WO2019019682A1 - Payment method and apparatus, storage medium and terminal - Google Patents

Payment method and apparatus, storage medium and terminal Download PDF

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Publication number
WO2019019682A1
WO2019019682A1 PCT/CN2018/081244 CN2018081244W WO2019019682A1 WO 2019019682 A1 WO2019019682 A1 WO 2019019682A1 CN 2018081244 W CN2018081244 W CN 2018081244W WO 2019019682 A1 WO2019019682 A1 WO 2019019682A1
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WIPO (PCT)
Prior art keywords
payment
information
dimensional code
link
channel
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PCT/CN2018/081244
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French (fr)
Chinese (zh)
Inventor
万晓辉
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平安科技（深圳）有限公司
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Publication of WO2019019682A1 publication Critical patent/WO2019019682A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions

Definitions

  • the present application belongs to the field of communications technologies, and in particular, to a payment method, device, storage medium, and terminal.
  • Two-dimensional code payment is a form of mobile payment, which refers to a payment method that uses a two-dimensional code to remotely access a payment system and submit a payment instruction.
  • the user can perform payment settlement with the merchant by scanning the QR code provided by the merchant through the mobile client.
  • different payment channels respectively adopt independent two-dimensional codes, and the merchant needs to pre-connect various payment channels to prepare multiple two-dimensional codes; When paying, you need to distinguish the QR code first, and use the corresponding payment channel application to scan the code to complete the payment transaction.
  • different payment channels may also have different payment activities. For a variety of payment channels and payment activities, users cannot quickly find the best payment channel, and easily miss the payment activity information provided by the payment channel.
  • the embodiment of the present application provides a payment method, device, storage medium and terminal, so as to solve the existing two-dimensional code payment method, the merchant needs to access different payment channels, and the buyer distinguishes the two-dimensional code corresponding to different payment channels. problem.
  • the payment method includes:
  • the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information are sent to the payer terminal to display the payment information of the order to the payer, and may be used. Payment transaction interface and payment activity information for the payment channel.
  • the payment method includes:
  • the payment method further includes:
  • the RESTful interface is invoked to obtain the payment result information returned by the payment channel partner selected by the payment party after completing the payment transaction, and the payment result information is sent to the payer terminal and the payee terminal.
  • the payment method further includes:
  • the two-dimensional code link is returned to the payee terminal such that the payee terminal generates unique two-dimensional code information according to the two-dimensional code link and presents the two-dimensional code information to the payer.
  • the generating the QR code link according to the order information, the payment channel partner, and the payment activity information thereof includes:
  • the embodiment of the present application further provides a payment device, where the payment device includes:
  • An order obtaining module configured to acquire, when the call request of the two-dimensional code generating interface is received, the order information input by the payee terminal in the calling request;
  • a channel acquisition module configured to invoke a RESTful interface to obtain payment channel partners and their pushed payment activity information
  • a link generation module configured to generate a QR code link according to the order information, the payment channel partner, and the payment activity information thereof;
  • An information sending module configured to generate unique two-dimensional code information according to the two-dimensional code link, and send the two-dimensional code information to a payee terminal, so that the payment direction display the two-dimensional code information;
  • a verification module configured to obtain a scan link submitted by the payment party terminal after scanning the two-dimensional code information, and verify the scan link;
  • a channel sending module configured to send the order information, a payment transaction interface corresponding to a payment channel partner, and payment activity information to the payer terminal after the scan link verification is passed, to display the order to the payer Payment information, payment transaction interface and payment activity information for optional payment channels.
  • the payment device includes:
  • the historical data acquisition module is configured to combine the payment activity information of different payment channel partners to obtain historical usage data of different payment channel partners;
  • the prediction module is configured to predict the amount of payment transactions required by the different payment channel partners to complete the order according to the payment information of the order and the historical usage data of the different payment channel partners;
  • a comparison module configured to compare the payment transaction amount of the different payment channel partners, and select a payment channel with the smallest payment transaction amount as the optimal payment channel;
  • a channel recommendation module configured to send the payment transaction interface corresponding to the optimal payment channel to the payer terminal, to guide the payer to use the optimal payment channel to complete the order.
  • the payment device further includes:
  • the payment result sending module is configured to invoke the RESTful interface to obtain the payment result information returned by the payment channel partner selected by the payment party after completing the payment transaction, and send the payment result information to the payer terminal and the payee terminal.
  • the payment device further includes:
  • a link sending module configured to return the two-dimensional code link to the payee terminal, so that the payee terminal generates unique two-dimensional code information according to the two-dimensional code link and displays the two-dimensional code to the payer Code information.
  • link generation module is configured to:
  • the embodiment of the present application further provides one or more non-volatile readable storage media storing computer readable instructions, when the computer readable instructions are executed by one or more processors, such that the one or more The processor performs the following steps:
  • the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information are sent to the payer terminal to display the payment information of the order to the payer, and may be used. Payment transaction interface and payment activity information for the payment channel.
  • the embodiment of the present application further provides a terminal, including a memory, a processor, and computer readable instructions stored on the memory and executable on the processor, and the processor implements the following steps when the computer readable instructions are executed:
  • the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information are sent to the payer terminal to display the payment information of the order to the payer, and may be used. Payment transaction interface and payment activity information for the payment channel.
  • FIG. 1 is a first implementation flowchart of a payment method provided by an embodiment of the present application.
  • FIG. 2 is a schematic diagram of a selection interface of a payment channel provided by an embodiment of the present application.
  • FIG. 3 is a second implementation flowchart of a payment method provided by an embodiment of the present application.
  • FIG. 4 is a structural diagram of a structure of a payment apparatus according to an embodiment of the present application.
  • FIG. 5 is a schematic diagram of a terminal provided by an embodiment of the present application.
  • FIG. 1 shows a first implementation flow of a payment method provided by an embodiment of the present application.
  • the payment method is applied to a terminal, and the terminal is a server device of a payment platform, including but not limited to a server and a computer.
  • the payment platform is an integrated transaction platform integrating multiple payment channels, and can provide payment transaction interfaces of a plurality of different payment channel partners.
  • the payment method includes:
  • step S101 when the call request of the two-dimensional code generation interface is received, the order information introduced by the payee terminal in the call request is acquired.
  • the payee terminal is a merchant back-end system, such as a cashier device and a system thereof.
  • the order information includes, but is not limited to, an order number, an order amount, a merchant number, an order title, an appliance number, a product information, and a payment scenario.
  • the merchant back-office system receives the order information entered by the merchant to generate an order, and invokes the two-dimensional code generation interface provided by the payment platform to transmit the order information to the payment platform.
  • the two-dimensional code generation interface is a standard HTTP interface, that is, an API based on an HTTP service, which is a specification for interaction between a payment platform and a merchant, and is provided to a merchant to call a two-dimensional code link for generating an order for the payment platform or two.
  • Dimension code information After receiving the order information entered by the merchant, the payee terminal transmits the order information to the two-dimensional code generating interface, and sends a call request data packet to the payment platform according to the format agreed by the two-dimensional code generating interface. .
  • the payment platform queries the received data packet according to a preset frequency, and parses the call request data packet, thereby acquiring the two-dimensional code generation request and the cashier terminal incoming order information.
  • step S102 the RESTful interface is invoked to obtain the payment channel partner and the pushed payment activity information.
  • the payment channel partner is a payment channel that cooperates with the payment platform.
  • the payment channel partner periodically pushes the latest payment activity information to the payment platform described in the present application.
  • the payment activity information is an introduction information of a payment activity carried out by a payment channel partner, and is encrypted and transmitted by using a RESTful interface.
  • the payment activity information includes, but is not limited to, a full reduction activity and its rules, a bonus activity and its rules, a cashback activity and its rules, a coupon activity, and a detailed rule thereof.
  • the payment platform may also jointly launch a series of payment promotion activities in conjunction with the payment channel partners.
  • REST is the abbreviation of Representational State Transfer.
  • the Chinese name is a representational state transfer.
  • RESTful refers to a RESTful network interface.
  • the embodiment of the present application uses the RESTful interface to interact with the payment channel partner on the payment platform, which is beneficial to standardizing the data request mode of different payment channel partners, and is convenient for the payment activity information acquired by the platform for later maintenance.
  • step S103 a two-dimensional code link is generated according to the order information, the payment channel partner and its payment activity information.
  • the two-dimensional code link is a pre-paid transaction session link URL of the payment platform.
  • the server device of the payment platform after receiving the request, the server device of the payment platform generates a pre-payment transaction ticket corresponding to the payment channel partner according to the order information, the payment channel partner and the payment activity information, and generates a The QR code link code_url corresponding to the prepaid payment order.
  • the payment platform is an integrated transaction platform that integrates multiple payment channels, that is, the payment platform has completed the handover with multiple payment channels. After accessing the payment platform provided by the application, the merchant does not need to hand over to multiple payment channels.
  • the server device of the payment platform can generate a pre-paid transaction session link corresponding to the different payment channels according to the order request of the merchant, thereby realizing a two-dimensional code information binding multiple payment channels, effectively reducing the payment of the merchant.
  • the cost invested in the channel can be generated.
  • step S104 unique two-dimensional code information is generated according to the two-dimensional code link, and the two-dimensional code information is sent to the payee terminal for the payment direction to display the two-dimensional code information.
  • generating the two-dimensional code information according to the two-dimensional code link is a prior art, and may refer to the article “Details and Principles of Generation of Two-Dimensional Codes” published by Chen Wei on October 29, 2013. Let me repeat.
  • the recipient terminal obtains the QR code information
  • the merchant provides the QR code information to the buyer user for scanning.
  • the buyer user may scan the two-dimensional code to start the payment by using the scanning function provided by the application corresponding to the payment platform described in the application, or scan the two by using the scanning function of the application corresponding to any payment channel partner.
  • the code is used to initiate payment.
  • the payment platform server device may also return only the two-dimensional code link to the payee terminal, and the payee terminal automatically generates a unique two-dimensional code according to the two-dimensional code link. information. Therefore, after the two-dimensional code link is generated according to the order information, the payment channel partner, and the payment activity information, the payment method may further include:
  • the two-dimensional code link is returned to the payee terminal such that the payee terminal generates unique two-dimensional code information according to the two-dimensional code link and presents the two-dimensional code information to the payer.
  • step S105 a scan link submitted by the payer terminal after scanning the two-dimensional code information is obtained, and the scan link is verified.
  • the buyer user uses the payer terminal scan code, including but not limited to the application scan code corresponding to the payment channel partner, and the program scanning code corresponding to the payment platform, after the scan code is completed, the payer The terminal submits a scan link to the server device of the payment platform.
  • the scan link is a data packet submitted by the payer terminal to the payment platform after scanning the two-dimensional code, and the data package includes but is not limited to order information and payer information.
  • the server device of the payment platform verifies the validity of the scan link and initiates user payment when the verification is passed, requesting user authorization.
  • the embodiment of the present application inserts a selection step of a payment channel before requiring user authorization.
  • step S106 after the scan link verification is passed, the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information are sent to the payer terminal to display the order of the order to the payer. Payment information, payment transaction interface and payment activity information for optional payment channels.
  • the payment transaction interface corresponding to the payment channel partner is a startup interface of the payment channel transaction.
  • the payment information is order information that the payer pays attention to, but is not limited to the order number, the order amount, the merchant number, and the product information.
  • the paying party terminal After receiving the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information, the paying party terminal displays the selection interface of the payment channel to the buyer user.
  • FIG. 2 is a schematic diagram of a selection interface of a payment channel provided by an embodiment of the present application. In the schematic diagram, a payment transaction interface including payment channel A and a payment transaction interface of payment channel B are available. The transaction is initiated by clicking on the payment transaction interface, triggering the corresponding payment channel partner to initiate user authorization payment.
  • the payment channel partner includes, but is not limited to, WeChat payment, Alipay payment, and APPLYPay payment.
  • each payment transaction interface synchronously displays the payment activity information of the corresponding payment channel partner, as shown in FIG. 2 .
  • the buyer user does not need to distinguish the payment channel corresponding to the two-dimensional code before scanning the code, and can simultaneously browse different payment activities, select a satisfactory payment channel to complete the transaction, and effectively improve the buyer user.
  • the buyer user does not need to distinguish the payment channel corresponding to the two-dimensional code before scanning the code, and can simultaneously browse different payment activities, select a satisfactory payment channel to complete the transaction, and effectively improve the buyer user.
  • the payment party terminal jumps to the payment interface corresponding to the payment channel partner, and requires the user to input the password information to complete the payment.
  • the payment channel partner returns the payment result information to the server device of the payment platform.
  • the payment method may further include:
  • the RESTful interface is invoked to obtain the payment result information returned by the payment channel partner selected by the payment party after completing the payment transaction, and the payment result information is sent to the payer terminal and the payee terminal.
