CN110738475B

CN110738475B - Cross-platform payment method, device and system, equipment and readable storage medium

Info

Publication number: CN110738475B
Application number: CN201910036834.0A
Authority: CN
Inventors: 张文
Original assignee: Individual
Current assignee: Individual
Priority date: 2019-01-15
Filing date: 2019-01-15
Publication date: 2022-01-18
Anticipated expiration: 2039-01-15
Also published as: CN110738475A

Abstract

The invention discloses a cross-platform payment method, a cross-platform payment device, a cross-platform payment system, a cross-platform payment device and a cross-platform payment device readable storage medium. The cross-platform payment method comprises the following steps: receiving a payment request of a client; the payment request comprises a two-dimensional code image; acquiring a receiving user identification code according to the two-dimensional code image; searching and acquiring corresponding receiving platform information from a preset platform information database according to the receiving user identification code; and returning the receiving platform information to the client so that the client completes payment operation according to the receiving platform information. By adopting the invention, the convenience of realizing cross-platform payment can be improved while the rapidness of network payment is improved, and the realization cost is reduced.

Description

Cross-platform payment method, device and system, equipment and readable storage medium

Technical Field

The invention relates to the technical field of computers, in particular to a cross-platform payment method, a cross-platform payment device, a cross-platform payment system, a cross-platform payment device and a readable storage medium.

Background

Nowadays, code scanning payment is one of the main payment modes in daily life of people due to the characteristics of convenience and quickness.

In daily life, when a merchant provides a WeChat two-dimensional code, a consumer can pay only by means of WeChat payment. When the balance in the WeChat account of the consumer is insufficient, the payment can not be carried out through the WeChat, the account information of the Paibao two-dimensional code or the Unionpay can only be additionally provided by the merchant, and the payment is finished through other payment modes, so that the payment is very inconvenient.

To address this problem, the prior art provides a method for cross-platform payment. The existing cross-platform payment method is realized by providing a uniform two-dimensional code by an intermediary with all payment platforms authorized and trusted. For example, a two-dimensional code commonly used by WeChat, Payment treasures and Unionpay is provided by an intermediary, and a consumer can realize payment no matter the consumer scans the two-dimensional code through a WeChat application program, a Payment treasures application program or a Unionpay application program. However, the cross-platform payment method needs to replace the existing two-dimensional code, is very tedious for a merchant, needs to consume extra cost, and is poor in user experience.

Disclosure of Invention

The embodiment of the invention provides a cross-platform payment method, a cross-platform payment device, a cross-platform payment system, a cross-platform payment device and a readable storage medium, which can improve the rapidity of network payment, improve the convenience of cross-platform payment and reduce the implementation cost.

The cross-platform payment method provided by the embodiment of the invention specifically comprises the following steps:

receiving a payment request of a client; the payment request comprises a two-dimensional code image;

acquiring a receiving user identification code according to the two-dimensional code image;

searching and acquiring corresponding receiving platform information from a preset platform information database according to the receiving user identification code;

and returning the receiving platform information to the client so that the client completes payment operation according to the receiving platform information.

Further, the payment request also comprises a payment platform identification code;

searching and obtaining corresponding receiving platform information from a preset platform information database according to the receiving user identification code, wherein the method specifically comprises the following steps:

and searching and obtaining the receiving platform information corresponding to the receiving user identification code and the payment platform identification code from the platform information database.

Further, the payment request also comprises a receiving platform identification code;

and searching and obtaining the receiving platform information corresponding to the receiving user identification code and the receiving platform identification code from the platform information database.

Further, the returning the receiving platform information to the client so that the client completes the payment operation according to the receiving platform information specifically includes:

returning the receiving platform information to the client so that the client generates a corresponding payment instruction according to the receiving platform information;

receiving the payment instruction sent by the client;

obtaining a receiving account corresponding to the receiving platform information according to the payment instruction;

and crediting the target amount to the receiving account.

Further, after the receiving the payment instruction sent by the client, before the debiting the target amount to the receiving account, the method further includes:

obtaining a payment account corresponding to the receiving platform information according to the payment instruction;

deducting the target amount from the payment account.

and returning the receiving platform information to the client so that the client generates a corresponding payment instruction according to the receiving platform information and enables a target platform server corresponding to the receiving platform information to transfer the target amount into a receiving account corresponding to the receiving platform information through the payment instruction.

Furthermore, the number of the receiving platform information is n; wherein n is more than or equal to 2;

returning the receiving platform information to the client to enable the client to complete payment operation according to the receiving platform information, specifically comprising:

and returning all the receiving platform information to the client so that the client completes payment operation according to any receiving platform information.

Further, the returning all the receiving platform information to the client so that the client completes payment operation according to any one of the receiving platform information specifically includes:

returning all the receiving platform information to the client so that the client can obtain target receiving platform information according to any receiving platform information and generate a corresponding payment instruction according to the target receiving platform information;

receiving the payment instruction sent by the client;

obtaining a receiving account corresponding to the target receiving platform information according to the payment instruction;

and crediting the target amount to the receiving account.

obtaining a payment account corresponding to the target receiving platform information according to the payment instruction;

deducting the target amount from the payment account.

and returning all the receiving platform information to the client so that the client generates a corresponding payment instruction according to any receiving platform information and enables the target platform server to transfer the target amount into a corresponding receiving account through the payment instruction.

The embodiment of the invention also provides another cross-platform payment method, which specifically comprises the following steps:

sending a payment request to a server; the payment request comprises a two-dimensional code image;

receiving platform information obtained by the server side through searching a preset platform information database according to the receiving user identification code corresponding to the two-dimensional code image;

and completing payment operation according to the receiving platform information.

Further, before the sending the payment request to the server, the method further includes:

obtaining a two-dimensional code image by scanning a target two-dimensional code;

acquiring a local payment platform identification code;

generating the payment request according to the two-dimensional code image and the payment platform identification code;

the receiving of the receiving platform information obtained by the server side searching for a preset platform information database according to the receiving user identification code corresponding to the two-dimensional code image specifically includes:

and receiving platform information which is searched and obtained by the server from the platform information database and corresponds to the receiving user identification code and the payment platform identification code.

acquiring a receiving platform identification code corresponding to the target two-dimensional code;

generating the payment request according to the two-dimensional code image and the receiving platform identification code;

and receiving platform information which is searched and obtained by the server from the platform information database and corresponds to the receiving user identification code and the receiving platform identification code.

Further, the completing the payment operation according to the receiving platform information specifically includes:

generating a corresponding payment instruction according to the receiving platform information;

and sending the payment instruction to the server so that the server transfers the target amount to a receiving account corresponding to the target receiving platform information.

Further, the sending the payment instruction to the server to enable the server to transfer the target amount into a receiving account corresponding to the target receiving platform information specifically includes:

and sending the payment instruction to the server, so that the server deducts the target amount from a payment account corresponding to the receiving platform information and then transfers the target amount into a receiving account corresponding to the receiving platform information.

and sending the payment instruction to a target platform server corresponding to the receiving platform information so that the target platform server transfers the target amount to a receiving account corresponding to the receiving platform information.

receiving all the receiving platform information obtained by the server side searching a preset platform information database according to the receiving user identification code corresponding to the two-dimensional code image;

the completing the payment operation according to the receiving platform information specifically comprises:

and completing payment operation according to any receiving platform information.

