CN116777448A - Multi-channel payment configuration method and device, electronic equipment, storage medium and vehicle - Google Patents

Multi-channel payment configuration method and device, electronic equipment, storage medium and vehicle Download PDF

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Publication number
CN116777448A
CN116777448A CN202310630094.XA CN202310630094A CN116777448A CN 116777448 A CN116777448 A CN 116777448A CN 202310630094 A CN202310630094 A CN 202310630094A CN 116777448 A CN116777448 A CN 116777448A
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CN
China
Prior art keywords
payment
template
channel
payment channel
mode
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CN202310630094.XA
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Chinese (zh)
Inventor
张川
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Chongqing Changan Automobile Co Ltd
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Chongqing Changan Automobile Co Ltd
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Priority to CN202310630094.XA priority Critical patent/CN116777448A/en
Publication of CN116777448A publication Critical patent/CN116777448A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]

Abstract

The invention relates to a multi-channel payment configuration method, a device, electronic equipment, a storage medium and a vehicle, wherein the method comprises the following steps: the payment system binds the payment mode and the payment channel through the payment channel code based on the association relation between the payment channel code and the payment channel, and binds the payment mode and the template through the template ID based on the association relation between the template ID and the template. According to the invention, the template engine system is used for configuring the template, the payment channel is used for configuring the system configuration channel, the payment system is used for configuring the payment mode to be related to the payment channel, and the payment mode is used for configuring the payment mode related template, so that the newly added payment channel and the newly added and payment modes can be dynamically configured, the payment requirements of multiple payment modes of multiple payment channels required by the mall system are met, and the technical problem of low payment mode efficiency of the newly added payment channel is solved.

Description

Multi-channel payment configuration method and device, electronic equipment, storage medium and vehicle
Technical Field
The invention relates to the technical field of mall system payment, in particular to a multi-channel payment configuration method, a multi-channel payment configuration device, electronic equipment, a storage medium and a vehicle.
Background
With the continuous development of the mall system, the number of users is increasing, and the selection of payment modes by different users is diversified. The mall system supports multiple payment modes of multiple payment channels to pay so as to meet the requirements of more users and expand the payment range; the multiple payment modes of the multiple payment channels can provide the selection of the multiple payment modes, so that the payment risk is reduced, and the payment safety is improved; meanwhile, the system supports multiple payment modes of multiple payment channels to pay, so that the income source of a mall system can be increased, the business development is promoted, and the viscosity of a user is increased. In this regard, it is important how to meet the multiple payment requirements of multiple payment channels and multiple payment modes required by the mall system.
When any payment service is initiated, the existing method at least generates order information, merchant information, payment channel information and service interface parameters of the payment service; calling a unified service interface according to the service interface parameters, and receiving order information, merchant information and payment channel information; calling a corresponding interceptor to intercept the data of the payment service so as to carry out security verification; and the unified service interface packages the order information into a request message with a corresponding format according to the payment channel information, sends the request message to the third party payment mechanism interface, receives the returned data, analyzes the response message packaged into the unified format, and returns the response message to the merchant to complete the payment service.
However, it is easy to see through the above method that although a new payment method is provided for the payment channel, the method is not flexible enough and has the technical problem of low efficiency of the payment method of the new payment channel.
Disclosure of Invention
In order to overcome the problems in the related art, the invention provides a multi-channel payment configuration method, a multi-channel payment configuration device, electronic equipment, a storage medium and a vehicle.
According to a first aspect of an embodiment of the present invention, there is provided a multi-channel payment configuration method, the method including:
the payment system obtains the association relation between the payment channel codes and the payment channels through the payment channel configuration system in advance, and obtains the association relation between the template ID and the template through the template engine system in advance;
the payment system binds a payment mode and the payment channel through the payment channel code based on the association relation between the payment channel code and the payment channel, and binds the payment mode and the template through the template ID based on the association relation between the template ID and the template.
Optionally, before the step that the payment system obtains the association relationship between the payment channel code and the payment channel in advance through the payment channel configuration system, and obtains the association relationship between the template ID and the template in advance through the template engine system, the method includes:
And under the condition that a first input of a user to a payment channel configuration system interface is received, the payment channel configuration system responds to the first input, configures a payment channel code, configures parameter information of a payment channel, and stores the payment channel code and the parameter information of the payment channel into the background of the payment channel configuration system in a one-to-one correspondence manner.
Optionally, before the step that the payment system obtains the association relationship between the payment channel code and the payment channel in advance through the payment channel configuration system, and obtains the association relationship between the template ID and the template in advance through the template engine system, the method includes:
under the condition that a second input of a user to a template engine system interface is received, the template engine system responds to the second input, configures a template ID corresponding to the template, stores the template and the template ID in a template engine background in a one-to-one correspondence mode, wherein the template engine system comprises a template engine management platform and the template engine background, the template engine management platform comprises an attribute configuration module and a drawing area module, the attribute configuration module is used for configuring the name of the template, configuring the template ID, configuring a monitor corresponding to the template, and the drawing area module is used for configuring a flow graph corresponding to a payment mode.
