CN109472574A - Method of payment, device, computer equipment and storage medium - Google Patents
Method of payment, device, computer equipment and storage medium Download PDFInfo
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- CN109472574A CN109472574A CN201811093259.XA CN201811093259A CN109472574A CN 109472574 A CN109472574 A CN 109472574A CN 201811093259 A CN201811093259 A CN 201811093259A CN 109472574 A CN109472574 A CN 109472574A
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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
- G06Q20/24—Credit schemes, i.e. "pay after"
Abstract
The invention discloses a kind of method of payment, device, computer equipment and storage mediums, this method comprises: receiving order to be paid, calculate payment amount according to order to be paid, generate payment information according to payment amount；Payment information is sent to target payment platform, is paid so that target payment platform pay out according to payment information；The payment feedback information that target payment platform returns is received, whether is succeeded according to paying feedback information judgement and paying out to pay；It pays unsuccessful if paying out, initiates order inquiries to be paid request, inquire the corresponding transacting customer information of order to be paid, paid according to transacting customer information.Pay invoice is treated by target payment platform pay out and pay, so that payment flow is more convenient, if target payment platform is paid out and pays unsuccessful, is paid according to transacting customer information, to ensure that the success rate of transaction payment, improve payment efficiency.
Description
Technical field
The present invention relates to field of computer technology more particularly to a kind of method of payment, device, computer equipment and storage to be situated between
Matter.
Background technique
With the rapid development of science and technology, Internet technology enters the every aspect of people's life, and traditional business model exists
There is bigger change under the influence of Internet technology, the means of payment during traditional business model operation also faces more
Selection and challenge.Internet technology greatly extends transaction channel, also provides more methods of payment, and existing line is submitted
Yi Zhong, the means of payment can totally be divided into Interlink Card and Third-party payment platform, so-called Third-party payment platform typically refer to using
Financial institution other than Unionpay's standard carries out transaction payment to target customer's account.Interlink Card or Third-party payment require to obtain
The account information of target customer is got, this makes payment process more cumbersome, while but also client's personal account information is easy to let out
Dew.
Summary of the invention
The embodiment of the present invention provides a kind of method of payment, device, computer equipment and storage medium, to solve transaction payment
The too low problem of middle payment efficiency.
A kind of method of payment, comprising:
Order to be paid is received, payment amount is calculated according to the order to be paid, branch is generated according to the payment amount
Pay information；
The payment information is sent to target payment platform, so that the target payment platform is according to the payment information
Pay out and pays；
The payment feedback information that the target payment platform returns is received, the generation is judged according to the payment feedback information
Whether payment succeeds；
If described pay out is paid unsuccessful, order inquiries to be paid request is initiated, it is corresponding to inquire the order to be paid
Transacting customer information is paid according to the transacting customer information.
A kind of payment mechanism, comprising:
Payment information generation module calculates payment amount, root according to the order to be paid for receiving order to be paid
Payment information is generated according to the payment amount；
First payment module, for the payment information to be sent to target payment platform, so that target payment is flat
Platform pay out according to the payment information and be paid；
Judgment module is paid, the payment feedback information returned for receiving the target payment platform, according to the payment
It pays out to pay described in feedback information judgement and whether succeed；
Second payment module initiates order inquiries to be paid request, described in inquiry if paying unsuccessful for described pay out
The corresponding transacting customer information of order to be paid, is paid according to the transacting customer information.
A kind of computer equipment, including memory, processor and storage are in the memory and can be in the processing
The step of computer program run on device, the processor realizes above-mentioned method of payment when executing the computer program.
A kind of computer readable storage medium, the computer-readable recording medium storage have computer program, the meter
The step of calculation machine program realizes above-mentioned method of payment when being executed by processor.
Above-mentioned method of payment, device, computer equipment and storage medium calculate payment gold by receiving order to be paid
Volume generates payment information, so that payment process automates；Pay out according to payment information by target payment platform and pay, directly
It connects and is paid the bill by target payment platform to the account of transacting customer, transacting customer is believed without docking transacting customer information and can be completed
The transaction payment of breath has strengthened the confidentiality of transacting customer information, shortens the process of transaction payment, improves payment efficiency；
The payment feedback information returned by target payment platform judges whether payment succeeds, and tests to the result of payment, so that
It pays more acurrate；To unsuccessful its corresponding transacting customer information of order inquiries to be paid is paid, according to transacting customer information
Transaction payment is carried out, has ensured the success rate of payment.
