CN106682908B - Payment device and method - Google Patents

Abstract

The invention discloses a payment device, comprising: the obtaining module is used for obtaining a payment withholding account related to the user self account from the server according to a payment withholding instruction triggered by the user; the sending module is used for packaging the payment amount input by the user and the used payment account to a payment request, and sending the payment request to the server so that the server verifies whether the payment amount is in the payment amount range of the payment account and feeds back a verification result; and the payment module is used for carrying out payment by using the payment-under-payment account according to the payment amount input by the user when the received feedback information shows that the verification is passed. The invention also discloses a payment method. The invention can realize safe and quick electronic payment without the participation of a payment-for-replacement terminal.

Description

Payment device and method

Technical Field

The invention relates to the field of electronic payment, in particular to a payment device and a payment method.

Background

Electronic payment through a terminal is convenient, so that payment through the terminal is widely applied. At present, people are increasingly inclined to electronic payments. In the process of carrying out electronic payment by a certain user, when the balance of the user is insufficient, other users can be found for carrying out payment instead. For example, in the process of electronic payment, when the balance of the user a is insufficient, the user a may initiate a payment withholding request to the user B, and after receiving the payment withholding request, the user B may display payment withholding request information about the user a, and the user B completes payment withholding according to the payment withholding request information.

However, after the user B receives the payment assistant request information, it is impossible to verify whether the payment assistant request information of the user a is originated by the user a, that is, it is impossible to distinguish whether the payment assistant request information of the user a is true and is likely to be forged by others, and the security is low. And after receiving the request information of the payment generation, the user B needs to feed back to the user A to complete the payment generation, and when the user B is in a place with poor network coverage, the user B cannot feed back in time, so that the payment cannot be completed quickly.

Disclosure of Invention

The invention mainly aims to provide a payment device and a payment method, aiming at realizing safe and quick electronic payment.

To achieve the above object, the present invention provides a payment apparatus, comprising:

the obtaining module is used for obtaining a payment withholding account related to the user self account from the server according to a payment withholding instruction triggered by the user;

the sending module is used for packaging the payment amount input by the user and the used payment account to a payment request, and sending the payment request to the server so that the server verifies whether the payment amount is in the payment amount range of the payment account and feeds back a verification result;

and the payment module is used for carrying out payment by using the payment-under-payment account according to the payment amount input by the user when the received feedback information shows that the verification is passed.

Optionally, the sending module is further configured to encapsulate the payment amount input by the user and the used proxy payment account number into a proxy payment request, and send the proxy payment request to the server, so that the server verifies whether the number of times of proxy payment of the account request sending the proxy payment request is within a preset proxy payment number range of the proxy payment account number, and feeds back a verification result.

Optionally, the payment amount includes a single payment amount, and the sending module is further configured to encapsulate a payment amount input by the user and the used proxy payment account into a proxy payment request, and send the proxy payment request to the server, so that the server verifies whether the payment amount is within a single proxy payment amount range of the proxy payment account and feeds back a verification result.

Optionally, the payment amount further includes a total payment amount, and the sending module is further configured to send the payment amount input by the user and the used proxy payment account to the server, so that the server verifies whether the payment amount is within a total proxy payment amount range within a preset time period of the proxy payment account and feeds back a verification result.

Optionally, the generating module is configured to receive a payment instruction triggered by a user, and generate a corresponding payment barcode for scanning by a payee;

the receiving module is used for receiving payment amount verification information fed back by the server, wherein the verification information is information fed back after the server verifies whether the payment amount is within the payment account range of the payment account when receiving the payment amount and the payment account number sent by a payee when scanning the payment bar code;

and the payment module is also used for paying by using the payment account according to the payment amount if the received feedback information indicates that the payment amount is within the payment account range of the payment account.

In addition, to achieve the above object, the present invention also provides a payment method, including the steps of:

obtaining a payment surrogating account related to the user self account from a server according to a payment surrogating instruction triggered by the user;

packaging payment amount input by a user and a used payment-instead account number into a payment-instead request, and sending the payment-instead request to a server so that the server verifies whether the payment amount is within the payment-instead amount range of the payment-instead account number and feeds back a verification result;

and when the received feedback information shows that the verification is passed, the payment is carried out by using the payment account under the condition of the payment amount input by the user.

Optionally, the step of packaging the payment amount input by the user and the used payment account into a payment account pickup request, and sending the payment account pickup request to the server, so that the server verifies whether the payment amount is within the payment account pickup range of the payment account and feeds back a verification result includes:

packaging the payment amount input by the user and the used payment-for-delivery account number to a payment-for-delivery request, and sending the payment-for-delivery request to a server, so that the server verifies whether the number of times of payment-for-delivery of the account request sending the payment-for-delivery request is within a preset payment-for-delivery number range of the payment-for-delivery account number and feeds back a verification result.

Optionally, the payment amount includes a single payment amount, the step of encapsulating a payment amount input by a user and a used payment account to a payment account pickup request, and sending the payment account pickup request to a server, so that the server verifies whether the payment amount is within the payment amount range of the payment account and feeds back a verification result includes:

packaging the payment amount input by the user and the used payment account to a payment request, and sending the payment request to a server, so that the server verifies whether the payment amount is within the single payment amount range of the payment account and feeds back a verification result.

Optionally, the payment amount further includes a total payment amount, and the step of sending the payment amount input by the user and the used payment-for-delivery account to the server so that the server verifies whether the payment amount is within the range of the payment-for-delivery amount of the payment-for-delivery account and feeds back a verification result further includes:

and sending the payment amount input by the user and the used payment-substituting account to a server so that the server verifies whether the payment amount is in the total payment-substituting amount range of the payment-substituting account within a preset time period and feeds back a verification result.

Optionally, the step of obtaining a pay-by-payment account associated with the user's own account according to a pay-by-payment slave server instruction triggered by the user further includes:

receiving a payment instruction triggered by a user and generating a corresponding payment bar code for scanning by a payee;

receiving payment amount verification information fed back by the server, wherein the verification information is information fed back after the server verifies whether the payment amount is within the payment amount range of the payment account when receiving the payment amount and the payment account number sent when a payee scans the payment bar code;

and if the received feedback information indicates that the payment amount is within the payment amount range of the payment account, the payment is carried out by using the payment account according to the payment amount.

