CN108460587B - System and method for expanding payment path - Google Patents

System and method for expanding payment path Download PDF

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CN108460587B
CN108460587B CN201710089088.2A CN201710089088A CN108460587B CN 108460587 B CN108460587 B CN 108460587B CN 201710089088 A CN201710089088 A CN 201710089088A CN 108460587 B CN108460587 B CN 108460587B
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CN108460587A (en
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郭建军
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks

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Abstract

本申请公开了一种扩展支付途径的系统，包括：客户端、途径扩展装置以及至少一家途径提供商。该途径扩展装置包括：用于获取商家提供的全部优惠信息，并为消费者提供至少一种支付选择的提示模块、用于确定消费者所选择的支付途径的确认模块、用于分析消费者是否具备该支付途径的支付资格的分析模块、用于在消费者不具备支付资格时，自动生成扩展支付途径的扩展模块以及用于消费者通过扩展支付途径进行支付的支付模块。本申请提供的系统，能够简化开通支付途径的过程，使不具备对应支付途径的消费者享受到优惠；并且能为支付途径提供商提供更多的使用用户；提高了服务效率，保障消费安全。此外，本申请还公开了一种扩展支付途径的方法。

Figure 201710089088

The present application discloses a system for expanding payment channels, including: a client, a channel expansion device, and at least one channel provider. The channel extension device includes: a prompt module for acquiring all the preferential information provided by the merchant and providing consumers with at least one payment option, a confirmation module for determining the payment channel selected by the consumer, and analyzing whether the consumer is An analysis module with the payment qualification of the payment method, an extension module for automatically generating an extended payment method when the consumer does not have the payment qualification, and a payment module for the consumer to pay through the extended payment method. The system provided by this application can simplify the process of opening payment channels, so that consumers who do not have corresponding payment channels can enjoy preferential treatment; and can provide more users for payment channel providers; improve service efficiency and ensure consumption safety. In addition, the present application also discloses a method for expanding payment channels.

Figure 201710089088

Description

System and method for expanding payment path
Technical Field
The application belongs to the field of payment, and particularly relates to a system and a method for expanding a payment path.
Background
As society continues to advance, more and more payment methods are accepted by consumers, and payment institutions usually enter into a cooperative agreement with merchants due to business development needs, that is, providing some form of benefit encourages consumers to use the payment means provided by the payment institutions. The consumer usually needs to pass through the modes of on-line registration or off-line handling and the like when opening the payment way, the on-line registration mode must depend on the network environment, and the operation of the registration process is relatively complex; especially for the older people, due to the fact that emerging things are involved, certain differences exist in application habits and recognition degrees, and the online registration mode is difficult to adapt; the offline transaction mode takes a long waiting time.
In the current life, because each consumer may have a certain difference in the selection of the payment route, after the consumer is in a consumption activity, if the consumer does not select the payment route with the preference activity for payment, the consumer cannot enjoy the preference activity possessed by the merchant. And automatic expansion of payment routes is not possible in the prior art.
Disclosure of Invention
In view of this, the present application provides a system and a method for expanding a payment route, which aim to solve the problems in the prior art that when a consumer does not have a corresponding payment route, the consumer cannot enjoy a discount and cannot expand the payment route for the consumer.
In order to solve the above technical problem, the present application further provides a system for expanding a payment route, including: the system comprises a client, a route expansion device and at least one route provider; the route expanding device includes:
a prompt module: the system is used for acquiring all preferential information provided by a merchant and providing at least one payment choice according to the consumption condition of a consumer;
a confirmation module: the payment system is used for responding to the operation of the consumer and determining the payment route selected by the consumer;
an analysis module: analyzing whether the consumer qualifies for payment to determine a payment route;
an expansion module: the system comprises an analysis module, a payment module and a payment module, wherein the analysis module is used for automatically generating an expanded payment path matched with a consumer when the consumer does not have payment qualification according to the analysis condition of the analysis module;
a payment module: for the consumer to pay by extending the payment route.
