CN108985731A - Pay method for routing and device - Google Patents
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- CN108985731A CN108985731A CN201810766537.7A CN201810766537A CN108985731A CN 108985731 A CN108985731 A CN 108985731A CN 201810766537 A CN201810766537 A CN 201810766537A CN 108985731 A CN108985731 A CN 108985731A
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- payment
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- disbursement
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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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
- G06Q20/30—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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
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- Theoretical Computer Science (AREA)
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- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The disclosure proposes a kind of payment method for routing and device, is related to technical field of data processing.A kind of payment method for routing of the disclosure includes: reception payment request；Channel of disbursement is selected according to the terms of payment of the means of payment of user's selection and each channel of disbursement；User's payment is completed by the channel of disbursement of selection.By such method, the terms of payment of the means of payment and channel of disbursement that can be selected according to user are come dynamic select channel of disbursement, so that the selection of channel of disbursement can be adjusted with the variation of terms of payment dynamic according to the demand of user, the flexibility of channel of disbursement selection is improved.
Description
Technical field
This disclosure relates to technical field of data processing, especially a kind of payment method for routing and device.
Background technique
The use ratio of current online trading is higher and higher, is identified through face to face in user or online order by propping up on the net
Fu Hou, the channel that backstage needs to have trading privilege by calling, such as each bank, Unionpay or other Third-party payment channels
The transfer of completion fund.In the related technology, the selection of channel of disbursement is relatively fixed often by the way of manual configuration.
Summary of the invention
One purpose of the disclosure is to improve the flexibility of channel of disbursement selection.
According to some embodiments of the present disclosure, a kind of payment method for routing is proposed, comprising: receive payment request；According to
The means of payment of family selection and the terms of payment of each channel of disbursement select channel of disbursement；It completes to use by the channel of disbursement of selection
Family payment.
In some embodiments, payment is selected according to the terms of payment of the means of payment of user's selection and each channel of disbursement
Channel includes: the channel of disbursement supported according to the means of payment screening means of payment of user's selection；In the branch that the means of payment is supported
Pay channel have it is multiple in the case where according to the terms of payment select channel of disbursement, the terms of payment comprise at least one of the following: payment limit
Volume, payment success rate, predetermined routing accounting or payment rate.
In some embodiments, it includes following one or more for selecting channel of disbursement according to the terms of payment: according to order
The single of payment amount and channel of disbursement payment limit filters out the channel of disbursement that single payment limit is less than payment amount；According to
It the payment amount of order, the total payoff limit of channel of disbursement and has paid limit and filters out remaining payment limit and be less than payment amount
Channel of disbursement；According to the payment success rate sequential selection channel of disbursement from high to low of channel of disbursement；According to each channel
Routing accounting determines the weight of counterpart expenditure channel；Or, paying canal according to the sequential selection of the rate of channel of disbursement from low to high
Road.
In some embodiments, method for routing is paid further include: push away to user according to the terms of payment of each means of payment
The means of payment is recommended, so that user selects the means of payment from the means of payment of recommendation.
In some embodiments, to user recommend the means of payment include: according to each means of payment whether support is current
Payment request, degree of stability or it is preferential in it is one or more to user recommend the means of payment.
In some embodiments, method for routing is paid further include: pay mistake executing user according to the channel of disbursement of selection
Channel of disbursement is reselected in the case where losing；The same channel of disbursement frequency of failure is more than or equal to the predetermined upper limit within a predetermined period of time
In the case where, fusing channel of disbursement is until artificial online channel of disbursement manually.
In some embodiments, further includes: if channel of disbursement is blown, the payment success rate of channel of disbursement is detected,
Online channel of disbursement in the case where more than or equal to predetermined success rate.
In some embodiments, channel of disbursement includes: in banking channels, Unionpay's channel, net connection channel or third party's channel
It is one or more.
It by such method, can be according to the terms of payment for the means of payment and channel of disbursement that user selects come dynamic
Channel of disbursement is selected, so that the selection of channel of disbursement can be adjusted with the variation of terms of payment dynamic according to the demand of user
It is whole, improve the flexibility of channel of disbursement selection.
