CN104036388B - Combine operated payment funding processing method - Google Patents
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- CN104036388B CN104036388B CN201410229156.7A CN201410229156A CN104036388B CN 104036388 B CN104036388 B CN 104036388B CN 201410229156 A CN201410229156 A CN 201410229156A CN 104036388 B CN104036388 B CN 104036388B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
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Abstract
The invention discloses one kind to combine operated payment funding processing method, comprises the following steps：Following steps：A) current order total value is obtained, and is paying the multiple Funding Types that can be used for paying of page binding display；B) set in the payment interface and show the container for storing current payment；C) at least one Funding Type is selected to enter the container, and to selecting the payment ratio into the Funding Type in container to be adjusted in real time, until the combined payment amount of money of all Funding Types is current order total value in container；D) confirm after paying, be divided into corresponding sub- order to be paid respectively current order according to the payment of each Funding Type in container.Combination operated payment funding processing method provided by the invention, realize any combination of multiple different Funding Types and real-time online adjustment is carried out to Payment Proportion, greatly simplify the selection adjustment for paying combination and amount of money ratio, meet the various combination customized demand of user.
Description
Technical field
The present invention relates to a kind of payment funding method, more particularly to a kind of combination operated payment funding processing method.
Background technology
With widely using for ecommerce, cashier pays the species of the available means of payment of link increasingly
It is more, for example currently used quick payment, remaining sum are paid, ready money treasured is paid, treasured of borrowing money is paid and prepaid card is paid etc..It is existing
There is order payment funding to belong to substantially and beat hook choice box, either PC ends or mobile terminal, such as mobile phone, tablet personal computer, use
Be that more traditional list mode is shown different channels to fund, select one or more channels to fund to be paid
Just indicated with radio box+multiselect frame, if it is desired that when being paid with more than two channels to fund, user is easy for being grown
Long channels to fund list is made dizzy, when particularly the inside has mixed the various exhibition methods of pure words and word+icon, selects it
In two or more than two carry out payment and seem to have no way of doing it and complexity is abnormal.The operating experience of user is not only leveraged,
And time cost and alternative costs that user selects the means of payment are added, the possibility for abandoning paying is increased, is reduced
It is final to pay success rate.
Further, since the balance in hand of channels to fund, existing amount, payment are not typically integers, and it is different
Mutual exclusion rule between Funding Type often be present, even more increase different Funding Type combined payment difficulty, particularly control not
With the degree of difficulty of the combined payment ratio of Funding Type.Therefore, selecting sequence of the existing combined payment mode generally according to user
Or pre-set priority, prioritizing selection one of which Funding Type carry out full-payout, if amount of the fund is inadequate, are further continued for selecting
Subsequent combination Funding Type is paid, and does not provide the on-line tuning of combined payment.User in order to realize the combined payment amount of money of customization,
Generally require that order is divided into several sub- orders manually, then paid respectively with different Funding Types.
The content of the invention
The technical problems to be solved by the invention are to provide a kind of combination operated payment funding processing method, can realize
Any combination of multiple different Funding Types is paid, and easily can carry out real-time online adjustment to combined payment ratio, significantly
Simplify the selection adjustment of Funding Type and portfolio ratio, meet the various combination customized demand of user.
The present invention is to provide a kind of combination operated payment funding to solve the technical scheme that above-mentioned technical problem uses
Processing method, comprise the following steps：A) obtain current order total value, and pay the page binding display it is multiple can be used for pay
Funding Type；B) set in the payment interface and show the container for storing current payment；C) select at least one
Funding Type enters the container, and to selecting the payment ratio into the Funding Type in container to be adjusted in real time, until
The combined payment amount of money of all Funding Types is current order total value in container；D) confirm after paying, according to each money in container
Current order is divided into corresponding sub- order to be paid respectively by the payment of golden type.
