CN113419794B

CN113419794B - Payment processing method and device

Info

Publication number: CN113419794B
Application number: CN202110743254.2A
Authority: CN
Inventors: 孔玥; 施春艳; 沈恺
Original assignee: Ant Zhixin Hangzhou Information Technology Co ltd
Current assignee: Ant Zhixin Hangzhou Information Technology Co ltd
Priority date: 2021-06-30
Filing date: 2021-06-30
Publication date: 2022-05-06
Anticipated expiration: 2041-06-30
Also published as: CN113419794A

Abstract

The embodiment of the specification provides a payment processing method and a payment processing device, wherein the payment processing method comprises the following steps: acquiring order information of a transaction order of a user, and comparing the order amount contained in the order information with the available credit line of the user; if the order amount is larger than the available credit line, detecting whether the payment condition of a supplementary payment channel contained in a payment channel corresponding to the available credit line is triggered; if yes, determining a target credit card for performing staged payment on the transaction order from the credit cards bound to the supplementary payment channel; calling a cash register platform according to the payment instruction of the user to perform payment rendering, and performing staged payment processing of the transaction order based on the target credit card.

Description

Payment processing method and device

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a payment processing method and apparatus.

Background

With the continuous development of online transactions, more and more people choose to carry out online shopping on an electronic transaction platform, products related to transactions are more and more abundant, and related amounts are more and more large, for the electronic transaction platform which provides transaction matching for merchants and users, the willingness of the users to participate in the transactions is improved by providing a staged payment mode of transaction products, and a certain amount for staging is distributed to the users by introducing a credit system, but under the condition of larger transaction amounts, the amount distributed to the users often cannot meet the requirements of the users, and further the willingness of the users to participate in the transactions is reduced.

Disclosure of Invention

One or more embodiments of the present specification provide a payment processing method, including: the method comprises the steps of obtaining order information of a transaction order of a user, and comparing the order amount contained in the order information with the available credit line of the user. If the order amount is larger than the available credit line, detecting whether the payment condition of a supplementary payment channel contained in a payment channel corresponding to the available credit line is triggered; if yes, determining a target credit card for performing staged payment on the transaction order from the credit cards bound to the supplementary payment channel. Calling a cash register platform according to the payment instruction of the user to perform payment rendering, and performing staged payment processing of the transaction order based on the target credit card.

One or more embodiments of the present specification provide a payment processing apparatus comprising: the order information acquisition module is configured to acquire order information of a transaction order of a user and compare the order amount contained in the order information with the available credit line of the user. The payment condition detection module is configured to detect whether the payment condition of a supplementary payment channel contained in a payment channel corresponding to the available credit line is triggered or not if the order amount is larger than the available credit line; if yes, the credit card determining module and the installments payment processing module are operated. The credit card determination module is configured to determine a target credit card for performing installment payment on the transaction order among the credit cards bound to the supplementary payment channel. The installment payment processing module is configured to call a cash register platform to perform payment rendering according to the payment instruction of the user, and perform installment payment processing of the transaction order based on the target credit card.

One or more embodiments of the present specification provide a server, including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: the method comprises the steps of obtaining order information of a transaction order of a user, and comparing the order amount contained in the order information with the available credit line of the user. If the order amount is larger than the available credit line, detecting whether the payment condition of a supplementary payment channel contained in a payment channel corresponding to the available credit line is triggered; if yes, determining a target credit card for performing staged payment on the transaction order from the credit cards bound to the supplementary payment channel. Calling a cash register platform according to the payment instruction of the user to perform payment rendering, and performing staged payment processing of the transaction order based on the target credit card.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following: the method comprises the steps of obtaining order information of a transaction order of a user, and comparing the order amount contained in the order information with the available credit line of the user. If the order amount is larger than the available credit line, detecting whether the payment condition of a supplementary payment channel contained in a payment channel corresponding to the available credit line is triggered; if yes, determining a target credit card for performing staged payment on the transaction order in the credit cards bound in the supplementary payment channel. Calling a cash register platform according to the payment instruction of the user to perform payment rendering, and performing staged payment processing of the transaction order based on the target credit card.

Drawings

In order to more clearly illustrate one or more embodiments or technical solutions in the prior art in the present specification, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without inventive exercise;

fig. 1 is a process flow diagram of a payment processing method according to one or more embodiments of the present disclosure;

FIG. 2 is a process flow diagram of an interim agreement signing process provided by one or more embodiments of the present specification;

FIG. 3 is a process flow diagram of a payment processing method applied to a transaction scenario provided by one or more embodiments of the present disclosure;

FIG. 4 is a schematic diagram of a payment processing apparatus according to one or more embodiments of the present disclosure;

fig. 5 is a schematic structural diagram of a payment processing apparatus according to 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 one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments, which 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.

