CN112950190A

CN112950190A - Payment channel recommendation processing method, device and system

Info

Publication number: CN112950190A
Application number: CN202110262333.1A
Authority: CN
Inventors: 楼麟; 马文能
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: AlipayCom Co ltd
Priority date: 2021-03-10
Filing date: 2021-03-10
Publication date: 2021-06-11

Abstract

The embodiment of the specification provides a payment channel recommendation processing method, a payment channel recommendation processing device and a payment channel recommendation processing system, wherein the payment channel recommendation processing method comprises the following steps: calling an operation platform to perform permission and permission detection on a payment request submitted by a user, and obtaining a permission and permission detection result returned by the operation platform; under the condition that the recommended payment channel in the payment channel list of the payment request is switched, judging whether the right and interest detection result is allowed to pass or not; if yes, calling the operation platform to generate payment rights and interests of the payment request under the recommended payment channel; and generating the right recommendation information of the recommended payment channel according to the payment right and recommending the right recommendation information to the user.

Description

Payment channel recommendation processing method, device and system

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a payment channel recommendation processing method, device, and system.

Background

With the development of the internet, more and more service platforms are emerging to provide various services for users so as to meet various requirements of the users in life and work. The third-party payment platform is a platform for establishing connection between a merchant and a bank by a platform provider through communication, computer and information security technology, so that money payment, cash flow, fund clearing and inquiry statistics among consumers, financial institutions and merchants are realized, the platform serves as a supervisor and a main payment channel of network transaction, and the third-party payment platform provides richer payment means and reliable service guarantee.

Disclosure of Invention

One or more embodiments of the present specification provide a payment channel recommendation processing method. The payment channel recommendation processing method comprises the following steps: and calling an operation platform to perform permission and permission detection on the payment request submitted by the user, and obtaining a permission and permission detection result returned by the operation platform. Under the condition that the recommended payment channel in the payment channel list of the payment request is switched, judging whether the right and interest detection result is allowed to pass or not; if yes, the operation platform is called to generate the payment rights and interests of the payment request under the recommended payment channel. And generating the right recommendation information of the recommended payment channel according to the payment right and recommending the right recommendation information to the user.

One or more embodiments of the present specification provide a payment channel recommendation processing apparatus including: and the admission detection module is configured to call the operation platform to perform permission and benefit admission detection on the payment request submitted by the user, and obtain a permission and benefit detection result returned by the operation platform. The result judging module is configured to judge whether the right detection result is allowed to pass or not under the condition that the recommended payment channel in the payment channel list of the payment request is switched; if yes, operating a right generation module, wherein the right generation module is configured to call the operation platform to generate the payment right of the payment request in the recommended payment channel. And the right interest recommending module is configured to generate right interest recommending information of the recommended payment channel according to the payment right interest and recommend the right interest recommending information to the user.

One or more embodiments of the present specification provide a payment channel recommendation processing system including: payment cashier platform, operation platform and user terminal. The payment cashier platform is configured to call an operation platform to perform permission and interest admission detection, generate payment permission and store permission and interest detection results; under the condition that the recommended payment channel in the payment channel list of the payment request is switched, judging whether the right and interest detection result is allowed to pass or not; and if so, generating the rights and interests recommendation information of the recommended payment channel according to the payment rights and interests and recommending the rights and interests recommendation information to the user terminal. The operation platform is configured to respond to the calling of the payment and cash register platform to perform the permission and permission detection on the payment request submitted by the user and generate the payment permission and permission of the payment request under the recommended payment channel. The user terminal is configured to submit a payment request to the payment and cash register platform; under the condition that the recommended payment channel is detected to be switched, a switching instruction is submitted to the payment cashier platform; and receiving and displaying the rights and interests recommendation information.

One or more embodiments of the present specification provide a payment channel recommendation processing apparatus including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and calling an operation platform to perform permission and permission detection on the payment request submitted by the user, and obtaining a permission and permission detection result returned by the operation platform. Under the condition that the recommended payment channel in the payment channel list of the payment request is switched, judging whether the right and interest detection result is allowed to pass or not; if yes, the operation platform is called to generate the payment rights and interests of the payment request under the recommended payment channel. And generating the right recommendation information of the recommended payment channel according to the payment right and recommending the right recommendation information to the user.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following: and calling an operation platform to perform permission and permission detection on the payment request submitted by the user, and obtaining a permission and permission detection result returned by the operation platform. Under the condition that the recommended payment channel in the payment channel list of the payment request is switched, judging whether the right and interest detection result is allowed to pass or not; if yes, the operation platform is called to generate the payment rights and interests of the payment request under the recommended payment channel. And generating the right recommendation information of the recommended payment channel according to the payment right and recommending the right recommendation information to the user.

Drawings

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

Fig. 1 is a flowchart illustrating a payment channel recommendation processing method according to one or more embodiments of the present disclosure;

FIG. 2 is a schematic illustration of a recommended payment channel provided in one or more embodiments of the present description;

FIG. 3 is a schematic diagram illustrating a list of payment channels provided in one or more embodiments of the present disclosure;

FIG. 4 is a schematic illustration of equity recommendation information provided in one or more embodiments of the present disclosure;

fig. 5 is a process flow diagram of a payment channel recommendation processing method applied to a payment scenario according to one or more embodiments of the present specification;

FIG. 6 is a schematic diagram of a payment channel recommendation processing apparatus according to one or more embodiments of the present disclosure;

FIG. 7 is a block diagram of a payment channel recommendation processing system according to one or more embodiments of the present disclosure;

fig. 8 is a schematic structural diagram of a payment channel recommendation processing apparatus according to one or more embodiments of the present specification.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

The embodiment of a payment channel recommendation processing method provided by the specification comprises the following steps:

referring to fig. 1, which shows a processing flow diagram of a payment channel recommendation processing method provided in this embodiment, referring to fig. 2, which shows a recommended payment channel presentation schematic diagram provided in this embodiment, referring to fig. 3, which shows a payment channel list presentation schematic diagram provided in this embodiment, referring to fig. 4, which shows a rights and interests recommendation information presentation schematic diagram provided in this embodiment, referring to fig. 5, which shows a processing flow diagram of a payment channel recommendation processing method applied to a payment scenario provided in this embodiment.