Combinations of the above operated payment funding processing method, wherein, the Funding Type in the step a) includes quick
Pay, remaining sum is paid, ready money it is precious pay, borrow money it is precious pay or prepaid card is paid, according to trading rules between different Funding Types
Mutex propertiy is set, it is when existing Funding Type has mutex relation in the Funding Type and container newly chosen, then automatic to remove
The existing Funding Type that mutex relation be present in container.
Combinations of the above operated payment funding processing method, wherein, container in the step b) is bucket, wallet or
Cup, cut-off rule is provided between different Funding Types in the container, area size shared by different Funding Types and the fund class
The chosen payment of type is proportional.
Combinations of the above operated payment funding processing method, wherein, the step c) is adjusted in real time by pulling cut-off rule
It is whole and show the different respective payments of Funding Type in the container, and in holding container all Funding Types combination branch
It is current order total value to pay number.
Combinations of the above operated payment funding processing method, wherein, can the Funding Type produce progress by being transferred to
Classification, and set corresponding hauling-out of being dragged in identify；The step c) is by responding dragging between multiple Funding Types and container
Release operation is dragged, selects Funding Type to enter or remove container.
Combinations of the above operated payment funding processing method, wherein, the container presets greatest combined threshold value, be elected into
When the number of Funding Type in container is less than greatest combined threshold value, the Funding Type newly chosen directly is added；It is elected into container
In the number of Funding Type when reaching greatest combined threshold value, continue to select other fund classes that can be used for paying in payment interface
During type, container is replaced by drag operation and is dragged in Funding Type at region.
Combinations of the above operated payment funding processing method, wherein, adjustment mode is divided into coarse adjustment, micro- in the step c)
Reconcile and accurately adjust three kinds of modes；Under coarse adjustment mode, paid by dragging the cut-off rule between different Funding Types to adjust
The amount of money；Under fine-tuning mode, first the cut-off rule operating area between different Funding Types is amplified, then put by dragging
Cut-off rule after big adjusts payment；Under delicate control method, user's long-press has been dragged in certain fund class in container
Type, directly inputs the payment of the Funding Type, and the position according to the payment size of the Funding Type to cut-off rule
Adjust accordingly.
Combinations of the above operated payment funding processing method, wherein, under fine-tuning mode, if total amount of the orders is minimum single
Position then drags by 0.01 yuan of increase and decrease every time to divide；If total amount of the orders least unit is angle, dragging is by 0.1 yuan of increase and decrease every time；
If total amount of the orders least unit is member, dragging is by 1 yuan of increase and decrease every time.
Combinations of the above operated payment funding processing method, wherein, when the payment amount of some Funding Type in container
Dragging limitation is carried out when reaching the upper limit, when the combined payment number of all Funding Types in container is less than total amount of the orders, display
Order difference to be paid and to meet difference payment unselected Funding Type carry out selection prompting.
Combinations of the above operated payment funding processing method, wherein, it is described when new addition Funding Type is to container every time
The acquiescence payment amount of Funding Type is in total amount of the orders and container between current all combination numbers for choosing Funding Type
Difference；When the Funding Type in container is replaced in selection every time, keep the payment amount of Funding Type before and after replacing constant.
Present invention contrast prior art has following beneficial effect：Combination operated payment funding processing provided by the invention
Method, by being set in payment interface and showing that patterned container is used as electric cash platform and stores current payment；Fund
The selection of type and the combination of respective payment carry out selection by patterned control mode and adjusted in real time, and according to
Current order is divided into corresponding sub- order to be paid respectively by the payment of each Funding Type automatically in container, so as to
It can realize that any combination of multiple different Funding Types is paid by patterned mode, greatly simplify payment combination and the amount of money
The selection adjustment of ratio, meets that single fund instrument pays the various combination customized demand with user.
Brief description of the drawings
Fig. 1 is present invention combination operated payment funding handling process schematic diagram；
Fig. 2 is a variety of different Funding Type combination selection schematic flow sheets of the present invention；
Fig. 3 adjusts combined payment ratio schematic diagram for a variety of different Funding Types of the present invention in bucket container.
Embodiment
The invention will be further described with reference to the accompanying drawings and examples.