  • the payee terminal accesses the payment platform, and therefore, the payment result information is returned by the payment platform to the payee terminal or the payer terminal.
  • the server device of the payment platform is further configured to save the payment result information after receiving the payment result information, so that the subsequent user can also query the historical order and the order transaction result through the application corresponding to the payment platform.
  • different payment channels may simultaneously carry out payment activities during the same period.
  • Different payment activities are mainly preferential activities, and the activity rules are different. Users can't quickly find the best payment channel for a variety of payment channels and their payment activities.
  • the payment method includes the steps S301 to S305, wherein the steps S301 to S305 are the same as the steps S101 to S105 described in the embodiment of the present invention.
  • steps S301 to S305 are the same as the steps S101 to S105 described in the embodiment of the present invention.
  • the payment method further includes:
  • step S306 the historical usage data of the different payment channel partners is obtained by combining the payment activity information of the different payment channel partners.
  • step S306 acquires historical data of the payment by the buyer user using the payment channel partner A during the bonus activity, including but not limited to the time of payment, the amount of the bonus for each payment, and the accumulation. The amount of the bonus.
  • the payment activity of a payment channel partner B is a full reduction activity
  • the activity rule is: a certain amount of discount is provided for the first time consumption of the specified amount within a specified time range.
  • step S307 based on the payment information of the current order and the historical usage data of the different payment channel partners, the payment transaction amount required by the different payment channel partners to complete the order is predicted.
  • the amount of consumption in this order information is 100 yuan.
  • the payment channel partner B's full reduction activity is 30 yuan for the first time spending 100 yuan in the specified time range. If the order is the first time within the specified time range, then the above payment channel B is used to complete the order.
  • step S308 the payment transaction amount of the different payment channel partners is compared, and the payment channel with the smallest payment transaction amount is selected as the optimal payment channel.
  • the optimal payment channel is a payment channel that satisfies the minimum payment transaction amount under the payment activity. As described above, by comparing the payment transaction amount of the payment channel partner A and the payment channel partner B, the payment transaction partner B can obtain the payment transaction amount smaller, and the payment channel partner B is optimal. Payment channel.
  • step S309 the payment transaction interface corresponding to the optimal payment channel is sent to the payer terminal to guide the payer to complete the order using the optimal payment channel.
  • the embodiment of the present application collects the payment activity information of the payment channel partner, predicts the payment transaction amount required for the completion of the transaction by different payment channels based on the payment activity rule in real time, and pushes the optimal payment channel to the user according to the prediction result.
  • the intelligent push of the optimal payment channel is realized, which facilitates the user to quickly find the best payment method and greatly improves the user experience.
  • the size of the serial number of each step does not mean the order of execution order, and the order of execution of each step should be determined by its function and internal logic, and should not constitute any implementation process of the embodiment of the present application. limited.
  • the storage medium may be a read only memory, a magnetic disk or an optical disk, or the like.
  • FIG. 4 is a structural diagram of a payment apparatus provided by an embodiment of the present application. For convenience of description, only parts related to the embodiment of the present application are shown.
  • the payment device is used to implement the payment method described in the foregoing embodiments of FIG. 1 and FIG. 3, and may be a software unit, a hardware unit, or a combination of software and hardware built in the terminal.
  • server devices including but not limited to servers and computers.
  • the payment device includes:
  • the order obtaining module 41 is configured to: when receiving the calling request of the two-dimensional code generating interface, acquire the order information that is received by the payee terminal in the calling request;
  • the channel obtaining module 42 is configured to invoke the RESTful interface to obtain the payment channel partner and the pushed payment activity information;
  • the link generation module 43 is configured to generate a two-dimensional code link according to the order information, the payment channel partner, and the payment activity information thereof;
  • the information sending module 44 is configured to generate unique two-dimensional code information according to the two-dimensional code link, and send the two-dimensional code information to the payee terminal, so that the payment direction party displays the two-dimensional code information;
  • the verification module 45 is configured to obtain a scan link submitted by the payment party terminal after scanning the two-dimensional code information, and verify the scan link;
  • the channel sending module 46 is configured to send the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information to the payer terminal after the scan link verification is passed, to present the payment party to the payer Payment information for the order, payment transaction interface for the optional payment channel, and payment activity information.
  • the payee terminal is a merchant back-end system, such as a cashier device and a system thereof.
  • the order information includes, but is not limited to, an order number, an order amount, a merchant number, an order title, an appliance number, a product information, and a payment scenario.
  • the merchant back-office system receives the order information entered by the merchant to generate an order, and invokes the two-dimensional code generation interface provided by the payment platform to transmit the order information to the payment platform.
  • the two-dimensional code generation interface is a standard HTTP interface, that is, an API based on an HTTP service, which is a specification for interaction between a payment platform and a merchant, and is provided to a merchant to call a two-dimensional code link for generating an order for the payment platform or two.
  • Dimension code information After receiving the order information entered by the merchant, the payee terminal transmits the order information to the two-dimensional code generating interface, and sends a call request data packet to the payment platform according to the format agreed by the two-dimensional code generating interface. .
  • the payment device queries the received data packet according to the preset frequency by the order obtaining module 41, and parses the call request data packet, thereby acquiring the two-dimensional code generation request and the incoming order information of the payee terminal. .
  • the payment channel partner is a payment channel that cooperates with the payment platform.
  • the payment channel partner periodically pushes the latest payment activity information to the payment platform described in the present application.
  • the payment activity information is an introduction information of a payment activity carried out by a payment channel partner, and is encrypted and transmitted by using a RESTful interface.
  • the payment activity information includes, but is not limited to, a full reduction activity and its rules, a bonus activity and its rules, a cashback activity and its rules, a coupon activity, and details thereof.
  • the payment platform may also jointly launch a series of payment promotion activities in conjunction with the payment channel partners.
  • the two-dimensional code link is a pre-payment transaction session link URL of the payment platform.
  • the link generating module 43 After receiving the request, the link generating module 43 generates a pre-payment transaction ticket correspondingly corresponding to the payment channel partner according to the order information, the payment channel partner and the payment activity information, and generates a corresponding pre-payment transaction order. QR code link code_url.
  • the payment platform is an integrated transaction platform that integrates multiple payment channels, that is, the payment platform has completed the handover with multiple payment channels. After accessing the payment platform, the merchant does not need to hand over to multiple payment channels.
  • the payment device can generate a pre-paid transaction session link corresponding to the different payment channels according to the order request of the merchant, thereby realizing a two-dimensional code information binding multiple payment channels, thereby effectively reducing the investment of the merchant on the payment channel. the cost of.
  • the information transmitting module 44 generates unique two-dimensional code information based on the two-dimensional code link and transmits it to the payee terminal.
  • the process of generating the two-dimensional code information is a prior art, and details are not described herein again.
  • the recipient terminal obtains the QR code information
  • the merchant provides the QR code information to the buyer for scanning.
  • the buyer user may initiate the payment by scanning the two-dimensional code through the application corresponding to the payment platform, or may scan the two-dimensional code to start the payment by using an application corresponding to the payment channel partner.
  • the server device of the payment platform may also return only the two-dimensional code link to the payee terminal, and the payee terminal automatically generates a unique two-dimensional according to the two-dimensional code link. Code information. Therefore, the payment device may further include:
  • a link sending module 47 configured to return the two-dimensional code link to the payee terminal, so that the payee terminal generates unique two-dimensional code information according to the two-dimensional code link and presents the two to the payer Dimension code information.
  • the buyer user uses the payment party terminal scan code, including but not limited to the application scanning code corresponding to the payment channel partner, and the corresponding scanning program of the payment platform, after the scanning code is completed,
  • the payer terminal submits a scan link to the server device of the payment platform; the verification module 45 verifies the validity of the scan link, and initiates user payment when the verification is passed, requesting user authorization.
  • the embodiment of the present application inserts a selection step of a payment channel before requiring user authorization.
  • the channel sending module 46 sends the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information of each payment transaction interface to the payer terminal.
  • the payment transaction interface corresponding to the payment channel partner is a startup interface of the payment channel transaction.
  • the paying party terminal displays the payment transaction interface corresponding to each payment channel partner
  • the payment party terminal also synchronously displays the payment activity information of the corresponding payment channel partner.
  • the payment party terminal jumps to the payment interface corresponding to the payment channel partner, and requires the user to input the password information to complete the payment.
  • the payment channel partner returns the payment result information to the server device of the payment platform.
  • the payment device may further include:
  • the payment result sending module 48 is configured to invoke the RESTful interface to obtain the payment result information returned by the payment channel partner selected by the payment party after completing the payment transaction, and send the payment result information to the payer terminal and the payee terminal.
  • the server device of the payment platform may further save the payment result information, so that the subsequent user can also query the order information through the application corresponding to the payment platform. And the order transaction results.
  • different payment channels may simultaneously perform payment activities, and different payment activities are mainly preferential activities, and the activity rules are different. Users can't quickly find the best payment channel for a variety of payment channels and their payment activities.
  • the payment device described in the embodiment of the present application further includes:
  • the historical data obtaining module 49 is configured to obtain historical usage data of different payment channel partners by combining payment activity information of different payment channel partners;
  • the forecasting module 410 is configured to predict, according to the payment information of the current order and the historical usage data of the different payment channel partners, the amount of payment transactions required by the different payment channel partners to complete the order;
  • the comparison module 411 is configured to compare the payment transaction amount of the different payment channel partners, and select the payment channel with the smallest payment transaction amount as the optimal payment channel;
  • the channel recommendation module 412 is configured to send the payment transaction interface corresponding to the optimal payment channel to the payer terminal to guide the payer to complete the order using the optimal payment channel.
  • the embodiment of the present application collects the payment activity information of the payment channel partner, predicts the payment transaction amount required for the completion of the transaction by different payment channels based on the payment activity rule in real time, and pushes the optimal to the user according to the prediction result.
  • the payment channel realizes the intelligent push of the optimal payment channel, which facilitates the user to quickly find the best payment method and greatly enhances the user experience.
  • the terminal in the embodiment of the present application may be used to implement all the technical solutions in the foregoing method embodiments. It will be clearly understood by those skilled in the art that, for convenience and brevity of description, only the division of each functional unit and module described above is exemplified. In practical applications, the above functions may be assigned to different functional units according to needs.
  • the module is completed by dividing the internal structure of the device into different functional units or modules to perform all or part of the functions described above.
  • FIG. 5 is a schematic diagram of a terminal according to an embodiment of the present application.
  • the terminal 5 of this embodiment includes a processor 50, a memory 51, and computer readable instructions 52 stored in the memory 51 and executable on the processor 50.
  • the processor 50 executes the computer readable instructions 52, the steps in the foregoing payment method embodiment are implemented, such as steps S101 to S106 shown in FIG. 1 and steps S301 to S309 shown in FIG. 3.
  • the processor 50 when executing the computer readable instructions 52, implements the functions of the various modules/units in the above described payment device embodiment, such as the functions of the modules 41 through 412 shown in FIG.
  • the processor 50 may be a central processing unit (CPU), or may be other general-purpose processors, a digital signal processor (DSP), an application specific integrated circuit (ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware components, etc.
  • the general purpose processor may be a microprocessor or the processor or any conventional processor or the like, which is a control center of the terminal, and connects various parts of the entire terminal using various interfaces and lines.
  • the memory 51 can be used to store the computer readable instructions and/or modules by running or executing computer readable instructions and/or modules stored in the memory, and recalling data stored in the memory Implementing various functions of the terminal.
  • the memory may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application required for at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may be stored. Data created based on the use of the terminal, etc.
  • the memory may include a high-speed random access memory, and may also include non-volatile memory such as a hard disk, a memory, a plug-in hard disk, a smart memory card (SMC), and a secure digital card (Secure Digital, SD). , Flash Card, at least one disk storage device, flash memory device, or other volatile solid-state storage device.
  • non-volatile memory such as a hard disk, a memory, a plug-in hard disk, a smart memory card (SMC), and a secure digital card (Secure Digital, SD).
  • SD Secure Digital
  • Flash Card at least one disk storage device, flash memory device, or other volatile solid-state storage device.
  • non-volatile readable storage media storing computer readable instructions may comprise: any entity or device capable of carrying the computer readable instructions, a recording medium, a USB flash drive, a mobile hard drive, a magnetic Discs, optical discs, computer memories, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier signals, telecommunications signals, and software distribution media.

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Abstract

The present application is applicable to the technical field of communications and provides a payment method and apparatus, a storage medium and a terminal. The method comprises: when an invoking request of a quick response code generation interface is received, acquiring order information, a payment channel partner and payment activity information pushed thereby; according to the order information, the payment channel partner and the payment activity information, generating a quick response code link; according to the quick response code link, generating unique quick response code information, and sending the quick response code information to a payee terminal; and acquiring a scan link submitted by a payer terminal after scanning the quick response code information, and after the scan link passes the verification, sending the order information, a payment transaction interface corresponding to the payment channel partner, and the payment activity information to the payer terminal. The embodiments of the present application bind one piece of quick response code information with a plurality of payment channels, so that a merchant need not access different payment channels, and a buyer need not distinguish quick response codes before scanning the codes and can synchronously browse different payment activities.

Description

支付方法、装置、存储介质及终端Payment method, device, storage medium and terminal
本申请以2017年07月28日提交的申请号为201710627477.6，名称为“支付方法、装置、存储介质及终端”的中国发明专利申请为基础，并要求其优先权。This application is based on the Chinese Patent Application No. 201710627477.6 filed on July 28, 2017, entitled "Payment Method, Apparatus, Storage Medium, and Terminal", and requires priority.
技术领域Technical field
本申请属于通信技术领域，尤其涉及一种支付方法、装置、存储介质及终端。The present application belongs to the field of communications technologies, and in particular, to a payment method, device, storage medium, and terminal.
背景技术Background technique
二维码支付是移动支付的一种形式，是指利用二维码远程访问支付***，并提交支付指令的支付方式。用户通过手机客户端扫描商家提供的二维码，便可实现与商家进行支付结算。然而，在线下当面付模式中，基于支付渠道相互之间的竞争关系，不同的支付渠道分别采用独立的二维码，商家需要预先对接各个不同的支付渠道，准备多个二维码；而用户在支付时则需要先分辨二维码，采用对应的支付渠道应用程序进行扫码才能够完成支付交易。进一步地，不同的支付渠道也会存在不同的支付活动，针对多种多样的支付渠道及其支付活动，用户无法快速找到最佳的支付渠道，容易错过支付渠道提供的支付活动信息。Two-dimensional code payment is a form of mobile payment, which refers to a payment method that uses a two-dimensional code to remotely access a payment system and submit a payment instruction. The user can perform payment settlement with the merchant by scanning the QR code provided by the merchant through the mobile client. However, in the online pay-as-you-go mode, based on the competition relationship between the payment channels, different payment channels respectively adopt independent two-dimensional codes, and the merchant needs to pre-connect various payment channels to prepare multiple two-dimensional codes; When paying, you need to distinguish the QR code first, and use the corresponding payment channel application to scan the code to complete the payment transaction. Further, different payment channels may also have different payment activities. For a variety of payment channels and payment activities, users cannot quickly find the best payment channel, and easily miss the payment activity information provided by the payment channel.
发明内容Summary of the invention
本申请实施例提供了一种支付方法、装置、存储介质及终端，以解决现有的二维码支付方式需要商家接入不同的支付渠道、买家分辨不同的支付渠道对应的二维码的问题。The embodiment of the present application provides a payment method, device, storage medium and terminal, so as to solve the existing two-dimensional code payment method, the merchant needs to access different payment channels, and the buyer distinguishes the two-dimensional code corresponding to different payment channels. problem.
所述支付方法包括：The payment method includes:
当接收到二维码生成接口的调用请求时，获取所述调用请求中由收款方终端传入的订单信息；Obtaining the order information introduced by the payee terminal in the call request when receiving the call request of the two-dimensional code generating interface;
调用RESTful接口，获取支付渠道合作方及其推送的支付活动信息；Calling the RESTful interface to obtain payment channel partners and their pushed payment activity information;
根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接；Generating a two-dimensional code link according to the order information, the payment channel partner, and the payment activity information thereof;
根据所述二维码链接生成唯一的二维码信息，将所述二维码信息发送至收款方终端，以供收款方向付款方展示该二维码信息；Generating the unique two-dimensional code information according to the two-dimensional code link, and sending the two-dimensional code information to the payee terminal, so that the payment direction display the two-dimensional code information;
获取付款方终端扫描所述二维码信息后提交的扫描链接，验证所述扫描链接；Obtaining a scan link submitted by the payer terminal after scanning the two-dimensional code information, and verifying the scan link;
在所述扫描链接验证通过后，将所述订单信息、支付渠道合作方对应的支付交易接口 和支付活动信息发送至所述付款方终端，以向付款方展示本次订单的支付信息、可选用的支付渠道的支付交易接口和支付活动信息。After the verification of the scan link is passed, the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information are sent to the payer terminal to display the payment information of the order to the payer, and may be used. Payment transaction interface and payment activity information for the payment channel.
进一步地，在所述扫描链接验证通过后，所述支付方法包括：Further, after the scan link verification is passed, the payment method includes:
结合不同支付渠道合作方的支付活动信息，获取不同支付渠道合作方的历史使用数据；Combine the payment activity information of different payment channel partners to obtain historical usage data of different payment channel partners;
根据本次订单的支付信息和不同支付渠道合作方的历史使用数据，预测不同支付渠道合作方完成本次订单时所需的支付交易额；According to the payment information of this order and the historical usage data of different payment channel partners, predict the payment transaction amount required by different payment channel partners to complete this order;
比较所述不同支付渠道合作方的支付交易额，选取支付交易额最小的支付渠道作为最优支付渠道；Comparing the payment transaction amount of the different payment channel partners, and selecting the payment channel with the smallest payment transaction amount as the optimal payment channel;
将所述最优支付渠道对应的支付交易接口发送至所述付款方终端，以引导付款方使用该最优支付渠道完成本次订单。Sending a payment transaction interface corresponding to the optimal payment channel to the payer terminal to guide the payer to complete the order using the optimal payment channel.
进一步地，所述支付方法还包括：Further, the payment method further includes:
调用RESTful接口获取付款方所选的支付渠道合作方在完成支付交易后返回的支付结果信息，将所述支付结果信息发送至付款方终端、收款方终端。The RESTful interface is invoked to obtain the payment result information returned by the payment channel partner selected by the payment party after completing the payment transaction, and the payment result information is sent to the payer terminal and the payee terminal.
进一步地，在根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接后，所述支付方法还包括：Further, after the two-dimensional code link is generated according to the order information, the payment channel partner, and the payment activity information, the payment method further includes:
将所述二维码链接返回至收款方终端，以使得所述收款方终端根据所述二维码链接生成唯一的二维码信息并向付款方展示该二维码信息。The two-dimensional code link is returned to the payee terminal such that the payee terminal generates unique two-dimensional code information according to the two-dimensional code link and presents the two-dimensional code information to the payer.
进一步地，所述根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接包括：Further, the generating the QR code link according to the order information, the payment channel partner, and the payment activity information thereof includes:
根据所述订单信息、支付渠道合作方及其支付活动信息生成所述支付渠道合作方共同对应的预支付交易单；Generating, according to the order information, the payment channel partner and the payment activity information, a pre-payment transaction form jointly corresponding to the payment channel partner;
生成所述预支付交易单对应的二维码链接。Generating a two-dimensional code link corresponding to the pre-paid transaction slip.
本申请实施例还提供了一种支付装置，所述支付装置包括：The embodiment of the present application further provides a payment device, where the payment device includes:
订单获取模块，用于当接收到二维码生成接口的调用请求时，获取所述调用请求中由收款方终端传入的订单信息；An order obtaining module, configured to acquire, when the call request of the two-dimensional code generating interface is received, the order information input by the payee terminal in the calling request;
渠道获取模块，用于调用RESTful接口，获取支付渠道合作方及其推送的支付活动信息；a channel acquisition module, configured to invoke a RESTful interface to obtain payment channel partners and their pushed payment activity information;
链接生成模块，用于根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接；a link generation module, configured to generate a QR code link according to the order information, the payment channel partner, and the payment activity information thereof;
信息发送模块，用于根据所述二维码链接生成唯一的二维码信息，将所述二维码信息发送至收款方终端，以供收款方向付款方展示该二维码信息；An information sending module, configured to generate unique two-dimensional code information according to the two-dimensional code link, and send the two-dimensional code information to a payee terminal, so that the payment direction display the two-dimensional code information;
验证模块，用于获取付款方终端扫描所述二维码信息后提交的扫描链接，验证所述扫描链接；a verification module, configured to obtain a scan link submitted by the payment party terminal after scanning the two-dimensional code information, and verify the scan link;
渠道发送模块，用于在所述扫描链接验证通过后，将所述订单信息、支付渠道合作方对应的支付交易接口和支付活动信息发送至所述付款方终端，以向付款方展示本次订单的支付信息、可选用的支付渠道的支付交易接口和支付活动信息。a channel sending module, configured to send the order information, a payment transaction interface corresponding to a payment channel partner, and payment activity information to the payer terminal after the scan link verification is passed, to display the order to the payer Payment information, payment transaction interface and payment activity information for optional payment channels.
进一步地，在所述扫描链接验证通过后，所述支付装置包括：Further, after the scan link verification is passed, the payment device includes:
历史数据获取模块，用于结合不同支付渠道合作方的支付活动信息，获取不同支付渠道合作方的历史使用数据；The historical data acquisition module is configured to combine the payment activity information of different payment channel partners to obtain historical usage data of different payment channel partners;
预测模块，用于根据本次订单的支付信息和不同支付渠道合作方的历史使用数据，预测不同支付渠道合作方完成本次订单时所需的支付交易额；The prediction module is configured to predict the amount of payment transactions required by the different payment channel partners to complete the order according to the payment information of the order and the historical usage data of the different payment channel partners;
比较模块，用于比较所述不同支付渠道合作方的支付交易额，选取支付交易额最小的支付渠道作为最优支付渠道；a comparison module, configured to compare the payment transaction amount of the different payment channel partners, and select a payment channel with the smallest payment transaction amount as the optimal payment channel;
渠道推荐模块，用于将所述最优支付渠道对应的支付交易接口发送至所述付款方终端，以引导付款方使用该最优支付渠道完成本次订单。And a channel recommendation module, configured to send the payment transaction interface corresponding to the optimal payment channel to the payer terminal, to guide the payer to use the optimal payment channel to complete the order.
进一步地，所述支付装置还包括：Further, the payment device further includes:
支付结果发送模块，用于调用RESTful接口获取付款方所选的支付渠道合作方在完成支付交易后返回的支付结果信息，将所述支付结果信息发送至付款方终端、收款方终端。The payment result sending module is configured to invoke the RESTful interface to obtain the payment result information returned by the payment channel partner selected by the payment party after completing the payment transaction, and send the payment result information to the payer terminal and the payee terminal.
进一步地，所述支付装置还包括：Further, the payment device further includes:
链接发送模块，用于将所述二维码链接返回至收款方终端，以使得所述收款方终端根据所述二维码链接生成唯一的二维码信息并向付款方展示该二维码信息。a link sending module, configured to return the two-dimensional code link to the payee terminal, so that the payee terminal generates unique two-dimensional code information according to the two-dimensional code link and displays the two-dimensional code to the payer Code information.
进一步地，所述链接生成模块用于：Further, the link generation module is configured to:
根据所述订单信息、支付渠道合作方及其支付活动信息生成所述支付渠道合作方共同对应的预支付交易单；Generating, according to the order information, the payment channel partner and the payment activity information, a pre-payment transaction form jointly corresponding to the payment channel partner;
生成所述预支付交易单对应的二维码链接。Generating a two-dimensional code link corresponding to the pre-paid transaction slip.
本申请实施例还提供了一个或多个存储有计算机可读指令的非易失性可读存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行如下步骤：The embodiment of the present application further provides one or more non-volatile readable storage media storing computer readable instructions, when the computer readable instructions are executed by one or more processors, such that the one or more The processor performs the following steps:
当接收到二维码生成接口的调用请求时，获取所述调用请求中由收款方终端传入的订单信息；Obtaining the order information introduced by the payee terminal in the call request when receiving the call request of the two-dimensional code generating interface;
调用RESTful接口，获取支付渠道合作方及其推送的支付活动信息；Calling the RESTful interface to obtain payment channel partners and their pushed payment activity information;
根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接；Generating a two-dimensional code link according to the order information, the payment channel partner, and the payment activity information thereof;
根据所述二维码链接生成唯一的二维码信息，将所述二维码信息发送至收款方终端，以供收款方向付款方展示该二维码信息；Generating the unique two-dimensional code information according to the two-dimensional code link, and sending the two-dimensional code information to the payee terminal, so that the payment direction display the two-dimensional code information;
获取付款方终端扫描所述二维码信息后提交的扫描链接，验证所述扫描链接；Obtaining a scan link submitted by the payer terminal after scanning the two-dimensional code information, and verifying the scan link;
在所述扫描链接验证通过后，将所述订单信息、支付渠道合作方对应的支付交易接口和支付活动信息发送至所述付款方终端，以向付款方展示本次订单的支付信息、可选用的支付渠道的支付交易接口和支付活动信息。After the verification of the scan link is passed, the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information are sent to the payer terminal to display the payment information of the order to the payer, and may be used. Payment transaction interface and payment activity information for the payment channel.
本申请实施例还提供了一种终端，包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机可读指令，所述处理器执行所述计算机可读指令时实现以下步骤：The embodiment of the present application further provides a terminal, including a memory, a processor, and computer readable instructions stored on the memory and executable on the processor, and the processor implements the following steps when the computer readable instructions are executed:
当接收到二维码生成接口的调用请求时，获取所述调用请求中由收款方终端传入的订单信息；Obtaining the order information introduced by the payee terminal in the call request when receiving the call request of the two-dimensional code generating interface;
调用RESTful接口，获取支付渠道合作方及其推送的支付活动信息；Calling the RESTful interface to obtain payment channel partners and their pushed payment activity information;
根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接；Generating a two-dimensional code link according to the order information, the payment channel partner, and the payment activity information thereof;
根据所述二维码链接生成唯一的二维码信息，将所述二维码信息发送至收款方终端，以供收款方向付款方展示该二维码信息；Generating the unique two-dimensional code information according to the two-dimensional code link, and sending the two-dimensional code information to the payee terminal, so that the payment direction display the two-dimensional code information;
获取付款方终端扫描所述二维码信息后提交的扫描链接，验证所述扫描链接；Obtaining a scan link submitted by the payer terminal after scanning the two-dimensional code information, and verifying the scan link;
在所述扫描链接验证通过后，将所述订单信息、支付渠道合作方对应的支付交易接口和支付活动信息发送至所述付款方终端，以向付款方展示本次订单的支付信息、可选用的支付渠道的支付交易接口和支付活动信息。After the verification of the scan link is passed, the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information are sent to the payer terminal to display the payment information of the order to the payer, and may be used. Payment transaction interface and payment activity information for the payment channel.
本申请的一个或多个实施例的细节在下面的附图及描述中提出。本申请的其他特征和优点将从说明书、附图以及权利要求书变得明显。Details of one or more embodiments of the present application are set forth in the accompanying drawings and description below. Other features and advantages of the present invention will be apparent from the description, drawings and claims.
附图说明DRAWINGS
为了更清楚地说明本申请实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他附图。In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings to be used in the embodiments or the prior art description will be briefly described below. Obviously, the drawings in the following description are only It is a certain embodiment of the present application, and other drawings can be obtained according to the drawings without any creative work for those skilled in the art.
图1是本申请实施例提供的支付方法的第一实现流程图；1 is a first implementation flowchart of a payment method provided by an embodiment of the present application;
图2是本申请实施例提供的支付渠道的选择界面示意图；2 is a schematic diagram of a selection interface of a payment channel provided by an embodiment of the present application;
图3是本申请实施例提供的支付方法的第二实现流程图；3 is a second implementation flowchart of a payment method provided by an embodiment of the present application;
图4是本申请实施例提供的支付装置的组成结构图；4 is a structural diagram of a structure of a payment apparatus according to an embodiment of the present application;
图5是本申请实施例提供的终端的示意图。FIG. 5 is a schematic diagram of a terminal provided by an embodiment of the present application.
具体实施方式Detailed ways
为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。In order to make the objects, technical solutions, and advantages of the present application more comprehensible, the present application will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting.
图1示出了本申请实施例提供的支付方法的第一实现流程。FIG. 1 shows a first implementation flow of a payment method provided by an embodiment of the present application.
在本申请实施例中，所述支付方法应用于终端，所述终端为支付平台的服务端设备，包括但不限于服务器和计算机。所述支付平台为整合多个支付渠道的综合交易平台，能够提供多个不同支付渠道合作方的支付交易接口。In the embodiment of the present application, the payment method is applied to a terminal, and the terminal is a server device of a payment platform, including but not limited to a server and a computer. The payment platform is an integrated transaction platform integrating multiple payment channels, and can provide payment transaction interfaces of a plurality of different payment channel partners.
参阅图1，所述支付方法包括：Referring to FIG. 1, the payment method includes:
在步骤S101中，当接收到二维码生成接口的调用请求时，获取所述调用请求中由收款方终端传入的订单信息。In step S101, when the call request of the two-dimensional code generation interface is received, the order information introduced by the payee terminal in the call request is acquired.
在本申请实施例中，所述收款方终端为商家后台***，比如收银台设备及其***。所述订单信息包括但不限于订单编号、订单金额、商户号、订单标题、器具号、商品信息、支付场景。商家后台***接收商家录入的订单信息以生成订单，并调用支付平台提供的二维码生成接口将所述订单信息传给支付平台。在这里，所述二维码生成接口为标准HTTP接口，即基于HTTP服务的API，是支付平台与商家之间交互的规范，为支付平台提供给商家调用以生成订单的二维码链接或者二维码信息。在接收到商家录入的订单信息后，收款方终端将所述订单信息传入所述二维码生成接口，按照所述二维码生成接口约定的格式向所述支付平台发送调用请求数据包。所述支付平台按照预设频率查询所接收到的数据包，解析所述调用请求数据包，从而获取所述二维码生成请求及收款方终端传入订单信息。In the embodiment of the present application, the payee terminal is a merchant back-end system, such as a cashier device and a system thereof. The order information includes, but is not limited to, an order number, an order amount, a merchant number, an order title, an appliance number, a product information, and a payment scenario. The merchant back-office system receives the order information entered by the merchant to generate an order, and invokes the two-dimensional code generation interface provided by the payment platform to transmit the order information to the payment platform. Here, the two-dimensional code generation interface is a standard HTTP interface, that is, an API based on an HTTP service, which is a specification for interaction between a payment platform and a merchant, and is provided to a merchant to call a two-dimensional code link for generating an order for the payment platform or two. Dimension code information. After receiving the order information entered by the merchant, the payee terminal transmits the order information to the two-dimensional code generating interface, and sends a call request data packet to the payment platform according to the format agreed by the two-dimensional code generating interface. . The payment platform queries the received data packet according to a preset frequency, and parses the call request data packet, thereby acquiring the two-dimensional code generation request and the cashier terminal incoming order information.
在步骤S102中，调用RESTful接口，获取支付渠道合作方及其推送的支付活动信息。In step S102, the RESTful interface is invoked to obtain the payment channel partner and the pushed payment activity information.
在这里，所述支付渠道合作方为与所述支付平台合作的支付渠道。所述支付渠道合作方定时地向本申请所述的支付平台推送最新的支付活动信息。所述支付活动信息为支付渠道合作方开展的支付活动介绍信息，采用RESTful接口加密传输。可选地，所述支付活动信息包括但不限于满减活动及其细则、奖励金活动及其细则、返现活动及其细则、优惠券活动及其细则。可选地，所述支付平台也可以联合这些支付渠道合作方推出一系列的支付优惠活动。在这里，REST是Representational State Transfer的缩写，中文名称为表述性状态传递，是一种软件架构风格，包括架构约束条件和原则，描述了在网络中客户端client与服务器server之间的交互方式。RESTful则指的是符合REST风格的网络接口。本申请实施例在支付平台 上使用RESTful接口来与支付渠道合作方交互通信，有利于规范不同支付渠道合作方的数据请求方式，便于支付平台后期维护所获取到的支付活动信息。Here, the payment channel partner is a payment channel that cooperates with the payment platform. The payment channel partner periodically pushes the latest payment activity information to the payment platform described in the present application. The payment activity information is an introduction information of a payment activity carried out by a payment channel partner, and is encrypted and transmitted by using a RESTful interface. Optionally, the payment activity information includes, but is not limited to, a full reduction activity and its rules, a bonus activity and its rules, a cashback activity and its rules, a coupon activity, and a detailed rule thereof. Optionally, the payment platform may also jointly launch a series of payment promotion activities in conjunction with the payment channel partners. Here, REST is the abbreviation of Representational State Transfer. The Chinese name is a representational state transfer. It is a software architecture style, including architectural constraints and principles, and describes the interaction between the client client and the server server in the network. RESTful refers to a RESTful network interface. The embodiment of the present application uses the RESTful interface to interact with the payment channel partner on the payment platform, which is beneficial to standardizing the data request mode of different payment channel partners, and is convenient for the payment activity information acquired by the platform for later maintenance.
在步骤S103中，根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接。In step S103, a two-dimensional code link is generated according to the order information, the payment channel partner and its payment activity information.
在这里，所述二维码链接为支付平台的预支付交易会话链接URL。在本申请实施例中，支付平台的服务端设备接收到请求后，根据订单信息、支付渠道合作方及其支付活动信息生成所述支付渠道合作方共同对应的一个预支付交易单，并生成所述预支付交易单对应的二维码链接code_url。如前所述，所述支付平台为整合多个支付渠道的综合交易平台，即所述支付平台已完成与多个支付渠道的交接。在接入本申请提供的支付平台后，商家无需再和多个支付渠道交接。所述支付平台的服务端设备能够根据商家的订单请求生成所述不同支付渠道对应的预支付交易会话链接，从而实现了一个二维码信息绑定多个支付渠道，有效地降低了商家在支付渠道上所投入的成本。Here, the two-dimensional code link is a pre-paid transaction session link URL of the payment platform. In the embodiment of the present application, after receiving the request, the server device of the payment platform generates a pre-payment transaction ticket corresponding to the payment channel partner according to the order information, the payment channel partner and the payment activity information, and generates a The QR code link code_url corresponding to the prepaid payment order. As described above, the payment platform is an integrated transaction platform that integrates multiple payment channels, that is, the payment platform has completed the handover with multiple payment channels. After accessing the payment platform provided by the application, the merchant does not need to hand over to multiple payment channels. The server device of the payment platform can generate a pre-paid transaction session link corresponding to the different payment channels according to the order request of the merchant, thereby realizing a two-dimensional code information binding multiple payment channels, effectively reducing the payment of the merchant. The cost invested in the channel.
在步骤S104中，根据所述二维码链接生成唯一的二维码信息，将所述二维码信息发送至收款方终端，以供收款方向付款方展示该二维码信息。In step S104, unique two-dimensional code information is generated according to the two-dimensional code link, and the two-dimensional code information is sent to the payee terminal for the payment direction to display the two-dimensional code information.
其中，根据所述二维码链接生成二维码信息为现有技术，可参见酷壳网陈皓于2013年10月29日发布的文章《二维码的生成细节和原理》，此处不再赘述。在收款方终端获取到二维码信息之后，商家将所述二维码信息提供给买家用户扫描。买家用户可以通过本申请所述的支付平台对应的应用程序提供的扫描功能扫描所述二维码来启动支付，也可以采用任一支付渠道合作方对应的应用程序的扫描功能扫描所述二维码来启动支付。Wherein, generating the two-dimensional code information according to the two-dimensional code link is a prior art, and may refer to the article “Details and Principles of Generation of Two-Dimensional Codes” published by Chen Wei on October 29, 2013. Let me repeat. After the recipient terminal obtains the QR code information, the merchant provides the QR code information to the buyer user for scanning. The buyer user may scan the two-dimensional code to start the payment by using the scanning function provided by the application corresponding to the payment platform described in the application, or scan the two by using the scanning function of the application corresponding to any payment channel partner. The code is used to initiate payment.
可选地，在实际的传输过程中，支付平台服务端设备也可以只将二维码链接返回至收款方终端，由收款方终端自动根据所述二维码链接生成唯一的二维码信息。因此，在根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接后，所述支付方法还可以包括：Optionally, in the actual transmission process, the payment platform server device may also return only the two-dimensional code link to the payee terminal, and the payee terminal automatically generates a unique two-dimensional code according to the two-dimensional code link. information. Therefore, after the two-dimensional code link is generated according to the order information, the payment channel partner, and the payment activity information, the payment method may further include:
将所述二维码链接返回至收款方终端，以使得所述收款方终端根据所述二维码链接生成唯一的二维码信息并向付款方展示该二维码信息。The two-dimensional code link is returned to the payee terminal such that the payee terminal generates unique two-dimensional code information according to the two-dimensional code link and presents the two-dimensional code information to the payer.
在步骤S105中，获取付款方终端扫描所述二维码信息后提交的扫描链接，验证所述扫描链接。In step S105, a scan link submitted by the payer terminal after scanning the two-dimensional code information is obtained, and the scan link is verified.
在这里，买家用户使用付款方终端扫码，包括但不限于使用支付渠道合作方对应的应用程序扫码、支付平台对应的应该用程序扫码，则在扫码完后，所述付款方终端会向支付平台的服务端设备提交扫描链接。所述扫描链接为付款方终端在扫描二维码后向支付平台提交的数据包，所述数据包中包括但不限于订单信息、付款方信息。支付平台的服务端设备验证 所述扫描链接的有效性，并在验证通过时发起用户支付，要求用户授权。与现有技术不同，在要求用户授权前，本申请实施例***了支付渠道的选择步骤。Here, the buyer user uses the payer terminal scan code, including but not limited to the application scan code corresponding to the payment channel partner, and the program scanning code corresponding to the payment platform, after the scan code is completed, the payer The terminal submits a scan link to the server device of the payment platform. The scan link is a data packet submitted by the payer terminal to the payment platform after scanning the two-dimensional code, and the data package includes but is not limited to order information and payer information. The server device of the payment platform verifies the validity of the scan link and initiates user payment when the verification is passed, requesting user authorization. Unlike the prior art, the embodiment of the present application inserts a selection step of a payment channel before requiring user authorization.
在步骤S106中，在所述扫描链接验证通过后，将所述订单信息、支付渠道合作方对应的支付交易接口和支付活动信息发送至所述付款方终端，以向付款方展示本次订单的支付信息、可选用的支付渠道的支付交易接口和支付活动信息。In step S106, after the scan link verification is passed, the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information are sent to the payer terminal to display the order of the order to the payer. Payment information, payment transaction interface and payment activity information for optional payment channels.
在这里，所述支付渠道合作方对应的支付交易接口为支付渠道交易的启动接口。所述支付信息为付款方关注的订单信息，但不限于订单编号、订单金额、商户号、商品信息。付款方终端在接收到所述订单信息、支付渠道合作方对应的支付交易接口和支付活动信息后，向买方用户显示支付渠道的选择界面。图2示出了本申请实施例提供的支付渠道的选择界面示意图，在所述示意图中，包括支付渠道A的支付交易接口、支付渠道B的支付交易接口……买家用户可以通过在选用的支付交易接口上以点选的方式启动交易，触发对应的支付渠道合作方发起用户授权支付。可选地，所述支付渠道合作方包括但不限于微信支付、支付宝支付、APPLYPay支付。在本申请实施例中，每一个支付交易接口同步显示了对应的支付渠道合作方的支付活动信息，可参阅图2所示。Here, the payment transaction interface corresponding to the payment channel partner is a startup interface of the payment channel transaction. The payment information is order information that the payer pays attention to, but is not limited to the order number, the order amount, the merchant number, and the product information. After receiving the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information, the paying party terminal displays the selection interface of the payment channel to the buyer user. FIG. 2 is a schematic diagram of a selection interface of a payment channel provided by an embodiment of the present application. In the schematic diagram, a payment transaction interface including payment channel A and a payment transaction interface of payment channel B are available. The transaction is initiated by clicking on the payment transaction interface, triggering the corresponding payment channel partner to initiate user authorization payment. Optionally, the payment channel partner includes, but is not limited to, WeChat payment, Alipay payment, and APPLYPay payment. In the embodiment of the present application, each payment transaction interface synchronously displays the payment activity information of the corresponding payment channel partner, as shown in FIG. 2 .
通过本申请实施例，买家用户扫码前无需再分辨二维码对应的支付渠道，且可以同步浏览比对不同的支付活动，选择满意的支付渠道完成交易，有效地提升了买家用户的体验感。Through the embodiment of the present application, the buyer user does not need to distinguish the payment channel corresponding to the two-dimensional code before scanning the code, and can simultaneously browse different payment activities, select a satisfactory payment channel to complete the transaction, and effectively improve the buyer user. Experience.
可选地，在买家用户通过点选的方式触发对应的支付渠道合作方发起用户授权支付后，付款方终端跳转至支付渠道合作方对应的付款界面，要求用户输入密码信息以完成支付。在完成支付后，支付渠道合作方将支付结果信息返回至支付平台的服务端设备。所述支付方法还可以包括：Optionally, after the buyer user triggers the corresponding payment channel partner to initiate the user authorization payment by clicking the method, the payment party terminal jumps to the payment interface corresponding to the payment channel partner, and requires the user to input the password information to complete the payment. After the payment is completed, the payment channel partner returns the payment result information to the server device of the payment platform. The payment method may further include:
调用RESTful接口获取付款方所选的支付渠道合作方在完成支付交易后返回的支付结果信息，将所述支付结果信息发送至付款方终端、收款方终端。The RESTful interface is invoked to obtain the payment result information returned by the payment channel partner selected by the payment party after completing the payment transaction, and the payment result information is sent to the payer terminal and the payee terminal.
在本申请实施例中，收款方终端接入的是支付平台，因此，支付结果信息由支付平台返回给收款方终端或者付款方终端。进一步地，支付平台的服务端设备还能够在接收支付结果信息后，保存所述支付结果信息，以便于后续用户通过所述支付平台对应的应用程序也能够查询到历史订单及订单交易结果。In the embodiment of the present application, the payee terminal accesses the payment platform, and therefore, the payment result information is returned by the payment platform to the payee terminal or the payer terminal. Further, the server device of the payment platform is further configured to save the payment result information after receiving the payment result information, so that the subsequent user can also query the historical order and the order transaction result through the application corresponding to the payment platform.
在实际应用中，同一时期内，不同的支付渠道可能同步开展了支付活动，不同的支付活动主要为优惠活动，且活动规则各不相同。针对多种多样的支付渠道及其支付活动，用户无法快速找到最佳的支付渠道。In practical applications, different payment channels may simultaneously carry out payment activities during the same period. Different payment activities are mainly preferential activities, and the activity rules are different. Users can't quickly find the best payment channel for a variety of payment channels and their payment activities.
鉴于此，基于上述本申请实施例提供的支付方法的第一实现流程，提出本申请实施例 提供的支付方法的第二实现流程。In view of this, based on the first implementation flow of the payment method provided by the embodiment of the present application, a second implementation flow of the payment method provided by the embodiment of the present application is proposed.
所述支付方法包括：步骤S301至步骤S305，其中，步骤S301至步骤S305与图1实施例中所述的步骤S101至步骤S105相同，具体请参见上述实施例的叙述，此处不再赘述。The payment method includes the steps S301 to S305, wherein the steps S301 to S305 are the same as the steps S101 to S105 described in the embodiment of the present invention. For details, refer to the description of the foregoing embodiment, and details are not described herein again.
在所述扫描链接验证通过后，所述支付方法还包括：After the scan link verification is passed, the payment method further includes:
在步骤S306中，结合不同支付渠道合作方的支付活动信息，获取不同支付渠道合作方的历史使用数据。In step S306, the historical usage data of the different payment channel partners is obtained by combining the payment activity information of the different payment channel partners.
示例性地，假设某一支付渠道合作方A的支付活动为奖励金活动时，活动规则为：在第一指定时间范围内累积消费后得到奖励金，在第二指定时间范围内可使用累积的奖励金来抵消首次消费中相应金额。此时，步骤S306获取买家用户在奖励金活动过程中使用所述支付渠道合作方A完成支付的历史数据，所述历史数据包括但不限于支付的时间、每次支付所得奖励金金额、累积的奖励金金额。Illustratively, if the payment activity of a certain payment channel partner A is a bonus activity, the activity rule is: after the accumulated consumption in the first specified time range, the reward is obtained, and the accumulated time is used in the second specified time range. The bonus is used to offset the corresponding amount in the first purchase. At this time, step S306 acquires historical data of the payment by the buyer user using the payment channel partner A during the bonus activity, including but not limited to the time of payment, the amount of the bonus for each payment, and the accumulation. The amount of the bonus.
又，假设某一支付渠道合作方B的支付活动为满减活动，活动规则为：在指定时间范围内首次消费满指定金额则优惠一定的额度。In addition, it is assumed that the payment activity of a payment channel partner B is a full reduction activity, and the activity rule is: a certain amount of discount is provided for the first time consumption of the specified amount within a specified time range.
在步骤S307中，根据本次订单的支付信息和不同支付渠道合作方的历史使用数据，预测不同支付渠道合作方完成本次订单时所需的支付交易额。In step S307, based on the payment information of the current order and the historical usage data of the different payment channel partners, the payment transaction amount required by the different payment channel partners to complete the order is predicted.
假设本次订单信息中的消费金额为100元。上述支付渠道合作方A在第一指定时间范围内的累积的奖励金为20元，则使用该支付渠道合作方A完成本次订单时所需的支付交易额为100-20＝80元；上述支付渠道合作方B的满减活动中为在指定时间范围内首次消费满100元则优惠30元，若本次订单是指定时间范围内的首次消费，则使用上述支付渠道B完成本次订单时所需的支付交易额为100-30＝70元。Assume that the amount of consumption in this order information is 100 yuan. The above-mentioned payment channel partner A's accumulated bonus amount in the first specified time range is 20 yuan, and the payment transaction amount required to complete the order using the payment channel partner A is 100-20=80 yuan; The payment channel partner B's full reduction activity is 30 yuan for the first time spending 100 yuan in the specified time range. If the order is the first time within the specified time range, then the above payment channel B is used to complete the order. The required payment transaction amount is 100-30=70 yuan.
在步骤S308中，比较所述不同支付渠道合作方的支付交易额，选取支付交易额最小的支付渠道作为最优支付渠道。In step S308, the payment transaction amount of the different payment channel partners is compared, and the payment channel with the smallest payment transaction amount is selected as the optimal payment channel.
在本申请实施例中，所述最优支付渠道为满足支付活动下支付交易额最小的支付渠道。如前文所述，通过比较上述支付渠道合作方A和支付渠道合作方B的支付交易额，可以得到支付渠道合作方B的支付交易额更小，则以所述支付渠道合作方B为最优支付渠道。In the embodiment of the present application, the optimal payment channel is a payment channel that satisfies the minimum payment transaction amount under the payment activity. As described above, by comparing the payment transaction amount of the payment channel partner A and the payment channel partner B, the payment transaction partner B can obtain the payment transaction amount smaller, and the payment channel partner B is optimal. Payment channel.
在步骤S309中，将所述最优支付渠道对应的支付交易接口发送至所述付款方终端，以引导付款方使用该最优支付渠道完成本次订单。In step S309, the payment transaction interface corresponding to the optimal payment channel is sent to the payer terminal to guide the payer to complete the order using the optimal payment channel.
本申请实施例通过收集支付渠道合作方的支付活动信息，基于实时下的支付活动规则预测不同支付渠道完成本次交易时所需的支付交易额，并根据预测结果向用户推送最优的支付渠道，实现了对最优支付渠道的智能推送，方便了用户快速找到最佳的支付方式，大大地提升了用户的体验感。The embodiment of the present application collects the payment activity information of the payment channel partner, predicts the payment transaction amount required for the completion of the transaction by different payment channels based on the payment activity rule in real time, and pushes the optimal payment channel to the user according to the prediction result. The intelligent push of the optimal payment channel is realized, which facilitates the user to quickly find the best payment method and greatly improves the user experience.
应理解，在上述实施例中，各步骤的序号的大小并不意味着执行顺序的先后，各步骤的执行顺序应以其功能和内在逻辑确定，而不应对本申请实施例的实施过程构成任何限定。It should be understood that, in the foregoing embodiments, the size of the serial number of each step does not mean the order of execution order, and the order of execution of each step should be determined by its function and internal logic, and should not constitute any implementation process of the embodiment of the present application. limited.
需要说明的是，本领域普通技术人员可以理解实现上述实施例的全部或部分步骤可以通过硬件来完成，也可以通过计算机可读指令来指令相关的硬件完成，所述的计算机可读指令可以存储于一种非易失性可读存储介质中，所述存储介质可以是只读存储器，磁盘或光盘等。It should be noted that those skilled in the art can understand that all or part of the steps of implementing the above embodiments may be completed by hardware, or may be instructed by computer readable instructions, and the computer readable instructions may be stored. In a non-volatile readable storage medium, the storage medium may be a read only memory, a magnetic disk or an optical disk, or the like.
图4示出了本申请实施例提供的支付装置的组成结构图，为了便于说明，仅示出了与本申请实施例相关的部分。FIG. 4 is a structural diagram of a payment apparatus provided by an embodiment of the present application. For convenience of description, only parts related to the embodiment of the present application are shown.
在本申请实施例中，所述支付装置用于实现上述图1、图3实施例中所述的支付方法，可以是内置于终端的软件单元、硬件单元或者软硬件结合的单元，所述终端为服务端设备，包括但不限于服务器和计算机。In the embodiment of the present application, the payment device is used to implement the payment method described in the foregoing embodiments of FIG. 1 and FIG. 3, and may be a software unit, a hardware unit, or a combination of software and hardware built in the terminal. For server devices, including but not limited to servers and computers.
参阅图4，所述支付装置包括：Referring to FIG. 4, the payment device includes:
订单获取模块41，用于当接收到二维码生成接口的调用请求时，获取所述调用请求中由收款方终端传入的订单信息；The order obtaining module 41 is configured to: when receiving the calling request of the two-dimensional code generating interface, acquire the order information that is received by the payee terminal in the calling request;
渠道获取模块42，用于调用RESTful接口，获取支付渠道合作方及其推送的支付活动信息；The channel obtaining module 42 is configured to invoke the RESTful interface to obtain the payment channel partner and the pushed payment activity information;
链接生成模块43，用于根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接；The link generation module 43 is configured to generate a two-dimensional code link according to the order information, the payment channel partner, and the payment activity information thereof;
信息发送模块44，用于根据所述二维码链接生成唯一的二维码信息，将所述二维码信息发送至收款方终端，以供收款方向付款方展示该二维码信息；The information sending module 44 is configured to generate unique two-dimensional code information according to the two-dimensional code link, and send the two-dimensional code information to the payee terminal, so that the payment direction party displays the two-dimensional code information;
验证模块45，用于获取付款方终端扫描所述二维码信息后提交的扫描链接，验证所述扫描链接；The verification module 45 is configured to obtain a scan link submitted by the payment party terminal after scanning the two-dimensional code information, and verify the scan link;
渠道发送模块46，用于在所述扫描链接验证通过后，将所述订单信息、支付渠道合作方对应的支付交易接口和支付活动信息发送至所述付款方终端，以向付款方展示本次订单的支付信息、可选用的支付渠道的支付交易接口和支付活动信息。The channel sending module 46 is configured to send the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information to the payer terminal after the scan link verification is passed, to present the payment party to the payer Payment information for the order, payment transaction interface for the optional payment channel, and payment activity information.
在本申请实施例中，所述收款方终端为商家后台***，比如收银台设备及其***。所述订单信息包括但不限于订单编号、订单金额、商户号、订单标题、器具号、商品信息、支付场景。商家后台***接收商家录入的订单信息以生成订单，并调用支付平台提供的二维码生成接口将所述订单信息传给支付平台。在这里，所述二维码生成接口为标准HTTP接口， 即基于HTTP服务的API，是支付平台与商家之间交互的规范，为支付平台提供给商家调用以生成订单的二维码链接或者二维码信息。在接收到商家录入的订单信息后，收款方终端将所述订单信息传入所述二维码生成接口，按照所述二维码生成接口约定的格式向所述支付平台发送调用请求数据包。所述支付装置则通过所述订单获取模块41按照预设频率查询所接收到的数据包，解析所述调用请求数据包，从而获取所述二维码生成请求及收款方终端传入订单信息。In the embodiment of the present application, the payee terminal is a merchant back-end system, such as a cashier device and a system thereof. The order information includes, but is not limited to, an order number, an order amount, a merchant number, an order title, an appliance number, a product information, and a payment scenario. The merchant back-office system receives the order information entered by the merchant to generate an order, and invokes the two-dimensional code generation interface provided by the payment platform to transmit the order information to the payment platform. Here, the two-dimensional code generation interface is a standard HTTP interface, that is, an API based on an HTTP service, which is a specification for interaction between a payment platform and a merchant, and is provided to a merchant to call a two-dimensional code link for generating an order for the payment platform or two. Dimension code information. After receiving the order information entered by the merchant, the payee terminal transmits the order information to the two-dimensional code generating interface, and sends a call request data packet to the payment platform according to the format agreed by the two-dimensional code generating interface. . The payment device queries the received data packet according to the preset frequency by the order obtaining module 41, and parses the call request data packet, thereby acquiring the two-dimensional code generation request and the incoming order information of the payee terminal. .
所述支付渠道合作方为与支付平台合作的支付渠道。所述支付渠道合作方定时地向本申请所述的支付平台推送最新的支付活动信息。所述支付活动信息为支付渠道合作方开展的支付活动介绍信息，采用RESTful接口加密传输。示例性地，所述支付活动信息包括但不限于满减活动及其细则、奖励金活动及其细则、返现活动及其细则、优惠券活动及其细则。可选地，所述支付平台也可以联合这些支付渠道合作方推出一系列的支付优惠活动。The payment channel partner is a payment channel that cooperates with the payment platform. The payment channel partner periodically pushes the latest payment activity information to the payment platform described in the present application. The payment activity information is an introduction information of a payment activity carried out by a payment channel partner, and is encrypted and transmitted by using a RESTful interface. Illustratively, the payment activity information includes, but is not limited to, a full reduction activity and its rules, a bonus activity and its rules, a cashback activity and its rules, a coupon activity, and details thereof. Optionally, the payment platform may also jointly launch a series of payment promotion activities in conjunction with the payment channel partners.
在本申请实施例中，所述二维码链接为支付平台的预支付交易会话链接URL。在接收到请求后，所述链接生成模块43根据订单信息、支付渠道合作方及其支付活动信息生成所述支付渠道合作方共同对应的一个预支付交易单，并生成所述预支付交易单对应的二维码链接code_url。如前所述，所述支付平台为整合多个支付渠道的综合交易平台，即所述支付平台已完成与多个支付渠道的交接。在接入所述支付平台后，商家无需再和多个支付渠道交接。所述支付装置能够根据商家的订单请求生成所述不同支付渠道对应的预支付交易会话链接，从而实现了一个二维码信息绑定多个支付渠道，有效地降低了商家在支付渠道上所投入的成本。In the embodiment of the present application, the two-dimensional code link is a pre-payment transaction session link URL of the payment platform. After receiving the request, the link generating module 43 generates a pre-payment transaction ticket correspondingly corresponding to the payment channel partner according to the order information, the payment channel partner and the payment activity information, and generates a corresponding pre-payment transaction order. QR code link code_url. As described above, the payment platform is an integrated transaction platform that integrates multiple payment channels, that is, the payment platform has completed the handover with multiple payment channels. After accessing the payment platform, the merchant does not need to hand over to multiple payment channels. The payment device can generate a pre-paid transaction session link corresponding to the different payment channels according to the order request of the merchant, thereby realizing a two-dimensional code information binding multiple payment channels, thereby effectively reducing the investment of the merchant on the payment channel. the cost of.
信息发送模块44根据所述二维码链接生成唯一的二维码信息并发送至收款方终端。其中，二维码信息的生成过程为现有技术，此处不再赘述。在收款方终端获取到二维码信息之后，商家将所述二维码信息提供给买家扫描。买家用户可以通过支付平台对应的应用程序扫描所述二维码来启动支付，也可以采用支付渠道合作方对应的应用程序扫描所述二维码来启动支付。The information transmitting module 44 generates unique two-dimensional code information based on the two-dimensional code link and transmits it to the payee terminal. The process of generating the two-dimensional code information is a prior art, and details are not described herein again. After the recipient terminal obtains the QR code information, the merchant provides the QR code information to the buyer for scanning. The buyer user may initiate the payment by scanning the two-dimensional code through the application corresponding to the payment platform, or may scan the two-dimensional code to start the payment by using an application corresponding to the payment channel partner.
可选地，在实际的传输过程中，支付平台的服务端设备也可以只将二维码链接返回至收款方终端，由收款方终端自动根据所述二维码链接生成唯一的二维码信息。因此，所述支付装置还可以包括：Optionally, in the actual transmission process, the server device of the payment platform may also return only the two-dimensional code link to the payee terminal, and the payee terminal automatically generates a unique two-dimensional according to the two-dimensional code link. Code information. Therefore, the payment device may further include:
链接发送模块47，用于将所述二维码链接返回至收款方终端，以使得所述收款方终端根据所述二维码链接生成唯一的二维码信息并向付款方展示该二维码信息。a link sending module 47, configured to return the two-dimensional code link to the payee terminal, so that the payee terminal generates unique two-dimensional code information according to the two-dimensional code link and presents the two to the payer Dimension code information.
在本申请实施例中，买家用户使用付款方终端扫码，包括但不限于使用支付渠道合作方对应的应用程序扫码、支付平台对应的应该用程序扫码，在扫码完后，所述付款方终端会 向支付平台的服务端设备提交扫描链接；所述验证模块45验证所述扫描链接的有效性，并在验证通过时发起用户支付，要求用户授权。In the embodiment of the present application, the buyer user uses the payment party terminal scan code, including but not limited to the application scanning code corresponding to the payment channel partner, and the corresponding scanning program of the payment platform, after the scanning code is completed, The payer terminal submits a scan link to the server device of the payment platform; the verification module 45 verifies the validity of the scan link, and initiates user payment when the verification is passed, requesting user authorization.
与现有技术不同，在要求用户授权前，本申请实施例***了支付渠道的选择步骤。所述渠道发送模块46在所述扫描链接验证通过后，向所述付款方终端发送订单信息、支付渠道合作方对应的支付交易接口以及每一个支付交易接口的支付活动信息。在这里，所述支付渠道合作方对应的支付交易接口为支付渠道交易的启动接口。付款方终端在显示每一个支付渠道合作方对应的支付交易接口时，也同步显示了对应的支付渠道合作方的支付活动信息。通过本申请，买家用户扫码前无需再分辨二维码对应的支付渠道，且可以同步浏览比对不同的支付活动，选择满意的支付渠道完成交易，有效地提升了买家用户的体验感。Unlike the prior art, the embodiment of the present application inserts a selection step of a payment channel before requiring user authorization. After the verification of the scan link, the channel sending module 46 sends the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information of each payment transaction interface to the payer terminal. Here, the payment transaction interface corresponding to the payment channel partner is a startup interface of the payment channel transaction. When the paying party terminal displays the payment transaction interface corresponding to each payment channel partner, the payment party terminal also synchronously displays the payment activity information of the corresponding payment channel partner. Through this application, the buyer user does not need to distinguish the payment channel corresponding to the two-dimensional code before scanning the code, and can simultaneously browse and compare different payment activities, select a satisfactory payment channel to complete the transaction, and effectively improve the experience of the buyer user. .
可选地，在买家用户通过点选的方式触发对应的支付渠道合作方发起用户授权支付后，付款方终端跳转至支付渠道合作方对应的付款界面，要求用户输入密码信息以完成支付。在完成支付后，支付渠道合作方将支付结果信息返回至支付平台的服务端设备。所述支付装置还可以包括：Optionally, after the buyer user triggers the corresponding payment channel partner to initiate the user authorization payment by clicking the method, the payment party terminal jumps to the payment interface corresponding to the payment channel partner, and requires the user to input the password information to complete the payment. After the payment is completed, the payment channel partner returns the payment result information to the server device of the payment platform. The payment device may further include:
支付结果发送模块48，用于调用RESTful接口获取付款方所选的支付渠道合作方在完成支付交易后返回的支付结果信息，将所述支付结果信息发送至付款方终端、收款方终端。The payment result sending module 48 is configured to invoke the RESTful interface to obtain the payment result information returned by the payment channel partner selected by the payment party after completing the payment transaction, and send the payment result information to the payer terminal and the payee terminal.
可选地，本申请实施例中，支付平台的服务端设备接收支付结果信息后，还可以保存所述支付结果信息，以便于后续用户通过所述支付平台对应的应用程序也能够查询到订单信息及订单交易结果。Optionally, in the embodiment of the present application, after receiving the payment result information, the server device of the payment platform may further save the payment result information, so that the subsequent user can also query the order information through the application corresponding to the payment platform. And the order transaction results.
可选地，在实际应用中，同一时期内，不同的支付渠道可能同步开展了支付活动，不同的支付活动主要为优惠活动，且活动规则各不相同。针对多种多样的支付渠道及其支付活动，用户无法快速找到最佳的支付渠道。Optionally, in the actual application, during the same period, different payment channels may simultaneously perform payment activities, and different payment activities are mainly preferential activities, and the activity rules are different. Users can't quickly find the best payment channel for a variety of payment channels and their payment activities.
鉴于此，本申请实施例所述的支付装置还包括：In view of this, the payment device described in the embodiment of the present application further includes:
历史数据获取模块49，用于结合不同支付渠道合作方的支付活动信息，获取不同支付渠道合作方的历史使用数据；The historical data obtaining module 49 is configured to obtain historical usage data of different payment channel partners by combining payment activity information of different payment channel partners;
预测模块410，用于根据本次订单的支付信息和不同支付渠道合作方的历史使用数据，预测不同支付渠道合作方完成本次订单时所需的支付交易额；The forecasting module 410 is configured to predict, according to the payment information of the current order and the historical usage data of the different payment channel partners, the amount of payment transactions required by the different payment channel partners to complete the order;
比较模块411，用于比较所述不同支付渠道合作方的支付交易额，选取支付交易额最小的支付渠道作为最优支付渠道；The comparison module 411 is configured to compare the payment transaction amount of the different payment channel partners, and select the payment channel with the smallest payment transaction amount as the optimal payment channel;
渠道推荐模块412，用于将所述最优支付渠道对应的支付交易接口发送至所述付款方终端，以引导付款方使用该最优支付渠道完成本次订单。The channel recommendation module 412 is configured to send the payment transaction interface corresponding to the optimal payment channel to the payer terminal to guide the payer to complete the order using the optimal payment channel.
在这里，本申请实施例通过收集支付渠道合作方的支付活动信息，基于实时下的支付 活动规则预测不同支付渠道完成本次交易的所需的支付交易额，并根据预测结果向用户推送最优的支付渠道，实现了对最优支付渠道的智能推送，方便了用户快速找到最佳的支付方式，大大地提升了用户的体验感。Here, the embodiment of the present application collects the payment activity information of the payment channel partner, predicts the payment transaction amount required for the completion of the transaction by different payment channels based on the payment activity rule in real time, and pushes the optimal to the user according to the prediction result. The payment channel realizes the intelligent push of the optimal payment channel, which facilitates the user to quickly find the best payment method and greatly enhances the user experience.
需要说明的是，本申请实施例中的终端可以用于实现上述方法实施例中的全部技术方案。所属领域的技术人员可以清楚地了解到，为了描述的方便和简洁，仅以上述各功能单元、模块的划分进行举例说明，实际应用中，可以根据需要而将上述功能分配由不同的功能单元、模块完成，即将所述装置的内部结构划分成不同的功能单元或模块，以完成以上描述的全部或者部分功能。It should be noted that the terminal in the embodiment of the present application may be used to implement all the technical solutions in the foregoing method embodiments. It will be clearly understood by those skilled in the art that, for convenience and brevity of description, only the division of each functional unit and module described above is exemplified. In practical applications, the above functions may be assigned to different functional units according to needs. The module is completed by dividing the internal structure of the device into different functional units or modules to perform all or part of the functions described above.
在上述实施例中，对各个实施例的描述都各有侧重，某个实施例中没有详述或记载的部分，可以参见其它实施例的相关描述。In the above embodiments, the descriptions of the various embodiments are different, and the parts that are not detailed or described in the specific embodiments may be referred to the related descriptions of other embodiments.
图5是本申请实施例提供的一种终端的示意图。如图5所示，该实施例的终端5包括：处理器50、存储器51以及存储在所述存储器51中并可在所述处理器50上运行的计算机可读指令52。所述处理器50执行所述计算机可读指令52时实现上述支付方法实施例中的步骤，例如图1所示的步骤S101至S106、图3所示的步骤S301至S309。或者，所述处理器50执行所述计算机可读指令52时实现上述支付装置实施例中各模块/单元的功能，例如图4所示模块41至412的功能。FIG. 5 is a schematic diagram of a terminal according to an embodiment of the present application. As shown in FIG. 5, the terminal 5 of this embodiment includes a processor 50, a memory 51, and computer readable instructions 52 stored in the memory 51 and executable on the processor 50. When the processor 50 executes the computer readable instructions 52, the steps in the foregoing payment method embodiment are implemented, such as steps S101 to S106 shown in FIG. 1 and steps S301 to S309 shown in FIG. 3. Alternatively, the processor 50, when executing the computer readable instructions 52, implements the functions of the various modules/units in the above described payment device embodiment, such as the functions of the modules 41 through 412 shown in FIG.
所称处理器50可以是中央处理单元(Central Processing Unit，CPU)，还可以是其他通用处理器、数字信号处理器(Digital Signal Processor，DSP)、专用集成电路(Application Specific Integrated Circuit，ASIC)、现成可编程门阵列(Field-Programmable Gate Array，FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件等。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等，所述处理器是所述终端的控制中心，利用各种接口和线路连接整个终端的各个部分。The processor 50 may be a central processing unit (CPU), or may be other general-purpose processors, a digital signal processor (DSP), an application specific integrated circuit (ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware components, etc. The general purpose processor may be a microprocessor or the processor or any conventional processor or the like, which is a control center of the terminal, and connects various parts of the entire terminal using various interfaces and lines.
所述存储器51可用于存储所述计算机可读指令和/或模块，所述处理器通过运行或执行存储在所述存储器内的计算机可读指令和/或模块，以及调用存储在存储器内的数据，实现所述终端的各种功能。所述存储器可主要包括存储程序区和存储数据区，其中，存储程序区可存储操作***、至少一个功能所需的应用程序(比如声音播放功能、图像播放功能等)等；存储数据区可存储根据终端的使用所创建的数据等。此外，存储器可以包括高速随机存取存储器，还可以包括非易失性存储器，例如硬盘、内存、插接式硬盘、智能存储卡(Smart Media  Card，SMC)、安全数字卡(Secure Digital，SD)、闪存卡(Flash Card)，至少一个磁盘存储器件、闪存器件或其他易失性固态存储器件。The memory 51 can be used to store the computer readable instructions and/or modules by running or executing computer readable instructions and/or modules stored in the memory, and recalling data stored in the memory Implementing various functions of the terminal. The memory may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application required for at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may be stored. Data created based on the use of the terminal, etc. In addition, the memory may include a high-speed random access memory, and may also include non-volatile memory such as a hard disk, a memory, a plug-in hard disk, a smart memory card (SMC), and a secure digital card (Secure Digital, SD). , Flash Card, at least one disk storage device, flash memory device, or other volatile solid-state storage device.
可以理解地，一个或多个存储有计算机可读指令的非易失性可读存储介质可以包括：能够携带所述计算机可读指令的任何实体或装置、记录介质、U盘、移动硬盘、磁碟、光盘、计算机存储器、只读存储器(ROM，Read-Only Memory)、随机存取存储器(RAM，Random Access Memory)、电载波信号、电信信号以及软件分发介质等。It will be understood that one or more non-volatile readable storage media storing computer readable instructions may comprise: any entity or device capable of carrying the computer readable instructions, a recording medium, a USB flash drive, a mobile hard drive, a magnetic Discs, optical discs, computer memories, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier signals, telecommunications signals, and software distribution media.
以上所述实施例仅用以说明本申请的技术方案，而非对其限制；尽管参照前述实施例对本申请进行了详细的说明，本领域的普通技术人员应当理解：其依然可以对前述各实施例所记载的技术方案进行修改，或者对其中部分技术特征进行等同替换；而这些修改或者替换，并不使相应技术方案的本质脱离本申请各实施例技术方案的精神和范围，均应包含在本申请的保护范围之内。The above-mentioned embodiments are only used to explain the technical solutions of the present application, and are not limited thereto; although the present application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that they can still implement the foregoing embodiments. The technical solutions described in the examples are modified or equivalently replaced with some of the technical features; and the modifications or substitutions do not deviate from the spirit and scope of the technical solutions of the embodiments of the present application, and should be included in Within the scope of protection of this application.

Claims (20)

  1. 一种支付方法，其特征在于，所述支付方法包括：A payment method, characterized in that the payment method comprises:
    当接收到二维码生成接口的调用请求时，获取所述调用请求中由收款方终端传入的订单信息；Obtaining the order information introduced by the payee terminal in the call request when receiving the call request of the two-dimensional code generating interface;
    调用RESTful接口，获取支付渠道合作方及其推送的支付活动信息；Calling the RESTful interface to obtain payment channel partners and their pushed payment activity information;
    根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接；Generating a two-dimensional code link according to the order information, the payment channel partner, and the payment activity information thereof;
    根据所述二维码链接生成唯一的二维码信息，将所述二维码信息发送至收款方终端，以供收款方向付款方展示该二维码信息；Generating the unique two-dimensional code information according to the two-dimensional code link, and sending the two-dimensional code information to the payee terminal, so that the payment direction display the two-dimensional code information;
    获取付款方终端扫描所述二维码信息后提交的扫描链接，验证所述扫描链接；Obtaining a scan link submitted by the payer terminal after scanning the two-dimensional code information, and verifying the scan link;
    在所述扫描链接验证通过后，将所述订单信息、支付渠道合作方对应的支付交易接口和支付活动信息发送至所述付款方终端，以向付款方展示本次订单的支付信息、可选用的支付渠道的支付交易接口和支付活动信息。After the verification of the scan link is passed, the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information are sent to the payer terminal to display the payment information of the order to the payer, and may be used. Payment transaction interface and payment activity information for the payment channel.
  2. 如权利要求1所述的支付方法，其特征在于，在所述扫描链接验证通过后，所述支付方法包括：The payment method according to claim 1, wherein after the verification of the scan link is passed, the payment method comprises:
    结合不同支付渠道合作方的支付活动信息，获取不同支付渠道合作方的历史使用数据；Combine the payment activity information of different payment channel partners to obtain historical usage data of different payment channel partners;
    根据本次订单的支付信息和不同支付渠道合作方的历史使用数据，预测不同支付渠道合作方完成本次订单时所需的支付交易额；According to the payment information of this order and the historical usage data of different payment channel partners, predict the payment transaction amount required by different payment channel partners to complete this order;
    比较所述不同支付渠道合作方的支付交易额，选取支付交易额最小的支付渠道作为最优支付渠道；Comparing the payment transaction amount of the different payment channel partners, and selecting the payment channel with the smallest payment transaction amount as the optimal payment channel;
    将所述最优支付渠道对应的支付交易接口发送至所述付款方终端，以引导付款方使用该最优支付渠道完成本次订单。Sending a payment transaction interface corresponding to the optimal payment channel to the payer terminal to guide the payer to complete the order using the optimal payment channel.
  3. 如权利要求1或2所述的支付方法，其特征在于，所述支付方法还包括：The payment method according to claim 1 or 2, wherein the payment method further comprises:
    调用RESTful接口获取付款方所选的支付渠道合作方在完成支付交易后返回的支付结果信息，将所述支付结果信息发送至付款方终端、收款方终端。The RESTful interface is invoked to obtain the payment result information returned by the payment channel partner selected by the payment party after completing the payment transaction, and the payment result information is sent to the payer terminal and the payee terminal.
  4. 如权利要求3所述的支付方法，其特征在于，在根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接后，所述支付方法还包括：The payment method according to claim 3, wherein after the generating the two-dimensional code link according to the order information, the payment channel partner and the payment activity information, the payment method further comprises:
    将所述二维码链接返回至收款方终端，以使得所述收款方终端根据所述二维码链接生成唯一的二维码信息并向付款方展示该二维码信息。The two-dimensional code link is returned to the payee terminal such that the payee terminal generates unique two-dimensional code information according to the two-dimensional code link and presents the two-dimensional code information to the payer.
  5. 如权利要求1或2所述的支付方法，其特征在于，所述根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接包括：The payment method according to claim 1 or 2, wherein the generating the two-dimensional code link according to the order information, the payment channel partner and the payment activity information thereof comprises:
    根据所述订单信息、支付渠道合作方及其支付活动信息生成所述支付渠道合作方共同对应的预支付交易单；Generating, according to the order information, the payment channel partner and the payment activity information, a pre-payment transaction form jointly corresponding to the payment channel partner;
    生成所述预支付交易单对应的二维码链接。Generating a two-dimensional code link corresponding to the pre-paid transaction slip.
  6. 一种支付装置，其特征在于，所述支付装置包括：A payment device, characterized in that the payment device comprises:
    订单获取模块，用于当接收到二维码生成接口的调用请求时，获取所述调用请求中由收款方终端传入的订单信息；An order obtaining module, configured to acquire, when the call request of the two-dimensional code generating interface is received, the order information input by the payee terminal in the calling request;
    渠道获取模块，用于调用RESTful接口，获取支付渠道合作方及其推送的支付活动信息；a channel acquisition module, configured to invoke a RESTful interface to obtain payment channel partners and their pushed payment activity information;
    链接生成模块，用于根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接；a link generation module, configured to generate a QR code link according to the order information, the payment channel partner, and the payment activity information thereof;
    信息发送模块，用于根据所述二维码链接生成唯一的二维码信息，将所述二维码信息发送至收款方终端，以供收款方向付款方展示该二维码信息；An information sending module, configured to generate unique two-dimensional code information according to the two-dimensional code link, and send the two-dimensional code information to a payee terminal, so that the payment direction display the two-dimensional code information;
    验证模块，用于获取付款方终端扫描所述二维码信息后提交的扫描链接，验证所述扫描链接；a verification module, configured to obtain a scan link submitted by the payment party terminal after scanning the two-dimensional code information, and verify the scan link;
    渠道发送模块，用于在所述扫描链接验证通过后，将所述订单信息、支付渠道合作方对应的支付交易接口和支付活动信息发送至所述付款方终端，以向付款方展示本次订单的支付信息、可选用的支付渠道的支付交易接口和支付活动信息。a channel sending module, configured to send the order information, a payment transaction interface corresponding to a payment channel partner, and payment activity information to the payer terminal after the scan link verification is passed, to display the order to the payer Payment information, payment transaction interface and payment activity information for optional payment channels.
  7. 如权利要求6所述的支付装置，其特征在于，在所述扫描链接验证通过后，所述支付装置包括：The payment device of claim 6, wherein after the verification of the scan link is passed, the payment device comprises:
    历史数据获取模块，用于结合不同支付渠道合作方的支付活动信息，获取不同支付渠道合作方的历史使用数据；The historical data acquisition module is configured to combine the payment activity information of different payment channel partners to obtain historical usage data of different payment channel partners;
    预测模块，用于根据本次订单的支付信息和不同支付渠道合作方的历史使用数据，预测不同支付渠道合作方完成本次订单时所需的支付交易额；The prediction module is configured to predict the amount of payment transactions required by the different payment channel partners to complete the order according to the payment information of the order and the historical usage data of the different payment channel partners;
    比较模块，用于比较所述不同支付渠道合作方的支付交易额，选取支付交易额最小的支付渠道作为最优支付渠道；a comparison module, configured to compare the payment transaction amount of the different payment channel partners, and select a payment channel with the smallest payment transaction amount as the optimal payment channel;
    渠道推荐模块，用于将所述最优支付渠道对应的支付交易接口发送至所述付款方终端，以引导付款方使用该最优支付渠道完成本次订单。And a channel recommendation module, configured to send the payment transaction interface corresponding to the optimal payment channel to the payer terminal, to guide the payer to use the optimal payment channel to complete the order.
  8. 如权利要求6或7所述的支付装置，其特征在于，所述支付装置还包括：The payment device according to claim 6 or 7, wherein the payment device further comprises:
    支付结果发送模块，用于调用RESTful接口获取付款方所选的支付渠道合作方在完成支付交易后返回的支付结果信息，将所述支付结果信息发送至付款方终端、收款方终端。The payment result sending module is configured to invoke the RESTful interface to obtain the payment result information returned by the payment channel partner selected by the payment party after completing the payment transaction, and send the payment result information to the payer terminal and the payee terminal.
  9. 如权利要求8所述的支付装置，其特征在于，所述支付装置还包括：The payment device of claim 8, wherein the payment device further comprises:
    链接发送模块，用于将所述二维码链接返回至收款方终端，以使得所述收款方终端根据所述二维码链接生成唯一的二维码信息并向付款方展示该二维码信息。a link sending module, configured to return the two-dimensional code link to the payee terminal, so that the payee terminal generates unique two-dimensional code information according to the two-dimensional code link and displays the two-dimensional code to the payer Code information.
  10. 如权利要求6或7所述的支付装置，其特征在于，所述链接生成模块具体用于：The payment device according to claim 6 or 7, wherein the link generation module is specifically configured to:
    根据所述订单信息、支付渠道合作方及其支付活动信息生成所述支付渠道合作方共同对应的预支付交易单；Generating, according to the order information, the payment channel partner and the payment activity information, a pre-payment transaction form jointly corresponding to the payment channel partner;
    生成所述预支付交易单对应的二维码链接。Generating a two-dimensional code link corresponding to the pre-paid transaction slip.
  11. 一个或多个存储有计算机可读指令的非易失性可读存储介质，其特征在于，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行如下步骤：One or more non-transitory readable storage mediums storing computer readable instructions, wherein when the computer readable instructions are executed by one or more processors, cause the one or more processors to execute The following steps:
    当接收到二维码生成接口的调用请求时，获取所述调用请求中由收款方终端传入的订单信息；Obtaining the order information introduced by the payee terminal in the call request when receiving the call request of the two-dimensional code generating interface;
    调用RESTful接口，获取支付渠道合作方及其推送的支付活动信息；Calling the RESTful interface to obtain payment channel partners and their pushed payment activity information;
    根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接；Generating a two-dimensional code link according to the order information, the payment channel partner, and the payment activity information thereof;
    根据所述二维码链接生成唯一的二维码信息，将所述二维码信息发送至收款方终端，以供收款方向付款方展示该二维码信息；Generating the unique two-dimensional code information according to the two-dimensional code link, and sending the two-dimensional code information to the payee terminal, so that the payment direction display the two-dimensional code information;
    获取付款方终端扫描所述二维码信息后提交的扫描链接，验证所述扫描链接；Obtaining a scan link submitted by the payer terminal after scanning the two-dimensional code information, and verifying the scan link;
    在所述扫描链接验证通过后，将所述订单信息、支付渠道合作方对应的支付交易接口和支付活动信息发送至所述付款方终端，以向付款方展示本次订单的支付信息、可选用的支付渠道的支付交易接口和支付活动信息。After the verification of the scan link is passed, the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information are sent to the payer terminal to display the payment information of the order to the payer, and may be used. Payment transaction interface and payment activity information for the payment channel.
  12. 如权利要求11所述的非易失性可读存储介质，其特征在于，在所述扫描链接验证通过后，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行如下步骤：A non-volatile readable storage medium as claimed in claim 11 wherein, after said scan link verification is passed, said computer readable instructions are executed by one or more processors such that said one or Multiple processors perform the following steps:
    结合不同支付渠道合作方的支付活动信息，获取不同支付渠道合作方的历史使用数据；Combine the payment activity information of different payment channel partners to obtain historical usage data of different payment channel partners;
    根据本次订单的支付信息和不同支付渠道合作方的历史使用数据，预测不同支付渠道合作方完成本次订单时所需的支付交易额；According to the payment information of this order and the historical usage data of different payment channel partners, predict the payment transaction amount required by different payment channel partners to complete this order;
    比较所述不同支付渠道合作方的支付交易额，选取支付交易额最小的支付渠道作为最优支付渠道；Comparing the payment transaction amount of the different payment channel partners, and selecting the payment channel with the smallest payment transaction amount as the optimal payment channel;
    将所述最优支付渠道对应的支付交易接口发送至所述付款方终端，以引导付款方使用该最优支付渠道完成本次订单。Sending a payment transaction interface corresponding to the optimal payment channel to the payer terminal to guide the payer to complete the order using the optimal payment channel.
  13. 如权利要求11或12所述的非易失性可读存储介质，其特征在于，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器还执行如下步骤：A non-volatile readable storage medium according to claim 11 or 12, wherein said computer readable instructions are executed by one or more processors such that said one or more processors further perform the following step:
    调用RESTful接口获取付款方所选的支付渠道合作方在完成支付交易后返回的支付结 果信息，将所述支付结果信息发送至付款方终端、收款方终端。The RESTful interface is invoked to obtain the payment result information returned by the payment channel partner selected by the payment party after completing the payment transaction, and the payment result information is sent to the payer terminal and the payee terminal.
  14. 如权利要求13所述的非易失性可读存储介质，其特征在于，在根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接后，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器还执行如下步骤：The non-volatile readable storage medium of claim 13, wherein the computer readable instructions are generated after generating a two-dimensional code link based on the order information, the payment channel partner, and the payment activity information thereof When the one or more processors are executed, the one or more processors are further configured to perform the following steps:
    将所述二维码链接返回至收款方终端，以使得所述收款方终端根据所述二维码链接生成唯一的二维码信息并向付款方展示该二维码信息。The two-dimensional code link is returned to the payee terminal such that the payee terminal generates unique two-dimensional code information according to the two-dimensional code link and presents the two-dimensional code information to the payer.
  15. 如权利要求11或12所述的非易失性可读存储介质，其特征在于，所述根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接包括：The non-volatile readable storage medium according to claim 11 or 12, wherein the generating the two-dimensional code link according to the order information, the payment channel partner and the payment activity information thereof comprises:
    根据所述订单信息、支付渠道合作方及其支付活动信息生成所述支付渠道合作方共同对应的预支付交易单；Generating, according to the order information, the payment channel partner and the payment activity information, a pre-payment transaction form jointly corresponding to the payment channel partner;
    生成所述预支付交易单对应的二维码链接。Generating a two-dimensional code link corresponding to the pre-paid transaction slip.
  16. 一种终端，包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机可读指令，其特征在于，所述处理器执行所述计算机可读指令时实现以下步骤：A terminal comprising a memory, a processor, and computer readable instructions stored on the memory and operable on the processor, wherein the processor, when executing the computer readable instructions, implements the following steps:
    当接收到二维码生成接口的调用请求时，获取所述调用请求中由收款方终端传入的订单信息；Obtaining the order information introduced by the payee terminal in the call request when receiving the call request of the two-dimensional code generating interface;
    调用RESTful接口，获取支付渠道合作方及其推送的支付活动信息；Calling the RESTful interface to obtain payment channel partners and their pushed payment activity information;
    根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接；Generating a two-dimensional code link according to the order information, the payment channel partner, and the payment activity information thereof;
    根据所述二维码链接生成唯一的二维码信息，将所述二维码信息发送至收款方终端，以供收款方向付款方展示该二维码信息；Generating the unique two-dimensional code information according to the two-dimensional code link, and sending the two-dimensional code information to the payee terminal, so that the payment direction display the two-dimensional code information;
    获取付款方终端扫描所述二维码信息后提交的扫描链接，验证所述扫描链接；Obtaining a scan link submitted by the payer terminal after scanning the two-dimensional code information, and verifying the scan link;
    在所述扫描链接验证通过后，将所述订单信息、支付渠道合作方对应的支付交易接口和支付活动信息发送至所述付款方终端，以向付款方展示本次订单的支付信息、可选用的支付渠道的支付交易接口和支付活动信息。After the verification of the scan link is passed, the order information, the payment transaction interface corresponding to the payment channel partner, and the payment activity information are sent to the payer terminal to display the payment information of the order to the payer, and may be used. Payment transaction interface and payment activity information for the payment channel.
  17. 如权利要求16所述的终端，其特征在于，在所述扫描链接验证通过后，所述处理器执行所述计算机可读指令时实现以下步骤：The terminal of claim 16, wherein the processor performs the following steps when the processor executes the computer readable instructions after the scan link verification is passed:
    结合不同支付渠道合作方的支付活动信息，获取不同支付渠道合作方的历史使用数据；Combine the payment activity information of different payment channel partners to obtain historical usage data of different payment channel partners;
    根据本次订单的支付信息和不同支付渠道合作方的历史使用数据，预测不同支付渠道合作方完成本次订单时所需的支付交易额；According to the payment information of this order and the historical usage data of different payment channel partners, predict the payment transaction amount required by different payment channel partners to complete this order;
    比较所述不同支付渠道合作方的支付交易额，选取支付交易额最小的支付渠道作为最优支付渠道；Comparing the payment transaction amount of the different payment channel partners, and selecting the payment channel with the smallest payment transaction amount as the optimal payment channel;
    将所述最优支付渠道对应的支付交易接口发送至所述付款方终端，以引导付款方使用 该最优支付渠道完成本次订单。Sending a payment transaction interface corresponding to the optimal payment channel to the payer terminal to guide the payer to complete the order using the optimal payment channel.
  18. 如权利要求16或17所述的终端，其特征在于，所述处理器执行所述计算机可读指令时还实现以下步骤：The terminal according to claim 16 or 17, wherein said processor further implements the following steps when said computer readable instructions are executed:
    调用RESTful接口获取付款方所选的支付渠道合作方在完成支付交易后返回的支付结果信息，将所述支付结果信息发送至付款方终端、收款方终端。The RESTful interface is invoked to obtain the payment result information returned by the payment channel partner selected by the payment party after completing the payment transaction, and the payment result information is sent to the payer terminal and the payee terminal.
  19. 如权利要求18所述的终端，其特征在于，在根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接后，所述处理器执行所述计算机可读指令时还实现以下步骤：The terminal according to claim 18, wherein after the processor generates the two-dimensional code link according to the order information, the payment channel partner and the payment activity information, the processor further implements the computer readable instruction The following steps:
    将所述二维码链接返回至收款方终端，以使得所述收款方终端根据所述二维码链接生成唯一的二维码信息并向付款方展示该二维码信息。The two-dimensional code link is returned to the payee terminal such that the payee terminal generates unique two-dimensional code information according to the two-dimensional code link and presents the two-dimensional code information to the payer.
  20. 如权利要求16或17所述的终端，其特征在于，所述根据所述订单信息、支付渠道合作方及其支付活动信息生成二维码链接包括：The terminal according to claim 16 or 17, wherein the generating a two-dimensional code link according to the order information, the payment channel partner and the payment activity information thereof comprises:
    根据所述订单信息、支付渠道合作方及其支付活动信息生成所述支付渠道合作方共同对应的预支付交易单；Generating, according to the order information, the payment channel partner and the payment activity information, a pre-payment transaction form jointly corresponding to the payment channel partner;
    生成所述预支付交易单对应的二维码链接。Generating a two-dimensional code link corresponding to the pre-paid transaction slip.
PCT/CN2018/081244 2017-07-28 2018-03-30 Payment method and apparatus, storage medium and terminal WO2019019682A1 (en)

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