CN110796440A - Payment method, device and system, payment service architecture, electronic equipment and medium - Google Patents

Payment method, device and system, payment service architecture, electronic equipment and medium Download PDF

Info

Publication number
CN110796440A
CN110796440A CN201911038871.1A CN201911038871A CN110796440A CN 110796440 A CN110796440 A CN 110796440A CN 201911038871 A CN201911038871 A CN 201911038871A CN 110796440 A CN110796440 A CN 110796440A
Authority
CN
China
Prior art keywords
payment
user
scheme
payment scheme
optional
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201911038871.1A
Other languages
Chinese (zh)
Inventor
王欢
李娜
李曼
彭亮
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Industrial and Commercial Bank of China Ltd ICBC
Original Assignee
Industrial and Commercial Bank of China Ltd ICBC
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Industrial and Commercial Bank of China Ltd ICBC filed Critical Industrial and Commercial Bank of China Ltd ICBC
Priority to CN201911038871.1A priority Critical patent/CN110796440A/en
Publication of CN110796440A publication Critical patent/CN110796440A/en
Pending legal-status Critical Current

Links

Images

Classifications

    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • G06Q20/403—Solvency checks

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present disclosure provides a payment method, device and system, payment service architecture, electronic device and medium, the payment method comprising: receiving order information from a client, wherein the order information comprises a user identifier; determining at least one alternative payment scheme corresponding to the user identification in response to the order information; sending the at least one optional payment scheme to the client so that the client can display the at least one optional payment scheme; receiving a user operation instruction, wherein the user operation instruction is used for determining at least one payment scheme from at least one selectable payment scheme at a client; and responding to the user operation instruction, and performing payment operation aiming at the account corresponding to the at least one payment scheme.