Detailed description of the invention
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below by institute in the description to the embodiment of the present invention
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 any creative labor, can also be according to these attached drawings
Obtain other attached drawings.
Fig. 1 is an application environment schematic diagram of method of payment in one embodiment of the invention；
Fig. 2 is an implementation flow chart of the method for payment provided in one embodiment of the invention；
Fig. 3 is another implementation flow chart of the method for payment provided in the embodiment of the present invention；
Fig. 4 is another implementation flow chart of the method for payment provided in the embodiment of the present invention；
Fig. 5 is another implementation flow chart of the method for payment provided in the embodiment of the present invention；
Fig. 6 is another implementation flow chart of the method for payment provided in the embodiment of the present invention；
Fig. 7 is a schematic diagram of payment mechanism in one embodiment of the invention；
Fig. 8 is a schematic diagram of computer equipment in one embodiment of the invention.
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
Site preparation description, it is clear that described embodiments are some of the embodiments of the present invention, instead of all the embodiments.According to this hair
Embodiment in bright, every other implementation obtained by those of ordinary skill in the art without making creative efforts
Example, shall fall within the protection scope of the present invention.
Method of payment provided by the invention can be applicable in the application environment such as Fig. 1, wherein client by network with
Server-side is communicated, and server-side receives the order to be paid that client is sent, to carry out transaction payment.Wherein, client can
With but be not limited to various personal computers, laptop, smart phone, tablet computer and portable wearable device.Clothes
Business end can be realized with the server cluster of the either multiple server compositions of independent server.
Fig. 2 shows the flow charts of method of payment in the present embodiment.The method of payment is applied in server-side, for according to branch
It pays order and carries out transaction payment, so as to which transaction payment is rapidly completed, to promote the efficiency of transaction payment.As shown in Fig. 2, should
Method of payment includes the following steps:
S10: receiving order to be paid, calculates payment amount according to order to be paid, generates disbursement letter according to payment amount
Breath.
Wherein, order to be paid can be the order for not carrying out amount balance also generated in process of exchange.Payment amount
Refer to the amount of money settled accounts in order to be paid.Payment information is the information for carrying out payment settlement, wherein payment
Information includes payment amount.
Specifically, server-side receives order to be paid, and the payment gold paid the bill is calculated according to order to be paid
Then volume generates payment information according to payment amount.Order to be paid can be all kinds of settlement of insurance claim orders, can be reward and converts
Order is changed, is also possible to company and order etc. is provided to the welfare of employee.For example, order to be paid is that boat prolongs Claims Resolution order, insure
Company promotes boat by partner and prolongs danger, and by partner according to boat Luda data to the dynamic analysis of flight, monitoring flight prolongs
False information makes full use of the platform and resource of partner, establishes contacting between insurance company and transacting customer, if partner supervises
It measures flight to involve a delay, boat prolongs danger and comes into force, and partner prolongs danger generation boat according to the boat that transacting customer is bought and prolongs Claims Resolution order, takes
The boat that business end need to only receive partner's transmission prolongs Claims Resolution order, does not need docking transacting customer information, to realize that resource is total
Cooperation is enjoyed to optimize.
Further, order to be paid contains the encrypted code of algorithm parameter, business algorithm and transacting customer information.
The encrypted code of transacting customer information is a string of encryptions number, is encrypted to transacting customer information, staff can not learn
The personal information of transacting customer can prevent staff from trading in violation of rules and regulations, distort payment amount, so that transaction payment is safer,
It reduces and trades in violation of rules and regulations.Then server-side according to boat prolong Claims Resolution order in algorithm parameter and business algorithm calculate boat prolong Claims Resolution order
Payment amount, payment information is generated according to the payment amount calculated.
S20: being sent to target payment platform for payment information, so that target payment platform is paid out according to payment information
It pays.
