CN110288343A - A kind of method of payment and device - Google Patents
A kind of method of payment and device Download PDFInfo
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- CN110288343A CN110288343A CN201910551257.9A CN201910551257A CN110288343A CN 110288343 A CN110288343 A CN 110288343A CN 201910551257 A CN201910551257 A CN 201910551257A CN 110288343 A CN110288343 A CN 110288343A
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- 238000012011 method of payment Methods 0.000 title claims abstract description 13
- 238000000034 method Methods 0.000 claims abstract description 22
- 230000007246 mechanism Effects 0.000 claims description 6
- 238000004590 computer program Methods 0.000 claims description 5
- 238000004364 calculation method Methods 0.000 claims 1
- 230000000694 effects Effects 0.000 abstract description 15
- 238000005516 engineering process Methods 0.000 abstract description 8
- 230000008901 benefit Effects 0.000 abstract description 3
- 238000012217 deletion Methods 0.000 abstract description 2
- 230000037430 deletion Effects 0.000 abstract description 2
- 238000010586 diagram Methods 0.000 description 5
- 238000012545 processing Methods 0.000 description 5
- 230000008859 change Effects 0.000 description 2
- 230000002349 favourable effect Effects 0.000 description 2
- 230000006870 function Effects 0.000 description 2
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 2
- 239000010931 gold Substances 0.000 description 2
- 229910052737 gold Inorganic materials 0.000 description 2
- 230000003068 static effect Effects 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 238000004891 communication Methods 0.000 description 1
- 230000001627 detrimental effect Effects 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 230000002708 enhancing effect Effects 0.000 description 1
- 238000009472 formulation Methods 0.000 description 1
- 239000000203 mixture Substances 0.000 description 1
- 238000007639 printing Methods 0.000 description 1
- 230000008569 process Effects 0.000 description 1
- 238000009394 selective breeding Methods 0.000 description 1
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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
- G06Q20/387—Payment using discounts or coupons
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Abstract
The present invention relates to financial technology fields, and disclose a kind of method of payment and device, method includes: to obtain the order element and order payment amount that N number of dimension is included at least in the order payment request, wherein N is more than or equal to 2 after getting the order payment request of user；Determining at least one matched preferential rule of order element with N number of dimension in preferential rule database；The actual delivery amount of money of the user is determined according at least one preferential rule and the order payment amount；The actual delivery amount of money is sent to the corresponding payment system of the order payment request, to complete the payment to the order.In entire course of payment, user only needs to trigger payment request, then the various preferential activities of trade company can be matched, finally realize the purpose of preferential payment, it can be realized the increase, update and deletion of preferential rule in benefit data library, the preferential activity of user can be quickly modified, availability is high.
Description
Technical field
The present invention relates to financial technology (Fintech) technical field more particularly to a kind of method of payment and devices.
Background technique
With the development of computer technology, more and more technical applications are in financial field, and traditional financial industry is gradually
Change to financial technology (Finteh), payment processing technology is no exception, but since the safety of financial industry, real-time are wanted
It asks, the higher requirement that also technology is proposed.In existing society, whether Xian Shang trade company and Xian Xia trade company, in order to attract use
Family is consumed, and preferential activity is often arranged.It is in modern commercial activity for enhancing brand recognition that preferential activity, which is arranged,
With customer loyalty and the marketing tool of new product is introduced in popularization.
In the prior art, in trade company's advertising campaign, user usually requires to show electronic coupons, or by putting down on line
The mode that platform gets discount coupon participates in the preferential activity of trade company, needs user to select preferential mode in payment, then carries out
Payment.But in the prior art, when having multiple different discount coupons, need to manually compute using which it is more preferential and
Mode is applied in combination in artificial selection coupon, it is clear that the intelligence degree of the application method of this artificial determining coupon is very
It is low, it is highly detrimental to people and easily selects best preferential combination.In addition, the preferential movable mode of current setting is more single
One, when preferential manner changes, it can not quickly modify preferential active policy.
