CN109214797A - A kind of method of payment, device and the platform with payment function - Google Patents
A kind of method of payment, device and the platform with payment function Download PDFInfo
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- CN109214797A CN109214797A CN201710538096.0A CN201710538096A CN109214797A CN 109214797 A CN109214797 A CN 109214797A CN 201710538096 A CN201710538096 A CN 201710538096A CN 109214797 A CN109214797 A CN 109214797A
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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
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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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
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Abstract
The embodiment of the present application discloses a kind of method of payment, device and the platform with payment function, passes through and receives the means of payment recommendation request that application terminal is sent；Priority ranking is carried out to default paying centre, the means of payment is generated and recommends sequence；Recommend sequence, the creation payment page according to the means of payment；The display interface of the payment page to application terminal is pushed, to indicate that the application terminal sends payment request to paying centre, the order for treating payment account is paid；In the payment of APP terminal, it can be accustomed to according to the payment of user, priority ranking is carried out to the preset means of payment, personalized payment mode is provided for user, so that user can in a manner of pay this extra of quickly comforming in select oneself to be accustomed to the means of payment, order is paid, payment efficiency is high, to avoid the problem that there is the application platform server of the platform of payment function to need to wait for carrying, the utilization rate of the resources such as system bandwidth, database is improved.
Description
Technical field
The present invention relates to Internet technical field, in particular to a kind of method of payment, device and putting down with payment function
Platform.
Background technique
With the continuous development of Internet technology, application service system Internet-based is more and more.Businessman can lead to
These application service systems are crossed, extensive stock or paid service are provided a user.If user want buy these commodity or
Person's paid service, it is necessary to by the platform with payment function, the order of corresponding commodity or paid service be propped up
It pays.As shown in Figure 1, typically the platform with payment function generally includes application terminal 1, paying centre 2 and payment services
Device 3.Communication connection is established by internet 4 between paying centre 2 and payment server 3 in application terminal 1.Utilize the platform
The process paid to order is as follows: after user submits order to be paid by application terminal 1, payment server 3 is to answer
A variety of default means of payment are pushed with terminal 1, every kind of means of payment passes through a paying centre 2 corresponding with this kind of means of payment
It realizes.After user selects one of means of payment by application terminal 1, sent to the corresponding paying centre 2 of the means of payment
Payment request.Wherein, payment request includes order information to be paid and amount information to be paid, corresponding paying centre 2
After receiving payment request, the corresponding amount of money is paid to the order.
The payment platform of vehicle safety life cycle data query service is exactly a platform as shown in Figure 1.Wherein, it answers
It is that (Application is answered the user APP for being mounted with to have vehicle safety life cycle data query function with terminal 1
With) terminal.Assuming that entitled " the automobile resume " of this user APP, if user needs using " vehicle safety Life Cycle issue
According to query service " this paid service, so that it may phase is paid to the VIN code query service of certain vehicle by the payment platform of Fig. 1
The amount of money answered.Fig. 2 is the login page example of " automobile resume " APP (i.e. " automobile resume PLUS "), and Fig. 3 is that query page is shown
Example, Fig. 4 and Fig. 5 are that order submits the page and pays the example of the page respectively.Firstly, user starts application terminal 1, into Fig. 2
The shown page, by " automobile resume PLUS " starting " automobile resume " APP, then logon account, establish user APP terminal 1 with
The network connection of paying centre 2 and payment server 3 subsequently enters the page shown in Fig. 3, inputs in input frame and wants inquiry
Vehicle VIN code after, click " inquiry " button, application terminal 1 enter order submit the page, order submission the page show that this is ordered
Single amount of money, such as " 2 yuan ".After submitting order, into the payment page.Usually there are the payment page multiple preset means of payment to press
Button, such as " remaining sum payment " or " wechat payment ".User clicks one of means of payment button, can be to paying centre 2
Payment request is sent, paying centre 2 completes the payment to respective orders according to the payment request.Later, user can apply
The display interface of terminal 1 gets the vehicle safety life cycle data of the vehicle.
