CN106408278A

CN106408278A - Payment method and apparatus

Info

Publication number: CN106408278A
Application number: CN201610811731.3A
Authority: CN
Inventors: 仓晨阳
Original assignee: Beijing Xiaodu Information Technology Co Ltd
Current assignee: Beijing Xiaodu Information Technology Co Ltd
Priority date: 2016-09-08
Filing date: 2016-09-08
Publication date: 2017-02-15
Anticipated expiration: 2036-09-08
Also published as: CN106408278B

Abstract

The embodiment of the invention provides a payment method and apparatus. The method includes the steps of generating payables information according to an order, selecting a payment means corresponding to the payables information, and selecting the payment means to pay the payables. When a service platform needs to pay a merchant, the service platform automatically selects one payment means matching with the payment of this time from a plurality of payment means to respond. The selectable configuration of the service platform overcomes the adverse influence of one fixed payment means on payment success rate. For payment information for each payable, a certain matching payment means is selected on a real-time basis, thereby improving the payment flexibility of the service platform.

Description

Method of payment and device

Technical field

The present invention relates to Internet technical field, more particularly, to a kind of method of payment and device.

Background technology

With the continuous development of Internet technology, the trip mode of people, shopping way etc. have occurred that larger changing Become, shopping online, (Online To Offline, abbreviation O2O) pattern of taking out on the line such as make a reservation under line greatly facilitate The life of people.

For shopping online, under O2O pattern, each service provider (such as each food and drink trade company) by with service platform Cooperation, the merchandise news of itself is shown on service platform, so that user selects to buy.Have purchased certain business when certain user places an order Product, after completing to pay, service platform needs based on the billing agreements made an appointment, and the payment of user is beaten money by agreement Account to service provider.

Content of the invention

At present, the means of payment being paid to service provider account of the general employing of service platform is：By certain The fixing means of payment carries out beating money to service provider, such as by certain Third-party payment mode.

The single means of payment using fixation is paid, if because the reason such as Network Abnormal, payment system exception makes This single means of payment is not normally functioning, then can lead to pay unsuccessfully, and limits the payment motility of service platform.

In view of this, the embodiment of the present invention provides a kind of method of payment and device, in order to overcome existing using single payment Mode carry out carrying out paying to service provider be easily caused pay unsuccessfully, pay the poor problem of motility.

The embodiment of the present invention provides a kind of method of payment, including：

Pending payment information is generated according to order；

Select the means of payment corresponding with described pending payment information；

Using the means of payment selected, payment processes are carried out to described pending payment information.

Alternatively, the described selection means of payment corresponding with described pending payment information, including：

According to the mapping relations paying between attribute and the means of payment, select payer corresponding with described pending payment information Formula.

Alternatively, described according to the mapping relations paying between attribute and the means of payment, select and described pending payment information pair Before the means of payment answered, also include：

Obtain the means of payment and select configuration information, the described means of payment selects configuration information to include paying attribute and payment The first mapping relations between mode, described mapping relations include described first mapping relations；

Described according to the mapping relations paying between attribute and the means of payment, select payment corresponding with described pending payment information Mode, including：

According to described first mapping relations, select the means of payment corresponding with described pending payment information.

Analysis of history payment record, obtains at least one score value paying the attribute corresponding each means of payment of difference；

According to described at least one score value paying the attribute corresponding each means of payment of difference, determine and pay attribute and payment The second mapping relations between mode, described mapping relations include described second mapping relations；

According to described second mapping relations, select the means of payment corresponding with described pending payment information.

Alternatively, if described mapping relations include described first mapping relations and described second mapping relations；Described basis Pay the mapping relations between attribute and the means of payment, select the means of payment corresponding with described pending payment information, including：

According to the priority configuration information of described first mapping relations and described second mapping relations, determine high priority Mapping relations；

According to the mapping relations of high priority, select the means of payment corresponding with described pending payment information.

Alternatively, the described mapping relations according to high priority, select the means of payment corresponding with described pending payment information Afterwards, also include：

Carry out payment processes failure according to the means of payment selected according to the mapping relations of high priority, then switch to According to the mapping relations of low priority, select the means of payment corresponding with described pending payment information.

The embodiment of the present invention provides a kind of payment mechanism, including：

First generation module, for generating pending payment information according to order；

Selecting module, for selecting the means of payment corresponding with described pending payment information；

Processing module, for using the means of payment selected, carrying out payment processes to described pending payment information.

Alternatively, described selecting module specifically for：According to the mapping relations paying between attribute and the means of payment, select with The corresponding means of payment of described pending payment information.

Alternatively, this payment mechanism also includes：Acquisition module, for obtain the means of payment select configuration information, described The mode of paying selects configuration information to include paying the first mapping relations between attribute and the means of payment, and described mapping relations include institute State the first mapping relations；

Correspondingly, described selecting module specifically for：According to described first mapping relations, select and described pending payment information The corresponding means of payment.

Alternatively, this payment mechanism also includes：

Analysis module, for analysis of history payment record, obtains at least one payment attribute corresponding each payer respectively The score value of formula；

First determining module, for the score value according to described at least one payment attribute corresponding each means of payment of difference, Determine the second mapping relations paying between attribute and the means of payment, described mapping relations include described second mapping relations；

Correspondingly, described selecting module specifically for：According to described second mapping relations, select and described pending payment information The corresponding means of payment.

Method of payment provided in an embodiment of the present invention and device, after service platform receives the order of user's submission, base Generate pending payment information in this order, that is, generate the pending payment information including Payment Amount, beneficiary account, and then, service is flat Platform carries out the selection with this corresponding means of payment of pending payment information, that is, select the payer for responding this pending payment information Formula, thus using the means of payment selected, treating payment information and carry out payment processes.

In the embodiment of the present invention, when service platform need to such as trade company is paid the bill when, service platform can automatically from A kind of means of payment being applied to this payment is selected to respond in multiple means of payment, this alternative of service platform is joined Put and can overcome the fixing single means of payment to the adverse effect paying successful.Due to for every pending payment information, all Select certain corresponding means of payment in real time, extend the payment motility of service platform.

Brief description

In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing Have technology description in required use accompanying drawing be briefly described it should be apparent that, drawings in the following description are these Some bright embodiments, for those of ordinary skill in the art, on the premise of not paying creative work, can also root Obtain other accompanying drawings according to these accompanying drawings.

