CN106408278B

CN106408278B - Payment method and device

Info

Publication number: CN106408278B
Application number: CN201610811731.3A
Authority: CN
Inventors: 仓晨阳
Original assignee: Beijing Xingxuan Technology Co Ltd
Current assignee: Beijing Xingxuan Technology Co Ltd
Priority date: 2016-09-08
Filing date: 2016-09-08
Publication date: 2021-09-24
Anticipated expiration: 2036-09-08
Also published as: CN106408278A

Abstract

The embodiment of the invention provides a payment method and a payment device, wherein the method comprises the following steps: generating information to be paid according to the order; selecting a payment mode corresponding to the information to be paid; and carrying out payment processing on the information to be paid by adopting the selected payment mode. When the service platform needs to pay for a merchant, for example, the service platform can automatically select a payment mode suitable for the payment from a plurality of payment modes to respond, and the selective configuration of the service platform can overcome the adverse effect of a fixed single payment mode on the payment success. As each piece of information to be paid is selected in real time, a certain payment mode corresponding to the information to be paid is selected, and the payment flexibility of the service platform is expanded.

Description

Payment method and device

Technical Field

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

Background

With the continuous development of internet technology, people's travel modes, shopping modes, etc. have been greatly changed, and Online To Offline (O2O for short) modes such as Online shopping and take-away meal ordering greatly facilitate people's lives.

In the O2O mode, each service provider (e.g., each catering merchant) displays its own merchandise information on the service platform in cooperation with the service platform for the user to choose to purchase. When a certain user places an order to purchase a certain commodity and finishes payment, the service platform needs to fund the payment amount of the user to an account of a service provider according to a protocol based on a pre-agreed settlement protocol.

Disclosure of Invention

At present, the payment method for paying to the account of the service provider generally adopted by the service platform is as follows: the service provider is paid by some fixed payment means, such as by some third party payment means.

The fixed single payment mode is adopted for payment, if the single payment mode cannot normally operate due to network abnormality, payment system abnormality and the like, payment failure can be caused, and the payment flexibility of the service platform is limited.

In view of this, embodiments of the present invention provide a payment method and apparatus, so as to overcome the problems that payment fails and payment flexibility is poor easily caused when a single payment method is adopted to perform payment to a service provider in the prior art.

The embodiment of the invention provides a payment method, which comprises the following steps:

generating information to be paid according to the order;

selecting a payment mode corresponding to the information to be paid;

and carrying out payment processing on the information to be paid by adopting the selected payment mode.

Optionally, the selecting a payment method corresponding to the information to be paid includes:

and selecting a payment mode corresponding to the information to be paid according to the mapping relation between the payment attribute and the payment mode.

Optionally, before selecting the payment method corresponding to the information to be paid according to the mapping relationship between the payment attribute and the payment method, the method further includes:

acquiring payment mode selection setting information, wherein the payment mode selection setting information comprises a first mapping relation between payment attributes and payment modes, and the mapping relation comprises the first mapping relation;

the selecting the payment mode corresponding to the information to be paid according to the mapping relation between the payment attribute and the payment mode comprises the following steps:

and selecting a payment mode corresponding to the information to be paid according to the first mapping relation.

analyzing the historical payment record, and acquiring the value of each payment mode corresponding to at least one payment attribute;

determining a second mapping relation between the payment attributes and the payment modes according to the scores of the payment modes respectively corresponding to the at least one payment attribute, wherein the mapping relation comprises the second mapping relation;

and selecting a payment mode corresponding to the information to be paid according to the second mapping relation.

Optionally, if the mapping relationship includes the first mapping relationship and the second mapping relationship; the selecting the payment mode corresponding to the information to be paid according to the mapping relation between the payment attribute and the payment mode comprises the following steps:

determining a mapping relation with high priority according to the priority configuration information of the first mapping relation and the second mapping relation;

and selecting a payment mode corresponding to the information to be paid according to the mapping relation of the high priority.

Optionally, after the selecting the payment method corresponding to the information to be paid according to the mapping relationship of the high priority, the method further includes:

and if the payment processing fails by adopting the payment mode selected according to the mapping relation of the high priority, switching to the payment mode corresponding to the information to be paid according to the mapping relation of the low priority.

An embodiment of the present invention provides a payment device, including:

the first generation module is used for generating information to be paid according to the order;

the selection module is used for selecting a payment mode corresponding to the information to be paid;

and the processing module is used for carrying out payment processing on the information to be paid by adopting the selected payment mode.

Optionally, the selection module is specifically configured to: and selecting a payment mode corresponding to the information to be paid according to the mapping relation between the payment attribute and the payment mode.

Optionally, the payment apparatus further comprises: the payment system comprises an acquisition module, a payment module and a payment module, wherein the acquisition module is used for acquiring payment mode selection setting information which comprises a first mapping relation between payment attributes and payment modes, and the mapping relation comprises the first mapping relation;

correspondingly, the selection module is specifically configured to: and selecting a payment mode corresponding to the information to be paid according to the first mapping relation.

Optionally, the payment apparatus further comprises:

the analysis module is used for analyzing the historical payment records and obtaining the scores of the payment modes corresponding to at least one payment attribute;

the first determining module is used for determining a second mapping relation between the payment attributes and the payment modes according to the scores of the payment modes respectively corresponding to the at least one payment attribute, wherein the mapping relation comprises the second mapping relation;

correspondingly, the selection module is specifically configured to: and selecting a payment mode corresponding to the information to be paid according to the second mapping relation.

According to the payment method and device provided by the embodiment of the invention, after the service platform receives the order submitted by the user, the information to be paid is generated based on the order, namely the information to be paid including the payment amount and the account of the payee is generated, and further, the service platform selects the payment mode corresponding to the information to be paid, namely the payment mode used for responding to the information to be paid is selected, so that the payment processing is carried out on the information to be paid by adopting the selected payment mode.