But inventor has found the preset means of payment type under the method for payment for the APP terminal that the prior art provides
Multiplicity, when user is that order is paid, the means of payment button that the payment page is shown is more, and user needs to take some time,
It could be found from multiple means of payment buttons and oneself think means of payment button to be used, it can be seen that, the prior art provides
The method of payment of APP terminal there is a problem of that payment efficiency is low, this makes the application platform server for carrying above-mentioned platform
It needs to wait, reduces the utilization rate of the resources such as system bandwidth, database.
Summary of the invention
Goal of the invention of the invention is to provide a kind of method of payment, device and the platform with payment function, to solve
The method of payment for the APP terminal that the prior art provides has that payment efficiency is low, this to carry answering for above-mentioned platform
The problem of needing to wait with Platform Server, reducing the utilization rate of the resources such as system bandwidth, database.
In a first aspect, the embodiment of the present invention provides a kind of method of payment, comprising:
Receive the means of payment recommendation request that application terminal is sent；
Priority ranking is carried out to the default means of payment, the means of payment is generated and recommends sequence, the default means of payment packet
It includes: remaining sum payment and Third-party payment platform payment；
Recommend sequence, the creation payment page according to the means of payment；
The display interface of the payment page to application terminal is pushed, to indicate that the application terminal is sent to paying centre
Payment request, the order for treating payment account are paid.
With reference to first aspect, in the first embodiment of first aspect, priority is carried out to the default means of payment
Sequence generates the means of payment and recommends sequence, comprising:
Obtain the User Identity code of account number to be paid；
According to the User Identity code, the history payment record of account number to be paid within a preset period of time is inquired；
According to the history payment record, the payment times of every kind of means of payment in the default means of payment are calculated；
According to the payment times, priority ranking is carried out to the default means of payment, the means of payment is generated and recommends sequence
Column.
The first embodiment with reference to first aspect, in second of embodiment of first aspect, according to institute
Payment times are stated, priority ranking is carried out to the default means of payment, the means of payment is generated and recommends sequence, comprising:
According to the payment times, priority row is carried out to the default means of payment from high to low according to payment times
Sequence；
The means of payment, which is generated, according to the ranking results recommends sequence.
With reference to first aspect, in the third embodiment of first aspect, priority is carried out to the default means of payment
Sequence generates the means of payment and recommends sequence, comprising:
Obtain the User Identity code of account number to be paid；
According to the User Identity code, the history payment record of account number to be paid within a preset period of time is inquired；
According to the history payment record, the payment amount of every kind of means of payment in the default means of payment is calculated；
According to the payment amount, priority ranking is carried out to the default means of payment, the means of payment is generated and recommends sequence
Column.
The third embodiment with reference to first aspect, in the 4th kind of embodiment of first aspect, according to institute
Payment amount is stated, priority ranking is carried out to the default means of payment, the means of payment is generated and recommends sequence, comprising:
According to the payment amount, priority row is carried out to the default means of payment from high to low according to payment amount
Sequence；
The means of payment, which is generated, according to the ranking results recommends sequence.
With reference to first aspect, in the 5th kind of embodiment of first aspect, priority is carried out to the default means of payment
Sequence generates the means of payment and recommends sequence, comprising:
It obtains in the default means of payment, the preferential amount of money of every kind of means of payment；
According to the preferential amount of money, priority ranking is carried out to the default means of payment, the means of payment is generated and recommends sequence
Column.
The 5th kind of embodiment with reference to first aspect, in the 6th kind of embodiment of first aspect, according to institute
The preferential amount of money is stated, priority ranking is carried out to the default means of payment, the means of payment is generated and recommends sequence, comprising:
According to the preferential amount of money, priority row is carried out to the default means of payment from high to low according to the preferential amount of money
Sequence；
The means of payment, which is generated, according to the ranking results recommends sequence.