Fig. 1 is present invention combination operated payment funding handling process schematic diagram.
Fig. 1 is referred to, combination operated payment funding processing method provided by the invention, is comprised the following steps：
Step S1：Current order total value is obtained, and is paying the multiple Funding Types that can be used for paying of page binding display；
The Funding Type includes quick payment, remaining sum is paid, ready money treasured is paid, treasured of borrowing money is paid or prepaid card is paid etc., difference
Mutex propertiy is set according to trading rules between Funding Type, for example defines different enumeration types, represents different payers
Formula, such as AssetType.YFK, AssetType.BALANCE, AssetType.BANK represent prepaid card, remaining sum and bank respectively
Card etc..When existing Funding Type has mutex relation in the Funding Type and container newly chosen, then automatic remove in container shows
The Funding Type of some presence mutex relations.Common mutual exclusion processing enumerates as follows：1), currently the selection means of payment is prepayment
Card, then other means of payment in bucket are removed into (remaining sum, bank card, ready money treasured etc.)；2), currently the selection means of payment is remaining
Volume, bank card, ready money are precious, it is one of precious to borrow money, then remove the prepaid card in bucket；If the bank card of selection is credit card
Also need precious remove that will borrow money；If selection also needs to remove the credit card in bucket for treasured of borrowing money.
Step S2：Set in the payment interface and show the container for storing current payment；The container can
Think bucket, wallet or cup etc., cut-off rule, different Funding Type institutes occupied area are provided between different Funding Types in the container
The payment that domain size and the Funding Type are selected is proportional.By taking bucket cashier as an example：According to bucket height H
(SurfaceView display height, unit pixel point) and order total amount M (identical element), the water represented by unit of account member
The payment of height, the successively current each Funding Type of traversal acquisition, the payment currently chosen according to each Funding Type calculate
Each water is high.
Step S3：At least one Funding Type is selected to enter the container, and to selecting the branch into the Funding Type in container
Pay amount of money ratio to be adjusted in real time, until the combined payment amount of money of all Funding Types is current order total value in container；Choosing
In or remove can be by clicking on or pulling realization.Can the Funding Type can be classified by being transferred to produce in advance, and be set
Corresponding is dragged in hauling-out mark；Then payment interface is grasped by responding the release of the dragging between multiple Funding Types and container again
Make, select Funding Type to enter or remove container.Operated for the ease of user, user enters the cashier page, and system can root
The optimal payment that an acquiescence is provided according to user's current account fund state is combined, and user need to only click on confirmation；User
Can further it adjust in default good combination, the ratio situation between various Funding Types.
The predeterminable greatest combined threshold value of container of the present invention, the number being elected into the Funding Type in container are less than maximum group
When closing threshold value, the Funding Type newly chosen directly is added；The number being elected into the Funding Type in container reaches greatest combined threshold
During value, payment interface continue to select it is other can be used for the Funding Type paid when, container is replaced by drag operation and is dragged in area
Funding Type at domain.Similarly, adjusted in real time by pulling cut-off rule and show that different Funding Types are each in the container
Payment, and the combined payment number of all Funding Types is current order total value in holding container.
The present invention is divided into coarse adjustment, fine setting to the payment adjustment modes of different Funding Types in container and accurately adjusts three
Kind mode；Under coarse adjustment mode, payment is adjusted by dragging the cut-off rule between different Funding Types；In fine-tuning mode
Under, first the cut-off rule operating area between different Funding Types is amplified, then by drag amplify after cut-off rule come
Adjust payment；Under delicate control method, user's long-press has been dragged in certain Funding Type in container, directly inputs the money
The payment of golden type, and the position of cut-off rule is adjusted accordingly according to the payment size of the Funding Type.
