CN104766208A - Mobile payment method and device - Google Patents
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- CN104766208A CN104766208A CN201510187586.1A CN201510187586A CN104766208A CN 104766208 A CN104766208 A CN 104766208A CN 201510187586 A CN201510187586 A CN 201510187586A CN 104766208 A CN104766208 A CN 104766208A
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Abstract
The invention provides a mobile payment method and device. The method comprises the steps of acquiring the position information of users who are going to pay, and grouping the users according to the position information; acquiring the information of relations between the users in each group; selecting the related users according to the relation information, and determining the related users as users participating in mobile payment so that the user can conduct mobile payment conveniently. By the adoption of the device, mobile payment effect can be improved.
Description
Technical field
The present invention relates to mobile communication technology field, particularly relate to a kind of method of mobile payment and mobile payment device.
Background technology
Mobile payment is constantly popularized, and along with person to person's contacts are frequent all the more, all can run into the situation needing AA to pay the bill in various occasion.When AA pays the bill, prior art one is that user the same area being entered simultaneously payment status is defined as user to be paid, and prior art two first sets up customer group, and the user in same customer group just can carry out AA payment.
But prior art one easily causes concurrency conflict, in addition, prior art two needs first mutually to be added to same customer group, troublesome poeration, makes the mobile payment effect of prior art not ideal enough.
Summary of the invention
The present invention is intended to solve one of technical matters in correlation technique at least to a certain extent.
For this reason, one object of the present invention is to propose a kind of method of mobile payment, and the method can improve the effect of mobile payment.
Another object of the present invention is to propose a kind of mobile payment device.
For achieving the above object, the method for mobile payment that first aspect present invention embodiment proposes, comprising: the positional information obtaining obligation user, and according to described positional information, divides into groups to described obligation user; Obtain the relation information between user in grouping; According to described relation information, select the user that there is incidence relation, and the described user that there is incidence relation is defined as the user participating in mobile payment, so that the user of described participation mobile payment carries out mobile payment.
The method of mobile payment that first aspect present invention embodiment proposes, by obtaining the relation information between user, and the user that there is incidence relation is selected according to relation information, the concurrency conflict that in the same area, non-participating user causes can be avoided, thus improve mobile payment effect.
For achieving the above object, the mobile payment device that second aspect present invention embodiment proposes, comprising: grouping module, for obtaining the positional information of obligation user, and according to described positional information, dividing into groups to described obligation user; Acquisition module, for obtaining the relation information in grouping between user; Select module, for according to described relation information, select the user that there is incidence relation, and the described user that there is incidence relation is defined as the user participating in mobile payment, so that the user of described participation mobile payment carries out mobile payment.
The mobile payment device that second aspect present invention embodiment proposes, by obtaining the relation information between user, and the user that there is incidence relation is selected according to relation information, the concurrency conflict that in the same area, non-participating user causes can be avoided, thus improve mobile payment effect.
The aspect that the present invention adds and advantage will part provide in the following description, and part will become obvious from the following description, or be recognized by practice of the present invention.
Accompanying drawing explanation
The present invention above-mentioned and/or additional aspect and advantage will become obvious and easy understand from the following description of the accompanying drawings of embodiments, wherein:
Fig. 1 is the schematic flow sheet of the method for mobile payment that one embodiment of the invention proposes;
Fig. 2 is the execution schematic flow sheet of beneficiary in the embodiment of the present invention;
Fig. 3 is the schematic diagram at interface of collecting money in the embodiment of the present invention;
Fig. 4 is the execution schematic flow sheet of paying party in the embodiment of the present invention;
Fig. 5 is the schematic diagram of payment instruction in the embodiment of the present invention;
Fig. 6 is the schematic diagram of the page of paying the bill in the embodiment of the present invention;
Fig. 7 is the structural representation of the mobile payment device that another embodiment of the present invention proposes;
Fig. 8 is the structural representation of the mobile payment device that another embodiment of the present invention proposes.
Embodiment
Be described below in detail embodiments of the invention, the example of described embodiment is shown in the drawings, and wherein same or similar label represents same or similar module or has module that is identical or similar functions from start to finish.Being exemplary below by the embodiment be described with reference to the drawings, only for explaining the present invention, and can not limitation of the present invention being interpreted as.On the contrary, embodiments of the invention comprise fall into attached claims spirit and intension within the scope of all changes, amendment and equivalent.
Fig. 1 is the schematic flow sheet of the method for mobile payment that one embodiment of the invention proposes, and the method comprises:
S11: the positional information obtaining obligation user, and according to described positional information, described obligation user is divided into groups.
