CN110264169A - A kind of payment method for routing, device, equipment and readable storage medium storing program for executing - Google Patents
A kind of payment method for routing, device, equipment and readable storage medium storing program for executing Download PDFInfo
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- CN110264169A CN110264169A CN201910536617.8A CN201910536617A CN110264169A CN 110264169 A CN110264169 A CN 110264169A CN 201910536617 A CN201910536617 A CN 201910536617A CN 110264169 A CN110264169 A CN 110264169A
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- 230000005540 biological transmission Effects 0.000 claims abstract description 13
- 238000004590 computer program Methods 0.000 claims description 11
- 230000015654 memory Effects 0.000 claims description 8
- 238000004364 calculation method Methods 0.000 claims 1
- 230000008569 process Effects 0.000 abstract description 19
- 230000008447 perception Effects 0.000 abstract description 8
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- 230000006870 function Effects 0.000 description 3
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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Abstract
The invention discloses a kind of payment method for routing, method includes the following steps: receiving and parsing through the payment request of target user's transmission, determine payment demand and payment channel；Judge that can payment channel meet payment demand；If it is not, then selection meets the destination channel of payment demand from backup payment channel；Signing information is obtained using target user's payment channel of having contracted, and is contracted using signing information in destination channel, is paid after contracting successfully using destination channel.This method, after current payment channel is unsatisfactory for payment demand, during selection meets the destination channel of payment demand until completing payment, information needed for submitting signing without target user, user is weaker to the perception of signing, payment process more convenient and efficient.The invention also discloses a kind of payment route device, equipment and readable storage medium storing program for executing, have corresponding technical effect.
Description
Technical field
The present invention relates to internet payment technical field, more particularly to a kind of payment method for routing, device, equipment and can
Read storage medium.
Background technique
In general, payment company can access a large amount of different bank paying channels, even and same bank, payment
Company also may usually complete access (net connection payment channel, Unionpay's PayPal for the stability of business by different channels
Road etc.), therefore user, when merchant end or client initiate the request of payment transaction, payment company needs according to payment transaction
Feature and demand, and the attribute in each bank channel is combined, filter out the payment demand that suitable bank channel meets user.
Currently, before being paid, it will usually carry out the process of one " tying up card ", the process of this " tying up card " is referred to as
" signing ".Specific process, i.e. user submit card number, and identity card, name, the information such as cell-phone number, then bank's transmitting short message is tested
Code is demonstrate,proved, after user backfills identifying code, that is, completes signing.It completes signing and refers to holder, pay company, bank tripartite completes
Authentication relationship (bank's meeting and payment company can all record corresponding signing information), then bank can distribute a signing number to
Payment company, woth no need to submit above- mentioned information, can initiate payment request and be propped up when subsequent holder initiates payment request
It pays.
But former payment channel is unreliable or the reasons such as current time is unavailable, switches over bank channel, currently
Routing plan in will appear repetition signing and cause, the problem of payment efficiency is low, poor user experience.Specifically, user props up in original
It pays and contracts on channel, after switching channel, also need user to contract again in new payment channel.It contracts again, so that with
The signing cost (as time-consuming) at family increases, and the time of payment extends, information (such as bank card needed for being difficult to provide signing in user
Number) when, it just can not successfully contract, eventually lead to payment failure.
In conclusion the problems such as how efficiently solving when switching payment channel, improving payment efficiency, is current ability
Field technique personnel technical problem urgently to be solved.
Summary of the invention
The object of the present invention is to provide a kind of payment method for routing, device, equipment and readable storage medium storing program for executing, in switching branch
It when paying channel, is contracted by backup payment channel and weak perception, improves payment effect, improve user experience.
In order to solve the above technical problems, the invention provides the following technical scheme:
A kind of payment method for routing, comprising:
The payment request for receiving and parsing through target user's transmission, determines payment demand and payment channel；
Judge that can the payment channel meet the payment demand；
If it is not, then selection meets the destination channel of the payment demand from backup payment channel；
Using the target user contracted payment channel obtain signing information, and using the signing information in the mesh
Mark channel is contracted, and is paid after contracting successfully using the destination channel.