According to other embodiments of the disclosure, a kind of payment route device is proposed, comprising: payment request receiving unit,
It is configured as receiving payment request；Channel of disbursement selecting unit is configured as the means of payment selected according to user and each
The terms of payment for paying channel select channel of disbursement；Payment unit is configured as completing user's payment by the channel of disbursement of selection.
In some embodiments, route device is paid further include: means of payment recommendation unit is configured as according to each
The terms of payment for the mode of paying recommend the means of payment to user, so that user selects the means of payment from the means of payment of recommendation.
In some embodiments, route device is paid further include: channel of disbursement fusing unit is configured as according to selection
Channel of disbursement execute user pay failure, and within a predetermined period of time the frequency of failure be more than or equal to the predetermined upper limit in the case where,
Channel of disbursement fuse until artificial online channel of disbursement manually.
In some embodiments, route device is paid further include: channel probe unit is configured as being melt in channel of disbursement
The payment success rate that channel of disbursement is detected in the case where disconnected, the online channel of disbursement in the case where being more than or equal to predetermined success rate.
According to the still other embodiments of the disclosure, a kind of payment route device is proposed, comprising: memory；And it is coupled to
The processor of memory, processor are configured as based on instruction execution above any one the payment routing for being stored in memory
Method.
It is such payment route device can according to user select the means of payment and channel of disbursement the terms of payment come
Dynamic select channel of disbursement so that channel of disbursement selection can according to the demand of user with the variation of the terms of payment dynamic
Adjustment improves the flexibility of channel of disbursement selection.
According to the other embodiment of the disclosure, proposes a kind of computer readable storage medium, be stored thereon with computer
Program instruction realizes the step of above any one pays method for routing when the instruction is executed by processor.
By executing the instruction on such computer readable storage medium, can according to the means of payment that user selects with
And the terms of payment of channel of disbursement carry out dynamic select channel of disbursement, so that the selection of channel of disbursement can be according to the need of user
The variation dynamic for the terms of payment of summing adjusts, and improves the flexibility of channel of disbursement selection.
Detailed description of the invention
Attached drawing described herein is used to provide further understanding of the disclosure, constitutes a part of this disclosure, this public affairs
The illustrative embodiments and their description opened do not constitute the improper restriction to the disclosure for explaining the disclosure.In the accompanying drawings:
Fig. 1 is the flow chart of one embodiment of the payment method for routing of the disclosure.
Fig. 2 is the flow chart of another embodiment of the payment method for routing of the disclosure.
Fig. 3 is the flow chart of another embodiment of the payment method for routing of the disclosure.
Fig. 4 is the schematic diagram of one embodiment of the payment route device of the disclosure.
Fig. 5 is the schematic diagram of another embodiment of the payment route device of the disclosure.
Fig. 6 is the schematic diagram of another embodiment of the payment route device of the disclosure.
Specific embodiment
Below by drawings and examples, the technical solution of the disclosure is described in further detail.
The flow chart of one embodiment of the payment method for routing of the disclosure is as shown in Figure 1, include step 101~103.
In a step 101, payment request from the user is received.In one embodiment, it can confirm in user and generate
Payment request is obtained when order, payment link can also be clicked in user by scanning payment code in user, or swash in user
Payment request from the user is received when payment function living.
In a step 102, according to the terms of payment selection payment canal of the means of payment of user's selection and each channel of disbursement
Road.In one embodiment, the payment method that user can choose may include wechat, Alipay, Jingdone district payment, apple branch
It pays, e-Bank payment and quick payment etc..Channel of disbursement may include banking channels, Unionpay's channel, net connection channel or third party
Channel etc..In one embodiment, the terms of payment may include payment limit, payment success rate, predetermined routing accounting or payment
Rate etc..In one embodiment, the terms of payment of each channel of disbursement can be prestored and update, consequently facilitating paying in selection
It is inquired when channel, improves channel of disbursement and determine efficiency.
In step 103, user's payment is completed by the channel of disbursement of selection.
It by such method, can be according to the terms of payment for the means of payment and channel of disbursement that user selects come dynamic
Channel of disbursement is selected, so that the selection of channel of disbursement can be adjusted with the variation of terms of payment dynamic according to the demand of user
It is whole, improve the flexibility of channel of disbursement selection.
