CN112613868A - Payment mode integration realization method and device - Google Patents
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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- 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
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Abstract
The application discloses a payment mode integration realization method and device, wherein the method comprises the following steps: optional payment attributes for the goods are determined. And configuring the payment mode corresponding to each optional payment attribute. And receiving a selection request of a user for the target payment attribute, wherein the target payment attribute is any one of the selectable payment attributes. And determining a payment mode corresponding to the target payment attribute in response to the selection request of the target payment attribute. And calling an interface of the payment mode corresponding to the target payment attribute according to the payment mode corresponding to the target payment attribute so as to enable the user to complete payment. By the payment mode integration implementation method, optional payment attributes of the commodity can be flexibly configured, and the payment mode corresponding to the target payment attributes is recommended according to the target payment attributes selected by the user from the optional payment attributes of the commodity.
Description
Technical Field
The application relates to the technical field of computers, in particular to a payment mode integration realization method and device.
Background
With the continuous abundance of service scenes in the e-commerce platform, the e-commerce platform gradually provides a plurality of payment modes for users to select.
At present, in a bank-related e-commerce platform, in order to facilitate users, it is necessary to set a corresponding payment mode according to commodity attribute information and recommend the payment mode to the users.
Disclosure of Invention
In order to solve the technical problems, the application provides a method and a device for realizing integration of payment modes, and the corresponding payment modes are configured according to selectable payment attributes of commodities, so that the flexibility of commodity payment mode configuration is improved.
In order to achieve the above purpose, the technical solutions provided in the embodiments of the present application are as follows:
the embodiment of the application provides an integrated implementation method of a payment mode, which comprises the following steps:
determining selectable payment attributes for the goods;
configuring a payment mode corresponding to each optional payment attribute;
receiving a selection request of a user for a target payment attribute, wherein the target payment attribute is any one of the selectable payment attributes;
responding to the selection request of the target payment attribute, and determining a payment mode corresponding to the target payment attribute;
and calling an interface of the payment mode corresponding to the target payment attribute according to the payment mode corresponding to the target payment attribute so as to enable the user to complete payment.
Optionally, the configuring the payment method corresponding to each selectable payment attribute includes:
when the optional payment attribute is the staging attribute, configuring a payment mode according to the optional staging number, and when the staging number is 1 stage, configuring the payment mode corresponding to the staging attribute as a password keyboard payment mode; when the number of the installments is not 1, configuring the payment mode corresponding to the installments as an installments payment mode;
when the optional payment attribute is any one of a point plus cash attribute, a cash attribute and a fixed point plus cash attribute, configuring the payment mode as the password keyboard payment mode;
and when the optional payment attribute is the point attribute, configuring a payment mode corresponding to the point attribute as point redemption.
Optionally, the invoking, according to the payment method corresponding to the target payment attribute, an interface of the payment method corresponding to the target payment attribute to enable the user to complete payment includes:
when the payment mode corresponding to the target payment attribute is a staged payment mode, calling a page of the staged payment mode corresponding to the staged payment mode so that a user fills payment information in the page of the staged payment mode; the page of the staging payment mode is an interface of the staging payment mode;
and receiving a payment result sent by the page of the staged payment mode to finish payment.
Optionally, the invoking, according to the payment method corresponding to the target payment attribute, an interface of the payment method corresponding to the target payment attribute to enable the user to complete payment includes:
when the payment mode is a password keyboard payment mode, calling a page of the password payment mode corresponding to the password keyboard payment mode so that a user fills in a user password on the page of the password keyboard payment mode through a password keyboard;
receiving an encrypted user password sent by the page of the password keyboard payment mode;
and carrying out security verification on the encrypted user password, and completing payment after the verification is passed.
Optionally, the method further includes:
altering the selectable payment attributes for the goods.
The embodiment of the present application further provides a device for realizing integration of payment methods, and the device includes:
a first determination unit for determining selectable payment attributes of the goods;
the configuration unit is used for configuring the payment mode corresponding to each optional payment attribute;
a receiving unit, configured to receive a selection request of a user for a target payment attribute, where the target payment attribute is any one of the selectable payment attributes;
a second determining unit, configured to determine, in response to the request for selecting the target payment attribute, a payment method corresponding to the target payment attribute;
and the calling unit is used for calling an interface of the payment mode corresponding to the target payment attribute according to the payment mode corresponding to the target payment attribute so as to enable the user to complete payment.