Preferably, further includes:
Subscription request is received and parsed through, user information and specified signing payment channel are obtained；
It is contracted in the signing payment channel using the user information, and obtains the signing information；
The subsidiary signing PayPal recognized each other with the signing payment channel agreement is selected from the backup payment channel
Road；
It is contracted using the signing information in the incidentally signing payment channel.
Preferably, the selection from backup payment channel meets the destination channel of the payment demand, comprising:
Judge in the backup payment channel with the presence or absence of payment channel of incidentally contracting；
If it is, selection meets the destination channel of the payment demand from the payment channel of incidentally contracting,
And it is directly paid using the destination channel；
If it is not, then selection meets the destination channel of the payment demand from the backup payment channel.
Preferably, using the target user contracted payment channel obtain signing information, comprising:
If the target user completes to contract in the payment channel, the signing is obtained from the payment channel
Information.
Preferably, using the target user contracted payment channel obtain signing information, comprising:
If the target user is unsigned in the payment channel, contract from the current logon account of the target user
Payment channel in obtain the signing information.
Preferably, using the target user contracted payment channel obtain signing information, comprising:
If the target user is unsigned in the payment channel, and the current logon account of the target user is endlessly contracted
Payment channel, then judge the target user with the presence or absence of multiple accounts；
If it is, multiple accounts of target user described in traversal queries, that has contracted from the target user appoints
The signing information is obtained in payment channel of anticipating.
Preferably, when the signing information can not be obtained, comprising: Xiang Suoshu target user sends the prompt of payment failure
Information.
A kind of payment route device, comprising:
Payment request parsing module, for receive and parse through target user transmission payment request, determine payment demand and
Payment channel；
Judgment module, for judging that can the payment channel meet the payment demand；
Destination channel selecting module, if being unable to satisfy the payment demand for the payment channel, from backup branch
Pay the destination channel that selection in channel meets the payment demand；
Contract payment module, for using the target user contracted payment channel obtain signing information, and utilize institute
It states signing information to contract in the destination channel, be paid after contracting successfully using the destination channel.
A kind of payment routing device, comprising:
Memory, for storing computer program；
Processor, the step of above-mentioned payment method for routing is realized when for executing the computer program.
A kind of readable storage medium storing program for executing is stored with computer program, the computer program quilt on the readable storage medium storing program for executing
The step of processor realizes above-mentioned payment method for routing when executing.
Using method provided by the embodiment of the present invention, the payment request of target user's transmission is received and parsed through, determines branch
Pay demand and payment channel；Judge that can payment channel meet payment demand；If it is not, then being selected from backup payment channel full
The destination channel of foot payment demand；Signing information is obtained using target user's payment channel of having contracted, and is existed using signing information
Destination channel is contracted, and is paid after contracting successfully using destination channel.
As it can be seen that in the method, when receiving the payment request of target user's transmission, it is first determined pay out demand and
Payment channel.In order to improve user experience, before being paid, first judge whether payment channel meets payment demand, if not
Meet, then selects the destination channel for meeting the payment demand from backup payment channel.Then, the signing letter of target user is obtained
Breath, and contracted on destination channel using the signing information.After contracting successfully, payment just is completed using the destination channel.
After current payment channel is unsatisfactory for payment demand, selection meets the destination channel of payment demand until completing the process of payment
In, information needed for submitting signing without target user, user is weaker to the perception of signing, payment process more convenient and efficient.
At the same time, if after perception signing, the interaction time number between user also greatly reduces, and can save a large amount of computer money
Source avoids occupying Internet resources.
Correspondingly, the embodiment of the invention also provides payment route device corresponding with above-mentioned payment method for routing, set
Standby and readable storage medium storing program for executing, has above-mentioned technique effect, and details are not described herein.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
It obtains other drawings based on these drawings.