Wherein, target payment platform refers to the Third-party payment mechanism that People's Bank of China checks and approves, and is according to mobile interchange
The Financial Information service provider of network technology.Pass through target payment platform user bound account information, the payment gold of collaboration
Amount of money payment transaction can be carried out to transacting customer by target payment platform by melting enterprise.Wherein, payment amount is paid flat by target
Platform is first carried out paying out and be paid, and is directly paid the bill by target payment platform to the account of transacting customer, and paying financial company subsequent can unite again
Twin target payment platform is settled accounts.Payment financial company can be completed without docking transacting customer information to transacting customer
Transaction payment.For example, the comprehensive mobile payment service wing payment that telecommunications group user oriented provides, financial payment enterprise is to the wing
Payment issues payment information, directly is paid pay out to transacting customer by the wing and be paid, financial payment enterprise is both not necessarily to docking transaction
Customer information can quickly carry out transaction payment without by financial system, improve transacting customer information privacy, shorten
The process of transaction payment, improves payment efficiency.
Specifically, payment information is sent to target payment platform by server-side, and target payment platform is right according to payment information
The account for the transacting customer bound by its payment platform pay out and is paid.
S30: receive target payment platform return payment feedback information, according to payment feedback information judgement pay out pay whether
Success.
Wherein, payment feedback information is that target payment platform carries out paying out the prompt information paid and returned later.
Specifically, after target payment platform issues payment amount to client, one payment feedback letter of server-side is returned to
Breath reports payment result.Whether the payment feedback information that server-side is returned according to target payment platform judges the secondary payment transaction
Pay out and pay successfully, wherein judgement pay out pay whether successfully include pay successfully and pay it is unsuccessful.It is possible to further use friendship
Whether easy result mark succeeds to indicate to pay out to pay, for example, can indicate to pay unsuccessful, use with N in payment feedback information
Y expression is paid successfully.Whether succeeded by the transaction results mark judged to pay in feedback information to judge to pay out to pay, convenient for knowing
Not and judge.
S40: it pays unsuccessful if paying out, initiates order inquiries to be paid request, inquire the corresponding transaction of order to be paid
Customer information is paid according to transacting customer information.
Wherein, order inquiries request to be paid refers to the request for inquiring the corresponding transacting customer information of order to be paid.It hands over
Easy customer information refers to the personal information and account information of transacting customer.
Specifically, according to payment feedback information judgement pay out pay whether succeed, if judgement pay out pay it is unsuccessful, for example, sentencing
Transaction results in disconnected payment feedback information are identified as N, then it represents that this, which is paid out, pays unsuccessful, then server-side initiates to be paid orders
Single inquiry request, request inquire the corresponding transacting customer information of order to be paid, then obtain the corresponding transaction of order to be paid
Customer account in customer information directly pays customer account according to transacting customer information.
Specifically, it pays out to pay according to payment feedback information judgement and whether succeed, paid successfully if judgement is paid out, for example, judgement
Transaction results in payment feedback information are identified as Y, then it represents that this, which is paid out, pays successfully, completes this transaction.
In the present embodiment, by calculating payment amount according to order to be paid, payment information is generated, is facilitated according to disbursement letter
Breath carries out transaction payment；Pay out according to payment information by target payment platform and pay, may not need and obtain transacting customer
Account information directly pay out by target payment platform and be paid, realizes resource-sharing cooperation, improve payment efficiency, and mention
High transacting customer information privacy, shortens the process of payment；It pays out to pay according to payment feedback information judgement and whether succeed, so that
Pay out pay it is more secure；It pays out when paying unsuccessful, by obtaining the corresponding transacting customer information of order to be paid, to transacting customer
Information is paid, it is ensured that payment can be continued to complete by paying out a pair unsuccessful order to be paid by target payment platform, be mentioned
The high success rate of transaction payment.
Further, after the step of being paid according to transacting customer information, which can also include such as
Lower step: reconciliation and filing periodically are carried out to payment information.
Wherein, reconciliation, which refers to, is checked and is checked to the related data of transaction payment.Filing refer to transaction payment into
Row summarizing and save put on record.
Specifically, periodically summarize the payment amount of order to be paid, can set according to actual needs with year, season, the moon, week
Or day is to summarize the period.It preferably sets using the moon as the period, monthly No. 1 is summarized the payment amount of order to be paid last month.
And it counts target payment platform in the period and carries out paying out the amount of money paid and canal is paid by target according to transacting customer information
The amount of money of road payment checks that target payment platform pay out the amount of money paid and add passing through target payment according to transacting customer information
Whether the amount of money that channel is paid balances each other with the payment amount of order to be paid.If two side's accounts balance, by the period
Interior payment information, which carries out filing preservation, to be put on record, if two side's accounts are uneven, sent a warning and is prompted.