In order to ensure the accuracy of adjustment, under fine-tuning mode, if total amount of the orders least unit is to divide (such as 12.87
Member), then dragging increases and decreases by 0.01 yuan every time；If total amount of the orders least unit is angle (such as 12.80 yuan), dragging every time is pressed
0.1 yuan of increase and decrease；If total amount of the orders least unit is first (such as 12.00 yuan), dragging is by 1 yuan of increase and decrease every time.Specific implementation machine
System is as follows：It is that SurfaceView sets the monitoring event that touches, rewriting onTouch methods, for touch event to bucket
ACTION_DOWN, ACTION_MOVE are processed.Record chooses Funding Type to be adjusted during down, during move according to it is mobile away from
From (it is increase up to slide, and is down slided to reduce), triggers and once the Funding Type chosen is done once according to fine setting rule
Increase and decrease operation, while the payment of each fund and water height in bucket are recalculated, so as to reach real-time adjustment.
Because the graphical integrated level of the cashiers such as bucket, wallet or cup is higher, it is necessary to frequently redraw, therefore can use
The SurfaceView provided in android realizes that it has embedded a Surface dedicated for drafting, can directly from
The hardware interface such as internal memory or DMA obtains view data, is a very important drawing container, it can open up special wash with watercolours
Thread is contaminated to do drawing, it is more efficient compared to common View controls, so that user's operation is more smooth.
In addition, dragging limitation is carried out when the payment amount of some Funding Type in container reaches the upper limit, if Funding Type
For bank card, then the amount of money is infinitely great；When changing payment, judgement of crossing the border can be done to payment, i.e., payment can not
More than the total amount of the Funding Type (except bank card).In order to preferably provide the experience effect of user, when all in container
When the combined payment number of Funding Type is less than total amount of the orders, order difference to be paid can be shown and paid not to meeting difference
Funding Type is chosen to carry out selection prompting.
In order to ensure to combine the continuity of amount of money adjustment, when new addition Funding Type is to container every time, the Funding Type
Difference of the acquiescence payment amount between current all combination numbers for choosing Funding Type in total amount of the orders and container；Every time
When the Funding Type in container is replaced in selection, keep the payment amount of Funding Type before and after replacing constant.
Step S4：Confirm after paying, current order is divided into by phase according to the payment of each Funding Type in container
The sub- order answered is paid respectively.
Fig. 2 is a variety of different Funding Type combination selection schematic flow sheets of the present invention.
Continuing with as follows referring to Fig. 2, whole operation flow of the invention：User enters the cashier page, and system can root
The optimal payment that an acquiescence is provided according to user's current account fund state is combined, and user need to only click on confirmation.User
Can further it adjust in default good combination, the ratio situation between fund, adjustment mode is divided into coarse adjustment, fine setting and essence
Really three kinds of adjustment.Coarse adjustment be with hand stir fund between cut-off rule at, stir up and down i.e. regulation between ratio.Finely tune special pin
It is smaller to the less proportion of the amount of money so that operating area it is narrow it is limited in the case of, can occur a magnifying glass effect automatically,
After operating area is exaggerated, finger manipulation is with regard to more convenient.Accurate adjustment then meets the needs of user directly inputs determination value, uses
The head of a household is then directly inputted the page of the amount of money, bucket is again returned to after inputting the amount of money by certain Funding Type being dragged in bucket
The cashier page, that is, complete accurate adjustment.
Combination operated payment funding processing method provided by the invention, user can also voluntarily select other fund classes
Type, self-defined combination mode.As shown in figure 3, user can click on the Funding Type display area by bucket, selectable fund
Type can eject, and user clicks on one of which, and the Funding Type is chosen to enter bucket, or pins and be dragged into bucket, this
When system can judge to whether there is mutex relation between the Funding Type to be added and the Funding Type chosen, mutex relation meaning
Taste two kinds of Funding Types and can not be applied in combination, if there is no mutex relation, then the Funding Type newly added can and bucket
Interior all Funding Type combinations, and be directly displayed in bucket, one default value of systemic presupposition gives the Funding Type newly added,
User can voluntarily adjust the amount of money；If there is mutex relation, then a certain Funding Type in the Funding Type and bucket newly added
It can not combine, the two can only take first, now can newly add Funding Type can automatically replace the Funding Type of mutual exclusion, acquiescence exhibition
Show that the amount of money is identical with mutual exclusion Funding Type.
