CN113222578A

CN113222578A - Payment method and device

Info

Publication number: CN113222578A
Application number: CN202110595026.5A
Authority: CN
Inventors: 喻厚波; 金瑞茂; 王保林; 陈昊; 尹婉琳; 何煜; 李诚洁
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2021-05-28
Filing date: 2021-05-28
Publication date: 2021-08-06
Also published as: WO2022247969A1

Abstract

The embodiment of the specification provides a payment method and a payment device, and the method comprises the following steps: determining at least one payment channel matched with the target order and available resource limit corresponding to each payment channel; according to the amount to be paid and each available resource amount of the target order, carrying out payment channel combination on at least one payment channel according to a preset channel combination rule to obtain a plurality of combined payment strategies; and carrying out payment processing of the target order according to the selected target combined payment strategy in the plurality of combined payment strategies.

Description

Payment method and device

Technical Field

The document relates to the technical field of internet, in particular to a payment method and a payment device.

Background

With the rapid development of computer and internet technologies, online payment through a payment platform is more and more widely applied to the life and work of people; for example, in a scenario where a user purchases online and pays through a payment platform, in general, in order to realize payment through the payment platform, the user needs to associate a payment-available tool such as a bank card with the payment platform, so that when payment is performed based on the payment platform, funds can be deducted from the corresponding payment tool; however, in some cases, there may be instances where the balance of a particular payment instrument is insufficient to pay for a particular order.

Disclosure of Invention

One or more embodiments of the present specification provide a payment method. Wherein, the method comprises the following steps: and determining at least one payment channel matched with the target order and available resource limit corresponding to each payment channel. And according to the amount to be paid of the target order and each available resource limit, carrying out payment channel combination on at least one payment channel according to a preset channel combination rule to obtain a plurality of combined payment strategies. And carrying out payment processing on the target order according to the selected target combined payment strategy in the plurality of combined payment strategies.

One or more embodiments of the present specification also provide a payment device. Wherein, this payment device includes: the determining module is used for determining at least one payment channel matched with the target order and available resource limit corresponding to each payment channel. And the combination module is used for carrying out payment channel combination on the at least one payment channel according to a preset channel combination rule according to the amount to be paid of the target order and each available resource limit to obtain a plurality of combined payment strategies. And the payment module is used for carrying out payment processing on the target order according to the selected target combined payment strategy in the plurality of combined payment strategies.

One or more embodiments of the present specification also provide a payment device. Wherein, this payment equipment includes: a processor; and a memory arranged to store computer executable instructions that, when executed, cause the processor to: and determining at least one payment channel matched with the target order and available resource limit corresponding to each payment channel. And according to the amount to be paid of the target order and each available resource limit, carrying out payment channel combination on at least one payment channel according to a preset channel combination rule to obtain a plurality of combined payment strategies. And carrying out payment processing on the target order according to the selected target combined payment strategy in the plurality of combined payment strategies.

One or more embodiments of the present specification also provide a storage medium storing computer-executable instructions that, when executed, implement the following: and determining at least one payment channel matched with the target order and available resource limit corresponding to each payment channel. And according to the amount to be paid of the target order and each available resource limit, carrying out payment channel combination on at least one payment channel according to a preset channel combination rule to obtain a plurality of combined payment strategies. And carrying out payment processing on the target order according to the selected target combined payment strategy in the plurality of combined payment strategies.

Drawings

In order to more clearly illustrate one or more embodiments or prior art solutions of the present specification, the drawings that are needed in the description of the embodiments or prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in this document, and that other drawings can be obtained by those skilled in the art without inventive effort from these drawings.

Fig. 1 is a first schematic flow chart of a payment method provided in one or more embodiments of the present disclosure;

fig. 2 is a second schematic flow chart of a payment method provided in one or more embodiments of the present disclosure;

FIG. 3 is an interaction flow diagram of a payment method provided in one or more embodiments of the present description;

fig. 4 is a schematic block diagram of a payment device provided in one or more embodiments of the present disclosure;

fig. 5 is a schematic structural diagram of a payment device provided in one or more embodiments of the present disclosure.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in this document, the technical solutions in one or more embodiments of the present specification will be clearly and completely described below with reference to the drawings in one or more embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of this document, and not all embodiments of this document. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

First, one or more embodiments of the present specification provide a payment method applied to a payment platform, that is, an execution subject of the method is the payment platform.

Fig. 1 is a first schematic flow chart of a payment method provided in one or more embodiments of the present disclosure, as shown in fig. 1, the method includes at least the following steps:

step 102, determining at least one payment channel matched with the target order and available resource limit corresponding to each payment channel;

104, according to the amount to be paid and each available resource amount of the target order, carrying out payment channel combination on at least one payment channel according to a preset channel combination rule to obtain a plurality of combined payment strategies;

and 106, carrying out payment processing on the target order according to the selected target combined payment strategy in the plurality of payment combined strategies.

In one or more embodiments of the present disclosure, in the step 102, the number of the determined payment channels matched with the target order may be one or multiple, specific data of the matched payment channels is associated with an actual application scenario, and the specific number of the payment channels matched with the target order is not limited in the one or more embodiments of the present disclosure. For example, in the payment channels bound by the user, only one payment channel exists for payment of the target order, and the number of the payment channels matched with the target order is one; for example, if there are three payment channels available for payment of the target order among the payment channels bound by the user, the number of the payment channels matched with the target order is three.

It should be noted that, in one or more embodiments of the present disclosure, the target order matching payment channel may actually be understood as a payment channel that can be used for paying for the target order, that is, a payment channel that supports payment for the target order.

Specifically, the payment channel mentioned in one or more embodiments of the present disclosure may be understood as a payment instrument that can complete a payment action, for example, the payment channel may be a payment instrument such as a bank card, a credit card, a user account balance, etc. bound to a user, and of course, this is merely an exemplary list of several possible payment channels, and does not constitute a limitation to the payment channel.

In one or more embodiments of the present disclosure, the amount of available resources mentioned in step 102 may be understood as the amount of resources currently available for payment in the payment channel; for example, if the payment channel is a user account balance and the user account balance is 50 yuan, the available resource amount corresponding to the payment channel is 50 yuan; for example, if the payment channel is a credit card and the current remaining credit line of the credit card is 20 yuan, the available resource credit line corresponding to the payment channel is 20 yuan;

wherein, the concrete expression form of the "resource" in the available resources mentioned in one or more embodiments of the present specification may be fund, currency, point, gold, etc.;

optionally, in a specific embodiment, in the step 102, determining at least one payment channel matched with the target order may be specifically implemented by the following processes:

acquiring each payment channel associated with a user on a payment platform; and screening a payment channel for paying the target order from the payment channels to serve as a payment channel matched with the target order.