Summary of the invention
In view of this, the embodiment of the present invention provides a kind of method of payment and device, solve at least of the existing technology
It is arranged that preferential movable mode is relatively simple, can not quickly modify the problem of preferential active policy.
On the one hand, the embodiment of the present invention provides a kind of method of payment, comprising:
After getting the order payment request of user, obtain in the order payment request including at least N number of dimension
Order element and order payment amount, wherein N is more than or equal to 2；
Determining at least one matched preferential rule of order element with N number of dimension in preferential rule database；
The actual delivery amount of money of the user is determined according at least one preferential rule and the order payment amount；
The actual delivery amount of money is sent to the corresponding payment system of the order payment request, to complete to order to described
Single payment.
In the embodiment of the present invention, after getting the order payment request of user, obtain in the payment request about
The order element and order payment amount of this payment, then match correspondence according to order element in preferential rule database
Preferential rule, the actual delivery amount of money is determined by the preferential rule being matched to, and the actual delivery amount of money that actually strikes a bargain.?
In entire course of payment, user only needs to trigger payment request, then can match the various preferential activities of trade company, final real
The purpose of existing preferential payment；And in embodiments of the present invention, all preferential rules are stored in benefit data library, preferential
Database has powerful data volume, can include all known preferential rules, and can be realized in benefit data library excellent
Increase, update and the deletion of favour rule, can quickly modify the preferential activity of user, and availability is high.
Optionally, described to determine that matched at least one is excellent with the order element of N number of dimension in preferential rule database
Favour rule, comprising:
If it is determined that N number of rule in the order element of N number of dimension and the preferential rule database in any preferential rule
Element matching, it is determined that the preferential rule is the matched preferential rule of order element with N number of dimension.
In embodiments of the present invention, preferential rule corresponds to multiple regular elements, these regular elements are characterized, and this is preferential
Rule passes through regular element and order likewise, can characterize this order payment request by the order element of multiple dimensions
Payment request matching, can determine the corresponding preferential rule of order payment request.
Optionally, the reality that the user is determined according at least one preferential rule and the order payment amount
Payment amount, comprising:
For each preferential rule, the corresponding weight of each preferential rule is determined；
Using the maximum preferential rule of weight as optimal preferential rule；
The reality of the user is determined according to the preferential amount of money of the optimal preferential rule and the order payment amount
Payment amount.
In the embodiment of the present invention, trade company can be matched at least one preferential rule there may be a variety of preferential modes,
So intelligence determines optimal preferential mode by each rule corresponding weight.
Optionally, described to be directed to each preferential rule, determine the corresponding weight of each preferential rule, comprising:
For each preferential rule, the corresponding weight of N number of rule element in each preferential rule is determined；
The corresponding weight of each preferential rule is determined according to the corresponding weight of N number of rule element.
In the embodiment of the present invention, by the corresponding weight of each rule element, the weight of each preferential rule can be determined,
The weight of regular element can be adjusted flexibly, to realize the adjustment of preferential rule.
The method also includes:
Newly-increased preferential rule request is received, each newly-increased regular element in the newly-increased preferential rule request is obtained；
Increase the identification information of the preferential rule in the preferential rule database, and by the identification information and respectively
A newly-increased regular element is associated.
In embodiments of the present invention, preferential rule can be increased newly, can flexibly adapt to the preferential policy of all trade companies.
On the one hand, the embodiment of the present invention provides a kind of payment mechanism, comprising:
Acquiring unit, for after getting the order payment request of user, obtaining in the order payment request at least
Order element and order payment amount including N number of dimension, wherein N is more than or equal to 2；
Matching unit, in preferential rule database it is determining with the order element of N number of dimension it is matched at least one
Preferential rule；
Preferential determination unit, for determining the user according at least one preferential rule and the order payment amount
The actual delivery amount of money；
Payment unit, for the actual delivery amount of money to be sent to the corresponding payment system of the order payment request,
To complete the payment to the order.