Referring to fig. 1, the payment channel recommendation processing method provided in this embodiment specifically includes the following steps S102 to S108.

Step S102, calling an operation platform to perform permission and permission detection on a payment request submitted by a user, and obtaining a permission and permission detection result returned by the operation platform.

The payment channel recommendation processing method provided by this embodiment is applied to a payment and cash register platform, and recommends a user to pay by using a recommended payment channel in a real-time awarding and real-time using manner, and specifically, the payment and cash register platform calls an operation platform and a payment decision platform to make a payment decision when receiving a payment that the user calls the payment and cash register platform, wherein the operation platform is first called to perform permission detection on a payment scene and a user identifier in a payment request and store a permission detection result returned by the operation platform, and the payment decision platform is called to query a payment channel list corresponding to the payment request, if it is detected that the user switches the recommended payment channel through the payment channel list or the payment request is cancelled, the stored permission detection result is queried, and if the permission detection result is permission, the operation platform is called to generate a payment permission of the payment request under the recommended payment channel, the payment cashier platform calls the payment decision platform to inquire right details of the payment right when receiving the right generation prompt returned by the operation platform, then generates right recommendation information according to the right details and sends the right recommendation information to the user terminal of the user, the user terminal displays the right recommendation information on a payment page or renders a recommendation layer on the payment page, the user can sense the right details of the payment right in time, the utilization rate of a recommended payment channel is promoted in a real-time awarding mode, the right is issued in real time and used in real time, the cost is saved, and the operation efficiency is improved.

The payment cashier platform in this embodiment refers to a service platform for performing payment processing at the back end of a payment application, such as a wireless cashier desk in the payment application; the operation platform refers to a platform for performing equity operation processing on the payment request by combining the payment cashier platform, for example, a payment operation platform for issuing equity to the user in cooperation with a wireless cashier desk; specifically, the operation platform includes a first sub-operation platform that determines whether a payment scenario (a service type corresponding to the payment request) included in the payment request is within a preset rights and interests range, and/or a second sub-operation platform that determines whether a user identifier carried in the payment request meets rights and interests issuing conditions; the first sub-operation platform is a rights and interests operation platform storing service activity types of rights and interests activities preset in the payment application, and the first sub-operation platform stores at least one service activity type, such as payment type rights and interests issue, transfer type rights and interests issue, default setting type rights and interests issue, payment type rights and interests issue and the like; the first sub-operation platform judges whether the service type corresponding to the payment request is in a preset right and interest range, namely judges whether the service type hits any type of right and interest issue; the activity types form a preset right scope, and the preset right scope refers to an activity type scope formed by preset service activity types for right issue. The second sub-operation platform refers to a rights and interests operation platform which actually generates and actually issues rights and interests. The right issue condition includes whether the credit of the user identifier reaches a credit threshold, and the right issue condition may also include other detection conditions for the user identifier.

The right and interest admission detection means detecting whether the service type corresponding to the payment request is in a preset right and interest range and/or detecting whether the user identification carried by the payment request meets the right and interest issuing condition. For example, whether the service type hits any one of payment type right issue, transfer type right issue, default setting type right issue and payment type right issue is detected, and/or whether the credit degree of the user identifier is greater than a threshold value is detected; and the permission detection result is that the permission is passed or not passed. The payment request refers to a request for calling up a payment cashier platform.

In practical application, in a payment process, a server of the payment application generates a payment request according to a payment instruction for a payment order submitted by a user and sends the payment request to a payment and cash register platform, and after the payment and cash register platform receives the payment request, on one hand, an operation platform is called to perform permission and permission detection on the payment request to obtain a permission and permission detection result returned by the operation platform, and on the other hand, a payment decision platform is also called to inquire a payment channel corresponding to the payment request to generate a payment channel list and send the payment channel list to the user.

In a specific implementation, in order to improve convenience of a user in a payment process and enable the user to select a payment channel independently, in an optional implementation manner provided in this embodiment, before invoking an operation platform to perform permission detection, a payment decision platform is first invoked to query a payment channel corresponding to a payment request based on the payment request; then generating the payment channel list according to the payment channel and sending the payment channel list to the user terminal of the user; the recommended payment channel in the payment channel list is marked as a payment selected state; the payment decision platform refers to a platform for managing payment channels.

For example, when the service type corresponding to the payment request is detected to be a transfer type, calling a payment decision platform to inquire corresponding payment channels including a xxx1 bank card payment channel, a xxx2 bank card payment channel and an account balance payment channel, wherein the account balance payment channel can be marked as a payment selection state; when the payment type corresponding to the payment request is detected to be a recharging payment type, calling a payment decision platform to inquire the corresponding payment channels including a xxx1 bank card payment channel, a xxx2 bank card payment channel, a credit granting payment channel and an account balance payment channel, wherein the credit granting payment channel is marked to be in a payment selected state.

The method comprises the steps that after a user terminal receives a payment channel list, the payment channel list is displayed, specifically, the payment channel list can be directly displayed on a payment page, only recommended payment channels (credit granting payment channels) marked as payment selected states in the payment list can be displayed on the payment page, and under the condition that only credit granting payment channels are displayed, the user can check the payment channel list by triggering specific areas in the payment page; it should be noted that, in the process of displaying the payment channel list, the payment channel list can be displayed by one of the two display methods, or by a combination of the two display methods.