Further, the completing the payment operation according to any one of the receiving platform information specifically includes:

responding to the selection operation of a user on any receiving platform information, and taking the receiving platform information selected by the user as target receiving platform information;

generating a corresponding payment instruction according to the target receiving platform information;

and sending the payment instruction to the server, so that the server deducts the target amount from a payment account corresponding to the target receiving platform information and then transfers the target amount into a receiving account corresponding to the target receiving platform information.

and sending the payment instruction to a target platform server corresponding to the target receiving platform information so that the target platform server transfers the target amount to a receiving account corresponding to the target receiving platform information.

Correspondingly, the embodiment of the invention also provides a cross-platform payment device, which specifically comprises:

the payment request receiving module is used for receiving a payment request of a client; the payment request comprises a two-dimensional code image;

the two-dimensional code image analysis module is used for acquiring a receiving user identification code according to the two-dimensional code image;

the receiving platform information obtaining module is used for searching and obtaining corresponding receiving platform information from a preset platform information database according to the receiving user identification code; and the number of the first and second groups,

and the payment execution module is used for returning the receiving platform information to the client so as to enable the client to complete payment operation according to the receiving platform information.

The embodiment of the invention also provides a cross-platform payment device, which specifically comprises:

the payment request sending module is used for sending a payment request to the server; the payment request comprises a two-dimensional code image;

the receiving platform information receiving module is used for receiving platform information obtained by the server side searching a preset platform information database according to the receiving user identification code corresponding to the two-dimensional code image; and the number of the first and second groups,

and the payment execution module is used for finishing payment operation according to the receiving platform information.

Correspondingly, the embodiment of the invention also provides a cross-platform payment system, which specifically comprises a server and at least one client;

the server is the cross-platform payment device of any one of the first cross-platform payment devices;

the client is the cross-platform payment device as described in any one of the second cross-platform payment devices.

The invention also provides a device, which specifically comprises a processor, a memory and a computer program stored in the memory and configured to be executed by the processor, wherein the processor executes the computer program to implement the cross-platform payment method as described in any one of the above.

The embodiment of the invention also provides a computer-readable storage medium, which specifically comprises a stored computer program, wherein the computer program executes the cross-platform payment method as described in any one of the above.

The implementation of the embodiment of the invention has the following beneficial effects:

according to the cross-platform payment method, the device and the system, the equipment and the readable storage medium provided by the embodiment of the invention, the platform information database is arranged in the server, so that when the payment platform used by the user is inconsistent with the receiving platform corresponding to the two-dimensional code provided by the merchant, all receiving platforms of the merchant can be obtained by searching in the platform information database, and the receiving platform corresponding to the payment platform used by the user is determined from the receiving platforms, so that the consistency between the payment platform used by the user and the final receiving platform of the merchant is kept, the cross-platform payment is realized, the convenience of payment is provided, and the payment speed is improved. In addition, for the merchant, the existing two-dimensional code does not need to be replaced, extra cost does not need to be consumed, convenience in cross-platform payment can be improved, and implementation cost is reduced.

Drawings

FIG. 1 is a schematic flow chart diagram of a preferred embodiment of a cross-platform payment method provided by the present invention;

FIG. 2 is a schematic flow chart diagram of another preferred embodiment of a cross-platform payment method provided by the present invention;

FIG. 3 is a schematic structural diagram of a preferred embodiment of the cross-platform payment device provided by the present invention;

FIG. 4 is a schematic structural diagram of another preferred embodiment of the cross-platform payment device provided by the present invention;

FIG. 5 is a schematic structural diagram of a preferred embodiment of the cross-platform payment system provided by the present invention;

fig. 6 is a schematic structural diagram of a preferred embodiment of the apparatus provided by the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention, and it is apparent that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be obtained by a person skilled in the art without any inventive step based on the embodiments of the present invention, are within the scope of the present invention.

As shown in fig. 1, a schematic flowchart of a preferred embodiment of a cross-platform payment method provided by the present invention is applicable to a server, and includes steps S11 to S14:

s11: receiving a payment request of a client; the payment request comprises a two-dimensional code image;

s12: acquiring a receiving user identification code according to the two-dimensional code image;

s13: searching and acquiring corresponding receiving platform information from a preset platform information database according to the receiving user identification code;

s14: and returning the receiving platform information to the client so that the client completes payment operation according to the receiving platform information.

It should be noted that the embodiment of the present invention is executed by the server. The server side is pre-stored with a platform information database, and the platform information database is stored with a plurality of user identification codes and platform information corresponding to each user identification code. The user identification code is a unique identification code corresponding to each user, in a specific application, the user can be a consumer or a merchant, and the role of the user is changed correspondingly according to different application scenes, which is not limited herein; the platform is usually a WeChat, Paibao, Unionpay and other payment platform; the platform information may be a platform address, for example, may be a wechat account address, a paypal account address, a bank account address, and the like.

In some more preferred embodiments, the server automatically updates the information in the platform information database every preset time period, or updates the corresponding information in the platform information database every time an update request sent by a certain user is received.

In this embodiment, the server may be simultaneously connected to one or more clients in a wireless manner, such as WIFI or cellular data. Wherein the client is usually a mobile terminal.

In some specific embodiments, the client is a mobile phone of the consumer. When a consumer consumes at a certain merchant and scans the two-dimensional code provided by the merchant through the mobile phone camera, the mobile phone automatically generates a payment request according to the two-dimensional code image obtained by scanning, and sends the payment request to the server. After receiving the two-dimensional code image sent by the mobile phone, the server analyzes the two-dimensional code image to obtain a receiving user identification code corresponding to the two-dimensional code, namely the identification code of a merchant. The identification code of the merchant may include information such as the name and the identity number of the merchant, and may also be a telephone number corresponding to the merchant. And then, the server searches and obtains all platform information of the merchant in the platform information database according to the identification code of the merchant, namely the receiving platform information comprises a WeChat account address, a Paibao account address and/or a bank account address and the like. And finally, the server returns the searched receiving platform information to the mobile phone, so that the consumer can complete payment operation on the mobile phone according to the receiving platform information. In this embodiment, the generation method of the platform information database may be: the merchant downloads the unionpay application program, registers as a member, obtains a virtual payment account, and associates the virtual account with a bank account number of the merchant. And clicking a shared money receiving code column in the Unionpay application program, opening a scanning camera, scanning a third-party two-dimensional code payment money receiving code of the scanning camera, clicking confirmation, and finishing the association of the third-party payment two-dimensional code and a bank account. The payment platform background of the Unionpay restores the money receiving code image into a money receiving code account or a personal identity, and then the money receiving code image is associated with the bank account and stored in the platform information database. If the merchant has a plurality of third party payment two-dimensional codes, the two-dimensional codes are scanned for a plurality of times, all the third party money receiving codes are all recorded and associated with the bank account, and all the third party money receiving codes of the merchant are also associated with each other.

In the embodiment, the platform information database is arranged in the server, so that when the payment platform used by the user is inconsistent with the receiving platform corresponding to the two-dimensional code provided by the merchant, all receiving platforms of the merchant can be obtained by searching in the platform information database, and the receiving platform corresponding to the payment platform used by the user is determined from the platform information database, so that the payment platform used by the user is consistent with the final receiving platform of the merchant, cross-platform payment is realized, convenience in payment is provided, and the payment speed is increased. In addition, for the merchant, the existing two-dimensional code does not need to be replaced, extra cost does not need to be consumed, convenience in cross-platform payment can be improved, and implementation cost is reduced.