An embodiment of a payment processing method provided in this specification:

referring to fig. 1, which shows a processing flow chart of a payment processing method provided by the present embodiment, referring to fig. 2, which shows a processing flow chart of a staging agreement signing process provided by the present embodiment, and referring to fig. 3, which shows a processing flow chart of a payment processing method applied to a transaction scenario provided by the present embodiment.

Referring to fig. 1, the payment processing method provided in this embodiment specifically includes step S102 to step S108.

Step S102, obtaining order information of a transaction order of a user, and comparing the order amount contained in the order information with the available credit line of the user.

The payment processing method provided by the embodiment introduces credit card installment payment as supplement for installment payment based on the credit line of the user under a credit installment payment system, carries out installment payment processing by taking a payment channel corresponding to a credit card opened in advance as a supplement payment channel under the condition that the credit line of the user is insufficient, brings the installment payment of the credit card into the credit installment payment system, carries out installment payment on a transaction order of the user through the credit card bound by the supplement payment channel when detecting that the payment condition of the supplement payment channel is triggered, provides more comprehensive credit installment payment experience for the user, is beneficial to attracting more institutions and merchants to adding into the credit installment payment system, and is beneficial to enhancing the penetration of the credit installment payment system to different scenes.

The credit line refers to a resource usage line which is credited to the user within a specified time limit according to factors such as credit information of the user, various asset values and the like, and the user has the right to dominate the resource within the usage line within the specified time limit. Although the user has the right to draw or use the resources in the credit line, the user needs to return the resources used in the credit line within a predetermined period after using the resources in the credit line. The available credit line refers to the remaining available line part in the user's credit line, for example, 4000 yuan of credit line is granted to the user a according to the historical credit information and various asset values of the user a, and if 3000 yuan is used, the available credit line is 1000 yuan.

In this embodiment, the trade order is created by an order platform and the order information of the trade order is sent, optionally, before the order information of the trade order is obtained, a call request for the trade order sent by the order platform is obtained, where the call request includes the order information of the trade order; correspondingly, the step of obtaining the order information of the trade order refers to obtaining the order information of the trade order from a call request sent by the order platform.

And in specific implementation, according to the order amount contained in the obtained order information of the transaction order, comparing the order amount with the available credit line of the user. If the amount of the order is less than or equal to the available credit line, indicating that the remaining credit line of the user can meet the staged payment of the current transaction order, and optionally performing staged payment processing of the transaction order based on the available credit line; generating a calling result and sending the calling result to the order platform so as to respond to the calling request, rendering a settlement page of the transaction order on the order platform, and rendering a state identifier of a payment channel corresponding to the available credit line in the settlement page according to the calling result; and the user submits the payment instruction of the transaction order by triggering the payment control of the settlement page.

The status identifier is used for indicating whether the payment channel is available, for example, in an order page of a transaction order, rendering the identifier of the payment channel corresponding to the credit line of the user to be highlighted so as to indicate the available status of the payment channel corresponding to the credit line, or rendering the identifier of the payment channel corresponding to the credit line of the user to be gray so as to indicate the unavailable status of the payment channel corresponding to the credit line.

If the order amount is larger than the available credit line, the remaining credit line of the user is not enough to meet the staged payment of the transaction order, and the payment processing needs to be carried out on the transaction order through a supplementary payment channel under the payment channel, namely: the transaction order needs to be paid in stages through the credit card bound to the supplementary payment channel, and specifically, the following step S104 is performed to detect the supplementary payment channel in the payment channel. The payment channel is a payment channel for payment processing of a transaction order of a user through a credit line of the user; in this embodiment, a supplementary payment channel is further configured under the payment channel, where the supplementary payment channel is a payment channel for performing payment processing on a payment order of a user through a credit card of the user.

The embodiment integrates the credit card installment and the installment of the credit line, provides more comprehensive credit installment experience for users, can promote the propagation of a credit installment system, is beneficial to attracting more organizations and merchants to join the credit installment system, and simultaneously introduces the scene of using the credit card for payment into the credit installment system through the integration of the credit card installment and the installment of the credit line, and is beneficial to enhancing the penetration of the credit installment system in different scenes.

In specific implementation, in order to improve payment processing efficiency and reduce payment complexity in a payment processing process, in an optional implementation manner provided in this embodiment, before obtaining order information of a transaction order of a user and comparing an order amount included in the order information with an available credit line of the user, performing preferential detection processing on the transaction order, specifically includes: judging whether the discount information associated with the transaction order and the discount strategy of the payment channel are mutually exclusive or not;

if yes, freezing the supplementary payment channel, or marking preferential information associated with the transaction order as an unavailable state, and rendering an order page according to the frozen state of the supplementary payment channel or the unavailable state of the preferential information; for example, a supplementary payment channel under a payment channel corresponding to the credit line of the user is frozen, and a prompt message or a frozen identifier of the supplementary payment channel is rendered and displayed on a settlement page of the transaction order;

if not, the order information of the transaction order of the user is obtained, and the order amount contained in the order information is compared with the available credit line of the user.