Optionally, the configuration unit includes:
the first configuration subunit is configured to configure a payment mode according to the selectable installment number when the selectable payment attribute is the installment attribute, and configure a payment mode corresponding to the installment attribute as a password keyboard payment mode when the installment number is 1; when the number of the installments is not 1, configuring the payment mode corresponding to the installments as an installments payment mode;
the second configuration subunit is configured to configure the payment mode as the password keyboard payment mode when the selectable payment attribute is any one of a point plus cash attribute, a cash attribute and a fixed point plus cash attribute;
and the third configuration subunit is used for configuring the payment mode corresponding to the point attribute as point exchange when the optional payment attribute is the point attribute.
Optionally, the invoking unit includes:
the first calling subunit is used for calling a page of the staged payment mode corresponding to the staged payment mode when the payment mode corresponding to the target payment attribute is the staged payment mode so as to enable a user to fill in payment information on the page of the staged payment mode; the page of the staging payment mode is an interface of the staging payment mode;
and the first receiving subunit is used for receiving the payment result sent by the page of the staged payment mode and finishing payment.
Optionally, the invoking unit includes:
the second calling subunit is used for calling a page of the password payment mode corresponding to the password keyboard payment mode when the payment mode is the password keyboard payment mode so as to enable a user to fill in a user password on the page of the password keyboard payment mode through a password keyboard;
the second receiving subunit is used for receiving the encrypted user password sent by the page of the password keyboard payment mode;
and the verifying subunit is used for performing security verification on the encrypted user password and completing payment after the verification is passed.
Optionally, the apparatus further comprises:
and a changing unit for changing the selectable payment attribute of the commodity.
According to the technical scheme, the method has the following beneficial effects:
the embodiment of the application provides a payment mode integration realization method and a payment mode integration realization device, wherein the method comprises the following steps: optional payment attributes for the goods are determined. And configuring the payment mode corresponding to each optional payment attribute. And receiving a selection request of a user for the target payment attribute, wherein the target payment attribute is any one of the selectable payment attributes. And determining a payment mode corresponding to the target payment attribute in response to the selection request of the target payment attribute. And calling an interface of the payment mode corresponding to the target payment attribute according to the payment mode corresponding to the target payment attribute so as to enable the user to complete payment. By the payment mode integration implementation method provided by the embodiment of the application, the selectable payment attributes of the commodity can be flexibly configured, and the payment mode corresponding to the target payment attributes is recommended according to the target payment attributes selected by the user from the selectable payment attributes of the commodity.
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In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be 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 flowchart of an integrated implementation method of a payment method according to an embodiment of the present application;
fig. 2 is a schematic diagram of an application scenario of an installment method provided in an embodiment of the present application;
fig. 3 is a flowchart of an integrated implementation apparatus for a payment method according to an embodiment of the present application.
Detailed Description
In order to make the aforementioned objects, features and advantages of the present application more comprehensible, embodiments accompanying the drawings are described in detail below.
Referring to fig. 1, fig. 1 is a flowchart of an integrated implementation method of a payment method according to an embodiment of the present application. As an example, the method is applied to an e-commerce platform. As shown in fig. 1, the method may include S101-S105:
s101: optional payment attributes for the goods are determined.
The e-commerce platform determines optional payment attributes for the goods. Specifically, the selectable payment attributes of the commodities are determined according to the difference of the commodities. The selectable payment attributes of the commodity are a stage attribute, a point and cash attribute, a fixed point and cash attribute and a point attribute. Specifically, the staging attribute is that the user purchases the commodity in a staging payment mode. The point and cash attribute is that the user deducts partial cash by account points according to the proportion configured by the management end, and pays the residual amount of the commodity by account cash balance. The cash attribute is that the user purchases the item only in the account cash balance. The fixed point plus cash attribute pays a fixed point number and a fixed cash amount for the user to purchase the item. The point attribute is that the user only exchanges the point of the account for the commodity.
The term attribute includes a term attribute, specifically, a term is also selected when the term payment mode is selected.
S102: and configuring the payment mode corresponding to each optional payment attribute.
And the e-commerce platform configures a payment mode corresponding to each optional payment attribute according to different optional payment attributes of the commodity.
Specifically, when the selectable payment attribute is the staging attribute, a payment mode is configured according to the selectable staging number, and when the staging number is 1 stage, the payment mode corresponding to the staging attribute is configured to be a password keyboard payment mode; when the number of the installments is not 1, configuring a payment mode corresponding to the installments as an installments payment mode;
when the optional payment attribute is any one of the integral cash attribute, the cash attribute and the fixed integral cash attribute, configuring the payment mode as a password keyboard payment mode;
and when the optional payment attribute is the point attribute, configuring the payment mode corresponding to the point attribute as point exchange.