Fig. 1 is the flow chart of method of payment embodiment one provided in an embodiment of the present invention；

Fig. 2 is the flow chart of method of payment embodiment two provided in an embodiment of the present invention；

Fig. 3 is the flow chart of method of payment embodiment three provided in an embodiment of the present invention；

Fig. 4 is the flow chart of a kind of optional implementation of step 302 in embodiment illustrated in fig. 3；

Fig. 5 is the flow chart of the optional implementation of another kind of step 302 in embodiment illustrated in fig. 3；

Fig. 6 is the flow chart of a kind of optional implementation of step 304 in embodiment illustrated in fig. 3；

Fig. 7 is the flow chart of method of payment example IV provided in an embodiment of the present invention；

Fig. 8 is the structural representation of payment mechanism embodiment one provided in an embodiment of the present invention；

Fig. 9 is the structural representation of payment mechanism embodiment two provided in an embodiment of the present invention；

Figure 10 is the structural representation of payment mechanism embodiment three provided in an embodiment of the present invention；

Figure 11 is the structural representation of payment mechanism example IV provided in an embodiment of the present invention.

Specific embodiment

Purpose, technical scheme and advantage for making the embodiment of the present invention are clearer, below in conjunction with the embodiment of the present invention In accompanying drawing, the technical scheme in the embodiment of the present invention is clearly and completely described it is clear that described embodiment is The a part of embodiment of the present invention, rather than whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art The every other embodiment being obtained under the premise of not making creative work, broadly falls into the scope of protection of the invention.

The term using in embodiments of the present invention is the purpose only merely for description specific embodiment, and is not intended to be limiting The present invention." a kind of ", " described " and " being somebody's turn to do " of singulative used in the embodiment of the present invention and appended claims It is also intended to including most forms, unless context clearly shows that other implications, " multiple " generally comprise at least two, but not Exclusion comprises at least one situation.

It should be appreciated that term "and/or" used herein is only a kind of incidence relation of description affiliated partner, represent There may be three kinds of relations, for example, A and/or B, can represent：, there is A and B in individualism A simultaneously, individualism B these three Situation.In addition, character "/" herein, typically represent forward-backward correlation to as if a kind of relation of "or".

It will be appreciated that though XXX may be described using term first, second, third, etc. in embodiments of the present invention, but These XXX should not necessarily be limited by these terms.These terms are only used for XXX is distinguished from each other out.For example, implementing without departing from the present invention In the case of example scope, an XXX can also be referred to as the 2nd XXX, and similarly, the 2nd XXX can also be referred to as an XXX.

Depending on linguistic context, word as used in this " if ", " if " can be construed to " ... when " or " when ... " or " in response to determining " or " in response to detection ".Similarly, depending on linguistic context, phrase " if it is determined that " or " such as Fruit detection (condition of statement or event) " can be construed to " when determining " or " in response to determining " or " when detection (statement Condition or event) when " or " in response to detect (condition of statement or event) ".

Also, it should be noted term " inclusion ", "comprising" or its any other variant are intended to nonexcludability Comprise, so that a series of commodity of key elements of inclusion or system not only include those key elements, but also include not clearly Other key elements listed, or also include for this commodity or the intrinsic key element of system.In the feelings not having more restrictions Under condition, the key element being limited by sentence "including a ..." is it is not excluded that go back in the commodity including described key element or system There is other identical element.

Fig. 1 is the flow chart of method of payment embodiment one provided in an embodiment of the present invention, this payment that the present embodiment provides Method can be executed by a payment mechanism, and this payment mechanism can be implemented as software, or the group being embodied as software and hardware Close, this payment mechanism can be integrally disposed in the equipment of service platform side, in such as server, is not causing ambiguity below In the case of, the equipment of this payment mechanism integrated is referred to as service platform.As shown in figure 1, the method comprises the steps：

Step 101, according to order generate pending payment information.

Step 102, the selection means of payment corresponding with pending payment information.

Step 103, using the means of payment selected, treat payment information and carry out payment processes.

The method of payment providing in the embodiment of the present invention goes in following application scenarios：When terminal use passes through Shopping at network mode chooses the commodity to be bought, completes to pay, after submitting order to, service platform receives this order.Due to The process of user's shopping may relate to the participation of the different role such as service platform, trade company, logistics, and the payment for goods that user pays needs Distribute between these participation roles, that is, service platform needs, based on certain billing agreements, to pay to trade company, logistics side respectively A certain proportion of fund.Therefore, the payment process being related in the embodiment of the present invention be primarily referred to as service platform to such as trade company, The process of logistics side's payment.

Loan amount included in the order being received due to service platform is needed between above-mentioned different participation role Distribution, therefore, taking pay to trade company as a example, service platform needs to generate pending payment information corresponding with trade company based on this order.

It is understood that including the letters such as the commodity of user's purchase, the loan amount paying, name of firm in order Breath, therefore, service platform can extract the information such as name of firm, loan amount from order.And then, service platform can be with base In the agreement with trade company in advance, and the account of locally stored each trade company, calculate and obtain the payment needing to pay to this trade company The amount of money, and determine the corresponding account of this trade company.Thus, service platform can produce and comprise this Payment Amount and collecting account Pending payment information.

What deserves to be explained is, pending payment information includes Payment Amount and collecting account is only for example, in practical application, can So that according to actual needs, other relevant data contents can also be comprised in pending payment information.

Service platform is generating pending payment information, during paying this Payment Amount to collecting account, needs to select one Plant the means of payment, that is, select and this corresponding means of payment of pending payment information.That is, in the embodiment of the present invention, service is flat Platform has the ability selecting a kind of means of payment of this pending payment information being applied to and being currently generated from multiple means of payment.

Specifically, the means of payment that can arrange plurality of optional in service platform automatically selects for service platform.Optional Ground, service platform selects permissible with the selection gist of the current corresponding means of payment of pending payment information from multiple means of payment It is：According to the mapping relations paying between attribute and the means of payment, select the means of payment corresponding with pending payment information.

Wherein, pay attribute to be used for characterizing certain attribute character of the means of payment, this attribute character can be such as：Certain Account Type that the means of payment is applied to, the dealing money upper limit, the fee use of every transaction, success rate, averagely arrive the account used time Deng attribute one or more.