Wherein, for AA payment, user can install the application program for paying the bill on the mobile terminal of oneself, and this application program can be called payment facility, and this payment facility comprises AA payment function.
The executive agent of the present embodiment is the server that payment facility is corresponding, and obligation user is after startup payment facility, and server can obtain the positional information of the user starting payment facility.Be understandable that, in order to ensure the smooth execution of the application, when user uses or first at least before current use payment facility, need the mobile terminal of user to have the ability of positional information of acquisition and report of user, and need subscriber authorisation server can the positional information of automatic acquisition user after user starts payment facility.
After user starts payment facility, server can obtain the positional information of the user starting payment facility, can divide into groups afterwards according to positional information to user.Concrete, the user in preset range can be attributed to one group.
Such as, 5 people together have dinner, and this 5 people can represent with A, B, C, D, E respectively, can be familiar with not exclusively between two between A, B, C, D, E meanwhile.After having had dinner, relate to AA payment.
Now, server can first divide into groups to user, such as, A, B, C, D, E five people all open payment facility, simultaneously near same position F, G, H tri-people also opens payment facility.Now, A, B, C, D, E, F, G, H eight people all can be incorporated into into one group.
In prior art, all obligation users need to enter gathering interface, and in the present embodiment, payment user can not enter gathering interface, only needs to start payment facility.
S12: obtain the relation information between user in grouping.
Wherein, can according to the address list of user in grouping, or social informations etc. obtain the relation information between user.
Suppose to obtain following relation information according to address list: A has the phone of B, and B has the phone of C, and D has the phone of A, and C has the phone of E, and E has the phone of B, and F has the phone of G and H.
S13: according to described relation information, selects the user that there is incidence relation, and the described user that there is incidence relation is defined as the user participating in mobile payment, so that the user of described participation mobile payment carries out mobile payment.
Such as, following pass pedigree can be built according to relation information as above: A->B, B->C, D->A, C->E, E->B, therefore, A, B, C, D, E are the users that there is incidence relation, and F->G->H, F, G, H is the user that there is incidence relation, but and A, B, C, D, E do not contact.Draw A, B, C, D, E are users paying the participation mobile payment in group at this point, and F, G, H are that another pays the user of the participation mobile payment in group.
In prior art, determine according to the mode entering AA payment status in the same area simultaneously the user participating in mobile payment, but incoherent user also may be confirmed as the user needing AA together to pay.And in the present embodiment, by obtaining relation information and screening according to relation information, can concurrency conflict be avoided.
After determining the user participating in mobile payment, AA payment can be carried out by the user participating in mobile payment.Wherein, the user initiating AA payment can be called gathering user.Such as, A, B, C, D, E carry out AA payment.
See Fig. 2, the mobile terminal of gathering user can perform following flow process:
S21: the information obtaining the user participating in mobile payment, and be illustrated on gathering interface.
The determination mode participating in the user of mobile payment see a upper embodiment, can not repeat them here.
The information participating in the user of mobile payment can be the cell-phone number of user, the social account etc. of user.The present embodiment is for cell-phone number.
User is when needs are collected money in gathering, first can enter gathering interface in payment facility.See Fig. 3, the cell-phone number of the user of each participation mobile payment can be comprised in gathering interface, be understandable that, can not cell-phone number be shown for gathering user self, and represent with " I ".
Such as, when A, B, C, D, E carry out AA payment, suppose that A is gathering user, then A can enter gathering interface, and shows B, the information of C, D, E on gathering interface, and the information of A self.
S22: receive the payment information that gathering user fills on described gathering interface, and after payment information has been filled in, receive the instruction that described gathering user initiates to collect money.
Payment information such as comprises: the total value of this consumption, and the user of each participation mobile payment needs the amount of money etc. paid.
Such as, see Fig. 3, payment information can comprise first area 31, second area 32 and the 3rd region 33.Wherein, first area 31 is for filling in the total value of this consumption, second area 32 is for filling in remark information, so that prompting participates in the payment user that AA pays, 3rd region 33 is for showing the cell-phone number (or account etc.) of the user participating in mobile payment, and the payables (being defaulted as scoring) for filling in each user.In addition, for the user not participating in this AA payment, can select to remove corresponding user profile.
After gathering user fills in payment information, " gathering " button as shown in Figure 3 can be clicked, thus produce the instruction initiating gathering.
Such as, after A fills in, " gathering " button can be clicked, trigger gathering.
S23: after the instruction receiving described initiation gathering, send gathering instruction to server.
