CN110992046A

CN110992046A - Management method and device for aggregated payment and computer storage medium

Info

Publication number: CN110992046A
Application number: CN201911196839.6A
Authority: CN
Inventors: 姜梦林
Original assignee: Shanghai Sunmi Technology Group Co Ltd
Current assignee: Shanghai Sunmi Technology Group Co Ltd; Shanghai Sunmi Technology Co Ltd
Priority date: 2019-11-29
Filing date: 2019-11-29
Publication date: 2020-04-10

Abstract

The application discloses a management method and a device for aggregated payment and a computer storage medium.A server receives incoming registration information sent by a terminal through an aggregated payment program and receives first review conclusion information of the incoming registration information; when the first audit conclusion information is audit success information, the server classifies the incoming registration data information according to a preset rule, and respectively uploads the incoming registration data information to a payment channel system corresponding to a classification result according to the classification result so as to perform second audit on the incoming registration data information; and the server synchronizes the processing state information after receiving the incoming registration information to the terminal so that the terminal can display the processing state information through the aggregation payment program. By setting the aggregated payment in the small program project bar, the incoming state can be seen on the incoming platform, and the efficiency of service providers for developing customers is improved.

Description

Management method and device for aggregated payment and computer storage medium

Technical Field

The embodiment of the application relates to the field of internet payment, in particular to a management method and device for aggregated payment and a computer storage medium.

Background

Various intelligent terminals such as smart phones, tablet computers, handheld devices and the like have independent operating systems and independent operating spaces like personal computers, and can be used by users to install programs, namely Application (App) software, provided by third-party service providers such as software, games, navigation and the like, and wireless network access can be realized through a mobile communication network.

With the popularization of intelligent terminals, people increasingly rely on App software, such as iphone and android, in communication, social contact, entertainment and other activities.

With the development of electronic payment, more and more users and merchants adopt electronic payment systems, especially electronic payment on smartphones or tablets, but the current payment channel systems are electronic banking systems generally provided by banks, such as china banks, china industrial and commercial banks, and business recruitment banks, and users and customers may need to install and support payment of multiple banks, and there are many bank systems on the market at present, so that for users and customers, too many payment channel systems are complex, and passwords of all payment channel systems are difficult to remember, and therefore, at present, an aggregated payment system is often used.

The aggregated payment system is a network payment settlement system between banks and users, and the internet third-party payment company (such as a payment treasure, WeChat and the like) approved by people's banks and issuing payment license plates carries services. The third party payment company distributes the retail business to the fourth party payment company operations, also known as aggregate payments. For example, payment interfaces such as a payment treasure scanning code, a WeChat scanning code, a QQ wallet, a UnionPay shortcut, a gateway payment and a Jingdong payment are accessed into the aggregation payment system, and then the aggregation payment system unifies the interfaces again to be used by a client. No matter how the upstream three parties change the channel, the customer does not need to follow the change, and the aggregated payment interface is accessed once and is available for all.

Aggregate payment, also called fused payment, refers to payment services except payment, settlement and clearing services, integrates the payment services of more than one bank, non-silver organization or clearing organization by depending on the bank, non-silver organization or clearing organization, by means of the payment channel and clearing capacity of the bank, non-silver organization or clearing organization and by utilizing the self technology and service integration capacity, provides service contents including but not limited to payment channel service, set account checking service, technology docking service, error processing service, financial service guidance, member account service, operation flow software service, operation maintenance service, terminal provision and maintenance and the like for customers, therefore, the cost expenditure of the customer in accessing and maintaining the payment settlement service is reduced, the operation efficiency of the customer payment settlement system is improved, and the payment service of value-added income is collected.

When developing customers after applying for becoming payment channel payment service providers, traditional service providers usually adopt an offline form to collect customer data and manually submit the customer data to a payment channel for auditing, and particularly, when multiple channels are connected, new technology development and connection work are needed. And the service provider does not have better technology or tool to improve the operation efficiency and develop the service rapidly when developing the client.

