CN118195602A - Multi-channel integrated electronic payment and billing method, system, equipment and medium - Google Patents

Multi-channel integrated electronic payment and billing method, system, equipment and medium Download PDF

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Publication number
CN118195602A
CN118195602A CN202410293340.1A CN202410293340A CN118195602A CN 118195602 A CN118195602 A CN 118195602A CN 202410293340 A CN202410293340 A CN 202410293340A CN 118195602 A CN118195602 A CN 118195602A
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payment
billing
invoicing
interface
channel
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郭军
狄秀峰
李国有
何猛
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Individual
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/085Payment architectures involving remote charge determination or related payment systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/04Billing or invoicing

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  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The invention provides a multi-channel integrated electronic payment and billing method, a system, equipment and a medium, wherein the method comprises the following steps: the service system responds to a payment request and/or an invoicing request initiated by a user, and sends a payment authentication request and/or an invoicing authentication request to an aggregation gateway; after the authentication request is legal, the aggregation gateway creates a payment order and/or an invoicing order according to the service information; the aggregation gateway provides a payment interface and/or an invoicing interface for a user to connect a payment channel and/or an invoicing channel through a payment route and/or an invoicing route; and the user executes the payment operation and/or the billing operation through the payment interface and/or the billing interface and returns the payment result and/or the billing result.

Description

Multi-channel integrated electronic payment and billing method, system, equipment and medium
Technical Field
The invention relates to the technical field of parking lot business management, in particular to a multi-channel integrated electronic payment and billing method, a system, equipment and a medium.
Background
The existing parking lot management needs to be accessed to an internet third party electronic payment and invoice channel so as to provide a payment function and an invoicing function for a parking lot management system, for example, the parking lot management system is simultaneously accessed to the payment and invoicing functions of payment treasures, weChat, air letters, ticket traffic and the like.
However, the docking modes provided by the payment and billing modes of different channels are mutually different, and the parking lot business logic is interwoven with the logic of each billing and payment mode, so that the system maintenance and the function expansion become complex, the new billing and payment modes are difficult to add, and the expansibility and the universality of the parking lot management system are greatly limited.
Accordingly, there is a need for a multi-channel integrated electronic payment and billing method that addresses the above-described issues.
Disclosure of Invention
Aiming at the defects of the prior art, the invention provides a multi-channel integrated electronic payment and billing method, a system, equipment and a medium.
The invention discloses a multi-channel integrated electronic payment and billing method, which is applied to a parking lot management system, and comprises the following steps:
the service system responds to a payment request and/or an invoicing request initiated by a user, and sends a payment authentication request and/or an invoicing authentication request to an aggregation gateway;
After the authentication request is legal, the aggregation gateway creates a payment order and/or an invoicing order according to the service information;
The aggregation gateway provides a payment interface and/or an invoicing interface for a user to connect a payment channel and/or an invoicing channel through a payment route and/or an invoicing route;
and the user executes the payment operation and/or the billing operation through the payment interface and/or the billing interface and returns the payment result and/or the billing result.
In an alternative embodiment, the aggregation gateway creates a payment order and/or an invoicing order according to the service information, including:
The aggregation gateway distinguishes the payment mode and/or the billing mode through the product numbers of the payment and/or the billing in the interface parameters, and after the payment request and/or the billing request are accepted, the request logic and the request parameters of different payment modes and/or billing modes are uploaded to the service system through the payment route and/or the billing route.
In an alternative embodiment, the aggregation gateway provides a payment interface and/or an billing interface for a user to connect a payment channel and/or a billing channel through a payment route and/or a billing route, including:
The service system receives request logic and request parameters of different payment modes and/or billing modes, and converts corresponding interfaces of the payment modes and/or billing mode implementation classes into universal interfaces through an adapter arranged by the system.
In an optional embodiment, the service system receives request logic and request parameters of different payment modes and/or billing modes, and converts corresponding interfaces of the payment modes and/or billing mode implementation classes into universal interfaces through an adapter set by the system, including:
The service system packages the payment interfaces and/or the billing interfaces provided by the payment channels and/or the billing channels into class libraries, and the class libraries are used for providing interface calls of different payment modes and/or billing modes for the adapter.
