CN109118235A - Method of payment, device, electronic equipment and storage medium - Google Patents
Method of payment, device, electronic equipment and storage medium Download PDFInfo
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- CN109118235A CN109118235A CN201810848285.2A CN201810848285A CN109118235A CN 109118235 A CN109118235 A CN 109118235A CN 201810848285 A CN201810848285 A CN 201810848285A CN 109118235 A CN109118235 A CN 109118235A
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- Prior art keywords
- payment
- range
- default
- default date
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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
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
Abstract
The embodiment of the present disclosure discloses a kind of method of payment, device, electronic equipment and storage medium.Wherein, this method comprises: obtaining multiple means of payment；Determining and the means of payment associated default date and permitted payment range；At least two means of payment are selected to pay current transaction from the multiple means of payment according to the default date and the payment range.
Description
Technical field
This disclosure relates to Internet technical field, and in particular to a kind of method of payment, device, electronic equipment and storage are situated between
Matter.
Background technique
With the development of internet technology, people increasingly get used to using electronic payment mode.The same user's can
It selects there are many electronic payment mode possibility, such as the corresponding different means of payment of different credits card, different deposit cards are corresponding not
The same means of payment, other third party's quick payment mode (ant flower in such as Alipay, Jingdone district informal voucher of Jingdone district payment
Deng).Credit card is 2.9 in the quantity that possesses per capita of American credit card, in as one of most popular means of payment now
The case where state a, user possesses multiple credits card, is also commonplace.Since the different means of payment may have some differences
Limitation, such as pay amount limitation and time restriction, such as credit card have payment amount limitation, deposit card surplus payment limit
System, third party's quick payment mode define payment amount also based on user credit situation；And time restriction is for example including credit
Card, repayment date of third party's quick payment etc., payment amount used by a user can free of interest before repayment date.
However, inventor has found that the prior art is at least deposited during realizing embodiment of the present disclosure related art scheme
In following problems: in current e-payment, user needs oneself one such means of payment to be selected to pay, once institute
When the means of payment of selection is due to paying unsuccessful beyond payment limitation, the lower means of payment of manual switching is needed, causes to use
Family experience is poor.
Summary of the invention
For above-mentioned technical problem in the prior art, the embodiment of the present disclosure proposes a kind of method of payment, device, electronics
Equipment and storage medium are paid with solving the problems, such as to need user to manually select the suitable means of payment.
The first aspect of the embodiment of the present disclosure provides a kind of method of payment, comprising:
Obtain multiple means of payment；
Determining and the means of payment associated default date and permitted payment range；
At least two payments are selected from the multiple means of payment according to the default date and the payment range
Mode pays current transaction.
It is in some embodiments, described to obtain multiple means of payment, comprising:
Determine multiple means of payment that the user currently to trade possesses；
Obtain the corresponding account information of the multiple means of payment.
In some embodiments, it is selected from the multiple means of payment according to the default date and the payment range
At least two means of payment are selected to pay current transaction, comprising:
According to the default date from as far as the payment sequence for closely determining the means of payment；
Two means of payment are at least chosen according to the payment sequence, and in the premise without departing from the payment range
Under the current transaction is paid.
In some embodiments, two means of payment are at least chosen according to the payment sequence, and without departing from institute
The current transaction is paid under the premise of stating payment range, comprising:
The preceding means of payment of preferential selection sequence is worked as described in paying under the premise of without departing from the payment range
The partial amount of preceding transaction, and paid under the premise of without departing from the payment range using the posterior means of payment that sorts
The residual amount currently traded.
In some embodiments, it is described according to the default date from as far as closely determine the means of payment payment it is suitable
Sequence, comprising:
There are default date of at least two means of payment it is identical when, determine the comprehensive of at least two means of payment
Close scoring；
The payment sequence of at least two means of payment is determined according to the comprehensive score.
In some embodiments, there are default date of at least two means of payment it is identical when, determine it is described at least
The comprehensive score of two means of payment, comprising:
The comprehensive score of the means of payment is determined based on the default influence factor and its weight of the means of payment；Its
In, the default influence factor is included at least with the next item down: user preference factor, integral ratio and the member of the means of payment
Income.
In some embodiments, the default date is the interest-free phase of the means of payment；The payment range is described
The available payment amount of the means of payment.