In addition, in order to improve the effectiveness of payment processing, in an optional implementation manner provided in this embodiment, before obtaining order information of a transaction order of a user and comparing an order amount included in the order information with an available credit line of the user, access detection is performed on the user and/or a merchant corresponding to the transaction order; if the detection fails, the payment channel is frozen, and order page rendering is carried out according to the frozen state of the payment channel; for example, a payment channel corresponding to the credit line of the user is frozen, and the state identification of the payment channel rendered on the settlement page of the transaction order is grayed out, so that the unavailable frozen state of the payment channel is displayed; if the detection is passed, the order information of the transaction order of the user is obtained, and the order amount contained in the order information is compared with the available credit line of the user.

It should be noted that, the implementation manner for providing the preferential detection processing for the transaction order and the implementation manner for performing the access detection for the user and/or the merchant may also be split and combined according to the needs of the actual scene, for example, whether the preferential information associated with the transaction order and the preferential policy of the payment channel are mutually exclusive is judged; if yes, freezing the supplementary payment channel, or marking preferential information associated with the transaction order as an unavailable state, and rendering an order page according to the frozen state of the supplementary payment channel or the unavailable state of the preferential information; if not, performing admission detection on the user and/or a merchant corresponding to the transaction order; if the detection fails, the payment channel is frozen, and order page rendering is carried out according to the frozen state of the payment channel; if the detection is passed, the order information of the transaction order of the user is obtained, and the order amount contained in the order information is compared with the available credit line of the user.

And step S104, if the order amount is larger than the available credit line, detecting whether the payment condition of the supplementary payment channel contained in the payment channel corresponding to the available credit line is triggered.

Optionally, the payment condition includes at least one of: the order amount of the transaction order is larger than or equal to the preset staging limit, the commodity amount of each transaction commodity is recorded in the transaction order and is larger than or equal to the preset staging limit, the state of the supplementary payment channel is an open state, and the payment card bound by the supplementary payment channel comprises at least one credit card of a signed card issuing organization.

In an optional implementation manner provided in this embodiment, the detection of the payment condition of the supplementary payment channel is specifically implemented by the following method:

detecting whether the order amount of the transaction order is larger than or equal to a preset staging limit or not;

if the number of the supplementary payment channels is larger than or equal to the number of the supplementary payment channels, judging whether the state of the supplementary payment channels of the user is an opening state;

if the bank card is in the opening state, judging whether the bank card bound with the supplementary payment channel of the user contains a credit card of at least one signed card issuing organization;

and if so, determining that the payment condition of the supplementary payment channel is triggered.

In practical application, a card issuing mechanism often has a certain limit to a user to use a credit card for periodic payment, that is, the limit cannot exceed a limit granted to the user by the card issuing mechanism and cannot be smaller than a minimum amount specified by the card issuing mechanism, and in a process of issuing an order by a user in a transaction, a plurality of transaction commodities are combined and issued and paid together in many cases, for this reason, in order to avoid that the periodic payment fails due to a small commodity amount of a single transaction commodity, in an optional implementation manner provided by this embodiment, the commodity amount of the transaction commodity recorded in the transaction order is detected in the following manner:

detecting whether the commodity amount of at least one transaction commodity recorded in the transaction order is larger than or equal to a preset staging limit or not;

if the value is larger than or equal to the preset staging limit, judging whether the state of the supplementary payment channel of the user is an opening state;

if the user is in the open state, judging whether the bank card bound to the supplementary payment channel of the user contains a credit card of at least one signed card issuing organization;

if yes, determining that the payment condition of the supplementary payment channel is triggered;

if the payment channel is smaller than the preset staging limit, the payment channel is frozen, and order page rendering is carried out according to the frozen state of the payment channel; for example, a payment channel corresponding to the credit line of the user is frozen, and the status identifier of the payment channel rendered on the settlement page of the transaction order is grayed out, so that the unavailable frozen status of the payment channel is displayed.

And step S106, determining a target credit card for performing staged payment on the transaction order from the credit cards bound in the supplementary payment channel.

In specific implementation, a target credit card for performing staged payment on the transaction order is determined from the credit cards bound to the supplementary payment channel, specifically, a candidate credit card signed with a card issuing organization is determined from the credit cards bound to the supplementary payment channel based on a staging agreement signed by the user in the process of opening the supplementary payment channel; selecting an available credit card of the candidate credit cards as the target credit card according to a payment sequence pre-configured by the user.

Specifically, in an optional implementation manner provided by this embodiment, selecting an available credit card from the candidate credit cards as the target credit card according to a payment sequence configured by the user in advance includes:

selecting a candidate credit card with a payment order at the top among the candidate credit cards;

calling an algorithm model to calculate the available limit of the candidate credit card with the payment sequence at the head; for example, the remaining available amount of the credit card of the user in the current month is predicted by inputting the historical payment data of the user and the actual consumption data of the current month into a prediction model;

judging whether the order amount is smaller than the available amount of the candidate credit card with the payment sequence at the head position or not, and whether the real payment amount corresponding to the order amount is larger than or equal to a preset staging limit or not;

if yes, taking the candidate credit card with the payment sequence at the top as the available credit card;

if not, indicating that the candidate credit cards with the payment sequence at the first position are not enough to meet the staged payment processing of the transaction order, and optionally, selecting the next credit card behind the candidate credit card with the payment sequence at the first position from the candidate credit cards in a polling mode; calling an algorithm model to calculate the available limit of the inferior credit card; judging whether the order amount is smaller than the available amount of the inferior credit card or not and whether the real payment amount corresponding to the order amount is larger than or equal to a preset staging limit or not; if yes, using the secondary credit card as the available credit card; and in the same way, if the amount of the order is greater than or equal to the available amount of the next credit card, selecting the candidate credit cards with the payment sequence behind the next credit card from the candidate credit cards in a polling way to perform the processing until the available credit cards are determined.

The amount corresponding to the order amount refers to an amount actually paid from a credit card of the user, for example, if a coupon or an electronic red packet is used for a transaction order submitted by the user, the paid amount refers to an amount obtained by subtracting the coupon amount and the remaining amount of the electronic red packet amount from the total amount of the order; for example, when a user's transaction order is staged, a corresponding staging interest or staging fee is generated, and the amount paid is the total amount including the order amount and the staging interest or staging fee.

In this embodiment, after the target credit card for performing the installment payment on the transaction order is determined, in order to avoid a possible payment risk in the installment payment processing using the credit card, in an optional implementation manner provided in this embodiment, an authentication interface of a card issuing institution to which the target credit card belongs is called to perform authentication processing; if the authentication result returned by the authentication interface is authentication pass, executing the following step S108, calling a cashier platform according to the payment instruction of the user to carry out payment rendering, and carrying out the staged payment processing of the transaction order based on the target credit card;

if the authentication result returned by the authentication interface is that the authentication is not passed, the payment channel is frozen, and order page rendering is carried out according to the frozen state of the payment channel; for example, a payment channel corresponding to the credit line of the user is frozen, and the status identifier of the payment channel rendered on the settlement page of the transaction order is grayed out, so that the unavailable frozen status of the payment channel is displayed.

As described above, after the calling request for the transaction order sent by the order platform is obtained, and after the target credit card for performing staged payment processing on the transaction order is determined, in order to improve the perception of the availability of the payment channel for staged payment during the order placing process of the transaction order for the user, optionally, a calling result is generated and sent to the order platform, so as to respond to the calling request, render a settlement page of the transaction order on the order platform, and render the available state identifier of the payment channel corresponding to the available credit line and the reminding information of the supplementary payment channel in the settlement page according to the calling result; and the payment instruction of the user for the transaction order is submitted by triggering the payment control of the settlement page.

And step S108, calling a cash register platform to perform payment rendering according to the payment instruction of the user, and performing staged payment processing on the transaction order based on the target credit card.

The payment processing method provided in this embodiment is executed based on a credit platform, and after the credit platform completes detection of the payment condition of the supplementary payment channel and determines a target credit card for performing a staged payment on the transaction order from credit cards bound to the supplementary payment channel, the payment processing method invokes a cash register platform to perform payment rendering of the transaction order according to a payment instruction submitted by a user for the transaction order, and performs staged payment processing on the transaction order based on the target credit card.

In an optional implementation manner provided by this embodiment, the payment rendering is implemented in the following manner: rendering an installment payment page of the trade order; the staged payment page is configured with identification information and staged payment information of the target credit card, and/or configured with channel identification and state identification of a payment channel corresponding to the available credit line, and channel identification and state information of the supplementary payment channel.

The identification information of the target credit card comprises an institution identification of a card issuing institution of the target credit card, an institution name and/or a card number key (such as 4 digits after the card number) of the target credit card; the installment payment information comprises installment times, payment amount of each installment time, repayment date information and/or installment additional cost (such as installment charge rate or installment interest rate). If the supplemental payment channel is available, the status information of the supplemental payment channel includes: supplementing reminding information and installments payment information available for a payment channel, for example, displaying installments available reminding information of 'supporting the following installments payment mode' on an installments payment page of a transaction order, and displaying installments of 3 installments payment modes of 3 installments, 6 installments or 12 installments; if the supplemental payment channel is not available, the status information of the supplemental payment channel comprises: and supplementing reminding information that the payment channel is unavailable, such as installment unavailable reminding information that a 'unpaid credit card installment payment mode' is displayed on an installment payment page of the transaction order.

In a specific implementation, after the payment rendering of the trade order is performed by calling a cashier platform, the cashier platform performs the staged payment processing of the trade order based on the target credit card, in an optional implementation manner provided in this embodiment, the cashier platform performs the staged payment processing of the trade order by adopting the following manner:

creating a staged payment order for the trade order;

and calling a transaction settlement interface to perform settlement processing on the installments payment order and acquiring a payment result returned by the transaction settlement interface.

For example, after the cashier platform finishes rendering the installments payment page of the transaction order of the user, according to the installments payment instruction submitted by the user on the installments payment page, the payment submission is carried out by calling a transaction settlement interface provided by the online clearing platform, the installments payment processing of the transaction order is carried out by calling the installments interface of the card issuing mechanism of the target credit card by the online clearing platform, and the payment result of the installments payment is returned through the transaction settlement interface after the installments payment is finished.

On this basis, in order to improve the perception of the user on the installment payment, after the installment payment processing of the transaction order is completed, optionally, the transaction reminding information of the transaction order is generated according to the payment result, and is pushed to the user through the payment channel or the host application to which the payment channel belongs. For example, in the service of the payment channel corresponding to the credit line of the user in the payment application as the host application, generating the staged payment reminding information of the transaction order which completes the staged payment, so as to show the staged payment reminding information to the user when the user accesses the service of the payment channel corresponding to the credit line of the user; or pushing the installments payment reminding information to the user in an application message mode in the payment application.

It should be noted that, in order to improve compatibility with actual transaction scenarios, a credit staging payment system is also added for merchants and users attracting different transaction scenarios, and for staging additional fees (such as staging commission fees or staging interest) generated in the staging payment process, the present embodiment provides two modes, one of which is a "merchant interest" mode, the user performs the staging additional fees generated in the staging payment process on the transaction order, and the transaction merchant of the transaction order provides the card issuing organization to which the credit card belongs, for example, the user performs the staging payment process through the credit card, and the interest generated in staging is borne by the merchant; the second mode is a 'user payment' mode, in which the user provides the additional fee generated in the process of carrying out the installment payment on the transaction order to the card issuing institution to which the credit card belongs, for example, the user pays the interest generated in the installment to the card issuing institution of the credit card in the process of carrying out the installment payment through the credit card.

In this embodiment, the credit platform signs a contract with the card issuing mechanism of the credit card, so that the credit card of the card issuing mechanism is brought into a stage payment system of the credit platform, and a payment channel corresponding to the credit card is used as a supplementary payment channel of a payment channel corresponding to the credit line of the user.

In an optional implementation manner provided by this embodiment, the staging protocol is signed in the following manner:

inquiring at least one credit card bound to a payment account to which the available credit line of the user belongs, and displaying card information of the at least one credit card to the user;

creating and sending installment information for the at least one credit card to the user;

and generating the staging protocol of the at least one credit card as a payment card bound with a supplementary payment channel contained in the payment channel according to a signing instruction submitted by the user aiming at the staging payment invitation information.

After signing of the staging agreement is completed, in order to improve the efficiency of subsequent staging payment processing, optionally, a query interface is called to query the accounting date information of at least one credit card related in the staging agreement, and the accounting date information is stored in a database; and pushing reminding information of successful opening of the supplementary payment channel to the user.

In addition, in order to facilitate the user to access the staging information of the credit card, the account access entry of the signed credit is provided for the user, so that the occurrence probability that the user is overdue after the staging is avoided, and optionally, under the condition that the access request of the user through the supplementary payment channel in the access page of the payment channel corresponding to the available credit line is received, the account date information of at least one credit card stored in the database is read and displayed.

The following description specifically explains the signing process of the staging protocol by taking the staging protocol signing implementation process provided in steps S202 to S218 as an example.

Step S202, obtaining an access request of a supplementary payment channel submitted by a user through an access page of a payment channel corresponding to the credit line.

Step S204, judging whether a user opens a supplementary payment channel;

if yes, go to step S206;

if not, the user does not need to do processing, or the opening guide page of the supplementary payment channel is rendered and displayed.

Step S206, judging whether the user is an inviting user in the opening qualification invitation list;

if yes, go to step S208;

and if not, generating reminding information that the user does not obtain the opening qualification of the supplementary payment channel.

Step S208, judging whether the host application to which the payment channel belongs is bound with one or more credit cards of a signed card issuing organization;

if yes, go to step S210 to step S218;

if not, the reminding information of the credit card of the signed card issuing organization bound in the host application is rendered and displayed.

And step S210, rendering and displaying the card information of one or more credit cards, and displaying the protocol access control.

