CN-121998638-A - Payment code generation method, payment device, storage medium and equipment

Abstract

A payment code generation method, a payment method, a device, a storage medium and equipment are disclosed, the method comprises the steps of responding to a temporary payment code generation request of a second terminal, displaying a temporary payment code confirmation page on a first terminal, wherein the generation request comprises identity information and request amount of the second terminal user, receiving confirmation generation information input by the first terminal user with payment code payment capability on the confirmation page, the confirmation generation information comprises the identity information of the second terminal user, the identity information of the first terminal user and payment authorization information for the second terminal user, generating a temporary payment code according to the confirmation generation information, and sending the temporary payment code to the second terminal so that the second terminal can use the temporary payment code, and the temporary payment code comprises a unique identifier and payment authorization information. The application can generate the temporary payment code through the first terminal and send the temporary payment code to the second terminal for use, thereby realizing the convenience of payment.

Inventors

• FENG YUEPAN
• HUANG XUAN

Assignees

• 北京字跳网络技术有限公司

Dates

Publication Date

20260508

Application Date

20241106

Claims (20)

1. 1. A method of generating a payment code, the method comprising: Responding to a temporary payment code generation request of the second terminal, and displaying the temporary payment code confirmation page on the first terminal, wherein the generation request comprises identity information and request amount of the second terminal user; Receiving confirmation generation information input by a first terminal user with payment code payment capability on the confirmation page, wherein the confirmation generation information comprises the identity information of the second terminal user, the identity information of the first terminal user and payment authorization information for the second terminal user; and generating the temporary payment code according to the confirmation generation information, and sending the temporary payment code to the second terminal so that the second terminal can use the temporary payment code, wherein the temporary payment code comprises a unique identifier and the payment authorization information.
2. 2. The payment code generation method of claim 1, wherein said receiving confirmation generation information entered by a first end user having payment code payment capabilities on said confirmation page comprises; Acquiring payment authorization information which is input by the first terminal user based on an authorization information editing interface displayed on the confirmation page and used for the second terminal user, wherein the payment authorization information at least comprises an authorization amount, an authorization valid period and an authorization object for the second terminal user, and the authorization amount is larger than or equal to the request amount; And generating confirmation generation information of the temporary payment code according to the identity information of the second terminal user, the identity information of the first terminal user and the payment authorization information.
3. 3. The payment code generation method of claim 2, wherein the payment authorization information further includes a number of authorized uses and/or a range of authorized use locations.
4. 4. The payment code generation method of claim 1, wherein the generating the temporary payment code from the confirmation generation information and transmitting the temporary payment code to the second terminal comprises: Transmitting the confirmation generation information to a payment server, so that the payment server generates the temporary payment code associated with the second terminal user according to the confirmation generation information, wherein the temporary payment code comprises a unique identifier and the payment authorization information; and acquiring the temporary payment code issued by the payment server and sending the temporary payment code to the second terminal so that the second terminal can use the temporary payment code to carry out payment operation.
5. 5. The payment code generation method of claim 4, wherein the method further comprises: acquiring deduction success information corresponding to deduction processing fed back by the payment server; The payment server obtains a payment request generated by scanning the temporary payment code and sent by a scanning device, wherein the payment request comprises payment request time, to-be-paid amount, the unique identifier corresponding to the temporary payment code and the payment authorization information, and when the payment server judges that the payment request is effective according to the unique identifier and the payment authorization information, the payment server carries out payment processing on a payment account corresponding to the first terminal user according to the to-be-paid amount in the payment request.
6. 6. The payment code generation method of claim 5, further comprising, prior to the obtaining payment success information corresponding to the payment processing fed back by the payment server: Acquiring a deduction verification request sent by the payment server, wherein the deduction verification request is used for deduction verification of the first terminal user; and generating deduction verification information in response to the deduction verification request within a preset period, and sending the deduction verification information to the payment server so that the payment server carries out deduction processing on a payment account corresponding to the first terminal user according to the deduction verification information and the amount to be paid in the payment request.
7. 7. The payment code generation method as recited in any one of claims 1 to 6, wherein the method further comprises: Transmitting a modification request of the first terminal user for the generated temporary payment code to the payment server, so that the payment server updates the temporary payment code according to the modification request when determining that the generated temporary payment code is not used; And acquiring the updated temporary payment code issued by the payment server, and transmitting the new temporary payment code to the second terminal.
8. 8. The payment code generation method as recited in any one of claims 1 to 6, wherein the method further comprises: Transmitting a revocation request of the first terminal user for the generated temporary payment code to the payment server, so that the payment server revokes the temporary payment code according to the revocation request when determining that the generated temporary payment code is not used; and acquiring a revocation notification of the temporary payment code issued by the payment server, and sending the revocation notification to the second terminal.
9. 9. The payment code generation method of claim 1, wherein the second end user is a user without payment code payment capability.
10. 10. A method of payment, the method comprising: acquiring a temporary payment code generation request input by a second terminal user, wherein the generation request comprises identity information and request amount of the second terminal user; The generation request is sent to a first terminal, so that the first terminal responds to the generation request to display the temporary payment code confirmation page on the first terminal, the first terminal receives confirmation generation information input by a first terminal user with payment code payment capability on the confirmation page, and the temporary payment code is generated according to the confirmation generation information, wherein the confirmation generation information comprises the identity information of the second terminal user, the identity information of the first terminal user and payment authorization information for the second terminal user; and acquiring the temporary payment code sent by the first terminal so as to enable the second terminal user to carry out payment operation.
11. 11. The payment method as recited in claim 10, wherein obtaining the temporary payment code generation request entered by the second end user comprises: displaying a request editing interface aiming at the temporary payment code; And acquiring a temporary payment code generation request input by the second terminal user based on the request editing interface, wherein the generation request comprises the identity information and the request amount of the second terminal user.