As an example, the installment payment method is fast e payment. As an example, the password keyboard payment method is a chinese Financial authentication Authority (CFCA) password keyboard payment method.
S103: and receiving a selection request of a user for the target payment attribute, wherein the target payment attribute is any one of the selectable payment attributes.
The electronic commerce platform receives a selection request of a user, the selection request of the user is to select the selectable payment attributes, and the target payment attributes are determined from the selectable payment attributes. For example, the user determines the target payment attribute to be an installment attribute.
The user is a buyer of the product.
S104: and determining a payment mode corresponding to the target payment attribute in response to the selection request of the target payment attribute.
And the e-commerce platform responds to the selection request of the target payment attribute and determines the payment mode corresponding to the target payment attribute. For example, when the target payment attribute selected by the user is an installment attribute, an installment payment mode corresponding to the installment is determined.
S105: and calling an interface of the payment mode corresponding to the target payment attribute according to the payment mode corresponding to the target payment attribute so as to enable the user to complete payment.
And when the payment mode corresponding to the target payment attribute is determined, the e-commerce platform calls an interface of the payment mode corresponding to the target payment attribute so as to enable the user to complete payment.
On one hand, in specific implementation, invoking an interface of a payment mode corresponding to the target payment attribute according to the payment mode corresponding to the target payment attribute so as to enable the user to complete payment, including:
when the payment mode corresponding to the target payment attribute is the staged payment mode, calling a page of the staged payment mode corresponding to the staged payment mode so that the user fills in payment information on the page of the staged payment mode; the page of the staged payment mode is an interface of the staged payment mode;
and receiving a payment result sent by the page of the staged payment mode to finish payment.
As an example, as shown in fig. 2, fig. 2 is a schematic view of an application scenario of an installment method provided in an embodiment of the present application. The application scenario includes an E-commerce platform, a quick-pay page and a business-pay. The fast e payment page is a page in a staged payment mode. When a user purchases a commodity, the user views the selectable payment attributes of the commodity, determines to select the staging attributes and submits an order. And the E-commerce platform sends the order information to the business E payment, and the business E payment returns the order number to the E-commerce platform. When a commodity order is paid, the E-commerce platform directly calls a payment page of fast E-payment, and the payment page of fast E-payment inquires and acquires order information from a business E-payment. And then, the e-commerce platform prompts the user to fill in the payment information. And after the user fills in the payment information on the payment page of the fast E-payment, submitting the payment information of the user to the business E-payment. And displaying the payment result to a payment page of the quick E payment by the E payment and informing the electronic commerce platform. After the payment is successful, the business E pays and asynchronously informs the electronic commerce platform to change the order state. The settlement of the commodity payment, the settlement of the card issuing bank and the periodic commission payment of the acquirer bank are realized by the payment of the merchant e. After the commodity order confirms the receipt, the commodity order informs the merchant E of completing the fund settlement through the installments delay instruction payment. And the business E payment returns the related order resolving information to the electronic commerce platform.
On the other hand, in specific implementation, invoking an interface of a payment method corresponding to the target payment attribute according to the payment method corresponding to the target payment attribute so as to enable the user to complete payment, including:
when the payment mode is the password keyboard payment mode, calling a page of the password payment mode corresponding to the password keyboard payment mode so that a user fills in a user password on the page of the password keyboard payment mode through a password keyboard;
receiving an encrypted user password sent by a page of a password keyboard payment mode;
and carrying out security verification on the encrypted user password, and completing payment after the verification is passed.
It should be noted that, the CFCA password keyboard interacts with the user to ensure the security of data, and the encryption process of the CFCA password keyboard is a black box. In particular, the implementation can be based on the Boeing system as an example.
In addition, when the optional payment attribute of the commodity needs to be changed, the optional payment attribute of the commodity is changed. Specifically, the selectable payment attributes of the goods are changed in response to a change request of the merchant. Wherein, the change request comprises the optional payment attribute to be changed by the commodity.
It should be noted that the method for implementing integration of payment methods provided by the embodiment of the present application may be implemented through different channels. Such as WeChat applet, palm silver, etc. According to the method for integrating the payment modes, the payment modes corresponding to the optional payment attributes are configured according to the different optional payment attributes of the commodities, the flexibility of configuration of the commodity payment modes is improved, and the purpose of guiding and standing current for an e-commerce platform can be achieved.