Further, the expansion module includes:
an information receiving unit: for receiving information provided by a consumer of an available payment route;
a calling and recording unit: the system is used for calling identity information of the consumer from the information of the payment route provided by the consumer and recording the identity information of the consumer to a provider of the payment route to be expanded;
a channel generation unit: the system comprises a virtual payment channel used for generating a payment path to be expanded;
an association unit: for associating the payment route possessed by the consumer with the virtual payment channel.
Further, the expansion module further comprises:
a linking unit: for establishing a single link between the merchant collection account and the virtual payment channel.
Further, the payment module includes:
a calculation unit: for calculating or accumulating the amount of money in the payment route provided by the consumer;
a comparison unit: and the payment device is used for comparing the calculated amount calculated by the calculating unit with the amount to be paid, and when the calculated amount is greater than or equal to the amount to be paid, the payment is carried out through the virtual payment channel.
Further, the approach expansion apparatus further includes:
a storage unit: and the system is used for storing and recording the generated extended payment routes.
The application also provides a method for expanding payment routes, which comprises the following steps:
acquiring all offer information provided by merchants, and providing at least one payment option according to the consumption condition of consumers;
determining a payment route selected by the consumer in response to the operation of the consumer;
judging whether the consumer has payment qualification for determining a payment route;
when the consumer does not have payment qualification, automatically generating an expanded payment path matched with the consumer;
the consumer makes payment by extending the payment route.
Further, when the consumer does not have payment qualification, the step of automatically generating an extended payment route matched with the consumer specifically comprises:
receiving an provided payment route provided by a consumer;
the identity information of the consumer is called from the information of the payment path provided by the consumer, and the record is made to the provider of the payment path to be expanded;
generating a virtual payment channel under a payment path to be expanded;
the payment route possessed by the consumer is associated with the virtual payment channel.
Further, in the step of automatically generating an extended payment route matching with the consumer when the consumer does not have the payment qualification, the method further comprises the following steps:
a single link is established between the merchant collection account and the virtual payment channel.
Further, the step of completing the payment by the consumer through expanding the payment path specifically comprises:
calculating or accumulating the amount of money in the payment route possessed by the consumer;
and comparing the calculated amount with the amount to be paid, and paying through the virtual payment channel when the calculated amount is greater than or equal to the amount to be paid.
Further, the method further comprises:
and storing and recording the generated extended payment routes.
Compared with the prior art, the application can obtain the following technical effects: by automatically expanding the payment path, the registration application and verification process for opening the payment path is greatly simplified, so that consumers without the corresponding payment path can enjoy the benefits; secondly, more users can be provided for a payment path provider through an information filing mechanism and a generated virtual payment channel system; thirdly, the cash register pressure of the cashier of the merchant can be reduced by associating the financial account of the merchant with the virtual payment channel, so that the service efficiency is improved; in addition, the consumption safety of the consumer can be fully guaranteed by executing the form of single link payment.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:
FIG. 1 is a system architecture diagram of a system for providing extended payment routing in accordance with an embodiment of the present application;
FIG. 2 is a schematic structural diagram of the expansion module 240 in FIG. 1;
FIG. 3 is a schematic diagram of the payment module 250 of FIG. 1;
FIG. 4 is a schematic structural diagram of a pathway expansion apparatus provided in the preferred embodiment of the present application;
FIG. 5 is a flow chart of a method for providing an extended payment routing method according to an embodiment of the present application;
FIG. 6 is a detailed flowchart of step S400 in FIG. 5;
fig. 7 is a detailed flowchart of step S500 in fig. 5.
Detailed Description
Embodiments of the present application will be described in detail with reference to the drawings and examples, so that how to implement technical means to solve technical problems and achieve technical effects of the present application can be fully understood and implemented.
Fig. 1 is a system architecture diagram of a system for providing extended payment routing according to an embodiment of the present application.