12. 12. A payment method as recited in claim 10, wherein the method further comprises: Displaying a candidate first end user list on the request editing interface, wherein the candidate first end user list is used for the second end user to select a first end user matched with the temporary payment code from the candidate first end user list; And acquiring a temporary payment code generation request input by the second terminal user based on the request editing interface, wherein the generation request comprises the identity information of the second terminal user, the request amount and the identity information of the first terminal user.
13. 13. A payment method as recited in claim 12, wherein the method further comprises: Generating a list of candidate first end users according to the intimacy degree of the second end user and the candidate first end users, or And generating a candidate first terminal user list according to the interaction frequency of the second terminal user and the candidate first terminal user in the historical period.
14. 14. A payment method as recited in claim 10, wherein the method further comprises: Displaying the temporary payment code to a scanning device, so that the scanning device scans the temporary payment code to generate a payment request, and sending the payment request to the payment server, wherein the payment request comprises a payment request time, an amount to be paid, the unique identifier corresponding to the temporary payment code and the payment authorization information; acquiring deduction success information corresponding to deduction processing fed back by the payment server; And the deduction processing is performed on the payment account corresponding to the first terminal user according to the amount to be paid in the payment request when the payment server judges that the payment request is effective according to the unique identifier and the payment authorization information.
15. 15. A payment method as recited in claim 14, wherein the method further comprises: after the scanning device scans the temporary payment code, receiving failure information of the temporary payment code; Regenerating a new request for the temporary payment code according to the invalidation information; Sending a new generation request of the temporary payment code to the first terminal, so that the first terminal responds to the new generation request to display the temporary payment code confirmation page on the first terminal, and the first terminal receives new confirmation generation information input by a first terminal user with payment code payment capability on the confirmation page and generates a new temporary payment code according to the new confirmation generation information, wherein the new confirmation generation information comprises the identity information of the second terminal user, the identity information of the first terminal user with payment code payment capability and new payment authorization information for the second terminal user; and acquiring the new temporary payment code sent by the first terminal so as to enable the second terminal user to carry out payment operation.
16. 16. A method of generating a payment code, the method comprising: Acquiring confirmation generation information of a temporary payment code sent by a first terminal user with payment code payment capability through the first terminal, wherein the confirmation generation information is generated by the first terminal according to a temporary payment code generation request from a second terminal user, and the confirmation generation information comprises identity information of the second terminal user, identity information of the first terminal user and payment authorization information for the second terminal user; Generating said temporary payment code associated with said second end user based on said confirmation generation information, said temporary payment code comprising a unique identifier and said payment authorization information; and transmitting the temporary payment code to the first terminal so that the first terminal can transmit the temporary payment code to the second terminal, and the second terminal can use the temporary payment code.
17. 17. The payment code generation method of claim 16, wherein the method further comprises; Acquiring a payment request generated by scanning the temporary payment code and sent by scanning equipment, wherein the payment request comprises payment request time, to-be-paid amount, the unique identifier corresponding to the temporary payment code and payment authorization information; when the payment request is judged to be effective according to the unique identifier and the payment authorization information, deducting money from a payment account corresponding to the first terminal user according to the amount to be paid in the payment request; And feeding back the deduction success information corresponding to the deduction processing to the first terminal, the second terminal and the scanning equipment.
18. 18. A payment code generation apparatus, the apparatus comprising: A display unit for responding to a temporary payment code generation request of the second terminal, and displaying the temporary payment code confirmation page on the first terminal, wherein the generation request comprises the identity information of the second terminal user and the request amount; a receiving unit, configured to receive acknowledgement generation information input by a first terminal user with payment code payment capability on the acknowledgement page, where the acknowledgement generation information includes identity information of the second terminal user, identity information of the first terminal user, and payment authorization information for use by the second terminal user; And the processing unit is used for generating the temporary payment code according to the confirmation generation information and sending the temporary payment code to the second terminal so that the second terminal can use the temporary payment code, wherein the temporary payment code comprises a unique identifier and the payment authorization information.
19. 19. A payment device, the device comprising: A first obtaining unit, configured to obtain a temporary payment code generation request input by a second terminal user, where the generation request includes identity information and a request amount of the second terminal user; A transmitting unit configured to transmit the generation request to a first terminal, so that the first terminal displays the temporary payment code confirmation page on the first terminal in response to the generation request, and so that the first terminal receives confirmation generation information input by a first terminal user with payment code payment capability on the confirmation page, and generates the temporary payment code according to the confirmation generation information, where the confirmation generation information includes identity information of the second terminal user, identity information of the first terminal user, and payment authorization information for use by the second terminal user; and the second acquisition unit is used for acquiring the temporary payment code sent by the first terminal so as to enable the second terminal user to carry out payment operation.
20. 20. A payment code generation apparatus, the apparatus comprising: A third acquisition unit configured to acquire acknowledgement generation information of a temporary payment code transmitted by a first terminal user having a payment code payment capability through the first terminal, where the acknowledgement generation information is generated by the first terminal according to a generation request from a second terminal user, and the acknowledgement generation information includes identity information of the second terminal user, identity information of the first terminal user, and payment authorization information for use by the second terminal user; A generation unit configured to generate the temporary payment code associated with the second terminal user according to the confirmation generation information, the temporary payment code including a unique identifier and the payment authorization information; And the issuing unit is used for issuing the temporary payment code to the first terminal so that the first terminal can send the temporary payment code to the second terminal, and the second terminal can use the temporary payment code.