The second aspect of the embodiment of the present disclosure provides a kind of payment mechanism, comprising:
Module is obtained, is configured as obtaining multiple means of payment；
Determining module is configured to determine that and the means of payment associated default date and permitted payment model
It encloses；
Selecting module is configured as according to the default date and the payment range from the multiple means of payment
At least two means of payment are selected to pay current transaction.
In some embodiments, the acquisition module, comprising:
First determines submodule, is configured to determine that multiple means of payment that the user currently to trade possesses；
Acquisition submodule is configured as obtaining the corresponding account information of the multiple means of payment.
In some embodiments, the selecting module, comprising:
Second determines submodule, is configured as according to the default date from as far as the payment for closely determining the means of payment
Sequentially；
First payment submodule is configured as at least choosing two means of payment according to the payment sequence, and
The current transaction is paid under the premise of without departing from the payment range.
In some embodiments, the first payment submodule, comprising:
Second payment submodule is configured as preferentially choosing the preceding means of payment that sorts without departing from the payment
The partial amount currently traded is paid under the premise of range, and using the posterior means of payment that sorts without departing from institute
The residual amount currently traded is paid under the premise of stating payment range.
In some embodiments, described second submodule is determined, comprising:
Third determines submodule, be configured as there are default date of at least two means of payment it is identical when, determine
The comprehensive score of at least two means of payment；
4th determines submodule, be configured as determining at least two means of payment according to the comprehensive score described in
Payment sequence.
In some embodiments, the third determines submodule, comprising:
5th determination submodule, is configured as described in default influence factor and its weight determination based on the means of payment
The comprehensive score of the means of payment；Wherein, the default influence factor is included at least with the next item down: the user of the means of payment is inclined
Good factor, integral ratio and member's income.
In some embodiments, the default date is the interest-free phase of the means of payment；The payment range is described
The available payment amount of the means of payment.
The third aspect of the embodiment of the present disclosure provides a kind of electronic equipment, comprising:
Memory and one or more processors；
Wherein, the memory is connect with one or more of processor communications, and being stored in the memory can quilt
The instruction that one or more of processors execute, when described instruction is executed by one or more of processors, the electronics
Equipment is for realizing the method as described in foregoing embodiments.
The fourth aspect of the embodiment of the present disclosure provides a kind of computer readable storage medium, and being stored thereon with computer can
It executes instruction, when the computer executable instructions are executed by a computing apparatus, can be used to realize as described in foregoing embodiments
Method.
5th aspect of the embodiment of the present disclosure provides a kind of computer program product, and the computer program product includes
The computer program being stored on computer readable storage medium, the computer program include program instruction, work as described program
When instruction is computer-executed, it can be used to realize the method as described in foregoing embodiments.
The embodiment of the present disclosure by obtaining multiple means of payment, and determines default day associated with multiple means of payment
Phase and permitted payment range, so according to the default date and payment range selected from the multiple means of payment to
Few two pay current transaction.In this way, can according to the default date associated with the means of payment and
Permitted payment range selects the suitable means of payment, and at least two kinds of means of payment is selected to be combined payment, can
Optimal combined payment mode is selected for user, the process that user manually selects the means of payment is eliminated, improves single payment
Maximum amount, avoid generation and pay unsuccessful situation, improve user experience.
Detailed description of the invention
The feature and advantage of the disclosure can be more clearly understood by reference to attached drawing, attached drawing is schematically without that should manage
Solution is carries out any restrictions to the disclosure, in the accompanying drawings:
Fig. 1 is a kind of flow diagram of method of payment according to shown in some embodiments of the present disclosure；
Fig. 2 is the flow diagram of step S101 in embodiment according to Fig. 1；
Fig. 3 is the flow diagram of step S103 in embodiment according to Fig. 1；
Fig. 4 is the flow diagram of step S301 in embodiment according to Fig.3,；
Fig. 5 is a kind of structural block diagram of payment mechanism according to shown in some embodiments of the present disclosure；
Fig. 6 is adapted for the structural representation for realizing the electronic equipment of the method for payment according to one embodiment of the disclosure
Figure.
Specific embodiment
In the following detailed description, many details of the disclosure are elaborated by example, in order to provide to correlation
The thorough understanding of disclosure.However, for those of ordinary skill in the art, the disclosure can obviously not have this
Implement in the case where a little details.It should be understood that using " system ", " device ", " unit " and/or " module " art in the disclosure
Language is for distinguishing in the sequence arrangement different components of different stage, element, part or a kind of method of component.However, such as
Identical purpose may be implemented in other expression formulas of fruit, these terms can be replaced by other expression formulas.