The method comprises the steps that a payment withholding account number associated with a user's own account number is obtained from a server according to a payment withholding instruction triggered by the user; packaging payment amount input by a user and a used payment-instead account number into a payment-instead request, and sending the payment-instead request to a server so that the server verifies whether the payment amount is within the payment-instead amount range of the payment-instead account number and feeds back a verification result; and when the received feedback information shows that the verification is passed, the payment is carried out by using the payment account under the condition of the payment amount input by the user. In the mode, the user acquires the corresponding proxy payment account from the server by triggering the proxy payment instruction, then the user selects the proxy payment account used from the pre-stored proxy payment account, the proxy payment account selected by the user and the input payment amount are packaged to the proxy payment request and sent to the server, and the server carries out verification according to the proxy payment account and the payment amount; when the feedback information after the server verification is passed is received, the payment is carried out by using the payment-instead account number, the participation of a payment-instead terminal is not needed, the payment can be carried out by verifying the payment amount and the payment-instead account number by the server, the safe and quick payment can be realized, and the user experience is improved.

Drawings

Fig. 1 is a schematic diagram of an alternative hardware configuration of a mobile terminal implementing various embodiments of the present invention;

FIG. 2 is a diagram of a wireless communication device of the mobile terminal shown in FIG. 1;

FIG. 3 is a block diagram of a payment device according to a first embodiment of the present invention;

FIG. 4 is a block diagram of a payment device according to a second embodiment of the present invention;

FIG. 5 is a schematic flow chart of a payment method according to a first embodiment of the present invention;

FIG. 6 is a schematic flow chart of a payment method according to a second embodiment of the present invention;

FIG. 7 is a schematic flow chart of a payment method according to a third embodiment of the present invention;

fig. 8 is a flowchart illustrating a payment method according to a fourth embodiment of the present invention.

The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.

Detailed Description

It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

A mobile terminal implementing various embodiments of the present invention will now be described with reference to the accompanying drawings. In the following description, suffixes such as "module", "component", or "unit" used to denote elements are used only for facilitating the explanation of the present invention, and have no specific meaning in themselves. Thus, "module" and "component" may be used in a mixture.

The mobile terminal may be implemented in various forms. For example, the terminal described in the present invention may include a mobile terminal such as a mobile phone, a smart phone, a notebook computer, a digital broadcast receiver, a PDA (personal digital assistant), a PAD (tablet computer), a PMP (portable multimedia player), a navigation device, and the like, and a stationary terminal such as a digital TV, a desktop computer, and the like. In the following, it is assumed that the terminal is a mobile terminal. However, it will be understood by those skilled in the art that the configuration according to the embodiment of the present invention can be applied to a fixed type terminal in addition to elements particularly used for moving purposes.

Fig. 1 is a schematic hardware structure of an alternative mobile terminal implementing various embodiments of the present invention.

The mobile terminal 100 may include a wireless communication unit 110, an a/V (audio/video) input unit 120, a user input unit 130, an output unit 150, a memory 160, a controller 180, and a power supply unit 190, etc. Fig. 1 illustrates a mobile terminal having various components, but it is to be understood that not all illustrated components are required to be implemented. More or fewer components may alternatively be implemented. Elements of the mobile terminal will be described in detail below.

The wireless communication unit 110 typically includes one or more components that allow radio communication between the mobile terminal 100 and a wireless communication device or network. For example, the wireless communication unit may include at least one of a mobile communication module 112 and a wireless internet module 113.

The mobile communication module 112 transmits and/or receives radio signals to and/or from at least one of a base station (e.g., access point, node B, etc.), an external terminal, and a server. Such radio signals may include voice call signals, video call signals, or various types of data transmitted and/or received according to text and/or multimedia messages.

The wireless internet module 113 supports wireless internet access of the mobile terminal. The module may be internally or externally coupled to the terminal. The wireless internet access technology to which the module relates may include WLAN (wireless LAN) (Wi-Fi), Wibro (wireless broadband), Wimax (worldwide interoperability for microwave access), HSDPA (high speed downlink packet access), and the like.

The a/V input unit 120 is used to receive an audio or video signal. The a/V input unit 120 may include a camera 121, and the camera 121 processes image data of still pictures or video obtained by an image capturing apparatus in a video capturing mode or an image capturing mode. The processed image frames may be displayed on the display unit 151. The image frames processed by the cameras 121 may be stored in the memory 160 (or other storage medium) or transmitted via the wireless communication unit 110, and two or more cameras 121 may be provided according to the construction of the mobile terminal. The user input unit 130 may generate key input data according to a command input by a user to control various operations of the mobile terminal. The user input unit 130 allows a user to input various types of information, and may include a keyboard, dome sheet, touch pad (e.g., a touch-sensitive member that detects changes in resistance, pressure, capacitance, and the like due to being touched), scroll wheel, joystick, and the like. In particular, when the touch pad is superimposed on the display unit 151 in the form of a layer, a touch screen may be formed.

The display unit 151 may display information processed in the mobile terminal 100. For example, when the mobile terminal 100 is in a phone call mode, the display unit 151 may display a User Interface (UI) or a Graphical User Interface (GUI) related to a call or other communication (e.g., text messaging, multimedia file downloading, etc.). When the mobile terminal 100 is in a video call mode or an image capturing mode, the display unit 151 may display a captured image and/or a received image, a UI or GUI showing a video or an image and related functions, and the like.

Meanwhile, when the display unit 151 and the touch pad are overlapped with each other in the form of a layer to form a touch screen, the display unit 151 may serve as an input device and an output device. The display unit 151 may include at least one of a Liquid Crystal Display (LCD), a thin film transistor LCD (TFT-LCD), an Organic Light Emitting Diode (OLED) display, a flexible display, a three-dimensional (3D) display, and the like. Some of these displays may be configured to be transparent to allow a user to view from the outside, which may be referred to as transparent displays, and a typical transparent display may be, for example, a TOLED (transparent organic light emitting diode) display or the like. Depending on the particular desired implementation, the mobile terminal 100 may include two or more display units (or other display devices), for example, the mobile terminal may include an external display unit (not shown) and an internal display unit (not shown). The touch screen may be used to detect a touch input pressure as well as a touch input position and a touch input area.

