CN-121981716-A - Payment system, method and device, storage medium and electronic equipment

Abstract

The embodiment of the specification discloses a payment method, after non-acceptance management equipment and a user terminal carry out non-contact communication, an electronic ticket using request can be sent to a marketing platform while payment identification is acquired, the marketing platform selects a target electronic ticket for a user and returns a corresponding ticket identification, the non-acceptance management equipment initiates collection to a payment server according to the amount to be paid, the payment identification and the ticket identification, the payment server re-determines the actual payment amount corresponding to the amount to be paid according to the ticket identification, and carries out settlement payment according to the payment identification and the actual payment amount, and then the target electronic ticket is verified. According to the method, a user does not need to get the electronic ticket in advance, and can directly realize settlement payment by using the electronic ticket to enjoy the preferential price through only one-time non-contact communication, so that the convenience of using the electronic ticket is effectively improved, and the use rate of the electronic ticket is also improved.

Inventors

• Cong Yundan
• XU XIN
• CHEN XUDONG
• ZENG WENMING
• ZHU YANAN
• Zhu Jingtou

Assignees

• 支付宝(杭州)数字服务技术有限公司

Dates

Publication Date

20260505

Application Date

20260403

Claims (20)

1. 1. The payment system comprises a user terminal, non-acceptance management equipment, a marketing platform and a payment server, wherein: The user terminal is used for carrying out non-contact communication with the non-acceptance management device; the non-acceptance management device is used for acquiring the amount to be paid, responding to non-contact communication with the user terminal, acquiring a payment identifier corresponding to the user terminal, and sending an electronic ticket use request to the marketing platform; the marketing platform responds to the electronic ticket using request, selects a target electronic ticket from electronic tickets distributed to merchants where the non-accepting management equipment is located in advance, and returns the ticket identification of the target electronic ticket to the non-accepting management equipment; The non-acceptance management device is further configured to send a payment request to the payment server according to the amount to be paid, the payment identifier and the ticket identifier; The payment server responds to the collection request, determines a settlement rule corresponding to the target electronic ticket in the marketing platform according to the ticket identification carried in the collection request, determines an actual payment amount according to the settlement rule and the amount to be paid, performs settlement payment according to the payment identification and the actual payment amount, and performs verification and verification on the target electronic ticket.
2. 2. The system of claim 1, wherein the marketing platform is further configured to pre-determine a total amount of offers, input a historical transaction record of each merchant and the total amount of offers into a pre-trained amount distribution model, to determine an amount of offers corresponding to each merchant in the total amount of offers via the amount distribution model, generate, for each merchant, an electronic coupon for the merchant according to the amount of offers corresponding to the merchant as an electronic coupon allocated to the merchant, wherein a sum of the amounts of offers corresponding to all electronic coupons generated for the merchant is not greater than the amount of offers corresponding to the merchant.
3. 3. The system of claim 2, wherein the marketing platform is specifically configured to, for each merchant, input a historical transaction record of the merchant, a preference amount corresponding to the merchant, and preset electronic ticket types into a pre-trained electronic ticket generation model, so as to generate, for the merchant, an electronic ticket corresponding to at least one electronic ticket type through the electronic ticket generation model.
4. 4. The system of claim 1, wherein the corresponding amount of coupons pre-allocated to merchants where the non-receiving management device is located is allocated from a preset total amount of coupons; The marketing platform is also used for determining the sum of the corresponding coupon values of all the electronic coupons which are distributed with the coupon values from the coupon total values and are currently approved as the approved total values, determining the current approved progress according to the coupon total values and the approved total values, and/or determining the total number of the electronic coupons of the electronic coupon type which are distributed with the coupon values from the coupon total values according to each preset electronic coupon type, determining the number of the electronic coupons of the electronic coupon type which are approved as the total number of the electronic coupon type, determining the total number of the electronic coupons which are approved as the approved total number of the electronic coupon type, and determining the approved progress according to the total number of the electronic coupons and the approved total number of the electronic coupon type, and sending the approved progress to the user terminal; the user terminal is also used for receiving and displaying the verification and marketing progress.
5. 5. The system of claim 2, wherein the marketing platform is specifically configured to obtain merchant identifications of access merchants corresponding to the preference amounts stored in a preconfigured access list, obtain historical transaction records of each access merchant according to the merchant identifications of each access merchant, and input the historical transaction records of each access merchant and the preference amounts into a pre-trained credit allocation model; The marketing platform is also used for at least acquiring geographic position information corresponding to each admitted merchant according to the merchant identification of each admitted merchant and sending the merchant identification and the geographic position information of each admitted merchant to the user terminal; the user terminal is also used for receiving and displaying merchant identifications and geographic position information of all admitted merchants.
6. 6. The system of claim 1 or 2, the non-receptive management device having a display screen; the marketing platform is further used for sending the electronic ticket information of the electronic ticket corresponding to at least one electronic ticket type allocated for each merchant to non-acceptance management equipment deployed at the merchant after the electronic ticket is allocated for the merchant; the non-acceptance management device is also used for receiving and displaying the electronic ticket information sent by the marketing platform.