Fig. 1 is a kind of implementation flow chart for paying method for routing in the embodiment of the present invention；
Fig. 2 is a kind of structural schematic diagram for paying route device in the embodiment of the present invention；
Fig. 3 is a kind of structural schematic diagram for paying routing device in the embodiment of the present invention；
Fig. 4 is a kind of concrete structure schematic diagram for paying routing device in the embodiment of the present invention.
Specific embodiment
In order to enable those skilled in the art to better understand the solution of the present invention, with reference to the accompanying drawings and detailed description
The present invention is described in further detail.Obviously, described embodiments are only a part of the embodiments of the present invention, rather than
Whole embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art are not making creative work premise
Under every other embodiment obtained, shall fall within the protection scope of the present invention.
Embodiment one:
Payment routing refers to that user selects a kind of means of payment in front end (client), for example uses certain bank debit
After paying, background system can not necessarily call directly the interface of the bank to execute payment, but according to the payment need of user
Asking from Third-party payment platform and Unionpay etc. all supports the debit payments interface of the bank to be paid.It is this to pay
Mode implements to the software module or equipment using specific payment interface, i.e. payment routing.That is, branch provided by the present embodiment
Paying method for routing can be applied particularly to implement to the means of payment in software module or equipment using specific payment interface.
Referring to FIG. 1, Fig. 1 is a kind of flow chart for paying method for routing in the embodiment of the present invention.This method includes following
Step:
S101, the payment request for receiving and parsing through target user's transmission, determine payment demand and payment channel.
When target user pays, the software mould of routing can be paid to realization by operation client or merchant end
Block or equipment send payment request.The payment request can carry payment demand, payment channel, the user information of user.Wherein, it props up
The demand of paying such as arrives account time (for example, arriving account or next day immediately to account), payment cost (such as service charge), payment amount demand,
The payment channel that payment channel can currently contract channel for user or user specifies.
After receiving payment request, payment request is parsed using respective protocol.Resolving can be found in often
The request analysis process seen, this is no longer going to repeat them.
S102, judge that can payment channel meet payment demand.
After getting the corresponding payment channel of payment request and payment demand, it can first determine whether that can current payment channel
Meet payment demand.Specifically, can determine whether current payment channel can be used first, if it is reliable, if payment channel is unavailable
Or it is unreliable, the payment channel can be directly determined and be unable to satisfy payment demand.If it is determined that current payment channel can be reliable, at this time
Can further judge current payment channel whether satisfaction payment demand.Specifically, such as judging the payment amount of the payment channel
Whether the payment amount in satisfaction payment demand, if current payment channel is Third-party payment channel, and the payment channel is every
Day Sum Limited or exempt from service charge amount have been used up or amount be less than payment amount；The whether full to the account time of the payment channel judged
Account time demand is arrived in sufficient payment demand.Traversal queries can be carried out by the payment rule to payment channel, judge PayPal
Whether road meets payment demand, i.e., by the way that inquiry is compared with payment rule, determines whether payment channel meets payment demand；
It can also can be used for judging whether payment channel meets the port number of payment demand by being monitored to payment channel to obtain
According to determining whether to meet payment demand by way of comparing channel data.
After determining whether the payment channel meets payment demand, subsequent branch can be executed according to specific judging result
Pay operation.Specifically, if it is judged that be it is no, then follow the steps the operation of S103；If it is judged that be it is yes, then execute step
The operation of rapid S105.
S103, selection meets the destination channel of payment demand from backup payment channel.
In embodiments of the present invention, can payment rule to a variety of payment channels or payment performance etc. be monitored and tie up
Shield.In embodiments of the present invention, the payment channel other than payment channel corresponding with payment request is referred to as to backup payment
Channel.
When the judgment result is no, i.e., PayPal corresponding with payment request is unable to satisfy payment demand, at this time can be from standby
The destination channel for meeting payment demand is selected in part payment channel.Specifically, can determine whether the payment of each payment channel
Energy and payment rule are compared with payment demand, it is determined whether the process for meeting payment demand is corresponding with payment request is judged
The process whether payment channel meets payment demand can be to should refer to.It is needed when being all satisfied payment there are plurality of passages in backup path
When asking, a channel can be randomly choosed in this plurality of passages as destination channel.Preferably, when there are a plurality of in backup path
When channel is all satisfied payment demand, the channel that reliability is best or payment procedure is minimum can be selected to make in this plurality of passages
For destination channel.In embodiments of the present invention, destination channel can be the payment interface that bank provides, and can also be Third-party payment
The payment interface that system provides.