Second aspect, the application provide a kind of payment mechanism, comprising:
Receiving unit, for receiving the means of payment recommendation request of application terminal transmission；
Sequencing unit, for carrying out priority ranking to the default means of payment, the generation means of payment recommends sequence, described pre-
If the means of payment includes: remaining sum payment and Third-party payment platform payment；
Creating unit, for recommending sequence, the creation payment page according to the means of payment；
Push unit, for pushing the display interface of the payment page to application terminal, to indicate the application terminal
Payment request is sent to paying centre, the order for treating payment account is paid.
The third aspect, the application provide a kind of platform with payment function, and the platform includes: payment server, with
The paying centre that the payment server is connected, the payment server and the paying centre are whole by internet and application
End is connected,
The application terminal, for sending means of payment recommendation request to the payment server；
The payment server, for receiving the means of payment recommendation request of application terminal transmission；To the default means of payment
Priority ranking is carried out, the means of payment is generated and recommends sequence, the default means of payment includes: remaining sum payment and Third-party payment
Platform payment；Recommend sequence, the creation payment page according to the means of payment；Push the payment page showing to application terminal
Show interface, to indicate that the application terminal sends payment request to paying centre, the order for treating payment account is paid；
The paying centre, for receiving the payment request of application terminal transmission, the order for treating payment account is propped up
It pays.
From the above technical scheme, a kind of method of payment provided by the embodiments of the present application, device and have payment function
Platform, pass through receive application terminal send means of payment recommendation request；Priority ranking is carried out to default paying centre, it is raw
Recommend sequence at the means of payment, the default means of payment includes: remaining sum payment and Third-party payment platform payment；According to described
The means of payment recommends sequence, the creation payment page；The display interface for pushing the payment page to application terminal, described in instruction
Application terminal sends payment request to paying centre, and the order for treating payment account is paid；In the payment of APP terminal, energy
It is enough to be accustomed to according to the payment of user, priority ranking is carried out to the preset means of payment, personalized payment mould is provided for user
Formula so that user can in a manner of pay this extra of quickly comforming in select oneself be accustomed to the means of payment, order is paid, pay
It is high-efficient, to avoid the problem that there is the application platform server of platform of payment function to need to wait for carrying, improves and be
Command the utilization rate of the resources such as width, database.
Detailed description of the invention
It in order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, below will be to institute in embodiment
Attached drawing to be used is needed to be briefly described, it should be apparent that, the accompanying drawings in the following description is only some implementations of the invention
Example, for those of ordinary skill in the art, without creative efforts, can also obtain according to these attached drawings
Obtain other attached drawings.
Fig. 1 is a kind of schematic diagram of illustratively platform with payment function；
Fig. 2 is the login page of automobile resume PLUS；
Fig. 3 is the query page of automobile resume PLUS；
The order that Fig. 4 is automobile resume PLUS submits the page；
Fig. 5 is the payment page of automobile resume PLUS；
Fig. 6 is the flow chart that a kind of method of payment exemplified is preferably implemented according to one；
Fig. 7 is the flow chart according to a kind of method of payment shown in another preferred embodiment；
Fig. 8 is the flow chart according to a kind of method of payment shown in another preferred embodiment；
Fig. 9 is the structural block diagram that a kind of payment mechanism exemplified is preferably implemented according to one；
Figure 10 is the schematic diagram that a kind of platform with payment function exemplified is preferably implemented according to one.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Whole description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
Please refer to Fig. 2 to Fig. 5, in automobile resume PLUS, to " vehicle safety life cycle data query service " this
Paid service is used as example, the means of payment recommendation request that the embodiment of the present application is sent by receiving application terminal；To pre-
If the means of payment carry out priority ranking, generate the means of payment recommend sequence, the default means of payment include: remaining sum payment and
Third-party payment platform payment；Recommend sequence, the creation payment page according to the means of payment；The payment page is pushed to answering
The order of payment account is treated with the display interface of terminal to indicate that the application terminal sends payment request to paying centre
It is paid.