After gathering user clicks " gathering " button, the mobile terminal of gathering user can send gathering instruction to server, can comprise the information of the user participating in mobile payment in gathering instruction.
After server receives gathering instruction, according to the information of the user of participation mobile payment, payment instruction can be sent to corresponding user.The user receiving payment instruction can be called payment user.Be understandable that, when the user self that collects money also needs to pay, gathering user self also belongs to payment user.
In prior art, need first to set up same customer group, and the present embodiment can not need first to set up customer group, directly sends payment instruction according to user profile to corresponding user, thus reduce operation complexity.
Accordingly, see Fig. 4, the flow process that payment user performs can comprise:
S41: receive payment instruction.
Payment instruction can be the form of notification message in note form or payment facility.
For note form, see Fig. 5, payment user can receive note 51, can comprise the link information of the payment page in note.
Such as, B is a payment user, then B can receive note as shown in Figure 5.
S42: enter the payment page according to described payment instruction, and mobile payment is completed in the described payment page.
Such as, payment user can click the link information in note, after clickthrough information, can enter the payment page that link information is corresponding.
See Fig. 6, can comprise payment information 61 in the payment page, after payment user determines that payment information is errorless, " confirming to pay " button can clicked in the payment page carries out mobile payment.Be understandable that, can also X button or return push-button etc. be comprised in the payment page, when payment user does not confirm, X button or return push-button can be clicked, do not pay.
Be understandable that, the above-mentioned flow process of the present embodiment can realize as stand-alone utility, or is embedded in other application programs, such as, embed in the application program such as map or wallet.
In the present embodiment, by obtaining the relation information between user, and selecting the user that there is incidence relation according to relation information, the concurrency conflict that in the same area, non-participating user causes can be avoided.In addition, the present embodiment by obtaining the information of the user participating in mobile payment, and sends payment instruction directly to the user participating in mobile payment, the user participating in mobile payment can not be needed to set up same customer group in advance, reduce operation complexity.
Fig. 7 is the structural representation of the mobile payment device that another embodiment of the present invention proposes, and this device can be server or a module as server, and this device 70 comprises grouping module 71, acquisition module 72 and selection module 73.
Grouping module 71, for obtaining the positional information of obligation user, and according to described positional information, divides into groups to described obligation user;
Optionally, described grouping module 71, for obtaining the positional information of obligation user, comprising:
When after the application program that obligation user starts for paying the bill, obtain the positional information of corresponding obligation user.
Wherein, for AA payment, user can install the application program for paying the bill on the mobile terminal of oneself, and this application program can be called payment facility, and this payment facility comprises AA payment function.
The executive agent of the present embodiment is the mobile payment device that payment facility is corresponding, and obligation user is after startup payment facility, and mobile payment device can obtain the positional information of the user starting payment facility.Be understandable that, in order to ensure the smooth execution of the application, when user uses or first at least before current use payment facility, need the mobile terminal of user to have the ability of positional information of acquisition and report of user, and need subscriber authorisation mobile payment device can the positional information of automatic acquisition user after user starts payment facility.
After user starts payment facility, mobile payment device can obtain the positional information of the user starting payment facility, can divide into groups afterwards according to positional information to user.Concrete, the user in preset range can be attributed to one group.
Such as, 5 people together have dinner, and this 5 people can represent with A, B, C, D, E respectively, can be familiar with not exclusively between two between A, B, C, D, E meanwhile.After having had dinner, relate to AA payment.
Now, mobile payment device can first divide into groups to user, such as, A, B, C, D, E five people all open payment facility, simultaneously near same position F, G, H tri-people also opens payment facility.Now, A, B, C, D, E, F, G, H eight people all can be incorporated into into one group.
In prior art, all obligation users need to enter gathering interface, and in the present embodiment, payment user can not enter gathering interface, only needs to start payment facility.
Acquisition module 72, for obtaining the relation information in grouping between user;
Optionally, described acquisition module 72, for obtaining the relation information in grouping between user, comprising:
According to the address list of user in described grouping, or social information, obtains described relation information.
Suppose to obtain following relation information according to address list: A has the phone of B, and B has the phone of C, and D has the phone of A, and C has the phone of E, and E has the phone of B, and F has the phone of G and H.
Select module 73, for according to described relation information, select the user that there is incidence relation, and the described user that there is incidence relation is defined as the user participating in mobile payment, so that the user of described participation mobile payment carries out mobile payment.