Optionally, the matching unit is specifically used for:
If it is determined that N number of rule in the order element of N number of dimension and the preferential rule database in any preferential rule
Element matching, it is determined that the preferential rule is the matched preferential rule of order element with N number of dimension.
Optionally, the preferential determination unit is specifically used for:
For each preferential rule, the corresponding weight of each preferential rule is determined；
Using the maximum preferential rule of weight as optimal preferential rule；
The reality of the user is determined according to the preferential amount of money of the optimal preferential rule and the order payment amount
Payment amount.
Optionally, the preferential determination unit is specifically used for:
For each preferential rule, the corresponding weight of N number of rule element in each preferential rule is determined；
The corresponding weight of each preferential rule is determined according to the corresponding weight of N number of rule element.
Optionally, the preferential determination unit is specifically used for:
For each preferential rule, the corresponding weight of N number of rule element in each preferential rule is determined；
The corresponding weight of each preferential rule is determined according to the corresponding weight of N number of rule element.
On the one hand, the embodiment of the present invention provides a kind of computer equipment, including memory, processor and is stored in memory
Computer program that is upper and can running on a processor, the processor execute the method for payment that the computer program is realized
Step.
On the one hand, the embodiment of the invention provides a kind of computer readable storage medium, being stored with can be set by computer
The standby computer program executed, when described program is run on a computing device, so that the computer equipment executes payment
The step of method.
Detailed description of the invention
Fig. 1 is a kind of flow diagram of method of payment provided in an embodiment of the present invention；
Fig. 2 is a kind of flow diagram of method of payment provided in an embodiment of the present invention；
Fig. 3 is a kind of structural schematic diagram of payment mechanism provided in an embodiment of the present invention；
Fig. 4 is a kind of structural schematic diagram of computer equipment provided in an embodiment of the present invention.
Specific embodiment
In order to which the purpose, technical solution and beneficial effect of the application is more clearly understood, below in conjunction with attached drawing and implementation
Example, is further elaborated the application.It should be appreciated that specific embodiment described herein is only used to explain this Shen
Please, it is not used to limit the application.
Based on problems of the prior art, the embodiment of the present invention provides a kind of method of payment, it is specific as shown in Figure 1,
The following steps are included:
Step S101 is obtained after getting the order payment request of user and is included at least N in the order payment request
The order element and order payment amount of a dimension, wherein N is more than or equal to 2.
Specifically, in embodiments of the present invention, when user is after a certain trade company consumes, need to carry out order payment,
Then generate order payment request.Optionally, in embodiments of the present invention, trade company can be Xian Shang trade company and be also possible to quotient under line
Family, illustratively, if trade company is Xian Xia trade company, order payment request can be user and illustrate member card at trade company, then
Trade company's platform has determined the order request of the user according to the purchase amount of money of user；If trade company is Xian Xia trade company, order payment is asked
Seeking Truth is determined in user when shopping website is settled accounts.
In embodiments of the present invention, order payment amount is included at least in order payment request, which is
It does not include the amount of money of preferential amount of money part.It certainly, further include the N number of dimension that can characterize order payment request in order payment request
The order element of degree can completely indicate each letter in the order payment request by the order element of different dimensions
Breath.
For example, in embodiments of the present invention, the order element in order payment request includes at least: trade company, trade company door
Shop, trade company's channel, user gradation, time range etc. in embodiments of the present invention, can also increase ordering for other dimensions certainly
Single element can also delete the above order element, can be modified according to the preferential movable demand of trade company.
Illustratively, in embodiments of the present invention, trade company indicate be the trade company title or name of firm it is unique
Identifier, such as trade company are that " fertile X Ma " or code name " 0010 ", trade company can indicate a series of chain trade companies；The shops of trade company
Refer to a series of one in chain trade companies, which is not limited to Xian Shang shops or Xian Xia shops, illustratively, trade company
Shops can be entity store, X XX man, or the discount store Xian Shang；Trade company's channel refers to that customer consumption is direct
It is consumed in trade company, or is consumed by third party, such as be connected to merchant store fronts etc. from third party's entrance；User etc.