As shown in figure 5, the payment page of automobile resume PLUS includes a variety of means of payment, can include but is not limited to: remaining
Volume payment and Third-party payment platform payment.Wherein, remaining sum payment is paid using the account of automobile resume PLUS, third
Square payment platform payment may include wechat payment, Alipay payment etc., further, it is also possible to include a variety of of bank card payment etc.
The mode of paying.User can choose one of default means of payment and pay；Payment server can be practised according to the payment of user
It is used, priority ranking is carried out to the preset means of payment, personalized payment mode is provided for user, allows user quick
The means of payment for selecting oneself to be accustomed in pay this extra mode of comforming, pays order, and payment efficiency is high, to avoid carrying
There is the application platform server of the platform of payment function to need the problem of waiting, improve the resources such as system bandwidth, database
Utilization rate.
Referring to Fig. 6, the embodiment of the present invention provides a kind of method of payment, described method includes following steps:
Step S101 receives the means of payment recommendation request that application terminal is sent.
Above-mentioned application terminal includes but is not limited to smart phone and tablet computer, above-mentioned application terminal and payment services
Information on services interaction is carried out by internet between device and paying centre, above-mentioned internet can be cable network, wireless
Wifi, 2G network, 3G network and 4G network etc..User terminal installs a user APP, the visitor of all installations on the terminal device
Family end software within the scope of protection of this application, in this example, it is assumed that this user APP it is entitled " automobile letter
Go through ", user login account can pass through pay accordingly later on " automobile resume " using account login " automobile resume "
Expense, that is, can be used " vehicle safety life cycle data query service " this paid service.In the step, user can scheme
" submitting immediately " button is clicked in the page shown in 4, generates order, sends a means of payment recommendation request to payment server,
In order to which payment server is accustomed to carrying out priority ranking to preset payment mode according to the payment of user.
Step S102 obtains the User Identity code of account number to be paid.
After payment server receives the means of payment recommendation request of application terminal transmission, recommended according to the means of payment
Request obtains the User Identity code of the account number to be paid logged on application terminal, i.e. User ID.
Step S103 inquires the history branch of account number to be paid within a preset period of time according to the User Identity code
Pay record.
User will record down the history branch of each User ID after through paying centre pay invoice in payment server
Record is paid, these history payment records can be used for analyzing the payment behavior of user, wherein history payment record may include: use
The payment times at family, each time of payment, payment amount, used paying centre etc..In the embodiment of the present invention, inquiry
The history payment record of account number to be paid within a preset period of time, wherein preset time period can be set to one month, half a year or
Person 1 year etc., the length of time needs of preset time period were determined according to specific application scenarios, were merely illustrative herein.
For example, payment server account number to be paid is on January 1st, 2017 on 2 1st, 2017 history payment record.
Step S104 calculates the branch of every kind of means of payment in the default means of payment according to the history payment record
Pay number.
The used paying centre of available account to be paid within a preset period of time from history payment record, with
And number used in each paying centre.For example, according to history payment record it is found that account to be paid was on January 1st, 2017
Into 2 months 1 this periods in 2017, history payment record was as follows: being paid 5 times by wechat, is paid 3 times by remaining sum.
Step S105 from high to low carries out the default means of payment according to payment times according to the payment times
Priority ranking.
In the present embodiment, if the default means of payment only have " wechat payment " and " remaining sum payment " both, presetting
In period, user is paid 5 times by wechat, is paid 3 times, then can be paid by payment server according to every kind by remaining sum
The payment times of mode, to " wechat payment " and " remaining sum payment ", both modes carry out priority ranking, i.e., " wechat payment "
Payment times it is relatively more, the payment times of " remaining sum payment " are relatively fewer.The access times of the means of payment can embody use
The payment at family is accustomed to, and therefore, payment server determines that the priority of " wechat payment " is higher than " remaining sum payment ".
Step S106 generates the means of payment according to the ranking results and recommends sequence.
After payment server determines that the priority of " wechat payment " is higher than " remaining sum payment ", branch can be generated according to the result
The mode of paying recommends sequence, such as: 1- " wechat payment ", 2- " remaining sum payment ".