In another preferred embodiment, the payment request further includes a payment platform identification code;

the step S13 specifically includes:

In this embodiment, the server determines the type of the receiving platform of the final amount according to the type of the payment platform used by the client. The payment request sent by the client to the server comprises an identification code of the payment platform, and after the payment request sent by the client is received by the server, the server searches and obtains corresponding receiving platform information from the platform information database by combining the analyzed receiving user identification code and the payment platform identification code in the payment request.

In some specific embodiments, the client is a mobile phone of the consumer. When a consumer consumes at a certain merchant and pays by scanning a two-dimensional code (no matter the two-dimensional code is a WeChat two-dimensional code, a Paibao two-dimensional code or a Unionpay two-dimensional code) provided by the merchant through a WeChat platform on the mobile phone, the mobile phone automatically acquires an identification code of a local payment platform, namely an identification code of the WeChat platform, while generating a corresponding two-dimensional code image, and generates a corresponding payment request according to the generated two-dimensional code image and the acquired WeChat platform identification code. And then, the mobile phone sends the generated payment request to the server. After receiving the payment request, the server analyzes the two-dimensional code image, and searches and obtains all platform information corresponding to the merchant from the platform information database according to the identification code of the merchant obtained through analysis, wherein the platform information comprises a WeChat account address, a Paibao account address, a bank account address and the like. And then, the server screens out the WeChat platform information from all the platform information obtained by searching according to the WeChat platform identification code in the payment request, namely screens out the WeChat account address of the merchant, and returns the WeChat account address to the mobile phone. The consumer can complete the payment operation on the mobile phone through the WeChat platform without considering what kind of two-dimensional code of the payment platform is provided by the merchant.

In some more preferred embodiments, after receiving the payment platform identification code, the server may further verify the payment platform identification code, so as to determine whether the payment platform is a legal payment platform, and improve the security of the payment process.

In a further preferred embodiment, the payment request further includes a receiving platform identification code;

the step S13 specifically includes:

In this embodiment, the server determines the type of the receiving platform for the final amount of money according to the type of the receiving platform provided by the amount recipient. The payment request sent by the client to the server comprises an identification code of a receiving platform, and after the payment request sent by the client is received by the server, the server searches and obtains corresponding receiving platform information from a platform information database by combining the analyzed receiving user identification code and the receiving platform identification code in the payment request.

In some specific embodiments, the client is a mobile phone of the consumer. When a consumer consumes at a certain merchant and scans a two-dimensional code of a pay bank provided by the merchant for payment through a certain payment platform (such as a WeChat platform, a pay bank platform or a Unionpay payment platform) on a mobile phone, the mobile phone automatically identifies and acquires an identification code of a receiving platform corresponding to the two-dimensional code provided by the merchant, namely the identification code of the pay bank platform, and generates a corresponding payment request according to the generated two-dimensional code image and the acquired identification code of the pay bank platform. And paying the request. And then, the mobile phone sends the generated payment request to the server. After receiving the payment request, the server analyzes the two-dimensional code image, and searches and obtains all platform information corresponding to the merchant from the platform information database according to the identification code of the merchant obtained through analysis, wherein the platform information comprises a WeChat account address, a Paibao account address, a bank account address and the like. And then, the server screens the platform information of the Payment treasure from all the platform information obtained by searching according to the platform identification code of the Payment treasure in the payment request, namely screens the Payment treasure account address of the merchant, and returns the Payment treasure account address to the mobile phone. The mobile phone automatically jumps to the Paibao platform according to the Paibao account address, and a consumer can complete payment operation on the mobile phone through the Paibao platform without considering what kind of two-dimensional code of the Paibao platform the two-dimensional code provided by a merchant is and without replacing the opened Paibao platform according to the type of the two-dimensional code provided by the merchant.

In some more preferred embodiments, after receiving the receiving platform identification code, the server may further verify the receiving platform identification code, so as to determine whether the receiving platform is a legal receiving platform, and improve the security of the payment process.

In another preferred embodiment, the step S14 specifically includes steps S1411 to S1414:

s1411: returning the receiving platform information to the client so that the client generates a corresponding payment instruction according to the receiving platform information;

s1412: receiving the payment instruction sent by the client;

s1413: obtaining a receiving account corresponding to the receiving platform information according to the payment instruction;

s1414: and crediting the target amount to the receiving account.

Further, after the step S1412 and before the step S1414, the method further includes:

deducting the target amount from the payment account.

In this embodiment, the number of pieces of receiving platform information returned by the server to the client is 1. The money transfer operation is completed by the server.

In some specific embodiments, the client is a mobile phone of the consumer. Suppose that when a consumer consumes at a certain merchant, the consumer pays through the WeChat platform, and the merchant provides the two-dimensional code of the Paibao platform.

In a first specific embodiment, the payment request sent by the mobile phone to the server includes the two-dimensional code image. And the server acquires all the receiving platform information corresponding to the merchant from the platform information database according to the payment request, and the assumption includes a WeChat account address, a Paibao account address and a bank account address. And if the merchant presets the bank account address as the most preferable receiving platform information, the server returns the bank account address to the mobile phone terminal. And the mobile phone end automatically jumps to the Unionpay payment platform according to the bank account address, and after the consumer confirms payment in the Unionpay payment platform, the mobile phone end generates a corresponding payment instruction according to the identification code of the consumer and the bank account address and sends the payment instruction to the server. After receiving the payment instruction, the server searches and obtains the bank account address of the consumer from the platform information database according to the identification code of the consumer and the bank account address in the payment instruction, and further obtains the bank account of the consumer; meanwhile, acquiring a bank account of the merchant according to the bank account address in the payment instruction and the identification code of the merchant obtained by previous analysis; and finally, deducting the target amount to be paid from the bank account of the consumer, and then drawing the target amount into the bank account of the merchant.

In a second specific embodiment, the payment request sent by the mobile phone to the server includes the two-dimensional code image and the wechat platform identification code. And the server side obtains the WeChat account address corresponding to the merchant from the platform information database according to the payment request, and returns the WeChat account address to the mobile phone side. And after the customer confirms payment in the wechat platform according to the prompt, the mobile phone end generates a corresponding payment instruction according to the identification code of the customer and the wechat account address and sends the payment instruction to the server. After receiving the payment instruction, the server searches and obtains the WeChat account address of the consumer from the platform information database according to the identification code of the consumer and the WeChat account address in the payment instruction, and further obtains the WeChat account of the consumer; meanwhile, acquiring a WeChat account of the merchant according to the WeChat account address in the payment instruction and the identification code of the merchant acquired by previous analysis; and finally, deducting the target amount to be paid from the WeChat account of the consumer, and then transferring the target amount into the WeChat account of the merchant.

In a third specific embodiment, the request sent by the mobile phone to the server includes the two-dimensional code image and the identifier of the paymate platform. And the server side obtains the payment bank account address corresponding to the merchant from the platform information database according to the payment request, and returns the payment bank account address to the mobile phone side. And the mobile phone end automatically jumps to the Payment platform according to the Payment account address, and after the consumer confirms payment in the Payment platform, the mobile phone end generates a corresponding payment instruction according to the identification code of the consumer and the Payment account address and sends the payment instruction to the server. After receiving the payment instruction, the server searches and obtains the payment account address of the consumer from the platform information database according to the identification code of the consumer and the payment account address in the payment instruction, and further obtains the payment account of the consumer; meanwhile, acquiring a payment account of the merchant according to the payment account address in the payment instruction and the identification code of the merchant obtained by previous analysis; and finally, deducting the target amount to be paid from the payment account of the consumer, and then transferring the target amount to the payment account of the merchant.