Optionally, before the step that the payment system obtains the association relationship between the payment channel code and the payment channel in advance through the payment channel configuration system, and obtains the association relationship between the template ID and the template in advance through the template engine system, the method includes:
under the condition that a third input of a user to a payment system interface is received, the payment system responds to the third input, configures a payment mode code, configures return parameter information of the payment mode, and stores the payment mode code and the return parameter information in a one-to-one correspondence manner to a payment system background.
According to a second aspect of an embodiment of the present invention, there is provided a payment method, the payment including a payment channel and a payment manner corresponding to the payment channel, wherein an association configuration is implemented between the payment channel and the payment manner according to the multi-channel payment configuration method as set forth in any one of claims 1 to 4, the method including:
under the condition that a payment request sent by a client is detected, a payment system sends a data calling request to a template engine system, wherein the payment request comprises a payment channel and a payment mode corresponding to the payment channel;
When the template engine system receives the data call request sent by the payment system through a monitor, the template engine system acquires the parameter information of the payment channel through a payment channel code stored in a payment channel configuration system background, acquires the return parameter information of the payment mode through a payment mode code stored in the payment system background, and acquires a template through a template ID stored in the template engine background;
executing a flow chart corresponding to a payment mode configured in the template under the condition that the template engine system detects that the template is triggered;
generating an execution result and sending the execution result to the payment system when the template engine system detects that the flow pattern is executed;
and when the payment system receives the execution result, the execution result is sent to the client so that the execution result is displayed on a client interface.
According to a third aspect of embodiments of the present invention, there is provided a multi-channel payment arrangement device, the device comprising:
the data acquisition module is used for acquiring the association relation between the payment channel codes and the payment channels through the payment channel configuration system in advance and acquiring the association relation between the template ID and the template through the template engine system in advance;
The data configuration module is used for binding a payment mode and a payment channel through the payment channel code based on the association relation between the payment channel code and the payment channel, and binding the payment mode and the template through the template ID based on the association relation between the template ID and the template.
Optionally, the apparatus includes:
the payment channel configuration module is used for responding to the first input when the payment channel configuration system receives the first input of the user to the payment channel configuration system interface, configuring the payment channel code, configuring the parameter information of the payment channel and storing the payment channel code and the parameter information of the payment channel into the payment channel configuration system background in a one-to-one correspondence mode.
Optionally, the apparatus includes:
the template configuration module is used for responding to the second input when the template engine system receives the second input of the user to the template engine system interface, configuring a template ID corresponding to the template, storing the template and the template ID in a template engine background in a one-to-one correspondence mode, wherein the template engine system comprises a template engine management platform and a template engine background, the template engine management platform comprises an attribute configuration module and a drawing area module, the attribute configuration module is used for configuring the name of the template, configuring the template ID, configuring a monitor corresponding to the template, and the drawing area module is used for configuring a flow graph corresponding to a payment mode.
Optionally, the apparatus includes:
the payment mode configuration module is used for responding to the third input when the payment system receives the third input of the user to the payment system interface, configuring the payment mode code, configuring the return parameter information of the payment mode, and storing the payment mode code and the return parameter information into the payment system background in a one-to-one correspondence mode.
According to a fourth aspect of embodiments of the present invention, there is provided a payment apparatus, the payment including a payment channel and a payment manner corresponding to the payment channel, wherein an association configuration is implemented between the payment channel and the payment manner according to a multi-channel payment configuration method as set forth in any one of claims 1 to 4, the apparatus comprising:
the system comprises a data request module, a template engine system and a data calling module, wherein the data request module is used for sending a data calling request to the template engine system by a payment system under the condition that a payment request sent by a client is detected, and the payment request comprises a payment channel and a payment mode corresponding to the payment channel;
the data acquisition module is used for acquiring the parameter information of the payment channel through the payment channel code stored in the background of the payment channel configuration system when the template engine system receives the data call request sent by the payment system through the monitor, acquiring the return parameter information of the payment mode through the payment mode code stored in the background of the payment system and acquiring a template through the template ID stored in the background of the template engine;
The execution flow module is used for executing a flow graph corresponding to a payment mode configured in the template under the condition that the template engine system detects that the template is triggered;
the execution result generation module is used for generating an execution result and sending the execution result to the payment system when the template engine system detects that the execution of the flow pattern is finished;
and the client display module is used for sending the execution result to a client when the payment system receives the execution result so as to display the execution result on a client interface.
According to a fifth aspect of an embodiment of the present invention, there is provided an electronic apparatus including:
a processor;
a memory for storing the processor-executable instructions;
wherein the processor is configured to execute the instructions to implement the multi-channel payment configuration method of the first aspect or the payment method of the second aspect.
According to a sixth aspect of embodiments of the present invention, there is provided a computer readable storage medium, which when executed by a processor of a mobile terminal, causes the mobile terminal to perform the multi-channel payment configuration method according to the first aspect of the present invention, or the payment method according to the second aspect.