By periodically carrying out filing and reconciliation to payment information, put on record and with save to transaction payment to related data
It is checked and is checked, further ensure the correctness of transaction payment, and be convenient for subsequent query Transaction Information.
In one embodiment, as shown in figure 3, in step S10, i.e., payment amount is calculated according to order to be paid, according to branch
It pays the amount of money and generates payment information, specifically comprise the following steps:
S11: obtaining the service fields in order to be paid, according to service fields acquisition algorithm parameter.
Wherein, service fields refer in order to be paid for recording the field of the order type of service to be paid.Algorithm
Parameter refers to the type of service for judging order to be paid uses the parameter of which kind of business algorithm.
Specifically, the service fields in order to be paid can preset industry with fixed format record traffic type
The position ID for field of being engaged in, server-side obtain the service fields of order to be paid by obtaining the field of the scheduled position ID, so
Algorithm parameter relevant to service fields is obtained according to service fields afterwards.For example, obtaining the service fields that the position ID is A3 is boat
Prolong danger, the type of service of the order to be paid is that boat prolongs danger, server-side is returned from database according to the type of service of acquisition and
The relevant Claims Resolution radix of the type of service, Claims Resolution rank and insurance rating scheduling algorithm parameter.
S12: according to algorithm parameter, business algorithm corresponding with algorithm parameter is obtained from algorithm configuration table.
Wherein, algorithm configuration table refers to the table comprising business algorithm and corresponding algorithm parameter, for example, algorithm configuration table
Including the main table of algorithm and algorithm condition table.Business algorithm refers to the algorithm for calculating corresponding type of service, for example, boat prolongs danger
The boat that business algorithm is used to calculate transacting customer purchase prolongs the compensation amount of money that danger is settled a claim.
Optionally, be stored in algorithm configuration table the business algorithm of the various businesses type of pre-configured program code with
And the algorithm parameter of the business algorithm.
Specifically, it is obtained from algorithm configuration table according to algorithm parameter using database language corresponding with algorithm parameter
Business algorithm.
S13: according to business algorithm, calculating payment amount, generates payment information according to payment amount.
Specifically, according to business algorithm, payment amount is calculated, the payment information of order to be paid is generated.For example, getting
Boat prolongs dangerous business algorithm, prolongs the payment amount that dangerous business algorithm calculates order to be paid according to boat, further according to payment gold
Volume generates payment information.
In the present embodiment, according to the service fields acquisition algorithm parameter in order to be paid, according to algorithm parameter from calculation
Corresponding business algorithm is got in method allocation list, facilitates the acquisition and calling of business algorithm, is calculated and is paid according to business algorithm
The amount of money generates payment information, effectively increases the reusability of business algorithm, improve the efficiency of operation.
In one embodiment, it as shown in figure 4, in step S40, i.e., is paid, is specifically included according to transacting customer information
Following steps:
S411: payment affirmation message is sent to client, wherein include channel of disbursement in payment affirmation message.
Wherein, payment affirmation message is the message of the confirmation payment sent to transacting customer.Channel of disbursement is to be different from branch
Pay the channel for being used to carry out transaction payment of platform.
Specifically, server-side sends the client of payment affirmation message to transacting customer, and notice transacting customer, which is paid out, to be paid not
It is successful, it include that channel of disbursement is confirmed for transacting customer in payment affirmation message.Preferably, include in payment affirmation message
More than two channel of disbursement are selected convenient for transacting customer, it may for example comprise bank card payment, Alipay payment, wechat branch
Pay grade and the customized channel of disbursement of other transacting customers.It is supplied to a variety of channel of disbursement of transacting customer to be selected, be convenient for
Transacting customer selects most convenient channel of disbursement according to the actual demand of oneself, promotes service quality.
S412: the channel of disbursement selected from client acquisition transacting customer is as target channel of disbursement, according to transacting customer
Information is paid by target channel of disbursement.
Wherein, target channel of disbursement is the channel of disbursement that transaction payment is carried out for treating pay invoice of user's selection.
Specifically, payment affirmation message prompts transacting customer, and transacting customer is according to payment affirmation message notifying
Operating process selects corresponding channel of disbursement according to the actual demand of oneself, and server-side obtains transacting customer from client and propping up
The channel of disbursement selected in confirmation message is paid as target channel of disbursement, target channel of disbursement pair is passed through according to transacting customer information
Transacting customer is paid.