Step S107 recommends sequence, the creation payment page according to the means of payment.
In the present embodiment, as shown in figure 5, if the means of payment recommends sequence are as follows: 1- " wechat payment ", 2- " remaining sum branch
It pays, then pays in the page and arranged in the way of from top to bottom.
Step S108 pushes the display interface of the payment page to application terminal, to indicate the application terminal to branch
The center of paying sends payment request, and the order for treating payment account is paid.
Payment server will pay display interface of the page push to application terminal, is accustomed to according to the payment of user, to pre-
If the means of payment carry out priority ranking, for user provide personalization payment mode, allow user quickly from numerous
The means of payment for selecting oneself to be accustomed in the means of payment, pays order, and payment efficiency is high, so that carrying be avoided to have branch
The application platform server for paying the platform of function needs the problem of waiting, and improves the utilization of the resources such as system bandwidth, database
Rate.
Referring to Fig. 7, the embodiment of the present invention provides another method of payment, described method includes following steps:
Step S201 receives the means of payment recommendation request that application terminal is sent.
Step S202 obtains the User Identity code of account number to be paid.
Step S203 inquires the history branch of account number to be paid within a preset period of time according to the User Identity code
Pay record.
Step S204 calculates the branch of every kind of means of payment in the default means of payment according to the history payment record
Pay the amount of money.
From history payment record available account to be paid within a preset period of time used by paying centre, and
The total amount that each paying centre is paid.For example, according to history payment record it is found that account to be paid was on January 1st, 2017
Into 2 months 1 this periods in 2017, history payment record was as follows: amounting to 100 yuan of payment by the wechat means of payment, leads to
It crosses the remaining sum means of payment and amounts to 50 yuan of payment.
Step S205 from high to low carries out the default means of payment according to payment amount according to the payment amount
Priority ranking.
In the present embodiment, if the default means of payment only have " wechat payment " and " remaining sum payment " both, presetting
In period, user pays 100 yuan by wechat, pays 50 yuan by remaining sum, then can be by payment server according to every kind
The payment amount of the means of payment, to " wechat payment " and " remaining sum payment ", both modes carry out priority ranking, i.e. " wechat branch
Pay " payment amount it is relatively more, the payment amount of " remaining sum payment " is relatively fewer.The payment amount of the means of payment can embody
The payment of user is accustomed to, and therefore, payment server can determine that the priority of " wechat payment " is higher than " remaining sum payment ".
Step S206 generates the means of payment according to the ranking results and recommends sequence.
After payment server determines that the priority of " wechat payment " is higher than " remaining sum payment ", branch can be generated according to the result
The mode of paying recommends sequence, such as: 1- " wechat payment ", 2- " remaining sum payment ".
Step S207 recommends sequence, the creation payment page according to the means of payment.
In the present embodiment, as shown in figure 5, if the means of payment recommends sequence are as follows: 1- " wechat payment ", 2- " remaining sum branch
It pays, then pays in the page and be arranged successively wechat payment and remaining sum payment in the way of from top to bottom.
Step S208 pushes the display interface of the payment page to application terminal, to indicate the application terminal to branch
The center of paying sends payment request, and the order for treating payment account is paid.
Payment server will pay display interface of the page push to application terminal, is accustomed to according to the payment of user, to pre-
If the means of payment carry out priority ranking, for user provide personalization payment mode, allow user quickly from numerous
The means of payment for selecting oneself to be accustomed in the means of payment, pays order, and payment efficiency is high, so that carrying be avoided to have branch
The application platform server for paying the platform of function needs the problem of waiting, and improves the utilization of the resources such as system bandwidth, database
Rate.
Referring to Fig. 8, the embodiment of the present invention provides another method of payment, described method includes following steps:
Step S301 receives the means of payment recommendation request that application terminal is sent.
Step S302 is obtained in the default means of payment, the preferential amount of money of every kind of means of payment.