It should be further noted that, in some more preferred embodiments, the consumer may perform operations such as inputting a payment amount and a payment password while confirming payment at the mobile phone terminal, the server determines the target amount according to the payment amount input by the consumer, and performs security verification according to the payment password input by the consumer, thereby improving reliability of the payment process.

In another preferred embodiment, the step S14 specifically includes the step S1421:

s1421: and returning the receiving platform information to the client so that the client generates a corresponding payment instruction according to the receiving platform information and enables a target platform server corresponding to the receiving platform information to transfer the target amount into a receiving account corresponding to the receiving platform information through the payment instruction.

It should be noted that the number of the receiving platform information returned to the client by the server is 1. And the money transfer operation is completed by the target platform server. The target platform server is a third-party platform server independent of the server.

In a first specific embodiment, the payment request sent by the mobile phone to the server includes the two-dimensional code image. And the server acquires all the receiving platform information corresponding to the merchant from the platform information database according to the payment request, and the assumption includes a WeChat account address, a Paibao account address and a bank account address. And if the merchant presets the bank account address as the most preferable receiving platform information, the server returns the bank account address to the mobile phone terminal. And the mobile phone end automatically jumps to the Unionpay payment platform according to the bank account address, generates a corresponding payment instruction according to the identification code of the consumer and the bank account address after the consumer confirms payment in the Unionpay payment platform, and sends the payment instruction to a server corresponding to a bank organization, namely a service end of the Unionpay payment platform, namely a service end of the target platform. After receiving the payment instruction, the service end of the UnionPay payment platform searches a local database according to the identification code of the consumer in the payment instruction to obtain the bank account of the consumer; meanwhile, the bank account of the merchant is searched and obtained in the database according to the bank account address of the merchant in the payment instruction; and finally, deducting the target amount to be paid from the bank account of the consumer, and transferring the target amount into the bank account of the merchant.

In a second specific embodiment, the payment request sent by the mobile phone to the server includes the two-dimensional code image and the wechat platform identification code. And the server side obtains the WeChat account address corresponding to the merchant from the platform information database according to the payment request, and returns the WeChat account address to the mobile phone side. The mobile phone end makes a corresponding prompt after receiving the WeChat account address, and after a consumer confirms payment in the WeChat platform according to the prompt, the mobile phone end generates a corresponding payment instruction according to the identification code of the consumer and the WeChat account address, and sends the payment instruction to a server corresponding to a WeChat operator, namely a WeChat platform server, namely the target platform server. After receiving the payment instruction, the WeChat platform server searches and obtains a WeChat account of the consumer from a local database according to the identification code of the consumer in the payment instruction; meanwhile, searching and obtaining the WeChat account of the merchant from the database according to the WeChat account address of the merchant in the payment instruction; and finally, deducting the target amount to be paid from the WeChat account of the consumer, and then transferring the target amount into the WeChat account of the merchant.

In a third specific embodiment, the request sent by the mobile phone to the server includes the two-dimensional code image and the identifier of the paymate platform. And the server side obtains the payment bank account address corresponding to the merchant from the platform information database according to the payment request, and returns the payment bank account address to the mobile phone side. The mobile phone end automatically jumps to the Payment platform according to the Payment Bao account address, after a consumer confirms payment in the Payment Bao platform, the mobile phone end generates a corresponding payment instruction according to the identification code of the consumer and the Payment Bao account address, and sends the payment instruction to a server corresponding to a Payment Bao operator, namely a Payment Bao platform server, namely the target platform server. After receiving the payment instruction, the service end of the Payment platform searches a local database according to the identification code of the consumer in the payment instruction to obtain a Payment account of the consumer; meanwhile, searching and obtaining the payment account of the merchant from the database according to the payment account address of the merchant in the payment instruction; and finally, deducting the target amount to be paid from the payment account of the consumer, and then transferring the target amount to the payment account of the merchant.

It should be further noted that, in some more preferred embodiments, the consumer may perform operations such as inputting a payment amount and a payment password while confirming payment at the mobile phone terminal, the target platform server determines the target amount according to the payment amount input by the consumer, and performs security verification according to the payment password input by the consumer, thereby improving reliability of the payment process.

In another preferred embodiment, the number of the receiving platform information is n; wherein n is more than or equal to 2;

the step S14 specifically includes the step S1431:

s1431: and returning all the receiving platform information to the client so that the client completes payment operation according to any receiving platform information.

Further, the step S1431 specifically includes steps S1431_11 to S1431_ 14:

s1431_ 11: returning all the receiving platform information to the client so that the client can obtain target receiving platform information according to any receiving platform information and generate a corresponding payment instruction according to the target receiving platform information;

s1431_ 12: receiving the payment instruction sent by the client;

s1431_ 13: obtaining a receiving account corresponding to the target receiving platform information according to the payment instruction;

s1431_ 14: and crediting the target amount to the receiving account.

Further, after the step S1431_12 and before the step S1431_14, the method further includes:

deducting the target amount from the payment account.

In this embodiment, the number of pieces of receiving platform information returned to the client by the server is plural, and the user can select any piece of receiving platform information from the client to perform subsequent payment. The money transfer operation is completed by the server.

In a first specific embodiment, the payment request sent by the mobile phone to the server includes the two-dimensional code image. And the server acquires all the receiving platform information corresponding to the merchant from the platform information database according to the payment request, and the assumption includes a WeChat account address, a Paibao account address and a bank account address. And then, the server side returns all the searched and obtained receiving platform information to the mobile phone side, namely, the WeChat account address, the Paibao account address and the bank account address are all returned to the mobile phone side. The mobile phone end generates corresponding prompts according to the information of the plurality of receiving platforms returned by the server end, and a consumer can select a payment platform to be finally used on the mobile phone. And if the consumer finally selects the WeChat platform for payment, the mobile phone end generates a corresponding payment instruction according to the identification code of the consumer and the WeChat account address, and sends the payment instruction to the server. After receiving the payment instruction, the server searches and obtains the WeChat account address of the consumer from the platform information database according to the identification code of the consumer and the WeChat account address in the payment instruction, and further obtains the WeChat account of the consumer; meanwhile, acquiring a WeChat account of the merchant according to the WeChat account address in the payment instruction and the identification code of the merchant acquired by previous analysis; and finally, deducting the target amount to be paid from the WeChat account of the consumer, and then crediting the WeChat account of the merchant.

In a second specific embodiment, the payment request sent by the mobile phone to the server includes the two-dimensional code image and the wechat platform identification code. And the server side obtains a plurality of WeChat account addresses corresponding to the merchants from the platform information database according to the payment request, and returns all the WeChat account addresses to the mobile phone side. The mobile phone end makes corresponding prompts after receiving the WeChat account addresses, the consumer selects one WeChat account address as final target receiving platform information according to the prompts and confirms payment in the WeChat platform, and the mobile phone end generates a corresponding payment instruction according to the identification code of the consumer and the selected WeChat account address and sends the payment instruction to the server end. After receiving the payment instruction, the server searches and obtains the WeChat account address of the consumer from the platform information database according to the identification code of the consumer and the WeChat account address in the payment instruction, and further obtains the WeChat account of the consumer; meanwhile, acquiring a WeChat account of a corresponding merchant according to the WeChat account address in the payment instruction and the identification code of the merchant acquired by previous analysis; and finally, deducting the target amount to be paid from the WeChat account of the consumer, and then transferring the target amount into the WeChat account of the merchant.