The memory 160 may store software programs and the like for processing and controlling operations performed by the controller 180, or may temporarily store data (e.g., a phonebook, messages, still images, videos, and the like) that has been or will be output. Also, the memory 160 may store data regarding various ways of vibration and audio signals output when a touch is applied to the touch screen.

The memory 160 may include at least one type of storage medium including a flash memory, a hard disk, a multimedia card, a card-type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, an optical disk, and the like. Also, the mobile terminal 100 may cooperate with a network storage device that performs a storage function of the memory 160 through a network connection.

The controller 180 generally controls the overall operation of the mobile terminal. For example, the controller 180 performs control and processing related to voice calls, data communications, video calls, and the like. In addition, the controller 180 may include a multimedia module 181 for reproducing (or playing back) multimedia data, and the multimedia module 181 may be constructed within the controller 180 or may be constructed separately from the controller 180. The controller 180 may perform a pattern recognition process to recognize a handwriting input or a picture drawing input performed on the touch screen as a character or an image.

The power supply unit 190 receives external power or internal power and provides appropriate power required to operate various elements and components under the control of the controller 180.

The various embodiments described herein may be implemented in a computer-readable medium using, for example, computer software, hardware, or any combination thereof. For a hardware implementation, the embodiments described herein may be implemented using at least one of an Application Specific Integrated Circuit (ASIC), a Digital Signal Processor (DSP), a Digital Signal Processing Device (DSPD), a Programmable Logic Device (PLD), a Field Programmable Gate Array (FPGA), a processor, a controller, a microcontroller, a microprocessor, an electronic unit designed to perform the functions described herein, and in some cases, such embodiments may be implemented in the controller 180. For a software implementation, the implementation such as a process or a function may be implemented with a separate software module that allows performing at least one function or operation. The software codes may be implemented by software applications (or programs) written in any suitable programming language, which may be stored in the memory 160 and executed by the controller 180.

Up to this point, mobile terminals have been described in terms of their functionality. Hereinafter, a slide-type mobile terminal among various types of mobile terminals, such as a folder-type, bar-type, swing-type, slide-type mobile terminal, and the like, will be described as an example for the sake of brevity. Accordingly, the present invention can be applied to any type of mobile terminal, and is not limited to a slide type mobile terminal.

The mobile terminal 100 as shown in fig. 1 may be configured to operate with communication means such as wired and wireless communication means and satellite-based communication means that transmit data via frames or packets.

A communication apparatus in which a mobile terminal according to the present invention is operable will now be described with reference to fig. 2.

Such communication devices may use different air interfaces and/or physical layers. For example, the air interface used by the communication device includes, for example, Frequency Division Multiple Access (FDMA), Time Division Multiple Access (TDMA), Code Division Multiple Access (CDMA), and universal mobile telecommunications device (UMTS) (in particular, Long Term Evolution (LTE)), global system for mobile communications (GSM), and so forth. The following description relates to a CDMA communication device, as a non-limiting example, but such teachings are equally applicable to other types of devices.

Referring to fig. 2, the CDMA wireless communication apparatus may include a plurality of mobile terminals 100, a plurality of Base Stations (BSs) 270, Base Station Controllers (BSCs) 275, and a Mobile Switching Center (MSC) 280. The MSC280 is configured to interface with a Public Switched Telephone Network (PSTN) 290. The MSC280 is also configured to interface with a BSC275, which may be coupled to the base station 270 via a backhaul. The backhaul may be constructed according to any of several known interfaces including, for example, E1/T1, ATM, IP, PPP, frame Relay, HDSL, ADSL, or xDSL. It will be understood that an apparatus as shown in fig. 2 may include a plurality of BSCs 2750.

Each BS270 may serve one or more sectors (or regions), each sector covered by a multi-directional antenna or an antenna pointing in a particular direction being radially distant from the BS 270. Alternatively, each partition may be covered by two or more antennas for diversity reception. Each BS270 may be configured to support multiple frequency allocations, with each frequency allocation having a particular frequency spectrum (e.g., 1.25MHz,5MHz, etc.).

The intersection of partitions with frequency allocations may be referred to as a CDMA channel. The BS270 may also be referred to as a base transceiver sub-assembly (BTS) or other equivalent terminology. In such a case, the term "base station" may be used to generically refer to a single BSC275 and at least one BS 270. The base stations may also be referred to as "cells". Alternatively, each sector of a particular BS270 may be referred to as a plurality of cell sites.

As shown in fig. 2, a Broadcast Transmitter (BT)295 transmits a broadcast signal to the mobile terminal 100 operating within the apparatus. A broadcast receiving module 111 as shown in fig. 1 is provided at the mobile terminal 100 to receive a broadcast signal transmitted by the BT 295. In fig. 2, several global positioning device (GPS) satellites 300 are shown. The satellite 300 assists in locating at least one of the plurality of mobile terminals 100.

In fig. 2, a plurality of satellites 300 are depicted, but it is understood that useful positioning information may be obtained with any number of satellites. Other techniques that can track the location of the mobile terminal may be used instead of or in addition to GPS tracking techniques. In addition, at least one GPS satellite 300 may selectively or additionally process satellite DMB transmission.

As a typical operation of the wireless communication apparatus, the BS270 receives reverse link signals from various mobile terminals 100. The mobile terminal 100 is generally engaged in conversations, messaging, and other types of communications. Each reverse link signal received by a particular base station 270 is processed within the particular BS 270. The obtained data is forwarded to the associated BSC 275. The BSC provides call resource allocation and mobility management functions including coordination of soft handoff procedures between BSs 270. The BSCs 275 also route the received data to the MSC280, which provides additional routing services for interfacing with the PSTN 290. Similarly, the PSTN290 interfaces with the MSC280, the MSC interfaces with the BSCs 275, and the BSCs 275 accordingly control the BS270 to transmit forward link signals to the mobile terminal 100.

Based on the hardware structure of the mobile terminal and the structure of the communication device, the terminal and the method of the invention are provided with various embodiments.

The invention provides a payment device.

Referring to fig. 3, fig. 3 is a block diagram of a payment device according to a first embodiment of the present invention.

In this embodiment, the apparatus includes:

an obtaining module 100, configured to obtain, from a server, a payment assistant account associated with a user's own account according to a payment assistant instruction triggered by the user.