The existing payment channel incoming management is usually used as a small functional module of an aggregation payment system or completely depends on manual work to process tasks, the function is single and cannot be expanded, and the incoming module needs to be redesigned or the operation flow needs to be modified after a new payment channel is docked to serve as an important functional module in the aggregation payment process, so that the business flow is seriously influenced, and the efficiency cannot meet the requirement of rapid development of the existing payment industry.

Disclosure of Invention

In view of the above, embodiments of the present application provide a management method, apparatus, and computer storage medium for aggregated payments, which overcome or at least partially solve the above problems.

A first aspect of the present application provides a management method of aggregated payment, including:

the server receives incoming registration data information sent by the terminal through an aggregation payment program and first review conclusion information of the incoming registration data information;

when the first review conclusion information is review success information, the server classifies the incoming registration data information according to a preset rule, and uploads the incoming registration data information to a payment channel system corresponding to the classification result according to the classification result to perform second review on the incoming registration data information;

and the server synchronizes the processing state information after receiving the incoming registration information to the terminal so that the terminal can display the processing state information through the aggregation payment program.

Optionally, the step of the server classifying the incoming registration information according to the preset rule, and the step of uploading the incoming registration information to the payment channel system corresponding to the classification result according to the classification result specifically includes:

the server classifies the client types of the incoming registration data information according to the client type information;

and the server uploads the incoming registration data information to a payment channel system corresponding to the client type corresponding to the incoming registration data information.

Optionally, the article entering registration information includes payment channel system information, the server classifies the article entering registration information according to the preset rule, and respectively uploads the article entering registration information to the payment channel systems corresponding to the classification results according to the classification results specifically includes:

the server classifies the type of the incoming registration data information according to the payment channel system information;

and the server uploads the incoming registration data information to a payment channel system corresponding to the incoming registration data information.

Optionally, when the first review conclusion information is review failure information or second review failure information is received, the server notifies the terminal to modify the incoming registration data information, and resends the modified incoming registration data information.

Optionally, the aggregated payment program is located in an applet project bar of the WeChat or Payment treasure.

A second aspect of the present application provides a server comprising:

the receiving module is used for receiving incoming registration information sent by a terminal through an aggregation payment program and receiving first audit conclusion information of the incoming registration information;

the processing module is used for classifying the incoming registration data information according to a preset rule when the conclusion information of the first audit is audit success information, and respectively uploading the incoming registration data information to a payment channel system corresponding to the classification result according to the classification result so as to perform second audit on the incoming registration data information;

and the sending module is used for synchronizing the processing state information after receiving the incoming registration information to the terminal and displaying the processing state information by the terminal through the aggregation payment program.

Optionally, the incoming registration information includes customer type information, in order to classify the incoming registration information according to the preset rule and upload the incoming registration information to a payment channel system corresponding to the classification result according to the classification result, the processing module is configured to classify the incoming registration information according to the customer type information;

the sending module is further configured to upload the incoming registration data information to a payment channel system corresponding to the client type corresponding to the incoming registration data information.

Optionally, the incoming registration information includes payment channel system information, in order to classify the incoming registration information according to the preset rule and upload the incoming registration information to the payment channel systems corresponding to the classification results according to the classification results, the processing module is configured to classify the types of the payment channel systems of the incoming registration information according to the payment channel system information;

the sending module is further used for uploading the incoming registration information to a payment channel system corresponding to the incoming registration information.

Optionally, the sending module is further configured to notify the terminal to modify the incoming registration data information and resend the modified incoming registration data information when the first review conclusion information is review failure information or second review failure information is received.

A third aspect of the present application provides a computer device comprising: the system comprises a processor, a memory, a communication interface and a communication bus, wherein the processor, the memory and the communication interface complete mutual communication through the communication bus;

the memory is configured to store at least one executable instruction that causes the processor to perform the steps of the method for managing aggregated payments.

A fourth aspect of the present application provides a computer storage medium having stored therein at least one executable instruction for causing a processor to perform the steps of the method for managing aggregated payments described above.

The management method, system and computer storage medium for aggregated payment described in the above embodiments can see the incoming state on the incoming platform by setting the aggregated payment in the applet project bar, thereby improving the efficiency of service providers in developing customers.