In a third specific embodiment, the request sent by the mobile phone to the server includes the two-dimensional code image and the identifier of the paymate platform. And the server side obtains a plurality of Payment treasure account addresses corresponding to the merchants from the platform information database according to the payment request, and returns the Payment treasure account addresses to the mobile phone side. And the mobile phone terminal automatically jumps to the Payment platform according to the Payment bank account addresses and makes corresponding prompts, a consumer selects one Payment bank account address as final target receiving platform information according to the prompts and confirms payment in the Payment bank platform, and then the mobile phone terminal generates a corresponding payment instruction according to the identification code of the consumer and the selected Payment bank account address and sends the payment instruction to the server terminal. After receiving the payment instruction, the server searches and obtains the payment account address of the consumer from the platform information database according to the identification code of the consumer and the payment account address in the payment instruction, and further obtains the payment account of the consumer; meanwhile, obtaining a corresponding payment account of the merchant according to the payment account address in the payment instruction and the identification code of the merchant obtained by previous analysis; and finally, deducting the target amount to be paid from the payment account of the consumer, and then transferring the target amount to the payment account of the merchant.

the step S14 specifically includes the step S1431:

Further, the step S1431 specifically includes the step S1431_ 21:

s1431_ 21: and returning all the receiving platform information to the client so that the client generates a corresponding payment instruction according to any receiving platform information and enables the target platform server to transfer the target amount into a corresponding receiving account through the payment instruction.

It should be noted that the number of the receiving platform information returned to the client by the server is multiple, and the user can select any receiving platform information from the client to perform subsequent payment. And the money transfer operation is completed by the target platform server. The target platform server is a third-party platform server independent of the server.

In a first specific embodiment, the payment request sent by the mobile phone to the server includes the two-dimensional code image. And the server acquires all the receiving platform information corresponding to the merchant from the platform information database according to the payment request, and the assumption includes a WeChat account address, a Paibao account address and a bank account address. And then, the server side returns all the searched and obtained receiving platform information to the mobile phone side, namely, the WeChat account address, the Paibao account address and the bank account address are all returned to the mobile phone side. The mobile phone end generates corresponding prompts according to the information of the plurality of receiving platforms returned by the server end, and a consumer can select a payment platform to be finally used on the mobile phone. If the consumer finally selects the WeChat platform for payment, the mobile phone end generates a corresponding payment instruction according to the identification code of the consumer and the WeChat account address, and sends the payment instruction to a server corresponding to a WeChat operator, namely a WeChat platform server, namely the target platform server. After receiving the payment instruction, the WeChat platform server searches a local database according to the identification code of the consumer in the payment instruction to obtain a WeChat account of the consumer; meanwhile, searching and obtaining a WeChat account of the merchant in a database according to the WeChat account address of the merchant in the payment instruction; and finally, deducting the target amount to be paid from the WeChat account of the consumer, and then transferring the target amount into the WeChat account of the merchant.

In a second specific embodiment, the payment request sent by the mobile phone to the server includes the two-dimensional code image and the wechat platform identification code. And the server side obtains a plurality of WeChat account addresses corresponding to the merchants from the platform information database according to the payment request, and returns all the WeChat account addresses to the mobile phone side. The mobile phone end makes corresponding prompts after receiving the WeChat account addresses, a consumer selects one WeChat account address as final target receiving platform information according to the prompts and confirms payment in the WeChat platform, and the mobile phone end generates a corresponding payment instruction according to the identification code of the consumer and the selected WeChat account address and sends the payment instruction to a service end corresponding to a WeChat operator, namely a WeChat platform service end, namely the target platform service end. After receiving the payment instruction, the WeChat platform server searches and obtains a WeChat account of the consumer from a local database according to the identification code of the consumer in the payment instruction; meanwhile, searching and obtaining a corresponding merchant WeChat account from a database according to the merchant WeChat account address in the payment instruction; and finally, deducting the target amount to be paid from the WeChat account of the consumer, and then transferring the target amount into the WeChat account of the merchant.

In a third specific embodiment, the request sent by the mobile phone to the server includes the two-dimensional code image and the identifier of the paymate platform. And the server side obtains a plurality of Payment treasure account addresses corresponding to the merchants from the platform information database according to the payment request, and returns the Payment treasure account addresses to the mobile phone side. The mobile phone end automatically jumps to the Payment platform according to the Payment bank account addresses and makes corresponding prompts, a consumer selects one Payment bank account address as final target receiving platform information according to the prompts and confirms payment in the Payment bank platform, and the mobile phone end generates a corresponding payment instruction according to the identification code of the consumer and the selected Payment bank account address and sends the payment instruction to a service end corresponding to a Payment bank operator, namely a Payment bank platform service end, namely the target platform service end. After receiving the payment instruction, the service end of the Payment platform searches a local database according to the identification code of the consumer in the payment instruction to obtain a Payment account of the consumer; meanwhile, searching and acquiring a corresponding payment account of the merchant from a database according to the payment account address of the merchant in the payment instruction; and finally, deducting the target amount to be paid from the payment account of the consumer, and then transferring the target amount to the payment account of the merchant.

It should be noted that the step numbers are only used for identifying different steps, and the sequence between the steps is not limited.

According to the cross-platform payment method provided by the embodiment of the invention, the platform information database is arranged in the server, so that when the payment platform used by the user is inconsistent with the receiving platform corresponding to the two-dimensional code provided by the merchant, all receiving platforms of the merchant can be obtained by searching in the platform information database, and the receiving platform corresponding to the payment platform used by the user is determined from the receiving platforms, so that the payment platform used by the user is consistent with the final receiving platform of the merchant, the cross-platform payment is realized, the payment convenience is provided, and the payment speed is improved. In addition, for the merchant, the existing two-dimensional code does not need to be replaced, extra cost does not need to be consumed, convenience in cross-platform payment can be improved, and implementation cost is reduced.

As shown in fig. 2, a schematic flowchart of another cross-platform payment method provided by the present invention, which is suitable for a client, includes steps S21 to S23:

s21: sending a payment request to a server; the payment request comprises a two-dimensional code image;

s22: receiving platform information obtained by the server side through searching a preset platform information database according to the receiving user identification code corresponding to the two-dimensional code image;

s23: and completing payment operation according to the receiving platform information.

It should be noted that the embodiment of the present invention is executed by the client. The server side can be simultaneously connected with one or more clients in wireless modes such as WIFI and cellular data. Wherein the client is usually a mobile terminal.

In another preferred embodiment, before the step S21, the method further includes steps S011 to S013:

s011: obtaining a two-dimensional code image by scanning a target two-dimensional code;

s012: acquiring a local payment platform identification code;

s012: generating the payment request according to the two-dimensional code image and the payment platform identification code;

the step S22 specifically includes the step S2211:

s2211: and receiving platform information which is searched and obtained by the server from the platform information database and corresponds to the receiving user identification code and the payment platform identification code.