It is understood, therefore, that when according to the mapping relations selection paying between attribute and the means of payment and pending payment letter When ceasing the corresponding means of payment, it is alternatively possible to based on the corresponding Account Type of collecting account and/or payment in pending payment information The amount of money, carries out the selection of the means of payment in conjunction with the corresponding Account Type of every kind of means of payment, the dealing money upper limit；Alternatively, The indexs such as the corresponding success rate of every kind of means of payment can be based on and select a preferably means of payment, wait to pay as with this The corresponding means of payment of money information.

Related concrete acquisition methods of above-mentioned mapping relations and if being selected and pending payment information pair according to mapping relations The process of the means of payment answered, will describe in detail in subsequent embodiment.In the present embodiment, it is primarily intended to service platform quilt is described It is configured to have and select a kind of ability of the means of payment being applied to pending payment information from multiple means of payment.

Service platform, after selecting the means of payment corresponding with pending payment information, completes pending payment using this means of payment The payment processes of information, will beat money in collecting account by the Payment Amount in pending payment information.

What deserves to be explained is, in the embodiment of the present invention, the means of payment can be certain bank paying mode or Tripartite's means of payment, such as Alipay etc..

The method of payment that the present embodiment provides：After service platform receives the order of user's submission, based on the life of this order Become pending payment information, that is, generate the pending payment information including Payment Amount, beneficiary account, and then, service platform carries out and is somebody's turn to do The selection of the corresponding means of payment of pending payment information, that is, select the means of payment for responding this pending payment information, thus adopting With the means of payment selected, treat payment information and carry out payment processes.

In the present embodiment, when service platform need to such as trade company is paid the bill when, service platform can be automatically from multiple A kind of means of payment being applied to this payment is selected to respond in the means of payment, this alternative configuration energy of service platform Enough overcome the fixing single means of payment to the adverse effect paying successful.Due to for every pending payment information, all in real time Ground selects certain corresponding means of payment, extends the payment motility of service platform.

Mention in previous embodiment：Can be selected and pending payment letter according to the mapping relations paying between attribute and the means of payment Cease the corresponding means of payment.Describe the acquisition modes of this mapping relations below in conjunction with several embodiments in detail, and how root Carry out payment processes according to this mapping relations.

Before being described in detail in conjunction with specific embodiments, the acquisition to this mapping relations first is carried out in broad terms Bright.

In the embodiment of the present invention, the acquisition modes of this mapping relations include arranging acquisition manually, automatically analyze two kinds of acquisition Mode, in order to be distinguished, the mapping relations obtaining manual setting below are referred to as the first mapping relations, and service platform is automatic The mapping relations that analysis obtains are referred to as the second mapping relations.Both mapping relations can be selected one and are present in service platform, Can be concurrently present in service platform that is to say, that service platform can be closed by the first mapping relations and/or the second mapping It is to select the means of payment corresponding with pending payment information.

Illustrate with reference to the process that embodiment illustrated in fig. 2 obtains the first mapping relations to manual setting.

Fig. 2 is the flow chart of method of payment embodiment two provided in an embodiment of the present invention, as shown in Fig. 2 the method includes Following steps：

Step 201, obtain the means of payment select configuration information, the means of payment select configuration information includes pay attribute with The first mapping relations between the means of payment.

In the present embodiment, the means of payment selects the staff that configuration information can be service platform side to pass through interface configurations It is input in service platform, is operated by this configuration, staff is closed paying the first mapping between attribute and the means of payment System is configured in service platform.

Alternatively, this payment attribute includes collecting account type and/or the dealing money upper limit, but is not limited thereto.

So that payment attribute is for collecting account type as a example, is equivalent to staff and can arrange to what kind of gathering account Family carries out payment and can adopt which type of means of payment, that is, set up the corresponding relation between the means of payment and collecting account type.

Taking the dealing money upper limit as a example, be equivalent to staff can arrange right between the means of payment and the dealing money upper limit Should be related to.

In an optional embodiment, above-mentioned first mapping relations that staff is arranged manually mainly consider that pending payment is believed Collecting account, Payment Amount etc. is comprised in content of parameter included in breath, such as pending payment information.

Step 202, according to order generate pending payment information.

This step is consistent with the corresponding step in embodiment illustrated in fig. 1, repeats no more.

Step 203, according to the first mapping relations, select the means of payment corresponding with pending payment information.

Step 204, using the means of payment selected, treat payment information and carry out payment processes.

In the present embodiment, when above-mentioned first mapping relations of the manual setting that is stored with service platform, service platform exists After generating above-mentioned pending payment information, based on this first mapping relations, select and this corresponding means of payment of pending payment information.Specifically Ground, can be based on the corresponding Account Type of collecting account and/or Payment Amount in pending payment information, in conjunction with every kind of means of payment pair The Account Type answered, the dealing money upper limit carry out the selection of the means of payment.

As an example it is assumed that the Payment Amount that pending payment information includes is Z, the Account Type of collecting account is type-A, Assume that the first mapping relations are：

The means of payment 1, collecting account type is type-A account, and the dealing money upper limit is X；

The means of payment 2, collecting account type is B class T-account, and the dealing money upper limit is Y；

The means of payment 3, collecting account type is type-A account, and the dealing money upper limit is Y；

Wherein, X is more than Y, and Z is less than Y.

So, when selecting the means of payment corresponding with pending payment information based on this first mapping relations, account can be based on A kind of suitable is selected in above-mentioned three groups of corresponding relations that family type and the dealing money upper limit comprise from the first mapping relations The mode of paying.Under aforementioned assumed condition, it is the means of payment with the corresponding means of payment of collecting account type A in pending payment information 1 and the means of payment 3, and, the dealing money upper limit of both means of payment may be suitable for the payment in pending payment information Amount of money Z.It is thus possible to primarily determine that the means of payment 1 and the means of payment 3 may be used to the payment processes of pending payment information.

When the situation that the example above occurs, can match at least two based on the first mapping relations and go for treating During the means of payment of payment information, it is alternatively possible to randomly choose one from this at least two means of payment；Alternatively, Can further be selected based on other selective goal, such as be selected the means of payment of limit for height on dealing money.