The payment channels that may be supported may differ for orders of different merchants or different types of orders, e.g., for orders of some merchants, it may not support credit card payments, etc.; therefore, in one or more embodiments of the present specification, when determining at least one payment channel matched with the target order, all payment channels associated with the payment platform by the user are obtained first, and a payment channel available for paying the target order is screened from all payment channels associated with the user as a payment channel matched with the target order.

It should be noted that, in some specific application scenarios, all payment channels associated with a user may be used for paying a target order, and at this time, all payment channels associated with the user are determined as payment channels matched with the target order; of course, in some application scenarios, only a few payment channels may be available for paying the target order from all the payment channels associated with the user, and at this time, the payment channels available for paying the target order are used as the payment channels matched with the target order.

In addition, in the specific implementation, in order to facilitate the combination of the payment channels, after at least one payment channel matched with the target order is determined, available resource limits corresponding to each payment channel need to be determined;

optionally, in a specific implementation, the available resource limit corresponding to each payment channel may be obtained from each payment channel; for example, if the payment channel is the user account balance, the account balance information of the user may be obtained from the user account, the balance corresponding to the user account is determined based on the account balance information, and the balance is determined as the available resource limit corresponding to the user account balance, that is, the maximum resource amount that the user account balance can be used to pay the target order.

In a specific implementation manner, a user may send a payment request for a target order to a payment platform through a client installed on a terminal device (such as a mobile phone, a computer, a tablet computer, etc.) or a web page, where the payment request carries order information, payment account information, and the like of the target order, and after the payment platform receives the payment request for the target order sent by the user, based on the payment account information carried in the payment request, all payment channels associated with the payment account are searched, and a payment channel for paying the target order is screened from all the associated payment channels, so as to serve as a payment channel matched with the target order.

In addition, it should be noted that in one or more embodiments of the present specification, after a payment request for a target order sent by a user through a terminal device is received, at least one payment channel matched with the target order and available resource amounts corresponding to each payment channel are determined, first, whether available resource amounts corresponding to each single payment channel are enough to pay an amount to be paid corresponding to the target order is checked, if it is determined that a single payment channel is available to pay the target order, the matched at least one payment channel list is directly returned to the user, and a subsequent process of payment channel combination is not required to be executed; and if the verification result indicates that the available resource limit corresponding to each single channel is not enough to pay the target order, executing the operation of subsequent payment channel combination.

Specifically, in step 104, the amount to be paid of the target order may be obtained from order information corresponding to the target order; for example, in a specific implementation manner, a payment request for a target order sent by a user carries order information of the target order, and the order information may include order code information of the target order, payment amount, and the like, so that the amount to be paid corresponding to the target order can be determined based on the order information in the payment request sent by the user.

When the method is implemented specifically, the specific expression form of the amount to be paid of the target order may be a fund amount, a currency amount, a point amount, a gold coin amount, and the like, that is, the specific expression form of the payment content corresponding to the amount to be paid may be set according to an actual requirement, and one or more embodiments of the present specification do not limit the specific expression form.

Optionally, in a specific implementation manner, in the step 104, according to the amount to be paid and each available resource amount of the target order, a payment channel combination is performed on at least one payment channel according to a preset channel combination rule, so as to obtain multiple combined payment policies, which specifically includes the following steps:

step one, determining a combined channel corresponding to a target order according to the amount to be paid and each available resource limit;

determining sub-payment amounts corresponding to each payment channel in the combined channels according to preset distribution rules according to the payment priority corresponding to each payment channel in the combined channels, the available resource amount and the amount to be paid;

and step three, determining the sub payment amounts corresponding to the combined channel and each payment channel in the combined channel as a combined payment strategy.

It should be noted that, in the step one, when at least one payment channel is combined, any two payment channels, any three payment channels, or any four or more payment channels in the at least one payment channel may be combined.

Optionally, in a specific implementation manner, in the step one, the combined channel corresponding to the target order is determined according to the amount to be paid and each available resource amount, which may be specifically implemented through the following processes:

combining at least one payment channel according to the amount to be paid and each available resource limit to obtain at least one group of combined channels; determining corresponding rights and interests information of the target order; and determining the combined channel which does not contain the mutually exclusive payment channel with the rights and interests information as the combined channel corresponding to the target order.

Specifically, in one or more embodiments of the present specification, at least one payment channel is combined according to an amount to be paid and each available resource amount to obtain at least one group of combined channels, which may specifically be implemented by the following processes:

determining the sum of available resource lines corresponding to any two or more payment channels according to the available resource lines corresponding to each payment channel, and if the sum is greater than or equal to the amount to be paid, combining the any two or more payment channels to obtain a combined channel;

to facilitate understanding of the above process, the following description will be given by way of example.

For example, in a specific embodiment, the payment channels matched with the target order include a payment channel 1, a payment channel 2, a payment channel 3, and a payment channel 4, and the four payment channels are combined in pairs, that is, every two payment channels are combined to obtain a combined channel; assuming that the available resource limit corresponding to the payment channel 1 is 40 yuan, the available resource limit corresponding to the payment channel 2 is 60 yuan, the available resource limit corresponding to the payment channel 3 is 10 yuan, the available resource limit corresponding to the payment channel 4 is 80 yuan, and the amount to be paid corresponding to the target order is 90 yuan, in order to enable the combined channel to realize payment of the target order, the total available resource limit corresponding to the combined channel needs to be greater than or equal to 90 yuan;

for the above four payment channels, any two payment channels are combined, and the obtained combined channels include: a payment channel 1 and a payment channel 2, a payment channel 1 and a payment channel 3, a payment channel 1 and a payment channel 4, a payment channel 2 and a payment channel 3, a payment channel 2 and a payment channel 4, a payment channel 3 and a payment channel 4;

for the combined channel of the payment channel 1 and the payment channel 2, the corresponding total available resource limit is 100 yuan which is more than 90 yuan; for the combined channel of the payment channel 1 and the payment channel 3, the corresponding total available resource limit is 50 yuan, which is less than 90 yuan; for the combined channel of the payment channel 1 and the payment channel 4, the corresponding total available resource limit is 120 yuan which is more than 90 yuan; for the combined channel of the payment channel 2 and the payment channel 3, the corresponding total available resource limit is 70 yuan which is less than 90 yuan; for the combined channel of the payment channel 2 and the payment channel 4, the corresponding total available resource limit is 140 yuan; for the combined channel of the payment channel 3 and the payment channel 4, the corresponding total available resource limit is 90 yuan;

therefore, for the four payment channels, the combination channels that can be formed include: a combined channel of the payment channel 1 and the payment channel 2, a combined channel of the payment channel 1 and the payment channel 4, a combined channel of the payment channel 2 and the payment channel 4, and a combined channel of the payment channel 3 and the payment channel 4.

Generally, for some orders, there may be some interest information, such as coupons, discount coupons, full discount coupons, red packages, etc. issued by the merchant, or full discount coupons, etc. issued by the payment platform; in this case, when the order is paid, the equity information corresponding to the order needs to be used.

However, in some embodiments, there may be a case where a certain payment channel is mutually exclusive from the rights and interests information, that is, the two cannot be used simultaneously, and therefore, for such a case, the combined channel including the payment channel needs to be eliminated.

For example, continuing to follow the above example, it is assumed that the interest information corresponding to the target order includes a full reduction ticket, but when the user uses the full reduction ticket, the user cannot use the payment channel 1 for payment, that is, the interest information corresponding to the target order is mutually exclusive with the payment channel 1, so that the combined channel including the payment channel 1 cannot be used for payment of the target order, and at this time, the combined channel including the payment channel 1 needs to be removed, that is, the combined channel corresponding to at least one payment channel matched with the target order includes the combined channel of the payment channel 2 and the payment channel 4, and the combined channel of the payment channel 3 and the payment channel 4.

Optionally, in a specific embodiment, the determining, as the combined channel corresponding to the target order, the combined channel that does not include the payment channel mutually exclusive from the rights and interests information may specifically be implemented through the following processes:

aiming at each group of combined channels, checking whether a payment channel contained in the combined channel is mutually exclusive with the rights and interests information; if yes, deleting the combined channel; otherwise, the combined channel is determined as the combined channel corresponding to the target order.

Generally, a payment channel mutually exclusive with each interest information can be pre-stored in a payment platform, so that after the interest information corresponding to a target order is determined, the mutually exclusive payment channel corresponding to the interest information is determined, whether each group of combined channels comprises the mutually exclusive payment channel is checked, if yes, the combined channel is determined not to be used for paying the target order, the combined channel is determined to be an invalid combination, and the combined channel is cancelled and deleted; if the combined channel does not contain the mutually exclusive payment channel, determining that the combined channel can be used for paying the target order, namely determining the combined channel as the combined channel corresponding to at least one payment channel matched with the target order, namely determining the combined channel as the combined channel corresponding to the target order.

Of course, in one or more embodiments of the present description, only the process of screening the combined channels is described by taking mutual exclusion with rights and interests information as an example, in addition, the combined channels may be screened based on other rules to screen out the combined channels that can be used for paying for the target orders; one or more embodiments of the present disclosure do not describe the specific rule content of the screening rule, and in the specific implementation, the screening rule may be set according to actual requirements.

Optionally, in another specific embodiment, when there is a case that a certain payment channel in the combined channel is mutually exclusive with the equity information, the equity information corresponding to the target order may also be deleted, but the combined channel is retained; therefore, in the embodiment of the present specification, the step one, determining the combined channel corresponding to the target order according to the amount to be paid and each available resource amount, may also be implemented through the following processes:

combining at least one payment channel according to the amount to be paid and each available resource limit to obtain at least one group of combined channels; determining rights and interests information corresponding to the target order; aiming at each group of combined channels, checking whether a payment channel contained in the combined channel is mutually exclusive with the rights and interests information; if yes, deleting the rights and interests information corresponding to the target order, and determining the combined channel as the combined channel corresponding to the target order; otherwise, the combined channel is determined as the combined channel corresponding to the target order.

For example, continuing to follow the above example, it is assumed that the interest information corresponding to the target order includes the full discount coupon, but when the user uses the full discount coupon, the payment channel 1 cannot be used for payment, that is, the interest information corresponding to the target order is mutually exclusive with the payment channel 1, so that the combined channel including the payment channel 1 cannot be used for payment of the target order, and at this time, the interest information corresponding to the full discount coupon corresponding to the target order may be deleted, so that the combined channel including the payment channel 1 may be continuously used for payment of the target order.

Specifically, after the combined channel corresponding to the target order is determined through the first step, the second step is executed, that is, the sub-payment amount corresponding to each payment channel in the combined channel is determined according to the payment priority, the available resource amount and the amount to be paid corresponding to each payment channel in the combined channel and the preset distribution rule.

It should be noted that the payment priority may be understood as a payment priority set by a user on a payment platform; for example, suppose that a user associates three payment channels, namely a payment channel 1, a payment channel 2 and a payment channel 3, when the user sets the payment channel, the user sets the payment channel 1 to be used preferentially for payment, when the payment channel 1 cannot be used for payment, the payment channel 2 is used for payment, when the payment channel 1 and the payment channel 2 cannot be used for payment, the payment channel 3 is used for payment, that is, the payment priority of the payment channel 1 is higher than that of the payment channel 2, and the payment priority of the payment channel 2 is higher than that of the payment channel 3;

optionally, in a specific implementation manner, in the second step, the sub-payment amount corresponding to each payment channel in the combined channel is determined according to a preset allocation rule according to the payment priority, the available resource amount and the amount to be paid corresponding to each payment channel in the combined channel, and specifically may be implemented through the following steps (1), (2) and (3):

step (1), aiming at a payment channel with the payment priority ranked at the top N-1 in a combined channel, determining an available resource amount corresponding to the payment channel as a sub payment amount corresponding to the payment channel; wherein N is the number of payment channels contained in the combined channel;

step (2), determining the resource difference value of the total amount of the available resources corresponding to each payment channel with the payment priority ranked in the top N-1;

and (3) determining the resource difference value as a sub-payment amount corresponding to a payment channel with the Nth payment priority in the combined channel.

The specific value of N may be any value greater than 1, such as any values 2 and 3, and may be set according to actual requirements, for example, in a specific application scenario, two payment channels need to be combined, and in the application scenario, the specific value of N is 2.

Generally, for the payment channel with the payment priority ranked at the top N-1, all the available resource quota corresponding to the payment channel is directly used for paying the target order, that is, the sub-payment amount corresponding to the payment channel is actually the available resource quota corresponding to the payment channel; for the payment channel with the payment priority ranked at the nth (i.e. the last) in the combined channel, it is required to pay all the remaining payment amounts corresponding to the target order.

For the convenience of understanding the distribution process of the sub payment amount corresponding to each payment channel in the above combined channel in one or more embodiments of the present specification, the following description will be given by way of example.

For example, continuing with the above example, taking the payment channel 2 and the payment channel 4 as an example in the above example as an example, it is assumed that the payment priority corresponding to the payment channel 2 is higher than the payment priority corresponding to the payment channel 4 in the payment channel, and therefore, when the combined channel is used for payment of the target order, the available resource amount corresponding to the payment channel 2 should be preferentially used for payment;

for the target order, the amount to be paid corresponding to the target order is 90 yuan, the available resource amount corresponding to the payment channel 2 is 60 yuan, the available resource amount corresponding to the payment channel 4 is 80 yuan, and since the payment channel 2 is preferentially used for payment of the target order, the available resource amount corresponding to the payment channel 2 is determined as a sub-payment amount corresponding to the payment channel 2, that is, for the target order, the sub-payment amount corresponding to the payment channel 2 is 60 yuan, and the resource difference value between the amount to be paid and the sub-payment amount corresponding to the payment channel 2 is 30 yuan, so the payment amount corresponding to the payment channel 4 is 30 yuan. Therefore, in this case, when the payment is performed by using the combined channel corresponding to the payment channel 2 and the payment channel 4, 60 yuan is required to be paid by using the payment channel 2, and 30 yuan is required to be paid by using the payment channel 4;

for example, in another embodiment, for the combined channel of the payment channel 2 and the payment channel 4, assuming that the payment priority of the payment channel 4 in the payment channel is higher than the payment priority of the payment channel 2, when the combined channel is used to pay a target order, the available resource amount corresponding to the payment channel 4 should be preferentially used for payment;

for this situation, the available resource amount corresponding to the payment channel 4 needs to be determined as the sub-payment amount corresponding to the payment channel 4, that is, for the target order, the sub-payment amount corresponding to the payment channel 4 is 80 yuan, and the resource difference between the amount to be paid and the sub-payment amount corresponding to the payment channel 4 is 10 yuan, so that the payment amount corresponding to the payment channel 2 is 10 yuan. Therefore, in this case, when payment is made using the combined channel corresponding to the payment channel 2 and the payment channel 4, 10 dollars of payment are paid using the payment channel 2, and 80 dollars of payment are paid using the payment channel 4.

Optionally, in some specific application scenarios, for each payment channel, there may be preference information corresponding to the payment channel, for example, payment is performed using a user account balance, XX yuan may be subtracted; thus, for each payment channel, the sub-payment amount it may actually pay is lower than the sub-payment amount allocated to that payment channel;

therefore, in a specific embodiment, in the second step, the sub-payment amount corresponding to each payment channel in the combined channel is determined according to the preset allocation rule according to the payment priority, the available resource amount and the amount to be paid corresponding to each payment channel in the combined channel, and the following process may be further included:

aiming at each payment channel in the combined channels, judging whether the payment channel has corresponding payment right information or not; if the payment channel with the payment priority ranked at the top N-1 has the payment right information, determining a sub-payment amount corresponding to the payment channel based on the amount of the payable resource and the payment right information; and if the payment channel with the Nth payment priority has the payment right information, determining the sub-payment amount corresponding to the payment channel based on the resource difference and the payment right information.

Generally, for each payment channel, in order to achieve the purposes of attracting users and increasing traffic, it may issue rights and interests information, such as coupons, discounts, full discounts, etc., to the users who pay by the payment channel; for the situation, when the payment channel is used for payment, the actual payment amount corresponding to the payment channel needs to be determined based on the payment right information corresponding to the payment channel;

for example, in a specific embodiment, if the payment right information corresponding to a certain payment channel is XX element, and if the payment channel is a payment channel with the payment priority ranked in the top N-1, XX element is subtracted from the amount of the payable resource corresponding to the payment channel to be used as a sub-payment amount (i.e. an actual payment amount) corresponding to the payment channel; if the payment channel is the payment channel with the payment priority ranked at the Nth, subtracting the XX element from the calculated resource difference value to be used as a sub-payment amount (namely, an actual payment amount) corresponding to the payment channel;

in addition, it should be noted that in the embodiment of the present specification, when sub-payment amounts corresponding to each payment channel in the combined channel are allocated, if the target order has corresponding interest information, an actual amount to be paid corresponding to the target order is calculated based on the amount to be paid and the interest information corresponding to the target order, and the sub-payment amounts corresponding to each payment channel in the combined channel are allocated based on the actual amount to be paid.

For example, in a specific embodiment, the amount to be paid corresponding to the target order is 100 yuan, the target order may use a 10 yuan coupon, and the actual amount to be paid corresponding to the target order is 90 yuan, and the combined channel only needs to pay 90 yuan, that is, the sub-payment amounts corresponding to the payment channels are allocated according to the amount to be paid corresponding to the target order being 90 yuan;

specifically, in one or more embodiments of the present specification, after determining the sub-payment amount corresponding to each payment channel in each combination channel, each combination channel and the sub-payment amount corresponding to each payment channel in the combination channel are determined as a combination payment policy;

optionally, in a specific implementation manner, in order to ensure that the obtained combined payment policy can successfully pay the target order, before the step three is performed, that is, before the combined channel and the sub-payment amounts corresponding to the payment channels in the combined channel are determined as the combined payment policy, the method provided in one or more embodiments of the present specification further includes the following steps:

carrying out availability check on the combined channel; and if the availability passes the verification, determining the combined channel and the sub payment limit corresponding to each payment channel in the combined channel as the combined payment strategy.

In specific implementation, if the availability check of the combined channel fails, it is determined that the combined payment policy is unavailable, and the combined payment policy is not shown to the user.

Optionally, in a specific embodiment, the verifying availability of the combined channel specifically includes the following steps:

and checking whether the available resource quota corresponding to each payment channel in the combined channel is larger than or equal to the sub-payment amount corresponding to the payment channel, and checking whether the total available resource quota corresponding to each payment channel in the combined channel is larger than or equal to the amount to be paid.

Of course, in one or more embodiments of the present specification, if the verification result indicates that the available resource amount corresponding to each payment channel is greater than or equal to the sub-payment amount corresponding to the payment channel, and the total available resource amount corresponding to each payment channel in the combined channel is greater than or equal to the amount to be paid, it is determined that the availability verification for the combined channel passes.