In the embodiment of the invention, when the service platform needs to pay for a merchant, for example, the service platform can automatically select a payment mode suitable for the payment from a plurality of payment modes to respond, and the selectable configuration of the service platform can overcome the adverse effect of a fixed single payment mode on the payment success. As each piece of information to be paid is selected in real time, a certain payment mode corresponding to the information to be paid is selected, and the payment flexibility of the service platform is expanded.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and those skilled in the art can also obtain other drawings according to the drawings without creative efforts.

Fig. 1 is a flowchart of a first payment method provided in an embodiment of the present invention;

fig. 2 is a flowchart of a second payment method according to an embodiment of the present invention;

fig. 3 is a flowchart of a third payment method provided in the embodiment of the present invention;

FIG. 4 is a flow chart of an alternative implementation of step 302 in the embodiment shown in FIG. 3;

FIG. 5 is a flow chart of an alternative implementation of step 302 in the embodiment shown in FIG. 3;

FIG. 6 is a flow chart of an alternative implementation of step 304 in the embodiment shown in FIG. 3;

fig. 7 is a flowchart of a fourth payment method according to an embodiment of the present invention;

fig. 8 is a schematic structural diagram of a first payment apparatus according to an embodiment of the present invention;

fig. 9 is a schematic structural diagram of a second payment apparatus according to an embodiment of the present invention;

fig. 10 is a schematic structural diagram of a third payment apparatus according to an embodiment of the present invention;

fig. 11 is a schematic structural diagram of a fourth payment apparatus according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The terminology used in the embodiments of the invention is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used in the examples of the present invention and the appended claims, the singular forms "a", "an", and "the" are intended to include the plural forms as well, and "a" and "an" generally include at least two, but do not exclude at least one, unless the context clearly dictates otherwise.

It should be understood that the term "and/or" as used herein is merely one type of association that describes an associated object, meaning that three relationships may exist, e.g., a and/or B may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the character "/" herein generally indicates that the former and latter related objects are in an "or" relationship.

It should be understood that although the terms first, second, third, etc. may be used to describe XXX in embodiments of the present invention, these XXX should not be limited to these terms. These terms are only used to distinguish XXX from each other. For example, a first XXX may also be referred to as a second XXX, and similarly, a second XXX may also be referred to as a first XXX, without departing from the scope of embodiments of the present invention.

The words "if", as used herein, may be interpreted as "at … …" or "at … …" or "in response to a determination" or "in response to a detection", depending on the context. Similarly, the phrases "if determined" or "if detected (a stated condition or event)" may be interpreted as "when determined" or "in response to a determination" or "when detected (a stated condition or event)" or "in response to a detection (a stated condition or event)", depending on the context.

It is also noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a good or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such good or system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a commodity or system that includes the element.

Fig. 1 is a flowchart of a first embodiment of a payment method according to an embodiment of the present invention, where the payment method provided in this embodiment may be executed by a payment apparatus, the payment apparatus may be implemented as software, or implemented as a combination of software and hardware, the payment apparatus may be integrated in a device on a service platform side, such as a server, and hereinafter, the device integrated with the payment apparatus is referred to as a service platform without causing ambiguity. As shown in fig. 1, the method comprises the steps of:

step 101, generating information to be paid according to the order.

And 102, selecting a payment mode corresponding to the information to be paid.

And 103, carrying out payment processing on the information to be paid by adopting the selected payment mode.

The payment method provided by the embodiment of the invention can be applied to the following application scenes: and when the terminal user selects the commodity to be purchased in an online shopping mode, the payment is completed, and the service platform receives the order after submitting the order. Because the shopping process of the user may involve participation of different roles such as a service platform, a merchant, logistics and the like, the payment paid by the user needs to be distributed among the participating roles, namely, the service platform needs to pay a certain proportion of money to the merchant and the logistics party respectively based on a certain settlement agreement. Therefore, the payment process involved in the embodiment of the present invention mainly refers to a process in which the service platform pays the merchant and the logistics party, for example.

Since the payment amount included in the order received by the service platform needs to be allocated among the different participation roles, taking payment to the merchant as an example, the service platform needs to generate the information to be paid corresponding to the merchant based on the order.

It can be understood that the order includes the commodity purchased by the user, the amount of the paid commodity, the name of the merchant, and other information, and therefore, the service platform may extract the name of the merchant, the amount of the paid commodity, and other information from the order. Furthermore, the service platform may calculate and obtain the payment amount to be paid to the merchant based on the agreement with the merchant in advance and the locally stored account of each merchant, and determine the account corresponding to the merchant. Thus, the service platform may produce the information to be paid including the payment amount and the collection account.

It should be noted that the information to be paid includes the payment amount and the collection account only by way of example, and in practical applications, the information to be paid may further include other related data contents according to practical needs.

The service platform needs to select a payment mode, namely a payment mode corresponding to the information to be paid, in the process of generating the information to be paid and paying the payment amount to the collection account. That is to say, in the embodiment of the present invention, the service platform has an ability to select a payment method suitable for the currently generated information to be paid from a plurality of payment methods.

Specifically, a plurality of selectable payment modes can be set in the service platform for the automatic selection of the service platform. Optionally, the basis for selecting, by the service platform, the payment method corresponding to the current information to be paid from the multiple payment methods may be: and selecting the payment mode corresponding to the information to be paid according to the mapping relation between the payment attribute and the payment mode.

The payment attribute is used to characterize certain attribute characteristics of the payment method, and the attribute characteristics may be, for example: the payment mode is suitable for one or more of the attributes of account type, transaction amount upper limit, procedure charge of each transaction, success rate, average account arrival time and the like.