Description

Payment method, device and system, payment service architecture, electronic equipment and medium
Technical Field
The present disclosure relates to the field of internet technologies, and in particular, to a payment method, an apparatus and a system, a payment service architecture, an electronic device, and a medium.
Background
With the continuous development of digital banks, the position of the online payment function in the work and life of users becomes more and more important.
In carrying out the presently disclosed concept, the inventors have found that there are at least the following problems in the related art. At present, a commercial bank payment scene cannot support combined payment of orders, and also cannot realize payment of one order through multiple times and/or multiple payment modes.
Disclosure of Invention
In view of this, the present disclosure provides a payment method, device, and system, a payment service architecture, an electronic device, and a medium for improving user payment convenience.
One aspect of the present disclosure provides a payment method, including: receiving order information from a client, wherein the order information comprises a user identifier; determining at least one alternative payment scheme corresponding to the user identification in response to the order information; sending the at least one optional payment scheme to the client so that the client can display the at least one optional payment scheme; receiving a user operation instruction, wherein the user operation instruction is used for determining at least one payment scheme from at least one selectable payment scheme at a client; and responding to the user operation instruction, and performing payment operation aiming at the account corresponding to the at least one payment scheme.
According to the payment method provided by the embodiment of the disclosure, the optional payment scheme corresponding to the user identifier is determined based on the user identifier, so that the user can select the payment scheme which the user wants to adopt from the optional payment schemes, wherein the user can select multiple payment schemes from the optional payment schemes to pay one order together, also can pack multiple orders and then pay by adopting one payment scheme, and also can pack multiple orders and then pay by adopting multiple payment schemes, and therefore the payment convenience of the user is effectively improved.
According to an embodiment of the present disclosure, the method further includes: before determining at least one optional payment scheme corresponding to the user identification, storing a first mapping relation between the user identification and the optional payment scheme. Accordingly, determining at least one alternative payment scheme corresponding to the user identification includes: and if the account corresponding to the user identification is a public account, determining at least one optional payment scheme corresponding to the user identification based on the first mapping relation. Accordingly, sending the at least one alternative payment scheme to the client for the client to present the at least one alternative payment scheme comprises: and sending the at least one optional payment scheme and the amount input prompt message of the payment scheme to the client so that the client can display the at least one optional payment scheme and the amount input prompt message.
According to an embodiment of the present disclosure, the selectable payment scheme includes a limit for the selectable payment method. Correspondingly, the method further comprises the following steps: after receiving a user operation instruction, determining whether the amount input by the optional payment method for which the user operation instruction is directed exceeds the limit of the optional payment method; and if the limit of the optional payment mode is determined to be exceeded, sending excess prompt information to the client.
According to an embodiment of the present disclosure, storing a first mapping between a user identification and an alternative payment scheme comprises: acquiring a user payment protocol corresponding to the user identification based on the user identification; determining a first mapping relationship between the user identification and the selectable payment scheme based on the user payment protocol; and storing a first mapping between the user identification and the alternative payment scheme.
According to an embodiment of the present disclosure, the method further includes: and acquiring historical payment mode information of the user identification before determining at least one optional payment scheme corresponding to the user identification. Accordingly, determining at least one alternative payment scheme corresponding to the user identification includes: and determining at least one optional payment scheme corresponding to the user identification based on the historical payment mode information of the user identification.
According to the embodiment of the disclosure, when the account corresponding to the user identifier is a private account, determining at least one optional payment scheme corresponding to the user identifier includes: determining at least one optional payment scheme corresponding to the user identifier based on the user identifier association information, wherein the user identifier association information includes at least one of: the payment method comprises the steps of a historical payment method corresponding to the user identification, a payment method of a user group to which the user identification belongs, and balance information of an account corresponding to the user identification.
According to an embodiment of the present disclosure, the method further includes: after determining at least one optional payment scheme corresponding to the user identification, balance information of the at least one optional payment scheme corresponding to the user identification is acquired. Accordingly, sending the at least one alternative payment scheme to the client for the client to present the at least one alternative payment scheme comprises: and sending the at least one optional payment scheme and the corresponding balance information to the client so that the client can display the balance information of the at least one optional payment scheme and the corresponding balance information.
One aspect of the present disclosure provides a payment method, including: sending order information to a server side, wherein the order information comprises a user identifier; receiving at least one optional payment scheme from the server side, wherein the at least one optional payment scheme is determined by the server side based on the user identification; displaying at least one alternative payment scheme; receiving a user operation instruction, wherein the user operation instruction is specific to at least one optional payment scheme so as to determine at least one payment scheme from the at least one optional payment scheme; and responding to the user operation instruction, and sending the user operation instruction to the server side so that the server side carries out payment operation on the account corresponding to the at least one payment scheme.
According to the payment method provided by the embodiment of the disclosure, the client displays at least one selectable payment scheme for the user, so that the user can select one or more required payment schemes from the plurality of payment schemes for payment, and the payment convenience is improved.
According to an embodiment of the present disclosure, the method further includes: after the user operation instruction is sent to the server side, payment feedback information is received; and displaying the payment feedback information.
One aspect of the present disclosure provides a payment service architecture, comprising: a product business object comprising a product mockup, the product mockup comprising monetary information; the order business object comprises an order entity model, and the order entity model comprises a user identifier; the payment scheme business object comprises a payment scheme and order relation entity model, a payment scheme entity model and a payment scheme and product agreement relation entity model, wherein the payment scheme entity model is determined based on the payment scheme and order relation entity model and the payment scheme and product agreement relation entity model; the product agreement service object comprises a plurality of product agreements, and the product agreements are agreements signed by the users corresponding to the user identifications; the account business object comprises account information, and one account information corresponds to one user identifier; and an executing evidence business object comprising an executing evidence solid model for storing payment related information of the payment settlement order.
One aspect of the present disclosure provides a payment apparatus, including: the system comprises an order information receiving module, an optional scheme determining module, an optional scheme sending module, a first operation instruction receiving module and a payment module. The order information receiving module is used for receiving order information from a client, and the order information comprises a user identifier; the alternative scheme determining module is used for responding to the order information and determining at least one alternative payment scheme corresponding to the user identification; the alternative scheme sending module is used for sending the at least one alternative payment scheme to the client so that the client can display the at least one alternative payment scheme; the operation instruction receiving module is used for receiving a user operation instruction, and the user operation instruction is used for determining at least one payment scheme from at least one optional payment scheme at the client; and the payment module is used for responding to the user operation instruction and carrying out payment operation aiming at the account corresponding to the at least one payment scheme.
According to an embodiment of the present disclosure, the apparatus further includes: a storage module for storing a first mapping between a user identification and an alternative payment scheme; correspondingly, the alternative scheme determining module is specifically configured to determine, based on the first mapping relationship, at least one alternative payment scheme corresponding to the user identifier if the account corresponding to the user identifier is a public account; correspondingly, the optional solution sending module is specifically configured to send the limit input prompt message of the at least one optional payment solution and payment solution to the client, so that the client displays the limit input prompt message of the at least one optional payment solution and payment solution.
According to an embodiment of the present disclosure, the apparatus further includes: the historical information acquisition module is used for acquiring historical payment mode information of the user identification; correspondingly, the alternative scheme determining module is specifically configured to determine at least one alternative payment scheme corresponding to the user identifier based on the historical payment method information of the user identifier.
According to an embodiment of the present disclosure, the alternative scheme determining module is specifically configured to determine at least one alternative payment scheme corresponding to the user identifier based on the user identifier association information, where the user identifier association information includes at least one of: the payment method comprises the steps of a historical payment method corresponding to the user identification, a payment method of a user group to which the user identification belongs, and balance information of an account corresponding to the user identification.