In the present embodiment, by sending payment affirmation message to the client of transacting customer, to notify transacting customer to work as
The process of preceding transaction payment includes channel of disbursement in payment affirmation message, provides more choices to transacting customer, is conducive to hand over
Easy client selects suitable channel of disbursement according to the actual demand of oneself；Then according to transacting customer information, by from client
The target channel of disbursement for obtaining transacting customer selection is paid, and the target channel of disbursement that can be selected according to transacting customer is completed
Payment had not only met the demand of transacting customer, but also can pay unsuccessful order to be paid to paying out by target payment platform
It is paid again, has ensured the success rate of transaction payment.
In one embodiment, it as shown in figure 5, in step S40, i.e., is paid, is specifically included according to transacting customer information
Following steps:
S421: the newest consumption multidate information of transacting customer is obtained.
Wherein, newest consumption multidate information refers to that the business transaction that transacting customer carries out in internet big data platform is living
It is dynamic, record the dynamic information of consumption within its nearest predetermined time.
Specifically, by web crawlers technology, transaction visitor is crawled from internet big data platform according to transacting customer information
Family carries out the newest consumption multidate information of transaction consumption in internet big data platform.Wherein, newest consumption multidate information can be with
It is set according to actual needs, for example, transacting customer is dynamic in the newest consumption that internet big data platform carries out transaction consumption
State information may include according to same transacting customer information is in Taobao, day cat, Jingdone district or only product can wait the branch of network trading platforms
Pay settlement information.Newest consumption multidate information can be before setting the same day within 15 days, the consumption recording information of transacting customer,
It is also possible to the consumption recording information closest to current time.
S422: according to newest consumption multidate information, the common business channel of disbursement of transacting customer is obtained.
Wherein, it commonly uses business channel of disbursement and refers to the channel of disbursement that transacting customer is frequently used in business transaction clearing.
Specifically, it can analyze to obtain transacting customer according to the newest consumption multidate information of transacting customer and be the most recently used
Business channel of disbursement therefrom obtains the common business channel of disbursement of transacting customer.The common business for obtaining transacting customer pays canal
Road can be in preset time period, and the highest business channel of disbursement of trade user frequency of use is as the common of transacting customer
Business channel of disbursement；It is also possible to that canal will be paid apart from the immediate business of current point in time according to using the time to be ranked up
Common business channel of disbursement of the road as transacting customer.
S423: it using common business channel of disbursement as target channel of disbursement, is paid according to transacting customer information by target
Channel is paid.
Wherein, target channel of disbursement is the channel of disbursement that transaction payment is carried out for treating pay invoice.
Specifically, the common business channel of disbursement for getting transacting customer, using common business channel of disbursement as target branch
Channel is paid, transaction payment is carried out by target channel of disbursement according to transacting customer information.For example, the common business branch of transacting customer
Paying channel is Alipay channel of disbursement, obtains transacting customer according to transacting customer information using Alipay as target channel of disbursement
Alipay account, trade order is treated by Alipay and is paid.
In the present embodiment, by obtaining the newest consumption multidate information of transacting customer, analysis obtains the normal of transacting customer
With business channel of disbursement, using internet big data platform, the data information of acquisition more comprehensively, can more accurately obtain transaction visitor
The common business channel of disbursement at family；Then using common business channel of disbursement as target channel of disbursement according to client trading information pair
Order to be paid is paid, so that payment process automates, improves the efficiency of payment, and use recently according to transacting customer
Frequently common business channel of disbursement is available arrives the effective channel of disbursement of transacting customer, according to the newest consumption of transacting customer
The common business channel of disbursement that acquisition of information arrives, can more meet the use habit of transacting customer.
In one embodiment as shown in fig. 6, in step S40, after the step of being paid according to transacting customer information,
The method of payment also specifically comprises the following steps:
S51: summarizing payment information according to prefixed time interval timing, calculates accumulative gold according to the payment amount of payment information
Volume.
Wherein, payment information refers to that order to be paid completes the payment information after payment.Accumulating sum refers to be paid order
Single payment amount for completing transaction payment carries out the accumulative total amount for being added and obtaining.