7. 7. The system of claim 1, wherein the payment server is specifically configured to input at least one of geographic location information reported by the non-acceptable management device, a device identifier corresponding to the non-acceptable management device, and a user history behavior corresponding to the payment identifier into a pre-trained wind control model, so as to determine, through the wind control model, whether the behavior of settling payment using the target electronic ticket is legal or not, if yes, settling payment is performed according to the payment identifier and the actual payment amount, and verifying and selling the target electronic ticket.
8. 8. A payment method, the method being applied to a non-acceptance management device, the method comprising: obtaining an amount to be paid; responding to non-contact communication with a user terminal, acquiring a payment identifier corresponding to the user terminal, and sending an electronic ticket use request to a marketing platform, wherein the electronic ticket use request is used for enabling the marketing platform to select a target electronic ticket from electronic tickets distributed in advance for merchants where non-acceptance management equipment is located; receiving a ticket identifier of the target electronic ticket returned by the marketing platform; And sending a collection request to a payment server according to the amount to be paid, the payment identifier and the ticket identifier, so that the payment server determines a settlement rule corresponding to the target electronic ticket in the marketing platform according to the ticket identifier carried in the collection request, determines an actual payment amount according to the settlement rule and the amount to be paid, performs settlement payment according to the payment identifier and the actual payment amount, and verifies and pays the target electronic ticket.
9. 9. The method of claim 8, the non-receptive management device having a display screen; The method further comprises the steps of: receiving electronic ticket information of an electronic ticket corresponding to at least one electronic ticket type distributed to a merchant and sent by the marketing platform; and displaying the electronic ticket information.
10. 10. A payment method, the method applied to a marketing platform, the method comprising: receiving an electronic ticket use request sent by a non-acceptance processing device deployed at a merchant in response to non-contact communication with a user terminal; selecting a target electronic ticket among electronic tickets allocated in advance to the merchant in response to the electronic ticket use request; and returning the ticket identifier of the target electronic ticket to the non-acceptance management equipment, so that the non-acceptance management equipment sends a collection request to the payment server according to the amount to be paid, the payment identifier and the ticket identifier, so that the payment server determines a settlement rule corresponding to the target electronic ticket in the marketing platform according to the ticket identifier carried in the collection request, determines an actual payment amount according to the settlement rule and the amount to be paid, performs settlement payment according to the payment identifier and the actual payment amount, and performs verification and marketing on the target electronic ticket.
11. 11. The method of claim 10, further comprising, prior to selecting the target coupon among coupons pre-assigned to the merchant: Pre-determining a preferential total; Inputting the historical transaction records of all merchants and the preferential total amount into a pre-trained amount distribution model so as to determine preferential amount corresponding to each merchant in the preferential total amount through the amount distribution model; and generating an electronic ticket for each merchant according to the corresponding preferential amount of the merchant as the electronic ticket distributed for the merchant, wherein the sum of the preferential amounts of all the electronic tickets generated for the merchant is not more than the preferential amount of the merchant.
12. 12. The method of claim 11, generating an electronic coupon for the merchant, comprising: and inputting the historical transaction record of the merchant, the preferential amount corresponding to the merchant and preset electronic ticket types into a pre-trained electronic ticket generation model so as to generate at least one electronic ticket corresponding to the electronic ticket type for the merchant through the electronic ticket generation model.
13. 13. The method of claim 11, the method further comprising: Determining the total number of the electronic coupons of the electronic coupon type with the coupon amount distributed from the coupon total amount, determining the number of the electronic coupons of the electronic coupon type with the current revoked electronic coupon as the revoked total amount, determining the current revoked progress according to the coupon total amount and the revoked total amount, and/or determining the total number of the electronic coupons of the electronic coupon type with the coupon amount distributed from the coupon total amount as the total number of the electronic coupons of the electronic coupon type, determining the number of the electronic coupons of the electronic coupon type with the current revoked electronic coupon type as the total number of the revoked electronic coupon type, and determining the revoked progress respectively corresponding to each electronic coupon type according to the total number of the electronic coupons respectively corresponding to each electronic coupon type and the total number of the revoked electronic coupon respectively; And sending the verification progress to the user terminal, so that the user terminal receives and displays the verification progress.
14. 14. The method of claim 11, inputting the historical transaction records and the coupon totals for each merchant into a pre-trained credit allocation model, comprising: Acquiring a merchant identifier of an admitting merchant corresponding to the preferential sum stored in a preconfigured admittance list; Acquiring historical transaction records of all access merchants according to merchant identifications of all access merchants; Inputting the historical transaction records of all admittance merchants and the preferential total amount into a pre-trained credit allocation model; The method further comprises the steps of: and according to the merchant identification of each admitted merchant, at least acquiring geographic position information corresponding to each admitted merchant, and transmitting the merchant identification and the geographic position information of each admitted merchant to the user terminal, so that the user terminal receives and displays the merchant identification and the geographic position information of each admitted merchant.