Description

Payment code generation method, payment device, storage medium and equipment Technical Field The application relates to the technical field of mobile payment, in particular to a payment code generation method, a payment device, a storage medium and equipment. Background With the popularization of mobile payment technology, payment code payment has become a common payment method in daily life. The user can generate a personal payment code through the mobile phone application for the merchant to scan to complete payment, or use the mobile phone to scan the merchant's payment code to complete payment. However, in some cases, the user may not be able to generate or display his or her own payment code for various reasons (e.g., account limitations, application failures, etc.), and difficulties may be encountered if an urgent payment is to be made. Conventional solutions may include the use of cash, bank cards, or other payment methods, but these methods are either inconvenient or rely on additional equipment or services. Therefore, a new solution is needed that can quickly and safely solve the problem of inability to generate payment codes without increasing the burden on the user. Disclosure of Invention The embodiment of the application provides a payment code generation method, a payment device, a storage medium and equipment, which can generate a temporary payment code through a first terminal user with payment code payment capability and send the temporary payment code to a second terminal user for use, thereby realizing the convenience of payment. In one aspect, an embodiment of the application provides a payment code generation method, which comprises the steps of responding to a temporary payment code generation request of a second terminal, displaying a temporary payment code confirmation page on a first terminal, wherein the generation request comprises identity information and request amount of the second terminal user, receiving confirmation generation information which is input by the first terminal user with payment code payment capability on the confirmation page, wherein the confirmation generation information comprises the identity information of the second terminal user, the identity information of the first terminal user and payment authorization information for the second terminal user, generating the temporary payment code according to the confirmation generation information, and sending the temporary payment code to the second terminal so that the second terminal can use the temporary payment code, and the temporary payment code comprises a unique identifier and the payment authorization information. On the other hand, the embodiment of the application provides a payment method, which comprises the steps of obtaining a temporary payment code generation request input by a second terminal user, sending the generation request to a first terminal, enabling the first terminal to respond to the generation request, displaying a temporary payment code confirmation page on the first terminal, enabling the first terminal to receive confirmation generation information input by the first terminal user with payment code payment capability on the confirmation page, and generating the temporary payment code according to the confirmation generation information, wherein the confirmation generation information comprises the identity information of the second terminal user, the identity information of the first terminal user and payment authorization information for the second terminal user, the temporary payment code comprises a unique identifier and the payment authorization information, and obtaining the temporary payment code sent by the first terminal for the second terminal user to carry out payment operation. In another aspect, an embodiment of the present application provides a payment code generation method, including obtaining acknowledgement generation information of a temporary payment code sent by a first terminal with payment code payment capability, where the acknowledgement generation information is generated by the first terminal according to a temporary payment code generation request from a second terminal, the acknowledgement generation information includes identity information of the second terminal, identity information of the first terminal, and payment authorization information for use by the second terminal, the generation request includes the identity information of the second terminal and a request amount, generating the temporary payment code associated with the second terminal according to the acknowledgement generation information, where the temporary payment code includes a unique identifier and the payment authorization information, and issuing the temporary payment code to the first terminal, so that the first terminal sends the temporary payment code to the second terminal to enable the second terminal to use the temporary payment code. In another aspect, an embodiment of the