WO2022247969A1 - 用于支付的方法及装置 - Google Patents

用于支付的方法及装置 Download PDF

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WO2022247969A1
WO2022247969A1 PCT/CN2022/103554 CN2022103554W WO2022247969A1 WO 2022247969 A1 WO2022247969 A1 WO 2022247969A1 CN 2022103554 W CN2022103554 W CN 2022103554W WO 2022247969 A1 WO2022247969 A1 WO 2022247969A1
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payment
channel
combined
amount
combination
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PCT/CN2022/103554
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English (en)
French (fr)
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喻厚波
金瑞茂
王保林
陈昊
尹婉琳
何煜
李诚洁
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支付宝(杭州)信息技术有限公司
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Publication of WO2022247969A1 publication Critical patent/WO2022247969A1/zh

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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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/22—Payment schemes or models
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules

Definitions

  • This document relates to the field of Internet technology, in particular to a payment method and device.
  • One or more embodiments of this specification provide a payment method.
  • the method includes: determining at least one payment channel matching the target order, and the available resource quota corresponding to each payment channel; according to the amount to be paid of the target order and each of the available resource quotas, according to the preset channel combination Combine payment channels for the at least one payment channel to obtain multiple combined payment strategies; perform payment processing for the target order according to the selected target combined payment strategy among the multiple combined payment strategies.
  • the payment device includes: a determination module, which determines at least one payment channel matching the target order, and available resource quotas corresponding to each payment channel.
  • the combination module combines payment channels for the at least one payment channel according to preset channel combination rules according to the amount to be paid of the target order and each of the available resource quotas to obtain multiple combined payment strategies.
  • the payment module is configured to process the payment of the target order according to the selected target combined payment strategy among the plurality of combined payment strategies.
  • the payment device includes: a processor; and a memory arranged to store computer-executable instructions.
  • the processor determines at least one payment channel matching the target order, and the amount of available resources corresponding to each payment channel; according to the amount to be paid of the target order and each of the available resources Quota, according to the preset channel combination rules, carry out payment channel combination on the at least one payment channel to obtain multiple combined payment strategies; according to the selected target combination payment strategy among the multiple combined payment strategies, perform the target Payment processing for orders.
  • One or more embodiments of the present specification also provide a storage medium for storing computer-executable instructions.
  • the executable instructions When executed, the executable instructions implement the following process: determine at least one payment channel matching the target order, and The available resource quota corresponding to the channel; according to the amount to be paid of the target order and each of the available resource quotas, perform payment channel combination on the at least one payment channel according to the preset channel combination rules, and obtain multiple combined payment strategies; The payment processing of the target order is performed according to the selected target combined payment strategy among the plurality of combined payment strategies.
  • Figure 1 is a schematic flow diagram of the first payment method provided by one or more embodiments of this specification.
  • Fig. 2 is a second schematic flow diagram of the payment method provided by one or more embodiments of this specification.
  • Fig. 3 is a schematic diagram of the interaction process of the payment method provided by one or more embodiments of this specification;
  • Fig. 4 is a schematic diagram of the module composition of the payment device provided by one or more embodiments of this specification.
  • Fig. 5 is a schematic structural diagram of a payment device provided by one or more embodiments of this specification.
  • one or more embodiments of this specification provide a payment method, which is applied to a payment platform, that is, the subject of execution of the method is the payment platform.
  • Figure 1 is a schematic flow diagram of the first payment method provided by one or more embodiments of this specification. As shown in Figure 1, the method includes at least the following steps:
  • Step 102 determining at least one payment channel that matches the target order, and the available resource quota corresponding to each payment channel.
  • Step 104 according to the amount to be paid of the target order and the amount of each available resource, at least one payment channel is combined according to the preset channel combination rules to obtain multiple combined payment strategies.
  • Step 106 Perform payment processing for the target order according to the selected target combination payment strategy among multiple payment combination strategies.
  • the determined number of payment channels matched by the target order can be one or more, and the specific data of the matched payment channels is associated with the actual application scenario.
  • the specific number of payment channels matched by the target order is not limited. For example, in the payment channels bound by the user, if there is only one payment channel that can be used to pay for the target order, then the number of payment channels matched by the target order is one; for example, if the payment channel bound by the user , there are three payment channels that can be used to pay for the target order, and the number of payment channels that match the target order is three.
  • the payment channel for target order matching mentioned in one or more embodiments of this specification can actually be understood as the payment channel that can be used to pay for the target order, that is, the payment channel that supports the target order The payment channel of the payment.
  • the payment channels mentioned in one or more embodiments of this specification can be understood as payment tools that can complete payment behaviors.
  • the above-mentioned payment channels can be payment tools such as bank cards, credit cards, and user account balances bound by users.
  • payment tools such as bank cards, credit cards, and user account balances bound by users.
  • several possible payment channels are listed here as examples, and do not constitute a limitation to the above payment channels.
  • the amount of available resources mentioned in step 102 above can be understood as the amount of resources currently available for payment by the payment channel. For example, assuming that the above payment channel is the balance of the user account, and the balance of the user account is 50 yuan, the amount of available resources corresponding to the payment channel is 50 yuan. For another example, assuming that the above-mentioned payment channel is a credit card, and the current remaining balance of the credit card is 20 yuan, then the available resource limit corresponding to the payment channel is 20 yuan.
  • the specific form of expression of the "resource” in the mentioned available resources may be funds, currency, points, gold coins and so on.
  • step 102 at least one payment channel matching the target order is determined, which can be specifically achieved through the following process: obtaining each payment channel associated with the user on the payment platform; selecting the payment channel used to pay the target order from each payment channel , as the payment channel for Goal Order Matching.
  • the supported payment channels may be different. For example, for orders of some merchants, it may not support credit card payment and so on. Therefore, when determining at least one payment channel matching the target order, all payment channels associated with the user on the payment platform can be obtained first, and the payment channels that can be used to pay the target order can be selected from all payment channels associated with the user , as the payment channel for Goal Order Matching.
  • all the payment channels associated with the user can be used to pay for the target order.
  • all the payment channels associated with the user are determined as the payment channels that match the target order; of course, In some application scenarios, among all the payment channels associated with the user, there may be only a few payment channels that can be used to pay for the target order.
  • the payment channel acts as the payment channel for the target order matching.
  • the corresponding available resource quota can be obtained from each payment channel.
  • the user's account balance information can be obtained from the user account
  • the balance corresponding to the user account can be determined based on the account balance information
  • the balance can be determined as the available resource quota corresponding to the user account balance, That is, the user account balance can be used to pay the maximum amount of resources for the target order.
  • the user can send a payment request for the target order to the payment platform through a client or a webpage installed on a terminal device (such as a mobile phone, a computer, a tablet computer, etc.), wherein the payment request carries the order information of the target order and the payment account information, etc., when the payment platform receives the payment request sent by the user for the target order, based on the payment account information carried in the payment request, it searches for all the payment channels associated with the payment account, and from all the associated payment channels Screen the payment channel used to pay for the target order, so as to match the payment channel for the target order.
  • a terminal device such as a mobile phone, a computer, a tablet computer, etc.
  • At least one payment channel matching the target order and the available resource quota corresponding to each payment channel are determined, First check whether the amount of available resources corresponding to each single payment channel is sufficient to pay the amount to be paid corresponding to the target order, and if it is determined that there is a single payment channel that can be used to pay the target order, then directly return at least one matching payment channel list to the user That is, there is no need to perform the subsequent payment channel combination process; if the verification result indicates that the available resources corresponding to each single channel are not enough to pay the target order, then perform the subsequent payment channel combination operation.
  • the amount to be paid of the target order may be obtained from the order information corresponding to the target order.
  • the payment request sent by the user for the target order carries the order information of the target order, and the order information may include the order code information and payment amount of the target order. Therefore, based on the order information in the payment request sent by the user The amount to be paid corresponding to the target order can then be determined.
  • the specific form of the amount to be paid for the target order can be the amount of funds, the amount of currency, the number of points, the number of gold coins, etc., that is, the specific form of expression of the payment content corresponding to the amount to be paid can be set according to actual needs.
  • the description of one or more embodiments does not limit them.
  • step 104 according to the amount to be paid of the target order and the amount of each available resource, at least one payment channel is combined according to the preset channel combination rules to obtain multiple combined payment strategies, including the following steps 1, Step two and step three.
  • Step 1 Determine the combination channel corresponding to the target order according to the above-mentioned amount to be paid and the quota of each available resource.
  • Step 2 According to the payment priority corresponding to each payment channel in the combination channel, the above-mentioned available resource quota and the above-mentioned amount to be paid, determine the sub-payment amount corresponding to each payment channel in the combination channel according to the preset distribution rules.
  • Step 3 Determine the combination channel above and the sub-payment amount corresponding to each payment channel in the combination channel as a combined payment strategy.
  • any two payment channels in at least one payment channel can be combined, any three payment channels can be combined, or any four or More payment channels are combined.
  • the number of payment channels for combination is not limited. It is only required that the total amount of available resources corresponding to the combined channels is greater than or equal to the target order to be paid The amount is enough.
  • the combined channel corresponding to the target order is determined. Specifically, it can be realized through the following process: according to the amount to be paid and the amount of each available resource, at least one payment channel is combined, Obtain at least one group of combined channels; determine the corresponding rights and interests information of the target order; determine the combined channels that do not include payment channels that are mutually exclusive with the above rights and interests information as the combined channels corresponding to the target order.
  • At least one payment channel is combined according to the amount to be paid and each available resource quota to obtain at least one group of combined channels. Specifically, it can be realized through the following process: According to the corresponding Available resource quota, determine the sum of available resource quotas corresponding to any two or more payment channels, if the sum value is greater than or equal to the amount to be paid, then combine any two or more payment channels above to obtain a combined channels.
  • the payment channels for target order matching include payment channel 1, payment channel 2, payment channel 3, and payment channel 4.
  • the amount of available resources corresponding to payment channel 1 is 40 yuan
  • the amount of available resources corresponding to payment channel 2 is 60 yuan
  • the amount of available resources corresponding to payment channel 3 is 10 yuan
  • the amount of available resources corresponding to payment channel 4 is 80 yuan
  • the amount to be paid corresponding to the target order is 90 yuan, so in order to enable the combination channel to realize the payment of the target order, the total available resource amount corresponding to the combination channel needs to be greater than or equal to 90 yuan.
  • the combination channels that can be obtained include: payment channel 1 and payment channel 2, payment channel 1 and payment channel 3, payment channel 1 and payment channel 4, payment channel 2 and payment channel 3, payment channel 2 and payment channel 4, payment channel 3 and payment channel 4.
  • the corresponding total available resource amount is 100 yuan, which is greater than 90 yuan; for the combined channel of payment channel 1 and payment channel 3, the corresponding total available resource The resource amount is 50 yuan, less than 90 yuan; for the combination of payment channel 1 and payment channel 4, the corresponding total available resource amount is 120 yuan, greater than 90 yuan; for the combination of payment channel 2 and payment channel 3 channel, the corresponding total available resource amount is 70 yuan, which is less than 90 yuan; for the combined channel of payment channel 2 and payment channel 4, the corresponding total available resource amount is 140 yuan; for payment channel 3 As for the combined channel of payment channel 4, the corresponding total available resource amount is 90 yuan.
  • the combination channels that can be formed include: a combination channel of payment channel 1 and payment channel 2, a combination channel of payment channel 1 and payment channel 4, a combination channel of payment channel 2 and payment channel 4, and A combined channel of payment channel 3 and payment channel 4.
  • rights and interests information such as coupons, discount coupons, full discount coupons, red envelopes, etc. issued by merchants, or full discount coupons issued by payment platforms, Coupons, etc.; in this case, when making payment for the order, the benefit information corresponding to the order needs to be used.
  • the combined channel corresponding to at least one matching payment channel includes a combined channel of payment channel 2 and payment channel 4 , and a combined channel of payment channel 3 and payment channel 4 .