15. 15. The method of claim 11, the method further comprising: and after each merchant allocates the electronic ticket for the merchant, sending the electronic ticket information of the electronic ticket corresponding to at least one electronic ticket type allocated for the merchant to non-acceptance management equipment deployed at the merchant, so that the non-acceptance management equipment deployed at the merchant receives and displays the electronic ticket information sent by the marketing platform.
16. 16. A payment method, the method being applied to a payment server, the method comprising: The method comprises the steps of receiving a collection request sent by non-acceptance management equipment, wherein the collection request is sent by the non-acceptance management equipment after the non-acceptance management equipment responds to an electronic ticket using request in the marketing platform, selecting a target electronic ticket from electronic tickets distributed in advance for merchants where the non-acceptance management equipment is located, and returning a ticket identification of the target electronic ticket to the non-acceptance management equipment; Determining a settlement rule corresponding to the target electronic ticket in the marketing platform according to the ticket identifier carried in the collection request; determining an actual payment amount according to the settlement rules and the amount to be paid; And carrying out settlement payment according to the payment identification and the actual payment amount, and verifying and selling the target electronic ticket.
17. 17. The method of claim 16, wherein the settlement payment is made according to the payment identifier and the actual payment amount, and the target electronic ticket is verified, specifically comprising: Inputting at least one of geographic position information reported by the non-acceptance management equipment, equipment identification corresponding to the non-acceptance management equipment and user history behavior corresponding to the payment identification into a pre-trained wind control model so as to judge whether the behavior of using the target electronic ticket to settle accounts and pay is legal or not through the wind control model; If yes, settlement payment is carried out according to the payment identification and the actual payment amount, and verification is carried out on the target electronic ticket.
18. 18. A payment apparatus for application to a non-acceptance management device, the apparatus comprising: The acquisition module is used for acquiring the amount to be paid; The communication module is used for responding to non-contact communication with the user terminal, acquiring a payment identifier corresponding to the user terminal, and sending an electronic ticket use request to a marketing platform, wherein the electronic ticket use request is used for enabling the marketing platform to select a target electronic ticket from electronic tickets distributed to merchants where the non-acceptance management equipment is located in advance; the receiving module is used for receiving the ticket identification of the target electronic ticket returned by the marketing platform; The payment initiation module is used for sending a payment request to a payment server according to the amount to be paid, the payment identifier and the ticket identifier, so that the payment server determines a settlement rule corresponding to the target electronic ticket in the marketing platform according to the ticket identifier carried in the payment request, determines an actual payment amount according to the settlement rule and the amount to be paid, performs settlement payment according to the payment identifier and the actual payment amount, and performs verification and sale on the target electronic ticket.
19. 19. A payment device, the device being applied to a marketing platform, the device comprising: A receiving module for receiving an electronic ticket use request transmitted by a non-acceptance processing device deployed at a merchant in response to non-contact communication with a user terminal; the selecting module is used for responding to the electronic ticket using request and selecting a target electronic ticket from electronic tickets distributed to the merchant in advance; And the sending module is used for returning the ticket identifier of the target electronic ticket to the non-acceptance management equipment, so that the non-acceptance management equipment sends a collection request to the payment server according to the amount to be paid, the payment identifier and the ticket identifier, so that the payment server determines a settlement rule corresponding to the target electronic ticket in the marketing platform according to the ticket identifier carried in the collection request, determines an actual payment amount according to the settlement rule and the amount to be paid, performs settlement payment according to the payment identifier and the actual payment amount, and performs verification on the target electronic ticket.
20. 20. A payment device for application to a payment server, the device comprising: The system comprises a receiving module, a receiving module and a marketing platform, wherein the receiving module is used for receiving a collection request sent by non-acceptance management equipment, wherein the collection request is sent by the non-acceptance management equipment after the non-acceptance management equipment responds to an electronic ticket use request in the marketing platform, a target electronic ticket is selected from electronic tickets distributed in advance for merchants where the non-acceptance management equipment is located, and a ticket identification of the target electronic ticket is returned to the non-acceptance management equipment, and the electronic ticket use request is sent after the non-acceptance management equipment acquires an amount to be paid, responds to non-contact communication with the user terminal, acquires a payment identification corresponding to the user terminal and sends the electronic ticket use request to the marketing platform; The rule determining module is used for determining a settlement rule corresponding to the target electronic ticket in the marketing platform according to the ticket identifier carried in the collection request; the amount determining module is used for determining the actual payment amount according to the settlement rules and the amount to be paid; and the payment verification module is used for carrying out settlement payment according to the payment identification and the actual payment amount and verifying the target electronic ticket.