And step S212, acquiring a protocol signing instruction submitted by the user through the trigger protocol access control.

Step S214, generating one or more credit card staging agreements based on the agreement signing instruction.

In step S216, the inquiry interface is called to inquire the accounting date information of one or more credit cards signed with the staging agreement.

Step S218, acquiring and storing the accounting date information of one or more credit cards returned by the inquiry interface, and sending a message notification of successful opening of the credit card installment payment to the user.

The following further describes the payment processing method provided in this embodiment by taking an application of the payment processing method provided in this embodiment in a transaction scenario as an example, referring to fig. 3, the payment processing method applied in the transaction scenario specifically includes steps S302 to S318.

Step S302, order information of a trade order of a user is obtained.

Step S304, judging whether the discount information associated with the transaction order and the discount strategy of the payment channel are mutually exclusive;

if yes, freezing the payment channel, or marking the discount information associated with the transaction order as an unavailable state, and rendering an order page according to the frozen state of the supplementary payment channel or the unavailable state of the discount information;

if not, go to step S306.

Step S306, comparing the order amount contained in the order information with the available credit line of the user.

Step S308, if the order amount is larger than the available credit line, detecting whether the order amount of the transaction order is larger than or equal to a preset staging limit;

if the value is greater than or equal to the value, executing step S310;

if the ratio is less than the above range, the treatment is not required.

Step S310, judging whether the state of the supplementary payment channel of the user is an opening state;

if the status is on, go to step S312;

and if the payment channel is in the unopened state, opening invitation information of the supplementary payment channel is generated and displayed to the user.

Step S312, judging whether the bank card bound by the supplementary payment channel of the user contains a credit card of at least one signed card issuing organization;

if yes, determining that the payment condition of the supplementary payment channel is triggered, and executing the step S314 to the step S318;

and if not, determining that the payment condition of the supplementary payment channel is not triggered.

Step S314, determining candidate credit cards signed up with the card issuing institution among the credit cards bound in the supplementary payment channel based on the staging agreement signed up by the user.

And step S316, selecting available credit cards from the candidate credit cards as target credit cards according to the payment sequence configured by the user in advance.

Specifically, in the process of selecting a target credit card from the candidate credit cards, selecting the target credit card for periodic payment from the candidate credit cards in a polling manner according to a payment sequence specifically includes: selecting a candidate credit card with a payment sequence at the head among the candidate credit cards; calling an algorithm model to calculate the available limit of the candidate credit card with the payment sequence at the head; judging whether the order amount is smaller than the available amount of the candidate credit card with the payment sequence at the head, and whether the real payment amount corresponding to the order amount is larger than or equal to the preset staging limit; if yes, the candidate credit card with the payment sequence at the top is taken as the available credit card. If not, selecting a second credit card behind the first candidate credit card in the payment sequence from the candidate credit cards in a polling mode; calling an algorithm model to calculate the available limit of the inferior credit card; judging whether the order amount is less than the available amount of the inferior credit card or not and whether the real payment amount corresponding to the order amount is greater than or equal to the preset staging limit or not; if yes, the next credit card is used as the available credit card.

In addition, the cash register platform can be invoked to render a payment page corresponding to the candidate credit card and show the payment page to the user, and the candidate credit card selected by the user in the payment page is used as the target credit card.

And step S318, calling a cash register platform to perform payment rendering according to the payment instruction of the user, and performing staged payment processing of the transaction order based on the target credit card.

An embodiment of a payment processing apparatus provided in this specification is as follows:

in the above embodiments, a payment processing method is provided, and a payment processing apparatus is provided, which is described below with reference to the accompanying drawings.

Referring to fig. 4, a schematic diagram of a payment processing apparatus provided in the present embodiment is shown.

Since the apparatus embodiments correspond to the method embodiments, the description is relatively simple, and reference may be made to the corresponding description of the method embodiments provided above for relevant portions. The device embodiments described below are merely illustrative.

The present embodiment provides a payment processing apparatus, including:

an order information obtaining module 402, configured to obtain order information of a transaction order of a user, and compare an order amount included in the order information with an available credit line of the user;

a payment condition detection module 404, configured to detect whether a payment condition of a supplementary payment channel included in a payment channel corresponding to the available credit line is triggered if the order amount is greater than the available credit line;

if yes, running credit card determination module 406 and installment payment processing module 408;

the credit card determination module 406 is configured to determine a target credit card for installment payment of the transaction order among the credit cards bound to the supplementary payment channel;

the installment payment processing module 408 is configured to invoke a cash register platform to perform payment rendering according to the payment instruction of the user, and perform installment payment processing of the transaction order based on the target credit card.

The embodiment of a payment processing device provided by the specification is as follows:

corresponding to the above-described payment processing method, based on the same technical concept, one or more embodiments of the present specification further provide a payment processing apparatus for executing the above-described provided payment processing method, and fig. 5 is a schematic structural diagram of a payment processing apparatus provided in one or more embodiments of the present specification.