  • the combination channel that does not include the payment channel that is mutually exclusive with the above-mentioned rights and interests information is determined as the combination channel corresponding to the target order. Specifically, it can be achieved through the following process: For each combination channel, verify whether the payment channel included in the combination channel is It is mutually exclusive with the above rights and interests information; if so, delete the combination channel; otherwise, determine the combination channel as the combination channel corresponding to the target order.
  • payment channels that are mutually exclusive with each rights and interests information can be pre-stored on the payment platform.
  • determine the mutually exclusive payment channels corresponding to the rights and interests information and verify that each group Whether the above-mentioned mutually exclusive payment channel is included in the combination channel, if yes, determine that the combination channel cannot be used to pay for the target order, determine the combination channel as an invalid combination, cancel and delete the combination channel; if it is determined that a certain group of combination channels If the above-mentioned mutually exclusive payment channels are not included, it is determined that the combination channel can be used to pay for the target order, that is, the combination channel is determined to be the combination channel corresponding to at least one payment channel matched by the target order, that is, the combination The channel is determined as the combined channel corresponding to the target order.
  • the process of screening combined channels is only introduced by taking mutual exclusion of rights and interests information as an example.
  • combined channels can also be screened based on other rules to filter out A combined channel that can be used to pay for the target order; one or more embodiments of this specification will not explain the specific content of the above screening rules, and the above screening rules can be set in combination with actual needs during specific implementation.
  • the above step 1, determining the combination channel corresponding to the target order according to the above-mentioned amount to be paid and each available resource quota can also be realized through the following process: according to the above-mentioned amount to be paid and each available resource quota , combine at least one payment channel to obtain at least one group of combination channels; determine the rights and interests information corresponding to the target order; for each group of combination channels, check whether the payment channels included in the combination channel are mutually exclusive with the above rights and interests information; if , then delete the equity information corresponding to the target order, and determine the combination channel as the combination channel corresponding to the target order; otherwise, determine the combination channel as the combination channel corresponding to the target order.
  • the rights and interests information corresponding to the target order includes full discount coupons, but when users are using full discount coupons, they cannot use payment channel 1 for payment, that is, the rights and interests information corresponding to the target order is the same as Payment channel 1 is mutually exclusive, therefore, the combination channel that includes payment channel 1 cannot be used to pay for the target order. At this time, you can delete the rights and interests information of the discount coupon corresponding to the target order so that the payment channel is included 1's combination channel can continue to be used for the payment of target orders.
  • the above step 2 is performed, that is, according to the payment priority, available resource quota and amount to be paid corresponding to each payment channel in the combination channel, Determine the sub-payments corresponding to each payment channel in the combination channel according to the preset distribution rules.
  • the above payment priority can be understood as the payment priority set by the user on the payment platform. For example, assuming that the user has associated payment channel 1, payment channel 2, and payment channel 3 on the payment platform, when the user makes settings, the user sets priority to use payment channel 1 for payment, and when payment channel 1 cannot be used for payment, Use payment channel 2 for payment, and use payment channel 3 for payment when neither payment channel 1 nor payment channel 2 can be used for payment. That is, the payment priority of payment channel 1 is higher than that of payment channel 2, and the payment priority of payment channel 2 is higher than that of payment channel 3.
  • step 2 according to the payment priority, available resource quota and amount to be paid corresponding to each payment channel in the combination channel, determine the sub-payment quantity corresponding to each payment channel in the combination channel according to the preset distribution rules, specifically through The following steps (1), step (2) and step (3) are realized:
  • Step (1) for the payment channel whose payment priority ranks in the top N-1 among the combined channels, determine the amount of available resources corresponding to the payment channel as the sub-payment amount corresponding to the payment channel.
  • N is the number of payment channels included in the combined channel.
  • Step (2) determining the resource difference between the above amount to be paid and the total amount of available resources corresponding to each payment channel whose payment priority ranks top N-1.
  • Step (3) determining the resource difference as the sub-payment amount corresponding to the payment channel whose payment priority ranks N in the combination channel.
  • the specific value of the above N can be any value greater than 1, such as 2, 3 and other arbitrary values, and its specific value can be set according to actual needs. If the two are combined, in this application scenario, the specific value of the above N is 2.
  • the corresponding amount to be paid is 90 yuan
  • the available resource amount corresponding to payment channel 2 is 60 yuan
  • the available resource amount corresponding to payment channel 4 is 80 yuan.
  • the payment of the target order therefore, the amount of available resources corresponding to the payment channel 2 is determined as the sub-payment amount corresponding to the payment channel 2, that is, for the target order, the sub-payment amount corresponding to the payment channel 2 is 60 yuan
  • the resource difference between the amount to be paid and the sub-payment amount corresponding to payment channel 2 is 30 yuan
  • the payment amount corresponding to payment channel 4 is 30 yuan. Therefore, in this case, when using the combination channel corresponding to payment channel 2 and payment channel 4 to make payment, it is necessary to use payment channel 2 to pay 60 yuan, and to use payment channel 4 to pay 30 yuan.
  • the amount of available resources corresponding to payment channel 4 needs to be determined as the sub-payment amount corresponding to payment channel 4, that is, for the target order, the sub-payment amount corresponding to payment channel 4 is 80 yuan,
  • the resource difference between the amount to be paid and the sub-payment amount corresponding to payment channel 4 is 10 yuan, therefore, the payment amount corresponding to payment channel 2 is 10 yuan. Therefore, in this case, when using the combined channel corresponding to payment channel 2 and payment channel 4 to make payment, it is necessary to use payment channel 2 to pay 10 yuan, and to use payment channel 4 to pay 80 yuan.
  • each payment channel there may be preferential information corresponding to the payment channel, for example, if you use the user account balance to pay, you can immediately reduce XX yuan, etc.; therefore, for each payment channel, the sub-payment amount that may actually be paid is lower than the sub-payment amount assigned to the payment channel.
  • step 2 according to the payment priority, available resource quota and amount to be paid corresponding to each payment channel in the combination channel, determine the sub-payment quantity corresponding to each payment channel in the combination channel according to the preset distribution rules, and also It may include the following process: for each payment channel in the combined channel, determine whether there is corresponding payment rights information for the payment channel; Determine the sub-payment amount corresponding to the payment channel; if the payment channel with payment priority N has payment equity information, then determine the sub-payment amount corresponding to the payment channel based on the above resource difference and payment equity information subpayment amount.
  • each payment channel in order to attract users and increase traffic, it may issue rights and interests information to users who use the payment channel to make payment, such as coupons, discounts, discounts, etc.; In this case, when using the payment channel for payment, it is necessary to determine the actual payment amount corresponding to the payment channel based on the payment rights information corresponding to the payment channel.
  • the payment rights information corresponding to a certain payment channel is immediate reduction of XX yuan
  • the payment channel is a payment channel with the highest payment priority of N-1
  • the payment channel is the payment channel whose payment priority is ranked N
  • the amount to be paid corresponding to the target order is 100 yuan, and a coupon of 10 yuan can be used for the target order, then the actual amount to be paid corresponding to the target order is 90 yuan, and the combination channel only needs to pay 90 yuan. , that is, according to the amount to be paid corresponding to the target order is 90 yuan, the sub-payment amount corresponding to each payment channel is allocated.
  • each combined channel and the sub-payment amount corresponding to each payment channel in the combined channel can be determined as a combined payment strategy.
  • one or more The method provided by this embodiment may also include the following process: check the availability of the above-mentioned combination channel; if the availability check passes, then determine the combination channel and the sub-payment amount corresponding to each payment channel in the combination channel as the above-mentioned Combine payment strategies.
  • the aforementioned checking of the availability of the combination channel may specifically include the following process: checking whether the amount of available resources corresponding to each payment channel in the above combination channel is greater than or equal to the sub-payment amount corresponding to the payment channel, and checking the Whether the total amount of available resources corresponding to each payment channel in the combination channel is greater than or equal to the amount to be paid.
  • the verification result indicates that the amount of available resources corresponding to each payment channel is greater than or equal to the sub-payment amount corresponding to the payment channel, and the total amount of available resources corresponding to each payment channel in the combined channel is greater than or equal to the amount to be paid , it is determined that the availability check for the combination channel is passed.
  • the combination channel that passes the availability check and the sub-payment amount corresponding to each payment channel in the combination channel are determined as the combination payment strategy that can be used for the target order.
  • the number of combined payment strategies determined through the above process may be one or multiple.
  • the number of the determined combined payment strategy is one, it is enough to directly display the combined payment strategy to the user; if the user chooses to use the combined payment strategy to pay for the target order, then directly pay according to the combination
  • the policy can be used to process the payment of the target order.
  • multiple combined payment strategies may be displayed to the user, allowing the user to select a target combined payment strategy for paying the target order from multiple combined payment strategies, It is enough to process the target order based on the target combination payment strategy.
  • the method provided by one or more embodiments of this specification further includes the following Step: present multiple combined payment strategies to the user, so that the user can select a target combined payment strategy that pays for the target order from the multiple combined payment strategies.
  • multiple combined payment strategies are displayed to the user, but in fact, multiple combined payment strategies are sent to the terminal device used by the user, so that multiple combined payment strategies can be implemented through the terminal device.
  • the combined payment strategy sent to the user includes each payment channel corresponding to the combined payment strategy, the sub-payment amount corresponding to each payment channel, the rights and interests information corresponding to the target order, and the payment channel corresponding to each payment channel Benefit information.
  • a possible specific form of the combined payment strategy displayed to the user is as follows.
  • Combined payment strategy 1 payment channel 1 + payment channel 2, red envelope 10 yuan, payment channel 1 payment 70 yuan, payment channel 2 payment 10 yuan.
  • Combined payment strategy 2 payment channel 1+payment channel 3, red envelope 10 yuan, payment channel 1 has the payment rights minus 3 yuan, payment channel 1 pays 67 yuan, payment channel 2 pays 10 yuan.
  • Multiple combined payment strategies can be displayed to the user in the form of a list, and each combined payment strategy corresponds to its specific payment strategy content.
  • a selection box can be set in front of each combined payment strategy, and the user can select or cancel the corresponding combined payment strategy by clicking the corresponding selection box.
  • the method provided by one or more embodiments of this specification may also include the following Step: Determine the recommended combined payment strategy corresponding to the target order from multiple combined payment strategies; display the recommended combined payment strategy and other combined payment strategies in the multiple combined payment strategies to the user according to preset display rules.
  • the above determination of the recommended combination payment strategy corresponding to the target order from multiple combination payment strategies can be achieved through the following process: according to the preset scoring rules, the recommendation degree of multiple combination payment strategies is scored; the recommendation of multiple combination payment strategies The combination payment strategy with the highest degree score is determined as the above-mentioned recommended combination payment strategy.
  • the above-mentioned preset scoring rules may include scores corresponding to multi-dimensional settings such as payment success rate, payment discount strength, and user frequency of use; for ease of understanding, the following examples will be used for illustration.
  • a possible manifestation of the set preset scoring rules is as follows: in the nearly 30 payment orders, the number of payment failures is less than 3 times, and the score is 3 points; the number of payment failures is greater than or equal to 3 words and less than 5 times, score 2 points; payment failure times greater than or equal to 5 times, score 1 point; in nearly 30 payment orders, users use more than 5 times, score 3 points; user use times less than or equal to 5 times, greater than 3 times , score 2 points; the number of times the user uses it less than or equal to 3 times, score 1 point.
  • the payment channels in each combined payment strategy can be scored according to the above preset scoring rules, and the sum of the scores corresponding to each payment channel can be used as the recommendation score corresponding to the combined payment strategy.
  • a combined payment strategy with the highest recommendation score among the strategies is determined as the recommended combined payment strategy.
  • the above-mentioned display of the recommended combination payment strategy and other combination payment strategies among the multiple combination payment strategies to the user according to the preset display rules can be realized through the following process: display the recommended combination payment strategy on the terminal interface, and other combination payment strategies Hidden, when the user triggers the operation of displaying other combined payment strategies on the terminal device, other combined payment strategies will be displayed on the current interface.