The foregoing description is only an overview of the technical solutions of the embodiments of the present application, and the embodiments of the present application can be implemented according to the content of the description in order to make the technical means of the embodiments of the present application more clearly understood, and the detailed description of the present application is provided below in order to make the foregoing and other objects, features, and advantages of the embodiments of the present application more clearly understandable.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present application, and other drawings can be obtained by those skilled in the art without creative efforts.

Fig. 1 is a schematic structural diagram of a system architecture 100 according to an embodiment of the present application;

fig. 2 is a schematic flowchart of a management method for aggregated payment according to an embodiment of the present application;

fig. 3 is a schematic structural diagram of a management system for aggregate payment according to another embodiment of the present application;

fig. 4 is a block diagram of a computer device according to another embodiment of the present application.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this application belongs; the terminology used in the description of the application herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application; the terms "including" and "having," and any variations thereof, in the description and claims of this application and the description of the above figures are intended to cover non-exclusive inclusions. The terms "first," "second," and the like in the description and claims of this application or in the above-described drawings are used for distinguishing between different objects and not for describing a particular order.

Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the application. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.

The term "and/or" herein is merely an association describing an associated object, meaning that three relationships may exist, e.g., a and/or B, may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the character "/" herein generally indicates that the former and latter related objects are in an "or" relationship. Additionally, the terms "system" and "network" are often used interchangeably herein.

In order to make the technical solutions better understood by those skilled in the art, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings.

As shown in fig. 1, the system architecture 100 may include

terminal devices

101, 102, 103, a network 104, and a server 105. The network 104 serves as a medium for providing communication links between the

terminal devices

101, 102, 103 and the server 105. The network 104 may include various connection types, such as an internet or a mobile communications network of wired, wireless communication links, or fiber optic cables, among others.

The user may use the

terminal devices

101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages or the like. The

terminal devices

101, 102, 103 may have installed thereon various communication client Applications (APP), such as a web browser application, a shopping application, a search application, an instant messaging application, a mailbox client, social platform software, etc., where the instant messaging application may include various applets, such as an aggregated payment program.

The

terminal devices

101, 102, 103 may be various electronic devices having display screens and supporting web browsing, including but not limited to user devices, network devices, or devices formed by integrating user devices and network devices through a network. The user equipment includes, but is not limited to, any mobile electronic product, such as a smart POS terminal, a smart phone, a tablet computer, etc., which can perform human-computer interaction with a user through a touch panel, and the mobile electronic product adopts an Android (Android), microsoft (windows) or IOS operating system. The network device includes an electronic device capable of automatically performing numerical calculation and information processing according to a preset or stored instruction, and the hardware includes, but is not limited to, a microprocessor, an Application Specific Integrated Circuit (ASIC), a Programmable Gate Array (FPGA), a Digital Signal Processor (DSP), an embedded device, and the like. The network device comprises but is not limited to a computer, a network host, a single network server, a plurality of network server sets or a cloud formed by a plurality of servers; here, the Cloud is composed of a large number of computers or web servers based on Cloud Computing (Cloud Computing), which is a kind of distributed Computing, one virtual supercomputer consisting of a collection of loosely coupled computers.

The Network includes, but is not limited to, the internet, a wide area Network, a metropolitan area Network, a local area Network, a Virtual Private Network (VPN), a wireless Ad Hoc Network (Ad Hoc Network), and the like. Of course, those skilled in the art should understand that the above terminal device is only an example, and other existing or future terminal devices may be applicable to the present application, and are included in the scope of the present application and are incorporated herein by reference.

The server 105 may be a server, a server cluster composed of several servers, or a cloud computing service center. It may also be a server that provides various services, such as a video server that provides video services for the

terminal devices

101, 102, 103.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Fig. 2 is a schematic flowchart of a management method for aggregated payment according to an embodiment of the present application, where the management method for aggregated payment may be executed by a server, and is mainly described as follows.

And step 21, the server receives the incoming registration data information sent by the terminal through the aggregation payment program.

For example, the terminal may be a smart terminal, a tablet computer or a laptop computer, and the terminal is installed with a payment Application (APP) of a third party payment company, such as a payment treasure and a WeChat.

Small programs, such as an aggregation payment program, can be installed in the payment APP, and a user can input incoming registration information through the aggregation payment program, for example, the incoming registration information includes customer identity information, customer type information and/or payment channel system information.

