bill payment is successful;
12.弹出选择窗口，以供用户选择是否授权预设排序方式。12. A selection window will pop up for the user to choose whether to authorize the preset sorting method.
本实施例中，在支付账单时，对绑定的多个支付平台进行排序，进而自动选择最优的支付方式对账单进行在线支付，避免额外增加用户的支付操作，进而提高了用户的支付体验。In this embodiment, when paying a bill, sort the bound payment platforms, and then automatically select the optimal payment method to pay the bill online, avoiding additional payment operations for the user, thereby improving the user's payment experience .
进一步可选的，为实现上述目的，本发明还提供一种计算机可读存储介质，在本实施例中提出的计算机可读存储介质上存储有在线支付处理程序，包括对各支付平台进行排序和支付账单等。存储的在线支付处理程序能够被处理器读取、解读并执行，从而实现上述任一在线支付处理方法实施例中的在线支付处理方法的步骤。Further optionally, in order to achieve the above object, the present invention also provides a computer-readable storage medium. The computer-readable storage medium proposed in this embodiment stores an online payment processing program, including sorting and Pay bills etc. The stored online payment processing program can be read, interpreted and executed by the processor, so as to implement the steps of the online payment processing method in any of the above online payment processing method embodiments.
需要说明的是，在本文中，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者装置不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者装置所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者装置中还存在另外的相同要素。It should be noted that, in this document, the term "comprising", "comprising" or any other variation thereof is intended to cover a non-exclusive inclusion such that a process, method, article or apparatus comprising a set of elements includes not only those elements, It also includes other elements not expressly listed, or elements inherent in the process, method, article, or device. Without further limitations, an element defined by the phrase "comprising a ..." does not preclude the presence of additional identical elements in the process, method, article, or apparatus comprising that element.
上述本发明实施例序号仅仅为了描述，不代表实施例的优劣。The serial numbers of the above embodiments of the present invention are for description only, and do not represent the advantages and disadvantages of the embodiments.
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本发明的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个可读存储介质(如ROM/RAM、磁碟、光盘)中，包括若干指令用以使得一台终端(可以是手机，计算机，服务器，空调器，或者网络设备等)执行本发明各个实施例的方法。Through the description of the above embodiments, those skilled in the art can clearly understand that the methods of the above embodiments can be implemented by means of software plus a necessary general-purpose hardware platform, and of course also by hardware, but in many cases the former is better implementation. Based on this understanding, the essence of the technical solution of the present invention or the part that contributes to the prior art can be embodied in the form of software products, and the computer software products are stored in a readable storage medium (such as ROM/RAM, magnetic CD, CD), including several instructions to make a terminal (which can be a mobile phone, computer, server, air conditioner, or network equipment, etc.) execute the method of each embodiment of the present invention.
上面结合附图对本发明的实施例进行了描述，但是本发明并不局限于上述的具体实施方式，上述的具体实施方式仅仅是示意性的，而不是限制性的，本领域的普通技术人员在本发明的启示下，在不脱离本发明宗旨和权利要求所保护的范围情况下，还可做出很多形式，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，这些均属于本发明的保护之内。Embodiments of the present invention have been described above in conjunction with the accompanying drawings, but the present invention is not limited to the above-mentioned specific implementations, and the above-mentioned specific implementations are only illustrative, rather than restrictive, and those of ordinary skill in the art will Under the enlightenment of the present invention, without departing from the gist of the present invention and the scope of protection of the claims, many forms can also be made, and any equivalent structure or equivalent process transformation made by using the description and drawings of the present invention, or Directly or indirectly used in other relevant technical fields, these all belong to the protection of the present invention.
以上仅为本发明的优选实施例，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本发明的专利保护范围内。The above are only preferred embodiments of the present invention, and are not intended to limit the patent scope of the present invention. Any equivalent structure or equivalent process conversion made by using the description of the present invention and the contents of the accompanying drawings, or directly or indirectly used in other related technical fields , are all included in the scope of patent protection of the present invention in the same way.
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| CN201711101108 | 2017-11-09 | ||
| CN201711101108X | 2017-11-09 |
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| CN108171503Atrue CN108171503A (en) | 2018-06-15 |
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| CN201711440810.9APendingCN108171503A (en) | 2017-11-09 | 2017-12-26 | On-line payment processing method, equipment and computer readable storage medium |
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| PB01 | Publication | ||
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| SE01 | Entry into force of request for substantive examination | ||
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| RJ01 | Rejection of invention patent application after publication | Application publication date:20180615 | |
| RJ01 | Rejection of invention patent application after publication |