Grade refers to the user in the consumption grade of the trade company, such as user is that perhaps non-trade company member or user are trade company member
Trade company regular member is high-grade member etc.；Time range can be formulated different excellent for the customer consumption of different time
Favour activity, such as the preferential movable preferential activity great efforts etc. than the week of Saturday and weekend.
Step S102 determines that matched at least one is preferential with the order element of N number of dimension in preferential rule database
Rule.
Specifically, in embodiments of the present invention, a large amount of preferential rule is saved in preferential rule database, these are preferential
Rule is determined according to the preferential activity of multiple trade companies, excellent with this for each preferential rule in preferential rule database
Favour rule corresponding multiple regular elements guarantee the rule, such as shown in table 1, in table 1, the corresponding rule of preferential rule 1
Then element is trade company 001, the shops 0001 of trade company, trade company channel A, user gradation 1, and time range is on December 25th, 2018-
On January 1st, 2019 etc., the corresponding regular element of preferential rule 2 are trade company 001, the shops 0002 of trade company, trade company channel B, use
Family grade 1, time range are on January 3, -2019 years on the 1st January in 2019 etc., and the corresponding regular element of preferential rule 3 is trade company
002, the shops 0002 of trade company, trade company channel A, user gradation 0, time range are on January 1st, 2019 etc..
Table 1
When the N number of regular element matching corresponding with any one preferential rule of the order element of N number of dimension, it is determined that this is ordered
Single payment request corresponds to the preferential rule, certainly, in embodiments of the present invention, corresponding at least M regular element of preferential rule, M
More than or equal to N, that is to say, that matched simply by the presence of N number of regular element with N number of order element, it is determined that the preferential rule is
The preferential rule matched.
In embodiments of the present invention, if the order element of N number of dimension N number of regular element corresponding with multiple preferential rules
Timing, then it is assumed that multiple preferential rules are all the corresponding preferential rules of order payment request, i.e. the user meets multiple businessmans
The rule of formulation also meets for example, the commodity of user purchase and the amount of money of purchase meet the preferential activity of trade company of 199-100
The preferential activity etc. of 7 folding of two pieces.
Step S103 determines the practical branch of the user according at least one preferential rule and the order payment amount
Pay the amount of money.
In embodiments of the present invention, it after matched preferential rule has been determined, determines that user is practical according to preferential rule and props up
The amount of money paid, in inventive embodiments, however, it is determined that only exist a preferential rule, then according to preferential rule, determine preferential gold
Then volume determines the use according at least one preferential rule and the order payment amount according in order payment request
The actual delivery amount of money at family subtracts the actual delivery amount of money that the preferential amount of money is user.For example, in embodiments of the present invention, matching
Preferential rule be 003, for the preferential rule be described as full 100 subtract 50；If order payment amount is 120, practical to pay
The money amount of money is 70 yuan.
When determining there are when at least two preferential rules, in the actual delivery amount of money for determining user, it is thus necessary to determine which
The preferential dynamics of preferential rule is maximum, i.e., preferential amount of money highest, so can be directed to each preferential rule in inventive embodiments
Then, it determines the corresponding weight of each preferential rule, optimal preferential rule is determined according to the corresponding weight of each preferential rule, according to
Optimal preferential rule and order payment amount determine the actual delivery amount of money of user.
That is, in embodiments of the present invention, matched preferential rule is A, B, C and D if it exists, by determine A,
B, the weight of C and D determines most favorable preferential rule, then determines the actual delivery amount of money.
In embodiments of the present invention, the method for determining the weight of preferential rule A, B, C and D have it is multiple, for example, for every
A preferential rule determines the corresponding weight of N number of rule element in each preferential rule, according to the corresponding weight of N number of regular element
Determine the corresponding weight of each preferential rule.That is N number of regular element in preferential rule A respectively has weight, equally
, N number of regular element in preferential rule B respectively has weight, and N number of regular element in preferential rule C respectively has weight,
Then respective weight can be added to the weight for determining each preferential rule, then determined according to the value of weight most favorable excellent
Favour rule.