Therefore, it can be understood that, when the payment method corresponding to the information to be paid is selected according to the mapping relationship between the payment attribute and the payment method, optionally, the selection of the payment method may be performed based on the account type and/or the payment amount corresponding to the collection account in the information to be paid, in combination with the account type and the transaction amount upper limit corresponding to each payment method; optionally, a better payment method may be selected as the payment method corresponding to the information to be paid based on an index, such as a success rate, corresponding to each payment method.

The specific obtaining method related to the mapping relationship and the process of selecting the payment method corresponding to the information to be paid according to the mapping relationship will be described in detail in the following embodiments. In this embodiment, it is mainly intended to explain that the service platform is configured to have the capability of selecting a payment method suitable for the information to be paid from a plurality of payment methods.

And after the service platform selects the payment mode corresponding to the information to be paid, the service platform adopts the payment mode to complete the payment processing of the information to be paid, namely, the payment amount in the information to be paid is deposited into a payment account.

It should be noted that, in the embodiment of the present invention, the payment method may be a certain bank payment method, or may be a third party payment method, such as a payment treasure.

The payment method provided by the embodiment comprises the following steps: after receiving an order submitted by a user, the service platform generates information to be paid based on the order, namely, the information to be paid including payment amount and a payee account is generated, and then, the service platform selects a payment mode corresponding to the information to be paid, namely, selects a payment mode for responding to the information to be paid, so that payment processing is performed on the information to be paid by adopting the selected payment mode.

In this embodiment, when the service platform needs to pay for, for example, a merchant, the service platform may automatically select a payment method suitable for the payment from multiple payment methods to respond, and this optional configuration of the service platform may overcome an adverse effect of a fixed single payment method on the payment success. As each piece of information to be paid is selected in real time, a certain payment mode corresponding to the information to be paid is selected, and the payment flexibility of the service platform is expanded.

In the preceding examples, mention was made of: the payment mode corresponding to the information to be paid can be selected according to the mapping relation between the payment attribute and the payment mode. The manner of obtaining the mapping relationship and how to perform payment processing according to the mapping relationship will be described in detail below with reference to several embodiments.

Before describing in detail the specific embodiments, the obtaining of the mapping relationship will be summarized first.

In the embodiment of the present invention, the obtaining manner of the mapping relationship includes two manners, namely manual setting obtaining and automatic analysis obtaining, and for the purpose of distinguishing, the mapping relationship obtained by manual setting is hereinafter referred to as a first mapping relationship, and the mapping relationship obtained by automatic analysis of the service platform is referred to as a second mapping relationship. The two mapping relations may exist in the service platform alternatively or simultaneously, that is, the service platform may select the payment method corresponding to the information to be paid through the first mapping relation and/or the second mapping relation.

The process of manually setting and obtaining the first mapping relationship is described below with reference to the embodiment shown in fig. 2.

Fig. 2 is a flowchart of a second payment method provided in the embodiment of the present invention, and as shown in fig. 2, the method includes the following steps:

step 201, payment mode selection setting information is obtained, wherein the payment mode selection setting information comprises a first mapping relation between payment attributes and payment modes.

In this embodiment, the payment method selection setting information may be input into the service platform by a worker at the service platform side through interface configuration, and through the configuration operation, the worker configures the first mapping relationship between the payment attribute and the payment method into the service platform.

Optionally, the payment attributes include, but are not limited to, a collection account type and/or a transaction amount ceiling.

Taking the payment attribute as the type of the collection account as an example, it is equivalent to what payment method can be adopted by the staff to set the payment for the collection account of what type, that is, the corresponding relationship between the payment method and the collection account type is established.

Taking the upper limit of the transaction amount as an example, it is equivalent to that the corresponding relationship between the payment mode and the upper limit of the transaction amount can be set by the staff.

In an optional embodiment, the first mapping relationship manually set by the staff mainly considers the parameter content included in the information to be paid, for example, the information to be paid includes a payment receiving account, a payment amount, and the like.

Step 202, generating information to be paid according to the order.

This step is the same as the corresponding step in the embodiment shown in fig. 1, and is not described again.

And 203, selecting a payment mode corresponding to the information to be paid according to the first mapping relation.

And 204, carrying out payment processing on the information to be paid by adopting the selected payment mode.

In this embodiment, when the first mapping relationship manually set is stored in the service platform, the service platform selects a payment method corresponding to the information to be paid based on the first mapping relationship after generating the information to be paid. Specifically, the payment method may be selected based on the account type and/or the payment amount corresponding to the collection account in the information to be paid, in combination with the account type and the transaction amount upper limit corresponding to each payment method.

For example, assuming that the payment amount included in the information to be paid is Z, the account type of the receiving account is a type a, and assuming that the first mapping relationship is:

the payment method comprises the following steps that 1, the payment account type is an A-type account, and the upper limit of the transaction amount is X;

the payment mode 2 is that the type of the collection account is B type account, and the upper limit of the transaction amount is Y;

a payment mode 3, wherein the type of a collection account is an A-type account, and the upper limit of the transaction amount is Y;

wherein X is greater than Y and Z is less than Y.

Then, when the payment method corresponding to the information to be paid is selected based on the first mapping, an appropriate payment method may be selected from the above-described three sets of correspondences included in the first mapping based on the account type and the transaction amount upper limit. Under the assumption, the payment methods corresponding to the collection account type a in the information to be paid are payment method 1 and payment method 3, and the transaction amount upper limits of both payment methods can be applied to the payment amount Z in the information to be paid. Thus, it can be preliminarily determined that both the payment means 1 and the payment means 3 can be used for payment processing of the information to be paid.