It should be understood that when equipment, unit or module be referred to as " ... on ", " being connected to " or " being coupled to " it is another
When equipment, unit or module, can directly in another equipment, unit or module, be connected or coupled to or with other equipment,
Unit or module communication, or may exist intermediate equipment, unit or module, unless context clearly prompts exceptional situation.Example
Such as, term "and/or" used in the disclosure includes any one and all combinations of entry listed by one or more correlations.
Term used in the disclosure limits disclosure range only for describing specific embodiment.Such as present disclosure specification
With shown in claims, unless context clearly prompts exceptional situation, " one ", "one", the words such as "an" and/or "the"
Odd number is not refered in particular to, may also comprise plural number.It is, in general, that term " includes " and "comprising" only prompt to include the spy clearly identified
Sign, entirety, step, operation, element and/or component, and such statement do not constitute one it is exclusive enumerate, other features,
Including entirety, step, operation, element and/or component also may include.
Referring to the following description and the annexed drawings, these or other feature and feature, operating method, the phase of structure of the disclosure
Function, the combination of part and the economy of manufacture for closing element can be better understood, and wherein description and accompanying drawings form
Part of specification.It is to be expressly understood, however, that attached drawing is used only as the purpose of illustration and description, it is not intended to limit this
Disclosed protection scope.It is understood that attached drawing is not necessarily drawn to scale.
Various structures figure has been used to be used to illustrate various modifications according to an embodiment of the present disclosure in the disclosure.It should be understood that
, before or following structure be not for limiting the disclosure.The protection scope of the disclosure is subject to claim.
Fig. 1 is the method for payment schematic diagram according to shown in some embodiments of the present disclosure.In some embodiments, the branch
The method of paying is executed by terminal device.As shown in Figure 1, the method for payment the following steps are included:
S101 obtains multiple means of payment.
Specifically, it is paid in the case where user opens Third-party payment platform progress line or user passes through the network platform and buys
Commodity and go to Third-party payment platform and carry out on line when paying, according to the method for payment of the present embodiment, first obtain user and propping up
Multiple means of payment on platform are paid, such as the bank card quick payment of binding, the branch that Unionpay pays, third party provides are paid a bill
Family, e-Bank payment etc..Third-party payment platform is to be taken the lead in releasing at home by Alipay, and feature is embodied in " fast ".With generation
Detain it is similar, be essentially all user, trade company's (including Third-party payment platform), bank tripartite signing, trade company after contracting successfully
Money can be drawn from the bank card that user contracts.
The use step of Third-party payment platform includes:
1. being registered as member in trade company's platform (or simple Third-party payment platform, such as wechat payment platform)；
2. providing personal and bank card information to trade company's platform to carry out tying up card (bank's card number, name in an account book, identification card number, mobile phone
Number etc. also known as authenticates four elements, may be increased and decreased according to the difference of bank, for example can increase bank paying code authentication)；
3. paid, it need to only pass through the subscriber authentication (payment cipher and/or hand of trade company's platform of trade company's platform
Machine dynamic password etc.), payment can be completed.)
In Third-party payment platform, e-Bank payment needs to jump to the payment page of bank, and Unionpay's payment needs to jump
To the payment page of Unionpay.The payment account that third party provides be the flower that provides of similar Alipay, Jingdone district the capital provided is provided
The means of payment such as eastern informal voucher.
Payment scene is divided into online and offline: need to jump to Third-party payment platform on line, such as in Jingdone district website or
It is paid on app, wechat payment (or Jingdone district payment platform) can be jumped to.Under line can by two dimensional code (barcode scanning or
Swept) mode paid.At present when being swept, user is to need to specify a kind of means of payment and generate corresponding two dimension
Yard, after barcode scanning equipment barcode scanning, request of withholing will be initiated to the specified means of payment of Third-party payment platform.
S102, determining and the means of payment associated default date and permitted payment range.
Specifically, bank card corresponding default date or other thirds be can be with the means of payment associated default date
The square quick payment mode corresponding default date.The default date can be the date of the bank of deposit or third party's setting, example
Such as the credit card corresponding interest-free phase, other third party's quick payment accounts (such as informal voucher, flower) corresponding last refund date
Deng.Permitted payment range, which can be current residual, must pay amount, since credit card, third party's quick payment account have
Pay amount limitation, and deposit card then must surplus just can be carried out payment, therefore can be before selecting the means of payment, determination
The means of payment is to deserved default date and permitted payment range.The means of payment corresponding default date and permitted branch
Range is paid in the case where user authorizes, can be obtained from the bank card account of user or third party's quick payment account
It takes, can also be inputted when Third-party payment platform binds the means of payment by user by user.
