Payment collection device and method and apparatus

Abstract

Systems, methods, and storage media for payment collection are disclosed. An example method comprises: obtaining, at a code scanner, payment account information comprised in a payment code of a purchasing user by scanning the payment code; sending, at the code scanner, the payment account information to a processor; determining, at the processor, a payment amount due, to construct a payment request comprising the payment amount due, the payment account information, and the device identifier; sending, at the processor, the payment request to a communication module; and sending, at the communication module, the payment request to the target server for the target server to, according to the payment request, deduct the payment amount due from a payment account of the purchasing user corresponding to the payment account information, and add the payment amount due to the payment receiving account corresponding to the device identifier.

What is claimed is: 
     
         1 . A server, comprising:
 a processor; and   a non-transitory computer-readable storage medium storing instructions executable by the processor to cause the server to perform operations comprising:
 receiving, from a point of sale (POS) payment collection device, a device binding request comprising payment receiving account information corresponding to a payment receiving account of a seller, and a device identifier of the POS payment collection device; 
 establishing, based on the device binding request, an association relationship between the device identifier and the payment receiving account information; 
 storing the association relationship; 
 receiving, from the POS payment collection device, a payment request comprising a payment amount due, payment account information of a purchasing user, and the device identifier; 
 deducting, according to the payment request, the payment amount due from a payment account of the purchasing user corresponding to the payment account information; and 
 adding, according to the payment request, the payment amount due to the payment receiving account information corresponding to the device identifier received with the payment request. 
   
     
     
         2 . The server of  claim 1 , wherein the operations further comprise:
 prior to adding the payment amount due to the payment receiving account information corresponding to the device identifier received with the payment request, determining, according to the stored association relationship, the payment receiving account information corresponding to the device identifier received with the payment request.   
     
     
         3 . The server of  claim 1 , wherein the operations further comprise:
 receiving, from the POS payment collection device, a merchandise price query request comprising merchandise information of a merchandise purchased with the payment amount; and   in response to receiving the merchandise price query request, transmitting, to the POS payment collection device, a merchandise price corresponding to the merchandise information.   
     
     
         4 . The server of  claim 1 , wherein the operations further comprise:
 generating, according to the payment request, a payment record identification code, the payment record identification code comprising a payment record identifier of a payment record; and   issuing the payment record identification code to a client installed on a device of the purchasing user, the client corresponding to the server.   
     
     
         5 . The server of  claim 4 , wherein the operations further comprise:
 receiving, from the POS payment collection device, a refund request comprising the payment record identifier obtained from the payment record identification code;   determining according to the refund request, the payment receiving account, the payment account, and the payment amount due in the payment record corresponding to the payment record identifier;   deducting, according to the refund request, the payment amount due from the payment receiving account; and   adding, according to the refund request, the payment amount due to the payment account.   
     
     
         6 . The server of  claim 4 , wherein the operations further comprise:
 receiving, from the POS payment collection device, a payment record query request comprising the payment record identifier; and   returning, according to the payment record query request, the payment record corresponding to the payment record identifier.   
     
     
         7 . The server of  claim 1 , wherein:
 the payment request is encrypted by the POS payment collection device; and   the operations further comprise: decrypting the payment request.   
     
     
         8 . The server of  claim 1 , wherein:
 the payment request includes a signature generated by the POS payment collection device signing the payment request using a private key of the POS payment collection device; and   the operations further comprise:
 verifying, based on a public key of the POS payment collection device, the signature; and 
 determining, based on verifying the signature, the payment request was sent by a registered POS payment collection device. 
   
     
     
         9 . The server of  claim 1 , wherein the operations further comprise:
 receiving a device unbinding instruction sent by a client installed on a device corresponding to the seller, the client corresponding to the server; and   deleting the stored association relationship according to the device unbinding instruction.   
     
     
         10 . The server of  claim 1 , wherein:
 the payment receiving account information in the device binding request is obtained by the POS payment collection device scanning a configuration code of the seller;   the configuration code is generated by a first client installed on a device of the seller, the first client corresponding to the server;   the payment account information of the purchasing user in the payment request is obtained by the POS payment collection device scanning a payment code of the purchasing user; and   the payment code is generated by a second client installed on a device of the purchasing user, the second client corresponding to the server.   
     