One aspect of the present disclosure provides a payment apparatus, including: the system comprises an order information sending module, an optional scheme receiving module, an optional scheme displaying module, a second operation instruction receiving module and an operation instruction sending module. The order information sending module is used for sending order information to the server side, and the order information comprises a user identifier; the alternative receiving module is used for receiving at least one optional payment scheme from the server side, and the at least one optional payment scheme is determined by the server side based on the user identification; the alternative scheme display module is used for displaying at least one alternative payment scheme; the second operation instruction receiving module is used for receiving a user operation instruction, and the user operation instruction is specific to the at least one optional payment scheme so as to determine the at least one payment scheme from the at least one optional payment scheme; and the operation instruction sending module is used for responding to the user operation instruction and sending the user operation instruction to the server so that the server carries out payment operation on the account corresponding to the at least one payment scheme.
Another aspect of the present disclosure provides a payment system, including: the payment system comprises an order submitting device, an order management system, a payment scheme management system, a payment product agreement system and an account management system. The order submitting device is used for submitting order information, and the order information comprises a user identifier; the order management system is used for storing order information corresponding to the user identification; the payment scheme management system is used for managing a payment scheme of order information submitted by the user identifier; the payment product agreement system is used for managing a payment agreement signed by a user, and the payment agreement is used for appointing payment modes used by the user identification in different scenes; and an account management system for processing the user account for payment operations.
Another aspect of the present disclosure provides an electronic device comprising one or more processors and a storage for storing executable instructions that, when executed by the processors, implement the method as described above.
Another aspect of the present disclosure provides a computer-readable storage medium storing computer-executable instructions for implementing the method as described above when executed.
Another aspect of the disclosure provides a computer program comprising computer executable instructions for implementing the method as described above when executed.
Drawings
The above and other objects, features and advantages of the present disclosure will become more apparent from the following description of embodiments of the present disclosure with reference to the accompanying drawings, in which:
fig. 1 schematically shows an application scenario of a payment method, a payment apparatus and an electronic device according to an embodiment of the present disclosure;
FIG. 2 schematically illustrates an exemplary system architecture to which a payment method, payment apparatus, may be applied, according to an embodiment of the disclosure;
FIG. 3 schematically shows a flow chart of a payment method according to an embodiment of the present disclosure;
FIG. 4 schematically illustrates a schematic diagram of a payment interface, according to an embodiment of the present disclosure;
FIG. 5 schematically illustrates a flow chart of a payment method according to another embodiment of the disclosure;
FIG. 6 schematically shows a schematic diagram of a payment transaction architecture according to an embodiment of the present disclosure;
FIG. 7 schematically illustrates a flow chart of a payment method according to another embodiment of the present disclosure;
FIG. 8 schematically illustrates a block diagram of a payment device according to an embodiment of the disclosure;
fig. 9 schematically illustrates a block diagram of a payment device according to another embodiment of the present disclosure;
FIG. 10 schematically illustrates a block diagram of a payment system according to an embodiment of the disclosure; and
FIG. 11 schematically shows a block diagram of an electronic device according to an embodiment of the disclosure.
Detailed Description
Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.
The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.
All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.
Where a convention analogous to "at least one of A, B and C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.). Where a convention analogous to "A, B or at least one of C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B or C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.). The terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more features.
The embodiment of the disclosure provides a payment method, a payment device, a payment system, a payment service architecture, electronic equipment and a medium. The payment method includes a payment scheme determination process and a payment process. In the payment scheme determining process, in response to order information from the client, at least one optional payment scheme corresponding to the user identification in the order information is determined, and then the at least one optional payment scheme is sent to the client, so that the client displays the at least one optional payment scheme, and thus the at least one payment scheme can be determined from the at least one optional payment scheme according to a user operation instruction. After the payment scheme determination process is completed, payment operations are performed for accounts corresponding to at least one payment scheme.
Fig. 1 schematically shows an application scenario of a payment method, a payment apparatus and an electronic device according to an embodiment of the present disclosure.
As shown in fig. 1, when a user performs a payment operation, only one payment method can be selected in the related art for payment. When a user uses a mobile phone to perform online payment on a computer in fig. 1, the price of the computer is 12000 yuan, but the available balance in a bank card 1 is 8000 yuan, the available balance in a WeChat is 4000 yuan, and the available balance in a Payment treasure is 10000 yuan.
The payment method, the payment device and the payment system, the payment service architecture, the electronic device and the medium, which are provided by the embodiment of the disclosure, decouple and manage the order and the payment information, and specifically, adjust the one-to-one mapping relationship between the payment order and the payment scheme in the related technology into the many-to-many mapping relationship between the payment order and the payment scheme. Specifically, a relationship entity is added in an entity model of a business architecture, for example, an entity model of "relationship between a payment order and a payment scheme" is added, wherein a "many-to-many mapping relationship" is used between the payment order and the payment scheme, so that decoupling of the payment order and the payment scheme is realized, and the demand of a user for diversification of payment forms is met.
Fig. 2 schematically illustrates an exemplary system architecture to which a payment method, payment apparatus, may be applied, according to an embodiment of the present disclosure. It should be noted that fig. 2 is only an example of a system architecture to which the embodiments of the present disclosure may be applied to help those skilled in the art understand the technical content of the present disclosure, and does not mean that the embodiments of the present disclosure may not be applied to other devices, systems, environments or scenarios.
As shown in fig. 2, the system architecture 200 according to this embodiment may include terminal devices 201, 202, 203, a network 204 and a server 205. The network 204 may include a plurality of gateways, routers, hubs, network wires, etc. to provide a medium for communication links between the end devices 201, 202, 203 and the server 205. Network 204 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.
The user may use the terminal device 201, 202, 203 to interact with other terminal devices and the server 205 via the network 204 to receive or send information or the like, such as sending payment requests and receiving payment results. The terminal devices 201, 202, 203 may be installed with various communication client applications, such as a bank-type application, an e-commerce-type application, a web browser application, a search-type application, an office-type application, an instant messaging tool, a mailbox client, social platform software, and the like (just examples).
The terminal devices 201, 202, 203 include, but are not limited to, smart phones, virtual reality devices, augmented reality devices, tablets, laptop computers, and the like.
The server 205 may receive the payment request and process the payment request. For example, the server 205 may be a back office management server, a cluster of servers, or the like. The background management server may analyze and process the received service request, information request, and the like, and feed back a processing result (e.g., requested balance information, payment processing result, and the like) to the terminal device.
It should be noted that the payment method provided by the embodiment of the present disclosure may be executed by the server 205 or the terminal devices 201, 202, and 203. Accordingly, the progress monitoring device provided by the embodiment of the present disclosure may be disposed in the server 205 or the terminal devices 201, 202, and 203. It should be understood that the number of terminal devices, networks, and servers are merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Fig. 3 schematically shows a flow chart of a payment method according to an embodiment of the present disclosure.
As shown in fig. 3, the method may include operations S301 to S309.
In operation S301, order information is received from a client, where the order information includes a user identifier.
In this embodiment, the client may be an application (app) of the terminal, or may be an order receiving device. The user identification can uniquely identify a user in the system, the user can have one or more accounts, and for example, an online banking system can operate on balance in the account and the like to realize payment settlement. In order to facilitate obtaining historical order information of the user, the order information submitted by the user each time can be stored.
In operation S303, at least one alternative payment scheme corresponding to the user identification is determined in response to the order information.
In this embodiment, at least one optional payment scheme corresponding to the user identifier may be screened out based on a preset rule. Wherein the preset rules include but are not limited to: the type of the account of the payment scheme, the balance of the account of the payment scheme, the available payment schemes agreed in the user subscription agreement, the common payment schemes of the group to which the user belongs, and the like.
