CN112418842A - Payment mode processing method, device, equipment and storage medium - Google Patents
Payment mode processing method, device, equipment and storage medium Download PDFInfo
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Abstract
The application relates to the technical field of payment mode processing, and provides a payment mode processing method, a payment mode processing device, payment mode processing equipment and a storage medium. Through the mode, one or more payment modes capable of supporting use can be provided according to the current environment information, a user can conveniently carry out custom payment, a payment list is managed, and user experience is improved.
Description
Technical Field
The present application relates to the field of payment processing technologies, and in particular, to a payment processing method, apparatus, device, and storage medium.
Background
The existing payment settlement platform generally supports payment treasure and WeChat payment, but the payment mode is directly and fixedly written at the front end to be fixedly displayed in the prior art, flexible configuration cannot be achieved, and the mode easily causes the following problems, for example, when an account number on which payment depends is influenced by additional factors, the payment mode cannot be quickly adjusted, so that services are influenced.
Based on the above technical problems in the prior art, the inventor of the present application proposes a payment method processing method, device, apparatus and storage medium.
Disclosure of Invention
In order to solve the technical problem, the application provides a payment mode processing method, a payment mode processing device and a storage medium, so that a user-defined payment mode of a user is realized, the management of the payment mode is realized, and the payment experience of the user is improved.
In a first aspect, the present application provides a payment method, including:
when payment is needed, a payment front end initiates a payment mode request to a backend Application Programming Interface (API), wherein the payment mode request carries current environment information;
acquiring a payable list returned by a back-end API according to the payment mode request, wherein the back-end API acquires the corresponding payable list from a preset configuration database according to the current environment information;
the payable list is prompted by the payment front end for personalized payment.
In a second aspect, the present application provides a payment method processing apparatus, which is applied to a payment front end, and the payment method processing apparatus includes:
the payment system comprises an initiating module, a payment processing module and a payment processing module, wherein the initiating module is used for initiating a payment mode request to a backend Application Programming Interface (API) when payment is needed, and the payment mode request carries current environment information;
the obtaining module is used for obtaining a payable list returned by a back-end API according to the payment mode request, wherein the back-end API obtains the corresponding payable list from a preset configuration database according to the current environment information;
and the display module is used for prompting the payable list for personalized payment.
In a third aspect, the present application further provides a computer device, characterized in that the computer device comprises a memory and a processor;
the memory is used for storing a computer program;
the processor is configured to execute the computer program and implement the payment method processing method as described above when executing the computer program.
In a fourth aspect, the present application further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and the computer program, when executed by a processor, causes the processor to implement a payment means processing method including the above-mentioned payment means processing method.
The application discloses a payment mode processing method, a payment mode processing device, equipment and a storage medium, wherein firstly, when payment is needed, a payment front end initiates a payment mode request to a back-end Application Programming Interface (API), wherein the payment mode request carries current environment information; then, a payable list returned by a back-end API according to the payment mode request is obtained, wherein the back-end API obtains the corresponding payable list from a preset configuration database according to the current environment information; and finally, the payment front end prompts the payable list for personalized payment. Through the mode, one or more payment modes capable of supporting use can be provided according to the current environment information, a user can conveniently carry out custom payment, a payment list is managed, and user experience is improved. Particularly, when the account number on which payment depends is influenced by additional factors, the payment mode can be quickly adjusted, and the influence on the service is avoided.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
FIG. 1 is a flow chart illustrating steps of a payment processing method provided in an embodiment of the present application;
fig. 2 is a schematic structural diagram of a payment method processing apparatus provided in an embodiment of the present application;
fig. 3 is a schematic structural diagram of a computer device provided in an embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some, but not all, embodiments of the present application. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
The flow diagrams depicted in the figures are merely illustrative and do not necessarily include all of the elements and operations/steps, nor do they necessarily have to be performed in the order depicted. For example, some operations/steps may be decomposed, combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.