In summary, combination operated payment funding processing method provided by the invention, it is former based on original equal value exchange
Then, current payment is stored by the use of containers such as patterned bucket, wallet or cups as electric cash platform in payment interface；
The selection of Funding Type and the combination of respective payment carry out selection and in real time adjustment by patterned control mode, such as
With dragging, click, singly refer to the modes of operation such as fluctuation, select difference to disburse funds, realize single or the combination of a variety of means of payment, together
When can be visually seen the ratio of a variety of means of payment and adjust different ratio using stirring.Graphical receipts provided by the invention
Silver-colored platform, it is directed to the immersion interaction operation experience of What You See Is What You Get, the mesh of relation one of selected Funding Type and the order amount of money
So, can complete to pay when Funding Type fills up container where order, while the every kind of Funding Type expenditure of graphical representation
Ratio situation.User can also adjust any one Funding Type proportion by finger fluctuation, while can also be directly
Input numerical value carrys out the amount of money of any one Funding Type of explication.Whole operation is simple and clear as game, and no longer
It is the stacking of abstract word and numeral.Operationally see, it is such dragging slide etc. experience more meet mobile terminal design and
Operating principle, the characteristics of taking full advantage of touch-screen, the selection adjustment for paying combination and amount of money ratio is greatly simplified, is met single
Fund instrument is paid and the various combination customized demand of user, and the application of advantageously combined payment.
Although the present invention is disclosed as above with preferred embodiment, so it is not limited to the present invention, any this area skill
Art personnel, without departing from the spirit and scope of the present invention, when a little modification and perfect, therefore the protection model of the present invention can be made
Enclose to work as and be defined by what claims were defined.
Claims (6)
1. one kind combination operated payment funding processing method, it is characterised in that comprise the following steps：
A) current order total value is obtained, and is paying the multiple Funding Types that can be used for paying of page binding display, the fund
Can type be classified by being transferred to produce, and is set and corresponding be dragged in hauling-out mark；
B) set in the payment interface and show the container for storing current payment；
C) at least one Funding Type is selected to enter the container, and to selecting the payment ratio into the Funding Type in container
Adjusted in real time, until the combined payment amount of money of all Funding Types is current order total value in container；
D) confirm after paying, current order is divided into by corresponding sub- order according to the payment of each Funding Type in container
Paid respectively；
Funding Type in the step a) includes quick payment, remaining sum is paid, ready money bag is paid, borrow money precious payment or prepaid card
Pay, mutex propertiy is set according to trading rules between different Funding Types, when existing in the Funding Type and container newly chosen
Funding Type mutex relation be present, then automatically remove container in the existing Funding Type that mutex relation be present；
Container in the step b) is bucket, wallet or cup, and segmentation is provided between different Funding Types in the container
The chosen payment of line, area size shared by different Funding Types and the Funding Type is proportional；
The step c) does not allow Funding Type is respective to pay gold by pulling cut-off rule and adjusting and show in real time in the container
Volume, and the combined payment number of all Funding Types is current order total value in holding container；The step c) is more by responding
Dragging release operation between individual Funding Type and container, selects Funding Type to enter or remove container.
2. combination operated payment funding processing method as claimed in claim 1, it is characterised in that the default maximum of the container
Combined threshold value, when selecting the number into the Funding Type in container to be less than greatest combined threshold value, directly add the fund newly chosen
Type；When selecting the number into the Funding Type in container to reach greatest combined threshold value, continue to select other can in payment interface
During funds for payment type, container is replaced by drag operation and is dragged in Funding Type at region.
3. combination operated payment funding processing method as claimed in claim 1, it is characterised in that adjusted in the step c)
Mode is thick bar, fine setting and accurately adjusts three kinds of modes；Under thick bar mode, by pulling the segmentation between different Funding Types
Line adjusts payment；Under fine-tuning mode, first the cut-off rule operating area between different Funding Types is amplified, so
Afterwards payment is adjusted by dragging the cut-off rule after amplifying；Under delicate control method, user's long-press has been dragged in container
Certain Funding Type, directly input the payment of the Funding Type, and according to the payment size pair of the Funding Type
The position of cut-off rule adjusts accordingly.