Such as, following pass pedigree can be built according to relation information as above: A->B, B->C, D->A, C->E, E->B, therefore, A, B, C, D, E are the users that there is incidence relation, and F->G->H, F, G, H is the user that there is incidence relation, but and A, B, C, D, E do not contact.Draw A, B, C, D, E are users paying the participation mobile payment in group at this point, and F, G, H are that another pays the user of the participation mobile payment in group.
In prior art, determine according to the mode entering AA payment status in the same area simultaneously the user participating in mobile payment, but incoherent user also may be confirmed as the user needing AA together to pay.And in the present embodiment, by obtaining relation information and screening according to relation information, can concurrency conflict be reduced.
Optionally, see Fig. 8, this device 70 also comprises:
First sending module 74, the information for the user by described participation mobile payment sends to the mobile terminal of payment user, and to be illustrated on gathering interface, payment information is filled in for the user that collects money in described gathering interface.
The information participating in the user of mobile payment can be the cell-phone number of user, the social account etc. of user.The present embodiment is for cell-phone number.
User is when needs are collected money in gathering, first can enter gathering interface in payment facility.See Fig. 3, the cell-phone number of the user of each participation mobile payment can be comprised in gathering interface, be understandable that, can not cell-phone number be shown for gathering user self, and represent with " I ".
After showing gathering interface to gathering user, gathering user can fill in payment information on gathering interface, and after payment information has been filled in, receives the instruction that described gathering user initiates to collect money.
Payment information such as comprises: the total value of this consumption, and the user of each participation mobile payment needs the amount of money etc. paid.
Such as, see Fig. 3, payment information can comprise a-quadrant, B region and C region.Wherein, a-quadrant is for filling in the total value of this consumption, for filling in remark information in B region, so that prompting participates in the payment user that AA pays, C region is for showing the cell-phone number (or account etc.) of the user participating in mobile payment, and the payables (being defaulted as scoring) for filling in each user.In addition, for the user not participating in this AA payment, can select to remove corresponding user profile.
After gathering user fills in payment information, " gathering " button as shown in Figure 3 can be clicked, thus produce the instruction initiating gathering.After the mobile terminal of gathering user receives the instruction of the initiation gathering that the user that collects money produces, gathering instruction can be sent to server.
Optionally, see Fig. 8, this device 70 also comprises:
Receiver module 75, the gathering instruction that the mobile terminal for receiving described payment user sends, described gathering instruction has sent after described gathering user has filled in payment information, comprises the information of the user of described participation mobile payment in described gathering instruction;
The flow process that gathering user performs see the associated description in above-mentioned embodiment of the method, can not repeat them here.
Second sending module 76, for the information of the user according to described participation mobile payment, the user to described participation mobile payment sends payment instruction, carries out mobile payment to make the user of described participation mobile payment according to described payment instruction.
After server receives gathering instruction, according to the information of the user of participation mobile payment, payment instruction can be sent to corresponding user.The user receiving payment instruction can be called payment user.
The flow process that payment user performs see the associated description in above-mentioned embodiment of the method, can not repeat them here.
In prior art, need first to set up same customer group, and the present embodiment can not need first to set up customer group, directly sends payment instruction according to user profile to corresponding user, thus reduce operation complexity.
In the present embodiment, by obtaining the relation information between user, and selecting the user that there is incidence relation according to relation information, the concurrency conflict that in the same area, non-participating user causes can be avoided.In addition, the present embodiment by obtaining the information of the user participating in mobile payment, and sends payment instruction directly to the user participating in mobile payment, the user participating in mobile payment can not be needed to set up same customer group in advance, reduce operation complexity.
It should be noted that, in describing the invention, term " first ", " second " etc. only for describing object, and can not be interpreted as instruction or hint relative importance.In addition, in describing the invention, except as otherwise noted, the implication of " multiple " refers at least two.
Describe and can be understood in process flow diagram or in this any process otherwise described or method, represent and comprise one or more for realizing the module of the code of the executable instruction of the step of specific logical function or process, fragment or part, and the scope of the preferred embodiment of the present invention comprises other realization, wherein can not according to order that is shown or that discuss, comprise according to involved function by the mode while of basic or by contrary order, carry out n-back test, this should understand by embodiments of the invention person of ordinary skill in the field.
Should be appreciated that each several part of the present invention can realize with hardware, software, firmware or their combination.In the above-described embodiment, multiple step or method can with to store in memory and the software performed by suitable instruction execution system or firmware realize.Such as, if realized with hardware, the same in another embodiment, can realize by any one in following technology well known in the art or their combination: the discrete logic with the logic gates for realizing logic function to data-signal, there is the special IC of suitable combinational logic gate circuit, programmable gate array (PGA), field programmable gate array (FPGA) etc.