The embodiment of the application provides a payment mode processing method, a payment mode processing device, computer equipment and a storage medium, and the payment method comprises the steps that firstly, when payment is needed, a payment front end initiates a payment mode request to a back-end Application Programming Interface (API), wherein the payment mode request carries current environment information; then, a payable list returned by a back-end API according to the payment mode request is obtained, wherein the back-end API obtains the corresponding payable list from a preset configuration database according to the current environment information; and finally, the payment front end prompts the payable list for personalized payment. Through the mode, one or more payment modes capable of supporting use can be provided according to the current environment information, a user can conveniently carry out custom payment, a payment list is managed, and user experience is improved.
Some embodiments of the present application will be described in detail below with reference to the accompanying drawings. The embodiments described below and the features of the embodiments can be combined with each other without conflict.
Referring to fig. 1, fig. 1 is a schematic flowchart illustrating steps of a payment method processing method provided in an embodiment of the present application, where the payment method processing method of the present embodiment may include, but is not limited to, the following steps.
Step S101, when payment is needed, a payment front end initiates a payment mode request to a backend Application Programming Interface (API), wherein the payment mode request carries current environment information.
Step S102, a payable list returned by a back-end API according to the payment mode request is obtained, wherein the back-end API obtains the corresponding payable list from a preset configuration database according to the current environment information.
Step S103, the payment front end prompts the payable list for personalized payment.
In this embodiment, the payment front end may be a mobile phone, a tablet computer, or other smart wearable device.
It should be noted that, in this embodiment, multiple payment methods including wechat, pay pal, unionpay, and the like that are used in mainstream can be integrally supported, and in addition, the payment method of accessing the partner can be customized very conveniently, for example, an independent cash desk can be set to be embedded in the APP of the partner, and management of multiple wechat and pay pal merchants can be supported at the same time, routing of the payment method can be performed conveniently, and when one merchant is unavailable, the payment method can be switched to the payment method of other available merchants conveniently, and then the payment interface is pulled up by the available merchant to perform payment, so that stability and availability of the payment channel are ensured. In addition, the present embodiment may perform configuration management of the payment method in the background, and maintain the relevant payment configuration information.
It is worth mentioning that, this embodiment can show the payment mode in a flexible way, can support different environment such as different cooperators, different payer sources, webpage or APP, and realize the show of automatic switch payment mode, and can go on putting on the shelf processing to the payment mode in a flexible way. For example, the environment in the WeChat only shows the public number payment, the APP of the customer A only shows the payment treasure payment mode, the APP of the customer B only shows the WeChat payment, or some APPs only show the specific payment mode, so that the diversified requirements of the customer can be met.
In an embodiment, before the step of initiating, by the front-end payment terminal, a payment method request to the backend application programming interface API, the method may further include: the payment front end acquires the current environment information of the payment front end.
Specifically, the current environment information includes: APP type payment environment, browser type payment environment, and pop-up widget type payment environment. By the mode, different payment modes can be switched and used according to different payment environments, and convenience is brought to users.
Of course, in other embodiments, the current environment information includes: payment partner ID information, payment promotion source ID information, and payment environment security level information. By the method, different payment modes of different levels can be used according to different partner identities or security levels, and the security performance of payment is ensured.
In an embodiment, the step of prompting the payable list by the payment front end specifically includes: acquiring historical payment habit information of a current user; sorting the payable list correspondingly according to the historical payment habit information; and prompting the sorted payable list to the current user. By the mode, different payment modes can be switched and used according to the payment history of the user, so that the method and the device are more in line with the operation habit of the user.
In some embodiments, after the step of prompting the sorted payable list to the current user, the method may further include: acquiring a reordering request of a current user for the ordered payable list; and performing real-time sequencing on the payable list according to the reordering request. In this way, the re-arrangement of the payment modes can be realized, so that the user can deal with some payment modes needing to be temporarily switched to be used.
Further, in this embodiment, the step of correspondingly sorting the payable list according to the historical payment habit information may further include: and shielding the payment modes which do not accord with the payment habits of the current user in the payable list according to the historical payment habit information.
