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Multi-payment channel selection method and system

A channel and payment request technology, applied in the field of e-commerce, can solve the problems of inflexibility, lack of processing, fixed display and arrangement, and achieve the effect of simplifying processing

Active Publication Date: 2017-01-04
深圳云游四海信息科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In the existing network payment scheme, each application integrates various payment channels to meet the payment requirements. When selecting various payment channels, the display and arrangement of the payment channels are fixed, not flexible enough, and lack of support for multiple countries. payment processing

Method used

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  • Multi-payment channel selection method and system

Examples

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Embodiment Construction

[0046] like figure 1 Shown is a flow chart of the method for selecting multiple payment channels of the present invention. The method includes the following steps:

[0047] S1. The user sends a payment request to the payment channel selection module through the APP;

[0048] In this step, the APP (application) sends a payment request to the payment channel selection module using HTTP GET and POST. Of course, the payment request needs to be encrypted or signed to ensure that the request is true and valid. The specific encryption or signature will not be described in detail here. illustrate.

[0049] Furthermore, different users use different APPs, and APP parameters include application ID, application name, black and white list filter identification, and filter list list, where the application ID represents the number of different APPs; the application name represents different applications, such as JD.com , mobile phone Tmall, Meituan, etc.; the black and white list filter ...

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PUM

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Abstract

The invention provides a multi-payment channel selection method. The method comprises the following steps that S1, different users send payment requests to a payment channel selection module through APPs; and S2, the payment channel selection module selects payment channels according to the payment requests, generates a support list of the payment channels supporting the payment requests, and displays the support list to the users for selection. The invention furthermore provides a corresponding system. According to the multi-payment channel selection method and system, a multi-national payment situation is covered; universal payment request parameters are defined, so that the users can conveniently select the payment channels; the support list supporting the payment requests is flexibly sorted; the personal habits of the users are considered; and in addition, the sorted support list is displayed for the users to select, so that the payment processing of the APPs is simplified and the APPs can focus in own business logic processing.

Description

technical field [0001] The present invention relates to the technical field of electronic commerce, and more specifically, relates to a method and system for selecting multiple payment channels. Background technique [0002] With the increasing number of online payment channels, various mobile phone bill payments, recharge card payments, e-wallet payments, etc. emerge in an endless stream, and more and more applications (including web / wap sites, apps, etc.) have payment needs. The application needs to choose between multiple payment channels. When faced with multiple payment channels, how to quickly and accurately select the eligible channel and display it to the user in an orderly manner is a problem that needs to be solved. [0003] In the existing network payment scheme, each application integrates various payment channels to meet the payment requirements. When selecting various payment channels, the display and arrangement of the payment channels are fixed, not flexible ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/08G06Q20/22
CPCG06Q20/085G06Q20/22
Inventor 郑先斌
Owner 深圳云游四海信息科技有限公司
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