When the above-exemplified case occurs, that is, at least two payment manners applicable to the information to be paid can be matched based on the first mapping relationship, optionally, one of the at least two payment manners may be randomly selected; optionally, further selections may be made based on other selection criteria, such as selecting a payment method with a high transaction amount.

It should be noted that, in this embodiment, only the information to be paid includes the payment information and the payment receiving account, but in practical application, the information to be paid may further include information such as a transaction type, and accordingly, the payment attribute in the first mapping relationship may also include an attribute of the transaction type, and a corresponding relationship of what payment method is suitable for what transaction type of transaction is set.

In this embodiment, the service platform may select the payment method corresponding to the information to be paid based on the manually set mapping relationship between the payment method and the payment attribute, so that the selected payment method is suitable for the currently generated information to be paid, and the service platform may flexibly select the corresponding payment method based on the information to be paid that needs to be processed currently, without being limited to a fixed payment method.

The following describes a process of automatically analyzing the setting and obtaining the second mapping relationship with reference to the embodiment shown in fig. 3.

Fig. 3 is a flowchart of a third payment method provided in the embodiment of the present invention, and as shown in fig. 3, the method includes the following steps:

step 301, analyzing the historical payment record, and obtaining the score of each payment mode corresponding to at least one payment attribute.

Step 302, determining a second mapping relationship between the payment attributes and the payment modes according to the obtained scores of the payment modes respectively corresponding to the at least one payment attribute.

And step 303, generating information to be paid according to the order.

And 304, selecting a payment mode corresponding to the information to be paid according to the second mapping relation.

And 305, performing payment processing on the information to be paid by adopting the selected payment mode.

For step 301, in this embodiment, the historical payment record may include a payment record corresponding to any payment information that has completed payment before the information to be paid is currently generated. Each payment record may include one or more of a corresponding payment method, a payment account, a time when payment information is sent to the payment, a payment completion time when the payment method feedback is received, a commission fee, a success/failure feedback prompt, and the like.

Based on the above information, all or a portion of the historical payment records may be analyzed from different payment attribute dimensions to measure each payment method from the different payment attribute dimensions.

Optionally, the payment attributes include at least one of the following attributes: the payment account type, the payment success rate, the average payment completion time and the single handling fee.

For the payment account types, the payment modes respectively corresponding to the same account type can be obtained through statistics by analyzing the account type corresponding to the payment account in each historical payment record and the adopted payment mode, and the score of each payment mode can be determined based on the statistical result of the accumulated use times of each payment mode. For example, it is assumed that, for the type a account, the payment method used when performing payment to the type a account is statistically determined to include payment method 1, payment method 2, and payment method 3, and the number of times of obtaining payment to the type a account by using the payment method 1 is counted as C1, the number of times of obtaining payment to the type a account by using the payment method 2 is counted as C2, and the number of times of obtaining payment to the type a account by using the payment method 3 is counted as C3. Then it can be determined that the scores corresponding to pay method 1, pay method 2, pay method 3 are C1, C2, C3, respectively, or the result of the number normalization.

For a single handling fee, several value intervals of the handling fee can be defined through analysis of a large number of historical payment records, and for each value interval, the payment mode of the handling fee falling into the value interval is determined. Furthermore, for each payment method falling into the same value interval, the ratio of the historical payment record of each payment method to all the payment records can be counted. At this time, the score of each payment method is determined by the weight of the corresponding numerical interval and the ratio of the value interval.

For the payment success rate, firstly, the total times of each payment mode is determined by counting the corresponding payment mode in each historical payment record; further, the total number of times of successful payment of each payment mode can be determined based on the payment success/failure prompt contained in each historical payment record; and finally, determining the success rate of each payment mode according to the ratio of the total times of successful payment of each payment mode to the total times of successful payment of each payment mode.

For the average payment completion time, firstly, classifying sets of all historical payment records according to different payment modes; for any set corresponding to payment methods: determining the payment completion time of the payment mode corresponding to each historical payment record according to the time when the payment information is sent to the payment and the payment completion time fed back by the payment mode, which are contained in each historical payment record; and then, the average payment completion time value corresponding to the payment mode can be determined by averaging the payment completion times corresponding to all the historical payment records in the set.

For step 302, after determining the score of each payment method corresponding to at least one payment attribute, a second mapping relationship between the payment attributes and the payment methods may be determined based on the score. Optionally, for the determination of the second mapping relationship, two optional implementations as shown in fig. 4 and fig. 5 may be adopted to implement:

fig. 4 is a flowchart of an alternative implementation of step 302 in the embodiment shown in fig. 3, and as shown in fig. 4, the method includes the following steps:

step 401, sorting the payment modes according to the value of each payment mode corresponding to each payment attribute.

And 402, determining the first N payment modes with the highest score corresponding to each payment attribute as the payment modes with the second mapping relation with each payment attribute.

Wherein N is a positive integer less than or equal to the total number of payment means.

In this embodiment, the second mapping relationship specifically includes a correspondence between a plurality of sets of payment attributes and payment manners, and each set of correspondence reflects a correspondence between a payment attribute and a plurality of payment manners. Therefore, in the present embodiment, the second mapping relationship is established from the perspective of a single payment attribute.

Specifically, for any payment attribute, after the scores of the multiple payment manners corresponding to the payment attribute have been obtained in step 301, the multiple payment manners may be sorted in descending order based on how many scores are, so as to intercept the payment manners ranked in the top N digits as the payment manners having the second mapping relationship with the payment attribute, that is, establish the second mapping relationship between the payment attribute and the payment manners ranked in the top N digits. The value of N may be set empirically, and is generally smaller than the number of all payment methods corresponding to the payment attribute.

Fig. 5 is a flowchart of another alternative implementation of step 302 in the embodiment shown in fig. 3, and as shown in fig. 4, the method includes the following steps:

step 501, calculating total scores corresponding to the payment modes according to the scores of the payment modes corresponding to the obtained at least one payment attribute.