What deserves to be explained is, only taking in pending payment information, comprise payment information and collecting account as a example carry out in the present embodiment Explanation, but in practical application, the information such as type of transaction in pending payment information, can also be included, and correspondingly, the first mapping is closed This attribute of type of transaction can also be included in payment attribute in system, arrange which type of means of payment is suitable to which type of friendship The corresponding relation of the transaction of easy type.

In the present embodiment, service platform can be carried out based on mapping relations between the manual means of payment arranging and payment attribute The selection of the means of payment corresponding with pending payment information is so that the means of payment selected is suitable for the pending payment letter being currently generated Breath is so that service platform can carry out the flexible selection of respective pay mode based on the pending payment information being currently needed for processing, no A kind of means of payment of fixation must be confined to.

With reference to embodiment illustrated in fig. 3, the process automatically analyzing setting acquisition the second mapping relations is illustrated.

Fig. 3 is the flow chart of method of payment embodiment three provided in an embodiment of the present invention, as shown in figure 3, the method includes Following steps：

Step 301, analysis of history payment record, obtain dividing of at least one payment attribute corresponding each means of payment of difference Value.

Step 302, the score value according at least one payment attribute corresponding each means of payment of difference obtaining, determine and pay The second mapping relations between attribute and the means of payment.

Step 303, according to order generate pending payment information.

Step 304, according to the second mapping relations, select the means of payment corresponding with pending payment information.

Step 305, using the means of payment selected, treat payment information and carry out payment processes.

For for step 301, in the present embodiment, before history payment record can include being currently generated pending payment information , completed pay the corresponding payment record of arbitrary payment information.Corresponding payment can be included in every payment record Mode, collecting account, by payment information send to moment during this payment, receive this means of payment feedback payment complete when One or more of the information such as quarter, the fee, success/failure feedback prompts information.

Based on above- mentioned information, all or part history payment record can be carried out point from different payment attribute dimensions Analysis, to measure every kind of means of payment from the different attribute dimensions that pay.

Alternatively, pay attribute to include as at least one in properties：Collecting account type, pay success rate, average Pay deadline, the single fee.

For collecting account type, by the corresponding Account Type of collecting account in every history payment record and Using the means of payment analysis, the same Account Type of the acquisition corresponding means of payment respectively can be counted, and then based on every kind of The statistical result of the accumulative access times of the means of payment is it may be determined that the score value of every kind of means of payment.As an example it is assumed that being directed to Type-A account, the means of payment that statistics adopts when determining and being paid to type-A account includes the means of payment 1, the means of payment 2 With the means of payment 3, and count obtain using number of times from the means of payment 1 to type-A bill payment be C1, using the means of payment 2 To type-A bill payment number of times be C2, using number of times from the means of payment 3 to type-A bill payment be C3.So can determine The means of payment 1, the means of payment 2, the corresponding score value of the means of payment 3 are respectively C1, C2, C3 or the normalized result of number of times.

For the single fee, the several of the fee can be delimited by the analysis to a large amount of history payment record Numerical intervals, for each numerical intervals, determine that the fee falls into the means of payment of this numerical intervals.And then, same for falling into For each means of payment of one numerical intervals, can count and absolute payment note is accounted for using the history payment record of every kind of means of payment The ratio of record.Now, the score value of every kind of means of payment is true by the weight of its corresponding numerical intervals and its this shared ratio Fixed.

For paying success rate, first can be by the corresponding means of payment in every history payment record Statistics, determines the adopted total degree of every kind of means of payment；And then can be based on the payment comprising in every history payment record Success/unsuccessfully point out, determines the total degree that every kind of means of payment successfully pays；Successfully pay finally according to every kind of means of payment Total degree and the ratio of its adopted total degree, determine the success rate of every kind of means of payment.

For the level payment deadline, can be first to whole history payment record according to the means of payment adopting Difference carry out classify set division；The corresponding set for arbitrary means of payment：Note is paid according to every history therein Comprise in record payment information is sent to moment during this payment, receive this means of payment feedback payment complete the moment, really The payment deadline of this history payment record this means of payment corresponding fixed；And then by propping up to history whole in this set Pay and record the corresponding payment deadline and average calculating it may be determined that this means of payment corresponding level payment deadline Score value.

For for step 302, determine at least one pay attribute respectively corresponding each means of payment score value it Afterwards, can be based on this, determine the second mapping relations paying between attribute and the means of payment.Alternatively, this second mapping is closed The determination of system, can be realized using the optional implementation of two kinds as shown in Figure 4 and Figure 5：

Fig. 4 is the flow chart of a kind of optional implementation of step 302 in embodiment illustrated in fig. 3, as shown in figure 4, including Following steps：

Step 401, the score value according to every kind of payment corresponding each means of payment of attribute, are ranked up to each means of payment.

Step 402, determine every kind of payment attribute corresponding score value highest before the N kind means of payment be and every kind of payment attribute There is the means of payment of the second mapping relations.

Wherein, N is less than or equal to the positive integer of means of payment sum.

In the present embodiment, in the second mapping relations, specifically comprise multigroup corresponding relation paying between attribute and the means of payment, Every group of corresponding relation reflects a kind of corresponding relation paying between attribute and multiple means of payment.It is hereby understood that in the present embodiment It is from the single angle paying attribute one by one, set up above-mentioned second mapping relations.

Specifically, for for arbitrary payment attribute, its corresponding multiple payer is being obtained by step 301 After the score value of formula, how many descendings can be carried out based on score value to this multiple means of payment, thus intercept coming top N The means of payment as the means of payment with this payment attribute with the second mapping relations, that is, sets up this payment attribute with sequence front The second mapping relations between the means of payment of N position.Wherein, the value of N can be set with experience, be generally less than this payment attribute and correspond to Absolute payment mode quantity.

Fig. 5 is the flow chart of the optional implementation of another kind of step 302 in embodiment illustrated in fig. 3, as shown in figure 4, bag Include following steps：

Step 501, the score value according at least one payment attribute corresponding each means of payment of difference obtaining, calculate each The mode of paying corresponding total score respectively.

Step 502, according to each means of payment respectively corresponding total score, each means of payment is ranked up.

Step 503, the sequence according to each means of payment, determine at least one pay attribute constitute payment community set with The second mapping relations between each means of payment.