In order to ensure that the present invention can be normally implemented, a payment-for-delivery function needs to be activated before the present embodiment is implemented. The user may activate the payment-for-delivery function by scanning the two-dimensional code, which may be scanned by the camera 121 as illustrated in fig. 1. Specifically, a user triggers a payment-generation opening instruction, a payment terminal receives the payment-generation opening instruction, and enters an account input interface according to the payment-generation opening instruction; the user can trigger a scanning instruction on an account input interface, the payment terminal is used for scanning the two-dimensional code or the one-dimensional code generated by the payment terminal, and then the payment terminal obtains the payment account according to the scanning result of the user. After the payment-for-delivery account number is obtained, a user triggers and sends a payment-for-delivery opening request instruction, the payment terminal receives the payment-for-delivery opening request instruction and sends the payment-for-delivery opening request to the server, and therefore the server conducts security verification on the payment-for-delivery opening request. And if the substitute payment opening request passes the security verification of the server, the server sends the substitute payment opening request to a substitute payment terminal, the substitute payment terminal receives the substitute payment opening request passing the security verification, then receives a substitute payment opening agreement instruction triggered by a user, and sends the substitute payment agreement opening instruction to the server. And the server performs the payment-generation and opening function according to the payment-generation and opening request instruction and the payment-agreement and opening instruction, and feeds back information of successful payment-generation and opening to the payment terminal and the payment-generation terminal.

After the payment assistant terminal receives the payment assistant opening request passing the security verification and receives the instruction of agreeing to the payment assistant triggered by the user, the payment assistant terminal can also perform corresponding security setting, such as setting the money amount of single payment assistant, the payment assistant times and the like.

In the specific implementation process, the account number for the payment substitute can be obtained by inputting the account number, and then the payment substitute is opened.

Specifically, the obtaining module 100 may be the controller 180 shown in fig. 1. When the user carries out electronic payment, the payment mode is selected as payment by clicking the payment instead, a payment instead instruction is triggered, and the payment terminal receives the payment instead instruction. The payment terminal can be a mobile terminal, such as a smart phone, and the like, and can also be a fixed terminal, such as a computer, and the like.

After the payment terminal receives a payment instruction triggered by a user, the payment terminal sends an acquisition request for acquiring a payment account to the server, and when the server receives the acquisition request of the payment account, according to a login account in the acquisition request of the payment account sent by the payment terminal, namely a user's own account, a payment account associated with the user's own account is found in pre-stored information, wherein the number of the pre-stored payment account can be one or more. In the embodiment, the payment account associated with the self account is acquired from the server, so that the payment account used by the user can be ensured to be effective, and the safety factor of the transaction can be ensured.

The sending module 200 is configured to encapsulate a payment amount input by a user and a used payment account to a payment request, and send the payment request to a server, so that the server verifies whether the payment amount is within a payment amount range of the payment account and feeds back a verification result.

Specifically, the sending module 200 may be the mobile communication module 112 shown in fig. 1, or may be the wireless internet module 113 shown in fig. 1. When only one pre-stored payment account is available, the user directly clicks the account to select; and when a plurality of pre-stored payment account numbers exist, the user selects one of the pre-stored payment account numbers to pay for the payment. The payment terminal may display a corresponding payment interface, where the payment interface includes a payment amount and a payment destination account, and the payment destination account is a payee, such as a merchant account. The user can input payment amount through the payment interface, the payment terminal packages the payment amount input by the user and the selected payment account for generation into a payment request, the payment request is sent to the server, the server verifies according to the received payment request, specifically, analyzes the payment request, obtains the payment amount and the payment account for generation, and determines whether the payment amount is within the payment amount range of the payment account for generation selected by the user according to the payment amount of the preset payment account for generation. And feeding back a verification result to the payment terminal after verification is finished.

And the payment module 300 is configured to use the payment-under-payment account to pay according to the payment amount input by the user when the received feedback information indicates that the verification is passed.

When the server verifies, the server feeds back verification result information to the verified payment terminal which sends the payment withholding request, if the feedback information is that the verification is passed, the user triggers a payment instruction, and the payment terminal receives the payment instruction and carries out payment according to the payment instruction. Specifically, a user inputs a payment amount, and a payment terminal acquires the payment amount and a payment destination account and performs payment according to the payment amount.

In specific implementation, when a user inputs a payment amount, the user can also input a payment destination account, or the payment destination account is obtained by scanning a two-dimensional code and the like, then the payment destination account, the amount and a payment account are packaged and sent to a server, the server carries out verification according to the amount and the payment account, and when the verification passes, the payment is directly carried out on the payment destination account.

If the feedback information is verification failure, it indicates that the financial payment of the user exceeds the amount of money allowed to be consumed by the payment account, at this time, the payment terminal can display corresponding information according to the received verification failure information, for example, the payment amount exceeds the limit, and please use other payment account or the self account to pay.

The method comprises the steps that a payment withholding account number associated with a user's own account number is obtained from a server according to a payment withholding instruction triggered by the user; packaging payment amount input by a user and a used payment-instead account number into a payment-instead request, and sending the payment-instead request to a server so that the server verifies whether the payment amount is within the payment-instead amount range of the payment-instead account number and feeds back a verification result; and when the received feedback information shows that the verification is passed, the payment is carried out by using the payment account under the condition of the payment amount input by the user. In the mode, the user acquires the corresponding proxy payment account from the server by triggering the proxy payment instruction, then the user selects the proxy payment account used from the pre-stored proxy payment account, the proxy payment account selected by the user and the input payment amount are packaged to the proxy payment request and sent to the server, and the server carries out verification according to the proxy payment account and the payment amount; when the feedback information after the server verification is passed is received, the payment is carried out by using the payment-instead account number, the participation of a payment-instead terminal is not needed, the payment can be carried out by verifying the payment amount and the payment-instead account number by the server, the safe and quick payment can be realized, and the user experience is improved.

With continued reference to fig. 3, based on the first embodiment of the payment apparatus of the present invention, the sending module 200 may further be configured to encapsulate the payment amount and the used proxy payment account number input by the user into a proxy payment request, and send the proxy payment request to the server, so that the server verifies whether the number of times of proxy payment of the account request sending the proxy payment request is within a preset range of the number of times of proxy payment of the proxy payment account number, and feeds back a verification result.