And 502, sequencing the payment modes according to the total scores respectively corresponding to the payment modes.

Step 503, determining a second mapping relationship between a payment attribute set composed of at least one payment attribute and each payment mode according to the sequence of each payment mode.

In this embodiment, the second mapping relationship is established from the perspective of a payment method, that is, the second mapping relationship is established from the perspective of a payment attribute set. That is, in this embodiment, the second mapping relationship reflects a mapping relationship between the payment attribute set and the plurality of payment methods.

Specifically, after the scores of the plurality of payment methods corresponding to each payment attribute are obtained in step 301, the total score corresponding to the same payment method may be calculated and obtained, where the total score is determined according to the scores of the payment attributes corresponding to the payment method. Optionally, in the process of determining the total score, weights of different payment attributes may be considered, that is, the total score is a weighted sum of scores corresponding to the payment attributes.

And then, sequencing all payment modes in a descending order according to the total scores, thereby constructing a second mapping relation between the payment attribute set and each payment mode, wherein the second mapping relation represents the comprehensive performance sequencing result of each payment mode under the condition of considering the payment attributes in the payment attribute set.

Optionally, after the second mapping relationship is constructed by the embodiments shown in fig. 4 and fig. 5, selecting the payment method corresponding to the information to be paid according to the second mapping relationship in step 304 may be implemented based on the second mapping relationship constructed by the embodiment shown in fig. 4, and may also be implemented based on the second mapping relationship constructed by the embodiment shown in fig. 5.

When the second mapping relation constructed based on the embodiment shown in fig. 5 is implemented: alternatively, the payment means ranked first may be selected from among a plurality of means as the payment means corresponding to the information to be paid. Optionally, the current load conditions and the sorting conditions of various payment methods can be comprehensively considered, and a payment method with a relatively light load and a front ranking is selected from the multiple payment methods. Wherein, the load condition of the payment mode can be determined by counting the number of times each payment mode is used in a short time.

When the second mapping relation constructed based on the embodiment shown in fig. 4 is implemented, an implementation process of selecting a payment method corresponding to the information to be paid according to the second mapping relation in step 304 is specifically described with reference to fig. 6.

Fig. 6 is a flowchart of an alternative implementation of step 304 in the embodiment shown in fig. 3, and as shown in fig. 6, the method includes the following steps:

step 601, determining a first priority payment attribute according to the priority of each payment attribute.

Step 602, if there is no second payment method with a score equal to the score of the first payment method in the N payment methods corresponding to the first priority payment attribute, selecting the first payment method as the payment method corresponding to the information to be paid.

Step 603, if there is a second payment method with the score equal to the score of the first payment method in the N payment methods corresponding to the first priority payment attribute, comparing the scores of the second priority payment attributes corresponding to the first payment method and the second payment method respectively.

And step 604, selecting the payment mode with the higher score of the second priority payment attribute in the first payment mode and the second payment mode as the payment mode corresponding to the information to be paid.

It should be noted that the steps 602 and 603-604 are parallel timing relationships.

Since the second mapping relationship constructed based on the embodiment shown in fig. 4 reflects the corresponding relationship between the plurality of sets of payment attributes and payment methods, each set of corresponding relationship is independent of each other. Alternatively, in order to enable selection of a payment method based on different payment attributes, different priorities may be configured for each payment attribute. The priority of the different payment attributes may be set in advance manually based on the importance of the different payment attributes.

Therefore, in the process of selecting the payment method corresponding to the information to be paid based on the second mapping relationship, the first priority payment attribute may be determined according to the priority of each payment attribute, and further, optionally, the first payment method ranked first may be selected as the payment method corresponding to the information to be paid from the N payment methods corresponding to the first priority payment attribute.

In practical applications, there is a possible situation that: for any payment attribute, the scores may be equal in the N payment methods corresponding to the payment attribute. At this time, for the payment methods with equal scores, the ranking may be randomly determined on the premise that the ranking is not higher than the score and not lower than the score. Then, for a certain payment attribute, there may be cases where the payment means of the first few digits have the same score.

Therefore, alternatively, if there is no second payment method having a score equal to the score of the first payment method among the N payment methods corresponding to the first priority payment attribute, the first payment method may be selected as the payment method corresponding to the information to be paid.

In addition, optionally, if there is a second payment method with a score equal to the score of the first payment method in the N payment methods corresponding to the first priority payment attribute, the scores of the second priority payment attributes corresponding to the first payment method and the second payment method respectively are compared, and the payment method with the higher score of the second priority payment attribute in the first payment method and the second payment method is selected as the payment method corresponding to the information to be paid.

That is, when the scores of the first several payment methods corresponding to the first priority payment attribute are the same, the scores of the second priority payment attributes corresponding to the several payment methods may be considered, and one payment method with a higher score corresponding to the second priority payment attribute may be selected. Of course, if the scores of the second priority payment attributes corresponding to the several payment methods are also the same, the scores of the third priority payment attributes are continuously compared until one payment method is selected. In this case, the ranking of one payment mode in terms of different payment attributes is considered in a vertical and comprehensive mode.

In some optional embodiments, the priority of each payment attribute may be dynamically changed, and the priority order of each payment attribute may be dynamically adjusted based on the performance of each payment attribute over a certain period of time. Such as: determining the change condition of each payment attribute according to the value of each payment mode corresponding to each payment attribute in a preset time period; and adjusting the priority of each payment attribute according to the change condition of each payment attribute.

Optionally, the change condition of each payment attribute may be embodied as a change condition of a total score value of the corresponding multiple payment manners, or may be embodied as a weighting result of a change condition of a score value of each payment manner of the corresponding multiple payment manners, and the weighting may determine a weighting coefficient of each payment manner according to the ordering of the payment manners. Accordingly, if a change in a certain payment attribute over a different time period indicates that the payment attribute is behaving erratically, its priority order may be adjusted downward.