For example, when the default date is the interest-free phase, Third-party payment platform can be according to current trading day phase, the means of payment
Bill day and last repayment date etc. determine that bill day and last repayment date can be user's offer when binding the means of payment
, it is also possible in the case where user authorizes, provides what interface obtained automatically by bank card or third party's quick payment.?
The permitted payment of the means of payment may range from the maximum dollar amount that can currently pay in current transaction, there is several influence factors,
Include:
A. various payment amounts (single pays amount, and the same day (residue) pays amount).Some are fixed and invariable disclosure
Information, such as single pay amount, as long as determining that credit card issuer and the means of payment (quick payment or e-Bank payment) are true
It is fixed；Some are dynamic, for example same day residue pays amount, it may be necessary to third-party platform query interface is given in bank's opening, this
If third-party platform query interface is not given in opening for outer bank, Third-party payment platform can also be authorized to read by user and used
The Transaction Information of family transaction short message or bank's wechat public platform, then pass through Transaction Information and calculate same day residue payment amount；
B. remaining sum (i.e. remaining amount).It is equally possible that bank's opening is needed to give Third-party payment platform query interface；It is another
Aspect can also authorize Third-party payment platform to read the transaction letter of customer transaction short message or bank's wechat public platform by user
Breath, to obtain balance information.
S103 selects at least two from the multiple means of payment according to the default date and the payment range
The means of payment pays current transaction.
Specifically, the method for payment that the disclosure proposes at least selects two kinds of means of payment to current from multiple means of payment
Transaction is combined payment, and current transaction is split at least two parts, uses the group of two or more means of payment
Close payment, so not only can balanced every kind of means of payment frequency of use, can also increase workable for user pays every time
Maximum payment amount.The current means of payment trades for one, a kind of means of payment is substantially only supported, if a kind of payment
When the corresponding payment amount of mode is not enough to pay the full amount currently traded, it is necessary to change other means of payment into, and if
In special circumstances, when the payment amount currently traded is larger, if the available payment amount of every kind of means of payment of user is not
When enough paying the amount of money, it will lead to user and be unable to complete current transaction, particularly with online trading, user can not split and place an order
In the case where, with regard to that can not solve the problems, such as this, reduce user experience.And the disclosure can be avoided by way of combined payment
Such case occurs.Meanwhile the disclosure is closed using the means of payment corresponding default date and the selection of permitted payment range
Suitable combined payment mode not only eliminates the process that user manually selects the means of payment, improves the payment amount of single, also
The failure rate of payment is reduced, can most importantly allow user's selection wherein two or more most suitable payer
Formula payment, improves user experience.
The embodiment of the present disclosure by obtaining multiple means of payment, and determines default day associated with multiple means of payment
Phase and permitted payment range, so according to the default date and payment range selected from the multiple means of payment to
Few two pay current transaction.In this way, can according to the default date associated with the means of payment and
Permitted payment range selects the suitable means of payment, and at least two kinds of means of payment is selected to be combined payment, can
Optimal combined payment mode is selected for user, the process that user manually selects the means of payment is eliminated, improves single payment
Maximum amount, avoid generation and pay unsuccessful situation, improve user experience.
In some alternative embodiments, as shown in Fig. 2, step S101 may include:
S201 determines multiple means of payment that the user currently to trade possesses；
S202 obtains the corresponding account information of the multiple means of payment.
It, can be according to the third party of user's opening when user pays on line or under line in the optional embodiment
Payment platform determines that multiple means of payment that user is possessed in Third-party payment platform, such as the bank card of binding are fast propped up
It pays, the quick payment account that Unionpay's payment, third party provide, e-Bank payment etc..Current transaction is if it is online trading, Ke Yitong
It crosses on user's line and buys user information associated by the account of commodity and determine multiple means of payment that user is possessed, and if it is
Off-line transaction can then determine multiple means of payment that user is possessed according to the Third-party payment platform that user opens.True
After having determined multiple means of payment that user possesses, the account information of available multiple means of payment.The corresponding account of the means of payment
Family information may include account issuers (such as bank, third party), bill day, repayment date, remaining sum, (the single payment of payment amount
Amount, the same day/this month remaining payment amount etc.) etc..The means of payment corresponding default date is determined further according to account information later
With permitted payment range.In some embodiments, the default date can be the interest-free phase of the means of payment, can be according to current
Trade date, bill day or repayment date calculate.In other embodiment kinds, permitted payment range can be payment
The available payment amount of mode, can be according to the maximum payment amount of the means of payment, remaining sum, used payment amount etc.
Information obtains.
In some alternative embodiments, as shown in figure 3, step S103 may include:
S301, according to the default date from as far as the payment sequence for closely determining the means of payment；
S302 at least chooses two means of payment according to the payment sequence, and without departing from the payment range
Under the premise of the current transaction is paid.
In the optional embodiment, determined the means of payment corresponding default date and permitted payment range it
Afterwards, multiple means of payment can be ranked up according to the default date, by the default date it is farther away come front, and by default day
Phase is closer to be come below, can select the means of payment that the default date is later, preferentially in this way to reduce the refund pressure of user.
The default date can be understood as the default date apart from current time by as far as close from as far as close.It is suitable in the payment of multiple means of payment
After sequence determines, it can select to be paid using two or more means of payment in the top from front to back.Payment when
It waits, the amount of money that two or more the selected means of payment is paid cannot exceed its permitted payment range.Example
Such as, the payment amount currently traded is 1000, and the range that allows to pay of the first means of payment to rank the first is 0-
600, the permitted payment range of second of means of payment being number two is 0-500, then selecting the first means of payment
When with the combined payment of second of means of payment, the amount of money that the first means of payment is paid is no more than 600, second of payment
The amount of money that mode is paid is no more than 500.But it is understood that selected two or more payer
The payment amount of formula in total is equal to the payment amount currently traded.
In some alternative embodiments, step S302 may include:
The preceding means of payment of preferential selection sequence is worked as described in paying under the premise of without departing from the payment range
The partial amount of preceding transaction, and paid under the premise of without departing from the payment range using the posterior means of payment that sorts
The residual amount currently traded.
In the optional implementation, the preferential preceding means of payment that sorts of choosing can be understood as first choosing sequence
The preceding means of payment, it is rear to choose the posterior means of payment that sorts.In one embodiment, the preceding branch of sequence can preferentially be selected
It pays mode branch and cashes without discount payment in part the amount of money currently traded, and the posterior one or more of ranking pay remainders.As for sequence
The amount of money of how many ratio is paid respectively in the preceding and posterior means of payment, can be arranged according to the actual situation.For example, can default
Under the premise of the maximum payment amount of every kind of means of payment is no more than permitted payment range, the means of payment in the top
Payment amount ratio is greater than the means of payment to rank behind, can make the preceding more amount of money of payment that sort in this way, reduce
The refund pressure of user, while other means of payment can also be taken into account.The payment amount ratio of every kind of means of payment can by with
Family is arranged, can also by system according to preference of user etc., other attributes are configured.
In some alternative embodiments, as shown in figure 4, step S301 may include:
S401, there are default date of at least two means of payment it is identical when, determine at least two payer
The comprehensive score of formula；
S402 determines the payment sequence of at least two means of payment according to the comprehensive score.
In the optional embodiment, if the default date of two or more means of payment is identical, also
The comprehensive score of the two or more than two means of payment can be determined according to other factors, it is true further according to comprehensive score later
Determine the payment sequence of the two or more than two default date identical means of payment.For example, means of payment A and means of payment B
The default date it is identical, and the comprehensive score of means of payment A be higher than means of payment B comprehensive score, then means of payment A is come
Before means of payment B.In this way, with the default date for main ordering factor, and the comprehensive of other factors determination is taken into account
Scoring is closed, enables to the selection of the means of payment more flexible, it is more objective.
In some alternative embodiments, step S401 may include:
The comprehensive score of the means of payment is determined based on the default influence factor and its weight of the means of payment；Its
In, the default influence factor is included at least with the next item down: user preference factor, integral ratio and the member of the means of payment
Income.
In the optional embodiment, the comprehensive score of the means of payment can preset influence factor according to other to determine, and
And different weights can be arranged in different influence factors based on its importance.Other default influence factors for example may include using
It family preference, the integral ratio of the means of payment and/or can bear interest.The preference of user includes that user is to like every kind of means of payment
Equilibrium uses or preference uses a certain means of payment；The means of payment how whether have transaction points, integral worth (such as
Exchange the ratio of airline miles), it, can also be excellent when the integral income of some means of payment is higher (ratio is if any reward on total mark etc.)
