CN102867252B - Paying server and payment channel acquisition methods - Google Patents
Paying server and payment channel acquisition methods Download PDFInfo
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- CN102867252B CN102867252B CN201210342861.9A CN201210342861A CN102867252B CN 102867252 B CN102867252 B CN 102867252B CN 201210342861 A CN201210342861 A CN 201210342861A CN 102867252 B CN102867252 B CN 102867252B
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Abstract
The invention provides a kind of paying server, be connected to the proxy server that multiple payment agents provide, comprise: resolving cell, the means of payment data that described multiple proxy servers are provided are decomposed, generate multiple payment channel data and described payment channel data are saved to database, described payment channel data comprise proxy server mark, means of payment categorical data and pay entrance categorical data; Search unit, obtain the payment entrance categorical data that client is selected, from described database, find out the payment channel data of the payment entrance categorical data that belongs to described selection; Communication unit, searches the payment channel data that unit finds out and sends to described client described. According to another aspect of the invention, a kind of payment channel acquisition methods has also been proposed. By technical scheme of the present invention, can exist in multichannel situation in payment, obtain intelligently suitable payment channel and send to user, the reliability and stability of guaranteeing payment.
Description
Technical field
The present invention relates to online payment field, in particular to a kind of paying server and a kind of propping upPay passage acquisition methods.
Background technology
In current delivery operation, due to the difference of user habit, the different agent's access waies that payDifference, user wishes to select specifically to pay entrance and pays, proxy server need to offerThe means of payment that user is more accurate and payment entrance. Existing payment system generally provides two kinds of realization sidesFormula: the one, the different means of payment are pooled together, then allow user oneself select to need propping up of usePay entrance; The 2nd, use to pay according to user and be accustomed to payment entrance the most frequently used user to represent to userUse, or before those more influential payment entrances are arranged in.
Correlation technique is not considered different particularity, the user's use habits and multiple that pay formThe reliability constraint of entrance, causes user to implement a lot of difficulties that pay, the reality paying for the firstExisting, due to the ability to pay only providing, do not provide means of payment positioning function, user searchesVery trouble and also very difficult; Although the second is fairly simple comparatively speaking, still have manyInconvenience, particularly in the payment system that comprises pay this extra entrance. Such as using some card to pay, firstAll amount of money on card has not been consumed in inferior consumption, although a card payment reminders merit is also provided when pay next timeCan, if but paying entrance changes, and still can cause user cannot complete payment. Also has exampleAs liking using some card originally, user paid, the payment information that result system is nearest according to user, automaticallyOffer e-Bank payment mode of user, this is that user does not wish the means of payment obtaining. So onlyWith good grounds user's payment information sends to user by payment channel automatically, just can avoid said circumstancesOccur, also can facilitate user to select more stable payment channel and the means of payment simultaneously.
Therefore, need a kind of new payment channel to obtain technology, can have multichannel feelings in paymentUnder condition, obtain intelligently suitable payment channel and send to user, the reliability of guaranteeing payment is with steadyQualitative.
Summary of the invention
The present invention, just based on the problems referred to above, has proposed a kind of paying server, can pay existenceIn multichannel situation, obtain intelligently suitable payment channel and send to user, guaranteeing paymentReliability and stability.
In view of this, the present invention proposes a kind of paying server, be connected to multiple proxy servers,Comprise: resolving cell, the means of payment data that described multiple proxy servers are provided are decomposed,Generate multiple payment channel data and described payment channel data are saved to database, described PayPalTrack data comprises proxy server mark, means of payment categorical data and pays entrance categorical data, instituteStating proxy server provides by paying agent; Search unit, obtain the payment entrance that client is selectedCategorical data, from described database, find out belong to described selection payment entrance categorical dataPay channel data; Communication unit, searches the payment channel data that unit finds out and sends to institute describedState client.
In this technical scheme, payment channel for example can be: Alipay-e-Bank payment-China Merchants BankForm, wherein, Alipay is proxy server, e-Bank payment is the means of payment, China Merchants BankPay entrance.
The data that paying server can provide multiple proxy servers are all decomposed, and generation is manyIndividual payment channel, in user's payment process, when after selected payment entrance, (the selected of indication props up herePaying entrance, can be that user manually selects, and can be also that system is selected automatically according to user habitPay entrance), paying server can obtain suitable payment to user according to selected payment entranceThen passage sends to user, instead of only pushes to user according to the payout status of user's the last timePayment channel. Wherein, proxy server provides by paying agent, each payment agent provide toA few proxy server is connected to paying server, pays agent and refers to that itself does not pay energyPower, but can be by the ability to pay of the company of integrated other able to make payment or mechanism, then providesPay the mechanism of service, the payment channel that payment agent provides is more, is convenient to trade company's access.
For example: user uses the walk in the Divine Land rechargeable card of 50 yuan, buy product C1, be worth 2Unit, 48 yuan of residues after buying, pay for the first time user and select easily precious walk in the Divine Land point card to pay,Spent several days, user intends to buy commodity C2, is worth 5 yuan, and due to first user's selection is easyPrecious walk in the Divine Land point card pays, and paying server enters in conjunction with user's payment information and the payment of current selectionMouth is analyzed, if the payment entrance of current selection is still for walk in the Divine Land pays, does not need soTo obtaining other payment channel, if not being walk in the Divine Land, the payment entrance of current selection pays, in order to protectCard pays and successfully can continue remaining sum in consumption card, obtains to comprise to pay the payment that entrance is walk in the Divine LandPassage also sends to user.
Therefore, from technique scheme, can find out, for the obtaining of payment channel, search in the pastUnit is to inquire about according to the mark of payment channel, and the result inquiring is fixing PayPalRoad, and in this programme, search unit to inquire about according to paying entrance type, can inquire sameOne pays any one the normal payment channel under entrance type, thus make by inquiry pay intoMouthful type and the payment channel returned is not what fix, for example, select the payment entrance class of xx bankType, the result of returning so will be any one available payment that comprises this xx bank and prop up entrance typePassage.
In technique scheme, preferably, also comprise precedence information in described payment channel dataSituation under, described communication unit also for the payment channel data finding out by the highest priorityPayment channel data send to described client.
In this technical scheme, what paying server can be according to user's payment information and current selectionPaying entrance and search corresponding payment channel, is not only by suitable in current all proxy serversPayment channel all offers user and selects, and can also sort to payment channel according to priority againBe shown to user, be convenient to user and select. Further, can also only obtain the payment that priority is the highestPassage offers user, directly for user recommends optimum payment channel, for user has saved selectionTime.
In technique scheme, preferably, also comprise: priority determining unit, for establishing in advancePut the priority of described payment channel data or according to use record and/or the number of stoppages of payment channelDetermine the priority of each payment channel.
In this technical scheme, the priority of payment channel can be fixed, for example, by manufacturer's basisFrom the cooperative relationship setting of different proxy servers, suppose paying server 100 and proxy server AHave cooperative relationship, the priority of proxy server A is set to 10 so, with proxy server BThere is no cooperative relationship, priority is set to 0 so, when retrieving proxy server A and agency serviceDevice B all meets the payment request of client, so other states identical (means of payment and pay intoMouthful type is identical) situation under, the payment channel that proxy server A provides comes proxy server BBefore the payment channel providing.
The priority of payment channel also can be adjusted automatically according to service condition, such as above-mentioned agencyServer A and proxy server B, the priority of distribution is respectively 5, if proxy server APoor stability, there will be the situation of access errors indivedual time, although distribute at the beginning priority oneSample, if the priority that breaks down reduces 0.1 at every turn, through after a period of time, proxy server ACan become respectively 4 and 5 with the priority of proxy server B, proxy server B provides soPayment channel by come payment channel that proxy server A provides before, automatically adjust priorityMode can be client push more suitably and more stable payment channel.
Can obtain the frequency of utilization of payment channel and the use of payment channel according to use record timeBetween, thereby priority that can payment channel is set to relevant to frequency of utilization and/or service timeConnection. The priority of for example can setup and use frequency high payment channel is higher, and/or service timeThe priority that approaches present payment channel is higher.
In above-mentioned arbitrary technical scheme, preferably, described communication unit comprises switching subelement, usesIn the time that the payment channel of selecting in described client breaks down, the payment channel of described selection is switchedTo alternative payment channel, the priority of described alternative payment channel is inferior to the PayPal of described selectionRoad.
In this technical scheme, alternative payment channel comprises identical payment with the payment channel of selection and entersMouthful, when obtaining after suitable payment channel, if find there is fault, paying server in this payment channelAlso can, according to the payment entrance of user's payment information and current selection, obtain and comprise identical paymentOther payment channel of entrance, guide in other suitable payment channel by current payment, continueComplete delivery operation.
For example, user has China Merchants Bank's credit card, intends to buy products C 1, first selection easilyPrecious e-Bank payment mode pays, and has spent 2 days, and user intends to buy new commodity C2,And now easily precious server room upgrading, payment system must ensure that user pays and not select easilyPrecious payment, if now China Merchants Bank's passage in Gaoyang is normal, payment system can jump to GaoyangOn China Merchants Bank's passage, make user complete smoothly delivery operation, and this handover operation to user isBright.
In technique scheme, preferably, described communication unit is also for being sent to reminder-dataDescribed client, described reminder-data comprises whether the payment channel of described selection breaks down, switchTo described alternative payment channel.
In this technical scheme, when the payment channel of having obtained breaks down, need to switch to itWhen his payment channel completes delivery operation, can point out user, show the reason of switchingAnd being about to switch to any bar payment channel, user can select to switch to paying server payment is providedPassage, also can select not carry out switching, and again manually selects suitable payment channel.
According to another aspect of the invention, also propose a kind of payment channel acquisition methods, having comprised: stepRapid 202, the means of payment data that agential multiple payments proxy server is provided are decomposed,Generate multiple payment channel data and described payment channel data are saved to database, described PayPalTrack data comprises proxy server mark, means of payment categorical data and pays entrance categorical data; StepRapid 204, obtain the payment entrance categorical data that client is selected, from described database, find out genusPayment channel Data Concurrent in the payment entrance categorical data of described selection is given described client.
In this technical scheme, payment channel for example can be: Alipay-e-Bank payment-China Merchants BankForm, wherein, Alipay is proxy server, e-Bank payment is the means of payment, China Merchants BankPay entrance.
The data that paying server can provide multiple proxy servers are all decomposed, and generation is manyIndividual payment channel, in user's payment process, when after selected payment entrance, (the selected of indication props up herePaying entrance, can be that user manually selects, and can be also that system is selected automatically according to user habitPay entrance), paying server can obtain suitable payment to user according to selected payment entranceThen passage sends to user. Wherein, proxy server provides by paying agent, each payment generationReason business provides at least one proxy server to be connected to paying server, pays agent and refers to that itself does not haveAble to make payment, but can be by the ability to pay of the company of integrated other able to make payment or mechanism,The mechanism of payment services is provided again, and the payment channel that payment agent provides is more, is convenient to trade company and connectsEnter.
For example: user uses the walk in the Divine Land rechargeable card of 50 yuan, buy product C1, be worth 2Unit, 48 yuan of residues after buying, pay for the first time user and select easily precious walk in the Divine Land point card to pay,Spent several days, user intends to buy commodity C2, is worth 5 yuan, and due to first user's selection is easyPrecious walk in the Divine Land point card pays, and paying server enters in conjunction with user's payment information and the payment of current selectionMouth is analyzed, if the payment entrance of current selection is still for walk in the Divine Land pays, does not need soTo obtaining other payment channel, if not being walk in the Divine Land, the payment entrance of current selection pays, in order to protectCard pays and successfully can continue remaining sum in consumption card, obtains to comprise to pay the payment that entrance is walk in the Divine LandPassage also sends to user.
From technique scheme, can find out, for the obtaining of payment channel, be according to payment in the pastThe mark of passage is inquired about, and the result inquiring is fixing payment channel, and in this programmeBe to inquire about according to paying entrance type, can inquire any one under same payment entrance typeIndividual normal payment channel, thus make to pay payment channel that entrance type returns also by inquiryDo not fix.
In technique scheme, preferably, described payment channel data also comprise precedence information;Described step 204 is also included in the payment channel data that find out payment channel the highest priorityData send to described user.
In this technical scheme, what paying server can be according to user's payment information and current selectionPaying entrance and search corresponding payment channel, is not only by suitable in current all proxy serversPayment channel all offers user and selects, and can also sort to payment channel according to priority againBe shown to user, be convenient to user and select. Further, can also only obtain the payment that priority is the highestPassage offers user, directly for user recommends optimum payment channel, for user has saved selectionTime.
In technique scheme, preferably, also comprise: set in advance described payment channel dataPriority or determine the preferential of each payment channel according to the use record of payment channel and/or the number of stoppagesLevel.
In this technical scheme, the priority of payment channel can be fixed, for example, by manufacturer's basisFrom the cooperative relationship setting of different proxy servers, suppose paying server 100 and proxy server AHave cooperative relationship, the priority of proxy server A is set to 10 so, with proxy server BThere is no cooperative relationship, priority is set to 0 so, when retrieving proxy server A and agency serviceDevice B all meets the payment request of client, so other states identical (means of payment and pay intoMouthful type is identical) situation under, the payment channel that proxy server A provides comes proxy server BBefore the payment channel providing.
The priority of payment channel also can be adjusted automatically according to service condition, such as above-mentioned agencyServer A and proxy server B, the priority of distribution is respectively 5, if proxy server APoor stability, there will be the situation of access errors indivedual time, although distribute at the beginning priority oneSample, if the priority that breaks down reduces 0.1 at every turn, through after a period of time, proxy server ACan become respectively 4 and 5 with the priority of proxy server B, proxy server B provides soPayment channel by come payment channel that proxy server A provides before, automatically adjust priorityMode can be client push more suitably and more stable payment channel.
Can obtain the frequency of utilization of payment channel and the use of payment channel according to use record timeBetween, thereby priority that can payment channel is set to relevant to frequency of utilization and/or service timeConnection. The priority of for example can setup and use frequency high payment channel is higher, and/or service timeThe priority that approaches present payment channel is higher.
In above-mentioned arbitrary technical scheme, preferably, break down in the payment channel of described selectionTime, the payment channel of described selection is switched in alternative payment channel, described alternative payment channelPriority is inferior to the payment channel of described selection.
In this technical scheme, alternative payment channel comprises identical payment with the payment channel of selection and entersMouthful, when obtaining after suitable payment channel, if find there is fault, paying server in this payment channelAlso can, according to the payment entrance of user's payment information and current selection, obtain and comprise identical paymentOther payment channel of entrance, guide in other suitable payment channel by current payment, continueComplete delivery operation.
For example, user has China Merchants Bank's credit card, intends to buy products C 1, first selection easilyPrecious e-Bank payment mode pays, and has spent 2 days, and user intends to buy new commodity C2,And now easily precious server room upgrading, payment system must ensure that user pays and not select easilyPrecious payment, if now China Merchants Bank's passage in Gaoyang is normal, payment system can jump to GaoyangOn China Merchants Bank's passage, make user complete smoothly delivery operation, and this switching is transparent to user.
In technique scheme, preferably, point out the payment channel of selecting described in described user to occurWhether fault, switch in described alternative payment channel, in the time receiving described user's confirmation signal,Switch to described alternative payment channel.
In this technical scheme, when the payment channel of having obtained breaks down, need to switch to itWhen his payment channel completes delivery operation, can point out user, show the reason of switchingAnd being about to switch to any bar payment channel, user can select to switch to paying server payment is providedPassage, also can select not carry out switching, and again manually selects suitable payment channel.
By above technical scheme, can exist in multichannel situation in payment, obtain and close intelligentlySuitable payment channel also sends to user, the reliability and stability of guaranteeing payment.
Brief description of the drawings
Fig. 1 shows the block diagram of paying server according to an embodiment of the invention;
Fig. 2 shows the flow chart of payment channel acquisition methods according to an embodiment of the invention;
Fig. 3 shows the schematic diagram of payment system according to an embodiment of the invention;
Fig. 4 A and Fig. 4 B show the schematic diagram that prompting is switched according to an embodiment of the invention.
Detailed description of the invention
In order more clearly to understand above-mentioned purpose of the present invention, feature and advantage, below in conjunction with attachedFigure and detailed description of the invention are further described in detail the present invention. It should be noted that, notWhen conflict, the feature in the application's embodiment and embodiment can combine mutually.
Set forth in the following description a lot of details so that fully understand the present invention, still,The present invention can also adopt other to be different from other modes described here and implement, therefore, and the present inventionProtection domain be not subject to the restriction of following public specific embodiment.
Fig. 1 shows the block diagram of paying server according to an embodiment of the invention.
As shown in Figure 1, paying server 100 is connected to multiple payments according to an embodiment of the inventionThe proxy server that agent provides, comprising: resolving cell 102, provides multiple proxy serversMeans of payment data decompose, generate multiple payment channel data and payment channel data preservedTo database, payment channel data comprise proxy server mark, means of payment categorical data and paymentEntrance categorical data; Search unit 104, obtain the payment entrance categorical data that client is selected, fromIn database, find out the payment channel data of the payment entrance categorical data that belongs to selection; Communication unit106, send to client by searching the payment channel data that unit 104 finds out.
Payment channel for example can be: the form of Alipay-e-Bank payment-China Merchants Bank, wherein,Paying treasured is proxy server, and e-Bank payment is the means of payment, and China Merchants Bank pays entrance.
The data that paying server 100 can provide multiple proxy servers are all decomposed, rawBecome multiple payment channel, in user's payment process, when (the choosing of indication here after selected payment entranceSurely paying entrance, can be that user manually selects, and can be also that system is selected automatically according to user habitThe payment entrance of selecting), paying server 100 can obtain and close to user according to selected payment entranceThen suitable payment channel sends to user, instead of only according to the payout status of user's the last time toUser pushes payment channel. Wherein, proxy server provides by paying agent, each payment agencyAt least one proxy server that business provides can be communicated by letter with paying server 100, pays agent and refers toItself does not have ability to pay, but can be by the payment of the company of integrated other able to make payment or mechanismAbility, then the mechanism of payment services is provided.
For example: user uses the walk in the Divine Land rechargeable card of 50 yuan, buy product C1, be worth 2Unit, 48 yuan of residues after buying, pay for the first time user and select easily precious walk in the Divine Land point card to pay,Spent several days, user intends to buy commodity C2, is worth 5 yuan, and due to first user's selection is easyPrecious walk in the Divine Land point card pays, and paying server enters in conjunction with user's payment information and the payment of current selectionMouth is analyzed, if the payment entrance of current selection is still for walk in the Divine Land pays, does not need soTo obtaining other payment channel, if not being walk in the Divine Land, the payment entrance of current selection pays, in order to protectCard pays and successfully can continue remaining sum in consumption card, obtains to comprise to pay the payment that entrance is walk in the Divine LandPassage also sends to user.
And be not used in the past for the obtaining of payment channel, be to carry out according to the mark that is payment channelInquiry, the result inquiring is fixing payment channel, and this programme is looked into according to paying entranceAsk, can inquire the absolute payment passage that comprises same payment entrance.
Therefore, from technique scheme, can find out, for the obtaining of payment channel, search in the pastUnit is to inquire about according to the mark of payment channel, and the result inquiring is fixing PayPalRoad, and in this programme, search unit to inquire about according to paying entrance type, can inquire sameOne pays any one the normal payment channel under entrance type, thus make by inquiry pay intoMouthful type and the payment channel returned is not what fix.
Preferably, in the situation that payment channel data also comprise precedence information, communication unit 106Also for the payment channel data finding out, payment channel data the highest priority are sent to visitorFamily end.
Paying server 100 can be searched according to the payment entrance of user's payment information and current selectionCorresponding payment channel is not only by whole payment channel suitable in current all proxy serversOffer user and select, can also sort and be shown to again user payment channel according to priority,Being convenient to user selects. Further, can also only obtain the payment channel that priority is the highest and offer useFamily, directly for user recommends optimum payment channel, for user has saved the time of selecting.
Preferably, paying server 100 also comprises: priority determining unit 108, and for establishing in advancePut the priority of payment channel data or determine according to the use record of payment channel and/or the number of stoppagesThe priority of each payment channel.
The priority of payment channel can be fixed, for example, by manufacturer's basis and different proxy serversCooperative relationship setting, suppose that paying server 100 and proxy server A have cooperative relationship, soThe priority of proxy server A is set to 10, and B does not have cooperative relationship with proxy server, thatPriority is set to 0, when retrieving proxy server A and proxy server B all meets clientPayment request, so in the feelings of other states identical (means of payment with pay entrance type identical)Under condition, the payment channel that proxy server A provides comes the payment channel that proxy server B providesBefore.
The priority of payment channel also can be adjusted automatically according to service condition, such as above-mentioned agencyServer A and proxy server B, the priority of distribution is respectively 5, if proxy server APoor stability, there will be the situation of access errors indivedual time, although distribute at the beginning priority oneSample, if the priority that breaks down reduces 0.1 at every turn, through after a period of time, proxy server ACan become respectively 4 and 5 with the priority of proxy server B, proxy server B provides soPayment channel by come payment channel that proxy server A provides before, automatically adjust priorityMode can be client push more suitably and more stable payment channel.
Can obtain the frequency of utilization of payment channel and the use of payment channel according to use record timeBetween, thereby priority that can payment channel is set to relevant to frequency of utilization and/or service timeConnection. The priority of for example can setup and use frequency high payment channel is higher, and/or service timeThe priority that approaches present payment channel is higher.
Preferably, communication unit 106 comprises switching subelement 1062, for what select in clientWhen payment channel breaks down, the payment channel of selection is switched in alternative payment channel to alternativePay the priority of passage inferior to the payment channel of selecting.
Alternative payment channel comprises identical payment entrance with the payment channel of selection, suitable when obtainingAfter payment channel, if find there is fault in this payment channel, and paying server 100 also can be according to useThe payment entrance of the payment information at family and current selection, obtains other that comprise identical payment entrancePay passage, guide in other suitable payment channel by current payment, continued to pay behaviourDo.
For example, user has China Merchants Bank's credit card, intends to buy products C 1, first selection easilyPrecious e-Bank payment mode pays, and has spent 2 days, and user intends to buy new commodity C2,And now easily precious server room upgrading, payment system must ensure that user pays and not select easilyPrecious payment, if now China Merchants Bank's passage in Gaoyang is normal, payment system can jump to GaoyangOn China Merchants Bank's passage, make user complete smoothly delivery operation, and this handover operation to user isBright.
Preferably, communication unit 106 is also for being sent to reminder-data described client, hint numberBreak down according to the payment channel that comprises selection, whether switch in alternative payment channel.
When the payment channel of having obtained breaks down, need to switch to other payment channel and completeWhile paying operation, can point out user, show the reason of switching and be about to which switches toBar payment channel, user can select to switch to paying server 100 payment channel is provided, and also canSelect not switch, and again manually select suitable payment channel.
Fig. 2 shows the flow chart of payment channel acquisition methods according to an embodiment of the invention.
As shown in Figure 2, payment channel acquisition methods comprises according to an embodiment of the invention: step202, the means of payment data that agential multiple payments proxy server is provided are decomposed, rawBecome multiple payment channel data and payment channel data are saved to database, payment channel data compriseProxy server mark, means of payment categorical data and payment entrance categorical data; Step 204, obtainsGet the payment entrance categorical data that client is selected, from database, find out the payment that belongs to selection and enterThe payment channel Data Concurrent of mouth categorical data is given client.
Payment channel for example can be: the form of Alipay-e-Bank payment-China Merchants Bank, wherein,Paying treasured is proxy server, and e-Bank payment is the means of payment, and China Merchants Bank pays entrance.
The data that paying server can provide multiple proxy servers are all decomposed, and generation is manyIndividual payment channel, in user's payment process, when after selected payment entrance, (the selected of indication props up herePaying entrance, can be that user manually selects, and can be also that system is selected automatically according to user habitPay entrance), paying server can obtain suitable payment to user according to selected payment entranceThen passage sends to user. Wherein, proxy server provides by paying agent, each payment generationAt least one proxy server that reason business provides is connected to paying server, pays agent and refers to itselfThere is no ability to pay, but can be by the payment energy of the company of integrated other able to make payment or mechanismPower, then the mechanism of payment services is provided, pays the payment channel that agent provides more, is convenient to trade companyAccess.
For example: user uses the walk in the Divine Land rechargeable card of 50 yuan, buy product C1, be worth 2Unit, 48 yuan of residues after buying, pay for the first time user and select easily precious walk in the Divine Land point card to pay,Spent several days, user intends to buy commodity C2, is worth 5 yuan, and due to first user's selection is easyPrecious walk in the Divine Land point card pays, and paying server enters in conjunction with user's payment information and the payment of current selectionMouth is analyzed, if the payment entrance of current selection is still for walk in the Divine Land pays, does not need soTo obtaining other payment channel, if not being walk in the Divine Land, the payment entrance of current selection pays, in order to protectCard pays and successfully can continue remaining sum in consumption card, obtains to comprise to pay the payment that entrance is walk in the Divine LandPassage also sends to user.
And be not used in the past for the obtaining of payment channel, be to carry out according to the mark that is payment channelInquiry, the result inquiring is fixing payment channel, and this programme is looked into according to paying entranceAsk, can inquire the absolute payment passage that comprises same payment entrance.
From technique scheme, can find out, for the obtaining of payment channel, be according to payment in the pastThe mark of passage is inquired about, and the result inquiring is fixing payment channel, and at this programmeIn, inquire about according to paying entrance type, can inquire any under same payment entrance typeA normal payment channel, thus make to pay by inquiry the payment channel that entrance type is returnedBe not what fix.
Preferably, payment channel data also comprise precedence information; Step 204 is also included in and finds outPayment channel data in payment channel data the highest priority are sent to user.
Paying server can be searched corresponding according to the payment entrance of user's payment information and current selectionPayment channel, be not only that suitable payment channel in current all proxy servers is all providedSelect to user, can also sort and be shown to again user payment channel according to priority, be convenient toUser selects. Further, can also only obtain the payment channel that priority is the highest and offer user,Directly for user recommends optimum payment channel, for user has saved the time of selecting.
Preferably, payment channel acquisition methods also comprises according to an embodiment of the invention: set in advanceThe priority of payment channel data or definite each according to the use record of payment channel and/or the number of stoppagesThe priority of payment channel.
The priority of payment channel can be fixed, for example, by manufacturer's basis and different proxy serversCooperative relationship setting, suppose that paying server 100 and proxy server A have cooperative relationship, soThe priority of proxy server A is set to 10, and B does not have cooperative relationship with proxy server, thatPriority is set to 0, when retrieving proxy server A and proxy server B all meets clientPayment request, so in the feelings of other states identical (means of payment with pay entrance type identical)Under condition, the payment channel that proxy server A provides comes the payment channel that proxy server B providesBefore.
The priority of payment channel also can be adjusted automatically according to service condition, such as above-mentioned agencyServer A and proxy server B, the priority of distribution is respectively 5, if proxy server APoor stability, there will be the situation of access errors indivedual time, although distribute at the beginning priority oneSample, if the priority that breaks down reduces 0.1 at every turn, through after a period of time, proxy server ACan become respectively 4 and 5 with the priority of proxy server B, proxy server B provides soPayment channel by come payment channel that proxy server A provides before, automatically adjust priorityMode can be client push more suitably and more stable payment channel.
Can obtain the frequency of utilization of payment channel and the use of payment channel according to use record timeBetween, thereby priority that can payment channel is set to relevant to frequency of utilization and/or service timeConnection. The priority of for example can setup and use frequency high payment channel is higher, and/or service timeThe priority that approaches present payment channel is higher.
Preferably, in the time that the payment channel of selecting breaks down, the payment channel of selection is switched to standbySelect in payment channel, the priority of alternative payment channel is inferior to the payment channel of selecting.
Alternative payment channel comprises identical payment entrance with the payment channel of selection, suitable when obtainingAfter payment channel, if find there is fault in this payment channel, and paying server also can be according to user'sThe payment entrance of payment information and current selection, obtains other PayPals that comprise identical payment entranceRoad, guides in other suitable payment channel by current payment, has continued delivery operation.
For example, user has China Merchants Bank's credit card, intends to buy products C 1,2 yuan of unit prices,The easy precious e-Bank payment mode of first selection pays, and has spent 2 days, and user intends to buy newCommodity C2,5 yuan of unit prices, and now upgrading in easy precious server room, payment system is necessaryGuarantee user pays and does not select easily precious payment, if now China Merchants Bank's passage in Gaoyang is normal, and payment systemSystem can jump on China Merchants Bank's passage in Gaoyang, makes user complete smoothly delivery operation, and thisOne switching is transparent to user.
Preferably, the payment channel that prompting user selects breaks down, and whether switches to alternative PayPalOn road, in the time receiving user's confirmation signal, switch to alternative payment channel.
When the payment channel of having obtained breaks down, need to switch to other payment channel and completeWhile paying operation, can point out user, show the reason of switching and be about to which switches toBar payment channel, user can select to switch to paying server payment channel is provided, and also can selectDo not switch, and again manually select suitable payment channel.
Fig. 3 shows the schematic diagram of payment system according to an embodiment of the invention.
As shown in Figure 3, payment system comprises paying server 100 Hes according to an embodiment of the inventionClient 300. Paying server 100 one end are connected with multiple proxy servers 400, the other end itsBe connected with multiple clients 300, for multiple clients 300 provide service simultaneously. First, pay clothesBusiness device 100 will obtain the data that all proxy servers 400 provide and it be decomposed, and generation is manyBar payment channel is also saved in the database of paying server 100.
User carries out delivery operation in client 300, selects to pay entrance, 100 of paying serversAccording to user's payment information and selected payment entrance, from database, select corresponding proxy server400 provide suitable payment channel to return to client 300 selects for user.
Fig. 4 A and Fig. 4 B show the schematic diagram that prompting is switched according to an embodiment of the invention.
As shown in Figure 4 A, be that China Merchants Bank pays and from searching when user selects to pay entranceWhen the payment channel of selecting in the payment channel being associated going out is easily precious payment-Net silver-China Merchants Bank,Paying server judgement now easy precious server is upgraded, and sends prompting letter to clientBreath, as shown in Figure 4 B. Due to easy precious server update, and now the server in Gaoyang is normally transportedOK, so payment channel can be turned to the Net silver China Merchants Bank payment to Gaoyang, and point out userWhether carry out, if do not carry out, user, then manually select other if can select to cancel current operationPay passage.
More than be described with reference to the accompanying drawings technical scheme of the present invention, considered in correlation technique, do not hadThere is the reliability of considering the different particularity, user's use habit and the multiple entrances that pay formsConstraint, causes user to implement the many difficulties paying. The present invention proposes a kind of payment services technology,Can exist in multichannel situation in payment, obtain intelligently suitable payment channel and send to useFamily, the reliability and stability of guaranteeing payment.
The foregoing is only the preferred embodiments of the present invention, be not limited to the present invention, forThose skilled in the art, the present invention can have various modifications and variations. All in essence of the present inventionWithin god and principle, any amendment of doing, be equal to replacement, improvement etc., all should be included in the present inventionProtection domain within.
Claims (10)
1. a paying server, is characterized in that, is connected to multiple proxy servers, comprising:
Resolving cell, the means of payment data that described multiple proxy servers are provided are decomposed, rawBecome multiple payment channel data and described payment channel data are saved to database, described payment channelData comprise proxy server mark, means of payment categorical data and payment entrance categorical data, described inProxy server provides by paying agent;
Search unit, obtain the payment entrance categorical data that client is selected, from described database, look intoFind out the payment channel data of the payment entrance categorical data that belongs to described selection;
Communication unit, searches the payment channel data that unit finds out and sends to described client describedEnd.
2. paying server according to claim 1, is characterized in that, at described PayPalTrack data also comprises that, in the situation of precedence information, described communication unit is the payment for finding out alsoIn channel data, payment channel data the highest priority are sent to described client.
3. paying server according to claim 2, is characterized in that, also comprises: preferentialLevel determining unit, sets in advance the priority of described payment channel data or according to the use of payment channelRecord and/or the number of stoppages are determined the priority of each payment channel.
4. according to the paying server described in claim 2 or 3, it is characterized in that described communicationUnit comprises switching subelement, while breaking down for the payment channel of selecting in described client, and willThe payment channel of described selection switches in alternative payment channel, the priority of described alternative payment channelInferior to the payment channel of described selection.
5. paying server according to claim 4, is characterized in that, described communication unitAlso, for reminder-data being sent to described client, described reminder-data comprises the payment of described selectionWhether passage breaks down, switch in described alternative payment channel.
6. a payment channel acquisition methods, is characterized in that, comprising:
Step 202, the means of payment data that agential multiple payments proxy server is provided are carried outDecompose, generate multiple payment channel data and described payment channel data are saved to database, described inPayment channel data comprise proxy server mark, means of payment categorical data and pay entrance number of typesAccording to, described proxy server provides by paying agent;
Step 204, obtains the payment entrance categorical data that client is selected, and from described database, looks intoFind out the payment channel Data Concurrent of the payment entrance categorical data that belongs to described selection and give described clientEnd.
7. payment channel acquisition methods according to claim 6, is characterized in that, describedPay channel data and also comprise precedence information;
Described step 204 is also included in the payment channel data that find out payment the highest priorityChannel data sends to described client.
8. payment channel acquisition methods according to claim 7, is characterized in that, also bagDraw together: set in advance the priority of described payment channel data or according to the use record of payment channel and/Or the number of stoppages is determined the priority of each payment channel.
9. according to the payment channel acquisition methods described in claim 7 or 8, it is characterized in that,When the payment channel of described selection breaks down, the payment channel of described selection is switched to alternative paymentOn passage, the priority of described alternative payment channel is inferior to the payment channel of described selection.
10. payment channel acquisition methods according to claim 9, is characterized in that, prompting instituteState the payment channel of selecting described in client and break down, whether switch to described alternative payment channelUpper, in the time receiving the confirmation signal of described client, switch to described alternative payment channel.
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| CN201210342861.9A CN102867252B (en) | 2012-09-14 | 2012-09-14 | Paying server and payment channel acquisition methods |
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