In one embodiment, every kind of means of payment can support one or more channel of disbursement, as user selects certain Zhang Yin
When row card payment, it is complete to can use the channel of disbursement such as the bank card correspond to total line interface of bank, branch's interface, Unionpay, net join
At payment.In one embodiment, the means of payment first can be selected by user, then supported in the means of payment that user selects
Channel of disbursement is selected based on the terms of payment in channel of disbursement, thus on the one hand meet the needs of users, it on the other hand also can be real
The dynamic select of existing channel of disbursement.
The flow chart of another embodiment of the payment method for routing of the disclosure is as shown in Fig. 2, include step 201~207.
In step 201, payment request from the user is received.
In step 202, recommend the means of payment to user according to the terms of payment of each means of payment, so that user is from pushing away
The means of payment is selected in the means of payment recommended.
In one embodiment, the means of payment that business or businessman involved in different payment requests are supported has area
Not, therefore, the means of payment recommended to the user needs to exclude the mode that this payment is not supported, so that payment success rate is improved,
Guarantee user experience.
In one embodiment, since the various means of payment might have different preferential activities, according in the terms of payment
Favourable condition recommend the means of payment, will such as there is the preferential means of payment to label display, preferential display.In one embodiment
In, it can show that preferential dynamics, condition etc. facilitate user to select.In one embodiment, since part favourable condition has item
Part threshold, is such as directed to the threshold of payment amount, therefore can be screened according to favourable condition, and selecting this payment can expire
The means of payment of sufficient favourable condition is recommended to user, further increases user experience.
In step 203, the channel of disbursement supported according to the means of payment screening means of payment of user's selection.In a reality
It applies in example, the terms of payment may include one of payment limit, payment success rate, predetermined routing accounting or payment rate or more
Kind.
In step 204, branch is selected according to the terms of payment in the case where the channel of disbursement that the means of payment is supported has multiple
Pay channel.
It in one embodiment, can be according to the payment gold of order since there are singles to pay limit for channel of disbursement
The single of volume and channel of disbursement payment limit filters out the channel of disbursement that single payment limit is less than payment amount.
In one embodiment, since channel of disbursement can have total payoff limit or moon payment limit, odd-numbered day payment limit
Volume etc., therefore according to the payment amount of order, the payment limit of channel of disbursement and limit can have been paid filter out remaining branch
Pay the channel of disbursement that limit is less than payment amount.
In one embodiment, the payment success rate that channel of disbursement can also be counted, according to the payment success of channel of disbursement
The sequential selection channel of disbursement of rate from high to low.
In one embodiment, the predetermined routing accounting of each channel can be set, and count making for current each channel
With probability, the weight of counterpart expenditure channel is determined according to the routing accounting of each channel.
It in one embodiment, can be according to channel of disbursement due to the rate difference that different channel of disbursement are collected
The sequential selection channel of disbursement of rate from low to high, to reduce cost.
In one embodiment, branch can be comprehensively considered after filtering out not available channel of disbursement based on amount of money limitation
Success rate, routing accounting, rate are paid because usually selecting channel of disbursement.
In one embodiment, it is also contemplated that air control or other priority logic strategies, select suitable bank
Or the payment interface that other companies provide completes fund transfer operation as channel of disbursement.
In step 205, judge whether to pay successfully.If paying successfully, 207 are thened follow the steps；If payment is unsuccessful,
Execute step 206.
In step 206, the channel of disbursement supported again according to the means of payment screening means of payment of user's selection, then
Execute step 205.In one embodiment, when reselecting channel of disbursement, the channel of failure is selected and paid before excluding,
In order to avoid falling into endless loop.
In step 207, payment is completed, payment process terminates.
By such method, channel of disbursement can be reselected in the case where paying failure to be paid, without using
Family re-initiates payment, on the one hand improves payment efficiency, on the other hand also removes user from and operate repeatedly, improves user experience.
In one embodiment, when paying failure using the channel of disbursement of selection, each channel of disbursement can be updated
The terms of payment and available channel of disbursement.The process of a part of another embodiment of the payment method for routing of the disclosure
Figure is as shown in figure 3, include step 301~303.
In step 301, when executing user's payment according to the channel of disbursement of selection, but paying failure, step 302 is executed.