As shown in fig. 2, when a payment request for a recharge payment order submitted by a user is received, a payment decision platform is invoked according to the payment request to query corresponding payment channels including a xxx1 bank card payment channel, a xxx2 bank card payment channel, a credit payment channel and an account balance payment channel, the credit payment channel in the payment channels is marked, a payment channel list is generated according to the obtained payment channel and the marked credit payment channel and is sent to a user terminal of the user, because the credit payment channel is marked, the credit payment channel in the payment channel list is marked as a payment selected state, when the user terminal receives the payment channel list, the credit payment channel in the payment selected state is displayed to the user on a payment page, the user can click a specific area 201 of the payment page to view the payment channel list, and after the user clicks 201, and displaying the payment channel list to the user, wherein the selected payment channel in the payment channel list is the credit granting payment channel.

In addition, in order to improve the convenience of use of the user, a default payment channel is configured for the user in advance according to the user requirement, so that the user can directly use the configured default payment channel when using the user next time, and in order to realize penetration of a credit authorization payment channel, the user is guided to set the credit authorization payment channel as the default payment channel by a mode of issuing a reward right and benefit, and the user can enjoy the reward right and benefit in real time; if yes, executing the following step S104, and judging whether the right and interest detection result is allowed to pass or not under the condition that the recommended payment channel in the payment channel list of the payment request is switched; if not, inquiring whether the right detection result is an admission pass; if the user passes the authorization request, calling the operation platform to generate an incentive right of the recommended payment channel configured as a default payment channel, and generating a configuration prompt aiming at the recommended payment channel based on the incentive right to send to the user; if not, no processing is performed.

In specific implementation, the right and interest admission detection needs to detect whether the service type is in a preset right and interest range, and whether the user identification meets the right and interest issuing condition, and the two detections are both completed by the operation platform. As described above, the operation platform includes the first sub-operation platform and the second sub-operation platform, specifically, whether the service type is in the preset rights and interests range is determined by the first sub-operation platform, whether the user identifier meets the rights and interests issue condition is determined by the second sub-operation platform, and in order to enable the first sub-operation platform and the second sub-operation platform to sense the detection content and the detection result in time, in an optional implementation manner provided in this embodiment, the rights and interests admission detection is performed in the following manner:

calling a first sub-operation platform to inquire whether the service type corresponding to the payment request is in a preset rights and interests range;

if not, returning the permission detection result that the admission is not passed;

if so, the first sub-operation platform calls a payment decision platform to inquire whether the user identification carried by the payment request meets the rights and interests issuing condition from a second sub-operation platform;

if yes, the second sub-operation platform returns the permission and benefit detection result of the admittance to the first sub-operation platform through the payment decision platform;

and if not, the second sub-operation platform returns the permission and benefit detection result that the permission does not pass to the first sub-operation platform through the payment decision platform.

Specifically, after a first sub-operation platform is called to inquire whether the service type is in a preset equity range, the first sub-operation platform calls a payment decision platform to inquire whether a user identifier meets the equity issuing condition or not from a second sub-operation platform; the first sub-operation platform, the payment decision platform and the second sub-operation platform are in a layer-by-layer calling relationship, in the calling process, data needs to be returned as calling feedback, optionally, if the second sub-operation platform inquires that the user identifier meets the right and interest issuing condition, the second sub-operation platform sends the right and interest detection result which passes the access to the payment decision platform so as to respond to the inquiry of the payment decision platform; the payment decision platform forwards the permission and benefit detection result passing the admission to the first sub-operation platform so as to respond to the calling of the first sub-operation platform; and the first sub-operation platform sends the permission and interest detection result passing the access to the payment and cash register platform so as to store the payment and cash register platform.

For example, a payment request of a user for a recharging payment order is acquired, a right and gain admission detection content is generated according to a service type (recharging and paying type) carried in the payment request and a user ID, the right and gain admission detection content is sent to a first sub-operation platform, namely, the first sub-operation platform is called to inquire whether the recharging and paying type is in a preset right and gain range, if so, a payment decision platform is called to make the payment decision platform call a second sub-operation platform to inquire whether a user identifier is an abnormal identifier, if not, a right and gain detection result passing admission is generated and sent to the payment decision platform to respond to the inquiry of the payment decision platform, the payment decision platform receives the right and gain detection result and forwards the right and gain detection result to the payment platform to respond to the call of the payment platform, and the payment and cash register platform receives and stores the rights and interests detection result.

And step S104, judging whether the right detection result is allowed to pass or not under the condition that the recommended payment channel in the payment channel list of the payment request is switched.

The recommended payment channel is switched, namely the selected state in the payment channel list is switched from the recommended payment channel to other payment channels, namely the recommended payment channel in the payment channel list is switched to be selected from other payment channels.

In practical application, after receiving a payment channel list, a user terminal displays the payment channel list, specifically, the payment channel list can be directly displayed on a payment page, only a recommended payment channel marked as a payment selected state in the payment list can be displayed on the payment page, and under the condition that only a credit payment channel is displayed, a user can check the payment channel list by triggering a specific area in the payment page; it should be noted that, in the process of displaying the payment channel list, the payment channel list can be displayed by one of the two display methods, or by a combination of the two display methods. In the process of viewing the payment channel list, the user can switch the payment channels by clicking the specific area.

In specific implementation, in order to reduce the cost of a bank card payment channel, a user uses a recommended payment channel for payment, optionally, if the payment channel list is displayed on a payment page, when a selected action which is submitted by the user and is specific to a payment channel other than the recommended payment channel in the payment channel list is received, the recommended payment channel is confirmed to be switched; or after the user terminal receives the payment channel list, if the recommended payment channel is displayed on a payment page, when receiving that the user triggers a specific area of the payment page to view the payment channel list and submits a selected action aiming at a payment channel other than the recommended payment channel in the payment channel list, confirming that the recommended payment channel is switched.