The system for expanding the payment route in the embodiment of the invention comprises: the payment routing system comprises a client 100, a routing expansion device 200 and at least one payment routing provider 300, wherein the routing expansion device 200 and the routing provider 300 can be connected in a wired or wireless mode. The client 100 is used for a consumer to provide a payment path, and specifically, the client 100 may be a handheld mobile terminal such as a mobile phone, a tablet computer, and a PDA.
The pathway expansion apparatus 200 includes: a reminder module 210, a confirmation module 220, an analysis module 230, an extension module 240, and a payment module 250 and a storage module 260.
The prompting module 210 is configured to obtain all offer information provided by the merchant, and provide at least one payment option according to the consumption condition of the consumer, and the prompting module 210 also has a display function.
The confirmation module 220 is used for responding to the operation of the consumer and determining the payment route selected by the consumer;
the analysis module 230 is used for analyzing whether the consumer qualifies for payment in the selected payment route of the confirmation module 220;
the expansion module 240 is used for automatically generating an expanded payment path matched with the consumer when the consumer does not have payment qualification according to the analysis condition of the analysis module 230;
please refer to fig. 2, which is a schematic structural diagram of the analysis module 240 in fig. 1.
The analysis module 240 includes: information receiving section 241, calling and recording section 242, channel generating section 243, associating section 244, and linking section 245, which are connected in this order. The information receiving unit 241 is used for receiving the information of the payment route provided by the consumer through the client 100; the calling and registering unit 242 is configured to call the identity information of the consumer from the information of the payment route received by the information receiving unit 241, and register the identity information to the payment route provider 300; when the payment route provider 300 receives the docketing information, the channel generating unit 243 is configured to generate a virtual payment channel in the payment route to be expanded, where the virtual payment channel generated by the channel generating unit 243 is matched with the docketing information in the payment route provider 300; the associating unit 244 is configured to associate the payment route provided by the consumer with the virtual payment channel. Linking unit 245 is used to establish a single link between the merchant collection account and the virtual payment channel.
The payment module 250 is used for the consumer to make payment by extending the payment route.
Fig. 3 is a schematic structural diagram of the payment module 250 in fig. 1. The payment module 250 includes a calculation unit 251 and a comparison unit 252. The calculation unit 251 is used for calculating or cumulatively calculating the amount of money in the payment route possessed by the consumer. The comparing unit 252: for comparing the calculated amount calculated by the calculating unit 251 with the amount to be paid, and when the calculated amount is greater than or equal to the amount to be paid, paying through the virtual payment channel. In the preferred embodiment of the present invention, since the consumer may have a plurality of payment routes, the calculation unit may also perform cumulative calculation on the amount of money in the plurality of payment routes possessed by the consumer. For cash payments provided by consumers, the approach expansion device should be provided with cash register functionality.
Referring to fig. 4, a schematic structural diagram of a pathway expansion apparatus according to a preferred embodiment of the present invention is shown. The pathway extension apparatus 200 ' includes a prompt module 210 ', a confirmation module 220 ', an analysis module 230 ', an extension module 240 ', a payment module 250 ', and a storage module 260 '. The prompting module 210 ', the confirming module 220 ', the analyzing module 230 ', the expanding module 240 ' and the payment module 250 ' are connected in sequence, and the storage module 260 ' is connected with the expanding module 240 '. The storage module 260 'is used for storing and recording the extended payment route generated by the extension module 240'. In an embodiment of the present invention, the storage module 260' can also store the payment account of the merchant.
It should be noted that, since the prompting module 210 ', the confirming module 220 ', the analyzing module 230 ', the expanding module 240 ', and the payment module 250 ' have the same functions as the corresponding modules of the previous embodiment, no further description is provided herein.
For ease of understanding, a specific example is provided for illustration.
In the example, a certain restaurant and the paid treasures, the WeChat and the public comments reach a cooperative agreement and have corresponding preferential conditions; and also provides cash coupon repudiation activity. The consumer has only a trusted payment route and consumer a totals 510 dollars in the restaurant.