Optionally, in embodiments of the present invention, include the absolute value of the preferential amount of money in preferential rule, coupon type, have
The rule element such as effect phase, wherein the preferential amount of money is bigger, the power of this regular element of the absolute value of the preferential amount of money in the preferential rule
It is again bigger；In coupon type, the weight of movable certificate is greater than the weight of coupons and is greater than the type of coupons；In preferential rule
When middle coupon type is all this regular element of coupons, the big weight of discount absolute value is big, likewise, in preferential rule
When coupon type is all this regular element of coupons, for denomination closer to order payment amount, weight is bigger；In each preferential rule
In then, validity period rule element refers to the actual effect time of discount coupon, it is believed that the faster failure of discount coupon, weight are bigger.
The actual delivery amount of money is sent to the corresponding payment system of the order payment request, with complete by step S104
The payment of the pairs of order.
In the embodiment of the present invention, after determining the actual delivery amount of money, the transaction of the actual delivery amount of money is carried out, is being got
After transaction results, user can be showed, order payment need to be initiated so as to make user only, so that it may complete a variety of preferential work
Dynamic selection, and calculate the optimal preferential rear process paid.
Optionally, in embodiments of the present invention, newly-increased preferential rule request can also be received, is asked according to newly-increased preferential rule
Each newly-increased regular element in asking, increases the preferential rule, and the preferential rule that will be newly increased in preferential rule database
Identification information be associated with each newly-increased regular element.
The specific property of can be exemplified is construed to, after getting the request of newly-increased preferential rule, the mark of the preferential rule newly increased
Knowing is 100, which is trade company 003, the shops 0001 of trade company, trade company channel B, user gradation 0, and time range is
- 2019 years on the 1st December in 2019, on December 3, then increased the preferential rule in table 1, as shown in table 2:
Table 2
In order to preferably explain the embodiment of the present application, the embodiment of the present application is described below with reference to specific implement scene and is provided
A kind of method of payment, the method for payment be applied to payment mechanism in, payment mechanism be arranged in trade company side, with user in entity quotient
002nd shops at family 001 is illustrated for being consumed, specific as shown in Figure 2:
Step S201, user consume in trade company；
Step S202, trade company initiate the order payment request of user after the member card to user is scanned, and order is asked
The consumption for asking middle user is 120 RMB；
Step S203 determines that the consumption trade company of user is 001 according to order payment request, shops 002, consumer channel
For store, consumption time is X month XX day in 2019；
Step S204, determining and matched three preferential rules of order payment request, and determine the gold of three preferential rules
Volume is respectively preferential 14, preferential 15 and preferential 25；
Step S205 determines that the preferential rule that the preferential amount of money is 25 is optimal rules；
Step S206 sends 95 yuan of payment amount requests to payment system, and receives payment system and confirm the notice withholdd；
User's payment information is showed user by way of printing receipt by step S207.
Based on the same technical idea, the embodiment of the present application provides a kind of payment mechanism, as shown in figure 3, the device 300
Include:
Acquiring unit 301, for after getting the order payment request of user, obtaining in the order payment request extremely
It less include the order element and order payment amount of N number of dimension, wherein N is more than or equal to 2；
Matching unit 302, for the order element matched at least one with N number of dimension determining in preferential rule database
A preferential rule；
Preferential determination unit 303, for according at least one preferential rule and order payment amount determination
The actual delivery amount of money of user；
Payment unit 304, for the actual delivery amount of money to be sent to the corresponding payment system of the order payment request
System, to complete the payment to the order.
Further, the matching unit 302 is specifically used for:
If it is determined that N number of rule in the order element of N number of dimension and the preferential rule database in any preferential rule
Element matching, it is determined that the preferential rule is the matched preferential rule of order element with N number of dimension.