In an alternative embodiment, the aggregation gateway provides a payment interface and/or an billing interface for a user to connect a payment channel and/or a billing channel through a payment route and/or a billing route, including:
The aggregation gateway unifies payment interfaces of a plurality of payment channels provided for the service system into a HTTP RESTFull-form universal payment interface through a payment route;
the aggregation gateway unifies billing interfaces of a plurality of billing channels provided for the service system into a HTTP RESTFull-form universal billing interface through billing routes.
In an optional embodiment, the user performs a payment operation and/or an invoicing operation through the payment interface and/or the invoicing interface, and returns a payment result and/or an invoicing result, including:
After receiving the billing request, the service system confirms the payment result returned by the payment request, processes the billing operation through an asynchronous process, calls a billing interface of an aggregation gateway to return a billing result notice after the billing operation is completed, and the aggregation gateway synchronizes the billing result to the service system and reminds a user through a short message notice.
In an alternative embodiment, the aggregation gateway creates a payment order and/or an invoicing order according to the service information, including:
if the business information has one order information, carrying out association combination on the order information and order channel information corresponding to the order information to generate a payment order and/or an invoicing order;
And if at least two order information exists in the service information, combining the at least two order information to generate a payment order and/or an invoicing order.
The second aspect of the invention discloses a multi-channel integrated electronic payment and billing system, the system comprising:
The request processing module is used for responding to a payment request and/or an invoicing request initiated by a user by a service system, and the service system sends a payment authentication request and/or an invoicing authentication request to the aggregation gateway;
The order creation module is used for creating a payment order and/or an invoicing order according to the service information by the aggregation gateway after the authentication request is legal;
the channel docking module is used for providing a payment interface and/or an invoicing interface for connecting a payment channel and/or an invoicing channel for a user through a payment route and/or an invoicing route;
And the result returning module is used for the user to execute the payment operation and/or the billing operation through the payment interface and/or the billing interface and return the payment result and/or the billing result.
The third aspect of the invention discloses a multi-channel integrated electronic payment and billing device comprising:
At least one processor, and
A memory communicatively coupled to the at least one processor; wherein,
The memory stores instructions executable by the at least one processor to enable the at least one processor to perform the multi-channel integrated electronic payment and billing method as disclosed in any of the first aspects of the invention.
A fourth aspect of the invention discloses a computer-readable storage medium storing computer-executable instructions for causing a computer to perform a multi-channel integrated electronic payment and invoicing method according to any of the first aspect of the invention.
Compared with the prior art, the invention has the following advantages:
According to the invention, the universal interface is converted through the adapter, the interfaces of payment and billing based on the aggregation gateway are unified, the interfaces of the payment channel and the billing channel are packaged into class libraries through a computer language and provided for a system to be called, so that the difficulty of accessing a new billing mode is greatly reduced, the expansion convenience is further improved, and the problem that the expansibility and the universality are limited because the conventional parking lot management system cannot integrate multiple payment and billing modes is solved.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions of the prior art, the drawings which are used in the description of the embodiments or the prior art will be briefly described, it being obvious that the drawings in the description below are only some embodiments of the invention, and that other drawings can be obtained according to these drawings without inventive faculty for a person skilled in the art.
FIG. 1 is a flow chart of the multi-channel integrated electronic payment and billing method of the present invention;
FIG. 2 is a schematic diagram of a multi-channel integrated electronic payment and billing system of the present invention.
Detailed Description
The present application will be described and illustrated with reference to the accompanying drawings and examples in order to make the objects, technical solutions and advantages of the present application more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the application. All other embodiments, which can be made by a person of ordinary skill in the art based on the embodiments provided by the present application without making any inventive effort, are intended to fall within the scope of the present application.
It is apparent that the drawings in the following description are only some examples or embodiments of the present application, and it is possible for those of ordinary skill in the art to apply the present application to other similar situations according to these drawings without inventive effort. Moreover, it should be appreciated that while such a development effort might be complex and lengthy, it would nevertheless be a routine undertaking of design, fabrication, or manufacture for those of ordinary skill having the benefit of this disclosure, and thus should not be construed as having the benefit of this disclosure.