Through the embodiment, the service platform selects the payment mode corresponding to the information to be paid based on the mapping relation between the payment mode and the payment attribute set by automatic analysis, so that the selected payment mode has relatively better performance, such as higher success rate, better timeliness of account arrival, lower handling fee and the like, and is better suitable for the currently generated information to be paid. The payment mode is selected based on the mapping relation, so that the service platform can select the appropriate payment mode more flexibly without being limited to a fixed payment mode.

Fig. 7 is a flowchart of a fourth payment method according to an embodiment of the present invention, and on the basis of the embodiments shown in fig. 2 to fig. 6, when the service platform stores the first mapping relationship and the second mapping relationship at the same time, as shown in fig. 7, the method includes the following steps:

step 701, generating information to be paid according to the order.

Step 702, determining a high-priority mapping relation according to the priority configuration information of the first mapping relation and the second mapping relation.

In this embodiment, when the service platform stores the first mapping relationship and the second mapping relationship at the same time, priorities of the two second mapping relationships may be configured in advance.

And 703, selecting a payment mode corresponding to the information to be paid according to the mapping relation of the high priority.

When the mapping relationship with the high priority is the first mapping relationship, the embodiment shown in fig. 2 may be used to select the payment method, and when the mapping relationship with the high priority is the second mapping relationship, the embodiments shown in fig. 3 to 6 may be used to select the payment method, which is not described herein again.

It should be noted that, in some optional embodiments, if the payment processing fails to be performed by using the payment method selected according to the mapping relationship with the high priority, the payment method corresponding to the information to be paid is selected according to the mapping relationship with the low priority.

And 704, performing payment processing on the information to be paid by adopting the selected payment mode.

Step 705, generating a payment record corresponding to the information to be paid.

In some optional embodiments, since the first mapping relationship is manually set and relatively fixed, and may no longer be suitable as a selection basis for performing a payment method as time passes, at this time, the failure times of performing payment processing using the first mapping relationship are counted, and when the failure times reach a preset threshold, the first mapping relationship is deleted.

In the embodiment of the invention, when two different mapping relations are stored in the service platform, which mapping relation is used can be selected based on the priority order set by the user so as to meet the requirements of the user. Through the statistics of the failure times of the mapping relation, the mapping relation which is not suitable for reuse is deleted, and the influence of the redundancy of the mapping relation on the selection efficiency of the payment mode is avoided.

The payment device of one or more embodiments of the present invention will be described in detail below. These payment means may be implemented in the infrastructure of the server, or in the interactive system of the server and the client. Those skilled in the art will appreciate that these payment devices may each be configured using commercially available hardware components through the steps taught by the present solution.

Fig. 8 is a schematic structural diagram of a first payment apparatus provided in an embodiment of the present invention, and as shown in fig. 8, the payment apparatus includes: a first generation module 11, a selection module 12 and a processing module 13.

And the first generation module 11 is used for generating the information to be paid according to the order.

And the selection module 12 is used for selecting a payment mode corresponding to the information to be paid.

And the processing module 13 is configured to perform payment processing on the information to be paid by using the selected payment method.

Optionally, the selecting module 12 is specifically configured to: and selecting a payment mode corresponding to the information to be paid according to the mapping relation between the payment attribute and the payment mode.

The apparatus shown in fig. 8 can perform the method of the embodiment shown in fig. 1, and reference may be made to the related description of the embodiment shown in fig. 1 for a part of this embodiment that is not described in detail. The implementation process and technical effect of the technical solution refer to the description in the embodiment shown in fig. 1, and are not described herein again.

Fig. 9 is a schematic structural diagram of a second payment apparatus according to an embodiment of the present invention, as shown in fig. 9, based on the embodiment shown in fig. 8, the payment apparatus further includes: an acquisition module 21.

The obtaining module 21 is configured to obtain payment method selection setting information, where the payment method selection setting information includes a first mapping relationship between a payment attribute and a payment method, and the mapping relationship includes the first mapping relationship.

Accordingly, the selection module 12 is specifically configured to: and selecting a payment mode corresponding to the information to be paid according to the first mapping relation.

Optionally, the payment attributes include a collection account type and/or a transaction amount cap.

The apparatus shown in fig. 9 can perform the method of the embodiment shown in fig. 2, and reference may be made to the related description of the embodiment shown in fig. 2 for a part of this embodiment that is not described in detail. The implementation process and technical effect of the technical solution refer to the description in the embodiment shown in fig. 2, and are not described herein again.

Fig. 10 is a schematic structural diagram of a third payment apparatus according to an embodiment of the present invention, as shown in fig. 10, based on the embodiment shown in fig. 8, the payment apparatus further includes: an analysis module 31 and a first determination module 32.

And the analysis module 31 is configured to analyze the historical payment records and obtain the scores of the payment manners corresponding to the at least one payment attribute.

The first determining module 32 is configured to determine, according to the scores of the payment manners respectively corresponding to the at least one payment attribute, a second mapping relationship between the payment attributes and the payment manners, where the mapping relationship includes the second mapping relationship.

Accordingly, the selection module 12 is specifically configured to: and selecting a payment mode corresponding to the information to be paid according to the second mapping relation.

Optionally, the first determining module 32 includes: a first sequencing submodule 321 and a first determining submodule 322.

The first ordering submodule 321 is configured to order the payment manners according to the scores of the payment manners corresponding to each payment attribute.

The first determining sub-module 322 is configured to determine that the first N payment manners with the highest score corresponding to each payment attribute are the payment manners having the second mapping relationship with each payment attribute, where N is a positive integer smaller than or equal to the total number of payment manners.

Accordingly, the selection module 12 comprises: a second determination submodule 121, a first selection submodule 122, a comparison submodule 123, a second selection submodule 124.

A second determining submodule 121, configured to determine the first priority payment attribute according to the priority of each payment attribute.

The first selecting sub-module 122 is configured to, if there is no second payment method with a score equal to the score of the first payment method in the N payment methods corresponding to the first priority payment attribute, select the first payment method as the payment method corresponding to the information to be paid.

The comparison submodule 123 is configured to, if there is a second payment method with a score equal to the score of the first payment method in the N payment methods corresponding to the first priority payment attribute, compare the scores of the second priority payment attributes corresponding to the first payment method and the second payment method, respectively.

The second selecting submodule 124 is configured to select a payment method with a higher score of the second priority payment attribute in the first payment method and the second payment method as the payment method corresponding to the information to be paid.

Optionally, the payment apparatus further comprises: a second determination module 33, and an adjustment module 34.

The second determining module 33 is configured to determine a change condition of each payment attribute according to the score of each payment method corresponding to each payment attribute in a preset time period.

And the adjusting module 34 is configured to adjust the priority of each payment attribute according to the change condition of each payment attribute.

Optionally, the first determining module 32 includes: a calculation submodule 323, a second sorting submodule 324, and a third determination submodule 325.

The calculating submodule 323 is configured to calculate, according to the scores of the payment manners respectively corresponding to the at least one payment attribute, total scores respectively corresponding to the payment manners.

The second sorting sub-module 324 is configured to sort the payment manners according to the total scores corresponding to the payment manners.

A third determining submodule 325, configured to determine, according to the ranking of the payment manners, the second mapping relationship between the payment attribute set formed by the at least one payment attribute and the payment manners.

The apparatus shown in fig. 10 can perform the method of the embodiment shown in fig. 3 to 6, and reference may be made to the related description of the embodiment shown in fig. 3 to 6 for a part not described in detail in this embodiment. The implementation process and technical effect of the technical solution refer to the descriptions in the embodiments shown in fig. 3 to fig. 6, and are not described herein again.

Fig. 11 is a schematic structural diagram of a fourth payment apparatus according to an embodiment of the present invention, as shown in fig. 11, on the basis of the foregoing embodiment, if the mapping relationship includes the first mapping relationship and the second mapping relationship, the selecting module 12 is specifically configured to: determining a mapping relation with high priority according to the priority configuration information of the first mapping relation and the second mapping relation; and selecting a payment mode corresponding to the information to be paid according to the mapping relation of the high priority.

Optionally, the selecting module 12 is further configured to: and if the payment processing fails by adopting the payment mode selected according to the mapping relation of the high priority, switching to the payment mode corresponding to the information to be paid according to the mapping relation of the low priority.

Optionally, the payment apparatus further comprises: a statistic module 41, a deleting module 42 and a second generating module 43.

A counting module 41, configured to count the number of times of failure of the payment processing performed by using the first mapping relationship;

and a deleting module 42, configured to delete the first mapping relationship when the failure frequency reaches a preset threshold.

And a second generating module 43, configured to generate a payment record corresponding to the information to be paid.

The apparatus shown in fig. 11 can execute the method of the embodiment shown in fig. 7, and reference may be made to the related description of the embodiment shown in fig. 7 for a part of this embodiment that is not described in detail. The implementation process and technical effect of the technical solution are described in the embodiment shown in fig. 7, and are not described herein again.

Having described the internal functions and structure of the payment apparatus, in practice, the payment apparatus may be implemented as a server, including: an input device, a processor;

the input equipment is used for receiving orders;

the processor, coupled to the input device, is used for generating information to be paid according to the order; selecting a payment mode corresponding to the information to be paid; and carrying out payment processing on the information to be paid by adopting the selected payment mode.

Optionally, the processor is further configured to perform all or part of the steps of the method shown in fig. 1 to 7.

The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.

Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment can be implemented by adding a necessary general hardware platform, and certainly, the embodiments can also be implemented by hardware. With this understanding in mind, the above technical solutions may be embodied in the form of a computer-readable storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., which includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute the methods according to the various embodiments or some parts of the embodiments.

Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.

Claims

1. A payment method, comprising:

generating information to be paid of the service platform according to the order, wherein the information to be paid comprises an account type and/or a payment amount corresponding to a collection account;

selecting a payment mode of the service platform corresponding to the information to be paid;

carrying out payment processing on the information to be paid by adopting the selected payment mode of the service platform;

wherein, the selecting the payment mode of the service platform corresponding to the information to be paid comprises: selecting a payment mode of the service platform corresponding to the information to be paid according to a mapping relation between payment attributes and the payment modes; the payment attributes include a collection account type and/or a transaction amount cap.

2. The method as claimed in claim 1, wherein before selecting the payment method corresponding to the information to be paid according to the mapping relationship between the payment attributes and the payment methods, the method further comprises:

3. The method as claimed in claim 2, wherein before selecting the payment method corresponding to the information to be paid according to the mapping relationship between the payment attributes and the payment methods, the method further comprises:

4. The method according to claim 3, wherein the determining a second mapping relationship between the payment attributes and the payment means according to the scores of the payment means corresponding to the at least one payment attribute respectively comprises:

sequencing the payment modes according to the value of each payment mode corresponding to each payment attribute;

and determining the first N payment modes with the highest score corresponding to each payment attribute as the payment modes with the second mapping relation with each payment attribute, wherein N is a positive integer less than or equal to the total number of the payment modes.