In a specific embodiment, the account corresponding to the user identifier is a private account. Accordingly, determining at least one optional payment scheme corresponding to the user identifier may include determining at least one optional payment scheme corresponding to the user identifier based on the user identifier association information, where the user identifier association information includes at least one of: the payment method comprises the steps of a historical payment method corresponding to the user identification, a payment method of a user group to which the user identification belongs, and balance information of an account corresponding to the user identification.
For example, the historical payment method corresponding to the user identifier may be a payment method used when the user recently pays for the order, and of course, if the payment method corresponds to the usage condition, the payment method used in the history may be used as the current payment method only when the usage condition is satisfied. For another example, the payment method of the user group to which the user identifier belongs may refer to a common payment method corresponding to a user group to which the user is classified, such as grouping the users based on the payment habits, the consumption abilities, the attributes of the users, and the like of the users, so as to determine the payment method of the users based on the grouping. For another example, the payment method may be determined according to the balance information of the account corresponding to the user identifier, for example, the user identifier may correspond to a plurality of accounts (different savings cards, credit cards, wechat wallets, flowers, beijing east white slips, etc.), the available balances of different accounts are different, the payment method to be used may be determined according to the amount information in the order information and the available balance information of each account, and for example, the price of a computer is 12000 yuan, and the available balance of a certain savings card is more than 12000 yuan, a payment scheme based on the savings card may be used. If the balance in all accounts corresponding to the user identification is less than 12000 yuan, the payment schemes with the sum of the balances of the accounts being more than 12000 yuan can be taken as the selectable payment schemes.
It should be noted that when there are multiple rules for determining the alternative payment schemes, a weight may be set for each rule and then the alternative payment scheme may be determined based on a weighted sum of the payment schemes that satisfy the multiple rules. For example, the weight of the account type of the payment scheme is 0.3, the balance of the account of the payment scheme is 0.2, the weight of the available payment scheme agreed in the user subscription agreement is 0.5, the payment scheme satisfying the account type includes a payment scheme 1 and a payment scheme 2, the payment scheme satisfying the balance requirement includes a payment scheme 1, a payment scheme 2 and a payment scheme 3, and the available payment scheme satisfying the agreement includes a payment scheme 2 and a payment scheme 3. Since the weighted sum of the payment scenario 2 is 0.3+0.2+0.5 ═ 1, which is higher than the payment scenario 1 and the payment scenario 3, the payment scenario 2 is the preferred alternative payment scenario. The foregoing is illustrative only and is not to be construed as limiting the present disclosure.
In operation S305, at least one optional payment scheme is sent to the client, so that the client presents the at least one optional payment scheme.
In particular, at least one alternative payment scheme may be presented to the user on the client APP. For example, after order information is submitted on the e-commerce platform, a payment interface is skipped, the payment interface is sent to the client by the server, and at least one optional payment scheme is displayed on the payment interface for the user to select.
In another embodiment, the method may further include the operations of: after determining at least one optional payment scheme corresponding to the user identification, balance information of the at least one optional payment scheme corresponding to the user identification is acquired.
Accordingly, sending the at least one alternative payment scheme to the client for presentation by the client may include the operations of: and sending the at least one optional payment scheme and the corresponding balance information to the client so that the client can display the balance information of the at least one optional payment scheme and the corresponding balance information.
FIG. 4 schematically shows a schematic diagram of a payment interface according to an embodiment of the disclosure.
As shown in fig. 4 (a), the payment method recommended by the server to the client includes: bank card 1 payment, wechat payment and pay-for-treasure payment. In order to facilitate the user to select the payment mode which best meets the user's intention, the server side inquires the account balance of the account corresponding to the user identification, and then sends the selectable payment mode and the corresponding balance to the client side so as to facilitate the client side to display. After viewing the payment interface shown in the figure (a), the user selects the payment scheme of the bank card 1 according to the balance information.
As shown in fig. 4 (b), the payment method recommended by the server to the client includes: the bank card 1 payment, the WeChat payment and the Payment treasure payment are carried out, wherein the balance of the account corresponding to the Bank card 1 payment, the WeChat payment and the Payment treasure payment is lower than the price of 12000 yuan of the computer. After the server inquires the account balance of the account corresponding to the user identification, the server sends the optional payment mode and the corresponding balance to the client so as to be displayed by the client conveniently. After viewing the payment interface shown in the figure (a), the user selects a combined payment scheme of bank card 1 payment and payment treasure payment according to the balance information to pay. Due to the adoption of the combined payment mode, the payment amount of each payment mode can be input by the user. Therefore, the user does not need to transfer the balance of the account to meet the transaction amount, and the convenience of payment of the user is effectively improved.
In operation S307, a user operation instruction for a user to determine at least one payment scheme from at least one selectable payment scheme at the client is received.
Referring to fig. 1, the user may input an operation instruction for at least one payment scenario by clicking, long pressing, etc., and may input a payment amount for each payment scenario if it is desired to adopt a plurality of payment scenarios for one order.
In operation S309, in response to the user operation instruction, a payment operation is performed with respect to an account corresponding to at least one payment scheme.
In one embodiment, the payment method for each payment scheme may be the same as the prior art. For example, one service is developed for a savings card payment method, one service is developed for a credit card payment method, one service is developed for a wechat payment method, one service is developed for a credit card and savings card combined payment method, and the like.
In another embodiment, an Internet Technology (IT) architecture may be different from existing IT architectures. For example, the IT architecture may include interactive components, transaction services, component services, and object services. The interaction component comprises an interface, a navigation component, an input and output component and a calling relation between the interaction component and the transaction service. The transaction service realizes the business function by calling the component service, and outputs the processing result of the business function to the interaction component, wherein one transaction service corresponds to one interaction action between the entity and the service. The component services are used to assemble object services for transaction service invocation. The object service is used for encapsulating the business rule so as to read and/or write data related to the entity in the data set based on the business rule. Through the modular structure, decoupling of orders and payment is achieved. For example, when a deposit card is used for payment and a credit card is used for payment, the payment component service corresponding to the deposit card is used for payment, and when a deposit card and a credit card are used for combined payment aiming at an order, only the amount of money to be paid by the deposit card and the amount of money to be paid by the credit card need to be determined, and then, the transaction service (corresponding to the order payment transaction) calls an application interface (API) of the deposit card payment component service to carry out payment operation and the API of the credit card payment component service to carry out payment operation, so that the function of carrying out combined payment aiming at one order by adopting two payment schemes can be realized. Therefore, corresponding application services do not need to be developed for various payment modes and various combination modes thereof, development cost is effectively reduced, and product online speed is improved.
The payment method provided by the embodiment of the disclosure determines the optional payment scheme corresponding to the user identifier based on the user identifier, so that the user can select the payment scheme that the user wants to adopt from the optional payment schemes, wherein the user can select an appropriate payment scheme according to the payment requirement, for example, multiple payment schemes are selected from multiple optional payment schemes to pay one order together, multiple orders can be packed and then paid by using one payment scheme, and multiple orders can be packed and then paid by using multiple payment schemes, thereby effectively improving the payment convenience of the user and improving the user experience.
Fig. 5 schematically shows a flow chart of a payment method according to another embodiment of the present disclosure.
As shown in fig. 5, the method may further include operation S501.
In operation S501, before determining at least one optional payment scheme corresponding to the user identifier, a first mapping relationship between the user identifier and the optional payment scheme is stored. The first mapping relationship may be set by a user, set by an account administrator, or the like.
Accordingly, determining at least one alternative payment scheme corresponding to the user identification may include: and if the account corresponding to the user identification is a public account, determining at least one optional payment scheme corresponding to the user identification based on the first mapping relation.
Sending the at least one alternative payment scheme to the client for presentation by the client may include: and sending the at least one optional payment scheme and the amount input prompt message of the payment scheme to the client so that the client can display the at least one optional payment scheme and the amount input prompt message.
In another embodiment, the selectable payment scheme includes a limit for the selectable payment method. Accordingly, the above method may further include the following operations.
Firstly, after receiving a user operation instruction, determining whether the amount input by the optional payment method for which the user operation instruction is directed exceeds the limit of the optional payment method.