     
         11 . A method, comprising:
 receiving, at a server, from a point of sale (POS) payment collection device, a device binding request comprising payment receiving account information corresponding to a payment receiving account of a seller, and a device identifier of the POS payment collection device;   establishing, at the server, based on the device binding request, an association relationship between the device identifier and the payment receiving account information;   storing, at the server, the association relationship;   receiving, at the server, from the POS payment collection device, a payment request comprising a payment amount due, payment account information of a purchasing user, and the device identifier;   deducting, at the server, according to the payment request, the payment amount due from a payment account of the purchasing user corresponding to the payment account information; and   adding, at the server, according to the payment request, the payment amount due to the payment receiving account information corresponding to the device identifier received with the payment request.   
     
     
         12 . The method of  claim 11 , further comprising:
 prior to adding the payment amount due to the payment receiving account information corresponding to the device identifier received with the payment request, determining, at the server, according to the stored association relationship, the payment receiving account information corresponding to the device identifier received with the payment request.   
     
     
         13 . The method of  claim 11 , further comprising:
 receiving, at the server, from the POS payment collection device, a merchandise price query request from the POS payment collection device, the merchandise price query request comprising merchandise information of a merchandise purchased with the payment amount; and   in response to receiving the merchandise price query request, transmitting, from the server to the POS payment collection device, a merchandise price corresponding to the merchandise information.   
     
     
         14 . The method of  claim 11 , further comprising:
 generating, at the server, according to the payment request, a payment record identification code, the payment record identification code comprising a payment record identifier of a payment record; and   issuing the payment record identification code from the server to a client installed on a device of the purchasing user, the client corresponding to the server.   
     
     
         15 . The method of  claim 14 , further comprising:
 receiving, at the server, from the POS payment collection device, a refund request comprising the payment record identifier obtained from the payment record identification code;   determining, at the server, according to the refund request, the payment receiving account, the payment account, and the payment amount due in the payment record corresponding to the payment record identifier;   deducting, at the server, according to the refund request, the payment amount due from the payment receiving account; and   adding, at the server, according to the refund request, the payment amount due to the payment account.   
     
     
         16 . The method of  claim 14 , further comprising:
 receiving, at the server, from the POS payment collection device, a payment record query request comprising the payment record identifier; and   returning, by the server, to the POS payment collection device, according to the payment record query request, the payment record corresponding to the payment record identifier.   
     
     
         17 . The method of  claim 11 , wherein:
 the payment request includes a signature generated by the POS payment collection device signing the payment request using a private key of the POS payment collection device; and   the method further comprises:
 verifying, at the server, based on a public key of the POS payment collection device, the signature; and 
 determining, at the server, based on verifying the signature, the payment request was sent by a registered POS payment collection device. 
   
     
     
         18 . The method of  claim 11 , further comprising:
 receiving, at the server, a device unbinding instruction sent by a client installed on a device corresponding to the seller, the client corresponding to the server; and   deleting, at the server, the stored association relationship according to the device unbinding instruction.   
     
     
         19 . The method of  claim 11 , wherein:
 the payment receiving account information in the device binding request is obtained by the POS payment collection device scanning a configuration code of the seller;   the configuration code is generated by a first client installed on a device of the seller, the first client corresponding to the server;   the payment account information of the purchasing user in the payment request is obtained by the POS payment collection device scanning a payment code of the purchasing user; and   the payment code is generated by a second client installed on a device of the purchasing user, the second client corresponding to the server.   
     
     
         20 . A non-transitory computer-readable storage medium storing instructions executable by a processor to cause a server to perform operations comprising:
 receiving, from a point of sale (POS) payment collection device, a device binding request comprising payment receiving account information corresponding to a payment receiving account of a seller, and a device identifier of the POS payment collection device;   establishing, based on the device binding request, an association relationship between the device identifier and the payment receiving account information;   storing the association relationship;   receiving, from the POS payment collection device, a payment request comprising a payment amount due, payment account information of a purchasing user, and the device identifier;   deducting, according to the payment request, the payment amount due from a payment account of the purchasing user corresponding to the payment account information; and   adding, according to the payment request, the payment amount due to the payment receiving account information corresponding to the device identifier received with the payment request.