It is to set up above-mentioned second mapping relations from the angle of the means of payment in the present embodiment, that is, from payment community set Angle set up above-mentioned second mapping relations.That is, in the present embodiment, the second mapping relations reflection is to pay attribute Mapping relations between set and multiple means of payment.

Specifically, when for each pay attribute pass through step 301 obtain its corresponding multiple means of payment divide After value, for the same means of payment, its corresponding total score of acquisition can be calculated, this total score corresponds to according to this means of payment Each pay attribute score value determine.Alternatively, it may be considered that difference pays the power of attribute during the determination of this total score Weight, that is, this total score is each weighted sum paying the corresponding score value of attribute.

And then, according to total score, descending is carried out to absolute payment mode, thus construct payment community set with each The second mapping relations between the means of payment, this second mapping relations embodies the payment attribute in considering this payment community set In the case of, the combination property ranking results of each means of payment.

Alternatively, after above-mentioned second mapping relations are constructed by Fig. 4 and embodiment illustrated in fig. 5, root in step 304 Select the means of payment corresponding with pending payment information correspondingly can build based on embodiment illustrated in fig. 4 according to the second mapping relations Second mapping relations are realized it is also possible to be realized based on the second mapping relations that embodiment illustrated in fig. 5 builds.

When the second mapping relations being built based on embodiment illustrated in fig. 5 are realized：It is alternatively possible to select from various ways Select the means of payment making number one as the means of payment corresponding with pending payment information.Alternatively, can also consider respectively Plant the current loading condition of the means of payment and ordering scenario, select a kind of ranking forward from multiple means of payment, and load capacity The relatively light means of payment.Wherein, the loading condition of the means of payment can be by counting every kind of means of payment quilt in the short time The number of times using determines.

When the second mapping relations being built based on embodiment illustrated in fig. 4 are realized, illustrate in step 304 in conjunction with Fig. 6 According to second mapping relations select the means of payment corresponding with pending payment information realize process.

Fig. 6 is the flow chart of a kind of optional implementation of step 304 in embodiment illustrated in fig. 3, as shown in fig. 6, including Following steps：

Step 601, the priority according to every kind of payment attribute, determine that the first priority pays attribute.

If step 602 first priority pays in the attribute corresponding N kind means of payment there is not score value and the first payer The second equal means of payment of the score value of formula, then select first means of payment as the means of payment corresponding with pending payment information.

If step 603 first priority pays in the attribute corresponding N kind means of payment there is score value and first means of payment Equal second means of payment of score value, then compare first means of payment and second means of payment corresponding second priority respectively Pay the score value of attribute.

In step 604, selection first means of payment and second means of payment, the score value of the second priority payment attribute is higher The means of payment as the means of payment corresponding with pending payment information.

What deserves to be explained is, step 602 and step 603-604 are sequential relationships arranged side by side.

The second mapping relations due to being built based on embodiment illustrated in fig. 4 are reflected between multigroup payment attribute and the means of payment Corresponding relation, separate between every group of corresponding relation.Alternatively, in order to be paid based on different payment attributes Way choice, can pay the different priority of attribute configuration for every kind of.The different priority paying attribute can pre- ancestor It is to be set based on the different significance levels paying attribute.

Therefore, in the process of the selection carrying out the means of payment corresponding with pending payment information based on this second mapping relations In, can first according to every kind of pay attribute priority, determine first priority pay attribute, and then it is alternatively possible to from First priority pays in the attribute corresponding N kind means of payment, selects first means of payment making number one as pending payment The corresponding means of payment of information.

In practical application, a kind of situation that may be present is had to be：For arbitrary payment attribute, its corresponding N kind is propped up In the mode of paying, it is understood that there may be the equal situation of score value.Now, for the equal means of payment of score value, it is not higher than in sequence Higher than its score value, be not less than lower than its score value on the premise of, can determine at random its sequence.So, attribute is paid for certain Say may there is the means of payment ranking in the top and there is identical score value.

Therefore, alternatively, if the first priority pays in the attribute corresponding N kind means of payment there is not score value and first Equal second means of payment of score value of the mode of paying, then can select first means of payment as corresponding with pending payment information The mode of paying.

Additionally optionally, if the first priority pays there is score value and the first payment in the attribute corresponding N kind means of payment The second equal means of payment of the score value of mode, then compare first means of payment and second means of payment corresponding second excellent respectively First level pays the score value of attribute, selects the score value of the second priority payment attribute in first means of payment and second means of payment relatively The high means of payment is as the means of payment corresponding with pending payment information.

That is, when the score value that the first priority pays the corresponding front several means of payment of attribute is identical, Ke Yikao Consider the score value that corresponding second priority of this several means of payment pays attribute, therefrom select second priority to pay attribute The higher means of payment of corresponding score value.Certainly, if corresponding second priority of this several means of payment pays attribute score value Also there is identical, continue to compare the score value situation that third priority pays attribute, till selecting a kind of means of payment.This When, be equivalent to the ranking longitudinally having considered a kind of means of payment in terms of different payment attributes.

In some alternative embodiments, above-mentioned each priority paying attribute can dynamically change, can be based on each Pay performance situation in certain period of time for the attribute and dynamically adjust its priority orders.Such as：According to every in preset time period Plant the score value paying the corresponding each means of payment of attribute, determine every kind of situation of change paying attribute；According to every kind of payment attribute Situation of change, adjustment every kind of pay attribute priority.

Alternatively, every kind of situation of change paying attribute can be presented as that the total score of corresponding multiple means of payment must become Change situation is it is also possible to the situation of change weighting of the score value of every kind of means of payment being presented as in corresponding multiple means of payment is tied Really, weighting can determine the weight coefficient of every kind of means of payment according to the sequence of the means of payment.Correspondingly, belong to if certain pays Property situation of change in different time sections to characterize the performance of this payment attribute unstable, then can turn down its priority orders.

By above-described embodiment, service platform based on the means of payment automatically analyzing setting and pays mapping relations between attribute Carry out with the corresponding means of payment of pending payment information selection so that the means of payment selected has relative more preferably performance, Such as have higher success rate, to account promptness more preferably, the fee more low, thus the pending payment letter being more preferably suitable for being currently generated Breath.Carry out the selection of the means of payment based on this mapping relations so that service platform more preferably can neatly select suitable payment Mode is it is not necessary to be confined to a kind of means of payment of fixation.