When the consumer settles the account, the prompt module in the payment path expansion device acquires all the currently provided preferential activities of the restaurant, and all the preferential activities are displayed in the prompt module, and the display content is shown in table 1.
Table 1: offer and corresponding pathway provider
Preferential activities Route provider
10 Yuan cashback Public comment
Using up to 30 yuan voucher Restaurant
Enjoy 8.Discount of 5 Payment device
Randomly extracting highest hundred yuan red packet WeChat
After the consumer a inputs the consumption amount 510 yuan, the prompt module displays the amount to be paid corresponding to various preferential activities according to the input of the consumer a, and the display content refers to table 2.
Table 2: amount to be paid corresponding to preferential activity
Preferential activities Route provider Amount to be paid (Yuan)
10 Yuan cashback Public comment 460
Using up to 30 yuan voucher Restaurant 480-510
Enjoy the advantage of 8.5 discount Payment device 433.5
Randomly extracting highest hundred yuan red packet WeChat 510
After the consumer A selects the preferential activity of enjoying the 8.5 discount preferential, the confirmation module confirms that the payment way selected by the consumer is 'pay treasure'.
Because the consumer A only has the WeChat payment way, the payment way that the consumer A does not have the Paibao at present is determined after the analysis of the analysis module.
The consumer A provides the WeChat account number of the consumer A, and the information receiving unit can acquire the information provided by the consumer A in a mode of scanning the WeChat two-dimensional code.
The calling and recording unit further analyzes the WeChat two-dimensional code to obtain a mobile phone number of the consumer A, the mobile phone number is used as identity information of the consumer A and is sent to a Payment treasure company, the Payment treasure company records the mobile phone number of the consumer A, and meanwhile, a virtual Payment treasure account number matched with the mobile phone number is generated. At this time, the consumer a has a payment path of the treasured payment, and can enjoy the preferential activities provided by the treasured payment company, and only 433.5 yuan needs to be paid for the consumption payment which originally needs 510 yuan, so that great benefit is obtained. Meanwhile, the Payment treasure company sends the virtual Payment treasure account number to a mobile phone of a consumer A, and the consumer A can convert the virtual Payment treasure account number into an actual Payment treasure account through subsequent submission and registration. Further, the path expansion devices can be connected with each other through a network, and a storage module in the path expansion device can store the mobile phone number of the consumer a and the generated virtual precious payment account number, that is, even if the consumer a does not convert the virtual precious payment account number into an actual precious payment account number, when the consumer a uses the path expansion device again, the consumer a can automatically have a payment path of the precious payment as long as the personal mobile phone number is provided. It should be noted that the virtual pay bank account number may also be generated in a single time.
After the association unit associates the WeChat payment channel of the consumer A with the virtual Paibao account number, the consumer A can use the virtual Paibao account number to pay. In order to facilitate the consumption process of the consumer A, the link unit automatically realizes single link between the merchant collection account and the virtual payer account number.
The payment process is as follows, when the amount in the WeChat payment route of the consumer A is greater than or equal to 433.5 yuan, the amount of the amount which is the same as the amount to be paid is transferred to the virtual PAO account, and meanwhile, because the virtual PAO account and the merchant collection account have a single link relation, after the virtual PAO account receives the amount to be paid, the amount is automatically transferred to the merchant collection account. It should be noted that the payroll company only records the amount of income and expenditure of the virtual account, and does not perform any action on receiving the procedure fee or providing other services. Compared with the prior art, the system for eliminating and expanding the payment way greatly simplifies the registration application and verification process for opening the payment way by automatically expanding the payment way, so that consumers without corresponding payment ways can enjoy benefits; secondly, more users can be provided for a payment path provider through an information filing mechanism and a generated virtual payment channel system; thirdly, the cash register pressure of the cashier of the merchant can be reduced by associating the financial account of the merchant with the virtual payment channel, so that the service efficiency is improved; in addition, the consumption safety of the consumer can be fully guaranteed by executing the form of single link payment.
Referring to fig. 5, a flowchart of a method for expanding payment routing is provided according to an embodiment of the present application.
It should be noted that, for the method of expanding payment route, if there is an unclear or unclear place, please refer to the illustration or description of the system of expanding payment route in fig. 1.
The method for expanding the payment route of the embodiment of the invention comprises the following steps:
s100, acquiring all offer information provided by a merchant, and providing at least one payment choice according to the consumption condition of a consumer;
in the embodiment of the invention, since the merchant usually has the offers provided by the providers through the cooperative relationship with a plurality of payment route providers, the merchant may also derive the offers specific to the merchant itself from the commercial consideration. Therefore, all the offers need to be presented to the consumer, and the presented content should at least include offer information and payment methods corresponding to the offers.
S200, responding to the operation of the consumer, and determining the payment way selected by the consumer;
in the embodiment of the present invention, after the consumer consumes at the merchant, the displayed offer information and the consumption amount provided in step S100 are combined, so that the amount of money actually paid and the payment route through which various offers need to be paid can be provided to the consumer. After the consumer selects, the corresponding payment route can be determined, and the consumer can enjoy the preferential activity corresponding to the payment route when paying through the payment route.
In other embodiments of the present invention, the payment route corresponding to the offer with the lowest actual payment amount may also be automatically selected.
S300, judging whether the consumer has the payment qualification of the final payment route;
since it is uncertain whether the consumer has the final payment route selected in step S200, the payment qualification of the consumer needs to be judged in this step, and if the consumer has the payment qualification of the final payment route, the consumer can directly pay on the premise of enjoying the preferential event. If the consumer does not have the final payment route selected in step S200, then step S400 is entered.
S400, when the consumer does not have payment qualification, automatically generating an expanded payment way matched with the consumer;
please refer to fig. 6, which is a detailed flowchart of step S400 in fig. 5. Step S400, specifically including:
s401, information of the payment route provided by the consumer;
when the consumer is not eligible for payment, any one of the available payment routes may be provided, and the payment route may be in various forms, such as cash payment, bank card payment, and network payment.
S402, calling identity information of the consumer from the information of the payment route provided by the consumer, and recording the identity information to a provider of the payment route to be expanded;
in the embodiment of the invention, the personal identity information of the consumer can be extracted from the payment route of the consumer or can be input by the consumer, when the consumer adopts the cash payment route, the personal identification number, the mobile phone number or other personal information of the consumer can be provided, and the other personal information can comprise various forms of identity information such as fingerprints, face recognition, voiceprints and the like. And after obtaining the personal identity information of the consumer, recording records to the provider of the payment path to be expanded. In a preferred embodiment of the present invention, when a consumer provides a two-dimensional code of a personal WeChat, a mobile phone number bound to the WeChat can be obtained by analyzing the WeChat two-dimensional code and extracting information. And the mobile phone number is taken as the identity information of the consumer to be filed on the supplier of the payment path to be expanded.
S403, generating a virtual payment channel under the payment route to be expanded;
in the embodiment of the invention, after the information recording is finished, the virtual payment channel corresponding to the expanded payment path is automatically generated under the identity information of the consumer. After the virtual payment channel is generated, feedback should be given to the consumer.
S404, associating the payment route of the consumer with the virtual payment channel;
in the embodiment of the invention, the payment route possessed by the consumer is associated with the virtual payment channel, so that the consumer can use the funds in the payment route possessed by the consumer for fund transfer through the virtual payment channel.
S405, establishing a single communication relation between the merchant collection account and the virtual payment channel.
This step is mainly to enable mutual fund settlement between the virtual payment channel and the merchant collection account, and generally, only a single settlement is guaranteed. In other embodiments of the present invention, the virtual payment channel may be placed in communication with the merchant collection account.
And S500, the consumer pays by expanding a payment way.
In this step, the consumer can be considered as the payment completed through the extended payment route because the consumer completes the payment through the virtual payment channel and the virtual payment channel is derived from the extended payment route.
Please refer to fig. 7, which is a detailed flowchart of step S500 in fig. 5. Step S500, specifically including:
s501, calculating or accumulating the amount of money in a payment way of a consumer;
in the preferred embodiment of the present invention, since the consumer may have multiple payment routes and the amount in a single payment route is not enough to complete the consumption settlement, the amount in the payment route currently owned by the consumer needs to be cumulatively calculated.
S502, comparing the calculated amount with the consumption amount, and when the calculated amount is larger than or equal to the consumption amount, paying through the virtual payment channel.
Compared with the prior art, the method for expanding the payment path greatly simplifies the registration application and verification process of opening the payment path by automatically expanding the payment path, so that consumers without the corresponding payment path can enjoy the benefits; secondly, more users can be provided for a payment path provider through an information filing mechanism and a generated virtual payment channel system; thirdly, the cash register pressure of the cashier of the merchant can be reduced by associating the financial account of the merchant with the virtual payment channel, so that the service efficiency is improved; in addition, the consumption safety of the consumer can be fully guaranteed by executing the form of single link payment.
The foregoing description shows and describes several preferred embodiments of the present application, but as aforementioned, it is to be understood that the application is not limited to the forms disclosed herein, but is not to be construed as excluding other embodiments and is capable of use in various other combinations, modifications, and environments and is capable of changes within the scope of the application as described herein, commensurate with the above teachings, or the skill or knowledge of the relevant art. And that modifications and variations may be effected by those skilled in the art without departing from the spirit and scope of the application, which is to be protected by the claims appended hereto.

Claims (6)

1.一种扩展支付途径的系统，其特征在于，包括：客户端、途径扩展装置以及至少一家途径提供商；所述途径扩展装置包括：1. A system for expanding payment channels, comprising: a client, a channel expansion device and at least one channel provider; the channel expansion device comprises: 提示模块：用于获取商家所提供的全部优惠信息，并根据消费者的消费情况提供至少一种支付选择；Prompt module: used to obtain all the preferential information provided by the merchant, and provide at least one payment option according to the consumer's consumption situation; 确认模块：用于响应消费者的操作，确定消费者所选择的支付途径；Confirmation module: used to respond to the consumer's operation and determine the payment method selected by the consumer; 分析模块：用于对消费者是否具备确定支付途径的支付资格进行分析；Analysis module: used to analyze whether the consumer has the payment qualification to determine the payment method; 扩展模块：用于根据所述分析模块的分析情况，在消费者不具备确定支付途径的支付资格时，自动生成与消费者匹配的用于享受优惠的扩展支付途径，所述扩展支付途径对应于不具备支付资格的确定支付途径；所述扩展模块包括：信息接收单元：用于接收消费者提供的所具备支付途径的信息；调取备案单元：用于从消费者所提供支付途径的信息中调取消费者的身份信息，并向待扩展支付途径的提供商进行备案；通道生成单元：用于生成待扩展支付途径下的虚拟支付通道；关联单元：用于将消费者所具备的支付途径与所述虚拟支付通道进行关联；Expansion module: used to automatically generate an expanded payment way that matches the consumer for enjoying the discount when the consumer does not have the payment qualification to determine the payment way according to the analysis situation of the analysis module, and the expanded payment way corresponds to Determining payment methods that are not eligible for payment; the expansion module includes: an information receiving unit: used to receive the information of the payment methods provided by consumers; retrieval and filing unit: used to obtain information from the payment methods provided by consumers. Call the consumer's identity information and file with the provider of the payment channel to be expanded; channel generation unit: used to generate a virtual payment channel under the payment channel to be expanded; association unit: used to convert the payment channel that the consumer has associating with the virtual payment channel; 支付模块：用于消费者通过所述扩展支付途径进行支付；Payment module: for consumers to pay through the extended payment method; 存储单元：用于对生成的所述扩展支付途径进行存储记录。