Application terminal can obtain the preferential gold of every kind of means of payment by network from the server of every kind of paying centre
Volume, alternatively, application terminal can also obtain institute from the private server of the favor information of the various paying centres of real-time collecting
State the preferential amount of money.
Step S303 from high to low carries out the default means of payment according to the preferential amount of money according to the preferential amount of money
Priority ranking.
Step S304 generates the means of payment according to the ranking results and recommends sequence.
Step S305 recommends sequence, the creation payment page according to the means of payment.
In the present embodiment, as shown in figure 5, if the means of payment recommends sequence are as follows: 1- " wechat payment ", 2- " remaining sum branch
It pays, then pays in the page and be arranged successively wechat payment and remaining sum payment in the way of from top to bottom.
Step S306 pushes the display interface of the payment page to application terminal, to indicate the application terminal to branch
The center of paying sends payment request, and the order for treating payment account is paid.
From the above technical scheme, a kind of method of payment provided by the embodiments of the present application, by receiving application terminal hair
The means of payment recommendation request sent；Priority ranking is carried out to the default means of payment, the means of payment is generated and recommends sequence, it is described pre-
If the means of payment includes: remaining sum payment and Third-party payment platform payment；Recommend sequence, creation payment according to the means of payment
The page；The display interface of the payment page to application terminal is pushed, to indicate that the application terminal sends branch to paying centre
Request is paid, the order for treating payment account is paid；In the payment of APP terminal, can be accustomed to according to the payment of user, to pre-
If the means of payment carry out priority ranking, for user provide personalization payment mode, allow user quickly from numerous
The means of payment for selecting oneself to be accustomed in the means of payment, pays order, and payment efficiency is high, so that carrying be avoided to have branch
The application platform server for paying the platform of function needs the problem of waiting, and improves the utilization of the resources such as system bandwidth, database
Rate.
Referring to Fig. 9, the embodiment of the present invention also provides a kind of payment mechanism, comprising:
Receiving unit 101, for receiving the means of payment recommendation request of application terminal transmission；
Sequencing unit 102 generates the means of payment and recommends sequence, institute for carrying out priority ranking to the default means of payment
Stating the default means of payment includes: remaining sum payment and Third-party payment platform payment；
Creating unit 103, for recommending sequence, the creation payment page according to the means of payment；
Push unit 104, for pushing the display interface of the payment page to application terminal, to indicate the application eventually
The order that payment account is treated at end is paid.
Optionally, sequencing unit 102 includes:
Subelement is obtained, for obtaining the User Identity code of account number to be paid；
Subelement is inquired, for according to the User Identity code, inquiring account number to be paid within a preset period of time
History payment record；
Computation subunit, for calculating every kind of payer in the default means of payment according to the history payment record
The payment times of formula；
Subelement is generated, for priority ranking being carried out to the default means of payment, being generated according to the payment times
The means of payment recommends sequence.
Further, subelement is generated to be used for:
According to the payment times, priority row is carried out to the default means of payment from high to low according to payment times
Sequence；
The means of payment, which is generated, according to the ranking results recommends sequence.
Optionally, sequencing unit 102 includes:
Subelement is obtained, for obtaining the User Identity code of account number to be paid；
Subelement is inquired, for according to the User Identity code, inquiring account number to be paid within a preset period of time
History payment record；
Computation subunit, for calculating every kind of payer in the default means of payment according to the history payment record
The payment amount of formula；
Subelement is generated, for priority ranking being carried out to the default means of payment, being generated according to the payment amount
The means of payment recommends sequence.
Further, subelement is generated to be used for:
According to the payment amount, priority row is carried out to the default means of payment from high to low according to payment amount
Sequence；
The means of payment, which is generated, according to the ranking results recommends sequence.
Optionally, sequencing unit 102 includes:
Obtain subelement, for obtaining in the default means of payment, the preferential amount of money of every kind of means of payment；
Subelement is generated, for priority ranking being carried out to the default means of payment, being generated according to the preferential amount of money
The means of payment recommends sequence.