In a further preferred embodiment, before the step S21, the method further includes steps S021 to S023:

s021: obtaining a two-dimensional code image by scanning a target two-dimensional code;

s022: acquiring a receiving platform identification code corresponding to the target two-dimensional code;

s023: generating the payment request according to the two-dimensional code image and the receiving platform identification code;

step S22, specifically includes step S2221:

In another preferred embodiment, the step S23 specifically includes steps S2311 to S2312:

s2311: generating a corresponding payment instruction according to the receiving platform information;

s2312: and sending the payment instruction to the server so that the server transfers the target amount to a receiving account corresponding to the receiving platform information.

Further, the step S2312 specifically includes the step S2312_ 1:

s2312_ 1: and sending the payment instruction to the server, so that the server deducts the target amount from a payment account corresponding to the receiving platform information and then transfers the target amount into a receiving account corresponding to the receiving platform information.

In another preferred embodiment, the step S23 specifically includes steps S2321 to S2322:

s2321: generating a corresponding payment instruction according to the receiving platform information;

s2322: and sending the payment instruction to a target platform server corresponding to the receiving platform information so that the target platform server transfers the target amount to a receiving account corresponding to the receiving platform information.

the step S22 specifically includes:

the step S23 specifically includes a step S2331:

s2331: and completing payment operation according to any receiving platform information.

Further, the step S2331 specifically includes steps S2331_11 to S2331_ 13:

s2331_ 11: responding to the selection operation of a user on any receiving platform information, and taking the receiving platform information selected by the user as target receiving platform information;

s2331_ 12: generating a corresponding payment instruction according to the target receiving platform information;

s2331_ 13: and sending the payment instruction to the server so that the server transfers the target amount to a receiving account corresponding to the target receiving platform information.

Further, step S2331_13 specifically includes:

In the present embodiment, the number of pieces of receiving platform information returned by the server to the client is plural. The money transfer operation is completed by the server.

the step S22 specifically includes:

the step S23 specifically includes a step S2331:

Further, the step S2331 specifically includes steps S2331_21 to S2331_ 23:

s2331_ 21: responding to the selection operation of a user on any receiving platform information, and taking the receiving platform information selected by the user as target receiving platform information;

s2331_ 22: generating a corresponding payment instruction according to the target receiving platform information;

s2331_ 23: and sending the payment instruction to a target platform server corresponding to the target receiving platform information so that the target platform server transfers the target amount to a receiving account corresponding to the target receiving platform information.

It should be noted that the number of pieces of receiving platform information returned to the client by the server is plural. And the money transfer operation is completed by the target platform server. The target platform server is a third-party platform server independent of the server.

Correspondingly, the invention also provides two cross-platform payment devices, which can realize all the processes of the cross-platform payment method in the embodiment.

As shown in fig. 3, a schematic structural diagram of a preferred embodiment of a cross-platform payment apparatus provided in the present invention specifically includes:

a payment request receiving module 31, configured to receive a payment request of a client; the payment request comprises a two-dimensional code image;

the two-dimensional code image analysis module 32 is used for obtaining a receiving user identification code according to the two-dimensional code image;

a receiving platform information obtaining module 33, configured to search for and obtain corresponding receiving platform information from a preset platform information database according to the receiving user identification code; and the number of the first and second groups,

and the payment execution module 34 is configured to return the receiving platform information to the client, so that the client completes payment operation according to the receiving platform information.

the receiving platform information obtaining module specifically includes:

and the first receiving platform information obtaining unit is used for searching and obtaining the receiving platform information corresponding to the receiving user identification code and the payment platform identification code from the platform information database.

the receiving platform information obtaining module specifically includes:

and the second receiving platform information obtaining unit is used for searching and obtaining the receiving platform information corresponding to the receiving user identification code and the receiving platform identification code from the platform information database.

Further, the payment execution module specifically includes:

the receiving platform information returning unit is used for returning the receiving platform information to the client so that the client generates a corresponding payment instruction according to the receiving platform information;

a payment instruction receiving unit, configured to receive the payment instruction sent by the client;

a receiving account obtaining unit, configured to obtain a receiving account corresponding to the receiving platform information according to the payment instruction; and the number of the first and second groups,

and the target amount drawing unit is used for drawing the target amount into the receiving account.

Further, the payment execution module further includes:

the payment account obtaining unit is used for obtaining a payment account corresponding to the receiving platform information according to the payment instruction; and the number of the first and second groups,

and the target amount deduction unit is used for deducting the target amount from the payment account.

Further, the payment execution module specifically includes:

and the target amount transfer unit is used for returning the receiving platform information to the client so as to enable the client to generate a corresponding payment instruction according to the receiving platform information and enable the target platform server corresponding to the receiving platform information to transfer the target amount to the receiving account corresponding to the receiving platform information through the payment instruction.

the payment execution module specifically includes:

and the payment execution unit is used for returning all the receiving platform information to the client so that the client completes payment operation according to any receiving platform information.

Further, the payment execution unit specifically includes:

the payment instruction obtaining subunit is configured to return all the receiving platform information to the client, so that the client obtains target receiving platform information according to any one of the receiving platform information and generates a corresponding payment instruction according to the target receiving platform information;

the receiving account obtaining subunit is used for receiving the payment instruction sent by the client;

the receiving account obtaining subunit is configured to obtain a receiving account corresponding to the target receiving platform information according to the payment instruction; and the number of the first and second groups,

and the target amount appropriating subunit is used for appropriating the target amount into the receiving account.

Further, the payment execution unit further includes:

the payment account obtaining subunit is configured to obtain, according to the payment instruction, a payment account corresponding to the target receiving platform information; and the number of the first and second groups,

and the target amount deduction subunit is used for deducting the target amount from the payment account.

Further, the payment execution unit specifically includes:

and the target amount transfer subunit is used for returning all the receiving platform information to the client so that the client generates a corresponding payment instruction according to any one of the receiving platform information and enables the target platform server to transfer the target amount to a corresponding receiving account through the payment instruction.

According to the cross-platform payment device provided by the embodiment of the invention, the platform information database is arranged in the server, so that when the payment platform used by the user is inconsistent with the receiving platform corresponding to the two-dimensional code provided by the merchant, all receiving platforms of the merchant can be obtained by searching in the platform information database, and the receiving platform corresponding to the payment platform used by the user is determined from the receiving platforms, so that the payment platform used by the user is consistent with the final receiving platform of the merchant, the cross-platform payment is realized, the payment convenience is provided, and the payment speed is improved. In addition, for the merchant, the existing two-dimensional code does not need to be replaced, extra cost does not need to be consumed, convenience in cross-platform payment can be improved, and implementation cost is reduced.

As shown in fig. 4, a schematic structural diagram of a preferred embodiment of another cross-platform payment apparatus provided in the present invention specifically includes:

Further, the cross-platform payment device further comprises:

the first two-dimensional code image obtaining module is used for obtaining a two-dimensional code image by scanning a target two-dimensional code;

the payment platform identification code acquisition module is used for acquiring a local payment platform identification code; and the number of the first and second groups,

the first payment request generation module is used for generating the payment request according to the two-dimensional code image and the payment platform identification code;

the receiving platform information receiving module specifically includes:

and the first receiving platform information receiving unit is used for receiving platform information which is searched and obtained by the server from the platform information database and corresponds to the receiving user identification code and the payment platform identification code.