Reference in the specification to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment may be included in at least one embodiment of the application. The appearances of such phrases in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is to be expressly and implicitly understood by those of ordinary skill in the art that the described embodiments of the application can be combined with other embodiments without conflict.
Unless defined otherwise, technical or scientific terms used herein should be given the ordinary meaning as understood by one of ordinary skill in the art to which this application belongs. The terms "a," "an," "the," and similar referents in the context of the application are not to be construed as limiting the quantity, but rather as singular or plural. The terms "comprising," "including," "having," and any variations thereof, are intended to cover a non-exclusive inclusion; for example, a process, method, system, article, or apparatus that comprises a list of steps or modules (elements) is not limited to only those steps or elements but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus. The terms "connected," "coupled," and the like in connection with the present application are not limited to physical or mechanical connections, but may include electrical connections, whether direct or indirect. The term "plurality" as used herein means two or more. "and/or" describes an association relationship of an association object, meaning that there may be three relationships, e.g., "a and/or B" may mean: a exists alone, A and B exist together, and B exists alone. The character "/" generally indicates that the context-dependent object is an "or" relationship. The terms "first," "second," "third," and the like, as used herein, are merely distinguishing between similar objects and not representing a particular ordering of objects.
Before the embodiments of the application are shown, it is to be noted that:
Billing channel: the electronic invoice platform is a channel for supporting a user to issue an electronic invoice, helps the user to finish the invoicing service after the transaction, and supports authentication and accounting between the platform and the tax bureau.
Billing mode: is an operation mode for realizing the billing application. Such as WeChat payment vouchers, code scanning invoices, background direct invoices, and the like.
And (5) aggregate billing: the third party billing organization and the system integrator engaged in the electronic invoice business integrate the billing services of a plurality of billing channels by utilizing the self technology and service integration capability, provide the related billing services of the same capability as the third party billing channels for merchants and individuals, and realize the aggregate billing through an aggregate gateway.
Payment channel: the payment platform is a channel supporting user payment and transaction, helps the user to complete payment of transaction amount, and supports transaction intercommunication, authentication and accounting between the platform and a bank.
The payment method comprises the following steps: refers to a transaction mode for realizing economic activities and is a carrier for funds transfer. Such as pay-per-view payment code payment, weChat code payment.
Aggregate payment: the integrated payment refers to a third party payment mechanism, a system integrator, a commercial bank, a trusted bank and other non-banking institutions which are engaged in payment business, integrates payment receipts and marketing related payment services together by utilizing the self technology and service integration capability, provides related payment services with the same capability as the third party payment for merchants and individuals, and realizes the integrated payment through an integrated gateway.
Service system: independent of the payment channel, billing channel and aggregation gateway, but requires an application system that performs payment and billing functions through the aggregation gateway.
Example 1
Referring to fig. 1, an embodiment of the present invention discloses a multi-channel integrated electronic payment and billing method, which is applied to a parking lot management system, the channel integrated electronic payment and billing method including:
s1: the service system responds to a payment request and/or an invoicing request initiated by a user, and sends a payment authentication request and/or an invoicing authentication request to an aggregation gateway;
S2: after the authentication request is legal, the aggregation gateway creates a payment order and/or an invoicing order according to the service information;
s3: the aggregation gateway provides a payment interface and/or an invoicing interface for a user to connect a payment channel and/or an invoicing channel through a payment route and/or an invoicing route;
S4: and the user executes the payment operation and/or the billing operation through the payment interface and/or the billing interface and returns the payment result and/or the billing result.
In an alternative embodiment, the aggregation gateway creates a payment order and/or an invoicing order according to the service information, including:
The aggregation gateway distinguishes the payment mode and/or the billing mode through the product numbers of the payment and/or the billing in the interface parameters, and after the payment request and/or the billing request are accepted, the request logic and the request parameters of different payment modes and/or billing modes are uploaded to the service system through the payment route and/or the billing route.
In an alternative embodiment, the aggregation gateway provides a payment interface and/or an billing interface for a user to connect a payment channel and/or a billing channel through a payment route and/or a billing route, including:
The service system receives request logic and request parameters of different payment modes and/or billing modes, and converts corresponding interfaces of the payment modes and/or billing mode implementation classes into universal interfaces through an adapter arranged by the system.