Fig. 7 is the flow chart of method of payment example IV provided in an embodiment of the present invention, in Fig. 2-embodiment illustrated in fig. 6 On the basis of, when be stored with service platform simultaneously the first mapping relations and the second mapping relations when, as shown in fig. 7, the method bag Include following steps：

Step 701, according to order generate pending payment information.

Step 702, the priority configuration information according to the first mapping relations and the second mapping relations, determine high priority Mapping relations.

In the present embodiment, when be stored with service platform simultaneously the first mapping relations and the second mapping relations when, can be pre- First configure the priority of both second mapping relations.

Step 703, the mapping relations selection means of payment corresponding with pending payment information according to high priority.

When the mapping relations of high priority are the first mapping relations, it is referred to embodiment illustrated in fig. 2 and carries out payer The selection of formula, when the mapping relations of high priority are the second mapping relations, are referred to Fig. 3-embodiment illustrated in fig. 6 and carry out propping up Pay way choice, will not be described here.

What deserves to be explained is, in some alternative embodiments, according to selected according to the mapping relations of high priority The means of payment carries out payment processes failure, then switch to the mapping relations according to low priority and select and described pending payment information pair The means of payment answered.

Step 704, treat payment information using the means of payment selected and carry out payment processes.

Step 705, generation payment record corresponding with pending payment information.

In some alternative embodiments, because the first mapping relations are artificially to arrange manually, it is relatively fixed constant, may As time goes on, this first mapping relations is no longer desirable for as the selection gist carrying out the means of payment, and now, statistics is adopted Carry out the frequency of failure of payment processes with the first mapping relations, when the frequency of failure reaches predetermined threshold value, delete the first mapping and close System.

In the embodiment of the present invention, when be stored with service platform two kinds of different mapping relations when, can be set based on user The priority orders put, select to be used which mapping relations, to meet the demand of user.By to the mapping relations frequency of failure Statistics, delete the mapping relations being not suitable for again, it is to avoid the impact to means of payment efficiency of selection for the redundancy of mapping relations.

The payment mechanism of one or more embodiments of the invention described in detail below.These payment mechanisms can be by reality Now it is also possible to be implemented in the interactive system of server and client side in the architecture of server.People in the art Member is it is appreciated that these payment mechanisms all can carry out configuring by the step that this programme is instructed using commercially available nextport hardware component NextPort Constitute.

Fig. 8 is the structural representation of payment mechanism embodiment one provided in an embodiment of the present invention, as shown in figure 8, this payment Device includes：First generation module 11, selecting module 12, processing module 13.

First generation module 11, for generating pending payment information according to order.

Selecting module 12, for selecting the means of payment corresponding with described pending payment information.

Processing module 13, for using the means of payment selected, carrying out payment processes to described pending payment information.

Wherein, alternatively, described selecting module 12 specifically for：Closed according to the mapping paying between attribute and the means of payment System, selects the means of payment corresponding with described pending payment information.

The method that Fig. 8 shown device can execute embodiment illustrated in fig. 1, the part that the present embodiment does not describe in detail, can join Examine the related description to embodiment illustrated in fig. 1.In the implementation procedure of this technical scheme and technique effect embodiment shown in Figure 1 Description, will not be described here.

Fig. 9 is the structural representation of payment mechanism embodiment two provided in an embodiment of the present invention, as shown in figure 9, in Fig. 8 institute On the basis of showing embodiment, this payment mechanism also includes：Acquisition module 21.

Acquisition module 21, selects configuration information for obtaining the means of payment, the described means of payment selects to wrap in configuration information Include the first mapping relations paying between attribute and the means of payment, described mapping relations include described first mapping relations.

Correspondingly, described selecting module 12 specifically for：According to described first mapping relations, select and described pending payment letter Cease the corresponding means of payment.

Alternatively, described payment attribute includes collecting account type and/or the dealing money upper limit.

The method that Fig. 9 shown device can execute embodiment illustrated in fig. 2, the part that the present embodiment does not describe in detail, can join Examine the related description to embodiment illustrated in fig. 2.In the implementation procedure of this technical scheme and technique effect embodiment shown in Figure 2 Description, will not be described here.

Figure 10 is the structural representation of payment mechanism embodiment three provided in an embodiment of the present invention, as shown in Figure 10, in Fig. 8 On the basis of illustrated embodiment, this payment mechanism also includes：Analysis module 31, the first determining module 32.

Analysis module 31, for analysis of history payment record, obtains at least one payment attribute corresponding each payment respectively The score value of mode.

First determining module 32, for dividing according to described at least one payment attribute corresponding each means of payment of difference Value, determines the second mapping relations paying between attribute and the means of payment, and described mapping relations include described second mapping relations.

Correspondingly, described selecting module 12 specifically for：According to described second mapping relations, select and described pending payment letter Cease the corresponding means of payment.

Alternatively, the described attribute that pays is included as at least one in properties：Collecting account type, pay success rate, Level payment deadline, the single fee.

Alternatively, described first determining module 32, including：First sequence submodule 321, the first determination sub-module 322.

First sorting sub-module 321, for according to every kind of score value paying the corresponding each means of payment of attribute, to described each The means of payment is ranked up.

First determination sub-module 322, for determining that before every kind of payment attribute corresponding score value highest, the N kind means of payment is There is with described every kind of payment attribute the means of payment of described second mapping relations, wherein, N is total less than or equal to the means of payment The positive integer of number.

Correspondingly, described selecting module 12 includes：Second determination sub-module 121, first choice submodule 122, comparison are sub Module 123, second selects submodule 124.

Second determination sub-module 121, belongs to for according to every kind of priority paying attribute, determining that the first priority pays Property.

First choice submodule 122, if pay in the attribute corresponding N kind means of payment for described first priority do not deposit In score value second means of payment equal with the score value of first means of payment, then select described first means of payment as with described The corresponding means of payment of pending payment information.

, if pay in the attribute corresponding N kind means of payment for described first priority there is score value in comparison sub-module 123 Second means of payment equal with the score value of first means of payment, then more described first means of payment and described second payer Corresponding second priority of formula difference pays the score value of attribute.