Further, the cross-platform payment device further comprises:

the second two-dimension code image obtaining module is used for obtaining the two-dimension code image by scanning the target two-dimension code;

the receiving platform identification code obtaining module is used for obtaining a receiving platform identification code corresponding to the target two-dimensional code; and the number of the first and second groups,

the second payment request generation module is used for generating the payment request according to the two-dimensional code image and the receiving platform identification code;

the receiving platform information receiving module specifically includes:

and the second receiving platform information receiving unit is used for receiving the receiving platform information which is searched and obtained by the server from the platform information database and corresponds to the receiving user identification code and the receiving platform identification code.

Further, the payment execution module specifically includes:

the first payment instruction generating unit is used for generating a corresponding payment instruction according to the receiving platform information; and the number of the first and second groups,

and the target amount appropriating unit is used for sending the payment instruction to the server so as to enable the server to appropriate the target amount to a receiving account corresponding to the target receiving platform information.

Further, the target amount transfer unit specifically includes:

and the target amount deduction and transfer subunit is used for sending the payment instruction to the server so that the server deducts the target amount from a payment account corresponding to the receiving platform information and transfers the target amount to a receiving account corresponding to the receiving platform information.

Further, the payment execution module specifically includes:

the second payment instruction generating unit is used for generating a corresponding payment instruction according to the receiving platform information; and the number of the first and second groups,

and the target amount transfer unit is used for sending the payment instruction to a target platform server corresponding to the receiving platform information so as to enable the target platform server to transfer the target amount to a receiving account corresponding to the receiving platform information.

the receiving platform information receiving module specifically includes:

the receiving platform information receiving unit is used for receiving all the receiving platform information obtained by the server side searching a preset platform information database according to the receiving user identification code corresponding to the two-dimensional code image;

the payment execution module specifically comprises:

and the payment execution unit is used for finishing payment operation according to any receiving platform information.

Further, the payment execution unit specifically includes:

the first target receiving platform information obtaining subunit is configured to, in response to a selection operation of a user on any one of the receiving platform information, use the receiving platform information selected by the user as target receiving platform information;

the first payment instruction generating subunit is used for generating a corresponding payment instruction according to the target receiving platform information; and the number of the first and second groups,

and the target amount transfer subunit is used for sending the payment instruction to the server so that the server transfers the target amount to a receiving account corresponding to the target receiving platform information.

Further, the step of importing the target amount into the subunit specifically includes:

and the target amount deducting and transferring subunit is used for sending the payment instruction to the server so as to transfer the target amount to the receiving account corresponding to the target receiving platform information after the server deducts the target amount from the payment account corresponding to the target receiving platform information.

Further, the payment execution unit specifically includes:

a second target receiving platform information obtaining subunit, configured to respond to a selection operation of a user on any one of the receiving platform information, and use the receiving platform information selected by the user as target receiving platform information;

the second payment instruction generating subunit is used for generating a corresponding payment instruction according to the target receiving platform information; and the number of the first and second groups,

and the target amount transfer subunit is used for sending the payment instruction to a target platform server corresponding to the target receiving platform information so that the target platform server transfers the target amount to a receiving account corresponding to the target receiving platform information.

Correspondingly, the invention further provides a cross-platform payment system.

As shown in fig. 5, a schematic structural diagram of a preferred embodiment of the cross-platform payment system provided in the present invention specifically includes a server 51 and at least one client 52;

the server 51 is a cross-platform payment device as described in any one of the above first cross-platform payment devices;

the client 52 is a cross-platform payment device as described in any one of the second cross-platform payment devices above.

According to the cross-platform payment system provided by the embodiment of the invention, the platform information database is arranged in the server, so that when the payment platform used by the user is inconsistent with the receiving platform corresponding to the two-dimensional code provided by the merchant, all receiving platforms of the merchant can be obtained by searching in the platform information database, and the receiving platform corresponding to the payment platform used by the user is determined from the receiving platforms, so that the payment platform used by the user is consistent with the final receiving platform of the merchant, the cross-platform payment is realized, the payment convenience is provided, and the payment speed is improved. In addition, for the merchant, the existing two-dimensional code does not need to be replaced, extra cost does not need to be consumed, convenience in cross-platform payment can be improved, and implementation cost is reduced.

The invention also provides equipment.

As shown in fig. 6, which is a schematic structural diagram of a preferred embodiment of the device provided by the present invention, the device includes a processor 61, a memory 62, and a computer program stored in the memory 62 and configured to be executed by the processor 61, and when the processor 61 executes the computer program, the cross-platform payment method according to any one of the above embodiments is implemented.

It should be noted that fig. 6 only illustrates an example in which one memory and one processor in the device are connected, and in some specific embodiments, the device may further include a plurality of memories and/or a plurality of processors, and the specific number and the connection mode thereof may be set and adapted according to actual needs.

According to the device provided by the embodiment of the invention, the platform information database is arranged in the server, so that when the payment platform used by the user is inconsistent with the receiving platform corresponding to the two-dimensional code provided by the merchant, all receiving platforms of the merchant can be obtained by searching in the platform information database, and the receiving platform corresponding to the payment platform used by the user is determined from the receiving platforms, so that the payment platform used by the user is consistent with the final receiving platform of the merchant, cross-platform payment is realized, the payment convenience is provided, and the payment speed is improved. In addition, for the merchant, the existing two-dimensional code does not need to be replaced, extra cost does not need to be consumed, convenience in cross-platform payment can be improved, and implementation cost is reduced.

The invention further provides a computer-readable storage medium, which specifically includes a stored computer program, where when the computer program runs, the apparatus where the computer-readable storage medium is located is controlled to execute the cross-platform payment method according to any one of the above embodiments.

It should be noted that, all or part of the flow in the method according to the above embodiments of the present invention may also be implemented by a computer program instructing related hardware, where the computer program may be stored in a computer-readable storage medium, and when the computer program is executed by a processor, the steps of the above embodiments of the method may be implemented. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be further noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals in accordance with legislation and patent practice.

According to the computer-readable storage medium provided by the embodiment of the invention, the platform information database is arranged in the server, so that when the payment platform used by the user is inconsistent with the receiving platform corresponding to the two-dimensional code provided by the merchant, all receiving platforms of the merchant can be obtained by searching in the platform information database, and the receiving platform corresponding to the payment platform used by the user is determined from the receiving platforms, so that the payment platform used by the user is consistent with the final receiving platform of the merchant, the cross-platform payment is realized, the payment convenience is provided, and the payment speed is improved. In addition, for the merchant, the existing two-dimensional code does not need to be replaced, extra cost does not need to be consumed, convenience in cross-platform payment can be improved, and implementation cost is reduced.

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.

Claims

1. A cross-platform payment method is suitable for a server side and is characterized by comprising the following steps:

receiving a payment request of a client; the payment request comprises a two-dimensional code image; the two-dimensional code image is used as a money receiving code image for receiving a payment user;

acquiring a receiving user identification code according to the two-dimensional code image; after receiving a two-dimensional code image sent by a client, a server analyzes the two-dimensional code image to obtain a receiving user identification code corresponding to the two-dimensional code, wherein the receiving user identification code is used as a unique identity identification code of a receiving payment user;

searching and acquiring receiving platform information corresponding to the receiving user from a preset platform information database according to the receiving user identification code; the receiving platform information is used as a platform address for receiving payment and comprises a WeChat account address, a Paibao account address and/or a bank account address; the platform information database associates the receiving user identification code with each receiving platform information in advance;

2. The cross-platform payment method of claim 1, further comprising a payment platform identification code in the payment request;

3. The cross-platform payment method of claim 1, further comprising receiving a platform identification code in the payment request;

4. The cross-platform payment method according to any one of claims 1 to 3, wherein the returning the receiving platform information to the client so that the client completes payment operation according to the receiving platform information specifically comprises:

receiving the payment instruction sent by the client;

and crediting the target amount to the receiving account.