S104, payment channel of having been contracted using target user obtain signing information, and using signing information in destination channel
It contracts, is paid after contracting successfully using destination channel.
In embodiments of the present invention, signing information can be specially user after signing, user (i.e. holder), bank and branch
Such as card number (bank's card number) needed for the authentication relationship and signing of Fu company, identity card, the certifications such as name and cell-phone number letter
Breath.In embodiments of the present invention, obtain signing information provides the mode of authentication information without user again, specifically, can wrap
Include following acquisition modes:
Acquisition modes one: if target user completes to contract in payment channel, signing information is obtained from payment channel.
If target user completes signing in payment channel corresponding with payment request, the payment channel has recorded signing letter at this time
Breath directly can obtain signing information from the payment channel at this time to weaken user's signing experience.Specifically, can directly from
The signing information of target user is obtained in the payment channel agreement.
Acquisition modes two: it if target user is unsigned in payment channel, has contracted from the current logon account of target user
Payment channel in obtain signing information.If target user completes signing not in the corresponding payment channel of payment request, this
When can by reading the payment channel that contract of the current logon account of target user, then in contracted and obtain label in payment channel
About information.
Acquisition modes three: if target user is unsigned in payment channel, and the current logon account of target user is endlessly contracted
Payment channel, then judge target user with the presence or absence of multiple accounts；If it is, multiple accounts of traversal queries target user
Family obtains signing information from any one payment channel that target user has contracted.If target user is payment request pair
The payment channel answered does not complete signing, and current logon account yet unsigned any payment channel, at this time using target user
Identity information (such as identification card number, name) inquire whether the target user has multiple accounts, if so, then further from multiple accounts
In family then inquiry obtains signing letter with the presence or absence of the payment channel contracted from the payment channel that any one has been contracted
Breath.
After obtaining signing information, it can directly be contracted using signing information in destination channel, be utilized after contracting successfully
Destination channel is paid.It is contracted on destination channel using signing information, it can directly by signing information, there are targets to lead to
On road, corresponding bank, payment company corresponding signing information can be sent into signing information, contracted.It is contracting successfully
Afterwards, paid using destination channel.Payment process is no different with existing based on payment channel progress internet payment, can
With reference to existing payment realization process, this is no longer going to repeat them.
S105, it is paid using payment channel.
When determining that corresponding with payment request payment channel meets payment demand, can directly utilize at this time payment channel into
Row payment.
It is considered that if target user in the case where not contracting, has payment demand also signing can not be being obtained
When information, the prompt information of payment failure is informed to user, is contracted so that user is based further on the prompt information.That is,
When signing information can not be obtained, the prompt information of payment failure is sent to target user.Wherein, prompt information can be specially and work as
Preceding payment failure please complete row payment again after signing.
Using method provided by the embodiment of the present invention, the payment request of target user's transmission is received and parsed through, determines branch
Pay demand and payment channel；Judge that can payment channel meet payment demand；If it is not, then being selected from backup payment channel full
The destination channel of foot payment demand；Signing information is obtained using target user's payment channel of having contracted, and is existed using signing information
Destination channel is contracted, and is paid after contracting successfully using destination channel.
As it can be seen that in the method, when receiving the payment request of target user's transmission, it is first determined pay out demand and
Payment channel.In order to improve user experience, before being paid, first judge whether payment channel meets payment demand, if not
Meet, then selects the destination channel for meeting the payment demand from backup payment channel.Then, the signing letter of target user is obtained
Breath, and contracted on destination channel using the signing information.After contracting successfully, payment just is completed using the destination channel.
After current payment channel is unsatisfactory for payment demand, selection meets the destination channel of payment demand until completing the process of payment
In, information needed for submitting signing without target user, user is weaker to the perception of signing, payment process more convenient and efficient.