Further, the preferential determination unit 303 is specifically used for:
For each preferential rule, the corresponding weight of each preferential rule is determined；
Using the maximum preferential rule of weight as optimal preferential rule；
The reality of the user is determined according to the preferential amount of money of the optimal preferential rule and the order payment amount
Payment amount.
Further, the preferential determination unit 303 is specifically used for:
For each preferential rule, the corresponding weight of N number of rule element in each preferential rule is determined；
The corresponding weight of each preferential rule is determined according to the corresponding weight of N number of rule element.
Further, described device further includes updating unit 305, and the updating unit 305 is specifically used for:
Newly-increased preferential rule request is received, each newly-increased regular element in the newly-increased preferential rule request is obtained；
Increase the identification information of the preferential rule in the preferential rule database, and by the identification information and respectively
A newly-increased regular element is associated.
Based on the same technical idea, the embodiment of the present application provides a kind of computer equipment, as shown in figure 4, including extremely
Lack a processor 401, and the memory 402 connecting at least one processor, does not limit processing in the embodiment of the present application
Specific connection medium between device 401 and memory 402 passes through bus between processor 401 and memory 402 in Fig. 4 and connects
For.Bus can be divided into address bus, data/address bus, control bus etc..
In the embodiment of the present application, memory 402 is stored with the instruction that can be executed by least one processor 401, at least
The instruction that one processor 401 is stored by executing memory 402, can execute step included in method of payment above-mentioned
Suddenly.
Wherein, processor 401 is the control centre of computer equipment, can use various interfaces and connection terminal is set
Standby various pieces are stored in memory 402 by running or executing the instruction being stored in memory 402 and calling
Data, to obtain client address.Optionally, processor 401 may include one or more processing units, and processor 401 can
Integrated application processor and modem processor, wherein the main processing operation system of application processor, user interface and application
Program etc., modem processor mainly handle wireless communication.It is understood that above-mentioned modem processor can not also
It is integrated into processor 401.In some embodiments, processor 401 and memory 402 can be realized on the same chip,
In some embodiments, they can also be realized respectively on independent chip.
Processor 401 can be general processor, such as central processing unit (CPU), digital signal processor, dedicated integrated
Circuit (Application Specific Integrated Circuit, ASIC), field programmable gate array or other can
Perhaps transistor logic, discrete hardware components may be implemented or execute the application implementation for programmed logic device, discrete gate
Each method, step and logic diagram disclosed in example.General processor can be microprocessor or any conventional processor
Deng.The step of method in conjunction with disclosed in the embodiment of the present application, can be embodied directly in hardware processor and execute completion, Huo Zheyong
Hardware and software module combination in processor execute completion.
Memory 402 is used as a kind of non-volatile computer readable storage medium storing program for executing, can be used for storing non-volatile software journey
Sequence, non-volatile computer executable program and module.Memory 402 may include the storage medium of at least one type,
It such as may include flash memory, hard disk, multimedia card, card-type memory, random access storage device (Random Access
Memory, RAM), static random-access memory (Static Random Access Memory, SRAM), may be programmed read-only deposit
Reservoir (Programmable Read Only Memory, PROM), read-only memory (Read Only Memory, ROM), band
Electrically erasable programmable read-only memory (Electrically Erasable Programmable Read-Only Memory,
EEPROM), magnetic storage, disk, CD etc..Memory 402 can be used for carrying or storing have instruction or data
The desired program code of structure type and can by any other medium of computer access, but not limited to this.The application is real
Applying the memory 402 in example can also be circuit or other devices that arbitrarily can be realized store function, for storing program
Instruction and/or data.
Based on the same technical idea, the embodiment of the present application provides a kind of computer readable storage medium, is stored with
The computer program that can be executed by computer equipment, when described program is run on a computing device, so that the computer
Equipment executes the step of method of payment.