Specifically, receiving a switching instruction submitted by a user terminal when detecting a selected action aiming at a payment channel other than a recommended payment channel in a payment channel list, inquiring whether a stored right and interest detection result is allowed to pass or not based on the switching instruction, if so, executing the following step S106, and calling the operation platform to generate a payment right and interest of the payment request under the recommended payment channel; if not, no processing is carried out.

As shown in fig. 2, after the user clicks 201 in fig. 2, a payment channel list shown in fig. 3 is displayed to the user, when the payment channel list is displayed, a credit granting payment channel is marked as a selected state, when the user clicks a display area corresponding to a xxx1 bank card payment channel, the xxx1 bank card payment channel is marked as a selected state, and whether a stored equity detection result passes the permission or not is judged, if yes, an operation platform is called to generate a payment equity, and if not, no processing is performed.

In addition, in order to improve the payment success rate and enable the user who calls up the payment cashier platform to complete payment as much as possible, a payment right is issued to the user when the user clicks to close the payment cashier platform, such as randomly reducing a red packet, and the payment right is displayed to the user in a mode of displaying a recommended popup window on a payment page, so that the user is saved and continues to use a recommended payment channel to complete payment, and the user is saved; in an optional implementation manner provided by this embodiment, when it is detected that the payment request is cancelled, it is determined whether the right detection result is an admission pass; if so, sending the rights and interests recommendation information to a user terminal of the user so that the user terminal renders a recommendation layer carrying the rights and interests recommendation information above a payment page; if not, no processing is carried out.

And step S106, calling the operation platform to generate the payment rights and interests of the payment request under the recommended payment channel.

The payment rights and interests comprise cloud disk storage space, terminal flow, electronic book reading rights, electronic game equipment, member experience coupons, financial product coupons, fund coupons, consumption red packages and the like.

In a specific implementation, different service types correspond to the same or different payment rights, and the rights and interests details of the payment rights are generated by the second sub-operation platform, in an optional implementation manner provided in this embodiment, the payment rights are generated in the following manner: and the second sub-operation platform generates the payment rights according to the rights generation instruction sent by the first sub-operation platform and returns a rights generation prompt to the first sub-operation platform.

Specifically, in the process of calling the operation platform to generate the payment equity of the payment request in the recommended payment channel, firstly calling the first sub-operation platform to send an equity generation instruction to the second sub-operation platform, so that the second sub-operation platform generates the payment equity of the payment request in the recommended payment channel; then acquiring a right generation prompt returned by the first sub-operation platform after the second sub-operation platform generates the payment right; the method comprises the steps that a payment cashier platform, a first sub-operation platform and a second sub-operation platform also call a second sub-operation platform with a layer-by-layer returning relationship to generate payment rights and then send a rights generation prompt to the first sub-operation platform, the first sub-operation platform forwards the rights generation prompt to the payment cashier platform, and when the rights generation prompt is received, the following step S108 is executed, and rights recommendation information of a recommended payment channel is generated according to the payment rights and recommended to a user.

For example, when the condition that the payment of the user is switched from a credit payment channel to the payment of a xxx1 bank card is detected, if the corresponding right and interest detection result is found to be allowed to pass, the first sub-operation platform is called to send a right and interest generation instruction to the second sub-operation platform, the second sub-operation platform generates a payment right and interest according to the right and interest generation instruction, the right and interest content is described as 'Lixiahongbao m1 yuan', a right and interest generation reminder is generated after the payment right and interest is sent to the first sub-operation platform, the first sub-operation platform forwards the right and interest generation reminder to the payment cashier platform, and the payment cashier platform generates right and interest recommendation information according to the payment right and recommends to the user after receiving the right and interest generation reminder.

And S108, generating rights and interests recommendation information of the recommended payment channel according to the payment rights and interests and recommending the rights and interests to the user.

The equity recommendation information includes recommendation information generated according to the payment equity and recommending that the user use the recommended payment channel for payment, for example, a text prompt' is a red packet which is not used in a current credit payment channel and needs to be switched? "or" pay using a credit payment channel, can enjoy a randomly decreasing red envelope ".

In a specific implementation, after receiving a right generation reminder forwarded by the first sub-operation platform, querying right details of the payment right, then generating right recommendation information according to the right details, recommending a user to pay by using a recommended payment channel, and in order to make the generated right recommendation information more persuasive, making the user perceive specific contents of the payment right, in an optional implementation manner provided in this embodiment, in a process of generating the right recommendation information of the recommended payment channel according to the payment right and recommending the right recommendation information to the user, the following operations are performed:

calling a payment decision platform to inquire the right details of the payment right from the second sub-operation platform;

and generating the interest recommendation information according to the interest details and sending the interest recommendation information to the user terminal of the user.

Specifically, after receiving the right generation reminder, the payment decision platform is called again to inquire all payment channels so as to obtain the issued rights and benefits, the user is touched in a certain mode so as to achieve the operation effect, and the user terminal displays the right recommendation information on a payment page after receiving the right recommendation information; optionally, the equity recommendation information is displayed on a payment page, or a recommendation layer carrying the equity recommendation information is rendered on the payment page. It should be noted that, in the process of displaying the right recommendation information, the right recommendation information may be displayed in any one of the two display manners, or the right recommendation information may be displayed by combining the two display manners. In addition, the region showing interest details of the recommended payment channel can be shown in the payment channel list.