  • the recommended combined payment strategy is displayed on the terminal interface as the first one in the list of combined payment strategies.
  • display the combined payment strategy list on the terminal interface and mark the recommended combined payment strategy in the combined payment strategy list, such as marking a "recommended" logo in a certain area of the recommended combined payment strategy.
  • the user after the combined payment strategy is shown to the user, the user will select the combined payment strategy he wants to use, record it as the target combined payment strategy, and notify the payment platform of the selected payment strategy through the terminal device.
  • the target combination payment strategy after the payment platform receives the selected target combination payment strategy fed back by the user, it will process the payment of the target order based on the combination payment strategy.
  • the payment processing of the target order is performed according to the selected target combination payment strategy among the multiple combination payment strategies, specifically including the following process: generating a resource deduction instruction corresponding to the target combination payment strategy; , the resource deduction instruction includes sub-resource deduction instructions corresponding to each payment channel in the target combination payment strategy; each sub-resource deduction instruction is sent to the corresponding payment channel, so that the payment channel executes resource deduction based on the sub-resource deduction instruction operate.
  • the target order is processed based on the target combination payment strategy, corresponding resources need to be deducted from different payment channels, that is, the resources of the corresponding sub-payment amount (such as funds, etc.), that is, it is necessary to send different resource deduction instructions to different payment channels.
  • the resources of the corresponding sub-payment amount Such as funds, etc.
  • the specific policy content corresponding to the target combination payment strategy is: payment channel 1 pays 100 yuan, payment channel 2 pays 90 yuan, then the generated resource deduction instruction includes a sub-resource deduction instruction of deducting 100 yuan from payment channel 1, And a sub-resource deduction instruction to deduct 90 yuan from payment channel 2.
  • generating the resource deduction instruction corresponding to the target combination payment strategy can also be understood as converting the target combination payment strategy into a payment instruction that can be recognized (understood) by the corresponding payment channel.
  • the method provided by one or more embodiments of this specification , further comprising the following step: displaying the payment result information corresponding to the target order to the user, the payment result information including the sub-payment amount corresponding to each payment channel.
  • the above payment result information may also include the amount to be paid corresponding to the target order, the preferential information corresponding to the target order, and the channel preferential information corresponding to each payment channel, etc. .
  • Fig. 2 shows a second schematic flowchart of the payment method provided by one or more embodiments of this specification. As shown in Fig. 2, the method specifically includes the following steps:
  • Step 202 receiving a payment request from the user to pay for the target order.
  • Step 204 determine at least one payment channel matched by the target order, and the available resource quota corresponding to each payment channel.
  • Step 206 According to the amount to be paid of the target order and the available resource quota corresponding to each payment channel, at least one payment channel matched by the target order is combined to obtain at least one group of combined channels.
  • Step 208 determine the rights and interests information corresponding to the target order.
  • Step 210 for each group of combined channels, check whether the payment channel included in the combined channel is mutually exclusive with the above-mentioned rights and interests information; if yes, go to step 212; otherwise, go to step 214.
  • Step 212 delete the rights and interests information corresponding to the target order, and determine the combination channel as the combination channel corresponding to the target order.
  • Step 214 determine the combined channel as the combined channel corresponding to the target order.
  • Step 216 for each payment channel in the combination channel, judge whether the payment channel has corresponding payment rights information; if yes, execute step 218; otherwise, execute step 220.
  • Step 218 if the payment channel with the top N-1 payment priority has payment rights information, then determine the sub-payment amount corresponding to the payment channel based on the available resource amount and payment rights information corresponding to the payment channel; If the payment channel with the Nth priority has payment rights and interests information, based on the resource difference between the amount to be paid and the total amount of available resources corresponding to each payment channel with the top N-1 payment priority and the above payment rights and interests information, Determine the sub-payment amount corresponding to the payment channel.
  • Step 220 for the payment channel whose payment priority ranks in the top N-1 among the combined channels, determine the amount of available resources corresponding to the payment channel as the sub-payment amount corresponding to the payment channel; for the payment channel whose payment priority ranks N For the payment channel, the resource difference between the payment amount and the total amount of available resources corresponding to each payment channel with the highest payment priority of N-1d is determined as the sub-payment amount corresponding to the payment channel.
  • Step 222 check the usability of each combined channel above; if the check is passed, execute step 224; otherwise, end.
  • Step 224 determine the combined channel and the sub-payment amount corresponding to each payment channel in the combined channel as a combined payment strategy.
  • Step 226 Determine the recommended combined payment strategy corresponding to the target order from multiple combined payment strategies.
  • Step 228 presenting the recommended combined payment strategy and other combined payment strategies in the determined combined payment strategy to the user according to preset display rules.
  • Step 230 determine the target combination payment strategy selected by the user.
  • Step 232 Perform payment processing for the target order based on the target combination payment strategy.
  • Step 234 displaying the payment result information corresponding to the target order to the user.
  • the combination channel can also be determined as an invalid combination channel, and the invalid combination channel can be eliminated.
  • the execution body of the method provided by one or more embodiments of this specification is the payment platform.
  • multiple systems may be set in the payment platform, and the payment of the target order can be realized through the cooperation of multiple systems.
  • the system set up on the payment platform may include cash register system, payment core system, payment decision-making system and fund deduction system. Payment processing for orders.
  • Figure 3 is an interactive flowchart of the payment method provided by one or more embodiments of this specification, as shown in Figure 3 As shown, the method includes steps 1 to 25 as follows.
  • Step 1 The user initiates a payment request for the target order to the cash register system through the terminal device.
  • Step 2 The cash register system initiates a payment rendering request to the payment core system.
  • Step 3 The payment core system sends a payment channel query request to the payment decision-making system. Wherein, the above payment channel query requests the user to query all payment channels associated with the user.
  • Step 4 The payment core system receives the payment channel list returned by the payment decision-making system.
  • Step 5 The payment core system determines at least one payment channel matching the target order from the payment channel list.
  • Step 6 The payment core system combines at least one payment channel matched by the target order according to the amount to be paid of the target order and the available resource quota corresponding to each payment channel to obtain at least one group of combined channels.
  • Step 7 The payment core system determines the rights and interests information corresponding to the target order.
  • Step 8 For each group of combined channels, the payment core system checks whether the payment channel included in the combined channel is mutually exclusive with the above-mentioned rights and interests information; if so, go to step 9; otherwise, go to step 10.
  • Step 9 The payment core system deletes the rights and interests information corresponding to the target order, and determines the combination channel as the combination channel corresponding to the target order.
  • the implementation manner corresponding to the above step 9 may also be replaced by other solutions, for example, the payment core system determines the combination channel as an invalid combination channel and eliminates the combination channel.
  • Step 10 the payment core system determines the combined channel as the combined channel corresponding to the target order.
  • Step 11 The payment core system determines the sub-payment amount corresponding to each payment channel in the combination channel.
  • Step 12 The payment core system performs usability check on the above combined channels.
  • Step 13 If the availability check passes, the payment core system constructs a combined payment strategy based on the combined channel and the sub-payment amount corresponding to each payment channel in the combined channel.
  • Step 14 the payment core system returns the constructed multiple combined payment strategies to the cash register system.
  • Step 15 the cashier system determines the recommended combined payment strategy corresponding to the target order from multiple combined payment strategies.
  • Step 16 The cash register system returns the recommended combination payment strategy and other combination payment strategies in the determined combination payment strategy to the terminal device.
  • Step 17 the terminal device displays the recommended combined payment strategy and other combined payment strategies according to preset display rules.
  • Step 18 The user selects the target combination payment strategy through the terminal device, and submits a payment request for payment using the target combination payment strategy to the cash register system.
  • Step 19 the cash register system sends the payment request to the payment core system.
  • Step 20 the payment core system generates a corresponding resource deduction instruction based on the target combined payment strategy.
  • Step 21 The payment core system sends the resource deduction instruction to the fund deduction system.
  • Step 22 the fund deduction system deducts resources from corresponding payment channels based on each sub-resource deduction instruction in the resource deduction instruction.
  • Step 23 the fund deduction system returns the payment result information to the payment core system.
  • Step 24 the payment core system returns the payment result information to the cash register system.
  • Step 25 the cash register system sends the payment result information to the terminal device for display to the user.
  • one or more embodiments of this specification also provide a payment device, and Figure 4 shows the payment device provided by one or more embodiments of this specification
  • Figure 4 is a schematic diagram of the module composition of the payment device provided by one or more embodiments of this specification.
  • the device includes: a determination module 402, which is used to determine at least one payment channel that matches the target order, and each payment channel Corresponding available resource quota; combination module 404, configured to perform payment channel combination on the at least one payment channel according to preset channel combination rules according to the amount to be paid of the target order and each of the available resource quotas, to obtain multiple a combined payment strategy; the payment module 406 is configured to process the payment of the target order according to the selected target combined payment strategy among the multiple combined payment strategies.
  • the payment device provided by one or more embodiments of this specification can realize all the content of the embodiments shown in Figure 1 to Figure 3, therefore, all the content that can be executed by the payment device can refer to the implementation shown in Figure 1 to Figure 3 The description of the example is omitted here.
  • the embodiment of this specification also provides a payment device, as shown in FIG. 5 .
  • the payment device may have relatively large differences due to different configurations or performances, and may include one or more than one processor 501 and memory 502, and one or more storage applications or data may be stored in the memory 502.
  • the storage 502 may be a short-term storage or a persistent storage.
  • the application program stored in the memory 502 may include one or more modules (not shown in the figure), and each module may include a series of computer-executable instruction information for the payment device.
  • the processor 501 may be configured to communicate with the memory 502, and execute a series of computer-executable instruction information in the memory 502 on the payment device.
  • the payment device may also include one or more power sources 503, one or more wired or wireless network interfaces 504, one or more input and output interfaces 505, one or more keyboards 506, and the like.
  • the payment device includes a memory, and one or more programs, wherein one or more programs are stored in the memory, and one or more programs may include one or more modules, and each The module may include a series of computer-executable instruction information in the payment device, and is configured to be executed by one or more processors.
  • the one or more programs include information for performing the following computer-executable instructions: At least one payment channel, and available resource quotas corresponding to each payment channel; according to the amount to be paid of the target order and each of the available resource quotas, perform payment channel combination on the at least one payment channel according to preset channel combination rules , obtaining multiple combined payment strategies; performing payment processing for the target order according to the selected target combined payment strategy among the multiple combined payment strategies.
  • the payment device provided by one or more embodiments of this specification can realize all the content of the embodiments shown in Figure 1 to Figure 3, therefore, all the content executable by the payment device can refer to the implementation shown in Figure 1 to Figure 3 The description of the example is omitted here.
  • the embodiment of this specification also provides a storage medium for storing computer-executable instruction information.
  • the storage medium can be a USB flash drive, a CD, a hard disk, etc.
  • the following process can be realized: at least one payment channel matching the target order is determined, and each payment channel corresponds to available resource quota; according to the amount to be paid of the target order and each of the available resource quotas, perform payment channel combination on the at least one payment channel according to the preset channel combination rules to obtain multiple combined payment strategies;
  • the selected target combination payment strategy among the plurality of combination payment strategies is used to process the payment of the target order.
  • the computer-executable instruction information stored in the storage medium provided by one or more embodiments of this specification can realize all the contents of the embodiments shown in Fig. 1 to Fig. 3 when executed by the processor, therefore, the For all the executable content of the computer-executable instruction information when executed by the processor, reference may be made to the description of the embodiments shown in FIG. 1 to FIG. 3 , which will not be repeated here.
  • the payment method, payment device, payment device, and storage medium provided by one or more embodiments of this specification have at least the following beneficial effects.