Further, subelement is generated to be used for:
According to the preferential amount of money, priority row is carried out to the default means of payment from high to low according to the preferential amount of money
Sequence；
The means of payment, which is generated, according to the ranking results recommends sequence.
From the above technical scheme, a kind of payment mechanism provided by the embodiments of the present application, can be used for receiving application terminal
The means of payment recommendation request of transmission；Priority ranking is carried out to default paying centre, the means of payment is generated and recommends sequence, it is described
The default means of payment includes: remaining sum payment and Third-party payment platform payment；Recommend sequence, creation branch according to the means of payment
Pay the page；The display interface of the payment page to application terminal is pushed, to indicate that the application terminal is sent to paying centre
Payment request, the order for treating payment account are paid；In the payment of APP terminal, can be accustomed to according to the payment of user, it is right
The preset means of payment carries out priority ranking, and personalized payment mode is provided for user, user is quickly comformed
The means of payment for selecting oneself to be accustomed in pay this extra mode, pays order, and payment efficiency is high, so that carrying be avoided to have
The application platform server of the platform of payment function needs the problem of waiting, and improves the benefit of the resources such as system bandwidth, database
With rate.
Referring to Fig. 10, the embodiment of the present invention also provides a kind of platform with payment function, the platform includes: payment
Server 3, the paying centre 2 being connected with the payment server 3, the payment server 3 and the paying centre 2 pass through
Internet is connected with application terminal 1,
The application terminal 1, for sending means of payment recommendation request to the payment server；
The payment server 3, for receiving the means of payment recommendation request of application terminal transmission；To the default means of payment
Priority ranking is carried out, the means of payment is generated and recommends sequence, the default means of payment includes: remaining sum payment and Third-party payment
Platform payment；Recommend sequence, the creation payment page according to the means of payment；To indicate that the application terminal is sent out to paying centre
Payment request is sent, the order for treating payment account is paid；
The paying centre 2, for receiving the payment request of application terminal transmission, the order for treating payment account is propped up
It pays.
From the above technical scheme, a kind of platform with payment function provided by the embodiments of the present application, can be used for connecing
Receive the means of payment recommendation request that application terminal is sent；Priority ranking is carried out to the default means of payment, the means of payment is generated and pushes away
Sequence is recommended, the default means of payment includes: remaining sum payment and Third-party payment platform payment；Recommended according to the means of payment
Sequence, the creation payment page；The display interface of the payment page to application terminal is pushed, to indicate the application terminal to branch
The center of paying sends payment request, and the order for treating payment account is paid；It, can be according to user's in the payment of APP terminal
Payment habit carries out priority ranking to the preset means of payment, personalized payment mode is provided for user, so that user can
The means of payment for selecting oneself to be accustomed in a manner of pay this extra of quickly comforming, pays order, and payment efficiency is high, to keep away
Exempting from carrying, there is the application platform server of the platform of payment function to need the problem of waiting, and improve system bandwidth, database
Etc. resources utilization rate.
Those skilled in the art after considering the specification and implementing the invention disclosed here, will readily occur to of the invention its
Its embodiment.This application is intended to cover any variations, uses, or adaptations of the invention, these modifications, purposes or
Person's adaptive change follows general principle of the invention and including the undocumented common knowledge in the art of the present invention
Or conventional techniques.The description and examples are only to be considered as illustrative, and true scope and spirit of the invention are by following
Claim is pointed out.
It should be understood that the present invention is not limited to the precise structure already described above and shown in the accompanying drawings, and
And various modifications and changes may be made without departing from the scope thereof.The scope of the present invention is limited only by the attached claims.
Claims (9)
1. a kind of method of payment characterized by comprising
Receive the means of payment recommendation request that application terminal is sent；
Priority ranking is carried out to the default means of payment, the means of payment is generated and recommends sequence, the default means of payment includes: remaining
Volume payment and Third-party payment platform payment；
Recommend sequence, the creation payment page according to the means of payment；
The display interface of the payment page to application terminal is pushed, is paid with indicating that the application terminal is sent to paying centre
Request, the order for treating payment account are paid.