After a user clicks a display area corresponding to a xxx1 bank card payment channel in fig. 3 and receives a right generation reminder, a payment decision platform is called to inquire a payment channel corresponding to a recharging payment order again, the right detail of the payment right generated by a second sub-operation platform is obtained as 'instant red packet m1 yuan', text recommendation information 'payment is generated according to the right detail' by using a credit payment channel, and then can the user enjoy an m1 instant red packet, and do it need to be switched? And sending the text recommendation information to the user terminal, as shown in fig. 4, displaying the text recommendation information at a corresponding position of a payment page by the user terminal, and switching the payment channel to the credit granting payment channel again when a display area of the text information is clicked.

In practical application, the payment rights and interests of the recommended payment channel can be used only under the condition that the user uses the recommended payment channel to pay; in specific implementation, after a user submits a payment confirmation instruction, it is necessary to determine whether a payment channel submitted by the user is a recommended payment channel, and in order to enable the user to use the recommended payment channel for payment and promote the utilization rate of the recommended payment channel, in an optional implementation manner provided in this embodiment, after sending equity recommendation information to a user terminal, the following steps are performed:

receiving a payment confirmation instruction submitted by the user;

judging whether a payment channel corresponding to the payment confirmation instruction is the recommended payment channel or not;

if yes, payment processing is carried out according to the payment rights and interests, and a payment result is generated so as to respond to the payment confirmation instruction;

if not, no processing is carried out.

For example, get the user and click and show the word recommendation information "pay using the credit granting payment channel, can enjoy m1 yuanhu red envelope, need to switch? The display area switches the payment channel back to the credit payment channel, clicks a payment confirmation instruction submitted by a confirmation payment button, carries out payment processing on the user according to the rights and interests details of the payment rights and interests, generates a payment result and displays the payment result to the user so as to respond to the payment confirmation instruction submitted by the user.

The following describes the payment channel recommendation processing method provided in this embodiment by taking an application of the payment channel recommendation processing method provided in this embodiment in a payment scenario as an example, with reference to fig. 5. Referring to fig. 5, the payment channel recommendation processing method applied to the payment scenario specifically includes steps S502 to S518.

Step S502, according to the payment request submitted by the user, calling a payment decision platform to inquire a corresponding payment channel.

Step S504, generating a payment channel list containing the inquired payment channel and sending the payment channel list to the user terminal.

The credit granting payment channels in the payment channel list are marked as a payment selected state, the user terminal displays the credit granting payment channels on the payment page after receiving the payment channel list, and the user can check the payment channel list by triggering a specific area of the payment page.

Step S506, calling a first sub-operation platform to inquire whether the service type corresponding to the payment request is in a preset right and interest range;

if yes, go to step S508;

and if not, receiving the permission and benefit detection result which is returned by the first sub-operation platform and does not pass the admission.

Step S508, the first sub-operation platform calls the payment decision platform to inquire whether the user identification carried by the payment request meets the equity issue condition from the second sub-operation platform;

if yes, go to step S510;

if not, receiving a right and interest detection result which is sent to the payment decision platform by the second sub-operation platform, forwarded to the first sub-operation platform by the payment decision platform, and returned by the first sub-operation platform and does not pass the admission;

step S510, receiving and storing the right and benefit detection result returned by the first sub-operation platform.

The right and interest detection result which passes the admission is firstly sent to the payment decision platform by the second sub-operation platform, then forwarded to the first sub-operation platform by the payment decision platform, and finally returned by the first sub-operation platform.

Step S512, under the condition that the credit granting payment channel in the payment channel list is detected to be switched, inquiring a rights and interests detection result.

The method comprises the following steps that a credit granting payment channel is switched, namely, the selected state in a payment channel list is switched to other payment channels from the credit granting payment channel, namely, the credit granting payment channel in the payment channel list is selected and switched to other payment channels to be selected; and the inquired right and interest detection result is an admission pass.

Step S514, the first sub-operation platform is called to send a rights and interests generating instruction to the second sub-operation platform, so that the second sub-operation platform generates payment rights and interests of the payment request in the credit granting payment channel.

And after the second sub-operation platform generates the payment right, receiving a right generation reminder returned by the first sub-operation platform, wherein the right generation reminder is sent to the first sub-operation platform by the second sub-operation platform under the condition of generating the payment right and is returned by the first sub-operation platform.

And step S516, generating a prompt according to the rights, calling a payment decision platform to inquire the rights details of the payment rights, generating rights recommendation information according to the rights details, and sending the rights recommendation information to the user terminal.

And the user terminal displays the right and interest recommendation information on a payment page after receiving the right and interest recommendation information, and the user switches the payment channel back to the credit payment channel by clicking a specific area of the payment page.

And step S518, performing payment processing according to the payment confirmation instruction and the right details submitted by the user, generating a payment result and sending the payment result to the user.

In summary, in the payment channel recommendation processing method provided in this embodiment, the operation platform is first invoked to perform permission and permission admission detection on the payment request submitted by the user, so as to obtain a permission and permission detection result returned by the operation platform, and then, when it is detected that the recommended payment channel in the payment channel list of the payment request is switched, whether the permission and permission detection result is permitted to pass is determined; if so, calling the operation platform to generate a payment right of the payment request in the recommended payment channel; and finally, generating rights and interests recommendation information of the recommended payment channel according to the payment rights and interests and recommending the rights and interests to the user, so that the cost of the bank card is reduced, and the user is guided to select the recommended payment channel to pay.

An embodiment of a payment channel recommendation processing apparatus provided in this specification is as follows:

in the foregoing embodiment, a payment channel recommendation processing method is provided, and correspondingly, a payment channel recommendation processing apparatus is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 6, a schematic diagram of a payment channel recommendation processing apparatus provided in this embodiment is shown.

Since the device embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions only need to refer to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.

The embodiment provides a payment channel recommendation processing device, which comprises:

an admission detection module 602 configured to invoke an operation platform to perform admission detection on a payment request submitted by a user, and obtain an admission detection result returned by the operation platform;

a result determining module 604, configured to determine whether the right detection result is an admission pass or not in a case that a recommended payment channel in the payment channel list of the payment request is switched;

if yes, operating a rights and interests generating module 606, wherein the rights and interests generating module 606 is configured to invoke the operation platform to generate payment rights and interests of the payment request in the recommended payment channel;

and the interest recommending module 608 is configured to generate interest recommendation information of the recommended payment channel according to the payment interest and recommend the interest recommendation information to the user.

Optionally, the payment channel recommendation processing apparatus further includes:

the channel query module is configured to call a payment decision platform to query a payment channel corresponding to the payment request based on the payment request;

the list generating module is configured to generate the payment channel list according to the payment channel and send the payment channel list to the user terminal of the user; the recommended payment channel in the payment channel list is marked as a payment selected state.

Optionally, after receiving the payment channel list, the user terminal displays the payment channel list on a payment page, and when receiving a selected action submitted by the user for a payment channel other than the recommended payment channel in the payment channel list, confirms that the recommended payment channel is switched;

and after receiving the payment channel list, the user terminal displays the recommended payment channel on a payment page, and confirms that the recommended payment channel is switched when receiving that the user triggers a specific area of the payment page to view the payment channel list and submits a selection action aiming at payment channels except the recommended payment channel in the payment channel list.

Optionally, the admission detection module 602 includes:

the first calling sub-module is configured to call a first sub-operation platform to inquire whether the service type corresponding to the payment request is in a preset rights and interests range;

if yes, operating a second calling sub-module, wherein the second calling sub-module is configured to enable the first sub-operation platform to call a payment decision platform to inquire whether the user identification carried by the payment request meets the right and interest issuing condition or not from a second sub-operation platform;

and if the result is in line with the permission, the operation result returning submodule is configured to return the permission and benefit detection result of the permission and the passing to the first sub-operation platform through the payment decision platform by the second sub-operation platform.

Optionally, the permission detection result that the admission passes is returned by operating the following modules:

a first returning module configured to send the right and benefit detection result of the admittance to the payment decision platform by the second sub-operation platform in response to the query of the payment decision platform;

a second returning module configured to forward the permission and benefit detection result of the admittance to the first sub-operation platform by the payment decision platform in response to the invocation of the first sub-operation platform.

Optionally, the payment right is generated by operating the following modules:

and the reminding feedback module is configured to enable the second sub-operation platform to generate the payment rights and interests according to the rights and interests generating instruction sent by the first sub-operation platform and feed back rights and interests generating reminding to the first sub-operation platform.

Optionally, the equity recommendation module 608 includes:

a decision platform calling sub-module configured to call a payment decision platform to query the right details of the payment right from the second sub-operation platform;

and the recommendation information generation submodule is configured to generate the rights and interests recommendation information according to the rights and interests details and send the rights and interests recommendation information to the user terminal of the user.

Optionally, after receiving the equity recommendation information, the user terminal displays the equity recommendation information on a payment page, or renders a recommendation layer carrying the equity recommendation information on the payment page.

a cancellation detection module configured to determine whether the right detection result is an admission pass or not in a case that the payment request is detected to be cancelled;

and if so, operating a layer display module, wherein the layer display module is configured to send the rights and interests recommendation information to the user terminal of the user, so that the user terminal renders a recommendation layer carrying the rights and interests recommendation information above a payment page.

a default judgment module configured to judge whether a default payment channel configured in the payment channel list is the recommended payment channel;

if not, operating an admission query module, wherein the admission query module is configured to query whether the right and interest detection result is that admission is passed;

if the user passes the condition, operating an incentive equity issuing module, wherein the incentive equity issuing module is configured to call the operation platform to generate incentive equity of which the recommended payment channel is configured as a default payment channel, and generating configuration reminding aiming at the recommended payment channel based on the incentive equity to send to the user.

a confirmation instruction receiving module configured to receive a payment confirmation instruction submitted by the user;

the channel judging module is configured to judge whether a payment channel corresponding to the payment confirmation instruction is the recommended payment channel;

if yes, operating a payment processing module, wherein the payment processing module is configured to perform payment processing according to the payment rights and interests and generate a payment result so as to respond to the payment confirmation instruction.

The embodiment of the payment channel recommendation processing system provided by the specification is as follows:

fig. 7 is a block diagram of a payment channel recommendation processing system according to one or more embodiments of the present disclosure.

The payment channel recommendation processing system provided by the embodiment comprises:

a payment cashier platform 701, an operation platform 702 and a user terminal 703;

the payment cashier platform 701 is configured to call the operation platform 702 to perform permission and interest admission detection, generate payment permission and store a permission and interest detection result; under the condition that the recommended payment channel in the payment channel list of the payment request is switched, judging whether the right and interest detection result is allowed to pass or not; if yes, generating rights and interests recommendation information of the recommended payment channel according to the payment rights and interests and recommending the rights and interests recommendation information to the user terminal 703;

the payment cashier platform 701 refers to a service platform for performing payment processing at the back end of the payment application, such as a wireless cashier desk in the payment application; the operation platform 702 is a platform for performing equity operation processing on a payment request in combination with the payment cashier platform, for example, a payment operation platform for issuing equity to a user in cooperation with a wireless cashier desk; specifically, the operation platform 702 includes a first sub-operation platform that determines whether a payment scenario (a service type corresponding to the payment request) included in the payment request is within a preset rights and interests range, and/or a second sub-operation platform that determines whether a user identifier carried in the payment request meets rights and interests issuing conditions. The right and interest admission detection means detecting whether the service type corresponding to the payment request is in a preset right and interest range and/or detecting whether the user identification carried by the payment request meets the right and interest issuing condition. For example, whether the service type hits any one of payment type right issue, transfer type right issue, default setting type right issue and payment type right issue is detected, and/or whether the credit degree of the user identifier is greater than a threshold value is detected; and the permission detection result is that the permission is passed or not passed. The payment request refers to a request for calling up the payment cashier platform 701.