Then, if the limit of the optional payment mode is determined to be exceeded, excess prompt information is sent to the client.
The limit may be an upper limit of the amount determined from an agreement signed by the user, or an upper limit of the transaction amount set by a bank (such as an upper limit of the single-day transaction amount or an upper limit of the single-time transaction amount) to improve the security of the property of the user.
In a particular embodiment, storing the first mapping between the user identification and the alternative payment scheme may include the following operations.
Firstly, a user payment protocol corresponding to the user identification is obtained based on the user identification.
A first mapping between the user identification and the alternative payment scheme is then determined based on the user payment protocol.
Next, a first mapping between the user identification and the alternative payment scheme is stored.
For example, after a user enters into a payment product agreement with a commercial bank, the payment product agreement system stores the contents of the product agreement agreed with the user. Payment product agreements include, but are not limited to: and at least one of the relationship between the user identification and the plurality of payment modes, the quota of the payment modes and the contract signing time. Payment product agreements require real-time updates.
Fig. 6 schematically shows a schematic diagram of a payment transaction architecture according to an embodiment of the present disclosure.
As shown in fig. 6, taking a public payment service scenario as an example for illustration, the payment service architecture may include: a product business object, an order business object, a payment scheme business object, a product agreement business object, an account business object, and an execution evidence business object. The business objects are represented by dashed boxes in fig. 6.
The product business object comprises a product entity model, and the product entity model comprises money information. The order business object comprises an order entity model, and the order entity model comprises a user identifier. The payment scheme business object comprises a payment scheme and order relation entity model, a payment scheme entity model and a payment scheme and product agreement relation entity model, wherein the payment scheme entity model is determined based on the payment scheme and order relation entity model and the payment scheme and product agreement relation entity model. The product agreement service object comprises a plurality of product agreements, and the product agreements are agreements signed by users corresponding to the user identifications. The account service object comprises account information, and one account information corresponds to one user identifier. The proof of execution business object comprises a proof of execution solid model used for storing payment correlation information of the payment settlement order.
In the pay-to-public scenario shown in fig. 6, the pay-to-public manner may include cash payment, financing payment, and bill payment, among others. In the related technical scheme, one order can only adopt one payment mode of cash payment, financing payment, bill payment and the like for payment, and inconvenience is brought to a user. The method aims to solve the problem that the combined payment of orders cannot be supported in a public payment scene or one order is split into multiple service pain points which are paid in multiple modes. The mapping between the payment settlement order and the payment scheme is adjusted to a "many-to-many relationship". Specifically, an entity model of "relationship between payment order and payment scheme" may be added to the business object of the payment scheme, so as to achieve decoupling of the payment order and the payment scheme. The product agreement can be obtained from a contract which is signed in advance between the user and the bank, and the account can be an account started by the user at the bank, and execution evidence such as a transaction bill and the like needs to be issued to the user after payment is successful. Accordingly, the IT architecture may be as described above and will not be described in detail herein.
In another embodiment, in order to improve the convenience of the user in making payment, the method may further include the following operations.
And acquiring historical payment mode information of the user identification before determining at least one optional payment scheme corresponding to the user identification.
Accordingly, determining at least one alternative payment scheme to which the user identification corresponds may include: and determining at least one optional payment scheme corresponding to the user identification based on the historical payment mode information of the user identification.
For example, when the user makes a cash payment for the last time, and determines that the payment product agreement signed by the user with the commercial bank is not changed and continues to take effect, the cash payment method can be preferentially recommended to the user, for example, the cash payment method is selected for the user in advance, and the user is prompted to click to confirm the payment if the payment method does not need to be changed. Of course, while sending the cash payment mode, the optional financing payment mode and the bill payment mode in the payment protocol can also be sent to the client side, so that the user can select the optional financing payment mode and the bill payment mode.
Fig. 7 schematically illustrates a flow chart of a payment method according to another embodiment of the present disclosure.
As shown in fig. 7, the payment method performed by the client may include operations S701 to S709.
In operation S701, order information is sent to the server, where the order information includes a user identifier.
In operation S703, at least one optional payment scheme is received from the server side, where the at least one optional payment scheme is determined by the server side based on the user identifier.
Specifically, the method for determining at least one alternative payment scheme may refer to the relevant contents of operation S303, which will not be described in detail herein.
In operation S705, at least one alternative payment scheme is presented. In particular, it may be presented in a payment interface of an APP.
In operation S707, a user operation instruction for the at least one selectable payment scheme is received to determine at least one payment scheme from the at least one selectable payment scheme. For example, the user may select at least one payment scheme required by the user from the at least one optional payment scheme by clicking or the like, and may make a single payment scheme payment or a combined payment scheme payment.
The information such as available lines of various payment modes can be displayed in the payment interface of the APP, and therefore the user can conveniently improve the payment success rate based on the available lines.
In addition, the above method for determining at least one optional payment scheme may refer to the above, such as determining at least one optional payment scheme corresponding to the user identifier based on the user identifier association information, where the user identifier association information includes at least one of the following: the payment method comprises the steps of a historical payment method corresponding to the user identification, a payment method of a user group to which the user identification belongs, and balance information of an account corresponding to the user identification. Of course, the payment method may also be determined based on a payment agreement entered into between the user and the bank. In addition, the multiple determination modes can be combined to obtain a payment mode which is more in line with the payment habit of the user and the current payment scene.
In operation S709, in response to the user operation instruction, the user operation instruction is sent to the server, so that the server performs a payment operation on an account corresponding to at least one payment scheme.
In another embodiment, the method may further include the following operations.
And after the user operation instruction is sent to the server side, payment feedback information is received. For example, whether the payment was successful, identification related information for the payment transaction, etc. may be presented. In addition, promotion information, such as advertising information, retrievable welfare information, and the like, may also be included.
The payment feedback information is then presented.
The payment method provided by the disclosure can effectively improve the convenience of payment operation of a user.
One aspect of the present disclosure provides a payment apparatus, and fig. 8 schematically illustrates a block diagram of a payment apparatus according to an embodiment of the present disclosure.
As shown in fig. 8, the payment apparatus may include an order information receiving module 810, an option determining module 820, an option transmitting module 830, a first operation instruction receiving module 840, and a payment module 850.
The order information receiving module 810 is configured to receive order information from a client, where the order information includes a user identifier.
The alternative determination module 820 is configured to determine at least one alternative payment scheme corresponding to the user identification in response to the order information.
The option sending module 830 is configured to send the at least one optional payment scheme to the client, so that the client can display the at least one optional payment scheme.
The first operation instruction receiving module 840 is configured to receive a user operation instruction, where the user operation instruction is used for determining at least one payment scheme from at least one selectable payment scheme at the client.
The payment module 850 is configured to perform a payment operation for an account corresponding to at least one payment scheme in response to the user operation instruction.
In one embodiment, the apparatus may further include a storage module.
The storage module is used for storing a first mapping relation between the user identification and the selectable payment scheme.
Correspondingly, the alternative scheme determining module is specifically configured to determine, based on the first mapping relationship, at least one alternative payment scheme corresponding to the user identifier if the account corresponding to the user identifier is a public account.
Correspondingly, the optional solution sending module is specifically configured to send the limit input prompt message of the at least one optional payment solution and payment solution to the client, so that the client displays the limit input prompt message of the at least one optional payment solution and payment solution.
Optionally, the apparatus may further include a history information obtaining module.
The historical information acquisition module is used for acquiring historical payment mode information of the user identification.
Correspondingly, the alternative scheme determining module is specifically configured to determine at least one alternative payment scheme corresponding to the user identifier based on the historical payment method information of the user identifier.