2. generating branch the method according to claim 1, wherein carrying out priority ranking to the default means of payment
The mode of paying recommends sequence, comprising:
Obtain the User Identity code of account number to be paid；
According to the User Identity code, the history payment record of account number to be paid within a preset period of time is inquired；
According to the history payment record, the payment times of every kind of means of payment in the default means of payment are calculated；
According to the payment times, priority ranking is carried out to the default means of payment, the means of payment is generated and recommends sequence.
3. according to the method described in claim 2, it is characterized in that, according to the payment times, to the default means of payment
Priority ranking is carried out, the means of payment is generated and recommends sequence, comprising:
According to the payment times, priority ranking is carried out to the default means of payment from high to low according to payment times；
The means of payment, which is generated, according to the ranking results recommends sequence.
4. generating branch the method according to claim 1, wherein carrying out priority ranking to the default means of payment
The mode of paying recommends sequence, comprising:
Obtain the User Identity code of account number to be paid；
According to the User Identity code, the history payment record of account number to be paid within a preset period of time is inquired；
According to the history payment record, the payment amount of every kind of means of payment in the default means of payment is calculated；
According to the payment amount, priority ranking is carried out to the default means of payment, the means of payment is generated and recommends sequence.
5. according to the method described in claim 4, it is characterized in that, according to the payment amount, to the default means of payment
Priority ranking is carried out, the means of payment is generated and recommends sequence, comprising:
According to the payment amount, priority ranking is carried out to the default means of payment from high to low according to payment amount；
The means of payment, which is generated, according to the ranking results recommends sequence.
6. generating branch the method according to claim 1, wherein carrying out priority ranking to the default means of payment
The mode of paying recommends sequence, comprising:
It obtains in the default means of payment, the preferential amount of money of every kind of means of payment；
According to the preferential amount of money, priority ranking is carried out to the default means of payment, the means of payment is generated and recommends sequence.
7. according to the method described in claim 6, it is characterized in that, according to the preferential amount of money, to the default means of payment
Priority ranking is carried out, the means of payment is generated and recommends sequence, comprising:
According to the preferential amount of money, priority ranking is carried out to the default means of payment from high to low according to the preferential amount of money；
The means of payment, which is generated, according to the ranking results recommends sequence.
8. a kind of payment mechanism characterized by comprising
Receiving unit, for receiving the means of payment recommendation request of application terminal transmission；
Sequencing unit generates the means of payment and recommends sequence, the default branch for carrying out priority ranking to the default means of payment
The mode of paying includes: remaining sum payment and Third-party payment platform payment；
Creating unit, for recommending sequence, the creation payment page according to the means of payment；
Push unit, for pushing the display interface of the payment page to application terminal, to indicate the application terminal to branch
The center of paying sends payment request, and the order for treating payment account is paid.
9. a kind of platform with payment function, which is characterized in that the platform includes: payment server, is taken with the payment
The paying centre that business device is connected, the payment server and the paying centre are connected by internet with application terminal,
It is characterized in that,
The application terminal, for sending means of payment recommendation request to the payment server；
The payment server, for receiving the means of payment recommendation request of application terminal transmission；The default means of payment is carried out
Priority ranking generates the means of payment and recommends sequence, and the default means of payment includes: remaining sum payment and Third-party payment platform
Payment；Recommend sequence, the creation payment page according to the means of payment；Push display circle of the payment page to application terminal
Face, to indicate that the application terminal sends payment request to paying centre, the order for treating payment account is paid；
The paying centre, for receiving the payment request of application terminal transmission, the order for treating payment account is paid.
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| CN201710538096.0A CN109214797A (en) | 2017-07-04 | 2017-07-04 | A kind of method of payment, device and the platform with payment function |
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| CN201710538096.0A CN109214797A (en) | 2017-07-04 | 2017-07-04 | A kind of method of payment, device and the platform with payment function |
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