In order to facilitate flexible use of the user, in this embodiment, the user having the generation payment account may limit the generation payment number when the generation payment is activated, or may limit the generation payment number after the generation payment is activated, specifically, the generation payment number may be a total generation payment number, or may be a generation payment number within a preset range, for example, 3 generation payments are performed in total, or 3 generation payments are performed every month. When a user inputs a payment amount to pay, a payment terminal packages the payment amount input by the user and a selected payment-for-delivery account number to a payment-for-delivery request, and sends the payment-for-delivery request to a server, the server verifies the payment amount and the selected payment-for-delivery account number according to the received payment-for-delivery request, specifically, the server records the number of times of each payment, when the payment request is received, the payment request is analyzed, the payment request is verified to be the first time according to the payment account number obtained by analysis, then whether the number of times of the request corresponding to the payment is within a preset payment-for-delivery time range of the payment-for-delivery account number is verified, and if the number of times of the request corresponding to the payment is within the preset payment-for-delivery account number range, information that the verification is passed is fed back to the payment terminal; otherwise, feeding back the information with excessive times of the payment substituting request.

In specific implementation, this embodiment may also be implemented in combination with the first embodiment, specifically, the process of verifying the number of times of the payment due replacement may be verified after verifying that the payment amount is within the range of the payment due replacement amount of the payment due replacement account; or the number of times of the payment generation is verified first, and then the amount of the payment generation is verified. Thus, the user can set the device flexibly.

With continued reference to fig. 3, based on the first embodiment of the payment apparatus of the present invention, the sending module 300 may further be configured to encapsulate the payment amount input by the user and the used proxy payment account into a proxy payment request, and send the proxy payment request to the server, so that the server verifies whether the payment amount is within the single-time proxy payment amount range of the proxy payment account and feeds back a verification result; and sending the payment amount input by the user and the used payment-substituting account to a server so that the server verifies whether the payment amount is in the total payment-substituting amount range of the payment-substituting account within a preset time period and feeds back a verification result.

In order to facilitate flexible use of the user, in this embodiment, the payment amount includes a single payment amount and/or a total payment amount, that is, the user who owns the proxy payment account may limit the single payment amount and/or the total payment amount when the proxy payment is initiated, and of course, may also limit the single payment amount and/or the total payment amount after the proxy payment is initiated.

When the user inputs the payment amount to pay, the payment terminal packages the payment amount input by the user and the selected payment-for-generation account number to a payment-for-generation request, and sends the payment-for-generation request to the server, and the server verifies according to the received payment-for-generation request.

Specifically, the present embodiment includes three embodiments:

the first implementation mode comprises the following steps: when receiving the payment-for-others request, the server determines whether the payment amount is within the single payment-for-others amount range of the account selected by the user according to the payment amount obtained by analyzing the payment-for-others request, and if so, the server can feed back information that the verification is passed to the payment terminal; otherwise, the information that the payment amount exceeds the limit is fed back to the payment terminal.

The second embodiment: the server records the amount of each payment, analyzes the received payment request when receiving the payment request, calculates the paid amount paid by the payment account in a preset time period before the payment request according to the acquired payment account, for example, calculates the paid amount of the payment account in the month, then verifies whether the payment amount corresponding to the payment is in the total payment amount range of the payment account in the preset time period and feeds back a verification result, namely, verifies whether the payment amount corresponding to the payment is smaller than the difference between the total payment amount of the payment account and the paid amount in the preset time period, and if so, feeds back the information that the verification is passed to the payment terminal; otherwise, the payment is fed back to exceed the total payment amount.

The third embodiment is as follows: the embodiment may be based on the combination of the first embodiment and the second embodiment, that is, it may be verified whether the payment amount is within a single amount range, and when the payment amount is within the single payment amount range of the prepaid account, it is verified whether the payment amount is within a total amount range paid by the prepaid account within a preset time, for example, when the payment amount is within the single payment amount range, it is verified whether the monthly prepaid amount exceeds the monthly total prepaid amount set by the prepaid account.

It should be noted that the total payment amount may not be limited by time, that is, when the payment-for-replacement account is set, only the total payment-for-replacement amount is set, and after the total payment-for-replacement amount is requested to be paid for replacement, the payment-for-replacement amount cannot be requested.

Referring to fig. 4, fig. 4 is a block diagram of a payment device according to a second embodiment of the present invention.

Based on the above embodiment of the payment apparatus of the present invention, the payment apparatus may further include:

the generating module 40 is used for receiving a payment instruction triggered by a user and generating a corresponding payment bar code for scanning by a payee;

the receiving module 50 is configured to receive payment amount verification information fed back by the server, where the verification information is information fed back after the server verifies whether the payment amount is within a payment amount range of a payment account when receiving a payment amount and a payment account sent when a payee scans the payment barcode;

the payment module 30 is further configured to use the payment account for payment according to the payment amount if the received feedback information indicates that the payment amount is within the payment amount range of the payment account for pickup.

In order to facilitate the use of the user, the method is not limited to the manual input for payment, in this embodiment, after the user selects the payment account, the user may trigger a payment instruction on the payment interface, the payment terminal generates a corresponding payment barcode according to the payment instruction, and the payee may scan the payment barcode generated by the payment terminal to obtain the account of the payment terminal and the payment account selected by the user. Then the payee sends the received collection amount, the account number of the payment terminal and the payment account number selected by the user to the server, the server verifies according to the received collection amount, the account number of the payment terminal and the payment account number selected by the user, the specific process of the verification comprises the steps of verifying whether the payment amount is in a single payment account number range, whether the payment times are in a preset payment time range of the payment account number, or whether the sum of the historical payment amount and the payment amount is in the total payment time range of the payment account number, and the like, when the verification is passed, the server feeds back the information that the verification is passed to the payment terminal, and the payment terminal completes payment according to the payment amount; if the verification fails, the server feeds back corresponding failure information to the payment terminal, so that a payment terminal user displays corresponding prompt information according to the failure information sent by the server, and the user performs corresponding processing on the payment terminal, such as reselecting a payment account for payment or using an own account for payment.

The invention further provides a payment method.

Referring to fig. 5, fig. 5 is a flowchart illustrating a payment method according to a first embodiment of the present invention.