In this embodiment, after the step of prompting the payable list by the payment front end for performing personalized payment, the method further includes: and judging whether the payment result of the current user for carrying out personalized payment is successful, if not, prompting to switch the payment mode and/or popping up a payable list for switching. By the mode, the final payment function can be ensured to be stably carried out, and the condition that payment cannot be carried out is avoided.
The method and the device can provide one or more payment modes capable of supporting use according to the current environment information, so that a user can conveniently carry out self-defined payment, a payment list is managed, and the user experience is improved.
Referring to fig. 2, fig. 2 is a schematic block diagram of a payment processing apparatus according to the present application, where the payment processing apparatus may be applied to a payment front end of a mobile phone, a tablet computer, and the like, and the payment processing apparatus may specifically include an initiating module 21, an obtaining module 22, and a display module 23.
The initiating module 21 of this embodiment may be configured to initiate a payment method request to a backend application programming interface API when payment is needed, where the payment method request carries current environment information; the obtaining module 22 may be configured to obtain a payable list returned by the back-end API according to the payment method request, where the back-end API obtains the corresponding payable list from a preset configuration database according to the current environment information; the display module 23 may be configured to prompt the payable list for personalized payment.
It should be noted that, in this embodiment, multiple payment methods including wechat, pay pal, unionpay, and the like that are used in mainstream can be integrally supported, and in addition, the payment method of accessing the partner can be customized very conveniently, for example, an independent cash desk can be set to be embedded in the APP of the partner, and management of multiple wechat and pay pal merchants can be supported at the same time, routing of the payment method can be performed conveniently, and when one merchant is unavailable, the payment method can be switched to the payment method of other available merchants conveniently, and then the payment interface is pulled up by the available merchant to perform payment, so that stability and availability of the payment channel are ensured. In addition, the present embodiment may perform configuration management of the payment method in the background, and maintain the relevant payment configuration information.
It should be mentioned that the display module 23 of this embodiment can flexibly display the payment method, and can support different environments such as different partners, different payment sources, and web pages or APPs, so as to realize the display of the automatic switching payment method, and flexibly perform the on-shelf and off-shelf processing on the payment method. For example, the environment in the WeChat only shows the public number payment, the APP of the customer A only shows the payment treasure payment mode, the APP of the customer B only shows the WeChat payment, or some APPs only show the specific payment mode, so that the diversified requirements of the customer can be met.
In an embodiment, before the initiating module 21 initiates the payment method request to the backend application programming interface API, the method may further include: the obtaining module 22 obtains the current environment information of the self.
Specifically, the current environment information includes: APP type payment environment, browser type payment environment, and pop-up widget type payment environment. By the mode, different payment modes can be switched and used according to different payment environments, and convenience is brought to users.
Of course, in other embodiments, the current environment information includes: payment partner ID information, payment promotion source ID information, and payment environment security level information. By the method, different payment modes of different levels can be used according to different partner identities or security levels, and the security performance of payment is ensured.
In an embodiment, the display module 23 prompts the payable list, which specifically includes: the obtaining module 22 obtains historical payment habit information of a current user; the payment front end carries out corresponding sequencing on the payable list according to the historical payment habit information; the display module 23 prompts the sorted payable list to the current user. By the mode, different payment modes can be switched and used according to the payment history of the user, so that the method and the device are more in line with the operation habit of the user.
In some embodiments, after the display module 23 prompts the sorted payable list to the current user, the method may further include: the obtaining module 22 obtains a re-ordering request of the current user to the ordered payable list; the display module 23 sorts the payable list in real time according to the re-ordering request. In this way, the re-arrangement of the payment modes can be realized, so that the user can deal with some payment modes needing to be temporarily switched to be used.
Further, in this embodiment, the displaying module 23 correspondingly ranks the payable list according to the historical payment habit information, and may further include: the display module 23 performs shielding processing on the payment modes in the payable list, which do not conform to the payment habits of the current user, according to the historical payment habit information.
In this embodiment, the displaying module 23 prompts the payable list for personalized payment, and further includes: the payment front end judges whether the payment result of the current user for the personalized payment is successful, if the payment is not successful, the display module 23 prompts the payment mode switching and/or pops up a payable list for switching. By the mode, the final payment function can be ensured to be stably carried out, and the condition that payment cannot be carried out is avoided.
The method and the device can provide one or more payment modes capable of supporting use according to the current environment information, so that a user can conveniently carry out self-defined payment, a payment list is managed, and the user experience is improved.
Referring to fig. 3, fig. 3 is a schematic structural diagram of a computer device according to an embodiment of the present disclosure, where the computer device according to the embodiment may include a memory and a processor. The memory is used for storing a computer program; the processor is configured to execute the computer program and implement the payment method processing method according to the embodiment of fig. 1 when executing the computer program.
For example, when payment is needed, the processor initiates a payment method request to the backend application programming interface API, where the payment method request carries current environment information.
And the processor acquires a payable list returned by the back-end API according to the payment mode request, wherein the back-end API acquires the corresponding payable list from a preset configuration database according to the current environment information.
The processor prompts the payable list for personalized payment.
In this embodiment, the computer device may be a mobile phone, a tablet computer, or other smart wearable device.
It should be noted that, in this embodiment, multiple payment methods including wechat, pay pal, unionpay, and the like that are used in mainstream can be integrally supported, and in addition, the payment method of accessing the partner can be customized very conveniently, for example, an independent cash desk can be set to be embedded in the APP of the partner, and management of multiple wechat and pay pal merchants can be supported at the same time, routing of the payment method can be performed conveniently, and when one merchant is unavailable, the payment method can be switched to the payment method of other available merchants conveniently, and then the payment interface is pulled up by the available merchant to perform payment, so that stability and availability of the payment channel are ensured. In addition, the present embodiment may perform configuration management of the payment method in the background, and maintain the relevant payment configuration information.
It is worth mentioning that, this embodiment can show the payment mode in a flexible way, can support different environment such as different cooperators, different payer sources, webpage or APP, and realize the show of automatic switch payment mode, and can go on putting on the shelf processing to the payment mode in a flexible way. For example, the environment in the WeChat only shows the public number payment, the APP of the customer A only shows the payment treasure payment mode, the APP of the customer B only shows the WeChat payment, or some APPs only show the specific payment mode, so that the diversified requirements of the customer can be met.
In an embodiment, before the step of initiating the payment method request to the backend application programming interface API, the method further includes: the processor acquires the current environment information of the processor.
Specifically, the current environment information includes: APP type payment environment, browser type payment environment, and pop-up widget type payment environment. By the mode, different payment modes can be switched and used according to different payment environments, and convenience is brought to users.
Of course, in other embodiments, the current environment information includes: payment partner ID information, payment promotion source ID information, and payment environment security level information. By the method, different payment modes of different levels can be used according to different partner identities or security levels, and the security performance of payment is ensured.
In an embodiment, the step of prompting the payable list by the processor specifically includes: the processor acquires historical payment habit information of a current user; the processor correspondingly sorts the payable list according to the historical payment habit information; the processor prompts the sorted payable list to the current user. By the mode, different payment modes can be switched and used according to the payment history of the user, so that the method and the device are more in line with the operation habit of the user.
In some embodiments, after the step of prompting the sorted payable list to the current user, the processor may further include: the processor acquires a reordering request of a current user for the ordered payable list; and the processor carries out real-time sequencing on the payable list according to the reordering request. In this way, the re-arrangement of the payment modes can be realized, so that the user can deal with some payment modes needing to be temporarily switched to be used.
Further, in this embodiment, the processor correspondingly sorts the payable list according to the historical payment habit information, and may further include: and the processor shields the payment modes which do not accord with the payment habits of the current user in the payable list according to the historical payment habit information.
In this embodiment, after the step of prompting the payable list by the processor for performing personalized payment, the method further includes: the processor judges whether the payment result of the current user for the personalized payment is successful, and if the payment result is not successful, the processor prompts the switching of the payment mode and/or pops up a payable list for switching. By the mode, the final payment function can be ensured to be stably carried out, and the condition that payment cannot be carried out is avoided.
The method and the device can provide one or more payment modes capable of supporting use according to the current environment information, so that a user can conveniently carry out self-defined payment, a payment list is managed, and the user experience is improved.
The embodiment of the application further provides a computer-readable storage medium, wherein a computer program is stored in the computer-readable storage medium, the computer program comprises program instructions, and the processor executes the program instructions to realize any payment mode processing method provided by the embodiment of the application.
The computer-readable storage medium may be an internal storage unit of the computer device described in the foregoing embodiment, for example, a hard disk or a memory of the computer device. The computer readable storage medium may also be an external storage device of the computer device, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like provided on the computer device.
While the invention has been described with reference to specific embodiments, the scope of the invention is not limited thereto, and those skilled in the art can easily conceive various equivalent modifications or substitutions within the technical scope of the invention. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (11)
1. A payment method processing method is characterized by comprising the following steps:
when payment is needed, a payment front end initiates a payment mode request to a backend Application Programming Interface (API), wherein the payment mode request carries current environment information;
acquiring a payable list returned by a back-end API according to the payment mode request, wherein the back-end API acquires the corresponding payable list from a preset configuration database according to the current environment information;
the payable list is prompted by the payment front end for personalized payment.
2. The payment method processing method of claim 1, wherein before the step of initiating a payment method request to a backend Application Programming Interface (API) by the payment front-end, the method further comprises:
the payment front end acquires the current environment information of the payment front end.
3. The payment form processing method of claim 2, wherein the current environment information comprises: APP type payment environment, browser type payment environment, and pop-up widget type payment environment.
4. The payment form processing method of claim 2, wherein the current environment information comprises: payment partner ID information, payment promotion source ID information, and payment environment security level information.
5. The payment method processing method according to any one of claims 1 to 4, wherein the step of prompting the payable list by the payment front end specifically comprises:
acquiring historical payment habit information of a current user;
sorting the payable list correspondingly according to the historical payment habit information;
and prompting the sorted payable list to the current user.
6. The payment method processing method of claim 5, wherein after the step of prompting the sorted payable list to the current user, further comprising:
acquiring a reordering request of a current user for the ordered payable list;
and performing real-time sequencing on the payable list according to the reordering request.
7. The payment method processing method of claim 5, wherein the step of correspondingly sorting the payable list according to the historical payment habit information further comprises:
and shielding the payment modes which do not accord with the payment habits of the current user in the payable list according to the historical payment habit information.
8. The payment method processing method of claim 1, wherein after the step of prompting the payable list by the payment front end for personalized payment, further comprising:
and judging whether the payment result of the current user for carrying out personalized payment is successful, if not, prompting to switch the payment mode and/or popping up a payable list for switching.
9. A payment method processing device is applied to a payment front end, and comprises the following steps:
the payment system comprises an initiating module, a payment processing module and a payment processing module, wherein the initiating module is used for initiating a payment mode request to a backend Application Programming Interface (API) when payment is needed, and the payment mode request carries current environment information;
the obtaining module is used for obtaining a payable list returned by a back-end API according to the payment mode request, wherein the back-end API obtains the corresponding payable list from a preset configuration database according to the current environment information;
and the display module is used for prompting the payable list for personalized payment.
10. A computer device, wherein the computer device comprises a memory and a processor;
the memory is used for storing a computer program;
the processor for executing the computer program and when executing the computer program implementing a payment means processing method comprising any one of claims 1 to 8.
11. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, causes the processor to implement a payment means processing method comprising any one of claims 1 to 8.
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| CN111008833A (en) * | 2019-11-29 | 2020-04-14 | 维沃移动通信有限公司 | Payment transaction method, payment terminal and computer readable storage medium |
| CN111429139A (en) * | 2020-03-27 | 2020-07-17 | 上海二三四五网络科技有限公司 | Control method and device for dynamically matching user payment mode selection |
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