In step 302, whether the judgement number that channel of disbursement payment fails within a predetermined period of time has been above
In the predetermined upper limit.In one embodiment, can it is each determine payment failure when to the payment of channel of disbursement fail situation into
Row statistics.If it is determined that the number of channel of disbursement payment failure has been above equal to the predetermined upper limit within a predetermined period of time, then hold
Row step 303.If being less than the predetermined upper limit, the payment failure situation of the channel of disbursement is recorded, corresponding payment item can be updated
Part entry, and new channel of disbursement is selected to complete current payment.
In step 303, fuse the channel of disbursement of the payment unsuccessfully, to prevent the channel of disbursement to be called to lead again
Cause payment failure.In one embodiment, the channel of disbursement being blown can be online by staff's manual configuration mode
It is re-set as available mode.
By such method, can fuse the bad channel of disbursement of current state in time, to avoid the channel of disbursement
It is called repeatedly, improves and pay successful probability, and then reduce the burden of running equipment, improve payment efficiency and user experience.
In one embodiment, after channel of disbursement is blown, step 304~306 can also be performed.
In step 304, the channel of disbursement of fusing is detected, is attempted connection, by way of simulation payment trial
Detect the success rate of channel of disbursement.In one embodiment, the success rate of channel of disbursement can be successfully secondary in the unit time
Number, or the successful probability of payment etc..
In step 305, judge to pay whether success rate is more than or equal to predetermined success rate.If it is greater than or equal to predetermined success
Rate thens follow the steps 306；If being less than predetermined success rate, return re-execute the steps 304.
Within step 306, channel of disbursement is online.
By such method, the state that channel of disbursement can be detected after channel of disbursement fusing, restores in channel of disbursement
In the case where in time the online channel of disbursement, it is online with human configuration channel of disbursement without manually detecting, improve system
The degree of automation, be conducive to the operation steady in a long-term of maintenance system.
The schematic diagram of one embodiment of the payment route device of the disclosure is as shown in Figure 4.Payment request receiving unit 41
Payment request from the user can be received.In one embodiment, it can confirm that payment is obtained when generating order asks in user
It asks, payment link can also be clicked in user, or receive and come from when user activates payment function in scanning input payment code
The payment request of user.Channel of disbursement selecting unit 42 can be according to the branch for the means of payment and each channel of disbursement that user selects
The condition of paying selects channel of disbursement.In one embodiment, the terms of payment may include payment limit, payment success rate, predetermined road
By accounting or payment rate etc..In one embodiment, it can prestore and the terms of payment for each channel of disbursement that timely updates, from
And convenient for being inquired when selecting channel of disbursement, it improves channel of disbursement and determines efficiency.Payment unit 43 can pass through the payment of selection
Channel completes user's payment.
It is such payment route device can according to user select the means of payment and channel of disbursement the terms of payment come
Dynamic select channel of disbursement so that channel of disbursement selection can according to the demand of user with the variation of the terms of payment dynamic
Adjustment improves the flexibility of channel of disbursement selection.
In one embodiment, the payment that channel of disbursement selecting unit 42 can be supported in the means of payment that user selects
Channel of disbursement is selected based on the terms of payment in channel, on the one hand meet the needs of users, on the other hand also can be realized branch
Pay the dynamic select of channel.
In one embodiment, payment unit 43 can activate channel of disbursement selecting unit 42 in the case where paying failure
The channel of disbursement different from the channel of disbursement selected before is reselected, payment is re-initiated without user, on the one hand mentions
High payment efficiency, on the other hand also removes user from and operates repeatedly, improve user experience.
In one embodiment, as shown in figure 4, payment route device can also include means of payment recommendation unit 44, energy
Enough terms of payment according to each means of payment recommend the means of payment to user, so that user selects from the means of payment of recommendation
The means of payment.In one embodiment, the means of payment that business or businessman involved in different payment requests are supported has
Difference, therefore, the means of payment recommended to the user need to exclude this and pay the mode that do not support, pay successfully to improve
Rate guarantees user experience.In one embodiment, since the various means of payment might have different preferential activities, according to branch
Favourable condition in the condition of paying recommends the means of payment, will such as there is preferential means of payment marking display, preferential display.At one
In embodiment, it can show that preferential dynamics, condition etc. facilitate user to select.In one embodiment, due to the preferential item in part
Part is had ready conditions threshold, and the threshold of payment amount is such as directed to, therefore can be screened according to favourable condition, this payment is selected
The means of payment that can satisfy favourable condition is recommended to user, further increases user experience.