In this embodiment, the payment method includes:

step S100, obtaining a payment surrogating account related to the user self account from a server according to a payment surrogating instruction triggered by the user;

in order to ensure that the present invention can be normally implemented, a payment-for-delivery function needs to be activated before the present embodiment is implemented. The user opens the payment-for-use function by scanning the two-dimensional code, specifically, the user triggers a payment-for-use opening instruction, the payment terminal receives the payment-for-use opening instruction, and the payment terminal enters an account input interface according to the payment-for-use opening instruction; the user can trigger a scanning instruction on an account input interface, the payment terminal is used for scanning the two-dimensional code or the one-dimensional code generated by the payment terminal, and then the payment terminal obtains the payment account according to the scanning result of the user. After the payment-for-delivery account number is obtained, a user triggers and sends a payment-for-delivery opening request instruction, the payment terminal receives the payment-for-delivery opening request instruction and sends the payment-for-delivery opening request to the server, and therefore the server conducts security verification on the payment-for-delivery opening request. And if the substitute payment opening request passes the security verification of the server, the server sends the substitute payment opening request to a substitute payment terminal, the substitute payment terminal receives the substitute payment opening request passing the security verification, then receives a substitute payment opening agreement instruction triggered by a user, and sends the substitute payment agreement opening instruction to the server. And the server performs the payment-generation and opening function according to the payment-generation and opening request instruction and the payment-agreement and opening instruction, and feeds back information of successful payment-generation and opening to the payment terminal and the payment-generation terminal.

After the payment assistant terminal receives the payment assistant opening request passing the security verification and receives the instruction of agreeing to the payment assistant triggered by the user, the payment assistant terminal can also perform corresponding security setting, such as setting the money amount of single payment assistant, the payment assistant times and the like.

In the specific implementation process, the account number for the payment substitute can be obtained by inputting the account number, and then the payment substitute is opened.

When the user carries out electronic payment, the payment mode is selected as payment by clicking the payment instead, a payment instead instruction is triggered, and the payment terminal receives the payment instead instruction. The payment terminal can be a mobile terminal, such as a smart phone, and the like, and can also be a fixed terminal, such as a computer, and the like.

After the payment terminal receives a payment instruction triggered by a user, the payment terminal sends an acquisition request for acquiring a payment account to the server, and when the server receives the acquisition request of the payment account, according to a login account in the acquisition request of the payment account sent by the payment terminal, namely a user's own account, a payment account associated with the user's own account is found in pre-stored information, wherein the number of the pre-stored payment account can be one or more. In the embodiment, the payment account associated with the self account is acquired from the server, so that the payment account used by the user can be ensured to be effective, and the safety factor of the transaction can be ensured.

Step S200, packaging payment amount input by a user and a used payment account to a payment request, and sending the payment request to a server so that the server verifies whether the payment amount is within the payment limit range of the payment account and feeds back a verification result;

specifically, when only one pre-stored payment account is available, the user directly clicks the account to perform payment for the second time; and when a plurality of pre-stored payment account numbers exist, the user selects one of the pre-stored payment account numbers to pay for the payment. The payment terminal may display a corresponding payment interface, where the payment interface includes a payment amount and a payment destination account, and the payment destination account is a payee, such as a merchant account. The user can input payment amount through the payment interface, the payment terminal packages the payment amount input by the user and the selected payment account for generation into a payment request, the payment request is sent to the server, the server verifies according to the received payment request, specifically, analyzes the payment request, obtains the payment amount and the payment account for generation, and determines whether the payment amount is within the payment amount range of the payment account for generation selected by the user according to the payment amount of the preset payment account for generation. And feeding back a verification result to the payment terminal after verification is finished.

And step S300, when the received feedback information shows that the verification is passed, the payment is carried out by using the payment account number according to the payment amount input by the user.

When the server verifies, the server feeds back verification result information to the verified payment terminal which sends the payment withholding request, if the feedback information is that the verification is passed, the user triggers a payment instruction, and the payment terminal receives the payment instruction and carries out payment according to the payment instruction. Specifically, a user inputs a payment amount, and a payment terminal acquires the payment amount and a payment destination account and performs payment according to the payment amount.

In specific implementation, when a user inputs a payment amount, the user can also input a payment destination account, or the payment destination account is obtained by scanning a two-dimensional code and the like, then the payment destination account, the amount and a payment account are packaged and sent to a server, the server carries out verification according to the amount and the payment account, and when the verification passes, the payment is directly carried out on the payment destination account.

If the feedback information is verification failure, it indicates that the financial payment of the user exceeds the amount of money allowed to be consumed by the payment account, at this time, the payment terminal can display corresponding information according to the received verification failure information, for example, the payment amount exceeds the limit, and please use other payment account or the self account to pay.

The method comprises the steps that a payment withholding account number associated with a user's own account number is obtained from a server according to a payment withholding instruction triggered by the user; packaging payment amount input by a user and a used payment-instead account number into a payment-instead request, and sending the payment-instead request to a server so that the server verifies whether the payment amount is within the payment-instead amount range of the payment-instead account number and feeds back a verification result; and when the received feedback information shows that the verification is passed, the payment is carried out by using the payment account under the condition of the payment amount input by the user. In the mode, the user acquires the corresponding proxy payment account from the server by triggering the proxy payment instruction, then the user selects the proxy payment account used from the pre-stored proxy payment account, the proxy payment account selected by the user and the input payment amount are packaged to the proxy payment request and sent to the server, and the server carries out verification according to the proxy payment account and the payment amount; when the feedback information after the server verification is passed is received, the payment is carried out by using the payment-instead account number, the participation of a payment-instead terminal is not needed, the payment can be carried out by verifying the payment amount and the payment-instead account number by the server, the safe and quick payment can be realized, and the user experience is improved.

Further, referring to fig. 6, fig. 6 is a schematic flow chart of a payment method according to a second embodiment of the present invention.

Based on the first embodiment of the payment method of the present invention, step S200 may include:

step S210, packaging the payment amount input by the user and the used payment account number to a payment account number, and sending the payment account number to the server, so that the server verifies whether the number of times of payment account request payment by credit of the payment account number is within the preset payment account number range of the payment account number and feeds back the verification result.

