CN107480963A - Payment processing method, device and electronic equipment - Google Patents
Payment processing method, device and electronic equipment Download PDFInfo
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- CN107480963A CN107480963A CN201710584718.3A CN201710584718A CN107480963A CN 107480963 A CN107480963 A CN 107480963A CN 201710584718 A CN201710584718 A CN 201710584718A CN 107480963 A CN107480963 A CN 107480963A
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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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
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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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
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
This specification provides a kind of payment processing method, device and electronic equipment, the payment processes scheme of this specification embodiment, can be received by client channel of disbursement displaying instruction before, the channel of disbursement data of user are obtained in advance and are stored to local, when needing to carry out channel of disbursement displaying, the displaying of channel of disbursement can be directly carried out using the channel of disbursement data being locally stored, on the other hand, the acquisition of channel of disbursement data is carried out due to that can avoid the peak hour, therefore processing pressure of the service end in the case of high concurrent can be reduced.
Description
Technical field
The application is related to Internet technical field, more particularly to payment processing method, device and electronic equipment.
Background technology
With the development of network technology, online payment is increasingly becoming the main flow means of payment of people.Product is paid at one
In, user may be associated with a variety of channel of disbursement, such as credit card, bank card, financing account or credit accounts etc..Propped up
When paying processing, it is desirable to provide a kind of scheme of quickly displaying channel of disbursement.
The content of the invention
To overcome problem present in correlation technique, present description provides payment processing method, device and electronic equipment.
A kind of payment processing method, methods described include：
Before receiving channel of disbursement displaying instruction, channel of disbursement number corresponding with currently logged on user is obtained from network side
According to and store；The channel of disbursement data comprise at least a kind of setting channel of disbursement；
After receiving channel of disbursement displaying instruction, the channel of disbursement data prestored are read, utilize the branch
Channel data are paid to determine that at least one of this payment channel of disbursement can be used；
It can be shown described with channel of disbursement.
Optionally, methods described also includes：
Obtain the payment related information that this pays；
It is described to determine that at least one of this payment channel of disbursement is used using the channel of disbursement data, including：
According to the payment related information and the channel of disbursement data, the setting branch included from the channel of disbursement data
Channel of disbursement can be used described in being chosen in channel by paying.
Optionally, the payment related information includes beneficiary information；
It is described according to the payment related information and the channel of disbursement data, set from what the channel of disbursement data included
Determine that channel of disbursement can be used described in selection in channel of disbursement, including：
According to the beneficiary information, chosen in the setting channel of disbursement included from the channel of disbursement data at least one
The channel of disbursement that beneficiary can be supported can use channel of disbursement described in being used as.
Optionally, in the case where there is multiple available channel of disbursement, by it is described can be shown with channel of disbursement when, choosing
Determine one of them available channel of disbursement channel of disbursement by default.
Optionally, it is described to select one of them available channel of disbursement channel of disbursement by default, including：
The channel of disbursement successfully paid during selected last payment is as the acquiescence channel of disbursement.
Optionally, it is described to obtain channel of disbursement data corresponding with currently logged on user from network side and store, including：
Payment module is called, obtains and works as from payment services end corresponding with the payment module by the payment module
Channel of disbursement data corresponding to preceding login user simultaneously store.
A kind of payment processing method, methods described are applied to client, include one by payment services in the client
The payment module just provided, the payment module are corresponding with payment services end, and methods described includes：
Client calls the payment module before channel of disbursement displaying instruction is received, and the payment module is from institute
Payment services end is stated to obtain channel of disbursement data corresponding with the client currently logged on user and store；The channel of disbursement
Data comprise at least a kind of setting channel of disbursement；
After the client receives channel of disbursement displaying instruction, the payment module is called, the payment module is read
The channel of disbursement data prestored are taken, being determined using the channel of disbursement data can at least one that this pays
Use channel of disbursement；
The client can be shown described with channel of disbursement.
A kind of payment processes device, described device include：
Data acquisition module, it is used for：Before receiving channel of disbursement displaying instruction, obtain from network side and used with current log in
Channel of disbursement data corresponding to family simultaneously store；The channel of disbursement data comprise at least a kind of setting channel of disbursement；
Read module, it is used for：After receiving channel of disbursement displaying instruction, the channel of disbursement number prestored is read
According at least one for determining to be directed to this payment using the channel of disbursement data can use channel of disbursement；
Display module, it is used for：It can be shown described with channel of disbursement.
Optionally, described device also includes：
Data obtaining module, it is used for：Obtain the payment related information that this pays；
The read module, is additionally operable to：
According to the payment related information and the channel of disbursement data, the setting branch included from the channel of disbursement data
Channel of disbursement can be used described in being chosen in channel by paying.
Optionally, the payment related information includes beneficiary information；
The read module, is additionally operable to：
According to the beneficiary information, chosen in the setting channel of disbursement included from the channel of disbursement data at least one
The channel of disbursement that beneficiary can be supported can use channel of disbursement described in being used as.
Optionally, the display module, is additionally operable to：
In the case where there is multiple available channel of disbursement, by it is described can be shown with channel of disbursement when, select wherein
One available channel of disbursement channel of disbursement by default.
Optionally, the display module, is additionally operable to：
The channel of disbursement successfully paid during selected last payment is as the acquiescence channel of disbursement.
Optionally, the data acquisition module, including：
Payment module is called, obtains and works as from payment services end corresponding with the payment module by the payment module
Channel of disbursement data corresponding to preceding login user simultaneously store.
A kind of electronic equipment, including：
Processor；
For storing the memory of processor-executable instruction；
Wherein, the processor is configured as：
Before receiving channel of disbursement displaying instruction, channel of disbursement number corresponding with currently logged on user is obtained from network side
According to and store；The channel of disbursement data comprise at least a kind of setting channel of disbursement；
After receiving channel of disbursement displaying instruction, the channel of disbursement data prestored are read, utilize the branch
Channel data are paid to determine that at least one of this payment channel of disbursement can be used；
It can be shown described with channel of disbursement.
A kind of electronic equipment, including：
Processor；
For storing the memory of processor-executable instruction；
Wherein, the processor is configured as：
Before channel of disbursement displaying instruction is received, the payment module is called, the payment module is from the payment
Service end obtains channel of disbursement data corresponding with the client currently logged on user and stored；The channel of disbursement data are extremely
It is few to include a kind of setting channel of disbursement；
After receiving channel of disbursement displaying instruction, the payment module is called, the payment module reads and prestored
The channel of disbursement data, using the channel of disbursement data determine for this payment at least one can use pay canal
Road；
It can be shown described with channel of disbursement.
The technical scheme that the embodiment of this specification provides can include the following benefits：
In this specification, before channel of disbursement displaying instruction can be received by client, the payment of user is obtained in advance
Channel data are simultaneously stored to local, when needing to carry out channel of disbursement displaying, can directly utilize the channel of disbursement being locally stored
Data carry out the displaying of channel of disbursement, on the other hand, the acquisition of channel of disbursement data are carried out due to that can avoid the peak hour, therefore can subtract
Few processing pressure of the service end in the case of high concurrent.
It should be appreciated that the general description and following detailed description of the above are only exemplary and explanatory, not
The application can be limited.
Brief description of the drawings
Accompanying drawing herein is merged in specification and forms the part of this specification, shows the implementation for meeting the application
Example, and be used to together with specification to explain the principle of the application.
Figure 1A is a kind of application scenario diagram of payment processing method of this specification according to an exemplary embodiment.
Figure 1B is a kind of showing for a variety of channel of disbursement of user-association of this specification according to an exemplary embodiment
It is intended to.
Fig. 2 is a kind of flow chart of payment processing method of this specification according to an exemplary embodiment.
Fig. 3 A are the flow charts of another payment processing method of this specification according to an exemplary embodiment.
Fig. 3 B are the flow charts of another payment processing method of this specification according to an exemplary embodiment.
Fig. 3 C are the flow charts of another payment processing method of this specification according to an exemplary embodiment.
Fig. 4 is a kind of hardware structure diagram of electronic equipment where this specification payment processes device.
Fig. 5 is a kind of block diagram of payment processes device of this specification according to an exemplary embodiment.
Embodiment
Here exemplary embodiment will be illustrated in detail, its example is illustrated in the accompanying drawings.Following description is related to
During accompanying drawing, unless otherwise indicated, the same numbers in different accompanying drawings represent same or analogous key element.Following exemplary embodiment
Described in embodiment do not represent all embodiments consistent with this specification.On the contrary, they are only and such as institute
The example of the consistent apparatus and method of some aspects be described in detail in attached claims, this specification.
It is only merely for the purpose of description specific embodiment in the term that this specification uses, and is not intended to be limiting this explanation
Book." one kind " of used singulative, " described " and "the" are also intended to bag in this specification and in the appended claims
Most forms are included, unless context clearly shows that other implications.It is also understood that term "and/or" used herein is
Refer to and any or all may be combined comprising the associated list items purpose of one or more.
It will be appreciated that though various information may be described using term first, second, third, etc. in this specification, but
These information should not necessarily be limited by these terms.These terms are only used for same type of information being distinguished from each other out.For example, do not taking off
In the case of this specification scope, the first information can also be referred to as the second information, and similarly, the second information can also be claimed
For the first information.Depending on linguistic context, word as used in this " if " can be construed to " ... when " or
" when ... " or " in response to determining ".
As shown in Figure 1A, it is a kind of applied field of payment processing method of this specification according to an exemplary embodiment
Jing Tu, it will be understood that Figure 1A illustrates by taking net purchase scene as an example to the payment processes scheme of this specification, in practical application,
The payment processes scheme of the present embodiment can be applied to any be related in the scene of payment processes.
The client that Figure 1A includes the server of net purchase service side configuration, net purchase service side provides, and payment services
The paying server just configured.Wherein, user can be by browser or be that the client is installed in intelligent terminal
Modes such as (APP, Application) logs in net purchase server registration account, the net purchase server registers personal information (such as
User's name, mailing address, herd number or identity information etc.), obtain the net purchase service that net purchase service side is provided.
On the other hand, it is related to payment processes in net purchase service process, payment services is provided the user by payment services side.With
Family can log in paying server login account, in the net purchase server registers personal information (such as user's name, communicatedly
Location, herd number or identity information etc.), and one or more channel of disbursement are set.The channel of disbursement of the present embodiment, refer to use
The payment method of family association, such as credit card, bank card, financing account or credit accounts etc..As shown in Figure 1B, it is this explanation
A kind of schematic diagram of a variety of channel of disbursement of user-association of the book according to an exemplary embodiment.
In order to which example is convenient in Figure 1A, net purchase service end and payment services end carry out example using a server, can
To understand, server cluster or cloud service platform of multiple servers composition etc. are can also be in practical application.In addition, net purchase
Service side and payment services side can also be same service side, and net purchase processing procedure and payment processes process can be by same services
Device performs.
During some net purchase activities, net purchase service side may face the net purchase service request of magnanimity, be faced when paying
Huge high concurrent pressure.Specifically, if user initiates a purchase order, the purchase order will be related to payment processes.
When being paid the bill for this purchase order, net purchase client needs to initiate data acquisition request to net purchase service end, is used with request
The channel of disbursement data at family.After data are obtained, client shows one or more channel of disbursement of user-association, for user
The means of payment for selecting it to need.On the one hand, service end is encountered by huge request of data pressure, on the other hand, the branch of user
Channel data are paid to be safeguarded by paying server, it is assumed that the acquisition of channel of disbursement data is carried out when needing to carry out payment processes, by
Certain time is needed in data acquisition, payment processes are less efficient.
Based on this, payment processes scheme that this specification embodiment is provided can be obtained user's in advance by client
Channel of disbursement data are simultaneously stored to local, when needing to carry out channel of disbursement displaying, can directly utilize the payment being locally stored
Channel data carry out the displaying of channel of disbursement, on the other hand, the acquisition of channel of disbursement data are carried out due to that can avoid the peak hour, therefore can
To reduce processing pressure of the service end in the case of high concurrent.Next this specification embodiment is described in detail.
As shown in Fig. 2 Fig. 2 is a kind of flow of payment processing method of this specification according to an exemplary embodiment
Figure, comprises the following steps：
In step 202, before receiving channel of disbursement displaying instruction, obtained from network side corresponding with currently logged on user
Channel of disbursement data and store；The channel of disbursement data comprise at least a kind of setting channel of disbursement.
In step 204, after receiving channel of disbursement displaying instruction, the channel of disbursement number prestored is read
According at least one for determining to be directed to this payment using the channel of disbursement data can use channel of disbursement.
In step 206, can be shown described with channel of disbursement.
In the present embodiment, client obtain channel of disbursement data opportunity, can be receive channel of disbursement displaying refer to
Before order.By taking net purchase scene as an example, after user starts client using electronic equipment, user may need to browse commodity, selection
Commercial specification, initiate purchase, set price with after the operation such as ship-to, just being operated into payment processes.Based on this, Ke Yicong
After client terminal start-up, to receive channel of disbursement displaying instruction between carry out channel of disbursement data acquisition.In some examples,
The acquisition of channel of disbursement data is carried out when can be client terminal start-up.In other examples, after being client terminal start-up
Setting time section in carry out channel of disbursement data acquisition, the setting time section can be 1 second, 3 seconds, 5 seconds or 10 seconds etc. compared with
To approach the time of client terminal start-up, to enable the client to upon actuation obtain as soon as possible, before needing to show channel of disbursement
Get channel of disbursement data.In other examples, the setting time section can also be the historical operation behavioral data based on user,
User is analyzed after client terminal start-up, to the average time for carrying out lower single operation or delivery operation, so as to predict to obtain the setting
Period etc..In practical application, the acquisition opportunity of channel of disbursement data can be configured flexibly, the present embodiment is not limited this
It is fixed.
When obtaining channel of disbursement data, in some examples, it is assumed that a service side is pertained only in application scenarios, then it is objective
Family end directly can initiate to obtain request to corresponding service end, and the request can carry user's mark of login user, with
The channel of disbursement data for determining the login user are identified by user for service end.
In other examples, embodiment as shown in Figure 1A, net purchase client can be initiated to pay to net purchase service end
Channel data, the channel of disbursement data of the acquisition user are asked by net purchase service end to payment services end, and are sent to client
End.
Embodiment as shown in Figure 1A, it is different from providing the payment services side paid to there is the service side corresponding to client
Situation, due to needing to get channel of disbursement data from payment services side, in order to ensure data transmission security, the present embodiment may be used also
In a manner of another acquisition channel of disbursement data to be provided.Specifically, payment services side can provide SDK (SDKs
Bag, Software Development Kit) to the service side corresponding to client, the SDK can be as one in client
Individual submodule, the present embodiment are referred to as payment module, when needing to obtain channel of disbursement data, are obtained by the payment module.
It is described to obtain channel of disbursement data corresponding with currently logged on user from network side and store based on this, including：
Payment module is called, obtains and works as from payment services end corresponding with the payment module by the payment module
Channel of disbursement data corresponding to preceding login user simultaneously store.
, can be by channel of disbursement data storage to setting storage region after channel of disbursement data are received.When receiving
During channel of disbursement displaying instruction, channel of disbursement data can be directly read from the storage region, and then determine channel of disbursement data
The one or more setting channel of disbursement included.In specific displaying, all settings that channel of disbursement data include are paid
Channel can be carried out showing, can also combine the concrete condition of this payment, determine that wherein at least one channel of disbursement is carried out
Displaying.In order to make a distinction, the present embodiment will be referred to as available channel of disbursement by the channel of disbursement being shown determined.
In practical application, it is possible to which user-association has a variety of setting channel of disbursement, and this payment is possible to not support certain
A little setting channel of disbursement, therefore, the present embodiment can determine that channel of disbursement can be used at least one of this payment, by described in
It can be shown with channel of disbursement.Specifically, the present embodiment can obtain the payment related information that this pays, the payment
Relevant information, the relevant information of beneficiary, Payment Amount information or the setting that relevant information can include login user pay canal
The relevant information in road etc., specific selected payment information can need according to practical application scene and flexibly determine, such as
Some channel of disbursement may just can be used in Payment Amount higher than certain numerical value, some channel of disbursement may be higher than in Payment Amount
Can not be supported in the case of certain numerical value or some channel of disbursement may beneficiary can not support etc..And then utilize the branch
Pay channel data to determine that at least one of this payment channel of disbursement can be used, can include：
According to the payment related information and the channel of disbursement data, the setting branch included from the channel of disbursement data
Channel of disbursement can be used described in being chosen in channel by paying.
Exemplified by net purchase scene, possible some beneficiaries do not support some channel of disbursement, such as credit accounts channel of disbursement
Or Credit Card Payments channel etc., based on this, the payment related information of the present embodiment can include beneficiary information.
It is described according to the payment related information and the channel of disbursement data, set from what the channel of disbursement data included
Determine that channel of disbursement can be used described in selection in channel of disbursement, including：
According to the beneficiary information, chosen in the setting channel of disbursement included from the channel of disbursement data at least one
The channel of disbursement that beneficiary can be supported can use channel of disbursement described in being used as.
After above-mentioned processing, can there may be one or more with channel of disbursement, it is contemplated that channel of disbursement can be used in displaying,
It is to choose the channel of disbursement of this payment for user, in order to improve payment processes efficiency, there is multiple available channel of disbursement
In the case of, the present embodiment can by it is described can be shown with channel of disbursement when, select one of them available channel of disbursement
Channel of disbursement by default.