Those skilled in the art are appreciated that realizing all or part of step that above-described embodiment method carries is that the hardware that can carry out instruction relevant by program completes, described program can be stored in a kind of computer-readable recording medium, this program perform time, step comprising embodiment of the method one or a combination set of.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing module, also can be that the independent physics of unit exists, also can be integrated in a module by two or more unit.Above-mentioned integrated module both can adopt the form of hardware to realize, and the form of software function module also can be adopted to realize.If described integrated module using the form of software function module realize and as independently production marketing or use time, also can be stored in a computer read/write memory medium.
The above-mentioned storage medium mentioned can be ROM (read-only memory), disk or CD etc.
In the description of this instructions, specific features, structure, material or feature that the description of reference term " embodiment ", " some embodiments ", " example ", " concrete example " or " some examples " etc. means to describe in conjunction with this embodiment or example are contained at least one embodiment of the present invention or example.In this manual, identical embodiment or example are not necessarily referred to the schematic representation of above-mentioned term.And the specific features of description, structure, material or feature can combine in an appropriate manner in any one or more embodiment or example.
Although illustrate and describe embodiments of the invention above, be understandable that, above-described embodiment is exemplary, can not be interpreted as limitation of the present invention, and those of ordinary skill in the art can change above-described embodiment within the scope of the invention, revises, replace and modification.
Claims (10)
1. a method of mobile payment, is characterized in that, comprising:
Obtain the positional information of obligation user, and according to described positional information, described obligation user is divided into groups;
Obtain the relation information between user in grouping;
According to described relation information, select the user that there is incidence relation, and the described user that there is incidence relation is defined as the user participating in mobile payment, so that the user of described participation mobile payment carries out mobile payment.
2. method according to claim 1, is characterized in that, the positional information of described acquisition obligation user, comprising:
When after the application program that obligation user starts for paying the bill, obtain the positional information of corresponding obligation user.
3. method according to claim 1, is characterized in that, the described relation information obtained in grouping between user, comprising:
According to the address list of user in described grouping, or social information, obtains described relation information.
4. the method according to any one of claim 1-3, is characterized in that, also comprises:
The information of the user of described participation mobile payment is sent to the mobile terminal of payment user, to be illustrated on gathering interface, payment information is filled in for the user that collects money in described gathering interface.
5. method according to claim 4, is characterized in that, also comprises:
The gathering instruction that the mobile terminal receiving described payment user sends, described gathering instruction has sent after described gathering user has filled in payment information, comprises the information of the user of described participation mobile payment in described gathering instruction;
According to the information of the user of described participation mobile payment, the user to described participation mobile payment sends payment instruction, carries out mobile payment to make the user of described participation mobile payment according to described payment instruction.
6. a mobile payment device, is characterized in that, comprising:
Grouping module, for obtaining the positional information of obligation user, and according to described positional information, divides into groups to described obligation user;
Acquisition module, for obtaining the relation information in grouping between user;
Select module, for according to described relation information, select the user that there is incidence relation, and the described user that there is incidence relation is defined as the user participating in mobile payment, so that the user of described participation mobile payment carries out mobile payment.
7. device according to claim 6, is characterized in that, described grouping module, for obtaining the positional information of obligation user, comprising:
When after the application program that obligation user starts for paying the bill, obtain the positional information of corresponding obligation user.
8. device according to claim 6, is characterized in that, described acquisition module, for obtaining the relation information in grouping between user, comprising:
According to the address list of user in described grouping, or social information, obtains described relation information.
9. the device according to any one of claim 6-8, is characterized in that, also comprises:
First sending module, the information for the user by described participation mobile payment sends to the mobile terminal of payment user, and to be illustrated on gathering interface, payment information is filled in for the user that collects money in described gathering interface.
10. device according to claim 9, is characterized in that, also comprises:
Receiver module, the gathering instruction that the mobile terminal for receiving described payment user sends, described gathering instruction has sent after described gathering user has filled in payment information, comprises the information of the user of described participation mobile payment in described gathering instruction;
Second sending module, for the information of the user according to described participation mobile payment, the user to described participation mobile payment sends payment instruction, carries out mobile payment to make the user of described participation mobile payment according to described payment instruction.
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| CN108038687B (en) * | 2017-11-21 | 2022-03-18 | 平安科技（深圳）有限公司 | Transaction method based on voice recognition, server and computer-readable storage medium |
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Application publication date: 20150708 |