In order to facilitate flexible use of the user, in this embodiment, the user having the generation payment account may limit the generation payment number when the generation payment is activated, or may limit the generation payment number after the generation payment is activated, specifically, the generation payment number may be a total generation payment number, or may be a generation payment number within a preset range, for example, 3 generation payments are performed in total, or 3 generation payments are performed every month. When a user inputs a payment amount to pay, a payment terminal packages the payment amount input by the user and a selected payment-for-delivery account number to a payment-for-delivery request, and sends the payment-for-delivery request to a server, the server verifies the payment amount and the selected payment-for-delivery account number according to the received payment-for-delivery request, specifically, the server records the number of times of each payment, when the payment request is received, the payment request is analyzed, the payment request is verified to be the first time according to the payment account number obtained by analysis, then whether the number of times of the request corresponding to the payment is within a preset payment-for-delivery time range of the payment-for-delivery account number is verified, and if the number of times of the request corresponding to the payment is within the preset payment-for-delivery account number range, information that the verification is passed is fed back to the payment terminal; otherwise, feeding back the information with excessive times of the payment substituting request.

In specific implementation, this embodiment may also be implemented in combination with the first embodiment, specifically, the process of verifying the number of times of the payment due replacement may be verified after verifying that the payment amount is within the range of the payment due replacement amount of the payment due replacement account; or the number of times of the payment generation is verified first, and then the amount of the payment generation is verified. Thus, the user can set the device flexibly.

Further, referring to fig. 7, fig. 7 is a schematic flow chart of a payment method according to a third embodiment of the present invention.

Based on the first embodiment of the payment method of the present invention, the step S200 may further include:

step S220, packaging the payment amount input by the user and the used payment account to a payment request, and sending the payment request to a server, so that the server verifies whether the payment amount is within the single payment amount range of the payment account and feeds back a verification result.

Step S230, sending the payment amount input by the user and the used proxy payment account to the server, so that the server verifies whether the payment amount is within the total proxy payment amount range of the proxy payment account within a preset time period and feeds back a verification result.

In order to facilitate flexible use of the user, in this embodiment, the payment amount includes a single payment amount and/or a total payment amount, that is, the user who owns the proxy payment account may limit the single payment amount and/or the total payment amount when the proxy payment is initiated, and of course, may also limit the single payment amount and/or the total payment amount after the proxy payment is initiated.

When the user inputs the payment amount to pay, the payment terminal packages the payment amount input by the user and the selected payment-for-generation account number to a payment-for-generation request, and sends the payment-for-generation request to the server, and the server verifies according to the received payment-for-generation request.

Specifically, the present embodiment includes three embodiments:

the first implementation mode comprises the following steps: when receiving the payment-for-others request, the server determines whether the payment amount is within the single payment-for-others amount range of the account selected by the user according to the payment amount obtained by analyzing the payment-for-others request, and if so, the server can feed back information that the verification is passed to the payment terminal; otherwise, the information that the payment amount exceeds the limit is fed back to the payment terminal.

The second embodiment: the server records the amount of each payment, analyzes the received payment request when receiving the payment request, calculates the paid amount paid by the payment account in a preset time period before the payment request according to the acquired payment account, for example, calculates the paid amount of the payment account in the month, then verifies whether the payment amount corresponding to the payment is in the total payment amount range of the payment account in the preset time period and feeds back a verification result, namely, verifies whether the payment amount corresponding to the payment is smaller than the difference between the total payment amount of the payment account and the paid amount in the preset time period, and if so, feeds back the information that the verification is passed to the payment terminal; otherwise, the payment is fed back to exceed the total payment amount.

The third embodiment is as follows: the embodiment may be based on the combination of the first embodiment and the second embodiment, that is, it may be verified whether the payment amount is within a single amount range, and when the payment amount is within the single payment amount range of the prepaid account, it is verified whether the payment amount is within a total amount range paid by the prepaid account within a preset time, for example, when the payment amount is within the single payment amount range, it is verified whether the monthly prepaid amount exceeds the monthly total prepaid amount set by the prepaid account.

It should be noted that the total payment amount may not be limited by time, that is, when the payment-for-replacement account is set, only the total payment-for-replacement amount is set, and after the total payment-for-replacement amount is requested to be paid for replacement, the payment-for-replacement amount cannot be requested.

Referring to fig. 8, fig. 8 is a flowchart illustrating a payment method according to a third embodiment of the present invention.

Based on the first embodiment of the payment method of the present invention, the method may further include:

step S400, receiving a payment instruction triggered by a user, and generating a corresponding payment bar code for scanning by a payee;

step S500, receiving payment amount verification information fed back by the server, wherein the verification information is information fed back after the server verifies whether the payment amount is within the payment amount range of the payment account when receiving the payment amount and the payment account number sent when a payee scans the payment bar code;

and step S600, if the received feedback information indicates that the payment amount is within the payment amount range of the payment account, the payment is carried out by using the payment account according to the payment amount.

In order to facilitate the use of the user, the method is not limited to the manual input for payment, in this embodiment, after the user selects the payment account, the user may trigger a payment instruction on the payment interface, the payment terminal generates a corresponding payment barcode according to the payment instruction, and the payee may scan the payment barcode generated by the payment terminal to obtain the account of the payment terminal and the payment account selected by the user. Then the payee sends the received collection amount, the account number of the payment terminal and the payment account number selected by the user to the server, the server verifies according to the received collection amount, the account number of the payment terminal and the payment account number selected by the user, the specific process of the verification comprises the steps of verifying whether the payment amount is in a single payment account number range, whether the payment times are in a preset payment time range of the payment account number, or whether the sum of the historical payment amount and the payment amount is in the total payment time range of the payment account number, and the like, when the verification is passed, the server feeds back the information that the verification is passed to the payment terminal, and the payment terminal completes payment according to the payment amount; if the verification fails, the server feeds back corresponding failure information to the payment terminal, so that a payment terminal user displays corresponding prompt information according to the failure information sent by the server, and the user performs corresponding processing on the payment terminal, such as reselecting a payment account for payment or using an own account for payment.

Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal device (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.

The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.