In an optional embodiment, the service system receives request logic and request parameters of different payment modes and/or billing modes, and converts corresponding interfaces of the payment modes and/or billing mode implementation classes into universal interfaces through an adapter set by the system, including:
The service system packages the payment interfaces and/or the billing interfaces provided by the payment channels and/or the billing channels into class libraries, and the class libraries are used for providing interface calls of different payment modes and/or billing modes for the adapter.
In an alternative embodiment, the aggregation gateway provides a payment interface and/or an billing interface for a user to connect a payment channel and/or a billing channel through a payment route and/or a billing route, including:
The aggregation gateway unifies payment interfaces of a plurality of payment channels provided for the service system into a HTTP RESTFull-form universal payment interface through a payment route;
the aggregation gateway unifies billing interfaces of a plurality of billing channels provided for the service system into a HTTP RESTFull-form universal billing interface through billing routes.
In an optional embodiment, the user performs a payment operation and/or an invoicing operation through the payment interface and/or the invoicing interface, and returns a payment result and/or an invoicing result, including:
After receiving the billing request, the service system confirms the payment result returned by the payment request, processes the billing operation through an asynchronous process, calls a billing interface of an aggregation gateway to return a billing result notice after the billing operation is completed, and the aggregation gateway synchronizes the billing result to the service system and reminds a user through a short message notice.
In an alternative embodiment, the aggregation gateway creates a payment order and/or an invoicing order according to the service information, including:
if the business information has one order information, carrying out association combination on the order information and order channel information corresponding to the order information to generate a payment order and/or an invoicing order;
And if at least two order information exists in the service information, combining the at least two order information to generate a payment order and/or an invoicing order.
The payment and billing gateway distinguishes different payment modes through the payment and billing product numbers in the interface parameters, and after receiving the payment request, the payment and billing product numbers are routed to different request logics and request parameters.
Further, the payment and billing gateway (i.e. the aggregation gateway) can interface with different payment and billing modes of a plurality of different payment and billing channels along with business expansion, so that a specific payment and billing mode implementation type corresponding interface can be converted into another universal interface for the convenience of expansion, the payment and billing parameters of different payment and billing modes are generally different, the system uses an adapter mode, and the corresponding payment and billing interface is converted into the universal payment and billing interface in the adapter type.
Furthermore, the payment and billing gateway (i.e. the aggregation gateway) can use a factory method to produce specific adapters with different payment and billing modes according to the payment product numbers, and then initiate payment and billing to the payment and billing channel, so as to realize complete selection of payment and billing routes.
Specifically, the interfaces provided by the payment and billing channels are packaged into a class library of C# language, the upper layer is convenient for the assembly and the calling of the payment and billing mode adapter, and the specific interfaces of the payment and billing channels corresponding to the payment and billing modes are downwards called, so that the payment and billing request is initiated, and the payment and billing operation is completed.
It should be noted that, the business system interfaces the electronic invoice billing channel and the electronic payment channel, which are usually directly encapsulated in the business system to directly provide billing interface or SDK, so that the business of the application system is tightly coupled with billing function, and the interfacing mode is various and complex. The invention provides a unified electronic invoice billing interface, and when a business system billing through the unified billing interface, the business system can call different billing modes by only modifying the identification codes of the different billing modes in the interface, thereby greatly reducing the difficulty of the application system to interface with various billing modes.
Further, the multi-channel integrated payment and billing mainly consists of three parts: a unified interface of payment and billing modes, an adapter of payment and billing modes and an SDK of payment and billing modes. The payment and billing mode unified interface provides a unified HTTP RESTFull-form payment and billing interface for each service system, the whole interface service is developed by adopting C# language, different payment and billing modes are distinguished according to different payment and billing product numbers, the payment and billing requests of each service system including a parking lot are accepted, the initiated payment and billing requests are authenticated, whether the request is legal or not is identified, and the payment and billing requests are initiated to the payment and billing channels by proxy legal. The payment and billing mode adapter is used for adapting different payment and billing request interfaces into a unified adapter interface so as to facilitate the payment and billing service call. The payment and billing mode SDK is a class library which packages interfaces provided by various billing channels into C# language, so that the assembly and the calling of the payment and billing mode adapter are convenient.
According to the invention, the universal interface is converted through the adapter, the interfaces of payment and billing based on the aggregation gateway are unified, the interfaces of the payment channel and the billing channel are packaged into class libraries through a computer language and provided for a system to be called, so that the difficulty of accessing a new billing mode is greatly reduced, the expansion convenience is further improved, and the problem that the expansibility and the universality are limited because the conventional parking lot management system cannot integrate multiple payment and billing modes is solved. .
As shown in fig. 2, a second aspect of the present invention discloses a multi-channel integrated electronic payment and billing system, the system comprising:
The request processing module is used for responding to a payment request and/or an invoicing request initiated by a user by a service system, and the service system sends a payment authentication request and/or an invoicing authentication request to the aggregation gateway;
The order creation module is used for creating a payment order and/or an invoicing order according to the service information by the aggregation gateway after the authentication request is legal;
the channel docking module is used for providing a payment interface and/or an invoicing interface for connecting a payment channel and/or an invoicing channel for a user through a payment route and/or an invoicing route;
And the result returning module is used for the user to execute the payment operation and/or the billing operation through the payment interface and/or the billing interface and return the payment result and/or the billing result.
The third aspect of the invention discloses a multi-channel integrated electronic payment and billing device comprising:
At least one processor, and
A memory communicatively coupled to the at least one processor; wherein,
The memory stores instructions executable by the at least one processor to enable the at least one processor to perform the multi-channel integrated electronic payment and billing method as disclosed in any of the first aspects of the invention.
The computer device may be a terminal comprising a processor, a memory, a network interface, a display screen and input means connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program, when executed by a processor, implements a multi-channel integrated electronic payment and billing method. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, can also be keys, a track ball or a touch pad arranged on the shell of the computer equipment, and can also be an external keyboard, a touch pad or a mouse and the like.
A fourth aspect of the invention discloses a computer-readable storage medium storing computer-executable instructions for causing a computer to perform a multi-channel integrated electronic payment and invoicing method according to any of the first aspect of the invention.
Those skilled in the art will appreciate that implementing all or part of the above-described embodiment methods may be accomplished by way of computer programs, which may be stored on a non-volatile computer readable storage medium, which when executed may include the above-described embodiments of the integrated electronic payment and billing method via multiple channels. Any reference to memory, storage, database, or other medium used in embodiments provided herein may include non-volatile and/or volatile memory. The nonvolatile memory can include Read Only Memory (ROM), programmable ROM (PROM), electrically Programmable ROM (EPROM), electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double Data Rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (SYNCHLINK) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), among others.
Or the modules of the present invention may be stored in a computer-readable storage medium if implemented as software functional modules and sold or used as a stand-alone product. Based on such understanding, the technical solution of the embodiments of the present invention may be essentially or part contributing to the related art, and the computer software product may be stored in a storage medium, and include several instructions to cause a computer device (which may be a personal computer, a terminal, or a network device) to execute all or part of the methods of the embodiments of the present invention. And the aforementioned storage medium includes: various media capable of storing program code, such as a removable storage device, RAM, ROM, magnetic or optical disk.
The foregoing description of the preferred embodiments of the invention is not intended to be limiting, but rather is intended to cover all modifications, equivalents, alternatives, and improvements that fall within the spirit and scope of the invention.

Claims (10)

1. A multi-channel integrated electronic payment and billing method, wherein the multi-channel integrated electronic payment and billing method is applied to a parking lot management system, the channel integrated electronic payment and billing method comprising:
the service system responds to a payment request and/or an invoicing request initiated by a user, and sends a payment authentication request and/or an invoicing authentication request to an aggregation gateway;
After the authentication request is legal, the aggregation gateway creates a payment order and/or an invoicing order according to the service information;
The aggregation gateway provides a payment interface and/or an invoicing interface for a user to connect a payment channel and/or an invoicing channel through a payment route and/or an invoicing route;
and the user executes the payment operation and/or the billing operation through the payment interface and/or the billing interface and returns the payment result and/or the billing result.
2. The multi-channel integrated electronic payment and invoicing method of claim 1 wherein the aggregation gateway creates payment orders and/or invoicing orders from business information, comprising:
The aggregation gateway distinguishes the payment mode and/or the billing mode through the product numbers of the payment and/or the billing in the interface parameters, and after the payment request and/or the billing request are accepted, the request logic and the request parameters of different payment modes and/or billing modes are uploaded to the service system through the payment route and/or the billing route.
3. The multi-channel integrated electronic payment and invoicing method according to claim 2, wherein the aggregation gateway provides a payment interface and/or an invoicing interface for a user to access a payment channel and/or an invoicing channel through a payment route and/or an invoicing route, comprising:
The service system receives request logic and request parameters of different payment modes and/or billing modes, and converts corresponding interfaces of the payment modes and/or billing mode implementation classes into universal interfaces through an adapter arranged by the system.
4. A multi-channel integrated electronic payment and invoicing method according to claim 3, wherein the service system receives the request logic and request parameters of different payment modes and/or invoicing modes, and converts the corresponding interfaces of the payment modes and/or invoicing modes into universal interfaces through an adapter set by the system, comprising:
The service system packages the payment interfaces and/or the billing interfaces provided by the payment channels and/or the billing channels into class libraries, and the class libraries are used for providing interface calls of different payment modes and/or billing modes for the adapter.
5. The multi-channel integrated electronic payment and invoicing method according to claim 1, wherein the aggregation gateway provides a payment interface and/or an invoicing interface for a user to access a payment channel and/or an invoicing channel through a payment route and/or an invoicing route, comprising:
The aggregation gateway unifies payment interfaces of a plurality of payment channels provided for the service system into a HTTP RESTFul l-form universal payment interface through a payment route;
the aggregation gateway unifies billing interfaces of a plurality of billing channels provided for the service system into a HTTP RESTFul l-form universal billing interface through billing routes.
6. The multi-channel integrated electronic payment and invoicing method according to claim 1, wherein the user performs a payment operation and/or an invoicing operation via the payment interface and/or the invoicing interface, and returns a payment result and/or an invoicing result, comprising:
After receiving the billing request, the service system confirms the payment result returned by the payment request, processes the billing operation through an asynchronous process, calls a billing interface of an aggregation gateway to return a billing result notice after the billing operation is completed, and the aggregation gateway synchronizes the billing result to the service system and reminds a user through a short message notice.
7. The multi-channel integrated electronic payment and invoicing method of claim 1 wherein the aggregation gateway creates payment orders and/or invoicing orders from business information, comprising:
if the business information has one order information, carrying out association combination on the order information and order channel information corresponding to the order information to generate a payment order and/or an invoicing order;
And if at least two order information exists in the service information, combining the at least two order information to generate a payment order and/or an invoicing order.
8. A multi-channel integrated electronic payment and billing system, the system comprising:
The request processing module is used for responding to a payment request and/or an invoicing request initiated by a user by a service system, and the service system sends a payment authentication request and/or an invoicing authentication request to the aggregation gateway;
The order creation module is used for creating a payment order and/or an invoicing order according to the service information by the aggregation gateway after the authentication request is legal;
the channel docking module is used for providing a payment interface and/or an invoicing interface for connecting a payment channel and/or an invoicing channel for a user through a payment route and/or an invoicing route;
And the result returning module is used for the user to execute the payment operation and/or the billing operation through the payment interface and/or the billing interface and return the payment result and/or the billing result.
9. A multi-channel integrated electronic payment and billing device comprising:
At least one processor, and
A memory communicatively coupled to the at least one processor; wherein,
The memory stores instructions executable by the at least one processor to enable the at least one processor to perform the multi-channel integrated electronic payment and billing method of any of claims 1 to 7.
10. A computer-readable storage medium storing computer-executable instructions for causing a computer to perform the multi-channel integrated electronic payment and invoicing method according to any of claims 1 to 7.
CN202410293340.1A 2024-03-14 2024-03-14 Multi-channel integrated electronic payment and billing method, system, equipment and medium Pending CN118195602A (en)

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