By the integration implementation method of the payment modes, the optional payment attributes of the commodities are determined. And configuring the payment mode corresponding to each optional payment attribute. And receiving a selection request of a user for the target payment attribute, wherein the target payment attribute is any one of the selectable payment attributes. And determining a payment mode corresponding to the target payment attribute in response to the selection request of the target payment attribute. And calling an interface of the payment mode corresponding to the target payment attribute according to the payment mode corresponding to the target payment attribute so as to enable the user to complete payment. By the method, the optional payment attributes of the commodity can be flexibly configured, and the payment mode corresponding to the target payment attributes is recommended according to the target payment attributes selected by the user from the optional payment attributes of the commodity.
Referring to fig. 3, fig. 3 is a schematic view of an integrated implementation apparatus of a payment method according to an embodiment of the present application. The apparatus may include:
a first determining unit 301, configured to determine selectable payment attributes of the goods;
a configuration unit 302, configured to configure a payment method corresponding to each of the selectable payment attributes;
a receiving unit 303, configured to receive a selection request of a user for a target payment attribute, where the target payment attribute is any one of the selectable payment attributes;
a second determining unit 304, configured to determine, in response to the request for selecting the target payment attribute, a payment method corresponding to the target payment attribute;
the invoking unit 305 is configured to invoke an interface of a payment method corresponding to the target payment attribute according to the payment method corresponding to the target payment attribute, so that the user completes payment.
Optionally, in some implementations of this embodiment, the configuration unit 302 includes:
the first configuration subunit is configured to configure a payment mode according to the selectable installment number when the selectable payment attribute is the installment attribute, and configure a payment mode corresponding to the installment attribute as a password keyboard payment mode when the installment number is 1; when the number of the installments is not 1, configuring the payment mode corresponding to the installments as an installments payment mode;
the second configuration subunit is used for configuring the payment mode as a password keyboard payment mode when the optional payment attribute is any one of a point cash attribute, a cash attribute and a fixed point cash attribute;
and the third configuration subunit is used for configuring the payment mode corresponding to the point attribute as point exchange when the optional payment attribute is the point attribute.
Optionally, in some implementations of this embodiment, the invoking unit 305 includes:
the first calling subunit is used for calling a page of the staged payment mode corresponding to the staged payment mode when the payment mode corresponding to the target payment attribute is the staged payment mode so as to enable a user to fill in payment information on the page of the staged payment mode; the page of the staging payment mode is an interface of the staging payment mode;
and the first receiving subunit is used for receiving the payment result sent by the page of the staged payment mode and finishing payment.
Optionally, in some implementations of this embodiment, the invoking unit 305 includes:
the second calling subunit is used for calling a page of the password payment mode corresponding to the password keyboard payment mode when the payment mode is the password keyboard payment mode so as to enable a user to fill in a user password on the page of the password keyboard payment mode through a password keyboard;
the second receiving subunit is used for receiving the encrypted user password sent by the page of the password keyboard payment mode;
and the verifying subunit is used for performing security verification on the encrypted user password and completing payment after the verification is passed.
Optionally, in some implementations of this embodiment, the apparatus further includes:
and a changing unit for changing the selectable payment attribute of the commodity.
By the payment mode integration implementation device provided by the embodiment of the application, the optional payment attribute of the commodity is determined. And configuring the payment mode corresponding to each optional payment attribute. And receiving a selection request of a user for the target payment attribute, wherein the target payment attribute is any one of the selectable payment attributes. And determining a payment mode corresponding to the target payment attribute in response to the selection request of the target payment attribute. And calling an interface of the payment mode corresponding to the target payment attribute according to the payment mode corresponding to the target payment attribute so as to enable the user to complete payment. By the device, the selectable payment attributes of the commodity can be flexibly configured, and the payment mode corresponding to the target payment attributes is recommended according to the target payment attributes selected by the user from the selectable payment attributes of the commodity.
It should be noted that, in the present specification, the embodiments are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. The method disclosed by the embodiment corresponds to the system disclosed by the embodiment, so that the description is simple, and the relevant points can be referred to the system part for description.
It should also be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A payment mode integration realization method is characterized by comprising the following steps:
determining selectable payment attributes for the goods;
configuring a payment mode corresponding to each optional payment attribute;
receiving a selection request of a user for a target payment attribute, wherein the target payment attribute is any one of the selectable payment attributes;
responding to the selection request of the target payment attribute, and determining a payment mode corresponding to the target payment attribute;
and calling an interface of the payment mode corresponding to the target payment attribute according to the payment mode corresponding to the target payment attribute so as to enable the user to complete payment.
2. The method of claim 1, wherein the configuring the payment method corresponding to each of the selectable payment attributes comprises:
when the optional payment attribute is the staging attribute, configuring a payment mode according to the optional staging number, and when the staging number is 1 stage, configuring the payment mode corresponding to the staging attribute as a password keyboard payment mode; when the number of the installments is not 1, configuring the payment mode corresponding to the installments as an installments payment mode;
when the optional payment attribute is any one of a point plus cash attribute, a cash attribute and a fixed point plus cash attribute, configuring the payment mode as the password keyboard payment mode;
and when the optional payment attribute is the point attribute, configuring a payment mode corresponding to the point attribute as point redemption.
3. The method of claim 2, wherein invoking an interface of a payment method corresponding to the target payment attribute according to the payment method corresponding to the target payment attribute to enable the user to complete payment comprises:
when the payment mode corresponding to the target payment attribute is a staged payment mode, calling a page of the staged payment mode corresponding to the staged payment mode so that a user fills payment information in the page of the staged payment mode; the page of the staging payment mode is an interface of the staging payment mode;
and receiving a payment result sent by the page of the staged payment mode to finish payment.
4. The method of claim 2, wherein invoking an interface of a payment method corresponding to the target payment attribute according to the payment method corresponding to the target payment attribute to enable the user to complete payment comprises:
when the payment mode is a password keyboard payment mode, calling a page of the password payment mode corresponding to the password keyboard payment mode so that a user fills in a user password on the page of the password keyboard payment mode through a password keyboard;
receiving an encrypted user password sent by the page of the password keyboard payment mode;
and carrying out security verification on the encrypted user password, and completing payment after the verification is passed.
5. The method of claim 1, further comprising:
altering the selectable payment attributes for the goods.
6. An integrated implementation device of payment modes, the device comprising:
a first determination unit for determining selectable payment attributes of the goods;
the configuration unit is used for configuring the payment mode corresponding to each optional payment attribute;
a receiving unit, configured to receive a selection request of a user for a target payment attribute, where the target payment attribute is any one of the selectable payment attributes;
a second determining unit, configured to determine, in response to the request for selecting the target payment attribute, a payment method corresponding to the target payment attribute;
and the calling unit is used for calling an interface of the payment mode corresponding to the target payment attribute according to the payment mode corresponding to the target payment attribute so as to enable the user to complete payment.
7. The apparatus of claim 6, wherein the configuration unit comprises:
the first configuration subunit is configured to configure a payment mode according to the selectable installment number when the selectable payment attribute is the installment attribute, and configure a payment mode corresponding to the installment attribute as a password keyboard payment mode when the installment number is 1; when the number of the installments is not 1, configuring the payment mode corresponding to the installments as an installments payment mode;
the second configuration subunit is configured to configure the payment mode as the password keyboard payment mode when the selectable payment attribute is any one of a point plus cash attribute, a cash attribute and a fixed point plus cash attribute;
and the third configuration subunit is used for configuring the payment mode corresponding to the point attribute as point exchange when the optional payment attribute is the point attribute.
8. The apparatus of claim 7, wherein the invoking unit comprises:
the first calling subunit is used for calling a page of the staged payment mode corresponding to the staged payment mode when the payment mode corresponding to the target payment attribute is the staged payment mode so as to enable a user to fill in payment information on the page of the staged payment mode; the page of the staging payment mode is an interface of the staging payment mode;
and the first receiving subunit is used for receiving the payment result sent by the page of the staged payment mode and finishing payment.
9. The apparatus of claim 7, wherein the invoking unit comprises:
the second calling subunit is used for calling a page of the password payment mode corresponding to the password keyboard payment mode when the payment mode is the password keyboard payment mode so as to enable a user to fill in a user password on the page of the password keyboard payment mode through a password keyboard;
the second receiving subunit is used for receiving the encrypted user password sent by the page of the password keyboard payment mode;
and the verifying subunit is used for performing security verification on the encrypted user password and completing payment after the verification is passed.
10. The apparatus of claim 6, further comprising:
and a changing unit for changing the selectable payment attribute of the commodity.
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