Payment server and payment channel integration method

Abstract

The invention provides a payment server connected to a plurality of proxy servers. The payment server comprises a decomposing unit used for decomposing payment mode data provided by the proxy servers and generating and storing a plurality of payment channel data, and an integration unit, wherein the payment channel data comprise proxy server identifiers, payment mode type data and payment inlet type data, and the proxy servers are provided by a payment agent; and the integration unit is connected to the decomposing unit and is used for classifying and integrating the payment channel data belonging to the same payment mode type or the same proxy server identifier or the same payment inlet type and sending the integrated payment channel data to a client. The invention also provides a payment channel integration method. By the technical scheme, the payment capacity of the payment proxy servers can be decomposed and integrated, so that a relatively large payment selection environment can be supplied to users, and the integration method is free from service limitation of the proxy servers.

Description

technical field [0001] The invention relates to the field of online payment, in particular to a payment server and a payment channel integration method. Background technique [0002] At this stage, there are two forms of access to payment methods: one is to access directly through the services provided by the payment provider server (such as the China Merchants Bank system server), and the other is to complete the access of specific payment methods through access to proxy servers. The first method requires high qualifications for accessing merchants, and there are too many payment channels, and a merchant does not have the energy to cooperate with each payment provider server; the second method is relatively easy, and merchants can choose to accept The payment access operation is completed by entering several proxy servers with many payment methods, and the present invention is also described based on this background. [0003] For the second method, the general practice in ...

AI Technical Summary

Problems solved by technology

like Figure 1B As shown, in order to realize payment access, since P1 and P3 have the same payment method, users will choose P1 and P2 payment or P2 and P3 payment, but they cannot use P1, P2 and P3 at the same time. In fact, although P1 and P3 both have online banking payment , but there are still big differences, for example, the payment entry types are different under the online banking payment method

Due to the advantages and disadvantages of the proxy server itself and the difference in integration capabilities, it is not safe to simply remove the proxy server

For example, although Gaoyang Internet Banking is not strong, it integrates a large number of small banks. Although Yibao has a large scale, it focuses on those relatively large banking companies and channels, and it is still difficult for ordinary small banks to access; and people from different regions There are different preferences for big and small banks, so it must be carefully analyzed, not just the addition and subtraction of proxy servers

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