In one embodiment, payment route device can also include channel of disbursement fusing unit 45, can be in pre- timing
Between in the case that the number of channel of disbursement payment failure is more than or equal to the predetermined upper limit in section, the payment canal for the payment failure that fuses
Road, so that the channel of disbursement be avoided to be called repeatedly, is mentioned with preventing the channel of disbursement to be called again so as to cause payment failure
Height pays successful probability, and then reduces the burden of running equipment, improves payment efficiency and user experience.
In one embodiment, payment route device can also include channel probe unit 46, can be to the payment of fusing
Channel is detected, and is attempted connection, is simulated the success rate for detecting channel of disbursement by way of payment is attempted, in payment success rate
It is in the case where more than or equal to predetermined success rate, the channel of disbursement is online.
Such payment route device can detect the state of channel of disbursement after channel of disbursement fusing, extensive in channel of disbursement
Online channel of disbursement in time in the case where multiple, it is online with human configuration channel of disbursement without manually detecting, it improves and is
The degree of automation of system is conducive to the operation steady in a long-term of maintenance system.
The structural schematic diagram that the disclosure pays one embodiment of route device is as shown in Figure 5.Paying route device includes
Memory 501 and processor 502.Wherein: memory 501 can be disk, flash memory or other any non-volatile memory mediums.
Memory is used to store the instruction in the corresponding embodiment for above paying method for routing.Processor 502 is coupled to memory
501, it can be used as one or more integrated circuits to implement, such as microprocessor or microcontroller.The processor 502 is for holding
The instruction stored in line storage, can be realized channel of disbursement selection can according to the demand of user with the variation of the terms of payment
Dynamic adjusts, and improves the flexibility of channel of disbursement selection.
It in one embodiment, can be as shown in fig. 6, payment route device 600 includes memory 601 and processor
602.Processor 602 is coupled to memory 601 by BUS bus 603.The payment route device 600 can also be connect by storage
Mouthfuls 604 are connected to external memory 605 to call external data, can also be connected to by network interface 606 network or
The other computer system (not shown) of person.It no longer describes in detail herein.
In this embodiment, it is instructed by memory stores data, then above-metioned instruction is handled by processor, can be realized
The selection of channel of disbursement can be adjusted with the variation of terms of payment dynamic according to the demand of user, improve channel of disbursement selection
Flexibility.
In another embodiment, a kind of computer readable storage medium, is stored thereon with computer program instructions, this refers to
Enable the step of method in payment method for routing corresponding embodiment is realized when being executed by processor.Those skilled in the art answer
Understand, embodiment of the disclosure can provide as method, apparatus or computer program product.Therefore, the disclosure can be used completely hard
The form of part embodiment, complete software embodiment or embodiment combining software and hardware aspects.Moreover, the disclosure can be used
The computer that one or more wherein includes computer usable program code can be with non-transient storage medium (including but not
Be limited to magnetic disk storage, CD-ROM, optical memory etc.) on the form of computer program product implemented.
The disclosure is reference according to the method for the embodiment of the present disclosure, the flow chart of equipment (system) and computer program product
And/or block diagram describes.It should be understood that each process in flowchart and/or the block diagram can be realized by computer program instructions
And/or the combination of the process and/or box in box and flowchart and/or the block diagram.It can provide these computer programs to refer to
Enable the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to generate
One machine so that by the instruction that the processor of computer or other programmable data processing devices executes generate for realizing
The device for the function of being specified in one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
So far, the disclosure is described in detail.In order to avoid covering the design of the disclosure, it is public that this field institute is not described
The some details known.Those skilled in the art as described above, completely it can be appreciated how implementing technology disclosed herein
Scheme.
Disclosed method and device may be achieved in many ways.For example, can by software, hardware, firmware or
Person's software, hardware, firmware any combination realize disclosed method and device.The step of for the method it is above-mentioned
Sequence is merely to be illustrated, and the step of disclosed method is not limited to sequence described in detail above, unless with other sides
Formula illustrates.In addition, in some embodiments, the disclosure can be also embodied as recording program in the recording medium, these
Program includes for realizing according to the machine readable instructions of disclosed method.Thus, the disclosure also covers storage for executing
According to the recording medium of the program of disclosed method.