4. combination operated payment funding processing method as claimed in claim 3, it is characterised in that under fine-tuning mode, such as
Fruit total amount of the orders least unit is divides, then 0.01 yuan of increase and decrease is pressed in dragging every time；If total amount of the orders least unit is angle, every time
Dragging is by 0.1 yuan of increase and decrease；If order total amount least unit is member, dragging is by 1 yuan of increase and decrease every time.
5. combination operated payment funding processing method as claimed in claim 1, it is characterised in that when some money in container
The payment amount of golden type carries out dragging limitation when reaching the upper limit, when the combined payment number of all Funding Types in container is less than
During total amount of the orders, show order difference to be paid and the unselected Funding Type to meeting difference payment carries out selection prompting.
6. combination operated payment funding processing method as claimed in claim 1, it is characterised in that new addition fund class every time
When type is to container, the acquiescence payment amount of the Funding Type is current all Funding Types of choosing in total amount of the orders and container
Combine the difference between number；When the Funding Type in container is replaced in selection every time, the payment of Funding Type before and after replacing is kept
Number is constant.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410229156.7A CN104036388B (en) | 2014-05-28 | 2014-05-28 | Combine operated payment funding processing method |
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|---|---|---|---|
| CN201410229156.7A CN104036388B (en) | 2014-05-28 | 2014-05-28 | Combine operated payment funding processing method |
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| CN104036388A CN104036388A (en) | 2014-09-10 |
| CN104036388B true CN104036388B (en) | 2017-11-21 |
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| JP6375853B2 (en) * | 2014-10-10 | 2018-08-22 | セイコーエプソン株式会社 | RECORDING DEVICE, ACCOUNTING SYSTEM, AND RECORDING DEVICE CONTROL METHOD |
| CN105654293B (en) * | 2014-12-03 | 2020-01-17 | 阿里巴巴集团控股有限公司 | Payment method and device |
| CN104966194A (en) * | 2015-07-21 | 2015-10-07 | 深圳市淘淘谷信息技术有限公司 | Composite cash register method and intelligent cash register system therefor |
| CN105550864A (en) * | 2015-12-10 | 2016-05-04 | 盟广信息技术（上海）有限公司 | Method and apparatus for processing hotel business requests |
| CN107862609A (en) * | 2017-06-27 | 2018-03-30 | 陆金所（上海）科技服务有限公司 | Amount of money matching method, display device and computer-readable recording medium |
| JP6965056B2 (en) * | 2017-08-10 | 2021-11-10 | 東芝テック株式会社 | Transaction settlement system, transaction processing device, settlement device and its program |
| JP6978897B2 (en) * | 2017-11-01 | 2021-12-08 | シャープ株式会社 | Multimedia terminals, information processing systems, control programs and control methods |
| CN109118235A (en) * | 2018-07-27 | 2019-01-01 | 拉卡拉支付股份有限公司 | Method of payment, device, electronic equipment and storage medium |
| CN112036863A (en) * | 2020-07-31 | 2020-12-04 | 长沙市到家悠享网络科技有限公司 | Payment amount processing method and device, electronic equipment and storage medium |
| CN112333083B (en) * | 2020-10-30 | 2023-04-28 | 平安付科技服务有限公司 | Transaction information processing method, device, computer equipment and computer readable medium |
| CN113159753A (en) * | 2021-05-26 | 2021-07-23 | 中国银行股份有限公司 | Combined payment method, device, equipment and readable storage medium |
| CN113222578A (en) * | 2021-05-28 | 2021-08-06 | 支付宝(杭州)信息技术有限公司 | Payment method and device |
| CN113988874A (en) * | 2021-11-25 | 2022-01-28 | 中国银行股份有限公司 | Bank multi-type fund using method and device |
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