In one embodiment, the option determining module 820 is specifically configured to determine at least one optional payment option corresponding to the user identifier based on the user identifier association information, where the user identifier association information includes at least one of: the payment method comprises the steps of a historical payment method corresponding to the user identification, a payment method of a user group to which the user identification belongs, and balance information of an account corresponding to the user identification.
Another aspect of the present disclosure provides a payment apparatus, and fig. 9 schematically illustrates a block diagram of a payment apparatus according to another embodiment of the present disclosure.
As shown in fig. 9, the payment apparatus may include: an order information sending module 910, an option receiving module 920, an option presenting module 930, a second operation instruction receiving module 940 and an operation instruction sending module 950.
The order information sending module 910 is configured to send order information to the server, where the order information includes a user identifier.
The option receiving module 920 is configured to receive at least one optional payment scheme from the server side, where the at least one optional payment scheme is determined by the server side based on the user identifier.
The option presentation module 930 is configured to present at least one option payment option.
The second operation instruction receiving module 940 is configured to receive a user operation instruction, where the user operation instruction is specific to the at least one selectable payment scheme, so as to determine the at least one payment scheme from the at least one selectable payment scheme.
The operation instruction sending module 950 is configured to send a user operation instruction to the server end in response to the user operation instruction, so that the server end performs a payment operation on an account corresponding to at least one payment scheme.
Fig. 10 schematically illustrates a block diagram of a payment system according to an embodiment of the present disclosure.
As shown in fig. 10, the payment system 1000 may include: an order submission device 1010, an order management system 1020, a payment scheme management system 1030, a payment product agreement system 1040, and an account management system 1050.
The order submitting device 1010 is connected with the order management system 1020, the order management system 1020 is connected with the payment scheme management system 1030, the payment scheme management system 1030 is connected with the payment product agreement system 1040, the payment scheme management system 1030 is connected with the account management system 1050, and the payment product agreement system 1040 is connected with the account management system 1050.
Specifically, the order submitting device 1010 may be a client app, or an order receiving device, and is responsible for processing the submitted order information. The order management system 1020 is responsible for storing the order information of the user, and the payment scheme management system 1030 is responsible for managing the payment mode of the user for the order. The payment product agreement system 1040 is responsible for managing the payment agreement signed by the user, and the agreement may agree the payment mode used by the user in different scenarios, and the like. Account management system 1050 is responsible for handling user accounts.
In one particular embodiment, the operational flow of the payment system 1000 may be as follows.
First, after the user enters into a payment product agreement with the commercial bank, the payment product agreement system 1040 stores the product agreement contents agreed with the user. The payment product agreement includes: the relationship between the user Identification (ID) and various payment modes, the limit of the payment modes and the contract signing time. The payment product agreement system 1040 pushes the new data back up to the payment scenario management system 1030.
Then, the user submits the order through the internet bank or the partner and selects one or more payment methods (the user-selectable payment method is obtained from the payment scheme management system 1030), the order information is processed by the client submitting order submitting device 1010, the user order information is perfected, and the order information is uploaded to the order management system 1020. The order management system 1020 records the process of taking place of business such as goods or services between the merchant and the user. The order management system 1020 records and stores a process of taking place of a transaction such as a commodity or a service between a merchant and a user. The user selected payment method information is submitted by the client to the payment scheme management system 1030.
The payment scheme management system 1030 then screens out the user-selectable payment schemes according to the payment product agreement. And reading order information in the order management system 1020 according to the payment mode and the order number selected by the user during payment activities, checking and storing the association relation between the payment scheme and the order.
Then, the payment solution management system 1030 processes the payment solution and order relationship, such as multiple payments for an order, multiple payment instruments for a single payment, consolidated payment for multiple orders, and the payment solution management system 1030 submits to the account management system 1050 for accounting processing.
Then, the account management system 1050 performs accounting processing and returns the payment result to the payment scheme management system 1030 to update the payment status.
The payment solution management system 1030 then returns the payment status to the order management system to update the order status.
It should be noted that the implementation, solved technical problems, implemented functions, and achieved technical effects of each module/unit and the like in the apparatus part embodiment are respectively the same as or similar to the implementation, solved technical problems, implemented functions, and achieved technical effects of each corresponding step in the method part embodiment, and are not described in detail herein.
Any of the modules, units, or at least part of the functionality of any of them according to embodiments of the present disclosure may be implemented in one module. Any one or more of the modules and units according to the embodiments of the present disclosure may be implemented by being split into a plurality of modules. Any one or more of the modules, units according to the embodiments of the present disclosure may be implemented at least partially as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented by any other reasonable means of hardware or firmware by integrating or packaging the circuits, or in any one of three implementations of software, hardware and firmware, or in any suitable combination of any of them. Alternatively, one or more of the modules, units according to embodiments of the present disclosure may be implemented at least partly as computer program modules, which, when executed, may perform the respective functions.
For example, any plurality of the order information receiving module 810, the option determining module 820, the option transmitting module 830, the first operation instruction receiving module 840, and the payment module 850 may be combined in one module to be implemented, or any one of them may be split into a plurality of modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the order information receiving module 810, the option determining module 820, the option transmitting module 830, the first operation instruction receiving module 840 and the payment module 850 may be at least partially implemented as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented by hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or implemented by any one of three implementations of software, hardware and firmware, or by a suitable combination of any of them. Alternatively, at least one of the order information receiving module 810, the option determining module 820, the option transmitting module 830, the first operation instruction receiving module 840 and the payment module 850 may be at least partially implemented as a computer program module, which may perform a corresponding function when executed.
FIG. 11 schematically shows a block diagram of an electronic device according to an embodiment of the disclosure. The electronic device shown in fig. 11 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present disclosure.
As shown in fig. 11, an electronic device 1100 according to an embodiment of the present disclosure includes a processor 1101, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)1102 or a program loaded from a storage section 1108 into a Random Access Memory (RAM) 1103. The processor 1101 may comprise, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 1101 may also include on-board memory for caching purposes. The processor 1101 may comprise a single processing unit or a plurality of processing units for performing the different actions of the method flows according to the embodiments of the present disclosure.
In the RAM 1103, various programs and data necessary for the operation of the electronic device 1100 are stored. The processor 1101, the ROM 1102, and the RAM 1103 are communicatively connected to each other by a bus 1104. The processor 1101 performs various operations of the method flow according to the embodiments of the present disclosure by executing programs in the ROM 1102 and/or the RAM 1103. It is to be noted that the programs may also be stored in one or more memories other than the ROM 1102 and the RAM 1103. The processor 1101 may also perform various operations of the method flows according to the embodiments of the present disclosure by executing programs stored in the one or more memories.
Electronic device 1100 may also include input/output (I/O) interface 1105, input/output (I/O) interface 1105 also connected to bus 1104, according to an embodiment of the disclosure. Electronic device 1100 may also include one or more of the following components connected to I/O interface 1105: an input portion 1106 including a keyboard, mouse, and the like; an output portion 1107 including a signal output unit such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and a speaker; a storage section 1108 including a hard disk and the like; and a communication section 1109 including a network interface card such as a LAN card, a modem, or the like. The communication section 1109 performs communication processing via a network such as the internet. A driver 1110 is also connected to the I/O interface 1105 as necessary. A removable medium 1111 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 1110 as necessary, so that a computer program read out therefrom is mounted into the storage section 1108 as necessary.
According to embodiments of the present disclosure, method flows according to embodiments of the present disclosure may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable storage medium, the computer program containing program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication portion 1109 and/or installed from the removable medium 1111. The computer program, when executed by the processor 1101, performs the above-described functions defined in the system of the embodiment of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.
The present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.
According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM 1102 and/or the RAM 1103 and/or one or more memories other than the ROM 1102 and the RAM 1103 described above.
Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. These examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

Claims (18)

1. A payment method performed by a server side, comprising:
receiving order information from a client, wherein the order information comprises a user identifier;
determining at least one alternative payment scheme corresponding to the user identification in response to the order information;
sending the at least one optional payment scheme to the client so that the client can display the at least one optional payment scheme;
receiving a user operation instruction, wherein the user operation instruction is used for determining at least one payment scheme from the at least one optional payment scheme at the client; and
and responding to the user operation instruction, and performing payment operation on an account corresponding to the at least one payment scheme.
2. The method of claim 1, further comprising: storing a first mapping relation between the user identification and the optional payment schemes before determining at least one optional payment scheme corresponding to the user identification;
the determining at least one alternative payment scheme corresponding to the user identification comprises:
if the account corresponding to the user identification is a public account, determining at least one optional payment scheme corresponding to the user identification based on the first mapping relation; and
the sending the at least one alternative payment scheme to the client so that the client presents the at least one alternative payment scheme comprises:
and sending the limit input prompt information of the at least one optional payment scheme and the payment scheme to the client so that the client can display the at least one optional payment scheme and the limit input prompt information.
3. The method of claim 2, wherein the selectable payment scheme includes a limit for a selectable payment means;
the method further comprises the following steps: after receiving the user operation instruction, the user operation instruction is sent to the server,
determining whether the amount input by the optional payment mode for which the user operation instruction is directed exceeds the limit of the optional payment mode; and
and if the limit of the optional payment mode is determined to be exceeded, sending excess prompt information to the client.
4. The method of claim 2, wherein storing a first mapping between user identifications and selectable payment schemes comprises:
acquiring a user payment protocol corresponding to the user identification based on the user identification;
determining a first mapping relationship between the user identification and an optional payment scheme based on the user payment protocol; and
storing a first mapping between the user identification and an alternative payment scheme.
5. The method of claim 1, further comprising: before determining at least one optional payment scheme corresponding to the user identifier, acquiring historical payment mode information of the user identifier;
the determining at least one alternative payment scheme corresponding to the user identifier comprises:
and determining at least one optional payment scheme corresponding to the user identification based on the historical payment mode information of the user identification.
6. The method of claim 1, wherein the account corresponding to the user identifier is a private account;
the determining at least one alternative payment scheme corresponding to the user identifier comprises:
determining at least one optional payment scheme corresponding to the user identifier based on user identifier associated information, wherein the user identifier associated information includes at least one of: the payment method comprises the steps of a historical payment method corresponding to the user identification, a payment method of a user group to which the user identification belongs, and balance information of an account corresponding to the user identification.
7. The method of claim 1, further comprising: after determining at least one optional payment scheme corresponding to the user identification, acquiring balance information of the at least one optional payment scheme corresponding to the user identification; and
the sending the at least one alternative payment scheme to the client so that the client presents the at least one alternative payment scheme comprises:
and sending the at least one optional payment scheme and the corresponding balance information to the client so that the client can display the balance information of the at least one optional payment scheme and the corresponding balance information.
8. A payment method performed by a client, comprising:
sending order information to a server side, wherein the order information comprises a user identifier;
receiving at least one optional payment scheme from the server side, wherein the at least one optional payment scheme is determined by the server side based on the user identification;
presenting the at least one alternative payment scheme;
receiving user operation instructions, the user operation instructions being specific to the at least one selectable payment scheme to determine at least one payment scheme from the at least one selectable payment scheme; and
and responding to the user operation instruction, and sending the user operation instruction to a server side so that the server side carries out payment operation on an account corresponding to the at least one payment scheme.
9. The method of claim 8, further comprising: after the user operation instruction is sent to the server side,
receiving payment feedback information; and
and displaying the payment feedback information.
10. A payment transaction architecture comprising:
a product business object comprising a product mockup, the product mockup comprising monetary information;
the order business object comprises an order entity model, and the order entity model comprises a user identifier;
the payment scheme business object comprises a payment scheme and order relation entity model, a payment scheme entity model and a payment scheme and product agreement relation entity model, wherein the payment scheme entity model is determined based on the payment scheme and order relation entity model and the payment scheme and product agreement relation entity model;
the product agreement service object comprises a plurality of product agreements, and the product agreements are agreements signed by the users corresponding to the user identifications;
the account business object comprises account information, and one account information corresponds to one user identifier; and
and the execution evidence business object comprises an execution evidence entity model and is used for storing the payment correlation information of the payment settlement order.
11. A payment device, comprising:
the order information receiving module is used for receiving order information from a client, and the order information comprises a user identifier;
an alternative scheme determining module, configured to determine, in response to the order information, at least one alternative payment scheme corresponding to the user identifier;
an alternative scheme sending module, configured to send the at least one alternative payment scheme to the client, so that the client displays the at least one alternative payment scheme;
a first operation instruction receiving module, configured to receive a user operation instruction, where the user operation instruction is used for a user to determine at least one payment scheme from the at least one selectable payment scheme at a client; and
and the payment module is used for responding to the user operation instruction and performing payment operation aiming at the account corresponding to the at least one payment scheme.
12. The apparatus of claim 11, further comprising:
the storage module is used for storing a first mapping relation between the user identification and the optional payment scheme;
the alternative scheme determining module is specifically configured to determine, based on the first mapping relationship, at least one optional payment scheme corresponding to the user identifier if the account corresponding to the user identifier is a public account; and
the option sending module is specifically configured to send the at least one optional payment scheme and the limit input prompt message of the payment scheme to the client, so that the client displays the at least one optional payment scheme and the limit input prompt message.
13. The apparatus of claim 11, further comprising:
the historical information acquisition module is used for acquiring historical payment mode information of the user identifier; and
the alternative scheme determining module is specifically configured to determine at least one alternative payment scheme corresponding to the user identifier based on historical payment manner information of the user identifier.
14. The apparatus according to claim 11, wherein the option determining module is specifically configured to determine at least one optional payment option corresponding to the user identifier based on user identifier association information, where the user identifier association information includes at least one of: the payment method comprises the steps of a historical payment method corresponding to the user identification, a payment method of a user group to which the user identification belongs, and balance information of an account corresponding to the user identification.
15. A payment device, comprising:
the order information sending module is used for sending order information to the server side, and the order information comprises a user identifier;
an alternative receiving module, configured to receive at least one alternative payment scheme from the server, where the at least one alternative payment scheme is determined by the server based on the user identifier;
an alternative scheme display module for displaying the at least one alternative payment scheme;
a second operation instruction receiving module, configured to receive a user operation instruction, where the user operation instruction is specific to the at least one selectable payment scheme, so as to determine at least one payment scheme from the at least one selectable payment scheme; and
and the operation instruction sending module is used for responding to the user operation instruction and sending the user operation instruction to a server so that the server carries out payment operation on an account corresponding to the at least one payment scheme.
16. A payment system, comprising:
the order submitting device is used for submitting order information, and the order information comprises a user identifier;
the order management system is used for storing order information corresponding to the user identification;
the payment scheme management system is used for managing the payment scheme of the order information submitted by the user identifier;
the payment product agreement system is used for managing a payment agreement signed by a user, and the payment agreement is used for appointing payment modes used by the user identification in different scenes; and
and the account management system is used for processing the user account to carry out payment operation.
17. An electronic device, comprising:
one or more processors;
a storage device for storing executable instructions which, when executed by the processor, implement the method of any one of claims 1 to 9.
18. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, implement a method according to any one of claims 1 to 9.
CN201911038871.1A 2019-10-29 2019-10-29 Payment method, device and system, payment service architecture, electronic equipment and medium Pending CN110796440A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201911038871.1A CN110796440A (en) 2019-10-29 2019-10-29 Payment method, device and system, payment service architecture, electronic equipment and medium

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201911038871.1A CN110796440A (en) 2019-10-29 2019-10-29 Payment method, device and system, payment service architecture, electronic equipment and medium

Publications (1)

Publication Number Publication Date
CN110796440A true CN110796440A (en) 2020-02-14

Family

ID=69442069

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201911038871.1A Pending CN110796440A (en) 2019-10-29 2019-10-29 Payment method, device and system, payment service architecture, electronic equipment and medium

Country Status (1)

Country Link
CN (1) CN110796440A (en)

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111371879A (en) * 2020-02-28 2020-07-03 中国工商银行股份有限公司 Network path management method, device, system, service architecture and electronic equipment
CN112348500A (en) * 2020-11-11 2021-02-09 武汉默联股份有限公司 Closed-loop management method for medical payment
CN112926763A (en) * 2021-01-15 2021-06-08 远光软件股份有限公司 Payment application scheduling method and device, storage medium and server
CN113592486A (en) * 2020-04-30 2021-11-02 华为技术有限公司 Payment method, system and related equipment based on cloud application example
CN114493582A (en) * 2022-02-08 2022-05-13 北京有竹居网络技术有限公司 Payment page display method and device, readable medium and electronic equipment
CN115526616A (en) * 2022-09-19 2022-12-27 青岛畅联科技有限公司 MaaS payment clearing and settlement system based on artificial intelligence

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP2339529A1 (en) * 2009-12-01 2011-06-29 Mikko Kalervo Väänänen Method and means for controlling payment setup
CN105335847A (en) * 2014-06-30 2016-02-17 阿里巴巴集团控股有限公司 Operation method and device of electronic account
CN109447609A (en) * 2018-09-25 2019-03-08 平安科技（深圳）有限公司 Method of payment, device, computer equipment and storage medium

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP2339529A1 (en) * 2009-12-01 2011-06-29 Mikko Kalervo Väänänen Method and means for controlling payment setup
CN105335847A (en) * 2014-06-30 2016-02-17 阿里巴巴集团控股有限公司 Operation method and device of electronic account
CN109447609A (en) * 2018-09-25 2019-03-08 平安科技（深圳）有限公司 Method of payment, device, computer equipment and storage medium

Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111371879A (en) * 2020-02-28 2020-07-03 中国工商银行股份有限公司 Network path management method, device, system, service architecture and electronic equipment
CN113592486A (en) * 2020-04-30 2021-11-02 华为技术有限公司 Payment method, system and related equipment based on cloud application example
CN113592486B (en) * 2020-04-30 2024-04-12 华为云计算技术有限公司 Payment method, system and related equipment based on cloud application instance
CN112348500A (en) * 2020-11-11 2021-02-09 武汉默联股份有限公司 Closed-loop management method for medical payment
CN112926763A (en) * 2021-01-15 2021-06-08 远光软件股份有限公司 Payment application scheduling method and device, storage medium and server
CN114493582A (en) * 2022-02-08 2022-05-13 北京有竹居网络技术有限公司 Payment page display method and device, readable medium and electronic equipment
CN115526616A (en) * 2022-09-19 2022-12-27 青岛畅联科技有限公司 MaaS payment clearing and settlement system based on artificial intelligence
CN115526616B (en) * 2022-09-19 2023-08-22 青岛畅联科技有限公司 MaaS payment settlement system based on artificial intelligence

Similar Documents

Publication Publication Date Title
CN110796440A (en) Payment method, device and system, payment service architecture, electronic equipment and medium
US11727452B1 (en) Invoice financing and repayment
US9892458B1 (en) Invoice financing and repayment
JP5044927B2 (en) Facilitating small payments between multiple parties
CN110599323A (en) Resource processing method and processing equipment
KR20180098069A (en) Agency settlement system, server and controlling method thereof
AU2017301640B2 (en) Reprogrammable point of sale transaction flows
CN110874728A (en) Online payment system, online payment method, device, medium and server
CN111859049B (en) Method for realizing differential display of enterprise salary information and message generation method
JP6976295B2 (en) Information processing equipment and information processing method
US10235718B2 (en) Future resource forecast
JP7209984B1 (en) Program, Information Processing Apparatus, and Method
JP6976626B1 (en) Programs, systems and methods
JP6271063B1 (en) Fund transfer system, method and program executed by fund transfer system
CN113300937B (en) Resource allocation method, display method, device, system and equipment
CN109214911A (en) The treating method and apparatus of bill reconciliation exception
CN111915417B (en) Tax amount determining method and device and electronic equipment
CN112950365A (en) Method and device for supplementing money between accounts
CN111242576A (en) Method and device for processing request
CN109272399A (en) A kind of management method and device of credit card
JP2021064245A (en) Salary advance payment server, salary advance payment program, salary advance payment system, and salary advance payment method
TWM578433U (en) Intellengent customer data processing system and conversational setting system
JP2020071817A (en) Information processing method, information processor, and program
JP2013109789A (en) Continuous card payment registration system, continuous card payment registration method and computer program
CN107274170A (en) Consumption, which is supported, borrows management method, storage medium and system

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
RJ01 Rejection of invention patent application after publication

Application publication date: 20200214

RJ01 Rejection of invention patent application after publication