Finally it should be noted that: above embodiments are only to illustrate the technical solution of the disclosure rather than its limitations；To the greatest extent
Pipe is described in detail the disclosure referring to preferred embodiment, it should be understood by those ordinary skilled in the art that: still
It can modify to the specific embodiment of the disclosure or some technical features can be equivalently replaced；Without departing from this public affairs
The spirit of technical solution is opened, should all be covered in the claimed technical proposal scope of the disclosure.
Claims (14)
1. a kind of payment method for routing, comprising:
Receive payment request；
Channel of disbursement is selected according to the terms of payment of the means of payment of user's selection and each channel of disbursement；
User's payment is completed by the channel of disbursement of selection.
2. according to the method described in claim 1, wherein, the means of payment according to user's selection and each channel of disbursement
The terms of payment selection channel of disbursement include:
The channel of disbursement supported according to the means of payment screening means of payment of user's selection；
Channel of disbursement, institute are selected according to the terms of payment in the case where the channel of disbursement that the means of payment is supported has multiple
It states the terms of payment to comprise at least one of the following: payment limit, payment success rate, predetermined routing accounting or payment rate.
3. according to the method described in claim 2, wherein, described to select channel of disbursement according to the terms of payment include with next
Item is multinomial:
Limit, which is paid, according to the single of the payment amount of order and the channel of disbursement filters out single payment limit less than described
The channel of disbursement of payment amount；
According to the payment amount of order, the total payoff limit of the channel of disbursement and limit is paid and filters out remaining payment limit
Less than the channel of disbursement of the payment amount；
According to the payment success rate sequential selection channel of disbursement from high to low of channel of disbursement；
The weight of counterpart expenditure channel is determined according to the routing accounting of each channel；Or,
According to the sequential selection channel of disbursement of the rate of channel of disbursement from low to high.
4. according to the method described in claim 1, further include:
Recommend the means of payment to user according to the terms of payment of each means of payment, so that user selects from the means of payment of recommendation
Select the means of payment.
It is described to recommend the means of payment to include: to user 5. according to the method described in claim 4, wherein
According to each means of payment whether support current payment request, degree of stability or it is preferential in it is one or more to user
Recommend the means of payment.
6. according to the method described in claim 1, further include:
Channel of disbursement is reselected executing in the case that user pays failure according to the channel of disbursement of selection；
In the case that the same channel of disbursement frequency of failure is more than or equal to the predetermined upper limit within a predetermined period of time, fuse the payment canal
Road is until the artificial online channel of disbursement manually.
7. according to the method described in claim 6, further include:
If channel of disbursement is blown, the payment success rate of the channel of disbursement is detected, in the feelings for being more than or equal to predetermined success rate
The online channel of disbursement under condition.
8. according to the method described in claim 1, wherein, the channel of disbursement includes: banking channels, Unionpay's channel, net connection canal
One of road or third party's channel are a variety of.
9. a kind of payment route device, comprising:
Payment request receiving unit is configured as receiving payment request；
Channel of disbursement selecting unit is configured as the terms of payment choosing of the means of payment and each channel of disbursement that select according to user
Select channel of disbursement；
Payment unit is configured as completing user's payment by the channel of disbursement of selection.
10. device according to claim 9, further includes:
Means of payment recommendation unit is configured as recommending the means of payment to user according to the terms of payment of each means of payment, with
Just user selects the means of payment from the means of payment of recommendation.
11. device according to claim 9, further includes:
Channel of disbursement fusing unit is configured as executing user's payment failure according to the channel of disbursement of selection, and pre-
In the case that the frequency of failure is more than or equal to the predetermined upper limit in section of fixing time, the channel of disbursement that fuses is until artificial online institute manually
State channel of disbursement.
12. device according to claim 11, further includes:
Channel probe unit is configured as detecting the payment success of the channel of disbursement in the case where channel of disbursement is blown
Rate, the online channel of disbursement in the case where being more than or equal to predetermined success rate.
13. a kind of payment route device, comprising:
Memory；And
It is coupled to the processor of the memory, the processor is configured to based on the instruction execution for being stored in the memory
Method as claimed in any one of claims 1 to 8.
14. a kind of computer readable storage medium, is stored thereon with computer program instructions, real when which is executed by processor
The step of method described in existing claim 1 to 8 any one.
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