Claims (10)

1. A payment device, the device comprising:

the obtaining module is used for obtaining a payment withholding account related to the user self account from the server according to a payment withholding instruction triggered by the user;

the sending module is used for packaging the payment amount input by the user and the used payment account to a payment request, and sending the payment request to the server so that the server verifies whether the payment amount is in the payment amount range of the payment account and feeds back a verification result;

the payment module is used for carrying out payment by using the payment account number according to the payment amount input by the user when the received feedback information shows that the verification is passed, so that the payment can be carried out without the participation of a payment terminal after the user triggers a payment instruction;

the obtaining module is specifically configured to send an obtaining request for obtaining a payment account to a server according to a payment instruction triggered by a user, so that the server obtains the user's own account in the obtaining request, and searches a payment account associated with the user's own account from preset storage information;

the function opening module is used for sending a payment-for-delivery opening request instruction according to the triggering of a user of the payment terminal, receiving and sending the payment-for-delivery opening request to the server so that the server can carry out safety verification on the payment-for-delivery opening request, receiving a payment-for-delivery approval opening instruction triggered by the user of the payment-for-delivery terminal if the payment-for-delivery opening request passes the safety verification of the server, and sending the payment-for-delivery approval opening instruction to the server so that the server can carry out the payment-for-delivery opening function according to the payment-for-delivery opening request instruction and the payment-for-approval opening instruction.

2. The apparatus of claim 1, wherein the sending module is further configured to encapsulate a payment amount input by a user and a used proxy payment account into a proxy payment request, and send the proxy payment request to the server, so that the server verifies whether the number of times of proxy payment of an account request for sending the proxy payment request is within a preset proxy payment number range of the proxy payment account and feeds back a verification result.

3. The device of claim 1, wherein the payment amount comprises a single payment amount, and the sending module is further configured to encapsulate a payment amount input by the user and the used proxy payment account into a proxy payment request, and send the proxy payment request to the server, so that the server verifies whether the payment amount is within the single proxy payment amount range of the proxy payment account and feeds back a verification result.

4. The device of claim 3, wherein the payment amount further includes a total payment amount, and the sending module is further configured to send the payment amount input by the user and the used proxy payment account to the server, so that the server verifies whether the payment amount is within the total proxy payment amount within a preset time period of the proxy payment account and feeds back a verification result.

5. The apparatus of claim 1, wherein the apparatus further comprises:

the generating module is used for receiving a payment instruction triggered by a user and generating a corresponding payment bar code for scanning by a payee;

the receiving module is used for receiving payment amount verification information fed back by the server, wherein the verification information is information fed back after the server verifies whether the payment amount is within the payment account range of the payment account when receiving the payment amount and the payment account number sent by a payee when scanning the payment bar code;

and the payment module is also used for paying by using the payment account according to the payment amount if the received feedback information indicates that the payment amount is within the payment account range of the payment account.

6. A payment method, characterized in that it comprises the steps of:

obtaining a payment surrogating account related to the user self account from a server according to a payment surrogating instruction triggered by the user;

packaging payment amount input by a user and a used payment-instead account number into a payment-instead request, and sending the payment-instead request to a server so that the server verifies whether the payment amount is within the payment-instead amount range of the payment-instead account number and feeds back a verification result;

when the received feedback information shows that the verification is passed, the payment is carried out by using the payment account number according to the payment amount input by the user, so that the payment can be carried out without the participation of a payment terminal after the user triggers a payment instruction;

the step of obtaining a payment account associated with the user's own account from the server according to a payment instruction triggered by the user includes:

sending an acquisition request for acquiring a payment account to a server according to a payment instruction triggered by a user, so that the server acquires the user self account in the acquisition request and searches a payment account associated with the user self account from preset storage information;

before the step of obtaining a payment account associated with the user's own account from a server according to a payment instruction triggered by the user, the method comprises the following steps:

sending a depayment opening request instruction according to the triggering of a user of a payment terminal, receiving and sending the depayment opening request to a server so as to enable the server to carry out safety verification on the depayment opening request, receiving a depayment opening approval instruction triggered by the user of the depayment terminal if the depayment opening request passes the safety verification of the server, and sending the depayment approval opening instruction to the server so as to enable the server to carry out a depayment opening function according to the depayment opening request instruction and the depayment approval opening instruction.

7. The method as claimed in claim 6, wherein the step of encapsulating the payment amount input by the user and the used proxy payment account into a proxy payment request and sending the proxy payment request to the server so that the server verifies whether the payment amount is within the range of the proxy payment amount of the proxy payment account and feeds back the verification result comprises:

packaging the payment amount input by the user and the used payment-for-delivery account number to a payment-for-delivery request, and sending the payment-for-delivery request to a server, so that the server verifies whether the number of times of payment-for-delivery of the account request sending the payment-for-delivery request is within a preset payment-for-delivery number range of the payment-for-delivery account number and feeds back a verification result.

8. The method of claim 6, wherein the payment amount comprises a single payment amount, and the step of encapsulating the payment amount input by the user and the used proxy payment account into a proxy payment request and sending the proxy payment request to the server so that the server verifies whether the payment amount is within the range of the proxy payment amount of the proxy payment account and feeds back a verification result comprises the steps of:

packaging the payment amount input by the user and the used payment account to a payment request, and sending the payment request to a server, so that the server verifies whether the payment amount is within the single payment amount range of the payment account and feeds back a verification result.

9. The method of claim 8, wherein the payment amount further includes a total payment amount, the step of sending the payment amount input by the user and the used proxy payment account to the server so that the server verifies whether the payment amount is within the range of the proxy payment amount of the proxy payment account and feeds back the verification result further comprises:

and sending the payment amount input by the user and the used payment-substituting account to a server so that the server verifies whether the payment amount is in the total payment-substituting amount range of the payment-substituting account within a preset time period and feeds back a verification result.

10. The method of claim 6, wherein the step of obtaining a proxy payment account associated with the user's own account from the server instruction according to the user-triggered proxy payment instruction further comprises:

receiving a payment instruction triggered by a user and generating a corresponding payment bar code for scanning by a payee;

receiving payment amount verification information fed back by the server, wherein the verification information is information fed back after the server verifies whether the payment amount is within the payment amount range of the payment account when receiving the payment amount and the payment account number sent when a payee scans the payment bar code;

and if the received feedback information indicates that the payment amount is within the payment amount range of the payment account, the payment is carried out by using the payment account according to the payment amount.

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