  • the payment channels can be combined freely, so that when a single payment channel is not enough to pay for a certain order, the payment is made in a combined manner, which improves the payment success rate; in addition, the method provided by the embodiment of this description is adopted Multiple combined payment strategies can be combined, so that users can choose freely, and the flexibility of payment channel combination is high, providing users with rich choices.
  • the number of channels corresponding to the target order is determined.
  • a combined payment strategy with a clear logical flow which can reduce the complexity of coding.
  • a Programmable Logic Device such as a Field Programmable Gate Array (FPGA)
  • FPGA Field Programmable Gate Array
  • HDL Hardware Description Language
  • the controller may be implemented in any suitable way, for example the controller may take the form of a microprocessor or processor and a computer readable medium storing computer readable program code (such as software or firmware) executable by the (micro)processor , logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers and embedded microcontrollers, examples of controllers include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320, the memory controller can also be implemented as part of the control logic of the memory.
  • controller in addition to realizing the controller in a purely computer-readable program code mode, it is entirely possible to make the controller use logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded The same function can be realized in the form of a microcontroller or the like. Therefore, such a controller can be regarded as a hardware component, and the devices included in it for realizing various functions can also be regarded as structures within the hardware component. Or even, means for realizing various functions can be regarded as a structure within both a software module realizing a method and a hardware component.
  • a typical implementing device is a computer.
  • the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or Combinations of any of these devices.
  • the embodiments of the present application may be provided as methods, systems, or computer program products. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.
  • computer-usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • These computer program instruction information may also be stored in a computer readable memory capable of directing a computer or other programmable data processing apparatus to operate in a specific manner, so that the instruction information stored in the computer readable memory produces an article of manufacture comprising the instruction information means , the instruction information device realizes the functions specified in one or more procedures of the flow chart and/or one or more blocks of the block diagram.
  • These computer program instruction information can also be loaded on a computer or other programmable data processing equipment, so that a series of operation steps are performed on the computer or other programmable equipment to produce computer-implemented processing, thereby executing on the computer or other programmable equipment
  • the instruction information provides steps for realizing the functions specified in one or more procedures of the flowchart and/or one or more blocks of the block diagram.
  • a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
  • processors CPUs
  • input/output interfaces network interfaces
  • memory volatile and non-volatile memory
  • Memory may include non-permanent storage in computer-readable media, in the form of random access memory (RAM) and/or nonvolatile memory such as read-only memory (ROM) or flash RAM. Memory is an example of computer readable media.
  • RAM random access memory
  • ROM read-only memory
  • flash RAM flash random access memory
  • Computer-readable media including both permanent and non-permanent, removable and non-removable media, can be implemented by any method or technology for storage of information.
  • the information may be computer readable instruction information, data structures, modules of a program, or other data.
  • Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read only memory (ROM), Electrically Erasable Programmable Read-Only Memory (EEPROM), Flash memory or other memory technology, Compact Disc Read-Only Memory (CD-ROM), Digital Versatile Disc (DVD) or other optical storage, Magnetic tape cartridge, tape disk storage or other magnetic storage device or any other non-transmission medium that can be used to store information that can be accessed by a computing device.
  • computer-readable media excludes transitory computer-readable media, such as modulated data signals and carrier waves.
  • the embodiments of the present application may be provided as methods, systems or computer program products. Accordingly, the present application can take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.
  • a computer-usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types.
  • the application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network.
  • program modules may be located in both local and remote computer storage media including storage devices.

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Abstract

本说明书实施例提供了一种支付方法及装置。该方法包括：确定目标订单匹配的至少一个支付渠道，以及各支付渠道对应的可用资源额度；根据目标订单的待支付数额和各个可用资源额度，按照预设的渠道组合规则对至少一个支付渠道进行支付渠道组合，获得多个组合支付策略；按照多个组合支付策略中被选定的目标组合支付策略，进行目标订单的支付处理。

Description

用于支付的方法及装置 技术领域
本文件涉及互联网技术领域，尤其涉及一种支付方法及装置。
背景技术
随着计算机及互联网技术的快速发展，通过支付平台进行线上支付的方式越来越广泛地应用于人们的生活、工作中；例如，用户线上购物通过支付平台进行支付等场景，通常，为了实现通过支付平台进行支付，用户需要将银行卡等可用于进行支付的工具与支付平台进行关联，这样，在基于支付平台进行支付时，可以从相应的支付工具进行资金的扣除；但是，在某些情况下，可能会存在某个支付工具的余额不足以支付某笔订单的情况的发生。
发明内容
本说明书一个或多个实施例提供了一种支付方法。其中，该方法包括：确定目标订单匹配的至少一个支付渠道，以及各支付渠道对应的可用资源额度；根据所述目标订单的待支付数额和各个所述可用资源额度，按照预设的渠道组合规则对所述至少一个支付渠道进行支付渠道组合，获得多个组合支付策略；按照所述多个组合支付策略中被选定的目标组合支付策略，进行所述目标订单的支付处理。
本说明书一个或多个实施例还提供了一种支付装置。其中，该支付装置包括：确定模块，确定目标订单匹配的至少一个支付渠道，以及各支付渠道对应的可用资源额度。组合模块，根据所述目标订单的待支付数额和各个所述可用资源额度，按照预设的渠道组合规则对所述至少一个支付渠道进行支付渠道组合，获得多个组合支付策略。支付模块，按照所述多个组合支付策略中被选定的目标组合支付策略，进行所述目标订单的支付处理。
本说明书一个或多个实施例还提供了一种支付设备。其中，该支付设备包括：处理器；以及被安排成存储计算机可执行指令的存储器。所述可执行指令在被执行时使所述处理器：确定目标订单匹配的至少一个支付渠道，以及各支付渠道对应的可用资源额度；根据所述目标订单的待支付数额和各个所述可用资源额度，按照预设的渠道组合规则对所述至少一个支付渠道进行支付渠道组合，获得多个组合支付策略；按照所述多个组合支付策略中被选定的目标组合支付策略，进行所述目标订单的支付处理。
本说明书一个或多个实施例还提供了一种存储介质，用于存储计算机可执行指令，所述可执行指令在被执行时实现以下流程：确定目标订单匹配的至少一个支付渠道，以及各支付渠道对应的可用资源额度；根据所述目标订单的待支付数额和各个所述可用资源额度，按照预设的渠道组合规则对所述至少一个支付渠道进行支付渠道组合，获得多个组合支付策略；按照所述多个组合支付策略中被选定的目标组合支付策略，进行所述目标订单的支付处理。
附图说明
为了更清楚地说明本说明书一个或多个实施例或现有技术中的技术方案，下面将对 实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本文件中记载的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1为本说明书一个或多个实施例提供的支付方法的第一种流程示意图；
图2为本说明书一个或多个实施例提供的支付方法的第二种流程示意图；
图3为本说明书一个或多个实施例提供的支付方法的交互流程示意图；
图4为本说明书一个或多个实施例提供的支付装置的模块组成示意图；
图5为本说明书一个或多个实施例提供的支付设备的结构示意图。
具体实施方式
为了使本技术领域的人员更好地理解本文件中的技术方案，下面将结合本说明书一个或多个实施例中的附图，对本说明书一个或多个实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本文件一部分实施例，而不是全部的实施例。基于本说明书中的一个或多个实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都应当属于本文件保护的范围。
首先，本说明书一个或多个实施例提供了一种支付方法，该方法应用于支付平台，也即，该方法的执行主体为支付平台。
图1为本说明书一个或多个实施例提供的支付方法的第一种流程示意图，如图1所示，该方法至少包括如下步骤：
步骤102，确定目标订单匹配的至少一个支付渠道，以及各支付渠道对应的可用资源额度。
步骤104，根据目标订单的待支付数额和各个可用资源额度，按照预设的渠道组合规则对至少一个支付渠道进行支付渠道组合，获得多个组合支付策略。
步骤106，按照多个支付组合策略中被选定的目标组合支付策略，进行目标订单的支付处理。
上述步骤102中，所确定出的目标订单匹配的支付渠道的数量可以为一个、也可以为多个，所匹配的支付渠道的具体数据跟实际应用场景相关联，本说明书一个或多个实施例并不对目标订单匹配的支付渠道的具体数量进行限定。例如，在用户所绑定的支付渠道中，只存在一个支付渠道可用于对目标订单进行支付，则目标订单匹配的支付渠道的数量则为一个；还例如，若是在用户所绑定的支付渠道中，存在三个支付渠道可用于对目标订单进行支付，则目标订单匹配的支付渠道的数量则为三个。
需要说明的是，本说明书一个或多个实施例中所提及到的目标订单匹配的支付渠道，实际上可以理解为，可用于对目标订单进行支付的支付渠道，也即，支持目标订单的支付的支付渠道。
本说明书一个或多个实施例中所提及到的支付渠道可以理解为可完成支付行为的支付工具，比如，上述支付渠道可以为用户绑定的银行卡、信用卡、用户账户余额等支付工具，当然，此处只是示例性列举几种可能的支付渠道，并不构成对上述支付渠道的限定。
上述步骤102中所提及到的可用资源额度，可以理解为该支付渠道当前可用于进行 支付的资源量。例如，假设上述支付渠道为用户账户余额，且用户账户余额为50元，则该支付渠道所对应的可用资源额度则为50元。还例如，假设上述支付渠道为信用卡，该信用卡当前剩余额度为20元，则该支付渠道所对应的可用资源额度为20元。
其中，所提及到的可用资源中的“资源”的具体表现形式可以为资金、货币、积分、金币等。
上述步骤102中，确定目标订单匹配的至少一个支付渠道，具体可以通过如下过程实现：获取用户在支付平台所关联的各个支付渠道；从各个支付渠道中筛选用于对目标订单进行支付的支付渠道，作为目标订单匹配的支付渠道。
对于不同商家的订单或者不同类型的订单而言，其可支持的支付渠道可能有所不同。例如，对于某些商家的订单而言，其可能并不支持信用卡支付等等。因此，在确定目标订单匹配的至少一个支付渠道时，首先可获取用户在支付平台所关联的所有的支付渠道，从用户所关联的所有的支付渠道中筛选可用于对目标订单进行支付的支付渠道，作为目标订单匹配的支付渠道。
在某些具体应用场景中，可能用户关联的所有的支付渠道都可用于对目标订单进行支付，这时，则将用户所关联的所有的支付渠道都确定为目标订单匹配的支付渠道；当然，在某些应用场景中，在用户所关联的所有的支付渠道中，可能仅存在其中几种支付渠道可用于对目标订单进行支付，这时，则将可用于对目标订单进行支付的这几种支付渠道作为目标订单匹配的支付渠道。
另外，为了便于进行支付渠道的组合，在确定出目标订单匹配的至少一个支付渠道后，还需要确定各个支付渠道所对应的可用资源额度。
可以从各个支付渠道获取其所对应的可用资源额度。例如，若是上述支付渠道为用户账户余额，则可以从用户账户获取用户的账户余额信息，基于账户余额信息确定用户账户所对应的余额，将该余额确定为用户账户余额所对应的可用资源额度，也即该用户账户余额可用于支付目标订单的最大资源量。
用户可以通过安装在终端设备(如手机、计算机、平板电脑等)上的客户端或者网页向支付平台发送针对目标订单的支付请求，其中，该支付请求中携带有目标订单的订单信息以及支付账户信息等，当支付平台接收到用户发送的针对目标订单的支付请求后，基于该支付请求中所携带的支付账户信息，查找该支付账户所关联的全部支付渠道，并从所关联的全部支付渠道中筛选用于对目标订单进行支付的支付渠道，从而作为目标订单匹配的支付渠道。
在本说明书一个或多个实施例中，在接收到用户通过终端设备发送的针对目标订单的支付请求后，确定目标订单所匹配的至少一个支付渠道，以及各个支付渠道所对应的可用资源额度，首先校验各个单个支付渠道所对应的可用资源额度是否足以支付目标订单所对应的待支付额度，若确定存在单个支付渠道可用于支付目标订单，则直接向用户返回所匹配的至少一个支付渠道列表即可，不需要再执行后续支付渠道组合的流程；若是校验结果指示各个单个渠道所对应的可用资源额度均不足以支付目标订单，则执行后续支付渠道组合的操作。
具体的，在上述步骤104中，目标订单的待支付数额可以从目标订单所对应的订单信息中获取。例如，用户发送的针对目标订单的支付请求中携带有目标订单的订单信息， 该订单信息中可以包括目标订单的订单编码信息以及支付金额等信息，因此，基于用户发送的支付请求中的订单信息即可确定出目标订单所对应的待支付数额。
其中，目标订单的待支付数额的具体表现形式可以为资金额度、货币数量、积分数量以及金币数量等等，也即，待支付数额所对应支付内容的具体表现形式可以依据实际需求进行设置，本说明书一个或多个实施例并不对其进行限定。
上述步骤104中，根据目标订单的待支付数额和各个可用资源额度，按照预设的渠道组合规则对至少一个支付渠道进行支付渠道组合，获得等多个组合支付策略，具体包括可如下步骤一、步骤二和步骤三。
步骤一、根据上述待支付数额和各个可用资源额度，确定目标订单所对应的组合渠道。
步骤二、根据上述组合渠道中的各个支付渠道所对应的支付优先级、上述可用资源额度和上述待支付数额，按照预设分配规则确定组合渠道中各个支付渠道所对应的子支付数额。
步骤三、将上述组合渠道及组合渠道中各个支付渠道所对应的子支付数额确定为组合支付策略。
其中，需要说明的是，上述步骤一中，在对至少一个支付渠道进行组合时，可以将至少一个支付渠道中的任意两个支付渠道进行组合、任意三个支付渠道进行组合或者任意四个或者更多个支付渠道进行组合，本说明书一个或多个实施例中，并不对进行组合的支付渠道的数量进行限定，只需要组合渠道所对应的总的可用资源额度大于或等于目标订单的待支付数额即可。
上述步骤一中，根据上述待支付数额和各个可用资源额度，确定目标订单所对应的组合渠道，具体可以通过如下过程实现：根据待支付数额和各个可用资源额度，对至少一个支付渠道进行组合，得到至少一组组合渠道；确定目标订单的所对应的权益信息；将不包含与上述权益信息互斥的支付渠道的组合渠道确定为目标订单所对应的组合渠道。
在本说明书一个或多个实施例中，根据待支付数额和各个可用资源额度，对至少一个支付渠道进行组合，得到至少一组组合渠道，具体可以通过如下过程实现：根据各个支付渠道所对应的可用资源额度，确定任意两个或者多个支付渠道所对应的可用资源额度的和值，若是该和值大于或等于待支付数额，则将上述任意两个或者多个支付渠道进行组合，得到一个组合渠道。
为便于理解上述过程，下述将举例进行说明。
例如，目标订单匹配的支付渠道包括支付渠道1、支付渠道2、支付渠道3和支付渠道4，将上述四个支付渠道两两进行组合，也即每两个支付渠道进行组合，得到一个组合渠道。假设支付渠道1所对应的可用资源额度为40元，支付渠道2所对应的可用资源额度为60元，支付渠道3所对应的可用资源额度为10元，支付渠道4所对应的可用资源额度为80元，目标订单所对应的待支付数额为90元，则为了使得组合渠道能够实现对目标订单的支付，则组合渠道所对应的总的可用资源额度需要大于或等于90元。
针对上述四个支付渠道而言，任意两个支付渠道进行组合，可以得到的组合渠道包括：支付渠道1和支付渠道2、支付渠道1和支付渠道3、支付渠道1和支付渠道4、支 付渠道2和支付渠道3、支付渠道2和支付渠道4、支付渠道3和支付渠道4。
对于支付渠道1和支付渠道2的组合渠道而言，其对应的总的可用资源额度为100元，大于90元；对于支付渠道1和支付渠道3的组合渠道而言，其对应的总的可用资源额度为50元，小于90元；对于支付渠道1和支付渠道4的组合渠道而言，其对应的总的可用资源额度为120元，大于90元；对于支付渠道2和支付渠道3的组合渠道而言，其对应的总的可用资源额度为70元，小于90元；对于支付渠道2和支付渠道4的组合渠道而言，其对应的总的可用资源额度为140元；对于支付渠道3和支付渠道4的组合渠道而言，其对应的总的可用资源额度为90元。
因此，针对上述四个支付渠道，其可形成的组合渠道包括：支付渠道1和支付渠道2的组合渠道、支付渠道1和支付渠道4的组合渠道、支付渠道2和支付渠道4的组合渠道以及支付渠道3和支付渠道4的组合渠道。
一般情况下，对于某些订单而言，其可能会存在一些权益信息，如商家发放的优惠券、折扣券、满减券、红包等等，或者，还可以为支付平台发放的满减券、优惠券等等；针对这种情况，在进行该订单的支付时，则需要使用该订单所对应的权益信息。
在一些具体实施方式中，可能存在某种支付渠道与权益信息互斥的情况，也即两者不能同时使用的情况。针对该种情况，则需要将包含有该支付渠道的组合渠道进行剔除。
例如，继续沿用上例，假设目标订单所对应的权益信息包括满减券，但是，当用户在使用满减券时，则不能使用支付渠道1进行支付，也即目标订单所对应的权益信息与支付渠道1进行互斥，因此，包含有支付渠道1的组合渠道则无法用于进行目标订单的支付，这时，则需要将包含有支付渠道1的组合渠道进行剔除，也即，与目标订单匹配的至少一个支付渠道所对应的组合渠道包括支付渠道2和支付渠道4的组合渠道、以及支付渠道3和支付渠道4的组合渠道。
上述将不包含与上述权益信息互斥的支付渠道的组合渠道确定为目标订单所对应的组合渠道，具体可以通过如下过程实现：针对每组组合渠道，校验该组合渠道所包含的支付渠道是否与上述权益信息互斥；若是，则删除该组合渠道；否则，将该组合渠道确定为目标订单所对应的组合渠道。
一般情况下，可以在支付平台预先存储与各个权益信息互斥的支付渠道，这样，当确定出目标订单所对应的权益信息后，确定该权益信息所对应的互斥支付渠道，校验每组组合渠道中是否包含上述互斥支付渠道，若是，则确定该组合渠道不能用于对目标订单进行支付，将该组合渠道确定为无效组合，取消并删除该组合渠道；若是确定某组组合渠道中不包含上述互斥支付渠道，则确定该组合渠道能够用于对目标订单进行支付，也即将该组合渠道确定为目标订单所匹配的至少一个支付渠道所对应的组合渠道，也即，将该组合渠道确定为目标订单所对应的组合渠道。
当然，本说明书一个或多个实施例中，只是以与权益信息互斥为例介绍了对组合渠道进行筛选的过程，除此之外，还可以基于其他规则对组合渠道进行筛选，以筛选出可用于对目标订单进行支付的组合渠道；本说明书一个或多个实施例不再对上述筛选规则的具体规则内容进行说明，在具体实施时，可以结合实际需求进行上述筛选规则的设置。