Specifically, in the embodiment of the present specification, after the availability check of the combination channel is passed, the combination channel passed by the availability check and the sub-payment amounts corresponding to each payment channel in the combination channel are determined as the combination payment policy applicable to the target order;

it should be noted that, in one or more embodiments of the present specification, the number of the combined payment policies determined through the above process may be one or multiple;

in specific implementation, if the number of the determined combined payment strategies is one, the combined payment strategies are directly displayed to a user, and if the user selects to use the combined payment strategies to pay the target orders, the payment processing of the target orders is directly carried out according to the combined payment strategies;

of course, if the number of the determined combined payment strategies is multiple, the multiple combined payment strategies can be displayed to the user, so that the user can select a target combined payment strategy for paying the target order from the multiple combined payment strategies, and the target order is processed based on the target combined payment strategy;

therefore, in one embodiment, before performing step 106, that is, performing the payment processing of the target order according to the selected target combined payment policy of the plurality of combined payment policies, the method provided by one or more embodiments of the present specification further includes the following steps:

and displaying the plurality of combined payment strategies to the user so that the user selects a target combined payment strategy for paying the target order from the plurality of combined payment strategies.

Optionally, in a specific implementation manner, the multiple combined payment policies are displayed to the user, and actually, the multiple combined payment policies are sent to the terminal device used by the user, so that the multiple combined payment policies are displayed through the terminal device; specifically, the combined payment strategy sent to the user comprises each payment channel corresponding to the combined payment strategy, a sub-payment amount corresponding to each payment channel, right and interest information corresponding to the target order and payment right and interest information corresponding to each payment channel;

for ease of understanding, the following description will be given by way of example.

For example, in a specific embodiment, the amount to be paid corresponding to the target order is 90 yuan, and one possible specific form of the combined payment policy presented to the user is as follows:

the payment method comprises the following steps of combining a payment strategy 1, a payment channel 1+ a payment channel 2, carrying out a red package of 10 yuan, paying 70 yuan through the payment channel 1, and paying 10 yuan through the payment channel 2;

combined payment policy 2: the payment channel 1+ payment channel 3, the red package is 10 yuan, the payment channel 1 has the payment right of subtracting 3 yuan, the payment channel 1 pays 67 yuan, the payment channel 2 pays 10 yuan;

of course, the specific form of the combined payment policy presented to the user is only illustrated here by way of example, and does not constitute a limitation on the embodiments of the present description.

Optionally, in a specific embodiment, a plurality of combined payment policies may be presented to the user in a list form, where each combined payment policy corresponds to its specific payment policy content;

it should be noted that, in one or more embodiments of the present specification, in order to facilitate a user to select a target combined payment policy to be used from a plurality of combined payment policies, a selection box may be provided in front of each combined payment policy, and the user may select or deselect a corresponding combined payment policy by clicking a corresponding selection box.

Optionally, in a specific embodiment, after determining the plurality of combined payment policies for the target order, a recommended combined payment policy for the target order may be determined from the plurality of combined payment policies, and the recommended combined payment policy is displayed to the user;

therefore, in one specific embodiment, before performing step 106, that is, before performing the payment processing of the target order according to the selected target combined payment policy of the plurality of combined payment policies, the method provided by one or more embodiments of the present specification further includes the following steps:

determining a recommended combined payment strategy corresponding to the target order from a plurality of combined payment strategies; and displaying the recommended combined payment strategy and other combined payment strategies in the plurality of combined payment strategies to the user according to a preset display rule.

Specifically, in one or more embodiments of the present specification, the determining a recommended combined payment policy corresponding to the target order from the plurality of combined payment policies may specifically be implemented by the following processes:

scoring the recommendation degrees of the multiple combined payment strategies according to a preset scoring rule; and determining the combined payment strategy with the highest recommendation degree score in the plurality of combined payment strategies as the recommended combined payment strategy.

In a specific embodiment, the preset scoring rule may include scores corresponding to multiple dimensions such as payment success rate, payment discount strength, use frequency of the user, and the like; for ease of understanding, the following description will be given by way of example.

For example, in one embodiment, one possible expression of the preset scoring rule set is as follows:

in the nearly 30 payment orders, the number of payment failures is less than 3, and the score is 3; the number of payment failures is more than or equal to 3 words and less than 5 times, and the score is 2; the number of payment failures is more than or equal to 5, and the score is 1;

in the last 30 payment orders, the number of times of use of the user is more than 5, and the score is 3; the number of times of use of the user is less than or equal to 5 times and more than 3 times, and the score is 2; the number of times of use of the user is less than or equal to 3, and the score is 1;

of course, the specific form of the preset scoring rule set is only exemplary and should not be construed as limiting the embodiments of the present disclosure.

In one or more embodiments of the present specification, for each combined payment policy, the payment channels in each combined payment policy are scored according to the preset scoring rule, a sum of scores corresponding to each payment channel is used as a recommendation score corresponding to the combined payment policy, and one combined payment policy with the highest recommendation score among all the combined payment policies is determined as the recommended combined payment policy.

Specifically, the recommended combined payment policy and the other combined payment policies in the multiple combined payment policies are displayed to the user according to a preset display rule, which can be specifically realized through the following processes:

and displaying the recommended combined payment strategy on a terminal interface, hiding other combined payment strategies, and displaying other combined payment strategies on the current interface after the user triggers the operation of displaying other combined payment strategies on the terminal equipment.

Or, in a specific implementation manner, the recommended combined payment policy is presented on the terminal interface as the first one in the combined payment policy list;

or, the combined payment policy list is displayed on the terminal interface, and the recommended combined payment policy in the combined payment policy list is marked, for example, a mark of "recommendation" is marked in a certain area of the recommended combined payment policy.

Of course, the present disclosure is only exemplary of several possible combinations of payment strategies, and should not be construed as limiting the embodiments of the present disclosure.

Specifically, in the embodiment of the present specification, after the combined payment policy is displayed to the user, the user may select the combined payment policy that the user wants to use, and record the selected combined payment policy as the target combined payment policy, and notify the payment platform of the selected target combined payment policy through the terminal device, and after the payment platform receives the selected target combined payment policy fed back by the user, the payment platform performs payment processing of the target order based on the combined payment policy;

optionally, in a specific implementation manner, in the step 106, the payment processing of the target order is performed according to the selected target combined payment policy in the multiple combined payment policies, which specifically includes the following processes:

generating a resource deduction instruction corresponding to the target combined payment strategy; the resource deduction instruction comprises sub-resource deduction instructions corresponding to all payment channels in the target combined payment strategy; and sending each sub-resource deduction instruction to a corresponding payment channel so that the payment channel executes resource deduction operation based on the sub-resource deduction instruction.