5. The method according to claim 4, wherein the selecting a payment method corresponding to the information to be paid according to the second mapping relationship comprises:

determining a first priority payment attribute according to the priority of each payment attribute;

if a second payment mode with the value equal to that of the first payment mode does not exist in the N payment modes corresponding to the first priority payment attribute, selecting the first payment mode as the payment mode corresponding to the information to be paid;

if a second payment mode with the value equal to that of the first payment mode exists in the N payment modes corresponding to the first priority payment attribute, comparing the values of the second priority payment attributes corresponding to the first payment mode and the second payment mode respectively;

and selecting the payment mode with higher score of the second priority payment attribute in the first payment mode and the second payment mode as the payment mode corresponding to the information to be paid.

6. The method of claim 5, further comprising:

determining the change condition of each payment attribute according to the value of each payment mode corresponding to each payment attribute in a preset time period;

and adjusting the priority of each payment attribute according to the change condition of each payment attribute.

7. The method according to claim 3, wherein the determining a second mapping relationship between the payment attributes and the payment means according to the scores of the payment means corresponding to the at least one payment attribute respectively comprises:

calculating total scores corresponding to the payment modes respectively according to the scores of the payment modes corresponding to the at least one payment attribute respectively;

sorting the payment modes according to the total scores corresponding to the payment modes respectively;

and determining the second mapping relation between the payment attribute set formed by the at least one payment attribute and each payment mode according to the sequence of each payment mode.

8. The method of claim 3, wherein the payment attributes include at least one of: the payment account type, the payment success rate, the average payment completion time and the single handling fee.

9. The method of claim 3, wherein if the mapping relationship comprises the first mapping relationship and the second mapping relationship;

10. The method as claimed in claim 9, wherein after selecting the payment method corresponding to the information to be paid according to the mapping relationship of high priority, the method further comprises:

11. The method of claim 9, further comprising:

counting the failure times of payment processing by adopting the first mapping relation;

and deleting the first mapping relation when the failure times reach a preset threshold value.

12. The method as claimed in claim 3, wherein after the payment processing is performed on the information to be paid by using the selected payment method, the method further comprises:

and generating a payment record corresponding to the information to be paid.

13. A payment device, comprising:

the first generation module is used for generating information to be paid of the service platform according to the order, wherein the information to be paid comprises an account type and/or a payment amount corresponding to a collection account;

the selection module is used for selecting the payment mode of the service platform corresponding to the information to be paid;

the processing module is used for carrying out payment processing on the information to be paid by adopting the payment mode of the selected service platform;

wherein the selection module is specifically configured to: selecting a payment mode of the service platform corresponding to the information to be paid according to a mapping relation between payment attributes and the payment modes; the payment attributes include a collection account type and/or a transaction amount cap.

14. The apparatus of claim 13, further comprising:

the payment system comprises an acquisition module, a payment module and a payment module, wherein the acquisition module is used for acquiring payment mode selection setting information which comprises a first mapping relation between payment attributes and payment modes, and the mapping relation comprises the first mapping relation;

the selection module is specifically configured to:

15. The apparatus of claim 14, further comprising:

the selection module is specifically configured to:

16. The apparatus of claim 15, wherein the first determining module comprises:

the first sequencing submodule is used for sequencing the payment modes according to the value of each payment mode corresponding to each payment attribute;

and the first determining submodule is used for determining the first N payment modes with the highest score corresponding to each payment attribute as the payment modes with the second mapping relation with each payment attribute, wherein N is a positive integer less than or equal to the total number of the payment modes.

17. The apparatus of claim 16, wherein the selection module comprises:

the second determining submodule is used for determining the first priority payment attribute according to the priority of each payment attribute;

a first selection submodule, configured to select the first payment method as the payment method corresponding to the information to be paid if a second payment method with a score equal to a score of the first payment method does not exist in the N payment methods corresponding to the first priority payment attribute;

a comparison submodule, configured to compare scores of second priority payment attributes corresponding to the first payment manner and the second payment manner, if there is a second payment manner whose score is equal to the score of the first payment manner among the N payment manners corresponding to the first priority payment attribute;

and the second selection submodule is used for selecting the payment mode with higher score of the second priority payment attribute in the first payment mode and the second payment mode as the payment mode corresponding to the information to be paid.

18. The apparatus of claim 17, further comprising:

the second determining module is used for determining the change condition of each payment attribute according to the value of each payment mode corresponding to each payment attribute in a preset time period;

and the adjusting module is used for adjusting the priority of each payment attribute according to the change condition of each payment attribute.

19. The apparatus of claim 15, wherein the first determining module comprises: the calculation submodule is used for calculating the total score value corresponding to each payment mode according to the 25 scores of each payment mode corresponding to the at least one payment attribute;

the second sorting submodule is used for sorting the payment modes according to the total scores respectively corresponding to the payment modes;

and the third determining submodule is used for determining the second mapping relation between the payment attribute set formed by the at least one payment attribute and each payment mode according to the sequence of each payment mode.

20. The apparatus of claim 15, wherein the payment attributes comprise at least one of: the payment account type, the payment success rate, the average payment completion time and the single handling fee.

21. The apparatus of claim 15, wherein if the mapping relationship comprises the first mapping relationship and the second mapping relationship;

the selection module is specifically configured to:

22. The apparatus of claim 21, wherein the selection module is further configured to:

23. The apparatus of claim 21, further comprising:

the statistical module is used for counting the failure times of payment processing by adopting the first mapping relation;

and the deleting module is used for deleting the first mapping relation when the failure times reach a preset threshold value.

24. The apparatus of claim 15, further comprising:

and the second generation module is used for generating a payment record corresponding to the information to be paid.

25. A computer storage medium storing a computer program which causes a computer to carry out a payment method as claimed in any one of claims 1 to 12 when executed.

26. An electronic device comprising a processor, a memory to store one or more computer instructions, wherein the one or more computer instructions, when executed by the processor, implement: