Payment server, terminal and payment channel access method

Abstract

The invention provides a payment server which comprises a resolving unit, an obtaining unit and a finding unit. The resolving unit is used for resolving payment mode data provided by a plurality of proxy servers and generating a plurality of payment channel data, the obtaining unit is used for obtaining payment inlet types selected by client side, and the finding unit is used for finding out a plurality of related payment channels belonging to the selected payment inlet types based on a data base. The invention further provides a terminal which comprises an access unit, a switch unit and a display unit, the access unit is connected with the plurality of related payment channels simultaneously, the switch unit is used for opening any one of the plurality of related payment channels, closing other payment channels, closing current payment channels and opening any one of other payment channels when the current payment channels are unusual in access, and the display unit displays the opened payment channels. The invention further provides a payment channel access method. By means of the technical scheme, rapid switching of the payment channels can be achieved, and stability of payment operation can be guaranteed.

Description

Technical field [0001] The invention relates to the field of online payment, in particular to a payment server, a terminal and a payment channel access method. Background technique [0002] The stability of the payment channel determines the user's experience of using payment. Under the condition of multi-channel payment, due to differences in the access, integration, geographical and implementation of different payment channels, the access of a single channel itself has uncertain risks. At the same time, the abnormality of different payment channels also brings obvious uncertainty, which brings great problems to avoiding risks. Existing technologies try to shield unknown risks by providing stable payment services as much as possible. Although there are multiple channels, users can only choose one channel for access when actually paying, and the abnormal situation of the general payment channel occurs in the access In the process (that is, the payment process is still in the pay...

AI Technical Summary

Problems solved by technology

[0002] The stability of the payment channel determines the user's experience of using payment. Under the condition of multiple payment channels, due to the differences in the access, integration, region, and implementation of different payment channels, the access of a single channel itself has uncertain risks. At the same time, the abnormality of different payment channels also brings obvious uncertainties, which brings great problems to avoid risks

Existing technologies try to shield unknown risks by providing stable payment services as much as possible. Although it is multi-channel, users can only choose one channel to access when actually paying, and the abnormal situation of general payment channels occurs when accessing In the process (that is, the payment process is still in the payment agent's system), so the risk of instability cannot be avoided

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