可选的，在另外一种具体实施方式中，当存在组合渠道中的某支付渠道与权益信息互斥的情况时，还可以删除该目标订单所对应的权益信息，但是保留该组合渠道。因此， 在本说明书实施例中，上述步骤一、根据上述待支付数额和各个可用资源额度，确定目标订单所对应的组合渠道，还可以通过如下过程实现：根据上述待支付数额和各个可用资源额度，对至少一个支付渠道进行组合，得到至少一组组合渠道；确定目标订单所对应的权益信息；针对每组组合渠道，校验该组合渠道所包含的支付渠道是否与上述权益信息互斥；若是，则删除目标订单所对应的权益信息，并将该组合渠道确定为目标订单所对应的组合渠道；否则，将该组合渠道确定为目标订单所对应的组合渠道。
例如，继续沿用上例，假设目标订单所对应的权益信息包括满减券，但是，当用户在使用满减券时，则不能使用支付渠道1进行支付，也即目标订单所对应的权益信息与支付渠道1进行互斥，因此，包含有支付渠道1的组合渠道则无法用于进行目标订单的支付，这时，可以删除目标订单所对应的满减券这一权益信息，使得包含有支付渠道1的组合渠道继续可以用于目标订单的支付。
具体的，在通过上述步骤一确定出目标订单所对应的组合渠道后，则执行上述步骤二，也即根据组合渠道中的各个支付渠道所对应的支付优先级、可用资源额度和待支付数额，按照预设分配规则确定组合渠道中各个支付渠道所对应的子支付数量。
上述支付优先级可理解为用户在支付平台所设置的支付优先级。例如，假设用户在支付平台关联了支付渠道1、支付渠道2和支付渠道3三个支付渠道，用户在进行设置时，设置为优先使用支付渠道1进行支付，在支付渠道1无法进行支付时，使用支付渠道2进行支付，当支付渠道1和支付渠道2均无法进行支付时，则使用支付渠道3进行支付。也即，支付渠道1的支付优先级高于支付渠道2，支付渠道2的支付优先级高于支付渠道3。
上述步骤二中，根据组合渠道中的各个支付渠道所对应的支付优先级、可用资源额度和待支付数额，按照预设分配规则确定组合渠道中各个支付渠道所对应的子支付数量，具体可以通过如下步骤(1)、步骤(2)和步骤(3)实现：
步骤(1)、针对组合渠道中支付优先级排在前N-1的支付渠道，将该支付渠道所对应的可用资源额度，确定为该支付渠道所对应的子支付数额。其中，N为组合渠道所包含的支付渠道的数量。
步骤(2)、确定上述待支付数额与支付优先级排在前N-1的各个支付渠道所对应的可用资源总额度的资源差值。
步骤(3)、将该资源差值确定为该组合渠道中支付优先级排在第N的支付渠道所对应的子支付数额。
其中，上述N的具体取值可以为大于1的任意数值，如2、3等任意数值，其具体取值可以依据实际需求进行设置，例如，在一种具体应用场景中，需要将支付渠道两两进行组合，则在该种应用场景下，上述N的具体取值则为2。
一般情况下，对于支付优先级排在前N-1的支付渠道而言，则直接将该支付渠道所对应的全部可用资源额度，用于进行目标订单的支付，也即该支付渠道所对应的子支付数额实际上为该支付渠道所对应的可用资源额度。对于该组合渠道中支付优先级排在第N(也即排在最后)的支付渠道，则需要支付该目标订单所对应的全部剩余支付额度。
为便于理解本说明书一个或多个实施例中，上述组合渠道中各个支付渠道所对应的子支付数额的分配过程，下述将举例进行说明。
例如，继续沿用上例，以上述举例中的支付渠道2和支付渠道4为例进行说明，假设在该支付渠道中支付渠道2所对应的支付优先级高于支付渠道4所对应的支付优先级，因此，在使用该组合渠道进行目标订单的支付时，则应该优先使用支付渠道2所对应的可用资源额度进行支付。
针对目的订单而言，其所对应的待支付数额为90元，支付渠道2所对应的可用资源额度为60元，支付渠道4所对应的可用资源额度为80元，由于优先使用支付渠道2进行目标订单的支付，因此，将支付渠道2所对应的可用资源额度确定为支付渠道2所对应的子支付数额，也即，针对目标订单而言，支付渠道2所对应的子支付数额为60元，待支付数额与支付渠道2所对应的子支付数额的资源差值为30元，因此，支付渠道4所对应的支付数额为30元。因此，在该种情况下，在使用支付渠道2和支付渠道4所对应的组合渠道进行支付时，需要使用支付渠道2支付60元，使用支付渠道4支付30元。
还例如，在另外一种具体实施方式中，针对上述支付渠道2和支付渠道4所组合的组合渠道而言，假设该支付渠道中支付渠道4的支付优先级高于支付渠道2的支付优先级，则在使用该组合渠道进行目标订单的支付时，则应该优先使用支付渠道4所对应的可用资源额度进行支付。
针对该种情况，需要将支付渠道4所对应的可用资源额度确定为支付渠道4所对应的子支付数额，也即，针对目标订单而言，支付渠道4所对应的子支付数额为80元，待支付数额与支付渠道4所对应的子支付数额的资源差值为10元，因此，支付渠道2所对应的支付数额为10元。因此，在该种情况下，在使用支付渠道2和支付渠道4所对应的组合渠道进行支付时，需要使用支付渠道2支付10元，使用支付渠道4支付80元。
可选的，在某些具体应用场景中，对于各个支付渠道而言，其可能存在该支付渠道所对应的优惠信息，例如，使用用户账户余额进行支付，可以立减XX元等等；因此，对于各个支付渠道而言，其可能实际支付的子支付数额低于分配给该支付渠道的子支付数额。
因此，上述步骤二中，根据组合渠道中的各个支付渠道所对应的支付优先级、可用资源额度和待支付数额，按照预设分配规则确定组合渠道中各个支付渠道所对应的子支付数量，还可以包括如下过程：针对组合渠道中的各个支付渠道，判断该支付渠道是否存在对应的支付权益信息；若支付优先级排在前N-1的支付渠道存在支付权益信息，则基于该可支付资源量和支付权益信息，确定支付渠道所对应的子支付数额；若支付优先级排在第N的支付渠道存在支付权益信息，则基于上述资源差值和支付权益信息，确定该支付渠道所对应的子支付数额。
一般情况下，对于各个支付渠道而言，为了达到吸引用户、增加流量的目的，其可能会向采用该支付渠道进行支付的用户发放权益信息，例如，优惠券、折扣、满减等等；因针对该种情况，则在使用在支付渠道进行支付时，需要基于该支付渠道所对应的支付权益信息，确定该支付渠道所对应的实际支付数额。
例如，若是某支付渠道所对应的支付权益信息为立减XX元，若是该支付渠道为支付优先级排在前N-1的支付渠道，则需要使用该支付渠道所对应的可支付资源量减去 XX元，作为该支付渠道所对应的子支付数额(也即实际支付数额)；若是该支付渠道为支付优先级排在第N的支付渠道，则需要使用上述计算出的资源差值减去XX元，作为该支付渠道所对应的子支付数额(也即实际支付数额)。
另外，需要说明的是，在本说明书实施例中，在分配组合渠道中各个支付渠道所对应的子支付数额时，若是目标订单存在对应的权益信息，则先基于目标订单所对应的待支付数额和权益信息，计算出目标订单所对应的实际待支付数额，基于实际待支付数额进行组合渠道中各个支付渠道所对应的子支付数额的分配。
例如，目标订单所对应的待支付数额为100元，目标订单可以使用一张10元的优惠券，则目标订单所对应的实际待支付数额为90元，则组合渠道只需要支付90元即可，也即按照目标订单所对应的待支付额度为90元进行各个支付渠道所对应的子支付数额的分配。
在确定出各个组合渠道中的各个支付渠道所对应的子支付额度后，则各个组合渠道及该组合渠道中各个支付渠道所对应的子支付额度可确定为组合支付策略。
为了保证所得到的组合支付策略能够成功支付目标订单，在执行上述步骤三，也即将组合渠道及该组合渠道中各个支付渠道所对应的子支付数额确定为组合支付策略之前，本说明书一个或多个实施例提供的方法，还可包括如下过程：对上述组合渠道进行可用性校验；若可用性校验通过，则将该组合渠道及该组合渠道中各个支付渠道所对应的子支付额度确定为上述组合支付策略。
若是上述组合渠道的可用性校验未通过，则确定该组合支付策略不可用，也不会向用户展示该组合支付策略。
上述对组合渠道进行可用性校验，具体可包括如下过程：校验上述组合渠道中的各个支付渠道所对应的可用资源额度是否大于或等于该支付渠道所对应的子支付数额，以及，校验该组合渠道中各个支付渠道所对应的可用资源总额度是否大于或等于待支付数额。
当然，若是校验结果指示各个支付渠道所对应的可用资源额度大于或等于该支付渠道所对应的子支付数额，以及该组合渠道中各个支付渠道所对应的可用资源总额度大于或等于待支付数额，则确定针对该组合渠道的可用性校验通过。
具体的，在对组合渠道进行可用性校验通过后，则可用性校验通过的组合渠道及该组合渠道中各个支付渠道所对应的子支付数额确定为可用于目标订单的组合支付策略。
其中，通过上述过程所确定出的组合支付策略的数量可以为一个，也可以为多个。
在具体实施时，若是所确定出的组合支付策略的数量为一个，则直接向用户展示该组合支付策略即可，若是用户选择使用该组合支付策略进行目标订单的支付，则直接按照该组合支付策略进行目标订单的支付处理即可。
当然，若是所确定出的组合支付策略的数量为多个，则可以向用户展示多个组合支付策略，让用户从多个组合支付策略中选择用于对目标订单进行支付的目标组合支付策略，以基于目标组合支付策略进行目标订单的处理即可。
因此，在执行上述步骤106，也即，按照多个组合支付策略中被选定的目标组合支付策略，执行目标订单的支付处理之前，本说明书一个或多个实施例提供的方法，还包括如下步骤：将多个组合支付策略展示给用户，以使用户从多个组合支付策略中选择对 目标订单进行支付的目标组合支付策略。
可选的，在具体实施方式中，将多个组合支付策略展示给用户，实际上则是将多个组合支付策略发送至用户所使用的终端设备，以通过终端设备进行多个组合支付策略的展示；具体的，发送给用户的组合支付策略包括该组合支付策略所对应的各个支付渠道、各个支付渠道所对应的子支付额度、目标订单所对应的权益信息以及每个支付渠道所对应的支付权益信息。
为便于理解，下述将举例进行说明。
例如，目标订单所对应的待支付额度为90元，则展示给用户的组合支付策略的一种可能的具体形式如下所示。
组合支付策略1：支付渠道1+支付渠道2，红包10元，支付渠道1支付70元，支付渠道2支付10元。
组合支付策略2：支付渠道1+支付渠道3，红包10元，支付渠道1存在减3元的支付权益，支付渠道1支付67元，支付渠道2支付10元。
当然，此处只是示例性说明向用户展示的组合支付策略的具体形式，并不构成对本说明书实施例的限定。
可以将多个组合支付策略以列表的形式展示给用户，每个组合支付策略对应有其具体的支付策略内容。为了便于用户从多个组合支付策略中选择需要使用的目标组合支付策略，可以在各个组合支付策略前面设置有选择框，用户通过点击相应的选择框可以实现相应组合支付策略的选择或者取消选择。
在确定了针对目标订单的多个组合支付策略之后，还可以从多个组合支付策略中确定针对目标订单的推荐组合支付策略，并将该推荐组合支付策略展示给用户。因此，在执行上述步骤106之前，也即按照多个组合支付策略中被选定的目标组合支付策略，进行目标订单的支付处理之前，本说明书一个或多个实施例提供的方法还可包括如下步骤：从多个组合支付策略中确定目标订单所对应的推荐组合支付策略；将该推荐组合支付策略和多个组合支付策略中的其他组合支付策略按照预设展示规则展示给用户。
上述从多个组合支付策略中确定目标订单所对应的推荐组合支付策略，具体可以通过如下过程实现：按照预设打分规则对多个组合支付策略进行推荐度打分；将多个组合支付策略中推荐度得分最高的组合支付策略确定为上述推荐组合支付策略。
其中，上述预设打分规则可以包括支付成功率、支付优惠力度、用户的使用频率等多个维度设置对应的得分；为便于理解，下述将举例进行说明。
例如，所设置的预设打分规则的一种可能的表现形式如下所示：在近30笔支付订单中，支付失败次数小于3次，得分3分；支付失败次数大于等于3词、且小于5次，得分2分；支付失败次数大于或等于5次，得分1分；在近30笔支付订单中，用户使用次数大于5次，得分3分；用户使用次数小于或等于5次，大于3次，得分2分；用户使用次数小于或等于3次，得分1分。
当然，此处只是示例性列举所设置的预设打分规则的一种可能的具体形式，并不构成对本说明书实施例的限定。
针对各个组合支付策略，可按照上述预设打分规则对各个组合支付策略中的支付渠道进行打分，将各个支付渠道所对应得分的和值作为组合支付策略所对应的推荐度得分， 将所有组合支付策略中推荐度得分最高的一个组合支付策略确定为推荐组合支付策略。
上述将推荐组合支付策略和多个组合支付策略中的其他组合支付策略按照预设展示规则展示给用户，具体可以通过如下过程实现：将推荐组合支付策略展示在终端界面上，其他组合支付策略进行隐藏，当用户在终端设备上触发展示其他组合支付策略的操作后，则在当前界面上展示其他组合支付策略。
还或者，将推荐组合支付策略作为组合支付策略列表中的第一个，展示在终端界面上。还或者，在终端界面上展示组合支付策略列表，并对组合支付策略列表中的推荐组合支付策略进行标记，如在推荐组合支付策略某区域内标记“推荐”的标识。
当然，此处只是示例性的列举了几种可能的组合支付策略的几种可能的展示形式，并不构成对本说明书实施例的限定。
具体的，在本说明书实施例中，在将组合支付策略展示给用户后，用户会选择自己想要使用的组合支付策略，记为目标组合支付策略，并通过终端设备通知支付平台其所选择的目标组合支付策略，支付平台在接收到用户反馈的其所选择的目标组合支付策略后，则基于该组合支付策略进行目标订单的支付处理。
可选的，上述步骤106中，按照多个组合支付策略中被选定的目标组合支付策略，进行目标订单的支付处理，具体包括如下过程：生成目标组合支付策略所对应的资源扣除指令；其中，该资源扣除指令包括目标组合支付策略中的各个支付渠道所对应的子资源扣除指令；将各个子资源扣除指令发送至相应的支付渠道，以使该支付渠道基于该子资源扣除指令执行资源扣除操作。
对于组合支付策略而言，由于其包含多个支付渠道，在基于该目标组合支付策略进行目标订单的支付处理时，需要从不同的支付渠道扣除相应资源，也即扣除相应子支付额度的资源(如资金等)的操作，也即需要向不同的支付渠道发送不同的资源扣除指令。
因此，需要生成目标组合支付策略所对应的资源扣除指令。例如，目标组合支付策略所对应的具体策略内容为：支付渠道1支付100元，支付渠道2支付90元，则所生成的资源扣除指令则包括从支付渠道1扣除100元的子资源扣除指令，以及从支付渠道2扣除90元的子资源扣除指令。
在本说明书实施例中，生成目标组合支付策略所对应的资源扣除指令，实际上，也可以理解为，将目标组合支付策略转化为相应支付渠道可以识别(理解)的支付指令。
可选的，在执行了上述步骤106之后，也即，按照多个组合支付策略中被选定的目标组合支付策略，进行目标订单的支付处理之后，本说明书一个或多个实施例提供的方法，还包括如下步骤：将目标订单所对应的支付结果信息展示给用户，该支付结果信息包含各个支付渠道所对应的子支付额度。
当然，上述支付结果信息除了包含各个支付渠道所对应的子支付额度外，还可以包括目标订单所对应的待支付额度，目标订单所对应的优惠信息以及各个支付渠道所对应的渠道优惠信息等等。
图2示出了本说明书一个或多个实施例提供的支付方法的第二种流程示意图，如图2所示，该方法具体包括如下步骤：
步骤202，接收用户对目标订单进行支付的支付请求。
步骤204，确定目标订单所匹配的至少一个支付渠道，以及各支付渠道对应的可用 资源额度。
步骤206，根据目标订单的待支付数额和各个支付渠道所对应的可用资源额度，对目标订单所匹配的至少一个支付渠道进行组合，得到至少一组组合渠道。
步骤208，确定目标订单所对应的权益信息。
步骤210，针对每组组合渠道，校验该组合渠道所包含的支付渠道是否与上述权益信息互斥；若是，则执行步骤212；否则，执行步骤214。
步骤212，删除目标订单所对应的权益信息，并将该组合渠道确定为目标订单所对应的组合渠道。
步骤214，将该组合渠道确定为目标订单所对应的组合渠道。
步骤216，针对组合渠道中的各个支付渠道，判断该支付渠道是否存在对应的支付权益信息；若是，则执行步骤218；否则，执行步骤220。
步骤218，若支付优先级排在前N-1的支付渠道存在支付权益信息，则基于该支付渠道所对应的可用资源额度和支付权益信息，确定该支付渠道所对应的子支付数额；若支付优先级排在第N的支付渠道存在支付权益信息，则基于待支付数额与支付优先级排在前N-1的各支付渠道所对应的可用资源总额度的资源差值和上述支付权益信息，确定该支付渠道所对应的子支付数额。
步骤220，针对组合渠道中支付优先级排在前N-1的支付渠道，将该支付渠道所对应的可用资源额度，确定为支付渠道所对应的子支付数额；对于支付优先级排在第N的支付渠道，将带支付数额与支付优先级排在前N-1d的各支付渠道所对应的可用资源总额度的资源差值，确定为该支付渠道所对应的子支付数额。
步骤222，对上述各个组合渠道进行可用性校验；若校验通过，则执行步骤224；否则，结束。
步骤224，将该组合渠道及该组合渠道中各个支付渠道所对应的子支付额度确定为组合支付策略。
步骤226，从多个组合支付策略中确定目标订单所对应的推荐组合支付策略。
步骤228，将推荐组合支付策略和所确定的组合支付策略中的其他组合支付策略按照预设展示规则展示给用户。
步骤230，确定用户所选择的目标组合支付策略。
步骤232，基于目标组合支付策略，进行目标订单的支付处理。
步骤234，将目标订单所对应的支付结果信息展示给用户。
当然，在图2所示实施例中，若是通过步骤210确定出某组合渠道所包含的支付渠道与目标订单的权益信息互斥，还可以将该组合渠道确定为无效组合渠道，并剔除该无效组合渠道的方式实施；上述图2只是示例性列举了本说明书的一种可能的具体实施方式，并不构成对本说明书实施例的限定。
其中，本说明书一个或多个实施例所提供的方法的执行主体为支付平台，相应的，在该支付平台中可以设置有多个系统，通过多个系统相互配合实现目标订单的支付。
可选的，设置于支付平台上的系统可以包括收银台系统、支付核心系统、支付决策系统以及资金扣除系统，通过收银系统、支付核心系统、支付决策系统以及资金扣除系统相互配合，实现针对目标订单的支付处理。
为便于理解本说明书实施例提供的方法，下述将结合上述系统介绍本说明书实施例提供的支付方法，图3为本说明书一个或多个实施例提供的支付方法的交互流程图，如图3所示，该方法包括如下步骤1至25。
步骤1、用户通过终端设备向收银台系统发起针对目标订单的支付请求。
步骤2、收银台系统向支付核心系统发起支付渲染请求。
步骤3、支付核心系统向支付决策系统发送支付渠道查询请求。其中，上述支付渠道查询请求用户查询用户所关联的全部支付渠道。
步骤4、支付核心系统接收支付决策系统返回的支付渠道列表。
步骤5、支付核心系统从支付渠道列表中确定目标订单匹配的至少一个支付渠道。
步骤6、支付核心系统根据目标订单的待支付数额和各个支付渠道所对应的可用资源额度，对目标订单所匹配的至少一个支付渠道进行组合，得到至少一组组合渠道。
步骤7、支付核心系统确定目标订单所对应的权益信息。
步骤8、针对每组组合渠道，支付核心系统校验该组合渠道所包含的支付渠道是否与上述权益信息互斥；若是，则执行步骤9；否则，执行步骤10。
步骤9、支付核心系统删除目标订单所对应的权益信息，并将该组合渠道确定为目标订单所对应的组合渠道。当然，在其他具体实施方式中，上述步骤9所对应的实施方式也可以通过其他方案替代，如支付核心系统将该组合渠道确定为无效组合渠道，并剔除该组合渠道。
步骤10、支付核心系统将该组合渠道确定为目标订单所对应的组合渠道。
步骤11、支付核心系统确定组合渠道中各支付渠道所对应的子支付额度。
步骤12、支付核心系统对上述各个组合渠道进行可用性校验。
步骤13、若可用性校验通过，支付核心系统基于将该组合渠道及该组合渠道中各个支付渠道所对应的子支付额度构建组合支付策略。
步骤14、支付核心系统将构建的多个组合支付策略返回给收银台系统。
步骤15、收银台系统从多个组合支付策略中确定目标订单所对应的推荐组合支付策略。
步骤16、收银台系统将推荐组合支付策略和所确定的组合支付策略中的其他组合支付策略返回给终端设备。
步骤17、终端设备按照预设展示规则展示推荐组合支付策略和其他组合支付策略。
步骤18、用户通过终端设备选择目标组合支付策略，并向收银台系统提交使用目标组合支付策略进行支付的支付请求。
步骤19、收银台系统将该支付请求发送给支付核心系统。
步骤20、支付核心系统基于目标组合支付策略生成对应的资源扣除指令。
步骤21、支付核心系统将资源扣除指令发送至资金扣除系统。
步骤22、资金扣除系统基于资源扣除指令中的各个子资源扣除指令从相应支付渠道进行资源扣除。
步骤23、资金扣除系统向支付核心系统返回支付结果信息。
步骤24、支付核心系统将支付结果信息返回给收银台系统。
步骤25、收银台系统将支付结果信息发送给终端设备，以展示给用户。
其中，图3所示实施例中各个步骤的具体实现过程可参考图1所示实施例，此处不再赘述。
对应于图1至图3所示实施例提供的方法，基于相同的思路，本说明书一个或多个实施例还提供了一种支付装置，图4为本说明书一个或多个实施例提供的支付装置的模块组成示意图，用于执行本说明书图1至图3所示实施例提供的方法。图4为本说明书一个或多个实施例提供的支付装置的模块组成示意图，如图4所示，该装置包括：确定模块402，用于确定目标订单匹配的至少一个支付渠道，以及各支付渠道对应的可用资源额度；组合模块404，用于根据所述目标订单的待支付数额和各个所述可用资源额度，按照预设的渠道组合规则对所述至少一个支付渠道进行支付渠道组合，获得多个组合支付策略；支付模块406，用于按照所述多个组合支付策略中被选定的目标组合支付策略，进行所述目标订单的支付处理。
其中，本说明书一个或多个实施例所提供的支付装置可实现图1至图3所示实施例的全部内容，因此，该支付装置可执行的全部内容可参考图1至图3所示实施例的描述，此处不再赘述。
进一步地，基于上述图1至图3所示的方法，本说明书实施例还提供了一种支付设备，如图5所示。
支付设备可因配置或性能不同而产生比较大的差异，可以包括一个或一个以上的处理器501和存储器502，存储器502中可以存储有一个或一个以上存储应用程序或数据。其中，存储器502可以是短暂存储或持久存储。存储在存储器502的应用程序可以包括一个或一个以上模块(图示未示出)，每个模块可以包括对支付设备中的一系列计算机可执行指令信息。更进一步地，处理器501可以设置为与存储器502通信，在支付设备上执行存储器502中的一系列计算机可执行指令信息。支付设备还可以包括一个或一个以上电源503，一个或一个以上有线或无线网络接口504，一个或一个以上输入输出接口505，一个或一个以上键盘506等。
在一个具体的实施例中，支付设备包括有存储器，以及一个或一个以上的程序，其中一个或者一个以上程序存储于存储器中，且一个或者一个以上程序可以包括一个或一个以上模块，且每个模块可以包括对支付设备中的一系列计算机可执行指令信息，且经配置以由一个或者一个以上处理器执行该一个或者一个以上程序包含用于进行以下计算机可执行指令信息：确定目标订单匹配的至少一个支付渠道，以及各支付渠道对应的可用资源额度；根据所述目标订单的待支付数额和各个所述可用资源额度，按照预设的渠道组合规则对所述至少一个支付渠道进行支付渠道组合，获得多个组合支付策略；按照所述多个组合支付策略中被选定的目标组合支付策略，进行所述目标订单的支付处理。
其中，本说明书一个或多个实施例所提供的支付设备可实现图1至图3所示实施例的全部内容，因此，该支付设备可执行的全部内容可参考图1至图3所示实施例的描述，此处不再赘述。
进一步地，基于上述图1至图3所示的方法，本说明书实施例还提供了一种存储介质，用于存储计算机可执行指令信息。该存储介质可以为U盘、光盘、硬盘等，该存储介质存储的计算机可执行指令信息在被处理器执行时，能实现以下流程：确定目标订单匹配的至少一个支付渠道，以及各支付渠道对应的可用资源额度；根据所述目标订单的 待支付数额和各个所述可用资源额度，按照预设的渠道组合规则对所述至少一个支付渠道进行支付渠道组合，获得多个组合支付策略；按照所述多个组合支付策略中被选定的目标组合支付策略，进行所述目标订单的支付处理。
其中，本说明书一个或多个实施例所提供的存储介质存储的计算机可执行指令信息在被处理器执行时可实现图1至图3所示实施例的全部内容，因此，该存储介质存储的计算机可执行指令信息在被处理器执行时可执行的全部内容可参考图1至图3所示实施例的描述，此处不再赘述。
本说明书一个或多个实施例提供的支付方法、支付装置、支付设备、存储介质，至少具有如下有益效果。
(1)、在本说明书实施例中，在确定出目标订单所匹配的至少一个支付渠道后，可以基于目标订单的待支付数额和各个支付渠道所对应的可用资源额度，按照预设的渠道组合规则对所匹配出的至少一个支付渠道进行支付渠道组合，得到多个组合支付策略，从而使得用户可以从多个组合支付策略中选择对目标订单进行支付的目标组合支付策略；也即，通过本说明书实施例，可以基于支付渠道自由进行组合，使得在单个支付渠道不足以支付某笔订单的情况下，通过组合的方式进行支付，提高了支付成功率；另外，采用本说明书实施例提供的方法可以组合出多个组合支付策略，使得用户可以自由选择，支付渠道组合的灵活性较高，给用户提供了丰富的选择。
(2)、在本说明书实施例中，在确定出可用于对目标订单进行支付的组合支付策略后，可以按照预设打分规则对多个组合支付策略进行推荐度打分，基于各个组合支付策略所对应的推荐度得分，确定多个组合支付策略中的推荐组合支付策略，从而可以向用户推荐目标组合支付策略，便于用户选择从多个组合支付策略中选择目标组合支付策略。
(3)、在本说明书实施例中，按照匹配目标订单所对应的至少一个支付渠道、支付渠道的组合、待支付数额的分配、组合渠道可用性检查等一系列标准流程确定目标订单所对应的多个组合支付策略，逻辑流程清晰，从而可以降低编码的复杂度。
上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者可能是有利的。
在20世纪90年代，对于一个技术的改进可以很明显地区分是硬件上的改进(例如，对二极管、晶体管、开关等电路结构的改进)还是软件上的改进(对于方法流程的改进)。然而，随着技术的发展，当今的很多方法流程的改进已经可以视为硬件电路结构的直接改进。设计人员几乎都通过将改进的方法流程编程到硬件电路中来得到相应的硬件电路结构。因此，不能说一个方法流程的改进就不能用硬件实体模块来实现。例如，可编程逻辑器件(Programmable Logic Device，PLD)(例如现场可编程门阵列(Field Programmable Gate Array，FPGA))就是这样一种集成电路，其逻辑功能由用户对器件编程来确定。由设计人员自行编程来把一个数字系统“集成”在一片PLD上，而不需要请芯片制造厂商来设计和制作专用的集成电路芯片。而且，如今，取代手工地制作集成电路芯片，这种编程也多半改用“逻辑编译器(logic compiler)”软件来实现，它与 程序开发撰写时所用的软件编译器相类似，而要编译之前的原始代码也得用特定的编程语言来撰写，此称之为硬件描述语言(Hardware Description Language，HDL)，而HDL也并非仅有一种，而是有许多种，如ABEL(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language)等，目前最普遍使用的是VHDL(Very-High-Speed Integrated Circuit Hardware Description Language)与Verilog。本领域技术人员也应该清楚，只需要将方法流程用上述几种硬件描述语言稍作逻辑编程并编程到集成电路中，就可以很容易得到实现该逻辑方法流程的硬件电路。