For the combined payment policy, since it includes a plurality of payment channels, when performing payment processing of a target order based on the target combined payment policy, an operation of deducting corresponding resources from different payment channels, that is, deducting resources (such as funds) of corresponding sub payment amounts, that is, sending different resource deduction instructions to different payment channels is required.

Therefore, in one or more embodiments of the present specification, a resource deduction instruction corresponding to the target combined payment policy needs to be generated; for example, in a specific implementation, the specific policy content corresponding to the target combined payment policy is: the payment channel 1 pays 100 yuan, the payment channel 2 pays 90 yuan, and the generated resource deduction instruction comprises a sub-resource deduction instruction for deducting 100 yuan from the payment channel 1 and a sub-resource deduction instruction for deducting 90 yuan from the payment channel 2;

in fact, in this embodiment of the present specification, the resource deduction instruction corresponding to the target combined payment policy is generated, and in fact, it may also be understood that the target combined payment policy is converted into a payment instruction that can be identified (understood) by a corresponding payment channel.

Optionally, in a specific implementation manner, after the step 106 is executed, that is, after the payment processing of the target order is performed according to the selected target combined payment policy from the plurality of combined payment policies, the method provided by one or more embodiments of the present specification further includes the following steps:

displaying payment result information corresponding to the target order to a user; wherein, the payment result information comprises the sub payment amount corresponding to each payment channel.

Of course, in a specific embodiment, the payment result information may include a to-be-paid amount corresponding to the target order, preference information corresponding to the target order, channel preference information corresponding to each payment channel, and the like, in addition to the sub-payment amount corresponding to each payment channel.

Fig. 2 shows a second flowchart of a payment method provided in one or more embodiments of the present specification, and as shown in fig. 2, the method specifically includes the following steps:

step 202, receiving a payment request for payment of a target order from a user;

step 204, determining at least one payment channel matched with the target order and available resource limit corresponding to each payment channel;

step 206, combining at least one payment channel matched with the target order according to the amount to be paid of the target order and the available resource limit corresponding to each payment channel to obtain at least one group of combined channels;

step 208, determining the rights and interests information corresponding to the target order;

step 210, checking whether a payment channel contained in each group of combined channels is mutually exclusive with the rights and interests information; if yes, go to step 212; otherwise, go to step 214;

step 212, deleting the rights and interests information corresponding to the target order, and determining the combined channel as the combined channel corresponding to the target order;

step 214, determining the combined channel as a combined channel corresponding to the target order;

step 216, judging whether the payment channel has corresponding payment right information or not aiming at each payment channel in the combined channels; if yes, go to step 218; otherwise, go to step 220;

step 218, if the payment channel with the payment priority ranked at the top N-1 has the payment right information, determining a sub-payment amount corresponding to the payment channel based on the available resource amount and the payment right information corresponding to the payment channel; if the payment channel with the payment priority ranked at the Nth has the payment right information, determining a sub-payment amount corresponding to the payment channel based on the resource difference value of the total amount of available resources corresponding to the payment channel with the payment priority ranked at the top N-1 and the payment right information;

step 220, aiming at the payment channel with the payment priority ranked at the top N-1 in the combined channel, determining the available resource limit corresponding to the payment channel as the sub payment amount corresponding to the payment channel; for the payment channel with the payment priority ranked at the Nth, determining the resource difference value of the total amount of available resources corresponding to each payment channel with the payment amount and the payment priority ranked at the N-1d as the sub-payment amount corresponding to the payment channel;

step 222, performing availability check on each combined channel; if the verification passes, go to step 224; otherwise, ending;

step 224, determining the combined channel and the sub payment amount corresponding to each payment channel in the combined channel as a combined payment strategy;

step 226, determining a recommended combined payment strategy corresponding to the target order from the plurality of combined payment strategies;

step 228, displaying the recommended combined payment strategy and other combined payment strategies in the determined combined payment strategy to a user according to a preset display rule;

step 230, determining a target combined payment strategy selected by the user;

step 232, performing payment processing of the target order based on the target combined payment strategy;

and step 234, displaying the payment result information corresponding to the target order to the user.

Of course, in the embodiment shown in fig. 2, if it is determined that the payment channel included in a certain combined channel is mutually exclusive with the rights and interests information of the target order through step 210, the combined channel may also be determined as an invalid combined channel, and the invalid combined channel may be removed; fig. 2 illustrates only one possible embodiment of the present disclosure, and is not intended to limit the embodiments of the present disclosure.

In a specific implementation manner, an execution main body of the method provided in one or more embodiments of the present specification is a payment platform, and accordingly, a plurality of systems may be provided in the payment platform, and the plurality of systems cooperate with each other to realize payment of the target order.

Optionally, in a specific embodiment, the system disposed on the payment platform may include a cashier system, a payment core system, a payment decision system, and a fund deduction system, and the payment processing for the target order is implemented through cooperation of the cashier system, the payment core system, the payment decision system, and the fund deduction system.

To facilitate understanding of the method provided by the embodiments of the present specification, the following will describe the payment method provided by the embodiments of the present specification in conjunction with the system described above, and fig. 3 is an interaction flow diagram of the payment method provided by one or more embodiments of the present specification, as shown in fig. 3, and the method includes the following steps:

1. a user initiates a payment request for a target order to a cashier system through terminal equipment;

2. the cashier desk system initiates a payment rendering request to the payment core system;

3. the payment core system sends a payment channel query request to the payment decision system;

the payment channel query request user queries all payment channels associated with the user.

4. The payment core system receives a payment channel list returned by the payment decision system;

5. the payment core system determines at least one payment channel matched with the target order from the payment channel list;

6. the payment core system combines at least one payment channel matched with the target order according to the amount to be paid of the target order and the available resource limit corresponding to each payment channel to obtain at least one group of combined channels;

7. the payment core system determines the rights and interests information corresponding to the target order;

8. aiming at each group of combined channels, the payment core system checks whether the payment channel contained in the combined channel is mutually exclusive with the rights and interests information; if yes, executing step 9; otherwise, executing step 10;

9. the payment core system deletes the rights and interests information corresponding to the target order and determines the combined channel as the combined channel corresponding to the target order;

of course, in other specific embodiments, the embodiment corresponding to the step 9 may also be replaced by other schemes, such as the payment core system determining the combined channel as an invalid combined channel and rejecting the combined channel.