Storage unit: used to store and record the generated extended payment method. 2.如权利要求1所述的系统，其特征在于，所述扩展模块还包括：2. The system of claim 1, wherein the expansion module further comprises: 链接单元：用于建立商家收款帐户与所述虚拟支付通道之间的单次链接关系。Linking unit: used to establish a single link relationship between the merchant's payment account and the virtual payment channel. 3.如权利要求2所述的系统，其特征在于，所述支付模块包括：3. The system of claim 2, wherein the payment module comprises: 计算单元：用于对消费者所具备支付途径中的金额进行计算或累积计算；Calculation unit: used to calculate or accumulate the amount in the payment channels available to consumers; 比较单元：用于对所述计算单元计算出的计算金额与待支付金额之间进行比较，当计算金额大于或等于待支付金额时，通过所述虚拟支付通道进行支付。Comparison unit: used to compare the calculated amount calculated by the calculation unit with the amount to be paid, and when the calculated amount is greater than or equal to the amount to be paid, make payment through the virtual payment channel. 4.一种扩展支付途径的方法，其特征在于，包括：4. A method for expanding payment methods, comprising: 获取商家所提供的全部优惠信息，并根据消费者的消费情况提供至少一种支付选择；Obtain all the preferential information provided by the merchant, and provide at least one payment option according to the consumer's consumption situation; 响应消费者的操作，确定消费者所选择的支付途径；In response to the operation of the consumer, determine the payment method selected by the consumer; 对消费者是否具备确定支付途径的支付资格进行分析；Analyze whether consumers are eligible for payment to determine the payment route; 在消费者不具备确定支付途径的支付资格时，自动生成与消费者匹配的用于享受优惠的扩展支付途径，所述扩展支付途径对应于不具备支付资格的确定支付途径；具体包括：接收消费者提供的所具备支付途径的信息；从消费者所提供支付途径的信息中调取消费者的身份信息，并向待扩展支付途径的提供商进行备案；生成待扩展支付途径下的虚拟支付通道；将消费者所具备的支付途径与所述虚拟支付通道进行关联；When the consumer does not have the payment qualification for determining the payment method, an extended payment method matching the consumer for enjoying the discount is automatically generated, and the extended payment method corresponds to the determined payment method that does not have the payment qualification; specifically, it includes: receiving consumption The information of the payment channels provided by the consumer; the identity information of the consumer is retrieved from the information of the payment channel provided by the consumer, and the provider of the payment channel to be expanded is put on record; the virtual payment channel under the payment channel to be expanded is generated. ;Associating the payment channels available to consumers with the virtual payment channels; 消费者通过所述扩展支付途径进行支付；the consumer makes a payment through said extended payment method; 对生成的所述扩展支付途径进行存储记录。The generated extended payment method is stored and recorded. 5.如权利要求4所述的方法，其特征在于，所述在消费者不具备支付资格时，自动生成与消费者匹配的扩展支付途径的步骤中，还包括：5. The method according to claim 4, wherein when the consumer does not have the payment qualification, in the step of automatically generating an extended payment method matching the consumer, further comprising: 建立商家收款帐户与所述虚拟支付通道之间的单次链接关系。A single link relationship between the merchant's payment account and the virtual payment channel is established. 6.如权利要求5所述的方法，其特征在于，所述消费者通过扩展支付途径完成支付的步骤，具体包括：6. The method according to claim 5, wherein the step of the consumer completing the payment by expanding the payment method specifically comprises: 对消费者所具备支付途径中的金额进行计算或累积计算；Calculating or accumulating the amounts in the payment channels available to the consumer; 对计算金额与待支付金额之间进行比较，当计算金额大于或等于待支付金额时，通过所述虚拟支付通道进行支付。A comparison is made between the calculated amount and the amount to be paid, and when the calculated amount is greater than or equal to the amount to be paid, payment is made through the virtual payment channel.
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