Second selection submodule 124, second excellent for selecting in described first means of payment and described second means of payment First level pays the higher means of payment of score value of attribute as the means of payment corresponding with described pending payment information.

Alternatively, this payment mechanism also includes：Second determining module 33, adjusting module 34.

Second determining module 33, for paying dividing of the corresponding each means of payment of attribute according to every kind of in preset time period Value, determines described every kind of situation of change paying attribute.

Adjusting module 34, for according to described every kind of situation of change paying attribute, adjusting described every kind of payment attribute Priority.

Alternatively, described first determining module 32 includes：Calculating sub module 323, the second sorting sub-module the 324, the 3rd are true Stator modules 325.

Calculating sub module 323, for the score value according to described at least one payment attribute corresponding each means of payment of difference, Calculate described each means of payment corresponding total score respectively.

Second sorting sub-module 324, for according to described each means of payment corresponding total score respectively, to described each payment Mode is ranked up.

3rd determination sub-module 325, for the sequence according to described each means of payment, determines that described at least one payment belongs to Property described second mapping relations paying between community set and described each means of payment that constitute.

Figure 10 shown device can execute Fig. 3 to the method for embodiment illustrated in fig. 6, the portion that the present embodiment does not describe in detail Point, refer to the related description to Fig. 3 to embodiment illustrated in fig. 6.The implementation procedure of this technical scheme and technique effect are referring to Fig. 3 Description to embodiment illustrated in fig. 6, will not be described here.

Figure 11 is the structural representation of payment mechanism example IV provided in an embodiment of the present invention, as shown in figure 11, front On the basis of stating embodiment, if described mapping relations include described first mapping relations and described second mapping relations, described selection Module 12 specifically for：According to the priority configuration information of described first mapping relations and described second mapping relations, determine high The mapping relations of priority；According to the mapping relations of high priority, select the means of payment corresponding with described pending payment information.

Alternatively, described selecting module 12 is additionally operable to：According to the payment selected according to the mapping relations of high priority Mode carries out payment processes failure, then switch to the mapping relations according to low priority, selects corresponding with described pending payment information The means of payment.

Alternatively, this payment mechanism also includes：Statistical module 41, removing module 42, the second generation module 43.

Statistical module 41, carries out the frequency of failure of payment processes for statistics using described first mapping relations；

Removing module 42, for when the described frequency of failure reaches predetermined threshold value, deleting described first mapping relations.

Second generation module 43, for generating payment record corresponding with described pending payment information.

The method that Figure 11 shown device can execute embodiment illustrated in fig. 7, the part that the present embodiment does not describe in detail, can join Examine the related description to embodiment illustrated in fig. 7.In the implementation procedure of this technical scheme and technique effect embodiment shown in Figure 7 Description, will not be described here.

The foregoing describe built-in function and the structure of payment mechanism, in practice, this payment mechanism can achieve as server, bag Include：Input equipment, processor；

Described input equipment, for receiving order；

Described processor, is coupled to described input equipment, for generating pending payment information according to order；Select to treat with described The corresponding means of payment of payment information；Payment processes are carried out to described pending payment information using the means of payment selected.

Alternatively, described processor is additionally operable to execute all or part step in method and step shown in above-mentioned Fig. 1 to Fig. 7 Suddenly.

Device embodiment described above is only that schematically the wherein said unit illustrating as separating component can To be or to may not be physically separate, as the part that unit shows can be or may not be physics list Unit, you can with positioned at a place, or can also be distributed on multiple NEs.Can be selected it according to the actual needs In the purpose to realize this embodiment scheme for some or all of module.Those of ordinary skill in the art are not paying creativeness Work in the case of, you can to understand and to implement.

Through the above description of the embodiments, those skilled in the art can be understood that each embodiment can To realize by the mode adding necessary general hardware platform naturally it is also possible to pass through hardware.Based on such understanding, above-mentioned skill What art scheme substantially contributed to prior art in other words partly can be embodied in the form of product, and this computer produces Product can store in a computer-readable storage medium, such as ROM/RAM, magnetic disc, CD etc., includes some instructions use so that one Platform computer installation (can be personal computer, server, or network equipment etc.) executes each embodiment or embodiment Some partly described methods.

Finally it should be noted that：Above example only in order to technical scheme to be described, is not intended to limit；Although With reference to the foregoing embodiments the present invention is described in detail, it will be understood by those within the art that：It still may be used To modify to the technical scheme described in foregoing embodiments, or equivalent is carried out to wherein some technical characteristics； And these modification or replace, do not make appropriate technical solution essence depart from various embodiments of the present invention technical scheme spirit and Scope.

Claims

1. a kind of method of payment is it is characterised in that include：

Pending payment information is generated according to order；

2. method according to claim 1 is it is characterised in that described selection payer corresponding with described pending payment information Formula, including：

According to the mapping relations paying between attribute and the means of payment, select the means of payment corresponding with described pending payment information.

3. method according to claim 2 is it is characterised in that described close according to the mapping paying between attribute and the means of payment System, before selecting the means of payment corresponding with described pending payment information, also includes：

Obtain the means of payment and select configuration information, the described means of payment selects configuration information to include paying attribute and the means of payment Between the first mapping relations, described mapping relations include described first mapping relations；

Described according to the mapping relations paying between attribute and the means of payment, select payer corresponding with described pending payment information Formula, including：

4. method according to claim 3 is it is characterised in that described payment attribute includes collecting account type and/or friendship The easily amount of money upper limit.

5. the method according to any one of claim 2 to 4 it is characterised in that described according to paying attribute and payer Mapping relations between formula, before selecting the means of payment corresponding with described pending payment information, also include：

According to described at least one score value paying the attribute corresponding each means of payment of difference, determine and pay attribute and the means of payment Between the second mapping relations, described mapping relations include described second mapping relations；

6. method according to claim 5 is it is characterised in that described correspond to respectively according to described at least one attribute that pays Each means of payment score value, determine the second mapping relations paying between attribute and the means of payment, including：

According to every kind of score value paying the corresponding each means of payment of attribute, described each means of payment is ranked up；

Before determining every kind of payment attribute corresponding score value highest the N kind means of payment be with described every kind of payment attribute have described The means of payment of the second mapping relations, wherein, N is less than or equal to the positive integer of means of payment sum.

7. method according to claim 6 it is characterised in that described according to described second mapping relations, select with described The corresponding means of payment of pending payment information, including：

According to every kind of priority paying attribute, determine that the first priority pays attribute；

If described first priority pays in the attribute corresponding N kind means of payment there is not score value and the score value of first means of payment The second equal means of payment, then select described first means of payment as the means of payment corresponding with described pending payment information；

If described first priority pays the score value phase that there is score value and first means of payment in the attribute corresponding N kind means of payment Deng second means of payment, then more described first means of payment and described second means of payment respectively corresponding second priority Pay the score value of attribute；

The second priority in described first means of payment and described second means of payment is selected to pay higher the propping up of score value of attribute The mode of paying is as the means of payment corresponding with described pending payment information.

8. method according to claim 7 is it is characterised in that methods described also includes：

According to the score value paying the corresponding each means of payment of attribute every kind of in preset time period, determine described every kind of payment attribute Situation of change；

According to described every kind of situation of change paying attribute, the described every kind of priority paying attribute of adjustment.

9. method according to claim 5 is it is characterised in that described correspond to respectively according to described at least one attribute that pays Each means of payment score value, determine the second mapping relations paying between attribute and the means of payment, including：

According to described at least one score value paying the attribute corresponding each means of payment of difference, calculate described each means of payment respectively Corresponding total score；

According to described each means of payment corresponding total score respectively, described each means of payment is ranked up；

According to the sequence of described each means of payment, determine described at least one pay the payment community set that attribute constitutes with described Described second mapping relations between each means of payment.

10. method according to claim 5 is it is characterised in that described payment attribute is included as at least in properties Kind：Collecting account type, payment success rate, level payment deadline, the single fee.

If 11. methods according to claim 5 are it is characterised in that described mapping relations include described first mapping relations With described second mapping relations；

According to the priority configuration information of described first mapping relations and described second mapping relations, determine the mapping of high priority Relation；

12. methods according to claim 11 it is characterised in that the described mapping relations according to high priority, select with After the corresponding means of payment of described pending payment information, also include：

Carry out payment processes failure according to the means of payment selected according to the mapping relations of high priority, then switch to basis The mapping relations of low priority, select the means of payment corresponding with described pending payment information.

13. methods according to claim 11 are it is characterised in that methods described also includes：

Statistics carries out the frequency of failure of payment processes using described first mapping relations；

When the described frequency of failure reaches predetermined threshold value, delete described first mapping relations.

14. methods according to claim 5 it is characterised in that described using the means of payment selected, wait to pay to described After money information carries out payment processes, also include：

Generate payment record corresponding with described pending payment information.

A kind of 15. payment mechanisms are it is characterised in that include：

16. devices according to claim 15 it is characterised in that described selecting module specifically for：

17. devices according to claim 16 are it is characterised in that also include：

Acquisition module, selects configuration information for obtaining the means of payment, and the described means of payment selects configuration information to include paying The first mapping relations between attribute and the means of payment, described mapping relations include described first mapping relations；

Described selecting module specifically for：

18. devices according to claim 17 it is characterised in that described payment attribute include collecting account type and/or The dealing money upper limit.

19. devices according to any one of claim 16 to 18 are it is characterised in that also include：

Analysis module, for analysis of history payment record, obtains at least one payment attribute corresponding each means of payment of difference Score value；

First determining module, for according to described at least one score value paying the attribute corresponding each means of payment of difference, determining Pay the second mapping relations between attribute and the means of payment, described mapping relations include described second mapping relations；

Described selecting module specifically for：

20. devices according to claim 19 are it is characterised in that described first determining module includes：

First sorting sub-module, for according to every kind of score value paying the corresponding each means of payment of attribute, to described each payer Formula is ranked up；

First determination sub-module, for determine every kind of payment attribute corresponding score value highest before the N kind means of payment be with described Every kind of payment attribute has the means of payment of described second mapping relations, and wherein, N less than or equal to means of payment sum is just Integer.

21. devices according to claim 20 are it is characterised in that described selecting module includes：

Second determination sub-module, for according to every kind of priority paying attribute, determining that the first priority pays attribute；

, if pay in the attribute corresponding N kind means of payment for described first priority there is not score value in first choice submodule Second means of payment equal with the score value of first means of payment, then select described first means of payment as with described pending payment The corresponding means of payment of information；

, if pay in the attribute corresponding N kind means of payment for described first priority there is score value and first in comparison sub-module The second equal means of payment of the score value of the means of payment, then more described first means of payment and described second means of payment be respectively Corresponding second priority pays the score value of attribute；

Second selection submodule, for selecting the second priority in described first means of payment and described second means of payment to pay The higher means of payment of the score value of attribute is as the means of payment corresponding with described pending payment information.

22. devices according to claim 21 are it is characterised in that also include：

Second determining module, for according to the score value paying the corresponding each means of payment of attribute every kind of in preset time period, determining Described every kind of situation of change paying attribute；

Adjusting module, for according to described every kind of situation of change paying attribute, adjusting described every kind of priority paying attribute.

23. devices according to claim 19 are it is characterised in that described first determining module includes：

Calculating sub module, for according to described at least one score value paying the attribute corresponding each means of payment of difference, calculating institute State each means of payment corresponding total score respectively；

Second sorting sub-module, for according to described each means of payment corresponding total score respectively, entering to described each means of payment Row sequence；

3rd determination sub-module, for the sequence according to described each means of payment, determines that described at least one attribute that pays is constituted Described second mapping relations paying between community set and described each means of payment.

24. devices according to claim 19 are it is characterised in that described payment attribute is included as at least in properties Kind：Collecting account type, payment success rate, level payment deadline, the single fee.

If 25. devices according to claim 19 are it is characterised in that described mapping relations include described first mapping relations With described second mapping relations；

Described selecting module specifically for：

26. devices according to claim 25 are it is characterised in that described selecting module is additionally operable to：

27. devices according to claim 25 are it is characterised in that also include：

Statistical module, carries out the frequency of failure of payment processes for statistics using described first mapping relations；

Removing module, for when the described frequency of failure reaches predetermined threshold value, deleting described first mapping relations.

28. devices according to claim 19 are it is characterised in that also include：

Second generation module, for generating payment record corresponding with described pending payment information.