According to a seventh aspect of embodiments of the present invention, there is provided a vehicle comprising the multi-channel payment arrangement device according to the third aspect of the present invention, or the payment device according to the fourth aspect.
The technical scheme provided by the embodiment of the invention can comprise the following beneficial effects:
the invention obtains the association relation between the payment channel code and the payment channel through the payment channel configuration system in advance and obtains the association relation between the template ID and the template through the template engine system in advance; the payment system binds the payment mode and the payment channel through the payment channel code based on the association relation between the payment channel code and the payment channel, and binds the payment mode and the template through the template ID based on the association relation between the template ID and the template. The invention is applied to the technical field of mall system payment, and the template engine system is used for configuring the template, the payment channel is used for configuring the system configuration channel, the payment system is used for configuring the payment mode to be related to the payment channel, and the payment mode is used for configuring the payment mode related template, so that the newly added payment channel and the newly added payment mode can be dynamically configured, the payment requirements of multiple payment modes of multiple payment channels required by the mall system are met, and the technical problem of low efficiency of the payment mode of the newly added payment channel is solved.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention as claimed.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description, serve to explain the principles of the invention.
FIG. 1 is a flowchart illustrating steps of a method of multi-channel payment configuration, in accordance with an exemplary embodiment;
FIG. 2 is a flowchart illustrating steps of a payment method, according to an exemplary embodiment;
FIG. 3 is a device block diagram of a multi-channel payment configuration device, according to an example embodiment;
FIG. 4 is a device block diagram of a payment device, according to an example embodiment;
FIG. 5 is a schematic diagram of a template engine management platform, shown in accordance with an exemplary embodiment;
FIG. 6 is a schematic diagram of an application scenario of a multi-channel payment configuration method, according to an example embodiment;
fig. 7 is a block diagram of an electronic device, according to an example embodiment.
Detailed Description
Reference will now be made in detail to exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numbers in different drawings refer to the same or similar elements, unless otherwise indicated. The implementations described in the following exemplary examples do not represent all implementations consistent with the invention. Rather, they are merely examples of apparatus and methods consistent with aspects of the invention as detailed in the accompanying claims.
A first embodiment of the present invention relates to a multi-channel payment configuration method, and fig. 1 is a flowchart illustrating steps of a multi-channel payment configuration method according to an exemplary embodiment, as shown in fig. 1, including the steps of:
step 101, a payment system obtains the association relation between a payment channel code and a payment channel through a payment channel configuration system in advance, and obtains the association relation between a template ID and a template through a template engine system in advance.
In the embodiment of the invention, the payment channel configuration system stores the payment channel code and the payment channel corresponding to the payment channel code, and the template engine system stores the template ID and the template corresponding to the template ID. Therefore, the payment system can acquire the association relationship between each payment channel code and the payment channel corresponding to each payment channel code through the payment channel configuration system, and can also acquire the association relationship between each template ID and the template corresponding to each template ID through the template engine system. It should be noted that, the payment channels are channels on the platform for supporting the payment of the user, and these payment channels help the platform user to complete the payment of the transaction amount, and support the fund circulation, account checking and clearing between the platform and the bank, such as micro-communication, payment treasures, communication treasures, and the like.
Step 102, the payment system binds the payment mode and the payment channel through the payment channel code based on the association relationship between the payment channel code and the payment channel, and binds the payment mode and the template through the template ID based on the association relationship between the template ID and the template.
It should be noted that, in the embodiment of the present invention, the payment mode refers to a plurality of payment shortcuts selected from the forms of purchasing or consuming the payment, for example: two-dimensional code payment, H5 payment, APP payment and the like. The payment system can provide the payment capability of multiple payment modes, and after the payment system obtains the association relationship between the payment channel codes and the payment channels corresponding to the payment channel codes through the payment channel configuration system, the payment system binds the payment modes and the payment channels through the payment channel codes according to the association relationship between the payment channel codes and the payment channels corresponding to the payment channel codes, namely the payment modes and the payment channels are corresponding through the payment channel codes; after the payment system obtains the association relationship between the template ID and the template corresponding to the template ID through the template engine system, the payment system binds the payment mode and the template through the template ID according to the association relationship between the template ID and the template corresponding to the template ID, namely the payment mode and the template are corresponding through the template ID.
Specifically, as shown in fig. 6, the APP payment mode and the WeChat payment channel are corresponding through WeChat payment channel codes, and the APP payment mode and the template are corresponding through template IDs.
Further, in the embodiment of the present invention, the following steps are further included before step 101: and under the condition that the first input of the user to the payment channel configuration system interface is received, the payment channel configuration system responds to the first input, configures the payment channel code, configures the parameter information of the payment channel, and stores the payment channel, the payment channel code and the parameter information of the payment channel into the background of the payment channel configuration system in a one-to-one correspondence mode.
It should be noted that, in the embodiment of the present invention, the payment channel configuration system is mainly used for implementing configuration of payment channel codes and configuration of parameter information of payment channels, where the parameter information of the payment channels includes: payment credentials, public and private keys for payments, app id, payment callback address, etc. For example: and when a payment channel WeChat is newly added, the payment channel code of the WeChat can be configured as WX_CHANEL, and parameter information of the WeChat can be also configured, wherein the parameter information comprises "certP12Path", "certPath", "mchId", "platformCertPath", "apiKey", "appId", "keyPath", "domain", "serverUrl", "apiKey3", "appCode" and the like.
When detecting that the user performs the configuration operation on the interface of the payment channel configuration system, the payment channel configuration system responds to the configuration operation performed by the user and can configure the payment channel, including: and configuring a payment channel code of the payment channel and configuring parameter information of the payment channel. When the payment channel configuration system completes the configuration of the payment channel code of the payment channel and the configuration of the parameter information of the payment channel, the configured payment channel, the payment channel code corresponding to the payment channel and the parameter information of the payment channel can be stored in the background of the payment channel configuration system.
Further, in the embodiment of the present invention, the following steps are further included before step 101: under the condition that a second input of a user to a template engine system interface is received, the template engine system responds to the second input, configures a template ID corresponding to the template, and stores the template and the template ID in a template engine background in a one-to-one correspondence mode, wherein the template engine system comprises a template engine management platform and the template engine background, the template engine management platform comprises an attribute configuration module and a drawing area module, the attribute configuration module is used for configuring the name of the template, configuring the template ID, configuring a monitor corresponding to the template, and the drawing area module is used for configuring a flow chart corresponding to a payment mode.
It should be noted that, in the embodiment of the present invention, the template engine system is a tool for combining data and templates to finally generate text output, and includes a template engine management platform and a template engine background. As shown in fig. 5, the template engine management platform includes 5 modules, a toolbar module, a graphic module, a parameter configuration module, a drawing area module, and an attribute configuration module.
The toolbar module is a common toolbar and can perform operations such as file opening, file shrinking, file enlarging, file resetting, zooming, centering, rollback, emptying, advancing, storing, previewing (xml/svg/picture), downloading and the like.
The graphics module contains various shapes required by the flow diagrams, such as start, end events, tasks, gateways, etc., with different flow diagrams representing different execution logic.
The parameter configuration module may be used to select necessary parameter information required for configuring the execution of the template engine, including the type of parameter and the parameter KEY.
The drawing area module is the most important part in the template engine system, and can enable a user to configure corresponding flow charts according to the payment channel and the flow needed by the payment mode corresponding to the payment channel.
The attribute configuration module may be configured to configure a name of the template, that is, a name of the template that configures the payment channel and a payment manner corresponding to the payment channel, for example: the name of the template can be configured into WeChat-APP payment, weChat-two-dimensional code payment, payment Bao-APP payment, payment Bao-two-dimensional code payment and the like; the method can also be used for configuring the template ID corresponding to the template; the method can also be used for configuring the monitor corresponding to the template, namely, making an executing monitor for the template, so that the background of a subsequent template engine can conveniently monitor the template through the monitor.
When detecting that the user performs a configuration operation on the interface of the template engine system, the template engine system may configure the template in response to the configuration operation performed by the user, including: configuring a template and configuring a template ID corresponding to the template. In the case that the template engine system completes configuring the template and configuring the template ID corresponding to the template, the configured template and the template ID corresponding to the template may be stored in the background of the template engine.
Further, in the embodiment of the present invention, the following steps are further included before step 101: under the condition that the payment system receives a third input of a user to the payment system interface, responding to the third input, configuring a payment mode code, configuring return parameter information of the payment mode, and storing the payment mode, the payment mode code and the return parameter information into a payment system background in a one-to-one correspondence mode.
It should be noted that, in the embodiment of the present invention, the payment system is a core for implementing the entire technical solution, and provides the capability of configuring the payment mode.
Specifically, when detecting that the user performs a configuration operation on the interface of the payment system, the payment system may configure a payment manner in response to the configuration operation performed by the user, including: the payment means code configuring the payment means and the return parameter system information configuring the payment means. When the payment system completes the payment method encoding for configuring the payment method and the return parameter system information for configuring the payment method, the configured payment method, the payment method encoding corresponding to the payment method, and the return parameter system information corresponding to the payment method may be stored in the background of the payment system, where the return parameter information corresponding to the payment method may be a two-dimensional code, for example: when the payment mode is two-dimensional code payment, then the return parameter information of the payment mode is two-dimensional code.
The template engine system is a general tool based on templates and data to be changed and used for generating output texts (HTML webpages, emails, configuration files, source codes and the like), namely when different templates are needed, only basic graphic modules are needed to be combined, and different data are added in corresponding flow graphs to flexibly configure the needed templates.
A second embodiment of the present invention relates to a payment method, fig. 2 is a payment method according to an exemplary embodiment, as shown in fig. 2, comprising the steps of:
in step 201, in the case that the payment request sent by the client is detected, the payment system sends a data call request to the template engine system, wherein the payment request includes a payment channel and a payment mode corresponding to the payment channel.
It should be noted that, in the embodiment of the present invention, when the payment system detects that the user initiates a payment request to a commodity at the client, the payment system sends a data call request to the template engine system, where the payment channel and the payment mode corresponding to the payment channel in the payment request.
Specifically, for example: when the payment system detects that a user initiates a payment request of a WeChat APP on a commodity at a client, the payment system sends a data call request to a template engine system.
Step 202, when the template engine system receives a data call request sent by the payment system through the monitor, the template engine system obtains parameter information of the payment channel through a payment channel code stored in a payment channel configuration system background, obtains return parameter information of a payment mode through a payment mode code stored in the payment system background, and obtains a template through a template ID stored in the template engine background.
In the embodiment of the invention, when the template engine system receives the data call request sent by the payment system through the monitor, the template engine system can acquire the parameter information of the corresponding payment channel through the payment channel code stored in the payment channel configuration system background because the payment channel after the configuration is stored in the payment channel configuration system background, the payment channel code corresponding to the payment channel and the parameter information of the payment channel; the background of the payment system stores the configured payment mode, the payment mode code corresponding to the payment mode and the return parameter system information corresponding to the payment mode, so that the template engine system can acquire the return parameter information of the corresponding payment mode through the payment mode code stored in the background of the payment system; because the background of the template engine stores the template with the configured template and the template ID corresponding to the template, the template engine system can acquire the corresponding template through the template ID stored in the background of the template engine.
Specifically, for example: when a user initiates a payment request of a WeChat APP for a commodity at a client, and the template engine system receives a data call request sent by a payment system through a monitor, the template engine system can acquire parameter information of a corresponding WeChat payment channel through WeChat payment channel codes stored in a background of a payment channel configuration system, the template engine system can acquire return parameter information of the corresponding APP payment mode through APP payment mode codes stored in the background of the payment system, and the template engine system can acquire a corresponding WeChat APP payment template through a WeChat APP payment template ID stored in the background of the template engine.
And 203, executing a flow chart corresponding to the payment mode configured in the template under the condition that the template engine system detects that the template is triggered.
In the embodiment of the present invention, when the template engine system receives the trigger of the template through the monitor, the template engine system may execute the payment channel and the flow chart configured in the template of the payment mode corresponding to the payment channel.
Specifically, for example: when a user initiates a payment request of a WeChat APP for a commodity at a client, and the template engine system receives a trigger of a payment template of the WeChat APP through a monitor, the template engine system can execute a flow chart configured in the payment template of the WeChat APP.
In step 204, when the template engine system detects that the execution of the flow pattern is completed, an execution result is generated and sent to the payment system.
It should be noted that, in the embodiment of the present invention, when the template engine system detects that the execution of the flow pattern is ended, the execution result is generated based on the execution step of the flow pattern, and the execution result is sent to the payment system.
Specifically, for example: when the template engine system detects that the execution of the flow graph configured in the payment template of the WeChat two-dimensional code is finished, an execution result is generated based on the execution step of the flow graph, and the execution result is sent to a payment system, for example: if the execution of the flow graph configured in the payment template of the WeChat two-dimensional code is finished successfully, the two-dimensional code is sent to a payment system; if the execution of the flow graph configured in the payment template of the WeChat two-dimensional code is abnormal, the prompt information of failure in acquiring the two-dimensional code is sent to a payment system.
In step 205, when the payment system receives the execution result, the execution result is sent to the client, so that the execution result is displayed on the client interface.
In the embodiment of the invention, when the payment system receives the execution result sent by the template engine system, the execution result is sent to the client and displayed on the interface of the client, so that the user can intuitively acquire the execution result.
After the configuration of the newly added payment channel and the newly added payment mode is completed by using the multi-channel payment configuration method related to the first embodiment of the invention, when a user selects the payment channel and the payment mode to initiate a payment request for a commodity, the template engine system can acquire the parameter information of the payment channel through the payment channel code in the payment channel configuration system, acquire the return parameter information of the payment mode through the payment mode code in the payment system, and acquire the template through the template ID in the template engine background, thereby further realizing the whole process from configuration to use of the newly added payment channel and the payment mode.
A third embodiment of the present invention relates to a multi-channel payment arrangement apparatus, and fig. 3 is an apparatus block diagram of a multi-channel payment arrangement apparatus according to an exemplary embodiment, as shown in fig. 3, the apparatus including:
the data acquisition module 301 is configured to acquire, by the payment system, an association relationship between the payment channel code and the payment channel through the payment channel configuration system in advance, and acquire, by the template engine system, an association relationship between the template ID and the template in advance;
the data configuration module 302 is configured to bind the payment mode and the payment channel through the payment channel code based on the association relationship between the payment channel code and the payment channel, and bind the payment mode and the template through the template ID based on the association relationship between the template ID and the template.
Optionally, the device comprises:
the payment channel configuration module is used for responding to the first input and configuring the payment channel code and the parameter information of the payment channel under the condition that the payment channel configuration system receives the first input of the user to the payment channel configuration system interface, and storing the payment channel, the payment channel code and the parameter information of the payment channel into the payment channel configuration system background in a one-to-one correspondence mode.