First paid using the means of payment；For credit card, it is also contemplated that whether exempt from annual fee, if annual fee unavoidably
Whether need to exempt from annual fee etc. by using number mode up to standard.Herein the default influence factor of equipment can be it is any being capable of shadow
The factor that user determines the selection of two kinds of different means of payment is rung, and the importance for being also based on different factors is every kind
Default influence factor assigns weight, and the synthesis by being weighted and averaged to obtain every kind of means of payment to default influence factor is commented
Point.
For example, for the means of payment corresponding for a credit card, including following multiple default influence factors:
X: frequency of usage (such as the number of the card for payment in three months)
Y: score accumulation ratio (integral worth of the card in 100 yuan of acquisitions of payment)
Z: member safeguards income (income of the card by payment more than the VIP member that certain amount obtains)
So, the comprehensive score of the corresponding means of payment of the credit card can be obtained by following formula:
V=a1*X+a2*Y+a3*Z
Wherein, V is the comprehensive score of the means of payment, and a1, a2, a3 is respectively X, Y, Z, weight.
It is the specific embodiment for the method for payment that the disclosure provides above.
Fig. 5 is the payment mechanism schematic diagram according to shown in some embodiments of the present disclosure.As shown in figure 5, payment mechanism 500
Including obtaining module 501, determining module 502 and selecting module 503.The function of the payment mechanism can be held by user terminal
Row.Wherein:
Module 501 is obtained, is configured as obtaining multiple means of payment；
Determining module 502 is configured to determine that and the means of payment associated default date and permitted payment
Range；
Selecting module 503 is configured as according to the default date and the payment range from the multiple payer
At least two means of payment are selected to pay current transaction in formula.
In some alternative embodiments, the acquisition module 501, comprising:
First determines submodule, is configured to determine that multiple means of payment that the user currently to trade possesses；
Acquisition submodule is configured as obtaining the corresponding account information of the multiple means of payment.
In some alternative embodiments, the selecting module 503, comprising:
Second determines submodule, is configured as according to the default date from as far as the payment for closely determining the means of payment
Sequentially；
First payment submodule is configured as at least choosing two means of payment according to the payment sequence, and
The current transaction is paid under the premise of without departing from the payment range.
In some alternative embodiments, the first payment submodule, comprising:
Second payment submodule is configured as preferentially choosing the preceding means of payment that sorts without departing from the payment
The partial amount currently traded is paid under the premise of range, and using the posterior means of payment that sorts without departing from institute
The residual amount currently traded is paid under the premise of stating payment range.
In some alternative embodiments, described second submodule is determined, comprising:
Third determines submodule, be configured as there are default date of at least two means of payment it is identical when, determine
The comprehensive score of at least two means of payment；
4th determines submodule, be configured as determining at least two means of payment according to the comprehensive score described in
Payment sequence.
In some alternative embodiments, the third determines submodule, comprising:
5th determination submodule, is configured as described in default influence factor and its weight determination based on the means of payment
The comprehensive score of the means of payment；Wherein, the default influence factor is included at least with the next item down: the user of the means of payment is inclined
Good factor, integral ratio and member's income.
In some alternative embodiments, the default date is the interest-free phase of the means of payment；The payment range
For the available payment amount of the means of payment.
Above-mentioned payment mechanism is corresponding with method of payment shown in Fig. 1 and related embodiment consistent, and detail can be found in
The description to method of payment is stated, is not being repeated herein.
The structure that Fig. 6 is adapted for for realizing the electronic equipment of the information flow method for pushing according to disclosure embodiment is shown
It is intended to.
As shown in fig. 6, electronic equipment 600 includes central processing unit (CPU) 601, it can be according to being stored in read-only deposit
Program in reservoir (ROM) 602 is held from the program that storage section 608 is loaded into random access storage device (RAM) 603
Various processing in the above-mentioned embodiment shown in FIG. 1 of row.In RAM603, be also stored with electronic equipment 600 operate it is required
Various programs and data.CPU601, ROM602 and RAM603 are connected with each other by bus 604.Input/output (I/O) interface
605 are also connected to bus 604.