Specifically, summarize all target payment platforms according to prefixed time interval timing to carry out paying out the payment information paid,
It can be and payment information is summarized according to setpoint frequency, to be summarized every prefixed time interval, when periodically will be default
Between payment information within interval carry out accumulative superposition.For example, summarizing once every 1 day to payment information, default summarizes frequency
It is every 1 day/time, the payment information being aggregated into every time is subjected to accumulative superposition.
S52: if if accumulating sum reaches total amount threshold value or current date reaches time point of periodically refunding, to target
Payment platform is refunded.
Wherein, total amount threshold value refers to the threshold to the accumulative superposition upper limit of the preset payment amount of target payment platform
Value.Periodically refund time point refers to the preset time that the payment amount fund paid is paid out to the clearing of target payment platform
Point.
It specifically, can be by being monitored to accumulating sum, if accumulating sum reaches pre-set total amount for the first time
Threshold value, then trigger refund program, and server-side is refunded from trend target payment platform according to accumulating sum and settled accounts；It can also be setting
It refunds time point, if accumulating sum does not reach total amount threshold value, current date reaches preset regular refund time point, then obtains
The accumulating sum in current billing cycle is taken, is refunded and is settled accounts from trend target payment platform according to accumulating sum.
It in the present embodiment,, can be with to calculate accumulating sum by summarizing payment information according to prefixed time interval timing
Real-time update target payment platform carries out paying out the accumulating sum paid；Total amount threshold value is set and setting is periodically refunded time point,
Reach total amount threshold value by accumulating sum then to refund to target payment platform and by judging that current date reaches periodically refund
Time point then refunds to target payment platform, and the refund time to target payment platform can have both been controlled in terms of accumulating sum,
When trading volume is big, accelerate the time of refunding, can ensure that normally paying out for target payment platform is paid；It again can be according to regular
The refund time refunds, so that reducing refund number when trading volume is few, rationally refunding.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process
Execution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present invention constitutes any limit
It is fixed.
In one embodiment, a kind of payment mechanism is provided, method of payment one is a pair of in the payment mechanism and above-described embodiment
It answers.As shown in fig. 7, the payment mechanism includes payment information generation module 10, the first payment module 20, payment 30 and of judgment module
Second payment module 40.Detailed description are as follows for each functional module:
Payment information generation module 10 calculates payment amount according to order to be paid for receiving order to be paid, according to
Payment amount generates payment information.
First payment module 20, for payment information to be sent to target payment platform so that target payment platform according to
Payment information pay out and is paid.
Judgment module 30 is paid, for receiving the payment feedback information of target payment platform return, according to payment feedback letter
Breath judgement pays out to pay whether succeed.
Second payment module 40 is initiated order inquiries to be paid request, is inquired to be paid if paying unsuccessful for paying out
The corresponding transacting customer information of order, is paid according to transacting customer information.
Preferably, payment information generation module 10 includes: algorithm parameter acquiring unit 11,12 and of business algorithm acquiring unit
Payment amount computing unit 13.
Algorithm parameter acquiring unit 11 is obtained according to service fields and is calculated for obtaining the service fields in order to be paid
Method parameter.
Business algorithm acquiring unit 12, for being obtained from algorithm configuration table opposite with algorithm parameter according to algorithm parameter
The business algorithm answered.
Payment amount computing unit 13 is generated according to payment amount and is paid for calculating payment amount according to business algorithm
Information.
Preferably, the second payment module 40 includes: the first channel of disbursement selecting unit 411 and the first channel of disbursement paying bill
Member 412.
First channel of disbursement selecting unit 411, for sending payment affirmation message to client, wherein payment affirmation disappears
It include channel of disbursement in breath.
First channel of disbursement payment unit 412, the channel of disbursement for selecting from client acquisition transacting customer is as mesh
Channel of disbursement is marked, is paid according to transacting customer information by target channel of disbursement.
Preferably, the second payment module 40 includes: consumption multidate information acquiring unit 421, the second channel of disbursement selection list
Member 422 and the second channel of disbursement payment unit 423.
Multidate information acquiring unit 421 is consumed, for obtaining the newest consumption multidate information of transacting customer.
Second channel of disbursement selecting unit 422, for obtaining the common quotient of transacting customer according to newest consumption multidate information
Industry channel of disbursement.