In specific implementation, under the condition that the payment request is detected to be cancelled, judging whether the right and interest detection result is allowed to pass; if yes, the rights and interests recommendation information is sent to the user terminal of the user, so that the user terminal 703 renders a recommendation layer carrying the rights and interests recommendation information above a payment page.

After a payment channel is inquired, judging whether a default payment channel configured in the payment channel list is the recommended payment channel or not; if not, inquiring whether the right detection result is an admission pass; if the user passes the authorization request, the operation platform 702 is invoked to generate the incentive right of the recommended payment channel configured as the default payment channel, and the configuration prompt aiming at the recommended payment channel is generated based on the incentive right and sent to the user.

The operation platform 702 is configured to perform the permission and permission detection on the payment request submitted by the user in response to the invocation of the payment cashier platform 701, and generate the payment permission and permission of the payment request in the recommended payment channel;

in specific implementation, the right and interest admission detection needs to detect whether the service type is in a preset right and interest range, and whether the user identification meets the right and interest issuing condition, and the two detections are both completed by the operation platform. As described above, the operation platform 702 includes a first sub-operation platform and a second sub-operation platform, and specifically, whether the service type is in the preset rights and interests range is determined by the first sub-operation platform, and whether the user identifier meets the rights and interests issue condition is determined by the second sub-operation platform. In the process of carrying out the equity admission detection, after the first sub-operation platform inquires that the service type is in the preset equity range, the first sub-operation platform calls a payment decision platform to inquire whether the user identification meets the equity issuing condition from the second sub-operation platform;

the user terminal 703 is configured to submit a payment request to the payment cashier platform 701; under the condition that the recommended payment channel is detected to be switched, a switching instruction is submitted to the payment cashier platform 701; and receiving and displaying the rights and interests recommendation information.

After receiving the equity recommendation information, the user terminal 703 displays the equity recommendation information on a payment page, or renders a recommendation layer carrying the equity recommendation information on the payment page.

The payment channel recommendation processing system further comprises a payment decision platform which is configured to inquire the payment channel corresponding to the payment request.

The payment channel recommendation processing device provided by the specification comprises the following embodiments:

on the basis of the same technical concept, one or more embodiments of the present specification further provide a payment channel recommendation processing apparatus for executing the above payment channel recommendation processing method, and fig. 8 is a schematic structural diagram of the payment channel recommendation processing apparatus provided in one or more embodiments of the present specification.

As shown in fig. 8, the payment channel recommendation processing apparatus may have a large difference due to different configurations or performances, and may include one or more processors 801 and a memory 802, and one or more stored applications or data may be stored in the memory 802. Wherein the memory 802 may be a transient storage or a persistent storage. The application program stored in memory 802 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a payment channel recommendation processing device. Still further, the processor 801 may be configured to communicate with the memory 802, and execute a series of computer-executable instructions in the memory 802 on the payment channel recommendation processing device. The payment channel recommendation processing apparatus may also include one or more power supplies 803, one or more wired or wireless network interfaces 804, one or more input-output interfaces 805, one or more keyboards 806, and the like.

In one particular embodiment, the payment channel recommendation processing apparatus includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the payment channel recommendation processing apparatus, and the one or more programs configured to be executed by the one or more processors include computer-executable instructions for:

calling an operation platform to perform permission and permission detection on a payment request submitted by a user, and obtaining a permission and permission detection result returned by the operation platform;

under the condition that the recommended payment channel in the payment channel list of the payment request is switched, judging whether the right and interest detection result is allowed to pass or not;

if yes, calling the operation platform to generate payment rights and interests of the payment request under the recommended payment channel;

and generating the right recommendation information of the recommended payment channel according to the payment right and recommending the right recommendation information to the user.

Optionally, the invoking the operation platform to perform the rights and interests admission detection on the payment request submitted by the user includes:

and if the right and the benefit are met, the second sub-operation platform returns the right and the benefit detection result of the admittance to the first sub-operation platform through the payment decision platform.

Optionally, the payment right is generated as follows:

and the second sub-operation platform generates the payment rights according to the rights generation instruction sent by the first sub-operation platform and feeds back rights generation reminding to the first sub-operation platform.

Optionally, the generating, according to the payment equity, equity recommendation information of the recommended payment channel and recommending the equity recommendation information to the user includes:

Optionally, the computer executable instructions, when executed, further comprise:

under the condition that the payment request is detected to be cancelled, judging whether the right and interest detection result is allowed to pass or not;

and if so, sending the rights and interests recommendation information to the user terminal of the user so that the user terminal renders a recommendation layer carrying the rights and interests recommendation information above a payment page.

An embodiment of a storage medium provided in this specification is as follows:

on the basis of the same technical concept, one or more embodiments of the present specification further provide a storage medium corresponding to the payment channel recommendation processing method described above.

The storage medium provided in this embodiment is used to store computer-executable instructions, and when executed, the computer-executable instructions implement the following processes:

Optionally, the payment right is generated as follows:

Optionally, after the invoking operation platform performs rights and interests admission detection on the payment request submitted by the user and the instruction for obtaining the rights and interests detection result returned by the operation platform is executed, the computer executable instruction further implements the following process when executed:

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the payment channel recommendation processing method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the foregoing corresponding method, and repeated details are not described here.

Characteristic embodiments of the present specification have been described above. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. Additionally, the processes depicted in the accompanying figures do not necessarily require the order in which features are shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 30 s of the 20 th century, improvements in a technology could clearly be distinguished between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a characteristic Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Language Description Language), traffic, pl (core unified Programming Language), HDCal, JHDL (Java Hardware Description Language), langue, Lola, HDL, laspam, hardbylangue (Hardware Description Language), vhjhdul, and vhigh-Language, which are currently used in most general. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.

One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. A payment channel recommendation processing method comprises the following steps:

2. The payment channel recommendation processing method of claim 1, wherein before the step of invoking the operation platform to perform the equity access detection on the payment request submitted by the user and obtaining the equity detection result returned by the operation platform is executed, the method further comprises:

calling a payment decision platform to inquire a payment channel corresponding to the payment request based on the payment request;

generating the payment channel list according to the payment channel and sending the payment channel list to the user terminal of the user; the recommended payment channel in the payment channel list is marked as a payment selected state.

3. The payment channel recommendation processing method of claim 2, the user terminal presenting the payment channel list on a payment page after receiving the payment channel list, confirming that the recommended payment channel is switched upon receiving a selected action submitted by the user for a payment channel other than the recommended payment channel in the payment channel list;

alternatively, the first and second electrodes may be,

4. The payment channel recommendation processing method of claim 1, wherein the invoking of the operation platform for performing the equity admission detection on the payment request submitted by the user comprises:

5. The payment channel recommendation processing method of claim 4, wherein the permission detection result of the admission passage is returned by the following method:

the second sub-operation platform sends the permission and benefit detection result of the admittance to the payment decision platform so as to respond to the inquiry of the payment decision platform;

and the payment decision platform forwards the permission and benefit detection result passing the admission to the first sub-operation platform so as to respond to the calling of the first sub-operation platform.

6. The payment channel recommendation processing method of claim 1, the payment rights generated by:

7. The payment channel recommendation processing method of claim 6, the generating and recommending to the user equity recommendation information for the recommended payment channel according to the payment equity, comprising:

8. The payment channel recommendation processing method of claim 7, wherein the user terminal displays the equity recommendation information on a payment page after receiving the equity recommendation information, or renders a recommendation layer carrying the equity recommendation information on the payment page.

9. The payment channel recommendation processing method of claim 1, wherein the step of invoking the operation platform to perform the equity access detection on the payment request submitted by the user and obtaining the equity detection result returned by the operation platform further comprises:

10. The payment channel recommendation processing method of claim 1, further comprising:

judging whether a default payment channel configured in the payment channel list is the recommended payment channel or not;

if not, inquiring whether the right detection result is an admission pass;

if the user passes the authorization request, the operation platform is called to generate the incentive right of the recommended payment channel configured as the default payment channel, and the configuration prompt aiming at the recommended payment channel is generated based on the incentive right and sent to the user.

11. The payment channel recommendation processing method of claim 1, further comprising, after the generating equity recommendation information for the recommended payment channel according to the payment equity and sending the user recommendation to the user recommendation step are performed:

receiving a payment confirmation instruction submitted by the user;

and if so, carrying out payment processing according to the payment rights and interests and generating a payment result so as to respond to the payment confirmation instruction.

12. A payment channel recommendation processing apparatus comprising:

the system comprises an admission detection module, a payment processing module and a payment processing module, wherein the admission detection module is configured to call an operation platform to perform permission and benefit admission detection on a payment request submitted by a user, and obtain a permission and benefit detection result returned by the operation platform;

the result judging module is configured to judge whether the right detection result is allowed to pass or not under the condition that the recommended payment channel in the payment channel list of the payment request is switched;

if yes, operating a right generation module, wherein the right generation module is configured to call the operation platform to generate the payment right of the payment request in the recommended payment channel;

and the right interest recommending module is configured to generate right interest recommending information of the recommended payment channel according to the payment right interest and recommend the right interest recommending information to the user.

13. A payment channel recommendation processing system comprising:

the system comprises a payment cashier platform, an operation platform and a user terminal;

the payment cashier platform is configured to call an operation platform to perform permission and interest admission detection, generate payment permission and store permission and interest detection results; under the condition that the recommended payment channel in the payment channel list of the payment request is switched, judging whether the right and interest detection result is allowed to pass or not; if yes, generating rights and interests recommendation information of the recommended payment channel according to the payment rights and interests and recommending the rights and interests recommendation information to the user terminal;

the operation platform is configured to respond to the calling of the payment cashier platform to carry out the permission and permission detection on the payment request submitted by the user and generate the payment permission and permission of the payment request under the recommended payment channel;

the user terminal is configured to submit a payment request to the payment and cash register platform; under the condition that the recommended payment channel is detected to be switched, a switching instruction is submitted to the payment cashier platform; and receiving and displaying the rights and interests recommendation information.

14. The payment channel recommendation processing system of claim 13, further comprising a payment decision platform;

wherein the payment decision platform is configured to query a payment channel corresponding to the payment request.

15. The payment channel recommendation processing system of claim 13, the user terminal further configured to:

and displaying the rights and interests recommendation information on a payment page, or rendering a recommendation layer carrying the rights and interests recommendation information on the payment page.

16. The payment channel recommendation processing system of claim 13, the payment checkout platform further configured to:

17. The payment channel recommendation processing system of claim 13, the payment checkout platform further configured to:

if not, inquiring whether the right detection result is an admission pass;

18. A payment channel recommendation processing apparatus comprising:

a processor; and the number of the first and second groups,

a memory configured to store computer-executable instructions that, when executed, cause the processor to:

19. A storage medium storing computer-executable instructions that when executed implement the following: