CN113112263A - Payment mode display method and device, server and storage medium - Google Patents
Payment mode display method and device, server and storage medium Download PDFInfo
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Abstract
The embodiment of the invention discloses a method, a device, a server and a storage medium for displaying a payment mode, wherein the method comprises the following steps: when a repayment application of a user is acquired, acquiring transaction information of the repayment application; wherein the transaction information includes a payment type and/or a fund provider; acquiring at least one matched alternative payment mode according to the transaction information of the repayment application; acquiring a target payment mode from the at least one alternative payment mode according to the channel payment ratio and the channel payment ratio threshold of the at least one alternative payment mode; and displaying the target payment mode to the user. According to the technical scheme of the embodiment of the invention, the personalized recommendation of the payment mode is provided for the user according to the transaction information of the repayment application, the user is guided to select the recommended payment mode, and the transaction process of the subsequent repayment transaction with the fund provider is simplified.
Description
Technical Field
The embodiment of the invention relates to electronic commerce and internet finance, in particular to a payment mode display method, a payment mode display device, a server and a storage medium.
Background
With the continuous progress of science and technology, the internet financial industry is developed vigorously, and with the change of the consumption concept of people, the loan transaction through the network also becomes a common fund turnover mode for people.
When a user applies for repayment, the e-commerce platform needs to recommend a payment mode for repayment to the user among a plurality of payment modes for the user to select.
The existing payment recommendation method is usually preset by an operator according to historical experience, has low recommendation accuracy and poor recommendation effect, is relatively fixed for a long time based on business requirements, and is integrated in a program code of an application program, and the program code needs to be modified and reissued in a version updating manner every time the recommended payment method is modified, so that the user experience is poor.
Disclosure of Invention
The embodiment of the invention provides a payment mode display method, a payment mode display device, a server and a storage medium, and aims to recommend a matched payment mode to a user according to transaction information of a payment application.
In a first aspect, an embodiment of the present invention provides a method for displaying a payment method, including:
when a repayment application of a user is acquired, acquiring transaction information of the repayment application; wherein the transaction information includes a payment type and/or a fund provider;
acquiring at least one matched alternative payment mode according to the transaction information of the repayment application;
acquiring a target payment mode from the at least one alternative payment mode according to the channel payment ratio and the channel payment ratio threshold of the at least one alternative payment mode;
and displaying the target payment mode to the user.
In a second aspect, an embodiment of the present invention provides a display device for a payment method, including:
the transaction information acquisition module is used for acquiring transaction information of a repayment application when the repayment application of a user is acquired; wherein the transaction information includes a payment type and/or a fund provider;
the alternative payment mode acquisition module is used for acquiring at least one matched alternative payment mode according to the transaction information of the repayment application;
the target payment mode acquisition module is used for acquiring a target payment mode from at least one alternative payment mode according to a channel payment ratio and a channel payment ratio threshold of the at least one alternative payment mode;
and the display execution module is used for displaying the target payment mode to the user.
In a third aspect, an embodiment of the present invention further provides a server, where the server includes:
one or more processors;
storage means for storing one or more programs;
when the one or more programs are executed by the one or more processors, the one or more processors implement the method for presenting a payment method according to any embodiment of the present invention.
In a fourth aspect, an embodiment of the present invention further provides a storage medium containing computer-executable instructions, where the computer-executable instructions, when executed by a computer processor, implement the method for displaying a payment method according to any embodiment of the present invention.
According to the technical scheme of the embodiment of the invention, when a repayment application of a user is obtained, at least one matched alternative payment mode is obtained according to the repayment type and/or the fund provider of the repayment application, a target payment mode is obtained according to the channel payment proportion of the alternative payment mode and the channel payment proportion threshold value, and then the target payment mode is displayed to the user, so that personalized recommendation of the payment mode is provided for the user according to transaction information of the repayment application, the user is guided to select the recommended payment mode, the subsequent transaction flow of the repayment transaction with the fund provider is simplified by an e-commerce platform, meanwhile, the recommended payment mode is prevented from being written into the program code of an application program, the modification process of the program code is reduced, and the time cost and the labor cost are saved.
Drawings
Fig. 1 is a flowchart of a method for displaying a payment method according to an embodiment of the present invention;
fig. 2 is a block diagram of a payment method display device according to a second embodiment of the present invention;
fig. 3 is a block diagram of a server according to a third embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some of the structures related to the present invention are shown in the drawings, not all of the structures.
Example one
Fig. 1 is a flowchart of a method for displaying payment manners according to an embodiment of the present invention, where the present embodiment is suitable for displaying available payment manners to a user according to a payment application of the user to guide the user to select a corresponding payment manner to complete payment, and the apparatus may be implemented by software and/or hardware and integrated in an electronic device, and typically, may be integrated in a server of an e-commerce platform, and the method specifically includes the following steps:
s110, when a payment application of a user is obtained, obtaining transaction information of the payment application; wherein the transaction information includes a payment type and/or a fund provider.
The repayment application can be that the user directly submits fund borrowing to the financial institution through the e-commerce platform, and after obtaining the borrowing fund, the repayment action of repayment is provided to the financial institution through the e-commerce platform; or the user can borrow money generated by adopting an installments payment mode when purchasing goods or services through the e-commerce platform, and the user provides a repayment behavior for the financial institution through the e-commerce platform aiming at the borrowing, namely the user indirectly obtains loan funds provided by the financial institution.
The repayment type can represent the service type of the repayment application, for example, the repayment for the third party payment platform bill closing transaction, the repayment for the current e-commerce platform membership card recharging service and the like, and can also represent the identity information of the repayment person, for example, the repayment person can replace the repayment of other people and the repayment of the person, and specifically, the repayment type can be divided into the repayment of the single account period of the other people, the repayment of the multiple account period of the other people, the repayment of the single account period of the person and the repayment of the multiple account period of the person; the fund provider, namely each financial institution providing the fund, is also the final payee of the e-commerce platform after responding to the repayment application.
And S120, acquiring at least one matched alternative payment mode according to the transaction information of the repayment application.
For example, for payment in a bill closing transaction of a third party payment platform a, a user is recommended to use the third party payment platform a to complete the payment, so that the payment directly enters an account of the current e-commerce platform in the third party payment platform a, further, the current e-commerce platform completes subsequent payment transaction with a fund provider in the third party payment platform a, and the payment transaction process is simplified, therefore, the payment for the third party payment platform a can be realized by the payment method preconfigured for the payment type; and recommending the balance of the user in the account of the current e-commerce platform for payment aiming at the payment of the current e-commerce platform member recharging service, so that the account balance can be paid in a payment mode which is pre-configured for the payment type.
Clearing, that is, the difference of the accounts, for example, bank A pays bank B three billion yuan, bank B pays bank A two billion yuan, and after the two balance, the above-mentioned transactions are summarized as bank A paying bank B one billion yuan; in the embodiment of the invention, different fund providers have different account types in different financial institutions (including banks and third-party payment platforms), and the accounts may or may not support clearing, so that according to whether the accounts in different financial institutions support clearing or not, a matched payment mode, namely a second payment mode, is set for each fund provider in advance; for example, the fund provider a supports credit clearing for accounts in the bank a, the bank B and the third party payment platform a, and does not support credit clearing for accounts in other financial institutions, so that the bank card payment of the bank a, the bank card payment of the bank B and the third party payment platform a are used as matched payment modes for the repayment application of the fund provider a; and the fund provider B supports the clearing of accounts in the bank A, the bank C and the third-party payment platform B, and does not support the clearing of accounts in other financial institutions, so that the bank card payment of the bank A, the bank card payment of the bank C and the third-party payment platform B are used as matched payment modes for repayment application of the fund provider B.
After the transaction information of the repayment application is acquired, a payment mode corresponding to a party with a higher priority, namely a first payment mode or a second payment mode, can be selected as an alternative payment mode according to a preset repayment type and the priority of a fund provider; the union of the first payment mode and the second payment mode can also be used as an alternative payment mode, so that all payment modes with high association degree with the repayment application are added into the alternative payment mode, the comprehensiveness of the alternative payment modes is ensured, and the omission of the payment modes is avoided.
Optionally, in an embodiment of the present invention, if the transaction information includes a payment type and a fund provider, the obtaining, according to the transaction information of the payment application, at least one matched alternative payment method includes: acquiring at least one first payment mode configured in advance according to the payment type of the payment application; acquiring at least one matched second payment mode according to the liquidation mode supported by the fund provider; and taking the intersection of the at least one first payment mode and the at least one second payment mode as an alternative payment mode. The intersection of the first payment mode and the second payment mode is used as an alternative payment mode, so that the obtained alternative payment mode not only accords with the payment mode which is configured in advance under the repayment type, but also enables the current e-commerce platform to carry out fund settlement with a fund provider in a clearing mode, the fund transaction process is simplified, and the fund transaction cost is reduced.
S130, obtaining a target payment mode from the at least one alternative payment mode according to the channel payment ratio and the channel payment ratio threshold of the at least one alternative payment mode.
The channel payment proportion can be the proportion of the channel of the current payment mode in all payment behaviors (namely bank card payment, third-party payment platform payment and account balance payment); the channel comprises a bank card, a third party payment platform and account balance; for example, if the current payment mode is bank card payment of bank a, it is obvious that the channel of the payment mode is the bank card, and the payment ratio of the channel of the bank card payment of bank a is the ratio of the bank card payment in all payment behaviors, for example, at the current moment, the ratio of the bank card payment behaviors in all payment behaviors is 20%; correspondingly, the channel payment proportion threshold is preset, the channel of the current payment mode has the maximum proportion in all payment behaviors, and the function of the channel payment proportion threshold is to avoid that the proportion of each channel in all payment behaviors is too large, so that the transaction channel of the e-commerce platform is too single; if the channel payment occupation ratio of the channel is more than or equal to the channel payment occupation ratio threshold value, correspondingly, all payment modes under the channel cannot be used as target payment modes; if the channel payment occupation ratio of the channel is smaller than the channel payment occupation ratio threshold, correspondingly, all payment modes under the channel can be used as target payment modes.
The channel payment proportion can also be the proportion of the current payment mode in the channel; for example, the current payment mode is payment of a third-party payment platform A, the third-party payment platform A pays at the current moment in the affiliated channel, namely payment of the third-party payment platform, and the proportion of the payment behaviors of all the third-party payment platforms is 20%; correspondingly, the channel payment proportion threshold is preset, and the maximum value of the proportion of the current payment mode in the channel is used for avoiding that the payment mode in the channel is too single due to the fact that the proportion of each payment mode in the channel is too large; if the channel payment proportion of the payment mode is larger than or equal to the channel payment proportion threshold value, the payment mode cannot be used as a target payment mode; if the channel payment proportion of the payment mode is smaller than the channel payment proportion threshold value, the payment mode can be used as a target payment mode; in particular, in the embodiment of the present invention, the channel payment ratio at the current time can be obtained through the rules engine QLExpress.
Optionally, in this embodiment of the present invention, if the alternative payment means includes at least one bank card, before obtaining a target payment means in the at least one alternative payment means according to a channel payment duty of the at least one alternative payment means and a channel payment duty threshold, the method includes: acquiring an available bank card from the at least one bank card according to the authentication information of the user, the limit information of the bank card and/or the type of the bank card; the bank card type comprises an inventory bank card and/or a non-inventory bank card; the acquiring a target payment mode from the at least one alternative payment mode according to the channel payment ratio and the channel payment ratio threshold of the at least one alternative payment mode comprises the following steps: and acquiring a target bank card from the available bank card according to the channel payment proportion of the available bank card and a channel payment proportion threshold value, and adding the target bank card into a target payment mode.
Specifically, by judging whether the authentication information of the user is valid, whether the limit information of the bank card bound by the user is greater than or equal to the repayment amount of the time, and whether the bank card bound by the user supports screening rules such as credit clearing, available bank cards can be determined in the at least one bank card; for example, the authentication information of the user is valid, the limit information of the bank card bound by the user is greater than or equal to the repayment amount, the bank cards bound by the user support clearing and are jointly used as screening conditions, the bank cards meeting the screening conditions are used as available bank cards, and then the target bank card is obtained according to the available bank cards, the channel payment proportion in the channel and the channel payment proportion threshold value.
Optionally, in this embodiment of the present invention, if the alternative payment means includes at least one third party payment platform, before obtaining the target payment means in the at least one alternative payment means according to the channel payment duty of the at least one alternative payment means and the channel payment duty threshold, the method includes: acquiring available third party payment platforms from the at least one third party payment platform according to the quota information of the third party payment platform; the acquiring a target payment mode from the at least one alternative payment mode according to the channel payment ratio and the channel payment ratio threshold of the at least one alternative payment mode comprises the following steps: and acquiring a target third-party payment platform from the available third-party payment platform according to the channel payment proportion of the available third-party payment platform and a channel payment proportion threshold value, and adding the target third-party payment platform into a target payment mode.
Specifically, the limit information of the third party payment platform is larger than or equal to the repayment amount of the time and serves as a screening condition, the third party payment platform meeting the screening condition is obtained and serves as an available third party payment platform, and then the target third party payment platform is obtained according to the channel payment proportion and the channel payment proportion threshold value of the available third party payment platform in the channel to which the third party payment platform belongs.
Optionally, in this embodiment of the present invention, if the alternative payment means includes an account balance, before obtaining a target payment means in the at least one alternative payment means according to a channel payment proportion of the at least one alternative payment means and a channel payment proportion threshold, the method includes: judging whether the account balance of the user is available according to the account balance authority information and/or the account balance quota information of the user; the acquiring a target payment mode from the at least one alternative payment mode according to the channel payment ratio and the channel payment ratio threshold of the at least one alternative payment mode comprises the following steps: and if the account balance of the user is determined to be available, determining whether to add the account balance into a target payment mode according to the channel payment proportion of the account balance and a channel payment proportion threshold value.
Specifically, whether the account balance of the user is available is judged by judging whether the user opens the account balance and whether the limit information of the account balance is more than or equal to the repayment amount; for example, the account balance of the user is opened, the limit information of the account balance is larger than or equal to the repayment amount, the limit information of the account balance and the repayment amount are used as screening conditions together, if the screening conditions are met, the account balance of the user is judged to be available, and whether the account balance is added into a target payment mode or not is judged according to channel payment proportion and channel payment proportion threshold values in the payment behaviors of all channels for account balance payment.
And S140, displaying the target payment mode to the user.
Preferentially displaying the target payment modes to the user so as to guide the user to select a matched payment mode from the target payment modes; for other payment modes except the target payment mode, the non-realization but the non-optimal payment selection is not beneficial to the subsequent fund transaction between the e-commerce platform and the fund provider, so that the subsequent fund transaction can be displayed after the target payment mode or not.
Optionally, in an embodiment of the present invention, before displaying the target payment method to the user, the method includes: sequencing the target payment modes according to a preset sequencing rule; the displaying the target payment mode to the user comprises: and displaying the target payment modes after the sequencing is completed to the user. The display priority of each payment mode can be preset through experience values, after the target payment mode is obtained, if the target payment mode comprises a plurality of payment modes, the payment modes are sorted according to the preset priority, and the higher the priority is, the higher the sorting is.
Optionally, in an embodiment of the present invention, before displaying the target payment method to the user, the method includes: adjusting the target payment mode according to a preset adjustment rule; the preset adjustment rules comprise a forced display rule, a forced hiding rule, a bank card adding guide rule, an account balance opening guide rule and/or a case adding rule; the displaying the target payment mode to the user comprises: and displaying the adjusted target payment mode to the user. The mandatory display rule is to enforce the insertion of a specific payment method into a target payment method, including a specific insertion position, for example, the mandatory display rule is inserted into the forefront of the target payment method, so that the target payment method necessarily includes the specific payment method; the mandatory hiding rule is used for forcibly hiding a specific payment mode in a target payment mode so as to ensure that the specific payment mode is not included in the target payment mode; the bank card adding guide rule is that when the target payment mode does not include bank card payment or bank card payment of a specific bank, the bank card is guided to be added or the bank card of the specific bank is added as a display item, and the display item is added in the target payment mode to guide a user to complete bank card addition and pay payment through the bank card; the method comprises the steps that an account balance opening guiding rule is that when the target payment mode does not include account balance payment, guiding opening of the account balance is used as a display item and added into the target payment mode to guide a user to open the account balance and repayment is carried out through the account balance; the file adding rule is to add a recommendation description in the target payment mode to guide the user to select a specific payment mode.
Particularly, the target payment modes are adjusted according to a preset adjustment rule, before the target payment modes are sequenced according to a preset sequencing rule, or after the target payment modes are sequenced according to a preset sequencing rule, the target payment modes can be sequenced and adjusted according to the preset sequencing rule and the preset adjustment rule, so that the sequenced and adjusted target payment modes can be obtained.
According to the technical scheme of the embodiment of the invention, when a repayment application of a user is obtained, at least one matched alternative payment mode is obtained according to the repayment type and/or the fund provider of the repayment application, a target payment mode is obtained according to the channel payment proportion of the alternative payment mode and the channel payment proportion threshold value, and then the target payment mode is displayed to the user, so that personalized recommendation of the payment mode is provided for the user according to transaction information of the repayment application, the user is guided to select the recommended payment mode, the subsequent transaction flow of the repayment transaction with the fund provider is simplified by an e-commerce platform, meanwhile, the recommended payment mode is prevented from being written into the program code of an application program, the modification process of the program code is reduced, and the time cost and the labor cost are saved.
Example two
Fig. 2 is a block diagram of a display apparatus of a payment method according to a second embodiment of the present invention, where the apparatus specifically includes: a transaction information obtaining module 210, an alternative payment method obtaining module 220, a target payment method obtaining module 230 and a display executing module 240.
The transaction information acquiring module 210 is configured to acquire transaction information of a payment application when the payment application of a user is acquired; wherein the transaction information includes a payment type and/or a fund provider;
the alternative payment mode acquisition module 220 is configured to acquire at least one alternative payment mode matched with the transaction information of the repayment application;
a target payment method obtaining module 230, configured to obtain a target payment method in at least one alternative payment method according to a channel payment ratio of the at least one alternative payment method and a channel payment ratio threshold;
and a display execution module 240, configured to display the target payment method to the user.
According to the technical scheme of the embodiment of the invention, when a repayment application of a user is obtained, at least one matched alternative payment mode is obtained according to the repayment type and/or the fund provider of the repayment application, a target payment mode is obtained according to the channel payment proportion of the alternative payment mode and the channel payment proportion threshold value, and then the target payment mode is displayed to the user, so that personalized recommendation of the payment mode is provided for the user according to transaction information of the repayment application, the user is guided to select the recommended payment mode, the subsequent transaction flow of the repayment transaction with the fund provider is simplified by an e-commerce platform, meanwhile, the recommended payment mode is prevented from being written into the program code of an application program, the modification process of the program code is reduced, and the time cost and the labor cost are saved.
Optionally, on the basis of the above technical solution, if the transaction information includes a payment type and a fund provider, the alternative payment method obtaining module 220 specifically includes:
the payment system comprises a first payment mode acquisition unit, a payment processing unit and a payment processing unit, wherein the first payment mode acquisition unit is used for acquiring at least one first payment mode which is configured in advance according to the payment type of the payment application;
the second payment mode acquisition unit is used for acquiring at least one matched second payment mode according to the liquidation mode supported by the fund provider;
and the alternative payment mode acquisition unit is used for taking the intersection of the at least one first payment mode and the at least one second payment mode as an alternative payment mode.
Optionally, on the basis of the above technical solution, if the alternative payment method includes at least one bank card, the payment method display apparatus further includes:
the available bank card acquisition module is used for acquiring an available bank card from the at least one bank card according to the authentication information of the user, the limit information of the bank card and/or the type of the bank card; the bank card type comprises an inventory bank card and/or a non-inventory bank card.
Optionally, on the basis of the foregoing technical solution, the target payment manner obtaining module 230 is specifically configured to obtain a target bank card from the available bank card according to the channel payment proportion of the available bank card and the channel payment proportion threshold, and add the target bank card to the target payment manner.
Optionally, on the basis of the above technical solution, if the alternative payment method includes at least one third party payment platform, the payment method display apparatus further includes:
and the available third party payment platform acquisition module is used for acquiring the available third party payment platform from the at least one third party payment platform according to the third party payment platform quota information.
Optionally, on the basis of the foregoing technical solution, the target payment method obtaining module 230 is specifically configured to obtain the target third-party payment platform in the available third-party payment platform according to the channel payment proportion of the available third-party payment platform and the channel payment proportion threshold, and add the target third-party payment platform to the target payment method.
Optionally, on the basis of the above technical solution, if the alternative payment method includes an account balance, the payment method display apparatus further includes:
and the account balance judging module is used for judging whether the account balance of the user is available according to the account balance authority information and/or the account balance quota information of the user.
Optionally, on the basis of the above technical solution, the target payment method obtaining module 230 is specifically configured to determine whether to add the account balance to the target payment method according to a channel payment proportion of the account balance and a channel payment proportion threshold if it is determined that the account balance of the user is available.
Optionally, on the basis of the above technical solution, the display device for payment modes further includes:
and the sequencing execution module is used for sequencing the target payment modes according to a preset sequencing rule.
Optionally, on the basis of the above technical solution, the display execution module 240 is specifically configured to display the target payment method after the completion of the sorting to the user.
Optionally, on the basis of the above technical solution, the display device for payment modes further includes:
the adjustment execution module is used for adjusting the target payment mode according to a preset adjustment rule; the preset adjustment rules comprise a forced display rule, a forced hiding rule, a bank card adding guide rule, an account balance opening guide rule and/or a file adding rule.
Optionally, on the basis of the above technical solution, the display execution module 240 is specifically configured to display the adjusted target payment method to the user.
The device can execute the display method of the payment mode provided by any embodiment of the invention, and has corresponding functional modules and beneficial effects of the execution method. For technical details not described in detail in this embodiment, reference may be made to the method provided in any embodiment of the present invention.
EXAMPLE III
Fig. 3 is a schematic structural diagram of a server according to a third embodiment of the present invention. Fig. 3 illustrates a block diagram of an exemplary device 12 suitable for use in implementing embodiments of the present invention. The server 12 shown in fig. 3 is only an example, and should not bring any limitation to the function and the scope of use of the embodiment of the present invention.
As shown in FIG. 3, the server 12 is in the form of a general purpose computing device. The components of the server 12 may include, but are not limited to: one or more processors or processing units 16, a system memory 28, and a bus 18 that couples various system components including the system memory 28 and the processing unit 16.
The server 12 typically includes a variety of computer system readable media. Such media may be any available media that is accessible by server 12 and includes both volatile and nonvolatile media, removable and non-removable media.
The system memory 28 may include computer system readable media in the form of volatile memory, such as Random Access Memory (RAM)30 and/or cache memory 32. The server 12 may further include other removable/non-removable, volatile/nonvolatile computer system storage media. By way of example only, storage system 34 may be used to read from and write to non-removable, nonvolatile magnetic media (not shown in FIG. 3, and commonly referred to as a "hard drive"). Although not shown in FIG. 3, a magnetic disk drive for reading from and writing to a removable, nonvolatile magnetic disk (e.g., a "floppy disk") and an optical disk drive for reading from or writing to a removable, nonvolatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to bus 18 by one or more data media interfaces. System memory 28 may include at least one program product having a set (e.g., at least one) of program modules that are configured to carry out the functions of embodiments of the invention.
A program/utility 40 having a set (at least one) of program modules 42 may be stored, for example, in system memory 28, such program modules 42 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which examples or some combination thereof may comprise an implementation of a network environment. Program modules 42 generally carry out the functions and/or methodologies of the described embodiments of the invention.
The server 12 may also communicate with one or more external devices 14 (e.g., keyboard, pointing device, display 24, etc.), with one or more devices that enable a user to interact with the server 12, and/or with any devices (e.g., network card, modem, etc.) that enable the server 12 to communicate with one or more other computing devices. Such communication may be through an input/output (I/O) interface 22. Also, the server 12 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network, such as the Internet) via the network adapter 20. As shown, the network adapter 20 communicates with the other modules of the server 12 via the bus 18. It should be understood that although not shown in the figures, other hardware and/or software modules may be used in conjunction with the server 12, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, among others.
The processing unit 16 executes various functional applications and data processing by executing programs stored in the system memory 28, for example, to implement the presentation method of the payment method provided by any embodiment of the present invention. Namely: when a repayment application of a user is acquired, acquiring transaction information of the repayment application; wherein the transaction information includes a payment type and/or a fund provider; acquiring at least one matched alternative payment mode according to the transaction information of the repayment application; acquiring a target payment mode from the at least one alternative payment mode according to the channel payment ratio and the channel payment ratio threshold of the at least one alternative payment mode; and displaying the target payment mode to the user.
Example four
The fourth embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the method for displaying a payment method according to any embodiment of the present invention; the method comprises the following steps:
when a repayment application of a user is acquired, acquiring transaction information of the repayment application; wherein the transaction information includes a payment type and/or a fund provider;
acquiring at least one matched alternative payment mode according to the transaction information of the repayment application;
acquiring a target payment mode from the at least one alternative payment mode according to the channel payment ratio and the channel payment ratio threshold of the at least one alternative payment mode;
and displaying the target payment mode to the user.
Computer storage media for embodiments of the invention may employ any combination of one or more computer-readable media. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, 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), an optical fiber, 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 context of this document, 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.
A computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Computer program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
Claims (10)
1. A payment mode display method is characterized by comprising the following steps:
when a repayment application of a user is acquired, acquiring transaction information of the repayment application; wherein the transaction information includes a payment type and/or a fund provider;
acquiring at least one matched alternative payment mode according to the transaction information of the repayment application;
acquiring a target payment mode from the at least one alternative payment mode according to the channel payment ratio and the channel payment ratio threshold of the at least one alternative payment mode;
and displaying the target payment mode to the user.
2. The method of claim 1, wherein if the transaction information includes a payment type and a fund provider, the obtaining at least one alternative payment method that matches according to the transaction information of the payment application comprises:
acquiring at least one first payment mode configured in advance according to the payment type of the payment application;
acquiring at least one matched second payment mode according to the liquidation mode supported by the fund provider;
and taking the intersection of the at least one first payment mode and the at least one second payment mode as an alternative payment mode.
3. The method of claim 1, wherein if the alternative payment means includes at least one bank card, before obtaining a target payment means in the at least one alternative payment means according to a channel payment ratio and a channel payment ratio threshold of the at least one alternative payment means, the method comprises:
acquiring an available bank card from the at least one bank card according to the authentication information of the user, the limit information of the bank card and/or the type of the bank card; the bank card type comprises an inventory bank card and/or a non-inventory bank card;
the acquiring a target payment mode from the at least one alternative payment mode according to the channel payment ratio and the channel payment ratio threshold of the at least one alternative payment mode comprises the following steps:
and acquiring a target bank card from the available bank card according to the channel payment proportion of the available bank card and a channel payment proportion threshold value, and adding the target bank card into a target payment mode.
4. The method of claim 1, wherein if the alternative payment means comprises at least one third party payment platform, before obtaining a target payment means in the at least one alternative payment means according to a channel payment ratio and a channel payment ratio threshold of the at least one alternative payment means, the method comprises:
acquiring available third party payment platforms from the at least one third party payment platform according to the quota information of the third party payment platform;
the acquiring a target payment mode from the at least one alternative payment mode according to the channel payment ratio and the channel payment ratio threshold of the at least one alternative payment mode comprises the following steps:
and acquiring a target third-party payment platform from the available third-party payment platform according to the channel payment proportion of the available third-party payment platform and a channel payment proportion threshold value, and adding the target third-party payment platform into a target payment mode.
5. The method of claim 1, wherein if the alternative payment method includes an account balance, before obtaining a target payment method in the at least one alternative payment method according to a channel payment proportion and a channel payment proportion threshold of the at least one alternative payment method, the method comprises:
judging whether the account balance of the user is available according to the account balance authority information and/or the account balance quota information of the user;
the acquiring a target payment mode from the at least one alternative payment mode according to the channel payment ratio and the channel payment ratio threshold of the at least one alternative payment mode comprises the following steps:
and if the account balance of the user is determined to be available, determining whether to add the account balance into a target payment mode according to the channel payment proportion of the account balance and a channel payment proportion threshold value.
6. The method of claim 1, prior to presenting the targeted payment method to the user, comprising:
sequencing the target payment modes according to a preset sequencing rule;
the displaying the target payment mode to the user comprises:
and displaying the target payment modes after the sequencing is completed to the user.
7. The method of claim 1, prior to presenting the targeted payment method to the user, comprising:
adjusting the target payment mode according to a preset adjustment rule; the preset adjustment rules comprise a forced display rule, a forced hiding rule, a bank card adding guide rule, an account balance opening guide rule and/or a case adding rule;
the displaying the target payment mode to the user comprises:
and displaying the adjusted target payment mode to the user.
8. A payment mode display device is characterized by comprising:
the transaction information acquisition module is used for acquiring transaction information of a repayment application when the repayment application of a user is acquired; wherein the transaction information includes a payment type and/or a fund provider;
the alternative payment mode acquisition module is used for acquiring at least one matched alternative payment mode according to the transaction information of the repayment application;
the target payment mode acquisition module is used for acquiring a target payment mode from at least one alternative payment mode according to a channel payment ratio and a channel payment ratio threshold of the at least one alternative payment mode;
and the display execution module is used for displaying the target payment mode to the user.
9. A server, characterized in that the server comprises:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement a method of presenting a payment style as recited in any one of claims 1-7.
10. A storage medium containing computer-executable instructions for performing the method of presenting a payment means as recited in any one of claims 1-7 when executed by a computer processor.
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