Second channel of disbursement payment unit 423 is used for using common business channel of disbursement as target channel of disbursement, according to friendship
Easy customer information is paid by target channel of disbursement.
Preferably, payment mechanism further include: accumulating sum computing module 51 and refund module 52.
Accumulating sum computing module 51, for summarizing payment information according to prefixed time interval timing, according to payment information
Payment amount calculate accumulating sum.
Refund module 52, if if reaching total amount threshold value for accumulating sum or current date reaches the time of periodically refunding
Point is then refunded to target payment platform.
Specific about payment mechanism limits the restriction that may refer to above for method of payment, and details are not described herein.
Modules in above-mentioned payment mechanism can be realized fully or partially through software, hardware and combinations thereof.Above-mentioned each module can
It is embedded in the form of hardware or independently of in the processor in computer equipment, computer can also be stored in a software form and set
In memory in standby, the corresponding operation of the above modules is executed in order to which processor calls.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junction
Composition can be as shown in Figure 8.The computer equipment include by system bus connect processor, memory, network interface and
Database.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory packet of the computer equipment
Include non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program and data
Library.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculating
The network interface of machine equipment is used to communicate with external terminal by network connection.When the computer program is executed by processor with
Realize a kind of method of payment.
In one embodiment, a kind of computer equipment is provided, including memory, processor and storage are on a memory
And the computer program that can be run on a processor, processor perform the steps of when executing computer program
Order to be paid is received, payment amount is calculated according to the order to be paid, branch is generated according to the payment amount
Pay information；
The payment information is sent to target payment platform, so that the target payment platform is according to the payment information
Pay out and pays；
The payment feedback information that the target payment platform returns is received, transaction branch is judged according to the payment feedback information
It pays and whether succeeds；
If the transaction payment is unsuccessful, order inquiries request to be paid is initiated, it is corresponding to inquire the order to be paid
Transacting customer information, paid according to the transacting customer information.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated
Machine program performs the steps of when being executed by processor
Order to be paid is received, payment amount is calculated according to the order to be paid, branch is generated according to the payment amount
Pay information；
The payment information is sent to target payment platform, so that the target payment platform is according to the payment information
Pay out and pays；
The payment feedback information that the target payment platform returns is received, transaction branch is judged according to the payment feedback information
It pays and whether succeeds；
If the transaction payment is unsuccessful, order inquiries request to be paid is initiated, it is corresponding to inquire the order to be paid
Transacting customer information, paid according to the transacting customer information.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,
To any reference of memory, storage, database or other media used in each embodiment provided herein,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include
Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms,
Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing
Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can unit, module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of described device is divided into different functional unit or module, more than completing
The all or part of function of description.
Above-described embodiment is merely illustrative of the technical solution of the present invention, rather than its limitations；Although with reference to the foregoing embodiments
Invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each implementation
Technical solution documented by example is modified or equivalent replacement of some of the technical features；And these modification or
Replacement, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution should all include
Within protection scope of the present invention.
Claims (10)
1. a kind of method of payment characterized by comprising
Order to be paid is received, payment amount is calculated according to the order to be paid, disbursement letter is generated according to the payment amount
Breath；
The payment information is sent to target payment platform, so that the target payment platform is carried out according to the payment information
It pays out and pays；
The payment feedback information that the target payment platform returns is received, pays out and pays according to payment feedback information judgement
Whether succeed；
If described pay out is paid unsuccessful, order inquiries to be paid request is initiated, the corresponding transaction of the order to be paid is inquired
Customer information is paid according to the transacting customer information.
2. method of payment as described in claim 1, which is characterized in that described to calculate payment gold according to the order to be paid
Volume generates payment information according to the payment amount, comprising:
The service fields in the order to be paid are obtained, according to the service fields acquisition algorithm parameter；
According to the algorithm parameter, business algorithm corresponding with the algorithm parameter is obtained from algorithm configuration table；
According to the business algorithm, the payment amount is calculated, the payment information is generated according to the payment amount.
3. method of payment as described in claim 1, which is characterized in that it is described to be paid according to the transacting customer information,
Include:
Payment affirmation message is sent to client, wherein include channel of disbursement in the payment affirmation message；
The channel of disbursement selected from client acquisition transacting customer is logical according to the transacting customer information as target channel of disbursement
The target channel of disbursement is crossed to be paid.