10. The payment core system determines the combined channel as a combined channel corresponding to the target order;

11. the payment core system determines the sub-payment amount corresponding to each payment channel in the combined channel;

12. the payment core system performs availability verification on each combined channel;

13. if the availability passes the verification, the payment core system constructs a combined payment strategy based on the combined channel and the sub payment amount corresponding to each payment channel in the combined channel;

14. the payment core system returns the constructed multiple combined payment strategies to the cash register system;

15. the cashier desk system determines a recommended combined payment strategy corresponding to the target order from a plurality of combined payment strategies;

16. the cashier desk system returns the recommended combined payment strategy and other combined payment strategies in the determined combined payment strategy to the terminal equipment;

17. the terminal equipment displays the recommended combined payment strategy and other combined payment strategies according to a preset display rule;

18. a user selects a target combined payment strategy through terminal equipment and submits a payment request for payment by using the target combined payment strategy to a cashier system;

19. the cashier desk system sends the payment request to a payment core system;

20. the payment core system generates a corresponding resource deduction instruction based on the target combined payment strategy;

21. the payment core system sends the resource deduction instruction to the fund deduction system;

22. the fund deduction system deducts resources from the corresponding payment channel based on each sub-resource deduction instruction in the resource deduction instruction;

23. the fund deduction system returns payment result information to the payment core system;

24. the payment core system returns the payment result information to the cashier system;

25. and the cashier desk system sends the payment result information to the terminal equipment so as to be displayed to the user.

The specific implementation process of each step in the embodiment shown in fig. 3 may refer to the embodiment shown in fig. 1, and is not described herein again.

The payment method provided by one or more embodiments of the specification has at least the following advantages:

(1) in the embodiment of the specification, after at least one payment channel matched with the target order is determined, payment channel combination can be performed on the matched at least one payment channel according to a preset channel combination rule based on the amount to be paid of the target order and available resource limits corresponding to the payment channels to obtain a plurality of combined payment strategies, so that a user can select a target combined payment strategy for paying the target order from the plurality of combined payment strategies; that is, through the embodiments of the present specification, the payment channels can be freely combined, so that payment is performed in a combined manner under the condition that a single payment channel is not enough to pay a certain order, and the success rate of payment is improved; in addition, a plurality of combined payment strategies can be combined by adopting the method provided by the embodiment of the specification, so that the user can freely select, the flexibility of payment channel combination is higher, and rich choices are provided for the user;

(2) in the embodiment of the specification, after the combined payment strategy which can be used for paying the target order is determined, recommendation degrees of the combined payment strategies can be scored according to a preset scoring rule, and a recommended combined payment strategy in the combined payment strategies is determined based on the recommendation degree score corresponding to each combined payment strategy, so that the target combined payment strategy can be recommended to a user, and the user can conveniently select the target combined payment strategy from the combined payment strategies;

(3) in the embodiment of the specification, a plurality of combined payment strategies corresponding to the target order are determined according to a series of standard processes such as at least one payment channel corresponding to the matched target order, the combination of the payment channels, the distribution of the amount to be paid, the availability check of the combined channels and the like, the logic process is clear, and therefore the complexity of coding can be reduced.

Corresponding to the methods provided by the embodiments shown in fig. 1 to 3, based on the same idea, one or more embodiments of the present specification further provide a payment apparatus, and fig. 4 is a schematic diagram of module composition of the payment apparatus provided by one or more embodiments of the present specification, for performing the methods provided by the embodiments shown in fig. 1 to 3 of the present specification. Fig. 4 is a schematic diagram illustrating a module composition of a payment apparatus according to one or more embodiments of the present disclosure, where as shown in fig. 4, the apparatus includes:

a determining module 402, configured to determine at least one payment channel matched with the target order and an available resource amount corresponding to each payment channel;

the combination module 404 is configured to perform payment channel combination on the at least one payment channel according to a preset channel combination rule according to the amount to be paid of the target order and each available resource amount, so as to obtain a plurality of combined payment strategies;

a payment module 406, configured to perform payment processing on the target order according to the selected target combined payment policy in the multiple combined payment policies.

In addition, the payment apparatus provided in one or more embodiments of the present disclosure may implement all the contents of the embodiments shown in fig. 1 to 3, and therefore, all the contents of the payment apparatus that can be executed may refer to the description of the embodiments shown in fig. 1 to 3, which is not described herein again.

One or more embodiments of the present specification provide a payment apparatus, which has at least the following advantages:

Further, based on the methods shown in fig. 1 to fig. 3, embodiments of the present specification further provide a payment device, as shown in fig. 5.

Payment devices may vary widely in configuration or performance and may include one or more processors 501 and memory 502, where the memory 502 may have one or more stored applications or data stored therein. Memory 502 may be, among other things, transient or persistent storage. The application program stored in memory 502 may include one or more modules (not shown), each of which may include a series of computer-executable instruction information for the payment device. Still further, the processor 501 may be configured to communicate with the memory 502 to execute a series of computer-executable instruction information in the memory 502 on the payment device. The payment apparatus may also include one or more power supplies 503, one or more wired or wireless network interfaces 504, one or more input-output interfaces 505, one or more keyboards 506, and the like.

In one particular embodiment, a payment device includes memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a sequence of computer-executable instruction information for the payment device, and configured for execution by the one or more processors the one or more programs include computer-executable instruction information for:

determining at least one payment channel matched with the target order and available resource limit corresponding to each payment channel;

according to the amount to be paid of the target order and each available resource amount, carrying out payment channel combination on at least one payment channel according to a preset channel combination rule to obtain a plurality of combined payment strategies;

and carrying out payment processing on the target order according to the selected target combined payment strategy in the plurality of combined payment strategies.

In this regard, the payment device provided in one or more embodiments of the present disclosure may implement all the contents of the embodiments shown in fig. 1 to 3, and therefore, all the contents that the payment device can execute may refer to the description of the embodiments shown in fig. 1 to 3, which is not described herein again.

One or more embodiments of the present specification provide a payment device, which has at least the following advantages:

Further, based on the methods shown in fig. 1 to fig. 3, in a specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, or the like, and when executed by a processor, the storage medium stores computer-executable instruction information that implements the following processes:

In addition, all contents of the embodiments shown in fig. 1 to fig. 3 can be realized by the computer-executable instruction information stored in the storage medium provided in one or more embodiments of the present disclosure when being executed by the processor, and therefore, all contents of the computer-executable instruction information stored in the storage medium that is executable when being executed by the processor may refer to the description of the embodiments shown in fig. 1 to fig. 3, which is not described herein again.

The storage medium storing the computer executable instruction information provided by one or more embodiments of the present specification has at least the following advantages when executed by the processor:

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: the ARC625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.