5. The cross-platform payment method of claim 4, wherein after the receiving the payment instruction sent by the client, prior to the debiting the target amount to the receiving account, further comprising:

deducting the target amount from the payment account.

6. The cross-platform payment method according to any one of claims 1 to 3, wherein the returning the receiving platform information to the client so that the client completes payment operation according to the receiving platform information specifically comprises:

7. The cross-platform payment method of any one of claims 1 to 3, wherein the number of the receiving platform information is n; wherein n is more than or equal to 2;

8. The cross-platform payment method according to claim 7, wherein the returning all the receiving platform information to the client so that the client completes payment operation according to any one of the receiving platform information specifically comprises:

receiving the payment instruction sent by the client;

and crediting the target amount to the receiving account.

9. The cross-platform payment method of claim 8, wherein after the receiving the payment instruction sent by the client, prior to the debiting the receiving account with the target amount, further comprising:

deducting the target amount from the payment account.

10. The cross-platform payment method according to claim 7, wherein the returning all the receiving platform information to the client so that the client completes payment operation according to any one of the receiving platform information specifically comprises:

11. A cross-platform payment method is suitable for a client, and is characterized by comprising the following steps:

sending a payment request to a server; the payment request comprises a two-dimensional code image; the two-dimensional code image is used as a money receiving code image for receiving a payment user;

receiving platform information obtained by the server side through searching a preset platform information database according to the receiving user identification code corresponding to the two-dimensional code image; after receiving a two-dimensional code image sent by a client, a server analyzes the two-dimensional code image to obtain a receiving user identification code corresponding to the two-dimensional code, wherein the receiving user identification code is used as a unique identity identification code of a receiving payment user; the receiving platform information is a platform address for receiving payment and comprises a WeChat account address, a Paibao account address and/or a bank account address; the platform information database associates the receiving user identification code with each receiving platform information in advance;

12. The cross-platform payment method of claim 11, further comprising, prior to said sending the payment request to the server:

acquiring a local payment platform identification code;

13. The cross-platform payment method of claim 11, further comprising, prior to said sending the payment request to the server:

14. The cross-platform payment method according to any one of claims 11 to 13, wherein the completing the payment operation according to the receiving platform information specifically comprises:

15. The cross-platform payment method according to claim 14, wherein the sending the payment instruction to the server to enable the server to transfer the target amount into a receiving account corresponding to the target receiving platform information specifically includes:

16. The cross-platform payment method according to any one of claims 11 to 13, wherein the completing the payment operation according to the receiving platform information specifically comprises:

17. The cross-platform payment method of any one of claims 11 to 13, wherein the number of the receiving platform information is n; wherein n is more than or equal to 2;

18. The cross-platform payment method of claim 17, wherein completing the payment operation according to any of the receiving platform information specifically comprises:

19. The cross-platform payment method according to claim 18, wherein the sending the payment instruction to the server to enable the server to transfer the target amount into a receiving account corresponding to the target receiving platform information specifically includes:

20. The cross-platform payment method of claim 17, wherein completing the payment operation according to any of the receiving platform information specifically comprises:

21. A cross-platform payment device, comprising:

the payment request receiving module is used for receiving a payment request of a client; the payment request comprises a two-dimensional code image; the two-dimensional code image is used as a money receiving code image for receiving a payment user;

the two-dimensional code image analysis module is used for acquiring a receiving user identification code according to the two-dimensional code image; after receiving a two-dimensional code image sent by a client, a server analyzes the two-dimensional code image to obtain a receiving user identification code corresponding to the two-dimensional code, wherein the receiving user identification code is used as a unique identity identification code of a receiving payment user;

the receiving platform information obtaining module is used for searching and obtaining receiving platform information corresponding to the receiving user from a preset platform information database according to the receiving user identification code; the receiving platform information is used as a platform address for receiving payment and comprises a WeChat account address, a Paibao account address and/or a bank account address; the platform information database associates the receiving user identification code with each receiving platform information in advance; and the number of the first and second groups,

22. The cross-platform payment device of claim 21, further comprising a payment platform identification code in the payment request;

the receiving platform information obtaining module specifically includes:

23. The cross-platform payment device of claim 21, further comprising receiving a platform identification code in the payment request;

the receiving platform information obtaining module specifically includes:

24. The cross-platform payment device of any one of claims 21 to 23, wherein the payment enforcement module specifically comprises:

25. The cross-platform payment device of claim 24, wherein the payment enforcement module further comprises:

26. The cross-platform payment device of any one of claims 21 to 23, wherein the payment enforcement module specifically comprises:

27. The cross-platform payment device of any one of claims 21 to 23, wherein the number of the receiving platform information is n; wherein n is more than or equal to 2;

the payment execution module specifically includes:

28. The cross-platform payment device of claim 27, wherein the payment execution unit specifically comprises:

29. The cross-platform payment device of claim 28, wherein the payment enforcement unit further comprises:

30. The cross-platform payment device of claim 27, wherein the payment execution unit specifically comprises:

31. A cross-platform payment device, comprising:

the payment request sending module is used for sending a payment request to the server; the payment request comprises a two-dimensional code image; the two-dimensional code image is used as a money receiving code image for receiving a payment user;

the receiving platform information receiving module is used for receiving platform information obtained by the server side searching a preset platform information database according to the receiving user identification code corresponding to the two-dimensional code image; after receiving a two-dimensional code image sent by a client, a server analyzes the two-dimensional code image to obtain a receiving user identification code corresponding to the two-dimensional code, wherein the receiving user identification code is used as a unique identity identification code of a receiving payment user; the receiving platform information is a platform address for receiving payment and comprises a WeChat account address, a Paibao account address and/or a bank account address; the platform information database associates the receiving user identification code with each receiving platform information in advance; and the number of the first and second groups,

32. The cross-platform payment device of claim 31, further comprising:

the receiving platform information receiving module specifically includes:

33. The cross-platform payment device of claim 31, further comprising:

the receiving platform information receiving module specifically includes:

34. The cross-platform payment device of any one of claims 31 to 33, wherein the payment enforcement module specifically comprises:

35. The cross-platform payment device of claim 34, wherein the target amount credit unit specifically comprises:

36. The cross-platform payment device of any one of claims 31 to 33, wherein the payment enforcement module specifically comprises:

37. The cross-platform payment device of any one of claims 31 to 33, wherein the number of the receiving platform information is n; wherein n is more than or equal to 2;

the receiving platform information receiving module specifically includes:

the payment execution module specifically comprises:

38. The cross-platform payment device of claim 37, wherein the payment execution unit specifically comprises:

39. The cross-platform payment device of claim 38, wherein the target amount is credited to the subunit, specifically comprising:

40. The cross-platform payment device of claim 37, wherein the payment execution unit specifically comprises:

41. A cross-platform payment system is characterized by comprising a server and at least one client;

the server side is the cross-platform payment device of any one of claims 21 to 30;

the client is the cross-platform payment device of any one of claims 31 to 40.

42. An apparatus comprising 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 cross-platform payment method of any one of claims 1 to 20.

43. A computer-readable storage medium comprising a stored computer program, wherein the computer program when executed performs a cross-platform payment method as recited in any one of claims 1 to 20.