控制器可以按任何适当的方式实现，例如，控制器可以采取例如微处理器或处理器以及存储可由该(微)处理器执行的计算机可读程序代码(例如软件或固件)的计算机可读介质、逻辑门、开关、专用集成电路(Application Specific Integrated Circuit，ASIC)、可编程逻辑控制器和嵌入微控制器的形式，控制器的例子包括但不限于以下微控制器：ARC 625D、Atmel AT91SAM、Microchip PIC18F26K20以及Silicone Labs C8051F320，存储器控制器还可以被实现为存储器的控制逻辑的一部分。本领域技术人员也知道，除了以纯计算机可读程序代码方式实现控制器以外，完全可以通过将方法步骤进行逻辑编程来使得控制器以逻辑门、开关、专用集成电路、可编程逻辑控制器和嵌入微控制器等的形式来实现相同功能。因此这种控制器可以被认为是一种硬件部件，而对其内包括的用于实现各种功能的装置也可以视为硬件部件内的结构。或者甚至，可以将用于实现各种功能的装置视为既可以是实现方法的软件模块又可以是硬件部件内的结构。
上述实施例阐明的系统、装置、模块或单元，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机。具体的，计算机例如可以为个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任何设备的组合。
为了描述的方便，描述以上装置时以功能分为各种单元分别描述。当然，在实施本申请时可以把各单元的功能在同一个或多个软件和/或硬件中实现。
本领域内的技术人员应明白，本申请的实施例可提供为方法、系统、或计算机程序产品。因此，本申请可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本申请可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本申请是参照根据本说明书实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令信息实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令信息到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令信息产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令信息也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令信息产生包括指令信息装置的制造品，该指令信息装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令信息也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令信息提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
在一个典型的配置中，计算设备包括一个或多个处理器(CPU)、输入/输出接口、网络接口和内存。
内存可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM)和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)。内存是计算机可读介质的示例。
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令信息、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。
本领域技术人员应明白，本申请的实施例可提供为方法、系统或计算机程序产品。因此，本申请可采用完全硬件实施例、完全软件实施例或结合软件和硬件方面的实施例的形式。而且，本申请可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本申请可以在由计算机执行的计算机可执行指令信息的一般上下文中描述，例如程序模块。一般地，程序模块包括执行特定任务或实现特定抽象数据类型的例程、程序、对象、组件、数据结构等等。也可以在分布式计算环境中实践本申请，在这些分布式计算环境中，由通过通信网络而被连接的远程处理设备来执行任务。在分布式计算环境中，程序模块可以位于包括存储设备在内的本地和远程计算机存储介质中。
本说明书中的各个实施例均采用递进的方式描述，各个实施例之间相同相似的部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于系统 实施例而言，由于其基本相似于方法实施例，所以描述的比较简单，相关之处参见方法实施例的部分说明即可。
以上所述仅为本申请的实施例而已，并不用于限制本申请。对于本领域技术人员来说，本申请可以有各种更改和变化。凡在本申请的精神和原理之内所作的任何修改、等同替换、改进等，均应包含在本申请的权利要求范围之内。

Claims (18)

  1. 一种支付方法，包括：
    确定目标订单匹配的至少一个支付渠道，以及各支付渠道对应的可用资源额度；
    根据所述目标订单的待支付数额和各个所述可用资源额度，按照预设的渠道组合规则对所述至少一个支付渠道进行支付渠道组合，获得多个组合支付策略；
    按照所述多个组合支付策略中被选定的目标组合支付策略，进行所述目标订单的支付处理。
  2. 如权利要求1所述的方法，所述确定目标订单匹配的至少一个支付渠道，包括：
    获取用户在支付平台所关联的各个支付渠道；
    从各个所述支付渠道中筛选用于对所述目标订单进行支付的支付渠道，作为所述目标订单匹配的支付渠道。
  3. 如权利要求1所述的方法，所述根据所述目标订单的待支付数额和各个所述可用资源额度，按照预设的渠道组合规则对所述至少一个支付渠道进行支付渠道组合，获得多个组合支付策略，包括：
    根据所述待支付数额和各个所述可用资源额度，确定所述目标订单所对应的组合渠道；
    根据所述组合渠道中的各个支付渠道所对应的支付优先级、所述可用资源额度和所述待支付数额，按照预设分配规则确定所述组合渠道中各个所述支付渠道所对应的子支付数额；
    将所述组合渠道及所述组合渠道中各个支付渠道所对应的子支付数额确定为所述组合支付策略。
  4. 如权利要求3所述的方法，所述根据所述待支付数额和各个所述可用资源额度，确定所述目标订单所对应的组合渠道，包括：
    根据所述待支付数额和各个所述可用资源额度，对所述至少一个支付渠道进行组合，得到至少一组组合渠道；
    确定所述目标订单所对应的权益信息；
    将不包含与所述权益信息互斥的支付渠道的组合渠道确定为所述目标订单所对应的组合渠道。
  5. 如权利要求4所述的方法，所述将不包含与所述权益信息互斥的支付渠道的组合渠道确定为所述目标订单所对应的组合渠道，包括：
    针对每组所述组合渠道，校验所述组合渠道所包含的支付渠道是否与所述权益信息互斥；
    若是，则删除所述组合渠道；否则，将所述组合渠道确定为所述目标订单所对应的组合渠道。
  6. 如权利要求3所述的方法，所述根据所述待支付数额和各个所述可用资源额度，确定所述目标订单所对应的组合渠道，包括：
    根据所述待支付数额和各个所述可用资源额度，对所述至少一个支付渠道进行组合，得到至少一组组合渠道；
    确定所述目标订单所对应的权益信息；
    针对每组所述组合渠道，校验所述组合渠道所包含的支付渠道是否与所述权益信息互斥；
    若是，则删除所述目标订单所对应的权益信息，并将所述组合渠道确定为所述目标订单所对应的组合渠道；否则，将所述组合渠道确定为所述目标订单所对应的组合渠道。
  7. 如权利要求3所述的方法，所述根据所述组合渠道中的各个支付渠道所对应的支付优先级、所述可用资源额度和所述待支付数额，按照预设分配规则确定所述组合渠道中各个所述支付渠道所对应的子支付数额，包括：
    针对所述组合渠道中支付优先级排在前N-1的支付渠道，将所述支付渠道所对应的可用资源额度，确定为所述支付渠道所对应的子支付数额；其中，N为所述组合渠道所包含的支付渠道的数量；
    确定所述待支付数额与支付优先级排在前N-1的各个支付渠道所对应的可用资源总额度的资源差值；
    将所述资源差值确定为所述组合渠道中支付优先级排在第N的支付渠道所对应的子支付数额。
  8. 如权利要求7所述的方法，所述根据所述组合渠道中的各个支付渠道所对应的支付优先级、所述可用资源额度和所述待支付数额，按照预设分配规则确定所述组合渠道中各个所述支付渠道所对应的子支付数额，还包括：
    针对所述组合渠道中的各个支付渠道，判断所述支付渠道是否存在对应的支付权益信息；
    若支付优先级排在前N-1的支付渠道存在所述支付权益信息，则基于所述可用资源额度和所述支付权益信息，确定所述支付渠道所对应的子支付数额；若支付优先级排在第N的支付渠道存在所述支付权益信息，则基于所述资源差值和所述支付权益信息，确定所述支付渠道所对应的子支付数额。
  9. 如权利要求3所述的方法，所述将所述组合渠道及所述组合渠道中各个支付渠道所对应的子支付数额确定为所述组合支付策略之前，所述方法还包括：
    对所述组合渠道进行可用性校验；
    若所述可用性校验通过，则将所述组合渠道及所述组合渠道中各个支付渠道所对应的子支付额度确定为所述组合支付策略。
  10. 如权利要求9所述的方法，所述对所述组合渠道进行可用性校验，包括：
    校验所述组合渠道中的各个所述支付渠道所对应的可用资源额度是否大于或等于所述支付渠道所对应的子支付数额，以及，校验所述组合渠道中各个所述支付渠道所对应的可用资源总额度是否大于或等于所述待支付数额。
  11. 如权利要求1所述的方法，所述按照所述多个组合支付策略中被选定的目标组合支付策略，进行所述目标订单的支付处理之前，所述方法还包括：
    将所述多个组合支付策略展示给用户，以使所述用户从所述多个组合支付策略中选择对所述目标订单进行支付的目标组合支付策略。
  12. 如权利要求1所述的方法，所述按照所述多个组合支付策略中被选定的目标组合支付策略，进行所述目标订单的支付处理之前，所述方法还包括：
    从所述多个组合支付策略中确定所述目标订单所对应的推荐组合支付策略；
    将所述推荐组合支付策略和所述多个组合支付策略中的其他组合支付策略按照预设展示规则展示给用户。
  13. 如权利要求12所述的方法，所述从所述多个组合支付策略中确定所述目标订单所对应的推荐组合支付策略，包括：
    按照预设打分规则对所述多个组合支付策略进行推荐度打分；
    将所述多个组合支付策略中推荐度得分最高的组合支付策略确定为所述推荐组合支付策略。
  14. 如权利要求1所述的方法，所述按照所述多个组合支付策略中被选定的目标组合支付策略，进行所述目标订单的支付处理，包括：
    生成所述目标组合支付策略所对应的资源扣除指令；其中，所述资源扣除指令包括所述目标组合支付策略中的各个支付渠道所对应的子资源扣除指令；
    将各个所述子资源扣除指令发送至相应的支付渠道，以使所述支付渠道基于所述子资源扣除指令执行资源扣除操作。
  15. 如权利要求1所述的方法，所述按照所述多个组合支付策略中被选定的目标组合支付策略，进行所述目标订单的支付处理之后，所述方法还包括：
    将所述目标订单所对应的支付结果信息展示给用户；其中，所述支付结果信息包含各个支付渠道所对应的子支付额度。
  16. 一种支付装置，包括：
    确定模块，确定目标订单匹配的至少一个支付渠道，以及各支付渠道对应的可用资源额度；
    组合模块，根据所述目标订单的待支付数额和各个所述可用资源额度，按照预设的渠道组合规则对所述至少一个支付渠道进行支付渠道组合，获得多个组合支付策略；
    支付模块，按照所述多个组合支付策略中被选定的目标组合支付策略，进行所述目标订单的支付处理。
  17. 一种支付设备，包括处理器以及被安排成存储计算机可执行指令的存储器，所述可执行指令在被执行时使所述处理器：
    确定目标订单匹配的至少一个支付渠道，以及各支付渠道对应的可用资源额度；
    根据所述目标订单的待支付数额和各个所述可用资源额度，按照预设的渠道组合规则对所述至少一个支付渠道进行支付渠道组合，获得多个组合支付策略；
    按照所述多个组合支付策略中被选定的目标组合支付策略，进行所述目标订单的支付处理。
  18. 一种存储介质，用于存储计算机可执行指令，所述可执行指令在被执行时实现以下流程：
    确定目标订单匹配的至少一个支付渠道，以及各支付渠道对应的可用资源额度；
    根据所述目标订单的待支付数额和各个所述可用资源额度，按照预设的渠道组合规则对所述至少一个支付渠道进行支付渠道组合，获得多个组合支付策略；
    按照所述多个组合支付策略中被选定的目标组合支付策略，进行所述目标订单的支付处理。
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