Those of ordinary skill in the art will appreciate that: realize that all or part of the steps of above method embodiment can pass through
The relevant hardware of program instruction is completed, and program above-mentioned can be stored in a computer readable storage medium, the program
When being executed, step including the steps of the foregoing method embodiments is executed；And storage medium above-mentioned include: movable storage device, it is read-only
Memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic disk or
The various media that can store program code such as person's CD.
If alternatively, the above-mentioned integrated unit of the application is realized in the form of software function module and as independent product
When selling or using, it also can store in a computer readable storage medium.Based on this understanding, the application is implemented
Substantially the part that contributes to existing technology can be embodied in the form of software products the technical solution of example in other words,
The computer software product is stored in a storage medium, including some instructions are used so that computer equipment (can be with
Personal computer, server or network equipment etc.) execute each embodiment the method for the application all or part.
And storage medium above-mentioned includes: that movable storage device, ROM, RAM, magnetic or disk etc. are various can store program code
Medium.
The above, the only specific embodiment of the application, but the protection scope of the application is not limited thereto, it is any
Those familiar with the art within the technical scope of the present application, can easily think of the change or the replacement, and should all contain
Lid is within the scope of protection of this application.Therefore, the protection scope of the application should be based on the protection scope of the described claims.
Claims (12)
1. a kind of method of payment, which is characterized in that the described method includes:
After getting the order payment request of user, the order that N number of dimension is included at least in the order payment request is obtained
Element and order payment amount, wherein N is more than or equal to 2；
Determining at least one matched preferential rule of order element with N number of dimension in preferential rule database；
The actual delivery amount of money of the user is determined according at least one preferential rule and the order payment amount；
The actual delivery amount of money is sent to the corresponding payment system of the order payment request, to complete to the order
Payment.
2. the method according to claim 1, wherein determining and N number of dimension in preferential rule database
At least one matched preferential rule of order element, comprising:
If it is determined that N number of regular element in the order element of N number of dimension and the preferential rule database in any preferential rule
Matching, it is determined that the preferential rule is the matched preferential rule of order element with N number of dimension.
3. according to the method described in claim 2, it is characterized in that, described according at least one preferential rule and the order
Payment amount determines the actual delivery amount of money of the user, comprising:
For each preferential rule, the corresponding weight of each preferential rule is determined；
Using the maximum preferential rule of weight as optimal preferential rule；
The actual delivery of the user is determined according to the preferential amount of money of the optimal preferential rule and the order payment amount
The amount of money.
4. according to the method described in claim 3, it is characterized in that, it is described be directed to each preferential rule, determine each preferential rule
Then corresponding weight, comprising:
For each preferential rule, the corresponding weight of N number of rule element in each preferential rule is determined；
The corresponding weight of each preferential rule is determined according to the corresponding weight of N number of rule element.
5. the method according to claim 1, wherein the method also includes:
Newly-increased preferential rule request is received, each newly-increased regular element in the newly-increased preferential rule request is obtained；
Increase the identification information of the preferential rule in the preferential rule database, and by the identification information and each new
Increase regular element to be associated.
6. a kind of payment mechanism, which is characterized in that described device includes:
Acquiring unit includes at least N for obtaining after getting the order payment request of user in the order payment request
The order element and order payment amount of a dimension, wherein N is more than or equal to 2；
Matching unit, for determining that matched at least one is preferential with the order element of N number of dimension in preferential rule database
Rule；
Preferential determination unit, for determining the reality of the user according at least one preferential rule and the order payment amount
Border payment amount；
Payment unit, for the actual delivery amount of money to be sent to the corresponding payment system of the order payment request, with complete
The payment of the pairs of order.
7. device according to claim 6, which is characterized in that the matching unit is specifically used for:
If it is determined that N number of regular element in the order element of N number of dimension and the preferential rule database in any preferential rule
Matching, it is determined that the preferential rule is the matched preferential rule of order element with N number of dimension.
8. device according to claim 7, which is characterized in that the preferential determination unit is specifically used for:
For each preferential rule, the corresponding weight of each preferential rule is determined；
Using the maximum preferential rule of weight as optimal preferential rule；
The actual delivery of the user is determined according to the preferential amount of money of the optimal preferential rule and the order payment amount
The amount of money.