Description

Payment system, method and device, storage medium and electronic equipment Technical Field The present disclosure relates to the field of computer technologies, and in particular, to a payment system, a payment method, a payment device, a storage medium, and an electronic device. Background The electronic ticket is a common marketing form at present, and for users who are used to online shopping and electronic payment, the users can enjoy corresponding preferential effects only by using the electronic ticket through the appointed application on the user terminal, so that the electronic ticket is more convenient and environment-friendly compared with the traditional paper electronic ticket, and also accords with the habit of the current user. Generally, an e-commerce platform or a payment platform (hereinafter, both will be collectively referred to as a payment platform) and a merchant who collects money through the payment platform are independent from each other, and thus, the amount of benefit that can be provided by an e-ticket is not directly provided by the merchant but is provided by the payment platform or a third party in many cases. For example, to stimulate consumption, the official provides funds, marketing costs are provided for a plurality of merchants, the paymate can then implement the marketing campaign by generating an electronic ticket for the merchants, assuming a bottle of beverage is 5 yuan, the electronic ticket is a full five minus one type of electronic ticket, the user can purchase the beverage using the electronic ticket only taking 4 yuan, and the preferential 1 yuan comes from the official provided funds, that is, at the time of collection, the paymate transfers the 4 yuan in the user's account and the 1 yuan in the official provided funds into the merchant's account. However, in the prior art, a user generally needs to first pick up an electronic ticket through his user terminal and then use the electronic ticket at the time of payment, which not only reduces the convenience of using the electronic ticket, but also does not have a high actual usage rate of the picked-up electronic ticket, i.e., there are many electronic tickets that are picked up but not used. This not only wastes marketing funds provided by the authorities, but also can promote the generation of many illegitimate users who conduct illegal actions using the electronic coupons that are retrieved. Therefore, how to improve the convenience of using the electronic ticket and the utilization rate of the electronic ticket is a problem to be solved urgently. Disclosure of Invention Embodiments of the present disclosure provide a payment system, a payment method, a payment device, a storage medium, and an electronic device, so as to partially solve the foregoing problems of the prior art. The embodiment of the specification adopts the following technical scheme: The payment system provided by the specification comprises a user terminal, non-acceptance management equipment, a marketing platform and a payment server, wherein: The user terminal is used for carrying out non-contact communication with the non-acceptance management device; the non-acceptance management device is used for acquiring the amount to be paid, responding to non-contact communication with the user terminal, acquiring a payment identifier corresponding to the user terminal, and sending an electronic ticket use request to the marketing platform; the marketing platform responds to the electronic ticket using request, selects a target electronic ticket from electronic tickets distributed to merchants where the non-accepting management equipment is located in advance, and returns the ticket identification of the target electronic ticket to the non-accepting management equipment; The non-acceptance management device is further configured to send a payment request to the payment server according to the amount to be paid, the payment identifier and the ticket identifier; The payment server responds to the collection request, determines a settlement rule corresponding to the target electronic ticket in the marketing platform according to the ticket identification carried in the collection request, determines an actual payment amount according to the settlement rule and the amount to be paid, performs settlement payment according to the payment identification and the actual payment amount, and performs verification and verification on the target electronic ticket. A payment method provided in the present specification, the method being applied to a non-acceptance management device, the method comprising: obtaining an amount to be paid; responding to non-contact communication with a user terminal, acquiring a payment identifier corresponding to the user terminal, and sending an electronic ticket use request to a marketing platform, wherein the electronic ticket use request is used for enabling the marketing platform to select a target electronic ticket from ele