4. method of payment as described in claim 1, which is characterized in that it is described to be paid according to the transacting customer information,
Include:
Obtain the newest consumption multidate information of transacting customer；
According to the newest consumption multidate information, the common business channel of disbursement of transacting customer is obtained；
Using the common business channel of disbursement as target channel of disbursement, the target branch is passed through according to the transacting customer information
Channel is paid to be paid.
5. method of payment as described in claim 1, which is characterized in that paid described according to the transacting customer information
The step of after, the method for payment further include:
Summarize the payment information according to prefixed time interval timing, accumulative gold is calculated according to the payment amount of the payment information
Volume；
If being paid if the accumulating sum reaches total amount threshold value or current date reaches time point of periodically refunding to target
Platform is refunded.
6. a kind of payment mechanism characterized by comprising
Payment information generation module calculates payment amount according to the order to be paid, according to institute for receiving order to be paid
It states payment amount and generates payment information；
First payment module, for the payment information to be sent to target payment platform, so that the target payment platform root
Pay out according to the payment information and pay；
Judgment module is paid, the payment feedback information returned for receiving the target payment platform is fed back according to the payment
It pays out to pay described in information judgement and whether succeed；
Second payment module initiates order inquiries to be paid request, inquiry is described wait prop up if paying unsuccessful for described pay out
The corresponding transacting customer information of order is paid, is paid according to the transacting customer information.
7. payment mechanism as claimed in claim 6, which is characterized in that the payment information generation module includes:
Algorithm parameter acquiring unit is obtained for obtaining the service fields in the order to be paid according to the service fields
Algorithm parameter；
Business algorithm acquiring unit, for being obtained and the algorithm parameter phase from algorithm configuration table according to the algorithm parameter
Corresponding business algorithm；
Payment amount computing unit, it is raw according to the payment amount for calculating the payment amount according to the business algorithm
At the payment information.
8. payment mechanism as claimed in claim 6, which is characterized in that the payment mechanism further include:
Accumulating sum computing module, for summarizing the payment information according to prefixed time interval timing, according to the disbursement letter
The payment amount of breath calculates accumulating sum；
Refund module, if if reaching total amount threshold value for the accumulating sum or current date reaches the time of periodically refunding
Point is then refunded to target payment platform.
9. a kind of computer equipment, including memory, processor and storage are in the memory and can be in the processor
The computer program of upper operation, which is characterized in that the processor realized when executing the computer program as claim 1 to
The step of any one of 5 method of payment.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, and feature exists
In realization is as described in any one of claim 1 to 5 the step of method of payment when the computer program is executed by processor.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811093259.XA CN109472574A (en) | 2018-09-19 | 2018-09-19 | Method of payment, device, computer equipment and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811093259.XA CN109472574A (en) | 2018-09-19 | 2018-09-19 | Method of payment, device, computer equipment and storage medium |
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| Publication Number | Publication Date |
|---|---|
| CN109472574A true CN109472574A (en) | 2019-03-15 |
Family
ID=65664713
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811093259.XA Pending CN109472574A (en) | 2018-09-19 | 2018-09-19 | Method of payment, device, computer equipment and storage medium |
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| CN109978504A (en) * | 2019-03-25 | 2019-07-05 | 金在（北京）金融信息服务有限公司 | Processing method, device, equipment and the storage medium of financial data |
| CN110135838A (en) * | 2019-04-15 | 2019-08-16 | 深圳壹账通智能科技有限公司 | Electric paying method, device, computer equipment and storage medium |
| CN110458547A (en) * | 2019-08-02 | 2019-11-15 | 浙江融易区块链科技有限公司 | A kind of payment gateway service device and channel of disbursement selection method |
| CN111930747A (en) * | 2020-07-31 | 2020-11-13 | 广州威尔森信息科技有限公司 | Online data purchasing method and device |
| CN112488702A (en) * | 2019-04-29 | 2021-03-12 | 创新先进技术有限公司 | Settlement method and device based on block chain and electronic equipment |
| CN112686666A (en) * | 2020-12-28 | 2021-04-20 | 中国铁路网络有限公司 | Electronic wallet transaction method and device for railway business system |
| CN113592444A (en) * | 2021-07-26 | 2021-11-02 | 远光软件股份有限公司 | Calculation method and device of money transfer amount, storage medium and electronic equipment |
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