At the same time, if after perception signing, the interaction time number between user also greatly reduces, and can save a large amount of computer money
Source avoids occupying Internet resources.
It should be noted that based on the above embodiment, the embodiment of the invention also provides be correspondingly improved scheme.Excellent
It can mutually be referred between step or corresponding steps same with the above-mentioned embodiment involved in choosing/improvement embodiment, it is corresponding beneficial
Effect can also be cross-referenced, no longer repeats one by one in preferred/improvement embodiment of this paper.
Preferably, to further increase payment effect, can user for the first time when contracting in a payment channel,
Signing can be completed in multiple payment channels simultaneously, during continuation payment, can be believed using the signing in above-described embodiment
Breath acquisition modes one are contracted, if or destination channel as contracted channel, directly can complete payment using destination channel,
Reduction signing process in payment process is also saved, that is, performing S103, selecting to meet payment from backup payment channel
After the destination channel of demand, payment directly is completed using destination channel.The specific implementation process of multichannel signing, comprising:
Step 1: receiving and parsing through subscription request, user information and specified signing payment channel are obtained；
Step 2: contracting in signing payment channel using user information, and obtain signing information；
Step 3: selecting the subsidiary signing PayPal recognized each other with signing payment channel agreement from backup payment channel
Road；
Step 4: being contracted using signing information in subsidiary signing payment channel.
It is illustrated for ease of description, below combining aforementioned four step.
After receiving subscription request, subscription request can be parsed, determine user information and specified signing
Payment channel.Wherein, user information may particularly include needed for signing such as card number (bank's card number), identity card, name and mobile phone
Number etc. information authentication information.After signing payment channel is contracted, signing information can be obtained, and using the signing information from
The subsidiary signing payment channel recognized each other with signing payment channel agreement is selected in backup payment channel.That is, when backup
In the case that payment channel and the payment channel agreement currently contracted are recognized each other or channel signing conditions allow, the label can be directly utilized
About information is contracted in subsidiary signing payment channel.In this way, the experience of user is primary signing operation, more are completed in batches
Pay the signing of channel, more time saving and energy saving, better user experience.
Correspondingly, if sampling aforesaid way is contracted in the signing process of user for the first time, when payment is actually needed, from
Selection meets the destination channel of payment demand in backup payment channel, can optimize are as follows: whether there is in judgement backup payment channel
It incidentally contracts payment channel；If it is, selection meets the destination channel of payment demand from subsidiary signing payment channel, and straight
It connects and is paid using destination channel；If it is not, then selection meets the destination channel of payment demand from backup payment channel.?
Select the backup payment channel for having contracted and having met payment demand as destination channel, preferentially exactly directly to utilize the target
Payment channel completes signing.
Embodiment two:
Corresponding to above method embodiment, the embodiment of the invention also provides a kind of payment route devices, are described below
Payment route device can correspond to each other reference with above-described payment method for routing.
Shown in Figure 2, which comprises the following modules:
Payment request parsing module 101 determines payment demand for receiving and parsing through the payment request of target user's transmission
And payment channel；
Judgment module 102, for judging that can payment channel meet payment demand；
Destination channel selecting module 103, if being unable to satisfy payment demand for payment channel, from backup payment channel
The middle destination channel for selecting to meet payment demand；
Contract payment module 104, for using target user contracted payment channel obtain signing information, and using signing
Information is contracted in destination channel, is paid after contracting successfully using destination channel.
Using device provided by the embodiment of the present invention, the payment request of target user's transmission is received and parsed through, determines branch
Pay demand and payment channel；Judge that can payment channel meet payment demand；If it is not, then being selected from backup payment channel full
The destination channel of foot payment demand；Signing information is obtained using target user's payment channel of having contracted, and is existed using signing information
Destination channel is contracted, and is paid after contracting successfully using destination channel.
As it can be seen that in the present apparatus, when receiving the payment request of target user's transmission, it is first determined pay out demand and
Payment channel.In order to improve user experience, before being paid, first judge whether payment channel meets payment demand, if not
Meet, then selects the destination channel for meeting the payment demand from backup payment channel.Then, the signing letter of target user is obtained
Breath, and contracted on destination channel using the signing information.After contracting successfully, payment just is completed using the destination channel.
After current payment channel is unsatisfactory for payment demand, selection meets the destination channel of payment demand until completing the process of payment
In, information needed for submitting signing without target user, user is weaker to the perception of signing, payment process more convenient and efficient.
At the same time, if after perception signing, the interaction time number between user also greatly reduces, and can save a large amount of computer money
Source avoids occupying Internet resources.
In a kind of specific embodiment of the invention, further includes:
Module of contracting obtains user information and specified signing payment channel for receiving and parsing through subscription request；It utilizes
User information is contracted in signing payment channel, and obtains signing information；It selects and contracts from backup payment channel
The subsidiary signing payment channel that payment channel agreement is recognized each other；It is contracted using signing information in subsidiary signing payment channel.
In a kind of specific embodiment of the invention, when having signing module, destination channel selecting module 103, tool
Body is for judging in backup payment channel with the presence or absence of payment channel of incidentally contracting；If it is, from subsidiary signing payment channel
The middle destination channel for selecting to meet payment demand, and directly paid using destination channel；If it is not, then from backup PayPal
Selection meets the destination channel of payment demand in road.
In a kind of specific embodiment of the invention, payment module 104 of contracting, if having been propped up specifically for target user
It pays channel and completes signing, then obtain signing information from payment channel.
In a kind of specific embodiment of the invention, payment module 104 of contracting, if being paid specifically for target user
Channel is unsigned, then obtains signing information from the payment channel that the current logon account of target user has been contracted.
In a kind of specific embodiment of the invention, payment module 104 of contracting, if being paid specifically for target user
Channel is unsigned, and the payment channel of the current logon account of target user endlessly signing, then judges target user with the presence or absence of more
A account；If it is, multiple accounts of traversal queries target user, any one payment channel contracted from target user
Middle acquisition signing information.
In a kind of specific embodiment of the invention, payment module 104 of contracting, specifically for signing letter can not be being obtained
When breath, the prompt information of payment failure is sent to target user.
Embodiment three:
Corresponding to above method embodiment, the embodiment of the invention also provides a kind of payment routing devices, are described below
A kind of payment routing device can correspond to each other reference with a kind of above-described payment method for routing.
Shown in Figure 3, which includes:
Memory D1, for storing computer program；
Processor D2, when for executing computer program the step of the payment method for routing of realization above method embodiment.
Specifically, referring to FIG. 4, Fig. 4 be it is provided in this embodiment it is a kind of pay routing device concrete structure schematic diagram,
The payment routing device can generate bigger difference because configuration or performance are different, may include one or more processing
Device (central processing units, CPU) 322 (for example, one or more processors) and memory 332, one
(such as one or more mass memories of storage medium 330 of a or more than one storage application program 342 or data 344
Equipment).Wherein, memory 332 and storage medium 330 can be of short duration storage or persistent storage.It is stored in storage medium 330
Program may include one or more modules (diagram does not mark), and each module may include in data processing equipment
Series of instructions operation.Further, central processing unit 322 can be set to communicate with storage medium 330, route in payment
The series of instructions operation in storage medium 330 is executed in equipment 301.
Paying routing device 301 can also include one or more power supplys 326, one or more wired or nothings
Wired network interface 350, one or more input/output interfaces 358, and/or, one or more operating systems 341.
For example, Windows ServerTM, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM etc..
Step in payment method for routing as described above can be realized by the structure of payment routing device.
Example IV:
Corresponding to above method embodiment, the embodiment of the invention also provides a kind of readable storage medium storing program for executing, are described below
A kind of readable storage medium storing program for executing can correspond to each other reference with a kind of above-described payment method for routing.
A kind of readable storage medium storing program for executing is stored with computer program on readable storage medium storing program for executing, and computer program is held by processor
The step of payment method for routing of above method embodiment is realized when row.
The readable storage medium storing program for executing be specifically as follows USB flash disk, mobile hard disk, read-only memory (Read-Only Memory,
ROM), the various program storage generations such as random access memory (Random Access Memory, RAM), magnetic or disk
The readable storage medium storing program for executing of code.
Professional further appreciates that, unit described in conjunction with the examples disclosed in the embodiments of the present disclosure
And algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, in order to clearly demonstrate hardware and
The interchangeability of software generally describes each exemplary composition and step according to function in the above description.These
Function is implemented in hardware or software actually, the specific application and design constraint depending on technical solution.Profession
Technical staff can use different methods to achieve the described function each specific application, but this realization is not answered
Think beyond the scope of this invention.
Claims (10)
1. a kind of payment method for routing characterized by comprising
The payment request for receiving and parsing through target user's transmission, determines payment demand and payment channel；
Judge that can the payment channel meet the payment demand；
If it is not, then selection meets the destination channel of the payment demand from backup payment channel；
Signing information is obtained using target user payment channel of having contracted, and logical in the target using the signing information
Road is contracted, and is paid after contracting successfully using the destination channel.
2. payment method for routing according to claim 1, which is characterized in that further include:
Subscription request is received and parsed through, user information and specified signing payment channel are obtained；
It is contracted in the signing payment channel using the user information, and obtains the signing information；
The subsidiary signing payment channel recognized each other with the signing payment channel agreement is selected from the backup payment channel；
It is contracted using the signing information in the incidentally signing payment channel.
3. payment method for routing according to claim 2, which is characterized in that described to select to meet from backup payment channel
The destination channel of the payment demand, comprising:
Judge in the backup payment channel with the presence or absence of payment channel of incidentally contracting；
If it is, selection meets the destination channel of the payment demand from the payment channel of incidentally contracting, and straight
It connects and is paid using the destination channel；
If it is not, then selection meets the destination channel of the payment demand from the backup payment channel.
4. payment method for routing according to any one of claims 1 to 3, which is characterized in that using the target user
Payment channel of contracting obtains signing information, comprising:
If the target user completes to contract in the payment channel, the signing letter is obtained from the payment channel
Breath.
5. payment method for routing according to claim 4, which is characterized in that contracted PayPal using the target user
Road obtains signing information, comprising:
If the target user is unsigned in the payment channel, the branch contracted from the current logon account of the target user
It pays in channel and obtains the signing information.
6. payment method for routing according to claim 4, which is characterized in that contracted PayPal using the target user
Road obtains signing information, comprising:
If the target user is unsigned in the payment channel, and the branch of the current logon account of the target user endlessly signing
Channel is paid, then judges the target user with the presence or absence of multiple accounts；
If it is, multiple accounts of target user described in traversal queries, have contracted any one from the target user
The signing information is obtained in a payment channel.
7. payment method for routing according to claim 1, which is characterized in that when the signing information can not be obtained, packet
It includes:
The prompt information of payment failure is sent to the target user.
8. a kind of payment route device characterized by comprising
Payment request parsing module determines payment demand and payment for receiving and parsing through the payment request of target user's transmission
Channel；
Judgment module, for judging that can the payment channel meet the payment demand；
Destination channel selecting module, if being unable to satisfy the payment demand for the payment channel, from backup PayPal
Selection meets the destination channel of the payment demand in road；
Contract payment module, for using the target user contracted payment channel obtain signing information, and utilize the label
About information is contracted in the destination channel, is paid after contracting successfully using the destination channel.
9. a kind of payment routing device characterized by comprising
Memory, for storing computer program；
Processor is realized when for executing the computer program paying method for routing as described in any one of claim 1 to 7
Step.
10. a kind of readable storage medium storing program for executing, which is characterized in that be stored with computer program, the meter on the readable storage medium storing program for executing
The step of method for routing is paid as described in any one of claim 1 to 7 is realized when calculation machine program is executed by processor.
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| CN111899014A (en) * | 2020-08-03 | 2020-11-06 | 北京口袋财富信息科技有限公司 | Payment channel selection method and device, readable storage medium and computing equipment |
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Application publication date: 20190920 |