For example, the customer profile information includes a customer name, identification information, address information, work information, and/or family information.

For example, the customer name may be a name of a customer, such as x.

For example, the customer type information includes customer category information indicating that the customer is an individual, a business institution, a government agency, or an educational institution, for example.

For example, the identification information may be an identification number or an enterprise tax payment identifier.

For example, the address information may be work or residential address information of the customer.

For example, the work information may be a company name to which the customer belongs or a company name of work.

For example, the family information may be spouse information.

And step 22, the server receives the first review conclusion information of the incoming registration data information.

For example, after receiving the incoming registration data information, the server submits the incoming registration data information to a related auditing platform, such as a work computer of an auditor, and the work computer receives first auditing conclusion information, such as first auditing success information or first auditing failure information, input by the auditor.

For example, the content of the first audit may be to audit whether the content included in the incoming registration information is correct, for example, to audit whether the name, address, telephone and/or identification card information is correct.

If all the contents included in the incoming registration data information are correct, the first review conclusion information is the first review success information; and if the content included in the incoming registration data information has at least one item of error, the first examination conclusion information is the first examination failure information.

And step 23, the server determines whether the first review conclusion information is review success information.

For example, the first review conclusion information includes an indicator, and when the indicator is 1, the first review conclusion information is the first review success information, and when the indicator is 0, the first review conclusion information is the first review failure information.

And when the first review conclusion information is the first review success information, executing step 24, and when the first review conclusion information is the first review failure information, executing step 28.

And 24, uploading the incoming registration data information to a payment channel system by the server to perform second verification on the incoming registration data information.

For example, the payment channel system may be a processor of a bank system, and in this embodiment, the server may be connected to processors of multiple bank systems, so that after receiving the first approval success information, the server needs to analyze the incoming registration information, select a corresponding processor of the bank system according to content included in the incoming registration information, and then send the incoming registration information to the selected processor of the bank system.

Therefore, the server classifies the incoming registration data information according to a preset rule, and uploads the incoming registration data information to a payment channel system corresponding to the classification result according to the classification result so as to perform second audit on the incoming registration data information.

For example, the server classifies the client type of the incoming registration data information according to the client type information, for example, the client type information indicates that the client is an individual, and then uploads the incoming registration data information to a payment channel system corresponding to the client type corresponding to the incoming registration data information in a message queue manner, for example, a payment bank action a bank corresponding to the individual, and uploads the incoming registration data information to a payment channel system of an a bank, that is, a processor of the a bank, for example, the server uploads the incoming registration data information to the payment channel system of the a bank in a message queue manner.

In another embodiment of the present application, the server performs payment channel system type classification on the incoming registration information according to the payment channel system information, and then uploads the incoming registration information to a payment channel system corresponding to the incoming registration information, for example, the server uploads the incoming registration information to the payment channel system corresponding to the incoming registration information in a message queue manner.

In another embodiment of the present application, the second audit is performed by the banking system processor, for example, the audit content of the second audit may include content required by the banking system in addition to the content included in the incoming registration profile information, for example, the audit content of the second audit may include credit record information, loan record information and/or property information.

In another embodiment of the present application, the audit content of the second audit may also include both the content included in the incoming registration information and the content required by the banking system.

And step 25, the server receives second review conclusion information returned by the payment channel system.

For example, the second review conclusion information may be second review success information or second review failure information.

For example, when the audit content of the second audit completely meets the requirements of the bank system, the bank staff inputs second audit success information through the work computer of the bank staff, and the work computer transmits the second audit success information to the processor of the bank system, and the second audit success information is sent to the server by the processor of the bank system.

For example, when the audit content of the second audit has at least one requirement which does not meet the requirements of the bank system, the bank staff inputs second audit failure information through the work computer of the bank staff, and the work computer transmits the second audit failure information to the processor of the bank system, and the second audit failure information is sent to the server by the processor of the bank system.

In step 26, the server determines whether the second review conclusion information is review success information.

For example, the second review conclusion information includes an indicator, and when the indicator is 1, the second review conclusion information is the second review success information, and when the indicator is 0, the second review conclusion information is the second review failure information.

When the server receives the second audit success information returned by the payment channel system, step 27 is executed, and when the server receives the second audit failure information returned by the payment channel system, step 29 is executed

And 27, the server sends the information of complete success of the audit to the terminal.

For example, the audit complete success information is used to indicate that all audits of the terminal are completed and successful, for example, both the first audit and the second audit are successful.

In another embodiment of the present application, the audit complete success information is used to indicate that the terminal banking system has successfully audited, that is, that all audits are complete and successful.

Step 28, the server notifies the terminal of the first audit failure information and/or instructions to modify and resubmit.

In another embodiment of the present application, the first failure to review information may further include an indication of which items need to be modified.

And step 29, the server informs the terminal of the second audit failure information and/or instructions to modify and resubmit.

For example, the second audit failure information may indicate that the end banking system failed the audit.

In another embodiment of the present application, the second failure to review information may further include an indication indicating which items need to be modified.

For example, the server notifies the terminal to modify the incoming registration data information and resend the modified incoming registration data information

In another embodiment of the present application, the server synchronizes the processing status information after receiving the incoming registration information to the terminal so that the terminal displays the processing status information through the aggregate payment program, that is, from step 21, the server synchronizes various types of status information of interaction, verification and processing to the terminal, and the terminal displays the process status information through the aggregate payment program.

The client can inquire the incoming verification state in real time through the aggregation payment program in the small program project column of the terminal, and the server can also independently provide the information inquiry function of the incoming material library, so as to inquire the material of the client who succeeds in verification and meet the independence and expandability of the incoming system in the aggregation payment service.

In summary, in the management method for aggregated payment described above, aggregated payment is set in the applet project bar, an incoming document is sent through the aggregated payment incoming platform, the operator background submits the incoming document to the butted payment channel for auditing after receiving the incoming document of the client, and the incoming document state can be seen on the incoming platform, so that the efficiency of the service provider in developing the client is improved.

And secondly, the complexity of the payment service provider in the butt joint of the payment channel and the delivery channel is reduced, and the visual examination of the delivery data of the client is realized.

In addition, the synchronization of the in-progress audit state and the notification to the client are completed in real time under the unattended condition.

Fig. 3 is a schematic structural diagram of a management system for aggregated payment according to another embodiment of the present application, where the management application system includes an aggregated payment server, a processor of a bank, and a terminal connected through a network, where the network may be the internet, a local area network, or a mobile communication system.

The aggregated payment server comprises: the device comprises a receiving module 31, a processing module 32 and a sending module 33, wherein the receiving module 31, the processing module 32 and the sending module 33 are connected with each other through a bus, and any module can be realized through a circuit, a chip or a processor.

In the embodiment of the present application, the processor may be a Central Processing Unit (CPU), a controller, a microcontroller, a microprocessor, or other data Processing chip. The processor may also be other general purpose processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. The general purpose processor may be a microprocessor or the processor may be any conventional processor such as a single chip or the like.

The bus described herein may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, an Extended ISA (EISA) bus, or the like. The bus system may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one thick line is shown, but this does not mean that there is only one bus or one type of bus.

The receiving module 31 is configured to receive the incoming registration information sent by the terminal through the aggregation payment program.

For the description of how the receiving module 31 receives the incoming registration information and the incoming registration information, reference may be specifically made to the description of step 21, which is not described herein again.

The receiving module 31 is further configured to receive first review conclusion information of the incoming registration data information.

Specifically, how the receiving module 31 receives the first review conclusion information may refer to the description of step 22 in the foregoing embodiment, and is not described herein again.

The processing module 32 is configured to determine whether the first review conclusion information is review success information.

How the processing module 32 determines whether the first review conclusion information is review success information may specifically refer to the description of step 23 in the foregoing embodiment, and is not described herein again.

The processing module 32 is configured to classify the incoming registration data information according to a preset rule when the first review conclusion information is the first review success information; the sending module 33 is further configured to upload the incoming registration information to the payment channel system corresponding to the classification result according to the classification result, so as to perform a second audit on the incoming registration information.

For details of how to classify, pay the channel system and the second audit, reference may be made to the description of step 24 in the foregoing embodiment, and details are not described here again.

The sending module 33 is further configured to notify the terminal of the first audit failure information and/or instruct to modify and resubmit the first audit failure information when the first audit conclusion information is the first audit failure information. For details, reference may be made to the description of step 28 in the foregoing embodiment, and details are not described herein.

The receiving module 31 is further configured to receive second review conclusion information returned by the payment channel system.

For the content of the second review result, reference may be specifically made to the description of step 25 in the foregoing embodiment, and details are not described here again.

The processing module 32 is further configured to determine whether the second review conclusion information is review success information.

How the processing module 32 determines whether the second review conclusion information is review success information may specifically refer to the description of step 26 in the foregoing embodiment, and details are not described herein again.

The sending module 33 is further configured to send, when the second audit success information is returned by the payment channel system, audit complete success information to the terminal.

The sending module 33 is further configured to notify the terminal of the second audit failure information and/or an instruction to modify and resubmit the second audit failure information when the second audit failure information is returned by the payment channel system. For specific implementation, reference may be made to the description of step 29 in the foregoing embodiment, which is not described herein again.

In this embodiment, specific functions of the receiving module 31, the processing module 32, and the sending module 33 may refer to steps 21 to 29 of the foregoing method embodiments, and are not described herein again.

In summary, in the management system for aggregated payment described above, aggregated payment is set in the applet project bar, and the client is submitted to the butted payment channel for auditing through the item feeding platform for aggregated payment after receiving the item feeding material from the operator background, so that the item feeding state can be seen on the item feeding platform, and the efficiency of the service provider in developing the client is improved.

To solve the foregoing technical problem, an embodiment of the present application further provides a computer device, and specifically refer to fig. 4, where fig. 4 is a block diagram of a basic structure of a computer device according to another embodiment of the present application.

The computer device 4 comprises a memory 41, a processor 42, a network interface 43 communicatively connected to each other via a system bus. It is noted that only computer device 4 having components 41-43 is shown, but it is understood that not all of the shown components are required to be implemented, and that more or fewer components may be implemented instead. As will be understood by those skilled in the art, the computer device 4 is a device capable of automatically performing numerical calculation and/or information processing according to instructions set or stored in advance, and the hardware includes, but is not limited to, a microprocessor, an Application Specific Integrated Circuit (ASIC), a Programmable gate array (FPGA), a Digital Signal Processor (DSP), an embedded device, and the like.

The computer device 4 may be a desktop computer, a notebook, a palm computer, a cloud server, or other computing devices. The computer device 4 can perform man-machine interaction with a user through a keyboard, a mouse, a remote controller, a touch pad, a voice control device or the like.

The memory 41 includes at least one type of readable storage medium including a non-volatile memory (non-volatile memory) or a volatile memory, for example, a flash memory (flash memory), a hard disk, a multimedia card, a card-type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read-only memory (PROM-on memory, PROM), a magnetic memory, a magnetic disk, an optical disk, etc., and the RAM may include a static RAM or a dynamic RAM. In some embodiments, the memory 41 may be an internal storage unit of the computer device 4, for example, a hard disk or a memory of the computer device 4. In other embodiments, the memory 41 may also be an external storage device of the computer device 4, such as a plug-in hard disk, a Smart Memory Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like, which are provided on the computer device 4. Of course, the memory 41 may also include both internal and external storage devices of the computer device 4. In this embodiment, the memory 41 is generally used for storing an operating system installed in the computer device 4 and various types of application software, such as program codes for executing a management method of aggregated payments. Further, the memory 41 may also be used to temporarily store various types of data that have been output or are to be output.

In the embodiment of the present application, the processor 42 may be a Central Processing Unit (CPU), a controller, a microcontroller, a microprocessor, or other data processing chip. The processor 42 may also be other general purpose processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components, etc. The general purpose processor may be a microprocessor or the processor may be any conventional processor such as a single chip or the like.

The processor 42 is typically used to control the overall operation of the computer device 4. In this embodiment, the memory 41 is configured to store program codes or instructions, the program codes including computer operation instructions, and the processor 42 is configured to execute the program codes or instructions stored in the memory 41 or process data, for example, execute program codes for performing a management method of aggregated payments.