Optionally, the device comprises:
the template configuration module is used for responding to the second input when the template engine system receives the second input of the user to the template engine system interface, configuring the template ID corresponding to the template, storing the template and the template ID in a template engine background in a one-to-one correspondence mode, wherein the template engine system comprises a template engine management platform and the template engine background, the template engine management platform comprises an attribute configuration module and a drawing area module, the attribute configuration module is used for configuring the name of the template, configuring the template ID, configuring a monitor corresponding to the template, and the drawing area module is used for configuring a flow graph corresponding to a payment mode.
Optionally, the device comprises:
the payment mode configuration module is used for responding to the third input when the payment system receives the third input of the user to the payment system interface, configuring the payment mode code, configuring the return parameter information of the payment mode, and storing the payment mode, the payment mode code and the return parameter information into the background of the payment system in a one-to-one correspondence mode.
According to the invention, the template engine system is used for configuring the template, the payment channel is used for configuring the system configuration channel, the payment system is used for configuring the payment mode to be related to the payment channel, and the payment mode is used for configuring the payment mode related template, so that the newly added payment channel and the newly added and payment modes can be dynamically configured, the payment requirements of multiple payment modes of multiple payment channels required by the mall system are met, and the technical problem of low payment mode efficiency of the newly added payment channel is solved.
A fourth embodiment of the present invention relates to a payment apparatus, and fig. 4 is an apparatus block diagram of a payment apparatus according to an exemplary embodiment, as shown in fig. 4, the apparatus including:
the data request module 401 is configured to send a data call request to the template engine system by the payment system when detecting a payment request sent by the client, where the payment request includes a payment channel and a payment manner corresponding to the payment channel;
the data acquisition module 402 is configured to, when the template engine system receives a data call request sent by the payment system through the monitor, acquire parameter information of a payment channel through a payment channel code stored in a payment channel configuration system background, acquire return parameter information of a payment mode through a payment mode code stored in the payment system background, and acquire a template through a template ID stored in the template engine background;
an execution flow module 403, configured to execute a flow chart corresponding to a payment manner configured in the template when the template engine system detects that the template is triggered;
an execution result generating module 404, configured to generate an execution result and send the execution result to the payment system when the template engine system detects that the flow pattern has been executed;
The client display module 405 is configured to send the execution result to the client when the payment system receives the execution result, so that the execution result is displayed on the client interface.
After the configuration of the newly added payment channel and the newly added payment mode is completed by using the multi-channel payment configuration method related to the first embodiment of the invention, when a user selects the payment channel and the payment mode to initiate a payment request for a commodity, the template engine system can acquire the parameter information of the payment channel through the payment channel code in the payment channel configuration system, acquire the return parameter information of the payment mode through the payment mode code in the payment system, and acquire the template through the template ID in the template engine background, thereby further realizing the whole process from configuration to use of the newly added payment channel and the payment mode.
The specific manner in which the various modules perform the operations in the apparatus of the above embodiments have been described in detail in connection with the embodiments of the method, and will not be described in detail herein.
A fifth embodiment of the present invention relates to an electronic apparatus including: a processor; a memory for storing the processor-executable instructions; wherein the processor is configured to execute the instructions to implement any of the multi-channel payment configuration methods, or any of the payment methods.
Fig. 7 is a block diagram of an electronic device 1400, shown in accordance with an exemplary embodiment. For example, electronic device 1400 may be a mobile phone, a computer, a digital broadcast terminal, a messaging device, a game console, a tablet device, a medical device, an exercise device, a personal digital assistant, and the like.
Referring to fig. 7, an electronic device 1400 may include one or more of the following components: processing component 1402, memory 1404, power component 1406, multimedia component 1408, audio component 1410, input/output interface 1412, sensor component 1414, and communication component 1416.
The processing component 1402 generally controls overall operation of the device 1400, such as operations associated with display, telephone calls, data communications, camera operations, and recording operations. The processing component 1402 may include one or more processors 1420 to execute instructions to perform all or part of the steps of the methods described above. Further, the processing component 1402 can include one or more modules that facilitate interaction between the processing component 1402 and other components. For example, the processing component 1402 can include a multimedia module to facilitate interaction between the multimedia component 1408 and the processing component 1402.
The memory 1404 is configured to store various types of data to support operations at the device 1400. Examples of such data include instructions for any application or method operating on the device 1400, contact data, phonebook data, messages, pictures, videos, and the like. The memory 1404 may be implemented by any type or combination of volatile or nonvolatile memory devices such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disk.
The power supply component 1406 provides power to the various components of the electronic device 1400. Power components 1406 may include a power management system, one or more power sources, and other components associated with generating, managing, and distributing power for electronic device 1400.
The multimedia component 1408 includes a screen between the electronic device 1400 and the user that provides an output interface. In some embodiments, the screen may include a Liquid Crystal Display (LCD) and a Touch Panel (TP). If the screen includes a touch panel, the screen may be implemented as a touch screen to receive input signals from a user. The touch panel includes one or more touch sensors to sense touches, swipes, and gestures on the touch panel. The touch sensor may sense not only the boundary of a touch or slide action, but also the duration and pressure associated with the touch or slide operation. In some embodiments, the multimedia component 1408 includes a front camera and/or a rear camera. When the electronic device 1200 is in an operational mode, such as a shooting mode or a video mode, the front camera and/or the rear camera may receive external multimedia data. Each front camera and rear camera may be a fixed optical lens system or have focal length and optical zoom capabilities.
The audio component 1410 is configured to output and/or input audio signals. For example, the audio component 1410 includes a Microphone (MIC) configured to receive external audio signals when the electronic device 1200 is in an operational mode, such as a call mode, a recording mode, and a voice recognition mode. The received audio signals may be further stored in the memory 1404 or transmitted via the communication component 1416. In some embodiments, audio component 1410 also includes a speaker for outputting audio signals.
The input/output interface 1412 provides an interface between the processing component 1402 and peripheral interface modules, which may be a keyboard, click wheel, buttons, etc. These buttons may include, but are not limited to: homepage button, volume button, start button, and lock button.
The sensor assembly 1414 includes one or more sensors for providing status assessment of various aspects of the electronic device 1400. For example, the sensor assembly 1414 may detect an on/off state of the electronic device 1400, a relative positioning of components such as a display and keypad of the electronic device 1400, the sensor assembly 1414 may also detect a change in position of the electronic device 1400 or a component of the electronic device 1400, the presence or absence of a user's contact with the electronic device 1400, an orientation or acceleration/deceleration of the electronic device 1400, and a change in temperature of the electronic device 1400. The sensor assembly 1414 may include a proximity sensor configured to detect the presence of nearby objects in the absence of any physical contact. The sensor assembly 1414 may also include a light sensor, such as a CMOS or CCD image sensor, for use in imaging applications. In some embodiments, the sensor assembly 1414 may also include an acceleration sensor, a gyroscopic sensor, a magnetic sensor, a pressure sensor, or a temperature sensor.
The communication component 1416 is configured to facilitate communication between the electronic device 1400 and other devices, either wired or wireless. The electronic device 1400 may access a wireless network based on a communication standard, such as WiFi, an operator network (e.g., 2G, 3G, 4G, or 5G), or a combination thereof. In one exemplary embodiment, the communication component 1416 receives broadcast signals or broadcast related information from an external broadcast management system via a broadcast channel. In one exemplary embodiment, the communication component 1416 further includes a Near Field Communication (NFC) module to facilitate short range communications. For example, the NFC module may be implemented based on Radio Frequency Identification (RFID) technology, infrared data association (IrDA) technology, ultra Wideband (UWB) technology, bluetooth (BT) technology, and other technologies.
In an exemplary embodiment, the electronic device 1400 may be implemented by one or more Application Specific Integrated Circuits (ASICs), digital Signal Processors (DSPs), digital Signal Processing Devices (DSPDs), programmable Logic Devices (PLDs), field Programmable Gate Arrays (FPGAs), controllers, microcontrollers, microprocessors, or other electronic elements for executing the methods described above.
A sixth embodiment of the invention relates to a non-transitory computer readable storage medium comprising instructions, such as the memory 1404 comprising instructions, executable by the processor 1420 of the electronic device 1400 to perform the multi-channel payment configuration method, or the payment method, described above. For example, the non-transitory computer readable storage medium may be ROM, random Access Memory (RAM), CD-ROM, magnetic tape, floppy disk, optical data storage device, etc.
A seventh embodiment of the present invention relates to a vehicle including any of the multi-channel payment arrangement devices of the third embodiment of the present invention, or any of the payment devices of the fourth embodiment of the present invention.
Other embodiments of the invention will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This invention is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the invention and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the invention being indicated by the following claims.
It should be noted that the above-mentioned embodiments illustrate rather than limit the invention, and that those skilled in the art will be able to design alternative embodiments without departing from the scope of the appended claims. In the claims, any reference signs placed between parentheses shall not be construed as limiting the claim. The word "comprising" does not exclude the presence of elements or steps not listed in a claim. The word "a" or "an" preceding an element does not exclude the presence of a plurality of such elements. The invention may be implemented by means of hardware comprising several distinct elements, and by means of a suitably programmed computer. In the unit claims enumerating several means, several of these means may be embodied by one and the same item of hardware. The use of the words first, second, third, etc. do not denote any order. These words may be interpreted as names. The invention is not limited to the precise construction which has been described above and shown in the drawings, and various modifications and changes may be made without departing from the scope thereof. The scope of the invention is limited only by the appended claims.

Claims (10)

1. A method of multi-channel payment configuration, the method comprising:
the payment system obtains the association relation between the payment channel codes and the payment channels through the payment channel configuration system in advance, and obtains the association relation between the template ID and the template through the template engine system in advance;
the payment system binds a payment mode and the payment channel through the payment channel code based on the association relation between the payment channel code and the payment channel, and binds the payment mode and the template through the template ID based on the association relation between the template ID and the template.
2. The method according to claim 1, wherein before the step of the payment system obtaining association between the payment channel code and the payment channel in advance by the payment channel configuration system, and obtaining association between the template ID and the template in advance by the template engine system, the method comprises:
and under the condition that a first input of a user to a payment channel configuration system interface is received, the payment channel configuration system responds to the first input, configures a payment channel code, configures parameter information of a payment channel, and stores the payment channel code and the parameter information of the payment channel into the background of the payment channel configuration system in a one-to-one correspondence manner.
3. The method according to claim 1, wherein before the step of the payment system obtaining association between the payment channel code and the payment channel in advance by the payment channel configuration system, and obtaining association between the template ID and the template in advance by the template engine system, the method comprises:
under the condition that a second input of a user to a template engine system interface is received, the template engine system responds to the second input, configures a template ID corresponding to the template, stores the template and the template ID in a template engine background in a one-to-one correspondence mode, wherein the template engine system comprises a template engine management platform and the template engine background, the template engine management platform comprises an attribute configuration module and a drawing area module, the attribute configuration module is used for configuring the name of the template, configuring the template ID, configuring a monitor corresponding to the template, and the drawing area module is used for configuring a flow graph corresponding to a payment mode.
4. The method according to claim 1, wherein before the step of the payment system obtaining association between the payment channel code and the payment channel in advance by the payment channel configuration system, and obtaining association between the template ID and the template in advance by the template engine system, the method comprises:
Under the condition that a third input of a user to a payment system interface is received, the payment system responds to the third input, configures a payment mode code, configures return parameter information of the payment mode, and stores the payment mode code and the return parameter information in a one-to-one correspondence manner to a payment system background.
5. A payment method, wherein the payment includes a payment channel and a payment manner corresponding to the payment channel, wherein the payment channel and the payment manner are configured in association according to the multi-channel payment configuration method as claimed in any one of claims 1 to 4, the method comprising:
under the condition that a payment request sent by a client is detected, a payment system sends a data calling request to a template engine system, wherein the payment request comprises a payment channel and a payment mode corresponding to the payment channel;
when the template engine system receives the data call request sent by the payment system through a monitor, the template engine system acquires the parameter information of the payment channel through a payment channel code stored in a payment channel configuration system background, acquires the return parameter information of the payment mode through a payment mode code stored in the payment system background, and acquires a template through a template ID stored in the template engine background;
Executing a flow chart corresponding to a payment mode configured in the template under the condition that the template engine system detects that the template is triggered;
generating an execution result and sending the execution result to the payment system when the template engine system detects that the flow pattern is executed;
and when the payment system receives the execution result, the execution result is sent to the client so that the execution result is displayed on a client interface.
6. A multi-channel payment arrangement device, the device comprising:
the data acquisition module is used for acquiring the association relation between the payment channel codes and the payment channels through the payment channel configuration system in advance and acquiring the association relation between the template ID and the template through the template engine system in advance;
the data configuration module is used for binding a payment mode and a payment channel through the payment channel code based on the association relation between the payment channel code and the payment channel, and binding the payment mode and the template through the template ID based on the association relation between the template ID and the template.
7. A payment device, wherein the payment includes a payment channel and a payment method corresponding to the payment channel, wherein the payment channel and the payment method implement an association configuration according to the multi-channel payment configuration method as claimed in any one of claims 1 to 4, the device comprising:
the system comprises a data request module, a template engine system and a data calling module, wherein the data request module is used for sending a data calling request to the template engine system by a payment system under the condition that a payment request sent by a client is detected, and the payment request comprises a payment channel and a payment mode corresponding to the payment channel;
the data acquisition module is used for acquiring the parameter information of the payment channel through the payment channel code stored in the background of the payment channel configuration system when the template engine system receives the data call request sent by the payment system through the monitor, acquiring the return parameter information of the payment mode through the payment mode code stored in the background of the payment system and acquiring a template through the template ID stored in the background of the template engine;
the execution flow module is used for executing a flow graph corresponding to a payment mode configured in the template under the condition that the template engine system detects that the template is triggered;
The execution result generation module is used for generating an execution result and sending the execution result to the payment system when the template engine system detects that the execution of the flow pattern is finished;
and the client display module is used for sending the execution result to a client when the payment system receives the execution result so as to display the execution result on a client interface.
8. An electronic device, comprising:
a processor;
a memory for storing processor-executable instructions;
wherein the processor is configured to execute the instructions to implement the multi-channel payment configuration method of any one of claims 1 to 4 or the payment method of any one of claim 5.
9. A computer readable storage medium, which when executed by a processor of a mobile terminal, causes the mobile terminal to perform the multi-channel payment configuration method of any one of claims 1 to 4, or the payment method of any one of claim 5.
10. A vehicle comprising the multi-channel payment arrangement device of claim 6 or the payment device of claim 7.
CN202310630094.XA 2023-05-30 2023-05-30 Multi-channel payment configuration method and device, electronic equipment, storage medium and vehicle Pending CN116777448A (en)

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