9. device according to claim 7, which is characterized in that the preferential determination unit is specifically used for:
For each preferential rule, the corresponding weight of N number of rule element in each preferential rule is determined；
The corresponding weight of each preferential rule is determined according to the corresponding weight of N number of rule element.
10. device according to claim 6, which is characterized in that described device further includes updating unit, the updating unit
It is specifically used for:
Newly-increased preferential rule request is received, each newly-increased regular element in the newly-increased preferential rule request is obtained；
Increase the identification information of the preferential rule in the preferential rule database, and by the identification information and each new
Increase regular element to be associated.
11. a kind of computer equipment including memory, processor and stores the meter that can be run on a memory and on a processor
Calculation machine program, which is characterized in that the processor is realized described in any one of claim 1 to 5 when executing the computer program
The step of method.
12. a kind of computer readable storage medium, which is characterized in that it is stored with the computer journey that can be executed by computer equipment
Sequence, when described program is run on a computing device, so that computer is executed as described in any one of claims 1 to 5
Method.
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| CN201910551257.9A CN110288343A (en) | 2019-06-24 | 2019-06-24 | A kind of method of payment and device |
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| CN201910551257.9A CN110288343A (en) | 2019-06-24 | 2019-06-24 | A kind of method of payment and device |
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| CN111400313A (en) * | 2020-02-27 | 2020-07-10 | 中国建设银行股份有限公司 | Method and device for processing request |
| CN112102071A (en) * | 2020-09-24 | 2020-12-18 | 中国建设银行股份有限公司 | Client rights and interests matching method and device |
| CN112288419A (en) * | 2020-10-30 | 2021-01-29 | 中国工商银行股份有限公司 | Protocol determination method, device and system and electronic equipment |
| CN112488770A (en) * | 2020-12-16 | 2021-03-12 | 广州华多网络科技有限公司 | Transaction pricing control method and device, equipment and medium thereof |
| CN112750017A (en) * | 2021-01-26 | 2021-05-04 | 拉扎斯网络科技（上海）有限公司 | Information recommendation method and device and electronic equipment |
| CN113298571A (en) * | 2021-06-16 | 2021-08-24 | 北京有竹居网络技术有限公司 | Preferential information processing method and device, electronic equipment and storage medium |
| CN113409089A (en) * | 2021-06-29 | 2021-09-17 | 中国工商银行股份有限公司 | Point combination preferential transaction method and device |
| CN113657973A (en) * | 2021-08-31 | 2021-11-16 | 北京沃东天骏信息技术有限公司 | Order processing method and device |
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| CN111400313A (en) * | 2020-02-27 | 2020-07-10 | 中国建设银行股份有限公司 | Method and device for processing request |
| CN112102071A (en) * | 2020-09-24 | 2020-12-18 | 中国建设银行股份有限公司 | Client rights and interests matching method and device |
| CN112288419A (en) * | 2020-10-30 | 2021-01-29 | 中国工商银行股份有限公司 | Protocol determination method, device and system and electronic equipment |
| CN112288419B (en) * | 2020-10-30 | 2024-02-27 | 中国工商银行股份有限公司 | Protocol determination method, device, system and electronic equipment |
| CN112488770A (en) * | 2020-12-16 | 2021-03-12 | 广州华多网络科技有限公司 | Transaction pricing control method and device, equipment and medium thereof |
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| CN113298571A (en) * | 2021-06-16 | 2021-08-24 | 北京有竹居网络技术有限公司 | Preferential information processing method and device, electronic equipment and storage medium |
| CN113409089A (en) * | 2021-06-29 | 2021-09-17 | 中国工商银行股份有限公司 | Point combination preferential transaction method and device |
| CN113657973A (en) * | 2021-08-31 | 2021-11-16 | 北京沃东天骏信息技术有限公司 | Order processing method and device |
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