Another embodiment of the present application also provides a computer readable medium, which may be a computer readable signal medium or a computer readable medium. A processor in the computer reads computer readable program code stored in a computer readable medium, so that the processor can execute the functional actions specified in each step, or the combination of the steps, in the management method for executing aggregated payments corresponding to the flowchart of fig. 2; and means for generating a block diagram that implements the functional operation specified in each block or a combination of blocks.

A computer readable medium includes, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing, the memory storing program code or instructions, the program code including computer-executable instructions, and the processor executing the program code or instructions stored by the memory.

The definitions of the memory and the processor may refer to the description of the foregoing embodiments of the computer device, and are not repeated here.

In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the modules or units is only one logical division, and there may be other divisions when actually implemented, for example, a plurality of units or components may be combined or may be integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be substantially implemented or contributed by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, a network device, or the like) or a processor (processor) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.

Moreover, those skilled in the art will appreciate that while some embodiments herein include some features included in other embodiments, rather than other features, combinations of features of different embodiments are meant to be within the scope of the application and form different embodiments. For example, in the claims, any of the claimed embodiments may be used in any combination.

It should be noted that the above-mentioned embodiments illustrate rather than limit the application, and that those skilled in the art will be able to design alternative embodiments without departing from the scope of the appended claims. In the claims, any reference signs placed between parentheses shall not be construed as limiting the claim. The word "comprising" does not exclude the presence of elements or steps not listed in a claim. The word "a" or "an" preceding an element does not exclude the presence of a plurality of such elements. The application may be implemented by means of hardware comprising several distinct elements, and by means of a suitably programmed computer. In the unit claims enumerating several means, several of these means may be embodied by one and the same item of hardware. The usage of the words first, second and third, etcetera do not indicate any ordering. These words may be interpreted as names. The steps in the above embodiments should not be construed as limiting the order of execution unless specified otherwise.

The above embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions in the embodiments of the present application.

Claims

1. A method for managing aggregated payments, comprising:

2. The method according to claim 1, wherein the incoming registration information includes client type information, and the classifying, by the server, the incoming registration information according to the preset rule and uploading the incoming registration information to the payment channel system corresponding to the classification result according to the classification result specifically includes:

3. The method according to claim 1, wherein the incoming registration information includes payment channel system information, and the classifying, by the server, the incoming registration information according to the preset rule and uploading the incoming registration information to the payment channel systems corresponding to the classification results according to the classification results specifically includes:

4. The method of claim 1, wherein when the first audit conclusion information is audit failure information or second audit failure information is received, the server notifies the terminal to modify the incoming registration data information, and resends the modified incoming registration data information.

5. The method of claim 1, wherein the aggregate payment program is located in a WeChat or Payment treasure applet field.

6. A server, comprising:

7. The server according to claim 6, wherein the incoming registration information includes customer type information, in order to classify the incoming registration information according to the preset rules and upload the incoming registration information to the payment channel systems corresponding to the classification results respectively according to the classification results, the processing module is configured to classify the incoming registration information according to the customer type information;

8. The server according to claim 6, wherein the incoming registration information includes payment channel system information, in order to classify the incoming registration information according to the preset rules and upload the incoming registration information to the payment channel systems corresponding to the classification results according to the classification results, the processing module is configured to classify the types of the payment channel systems according to the payment channel system information;

9. The server according to claim 6, wherein the sending module is further configured to notify the terminal to modify the incoming registration data information and resend the modified incoming registration data information when the first review result information is the review failure information or the second review failure information is received.

10. The server of claim 6, wherein the aggregate payment program is located in an applet program field of WeChat or Payment treasures.

11. A computer device, comprising: the system comprises a processor, a memory, a communication interface and a communication bus, wherein the processor, the memory and the communication interface complete mutual communication through the communication bus;

the memory is adapted to store at least one executable instruction that causes the processor to perform the steps of the method of managing aggregated payments according to any of the claims 1-5.

12. A computer storage medium having stored therein at least one executable instruction causing a processor to perform the steps of the method of managing aggregated payments of any one of claims 1-5.