The present embodiment provides a payment processing apparatus, including:

as shown in fig. 5, the payment processing apparatus may have a relatively large difference due to different configurations or performances, and may include one or more processors 501 and a memory 502, where the memory 502 may store one or more stored applications or data. 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 instructions in the payment processing apparatus. Still further, the processor 501 may be arranged in communication with the memory 502, executing a series of computer executable instructions in the memory 502 on the payment processing device. The payment processing 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 processing apparatus includes a 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 series of computer-executable instructions for the payment processing apparatus, and configured for execution by the one or more processors the one or more programs include computer-executable instructions for:

acquiring order information of a transaction order of a user, and comparing the order amount contained in the order information with the available credit line of the user;

if the order amount is larger than the available credit line, detecting whether the payment condition of a supplementary payment channel contained in a payment channel corresponding to the available credit line is triggered;

if yes, determining a target credit card for performing staged payment on the transaction order from the credit cards bound to the supplementary payment channel;

calling a cash register platform according to the payment instruction of the user to perform payment rendering, and performing staged payment processing of the transaction order based on the target credit card.

An embodiment of a storage medium provided in this specification is as follows:

corresponding to the above-described payment processing method, based on the same technical concept, one or more embodiments of the present specification further provide a storage medium.

The storage medium provided in this embodiment is used to store computer-executable instructions, and when executed, the computer-executable instructions implement the following processes:

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the payment processing method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the foregoing corresponding method, and repeated details are not described here.

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 30 s of the 20 th century, improvements in a technology could clearly be distinguished 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 a 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: 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 functions of the various elements may be implemented in the same one or more pieces of software and/or hardware in practicing embodiments of the present description.

One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description 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 description has been described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions 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 instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions 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 instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions 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 instructions which execute on the computer or other programmable apparatus provide 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 instructions, 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 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.

One or more embodiments of the present description may be described in the general context of computer-executable instructions, 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. One or more embodiments of the specification 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 this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. A payment processing method, comprising:

if yes, determining a target credit card for performing staged payment on the transaction order from the credit cards bound to the supplementary payment channel; the payment condition includes at least one of: the order amount of the transaction order is greater than or equal to a preset staging limit, the commodity amount of each transaction commodity is recorded in the transaction order and is greater than or equal to the preset staging limit, the state of the supplementary payment channel is an open state, and the payment card bound by the supplementary payment channel comprises at least one credit card of a signed card issuing organization;

2. The payment processing method of claim 1, the detection of the payment condition of the supplemental payment channel comprising:

3. The payment processing method of claim 1, the detection of the payment condition of the supplemental payment channel comprising:

4. The payment processing method according to claim 1, wherein before the step of obtaining order information of a transaction order of a user and comparing an order amount contained in the order information with an available credit line of the user is executed, the method further comprises:

judging whether the discount information associated with the transaction order and the discount strategy of the payment channel are mutually exclusive or not;

if yes, the supplementary payment channel is frozen, or preferential information associated with the transaction order is marked as an unavailable state, and order page rendering is carried out according to the frozen state of the supplementary payment channel or the unavailable state of the preferential information.

5. The payment processing method according to claim 1, wherein before the step of obtaining order information of a transaction order of a user and comparing an order amount contained in the order information with an available credit line of the user is executed, the method further comprises:

carrying out admission detection on the user and/or a merchant corresponding to the transaction order;

and if the detection fails, the payment channel is frozen, and order page rendering is carried out according to the frozen state of the payment channel.

6. The payment processing method of claim 1, the determining a target credit card for an installment payment of the transaction order among the credit cards bound in the supplemental payment channel, comprising:

determining candidate credit cards signed with a card issuing organization in the credit cards bound with the supplementary payment channel based on the staging agreement signed by the user in the process of opening the supplementary payment channel;

selecting an available credit card of the candidate credit cards as the target credit card according to a payment sequence pre-configured by the user.

7. The payment processing method of claim 6, the selecting an available credit card of the candidate credit cards as the target credit card in a payment order pre-configured by the user comprising:

calling an algorithm model to calculate the available limit of the candidate credit card with the payment sequence at the head position;

if yes, the candidate credit card with the payment sequence at the top is taken as the available credit card.

8. The payment processing method as claimed in claim 7, wherein if the determining whether the order amount is less than the available credit of the candidate credit card with the payment sequence at the top and whether the real payment amount corresponding to the order amount is greater than or equal to the preset installment limit is not, the following operations are performed:

selecting a second-place credit card following the candidate credit card having the payment order of the first place among the candidate credit cards in a polling manner;

calling an algorithm model to calculate the available limit of the inferior credit card;

judging whether the order amount is smaller than the available amount of the inferior credit card or not and whether the real payment amount corresponding to the order amount is larger than or equal to a preset staging limit or not;

if yes, the secondary credit card is used as the available credit card.