I/O interface 605 is connected to lower component: the importation 606 including keyboard, mouse etc.；It is penetrated including such as cathode
The output par, c 607 of spool (CRT), liquid crystal display (LCD) etc. and loudspeaker etc.；Storage section 608 including hard disk etc.；
And the communications portion 609 of the network interface card including LAN card, modem etc..Communications portion 609 via such as because
The network of spy's net executes communication process.Driver 610 is also connected to I/O interface 605 as needed.Detachable media 611, such as
Disk, CD, magneto-optic disk, semiconductor memory etc. are mounted on as needed on driver 610, in order to read from thereon
Computer program be mounted into storage section 608 as needed.
Particularly, according to embodiment of the present disclosure, it is soft to may be implemented as computer above with reference to Fig. 1 method described
Part program.For example, embodiment of the present disclosure includes a kind of computer program product comprising be tangibly embodied in readable medium
On computer program, the computer program includes program code for executing the method for Fig. 1.In such embodiment
In, which can be downloaded and installed from network by communications portion 609, and/or from 611 quilt of detachable media
Installation.
Flow chart and block diagram in attached drawing illustrate system, method and computer according to the various embodiments of the disclosure
The architecture, function and operation in the cards of program product.In this regard, each box in course diagram or block diagram can be with
A part of a module, section or code is represented, a part of the module, section or code includes one or more
Executable instruction for implementing the specified logical function.It should also be noted that in some implementations as replacements, institute in box
The function of mark can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated are practical
On can be basically executed in parallel, they can also be executed in the opposite order sometimes, and this depends on the function involved.Also it wants
It is noted that the combination of each box in block diagram and or flow chart and the box in block diagram and or flow chart, Ke Yiyong
The dedicated hardware based system of defined functions or operations is executed to realize, or can be referred to specialized hardware and computer
The combination of order is realized.
Being described in unit or module involved in disclosure embodiment can be realized by way of software, can also
It is realized in a manner of through hardware.Described unit or module also can be set in the processor, these units or module
Title do not constitute the restriction to the unit or module itself under certain conditions.
As on the other hand, the disclosure additionally provides a kind of computer readable storage medium, the computer-readable storage medium
Matter can be computer readable storage medium included in device described in above embodiment；It is also possible to individualism,
Without the computer readable storage medium in supplying equipment.Computer-readable recording medium storage has one or more than one journey
Sequence, described program is used to execute by one or more than one processor is described in disclosed method.
In conclusion the present disclosure proposes a kind of method of payment, device, electronic equipment and its computer-readable storage mediums
Matter.The embodiment of the present disclosure by obtaining the multiple means of payment, and determine the default date associated with multiple means of payment and
Permitted payment range, and then at least two are selected from the multiple means of payment according to default date and payment range
Current transaction is paid.In this way, according to the default date associated with the means of payment and can be allowed
Payment range select the suitable means of payment, and at least two kinds of means of payment is selected to be combined payment, can be user
Optimal combined payment mode is selected, the process that user manually selects the means of payment is eliminated, improves the maximum of single payment
Amount avoids generation and pays unsuccessful situation, improves user experience.
It should be understood that the above-mentioned specific embodiment of the disclosure is used only for exemplary illustration or explains the disclosure
Principle, without constituting the limitation to the disclosure.Therefore, that is done without departing from spirit and scope of the present disclosure is any
Modification, equivalent replacement, improvement etc., should be included within the protection scope of the disclosure.In addition, disclosure appended claims purport
Covering the whole variations fallen into attached claim scope and boundary or this range and the equivalent form on boundary and is repairing
Change example.
Claims (16)
1. a kind of method of payment characterized by comprising
Obtain multiple means of payment；
Determining and the means of payment associated default date and permitted payment range；
At least two means of payment are selected from the multiple means of payment according to the default date and the payment range
Current transaction is paid.
2. method of payment according to claim 1, which is characterized in that described to obtain multiple means of payment, comprising:
Determine multiple means of payment that the user currently to trade possesses；
Obtain the corresponding account information of the multiple means of payment.
3. method of payment according to claim 1 or 2, which is characterized in that according to the default date and the payment
Range selects at least two means of payment to pay current transaction from the multiple means of payment, comprising:
According to the default date from as far as the payment sequence for closely determining the means of payment；
Two means of payment are at least chosen according to the payment sequence, and right under the premise of without departing from the payment range
The current transaction is paid.
4. method of payment according to claim 3, which is characterized in that at least chosen described in two according to the payment sequence
The means of payment, and the current transaction is paid under the premise of without departing from the payment range, comprising:
The preferential preceding means of payment that sorts of choosing pays the current friendship under the premise of without departing from the payment range
Easy partial amount, and described in being paid under the premise of without departing from the payment range using the posterior means of payment of sorting
The residual amount currently traded.
5. method of payment according to claim 3, which is characterized in that described to be determined according to the default date from as far as close
The payment sequence of the means of payment, comprising:
There are default date of at least two means of payment it is identical when, determine that the synthesis of at least two means of payment is commented
Point；
The payment sequence of at least two means of payment is determined according to the comprehensive score.
6. method of payment according to claim 5, which is characterized in that there are the default days of at least two means of payment
When phase is identical, the comprehensive score of at least two means of payment is determined, comprising:
The comprehensive score of the means of payment is determined based on the default influence factor and its weight of the means of payment；Wherein, institute
It states default influence factor to include at least with the next item down: user preference factor, integral ratio and the member's income of the means of payment.
7. method of payment according to claim 1-6, which is characterized in that the default date is the payer
The interest-free phase of formula；The payment range is the available payment amount of the means of payment.
8. a kind of payment mechanism characterized by comprising
Module is obtained, is configured as obtaining multiple means of payment；
Determining module is configured to determine that and the means of payment associated default date and permitted payment range；
Selecting module is configured as being selected from the multiple means of payment according to the default date and the payment range
At least two means of payment pay current transaction.
9. payment mechanism according to claim 8, which is characterized in that the acquisition module, comprising:
First determines submodule, is configured to determine that multiple means of payment that the user currently to trade possesses；
Acquisition submodule is configured as obtaining the corresponding account information of the multiple means of payment.
10. payment mechanism according to claim 8 or claim 9, which is characterized in that the selecting module, comprising:
Second determine submodule, be configured as according to the default date from as far as closely determine the means of payment payment it is suitable
Sequence；
First payment submodule is configured as at least choosing two means of payment according to the payment sequence, and is not surpassing
The current transaction is paid under the premise of the payment range out.
11. payment mechanism according to claim 10, which is characterized in that the first payment submodule, comprising:
Second payment submodule is configured as preferentially choosing the preceding means of payment that sorts without departing from the payment range
Under the premise of pay the partial amount currently traded, and using the posterior means of payment that sorts without departing from the branch
The residual amount currently traded is paid under the premise of paying range.
12. payment mechanism according to claim 10, which is characterized in that described second determines submodule, comprising:
Third determines submodule, be configured as there are default date of at least two means of payment it is identical when, determine described in
The comprehensive score of at least two means of payment；
4th determines submodule, is configured as determining the payment of at least two means of payment according to the comprehensive score
Sequentially.
13. payment mechanism according to claim 12, which is characterized in that the third determines submodule, comprising:
5th determines submodule, is configured as determining the payment based on the default influence factor and its weight of the means of payment
The comprehensive score of mode；Wherein, the default influence factor include at least with the next item down: the user preference of the means of payment because
Element, integral ratio and member's income.
14. according to the described in any item payment mechanisms of claim 8-13, which is characterized in that the default date is the payment
The interest-free phase of mode；The payment range is the available payment amount of the means of payment.
15. a kind of electronic equipment characterized by comprising
Memory and one or more processors；
Wherein, the memory is connect with one or more of processor communications, and being stored in the memory can be described
The instruction that one or more processors execute, when described instruction is executed by one or more of processors, the electronic equipment
For realizing the method according to claim 1 to 7.
16. a kind of computer readable storage medium, is stored thereon with computer executable instructions, refer to when the computer is executable
When order is executed by a computing apparatus, it can be used to realize the method according to claim 1 to 7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810848285.2A CN109118235A (en) | 2018-07-27 | 2018-07-27 | Method of payment, device, electronic equipment and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810848285.2A CN109118235A (en) | 2018-07-27 | 2018-07-27 | Method of payment, device, electronic equipment and storage medium |
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| CN109118235A true CN109118235A (en) | 2019-01-01 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201810848285.2A Pending CN109118235A (en) | 2018-07-27 | 2018-07-27 | Method of payment, device, electronic equipment and storage medium |
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| CN110245925A (en) * | 2019-05-20 | 2019-09-17 | 陈旭 | Electric paying method, system, device and computer readable storage medium |
| CN112396426A (en) * | 2020-11-20 | 2021-02-23 | 交通银行股份有限公司 | Cross-bank payment limit monitoring method, system and computer storage medium |
| CN113362170A (en) * | 2021-05-13 | 2021-09-07 | 富途网络科技(深圳)有限公司 | Account selection method and electronic equipment |
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