Wherein, specifically selected mode can flexible configuration as needed.Such as can be that the history for analyzing user is paid
Behavior, choose the most frequently used channel of disbursement of user and channel of disbursement or randomly select one of as silent by default
Recognize channel of disbursement etc..In practical application, the last possibility that the channel of disbursement paid is reused by user that succeeds of user
It is larger, therefore can also select the channel of disbursement successfully paid during last pay as the acquiescence channel of disbursement.
The channel of disbursement data stored for client, because the relevant information of the channel of disbursement associated by user may
Have a variation, channel of disbursement data can flexible maintenance in several ways.For example, client can be according to week certain time
Phase removes the channel of disbursement data that are locally stored or is that client is removed or is to pay canal by service end when closed
When track data needs renewal, notice client is updated etc. various ways, the present embodiment are not construed as limiting to this.
Next this specification scheme is described in detail by an embodiment again.
The payment processing method of the present embodiment can be applied to client, and one is included in the client by payment services side
The payment module of offer, the payment module are corresponding with payment services end.The client of the present embodiment is to provide net purchase service
Exemplified by Taobao's client, there is provided the service side of payment function illustrates by taking Alipay as an example.Alipay provides one and pays SDK,
Submodules of the SDK as Taobao's client.
As shown in Figure 3A, it is the flow of another payment processing method of this specification according to an exemplary embodiment
Figure, methods described include：
Client calls the payment module before channel of disbursement displaying instruction is received, and the payment module is from institute
Payment services end is stated to obtain channel of disbursement data corresponding with the client currently logged on user and store；The channel of disbursement
Data comprise at least a kind of setting channel of disbursement；
After the client receives channel of disbursement displaying instruction, the payment module is called, the payment module is read
The channel of disbursement data prestored are taken, being determined using the channel of disbursement data can at least one that this pays
Use channel of disbursement；
The client can be shown described with channel of disbursement.
Specific processing procedure can have two stages, refer to Fig. 3 B, be this specification according to an exemplary embodiment
The flow chart of another payment processing method shown, Fig. 3 B show the processing procedure of first stage, it can be understood as are propping up
Pay the pretreatment stage before processing：
User opens Taobao client, user temporarily not under it is single when, arouse the quick SDK of Alipay in Taobao's client
(namely foregoing payment module) is called, and payment module obtains channel of disbursement data from corresponding paying server, pays clothes
A cashier can be configured with business device, is called by the cashier and pays decision-making, the channel of disbursement data of the user is obtained and returns
It is transmitted to payment module.Wherein, the channel of disbursement of user's last time can also be specified to be write from memory as what this paid in channel of disbursement data
Recognize channel of disbursement.
Fig. 3 C are refer to, Fig. 3 C are another payment processing method of this specification according to an exemplary embodiment
Flow chart.Fig. 3 C show the processing procedure of second stage, and this stage Taobao's client calls Alipay fast when needing to pay
Prompt SDK, the quick SDK of Alipay can directly read the channel of disbursement data stored, therefore client can directly show one
Individual or multiple available channel of disbursement.Wherein, in displaying, acquiescence channel of disbursement is selected the channel of disbursement for this payment.If
User determines to pay, then pays the cashier that request is committed to payment services end, this payment is handled by cashier, has
Body can include authorization check, withhold processing or state renewal etc., and after paying successfully, tair (knots are paid unified
Structure data-storage system) in write-in payment result state.Assuming that user selects other channel of disbursement (such as flower), Alipay is fast
The payment request for the channel of disbursement for including user's selection can be sent to the cashier of paying server by prompt SDK, by paying
The cashier of server, which calls, pays decision-making, judge this pay whether can utilize it is colored paid, and for user
The channel of disbursement of selection carries out payment processes etc..
Corresponding with the embodiment of foregoing payment processing method, this specification additionally provides payment processes device and its answered
The embodiment of electronic equipment.
The embodiment of this specification payment processes device can be applied in electronic equipment.Device embodiment can pass through software
Realize, can also be realized by way of hardware or software and hardware combining.Exemplified by implemented in software, as on a logical meaning
Device, be to be read corresponding computer program instructions in nonvolatile memory by the processor of payment processes where it
Into internal memory, operation is formed.For hardware view, as shown in figure 4, the electronics where this specification payment processes device is set
A kind of standby hardware structure diagram, except the processor 410 shown in Fig. 4, internal memory 430, network interface 420 and non-volatile deposit
Outside reservoir 440, the electronic equipment in embodiment where device 431, can be with generally according to the actual functional capability of the electronic equipment
Including other hardware, this is repeated no more.
As shown in figure 5, Fig. 5 is a kind of frame of payment processes device of this specification according to an exemplary embodiment
Figure, described device include：
Data acquisition module 51, is used for：Before receiving channel of disbursement displaying instruction, obtain from network side and logged in current
Channel of disbursement data corresponding to user simultaneously store；The channel of disbursement data comprise at least a kind of setting channel of disbursement；
Read module 52, is used for：After receiving channel of disbursement displaying instruction, the channel of disbursement prestored is read
Data, determine that at least one of this payment channel of disbursement can be used using the channel of disbursement data；
Display module 53, is used for：It can be shown described with channel of disbursement.
Optionally, described device also includes：
Data obtaining module, it is used for：Obtain the payment related information that this pays；
The read module, is additionally operable to：
According to the payment related information and the channel of disbursement data, the setting branch included from the channel of disbursement data
Channel of disbursement can be used described in being chosen in channel by paying.
Optionally, the payment related information includes beneficiary information；
The read module, is additionally operable to：
According to the beneficiary information, chosen in the setting channel of disbursement included from the channel of disbursement data at least one
The channel of disbursement that beneficiary can be supported can use channel of disbursement described in being used as.
Optionally, the display module, is additionally operable to：
In the case where there is multiple available channel of disbursement, by it is described can be shown with channel of disbursement when, select wherein
One available channel of disbursement channel of disbursement by default.
Optionally, the display module, is additionally operable to：
The channel of disbursement successfully paid during selected last payment is as the acquiescence channel of disbursement.
Optionally, the data acquisition module, including：
Payment module is called, obtains and works as from payment services end corresponding with the payment module by the payment module
Channel of disbursement data corresponding to preceding login user simultaneously store.
A kind of electronic equipment, including：
Processor；
For storing the memory of processor-executable instruction；
Wherein, the processor is configured as：
Before receiving channel of disbursement displaying instruction, channel of disbursement number corresponding with currently logged on user is obtained from network side
According to and store；The channel of disbursement data comprise at least a kind of setting channel of disbursement；
After receiving channel of disbursement displaying instruction, the channel of disbursement data prestored are read, utilize the branch
Channel data are paid to determine that at least one of this payment channel of disbursement can be used；
It can be shown described with channel of disbursement.
A kind of electronic equipment, including：
Processor；
For storing the memory of processor-executable instruction；
Wherein, the processor is configured as：
Before channel of disbursement displaying instruction is received, the payment module is called, the payment module is from the payment
Service end obtains channel of disbursement data corresponding with the client currently logged on user and stored；The channel of disbursement data are extremely
It is few to include a kind of setting channel of disbursement；
After receiving channel of disbursement displaying instruction, the payment module is called, the payment module reads and prestored
The channel of disbursement data, using the channel of disbursement data determine for this payment at least one can use pay canal
Road；
It can be shown described with channel of disbursement.
The function of modules and the implementation process of effect specifically refer to and step are corresponded in the above method in said apparatus
Implementation process, it will not be repeated here.
For device embodiment, because it corresponds essentially to embodiment of the method, so related part is real referring to method
Apply the part explanation of example.Device embodiment described above is only schematical, wherein described be used as separating component
The module of explanation can be or may not be physically separate, can be as the part that module is shown or can also
It is not physical module, you can with positioned at a place, or can also be distributed on multiple mixed-media network modules mixed-medias.Can be according to reality
Need to select some or all of module therein to realize the purpose of this specification scheme.Those of ordinary skill in the art are not
In the case of paying creative work, you can to understand and implement.
It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims
It is interior.In some cases, the action recorded in detail in the claims or step can be come according to different from the order in embodiment
Perform and still can realize desired result.In addition, the process described in the accompanying drawings not necessarily require show it is specific suitable
Sequence or consecutive order could realize desired result.In some embodiments, multitasking and parallel processing be also can
With or be probably favourable.
Those skilled in the art will readily occur to this specification after specification and the practice invention of specification here is considered
Other embodiments.This specification is intended to any modification, purposes or adaptations of this specification, these changes
Type, purposes or adaptations follow the general principle of this specification and this technology neck of book are not specified including this specification
Common knowledge or conventional techniques in domain.Description and embodiments are considered only as exemplary, the real model of this specification
Enclose and spirit is pointed out by following claim.
It should be appreciated that the precision architecture that this specification is not limited to be described above and is shown in the drawings,
And various modifications and changes can be being carried out without departing from the scope.The scope of this specification is only limited by appended claim
System.
The preferred embodiment of this specification is the foregoing is only, it is all in this explanation not to limit this specification
Within the spirit and principle of book, any modification, equivalent substitution and improvements done etc., the model of this specification protection should be included in
Within enclosing.
Claims (15)
1. a kind of payment processing method, methods described include：
Before receiving channel of disbursement displaying instruction, channel of disbursement data corresponding with currently logged on user are obtained simultaneously from network side
Storage；The channel of disbursement data comprise at least a kind of setting channel of disbursement；
After receiving channel of disbursement displaying instruction, the channel of disbursement data prestored are read, utilize the payment canal
Track data determines that at least one of this payment channel of disbursement can be used；
It can be shown described with channel of disbursement.
2. according to the method for claim 1, methods described also includes：
Obtain the payment related information that this pays；
It is described to determine that at least one of this payment channel of disbursement is used using the channel of disbursement data, including：
According to the payment related information and the channel of disbursement data, the setting included from the channel of disbursement data pays canal
Channel of disbursement can be used described in being chosen in road.
3. according to the method for claim 2, the payment related information includes beneficiary information；
It is described according to the payment related information and the channel of disbursement data, the setting branch included from the channel of disbursement data
Channel of disbursement can be used described in being chosen in channel by paying, including：
According to the beneficiary information, at least one gathering is chosen in the setting channel of disbursement included from the channel of disbursement data
The channel of disbursement that just can be supported can use channel of disbursement described in being used as.
4. according to the method for claim 1, in the case where there are multiple available channel of disbursement, canal is paid that can be used by described in
When road is shown, one of them available channel of disbursement channel of disbursement by default is selected.
5. according to the method for claim 4, described select one of them available channel of disbursement channel of disbursement by default, bag
Include：
The channel of disbursement successfully paid during selected last payment is as the acquiescence channel of disbursement.
6. according to the method for claim 1, described obtain channel of disbursement number corresponding with currently logged on user from network side
According to and store, including：
Payment module is called, is obtained by the payment module from payment services end corresponding with the payment module with currently stepping on
Employ channel of disbursement data corresponding to family and store.
7. a kind of payment processing method, methods described is applied to client, includes one by payment services side in the client
The payment module of offer, the payment module are corresponding with payment services end, and methods described includes：
Client calls the payment module before channel of disbursement displaying instruction is received, and the payment module is from the branch
Service end is paid to obtain channel of disbursement data corresponding with the client currently logged on user and store；The channel of disbursement data
Channel of disbursement is set including at least one kind；
After the client receives channel of disbursement displaying instruction, the payment module is called, the payment module reads pre-
The channel of disbursement data first stored, determine that at least one of this payment branch can be used using the channel of disbursement data
Pay channel；
The client can be shown described with channel of disbursement.
8. a kind of payment processes device, described device include：
Data acquisition module, it is used for：Before receiving channel of disbursement displaying instruction, obtained and currently logged on user couple from network side
The channel of disbursement data answered simultaneously store；The channel of disbursement data comprise at least a kind of setting channel of disbursement；
Read module, it is used for：After receiving channel of disbursement displaying instruction, the channel of disbursement data prestored are read,
Determine that at least one of this payment channel of disbursement can be used using the channel of disbursement data；
Display module, it is used for：It can be shown described with channel of disbursement.
9. device according to claim 8, described device also include：
Data obtaining module, it is used for：Obtain the payment related information that this pays；
The read module, is additionally operable to：
According to the payment related information and the channel of disbursement data, the setting included from the channel of disbursement data pays canal
Channel of disbursement can be used described in being chosen in road.
10. device according to claim 9, the payment related information includes beneficiary information；
The read module, is additionally operable to：
According to the beneficiary information, at least one gathering is chosen in the setting channel of disbursement included from the channel of disbursement data
The channel of disbursement that just can be supported can use channel of disbursement described in being used as.
11. device according to claim 8, the display module, are additionally operable to：
In the case where there is multiple available channel of disbursement, by it is described can be shown with channel of disbursement when, select one of them
Channel of disbursement channel of disbursement by default can be used.
12. device according to claim 11, the display module, are additionally operable to：
The channel of disbursement successfully paid during selected last payment is as the acquiescence channel of disbursement.
13. device according to claim 8, the data acquisition module, including：
Payment module is called, is obtained by the payment module from payment services end corresponding with the payment module with currently stepping on
Employ channel of disbursement data corresponding to family and store.
14. a kind of electronic equipment, including：
Processor；
For storing the memory of processor-executable instruction；
Wherein, the processor is configured as：
Before receiving channel of disbursement displaying instruction, channel of disbursement data corresponding with currently logged on user are obtained simultaneously from network side
Storage；The channel of disbursement data comprise at least a kind of setting channel of disbursement；
After receiving channel of disbursement displaying instruction, the channel of disbursement data prestored are read, utilize the payment canal
Track data determines that at least one of this payment channel of disbursement can be used；
It can be shown described with channel of disbursement.
15. a kind of electronic equipment, including：
Processor；
For storing the memory of processor-executable instruction；
Wherein, the processor is configured as：
Before channel of disbursement displaying instruction is received, the payment module is called, the payment module is from the payment services
End obtains channel of disbursement data corresponding with the client currently logged on user and stored；The channel of disbursement data are at least wrapped
Include a kind of setting channel of disbursement；
After receiving channel of disbursement displaying instruction, the payment module is called, the payment module reads the institute prestored
Channel of disbursement data are stated, determine that at least one of this payment channel of disbursement can be used using the channel of disbursement data；
It can be shown described with channel of disbursement.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710584718.3A CN107480963A (en) | 2017-07-18 | 2017-07-18 | Payment processing method, device and electronic equipment |
| TW107116743A TW201909067A (en) | 2017-07-18 | 2018-05-17 | Payment processing method and apparatus, and electronic device |
| PCT/CN2018/095826 WO2019015550A1 (en) | 2017-07-18 | 2018-07-16 | Payment processing method and apparatus, and electronic device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710584718.3A CN107480963A (en) | 2017-07-18 | 2017-07-18 | Payment processing method, device and electronic equipment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107480963A true CN107480963A (en) | 2017-12-15 |
Family
ID=60596234
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710584718.3A Pending CN107480963A (en) | 2017-07-18 | 2017-07-18 | Payment processing method, device and electronic equipment |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN107480963A (en) |
| TW (1) | TW201909067A (en) |
| WO (1) | WO2019015550A1 (en) |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109102397A (en) * | 2018-10-22 | 2018-12-28 | 上海朔羡网络科技有限公司 | Consumptive credit method, system, computer equipment and readable storage medium storing program for executing |
| WO2019015550A1 (en) * | 2017-07-18 | 2019-01-24 | 阿里巴巴集团控股有限公司 | Payment processing method and apparatus, and electronic device |
| CN109325744A (en) * | 2018-10-23 | 2019-02-12 | 北京三快在线科技有限公司 | Payment processing method, device, medium and electronic equipment |
| CN109447677A (en) * | 2018-09-12 | 2019-03-08 | 阿里巴巴集团控股有限公司 | A kind of method of payment, equipment and system |
| CN111461698A (en) * | 2020-06-18 | 2020-07-28 | 北京云迹科技有限公司 | Payment method, payment device, storage medium and equipment |
| CN111612450A (en) * | 2020-05-28 | 2020-09-01 | 北京小米移动软件有限公司 | Detection method and device for application program payment channel, terminal equipment and medium |
| CN113554429A (en) * | 2021-07-29 | 2021-10-26 | 北京达佳互联信息技术有限公司 | Payment processing method, payment processing device, server and storage medium |
| CN113610516A (en) * | 2021-07-30 | 2021-11-05 | 北京达佳互联信息技术有限公司 | Payment channel display method and device, electronic equipment and storage medium |
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| CN111861452A (en) * | 2019-04-30 | 2020-10-30 | ***股份有限公司 | Aggregated payment method and system |
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| CN109447677A (en) * | 2018-09-12 | 2019-03-08 | 阿里巴巴集团控股有限公司 | A kind of method of payment, equipment and system |
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| CN111612450A (en) * | 2020-05-28 | 2020-09-01 | 北京小米移动软件有限公司 | Detection method and device for application program payment channel, terminal equipment and medium |
| CN111612450B (en) * | 2020-05-28 | 2023-09-12 | 北京小米移动软件有限公司 | Application program payment channel detection method and device, terminal equipment and medium |
| CN111461698A (en) * | 2020-06-18 | 2020-07-28 | 北京云迹科技有限公司 | Payment method, payment device, storage medium and equipment |
| CN113554429A (en) * | 2021-07-29 | 2021-10-26 | 北京达佳互联信息技术有限公司 | Payment processing method, payment processing device, server and storage medium |
| CN113610516A (en) * | 2021-07-30 | 2021-11-05 | 北京达佳互联信息技术有限公司 | Payment channel display method and device, electronic equipment and storage medium |
Also Published As
| Publication number | Publication date |
|---|---|
| TW201909067A (en) | 2019-03-01 |
| WO2019015550A1 (en) | 2019-01-24 |
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