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Payment method and device, computer device and storage medium

A payer and payable technology, applied in the computer field, can solve problems such as low payment efficiency, unstable payment, and different payment efficiency and stability

Pending Publication Date: 2019-03-08
PING AN TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] There are many payment channels in traditional aggregated payment, such as fast payment channels including Quick Money, Ping An Payment, JD Payment, and agreement payment channels, such as Alipay, WeChat, online banking, etc. Different payment channels have different payment efficiency and stability , often the user manually selects the payment channel, which has the problems of low payment efficiency and unstable payment

Method used

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  • Payment method and device, computer device and storage medium
  • Payment method and device, computer device and storage medium
  • Payment method and device, computer device and storage medium

Examples

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Embodiment Construction

[0064] In order to make the purpose, technical solution and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present application, and are not intended to limit the present application.

[0065] The payment method provided by this application can be applied to such as figure 1 shown in the application environment. figure 1 It is an application environment diagram for the operation of the payment method in an embodiment. Such as figure 1 As shown, the application environment includes a terminal 110, a business server 120, a unified payment server 130, and payment channel servers 141-144. Each payment channel server corresponds to a different payment channel, and payment account servers 150-153. Each payment account server is respectively Different types o...

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Abstract

The present application relates to cloud services and provides a payment method and device, a computer device and a storage medium. The method comprises the following steps of receiving a first payment request with payment parameters sent by a service server, and obtaining a candidate account type of the payee according to the payee information; acquiring corresponding historical payment data according to payment parameters and candidate account types; calculating a target payment channel corresponding to each candidate account type according to the payment parameter and the historical paymentdata, and establishing an association relationship between each candidate account type and the corresponding target payment channel; generating corresponding selectable payment information accordingto the candidate account type and returning to the payee terminal; receiving a second payment request sent by a payee terminal, the second payment request carrying a target account type selected according to selectable payment information; obtaining the target payment channel corresponding to the target account type according to the association relationship, and completing the payment through thetarget payment channel corresponding to the target account type, so as to improve the payment efficiency.

Description

technical field [0001] The present application relates to the field of computer technology, in particular to a payment method, device, computer equipment and storage medium. Background technique [0002] The current third-party payment is difficult to meet complex payment scenarios, and the payment channels are becoming more and more fragmented. Aggregated payment has become the trend of the future payment market. Currently, the aggregated payment products on the market, including ping++, beecloud, etc., are mainly mobile payments. The existing aggregators mainly include WeChat, Alipay, Baidu Wallet, etc. [0003] There are many payment channels in traditional aggregated payment, such as fast payment channels including Quick Money, Ping An Payment, JD Payment, and agreement payment channels, such as Alipay, WeChat, online banking, etc. Different payment channels have different payment efficiency and stability , often the user manually selects the payment channel, which has ...

Claims

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Application Information

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IPC IPC(8): G06Q20/10
CPCG06Q20/10
Inventor 徐伟
Owner PING AN TECH (SHENZHEN) CO LTD
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