9. The payment processing method of claim 1, further comprising, after the step of determining a target credit card for the installment payment of the transaction order from the credit cards bound to the supplementary payment channel is executed, and before the step of invoking a cash platform for payment rendering according to the payment instruction of the user and executing the installment payment processing step of the transaction order based on the target credit card is executed:

calling an authentication interface of a card issuing mechanism to which the target credit card belongs to perform authentication processing;

and if the authentication result returned by the authentication interface is authentication pass, executing the step of calling a cashier platform according to the payment instruction of the user to carry out payment rendering, and carrying out the staged payment processing of the transaction order based on the target credit card.

10. The payment processing method according to claim 1, wherein before the step of obtaining order information of a transaction order of a user and comparing an order amount contained in the order information with an available credit line of the user is executed, the method further comprises:

and acquiring a calling request aiming at the trade order sent by an order platform, wherein the calling request comprises order information of the trade order.

11. The payment processing method according to claim 10, wherein if the order amount of the transaction order is less than or equal to the available credit line, the staged payment processing of the transaction order is performed based on the available credit line;

generating a calling result and sending the calling result to the order platform so as to respond to the calling request, rendering a settlement page of the transaction order on the order platform, and rendering a state identifier of a payment channel corresponding to the available credit line in the settlement page according to the calling result;

wherein the payment instruction is submitted by triggering a payment control of the settlement page.

12. The payment processing method of claim 10, further comprising, after the step of determining a target credit card for performing an installment payment on the trade order among the credit cards bound to the supplementary payment channel is executed, and before the step of invoking a cash platform for performing a payment rendering according to a payment instruction of the trade order and performing an installment payment processing step of the trade order according to the target credit card is executed:

generating a calling result and sending the calling result to the order platform so as to respond to the calling request, rendering a settlement page of the transaction order on the order platform, and rendering an available state identifier of a payment channel corresponding to the available credit line and reminding information of the supplementary payment channel in the settlement page according to the calling result;

13. The payment processing method of claim 1, the payment rendering, comprising:

rendering an installment payment page of the trade order;

the staged payment page is configured with identification information and staged payment information of the target credit card, and/or configured with channel identification and state identification of a payment channel corresponding to the available credit line, and channel identification and state information of the supplementary payment channel.

14. The payment processing method of claim 1, the processing of the staged payment for the trade order based on the target credit card comprising:

creating a staged payment order for the trade order;

15. The payment processing method of claim 14, further comprising:

and generating transaction reminding information of the transaction order according to the payment result, and pushing the transaction reminding information to the user through the payment channel or a host application to which the payment channel belongs.

16. The payment processing method of claim 6, the staging agreement being signed in the following manner:

creating and sending to the user installment information for the at least one credit card;

17. The payment processing method of claim 16, further comprising:

calling an inquiry interface to inquire the accounting date information of at least one credit card related in the payment agreement, and storing the accounting date information into a database;

and pushing reminding information of successful opening of the supplementary payment channel to the user.

18. The payment processing method of claim 17, further comprising:

and reading and displaying the accounting date information of the at least one credit card stored in the database when receiving an access request of the user for the supplementary payment channel in an access page of the payment channel corresponding to the available credit line.

19. The payment processing method of claim 1, the payment processing method being performed based on a credit platform,

the additional fee generated in the process of carrying out installments payment on the transaction order by the user is provided to the card issuing organization to which the credit card belongs by the transaction merchant of the transaction order;

alternatively, the user may provide additional fees incurred in the staged payment for the transaction order to the issuer to which the credit card belongs.

20. A payment processing apparatus comprising:

the order information acquisition module is configured to acquire order information of a transaction order of a user and compare the order amount contained in the order information with the available credit line of the user;

the payment condition detection module is configured to detect whether the payment condition of a supplementary payment channel contained in a payment channel corresponding to the available credit line is triggered or not if the order amount is larger than the available credit line; the payment condition includes at least one of: the order amount of the transaction order is greater than or equal to a preset staging limit, the commodity amount of each transaction commodity is recorded in the transaction order and is greater than or equal to the preset staging limit, the state of the supplementary payment channel is an open state, and the payment card bound by the supplementary payment channel comprises at least one credit card of a signed card issuing organization;

if yes, operating a credit card determining module and a staged payment processing module;

the credit card determination module is configured to determine a target credit card for performing staged payment on the transaction order from among the credit cards bound to the supplementary payment channel;

the installment payment processing module is configured to call a cash register platform to perform payment rendering according to the payment instruction of the user, and perform installment payment processing of the transaction order based on the target credit card.

21. A payment processing apparatus comprising:

a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to:

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