As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the specification. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instruction information. These computer program instruction information may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instruction information executed by the processor of the computer or other programmable data processing apparatus produce means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instruction information may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instruction information stored in the computer-readable memory produce an article of manufacture including instruction information means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instruction information may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instruction information executed on the computer or other programmable apparatus provides steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instruction information, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that 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 like elements in a process, method, article, or apparatus that comprises the element.

The application may be described in the general context of computer-executable instruction information, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A payment method, comprising:

2. The method of claim 1, the determining at least one payment channel for the target order match comprising:

acquiring each payment channel associated with a user on a payment platform;

and screening a payment channel for paying the target order from the payment channels to serve as the payment channel matched with the target order.

3. The method of claim 1, wherein the step of performing payment channel combination on the at least one payment channel according to a preset channel combination rule according to the amount to be paid and each available resource amount of the target order to obtain a plurality of combined payment strategies comprises:

determining a combined channel corresponding to the target order according to the amount to be paid and each available resource limit;

determining sub-payment amounts corresponding to each payment channel in the combined channel according to a preset distribution rule according to the payment priority corresponding to each payment channel in the combined channel, the available resource amount and the amount to be paid;

and determining the sub payment amounts corresponding to the combined channel and each payment channel in the combined channel as the combined payment strategy.

4. The method as claimed in claim 3, wherein the determining the combined channel corresponding to the target order according to the amount to be paid and each available resource limit comprises:

combining the at least one payment channel according to the amount to be paid and each available resource amount to obtain at least one group of combined channels;

determining the rights and interests information corresponding to the target order;

and determining a combined channel which does not comprise a payment channel mutually exclusive with the rights and interests information as a combined channel corresponding to the target order.

5. The method of claim 4, the determining a combined channel that does not include a payment channel mutually exclusive from the equity information as the combined channel corresponding to the target order, comprising:

for each group of combined channels, checking whether a payment channel contained in the combined channel is mutually exclusive with the rights and interests information;

if yes, deleting the combined channel; otherwise, determining the combined channel as the combined channel corresponding to the target order.

6. The method as claimed in claim 3, wherein the determining the combined channel corresponding to the target order according to the amount to be paid and each available resource limit comprises:

if so, deleting the rights and interests information corresponding to the target order, and determining the combined channel as the combined channel corresponding to the target order; otherwise, determining the combined channel as the combined channel corresponding to the target order.

7. The method as claimed in claim 3, wherein the determining the sub-payment amount corresponding to each payment channel in the combined channel according to the payment priority, the available resource amount and the amount to be paid corresponding to each payment channel in the combined channel according to a preset distribution rule comprises:

aiming at a payment channel with the payment priority ranked at the top N-1 in the combined channel, determining an available resource limit corresponding to the payment channel as a sub-payment amount corresponding to the payment channel; wherein N is the number of payment channels contained in the combined channel;

determining the resource difference value of the total amount of the available resources corresponding to each payment channel with the payment priority ranked at the top N-1;

and determining the resource difference value as a sub-payment amount corresponding to a payment channel with the Nth payment priority in the combined channel.

8. The method of claim 7, wherein the determining the sub-payment amount corresponding to each payment channel in the combined channel according to the payment priority, the available resource amount and the amount to be paid corresponding to each payment channel in the combined channel according to a preset distribution rule further comprises:

judging whether the payment channel has corresponding payment right information or not aiming at each payment channel in the combined channels;

if the payment right information exists in the payment channel with the payment priority ranked at the top N-1, determining a sub-payment amount corresponding to the payment channel based on the available resource amount and the payment right information; and if the payment right information exists in the payment channel with the Nth payment priority, determining the sub-payment amount corresponding to the payment channel based on the resource difference value and the payment right information.

9. The method of claim 3, prior to determining the combined channel and the sub-payment amounts corresponding to each of the payment channels in the combined channel as the combined payment policy, the method further comprising:

carrying out availability check on the combined channel;

and if the availability check is passed, determining the combined channel and the sub payment amount corresponding to each payment channel in the combined channel as the combined payment strategy.

10. The method of claim 9, the verifying the availability of the combined channel comprising:

and verifying whether the available resource quota corresponding to each payment channel in the combined channel is larger than or equal to the sub-payment amount corresponding to the payment channel, and verifying whether the total available resource quota corresponding to each payment channel in the combined channel is larger than or equal to the amount to be paid.

11. The method of claim 1, prior to performing payment processing for the target order in accordance with the selected target combined payment policy of the plurality of combined payment policies, the method further comprising:

12. The method of claim 1, prior to performing payment processing for the target order in accordance with the selected target combined payment policy of the plurality of combined payment policies, the method further comprising:

determining a recommended combined payment strategy corresponding to the target order from the plurality of combined payment strategies;

and displaying the recommended combined payment strategy and other combined payment strategies in the plurality of combined payment strategies to the user according to a preset display rule.

13. The method of claim 12, wherein determining the recommended combined payment policy for the target order from the plurality of combined payment policies comprises:

scoring the recommendation degrees of the multiple combined payment strategies according to a preset scoring rule;

and determining the combined payment strategy with the highest recommendation degree score in the plurality of combined payment strategies as the recommended combined payment strategy.

14. The method of claim 1, wherein said processing payment for said target order in accordance with a selected target combined payment policy of said plurality of combined payment policies comprises:

generating a resource deduction instruction corresponding to the target combined payment strategy; the resource deduction instruction comprises sub-resource deduction instructions corresponding to all payment channels in the target combined payment strategy;

and sending each sub-resource deduction instruction to a corresponding payment channel so that the payment channel executes resource deduction operation based on the sub-resource deduction instruction.

15. The method of claim 1, further comprising, after the processing of the payment for the target order according to the selected target combined payment policy of the plurality of combined payment policies, the method:

displaying payment result information corresponding to the target order to the user; and the payment result information comprises sub payment amounts corresponding to each payment channel.

16. A payment device, comprising:

the determining module is used for determining at least one payment channel matched with the target order and available resource limit corresponding to each payment channel;

the combination module is used for carrying out payment channel combination on the at least one payment channel according to a preset channel combination rule and the amount to be paid of the target order and each available resource limit to obtain a plurality of combined payment strategies;

and the payment module is used for carrying out payment processing on the target order according to the selected target combined payment strategy in the plurality of combined payment strategies.

17. A payment device, comprising:

a processor; and

a memory arranged to store computer executable instructions that, when executed, cause the processor to:

18. A storage medium storing computer-executable instructions that, when executed, implement the following: