A payment method display method, device, server and storage medium

Abstract

The embodiment of the present invention discloses a method, device, server and storage medium for displaying payment methods, the method comprising: when obtaining a repayment application from a user, obtaining the transaction information of the repayment application; wherein the transaction information includes the repayment type and / or the fund provider; according to the transaction information of the repayment application, obtaining at least one matching alternative payment method; according to the channel payment proportion and channel payment proportion threshold of at least one of the alternative payment methods, obtaining a target payment method from the at least one alternative payment method; and displaying the target payment method to the user. The technical solution of the embodiment of the present invention realizes providing personalized recommendations of payment methods to users based on the transaction information of the repayment application, and guiding users to select the recommended payment method, thereby simplifying the transaction process for the e-commerce platform to complete subsequent repayment transactions with the fund provider.

Description

Technical Field

[0001] The embodiments of the present invention relate to e-commerce and Internet finance, and in particular to a payment method display method, device, server and storage medium. Background Art

[0002] With the continuous advancement of technology, the Internet financial industry has also developed vigorously. With the change of people's consumption concepts, lending business through the Internet has also become a common way for people to circulate funds.

[0003] When a user submits a repayment application, the e-commerce platform needs to recommend repayment payment methods from among many payment methods for the user to choose.

[0004] The existing recommended repayment payment methods are usually pre-set by operators based on historical experience, with low recommendation accuracy and poor recommendation effects. In addition, the above-mentioned recommendation methods are often based on business needs and are relatively fixed for a long period of time. Therefore, they are integrated into the program code of the application. Each modification to the recommended payment method requires modification of the program code and re-release in the form of a version update, resulting in a poor user experience. Summary of the invention

[0005] The embodiment of the present invention provides a payment method display method, device, server and storage medium to recommend matching payment methods to users based on transaction information of repayment applications.

[0006] In a first aspect, an embodiment of the present invention provides a method for displaying a payment method, comprising:

[0007] When a repayment application from a user is obtained, the transaction information of the repayment application is obtained; wherein the transaction information includes the repayment type and / or the funding provider;

[0008] Acquire at least one matching alternative payment method according to the transaction information of the repayment application;

[0009] According to the channel payment proportion and the channel payment proportion threshold of at least one of the alternative payment methods, obtaining a target payment method from the at least one alternative payment method;

[0010] The target payment method is presented to the user.

[0011] In a second aspect, an embodiment of the present invention provides a payment method display device, including:

[0012] A transaction information acquisition module, used to acquire transaction information of a user's repayment application when the user's repayment application is acquired; wherein the transaction information includes the repayment type and / or the funding provider;

[0013] An alternative payment method acquisition module, used to acquire at least one matching alternative payment method according to the transaction information of the repayment application;

[0014] A target payment method acquisition module, configured to acquire a target payment method from the at least one alternative payment method according to the channel payment ratio and the channel payment ratio threshold of the at least one alternative payment method;

[0015] A display execution module is used to display the target payment method to the user.

[0016] In a third aspect, an embodiment of the present invention further provides a server, the server comprising:

[0017] one or more processors;

[0018] A storage device for storing one or more programs;

[0019] When the one or more programs are executed by the one or more processors, the one or more processors implement the payment method display method described in any embodiment of the present invention.

[0020] In a fourth aspect, an embodiment of the present invention further provides a storage medium comprising computer executable instructions, which, when executed by a computer processor, implements the payment method display method described in any embodiment of the present invention.

[0021] The technical solution of the embodiment of the present invention, when obtaining the user's repayment application, obtains at least one matching alternative payment method according to the repayment type and / or fund provider of the repayment application, and obtains the target payment method according to the channel payment ratio and the channel payment ratio threshold of the alternative payment method, and then displays the target payment method to the user, thereby providing the user with personalized recommendation of payment methods based on the transaction information of the repayment application, and guiding the user to select the recommended payment method, simplifying the transaction process of the e-commerce platform to complete subsequent repayment transactions with the fund provider, and at the same time, avoiding writing the recommended payment method into the program code of the application, reducing the modification process of the program code, and saving time and labor costs. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] Figure 1 This is a flow chart of a method for displaying a payment method provided in Embodiment 1 of the present invention;

[0023] Figure 2 This is a structural block diagram of a payment method display device provided in Embodiment 2 of the present invention;

[0024] Figure 3This is a structural block diagram of a server provided in Embodiment 3 of the present invention. DETAILED DESCRIPTION

[0025] The present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It is to be understood that the specific embodiments described herein are only used to explain the present invention, rather than to limit the present invention. It should also be noted that, for ease of description, only parts related to the present invention, rather than all structures, are shown in the accompanying drawings.

[0026] Embodiment 1

[0027] Figure 1 This is a flow chart of a method for displaying a payment method provided in Embodiment 1 of the present invention. This embodiment is suitable for displaying available payment methods to a user according to a user's repayment application, so as to guide the user to select a corresponding payment method to complete the repayment. The device can be implemented by software and / or hardware and integrated in an electronic device, typically, in a server of an e-commerce platform. The method specifically includes the following steps:

[0028] S110. When a repayment application from a user is obtained, transaction information of the repayment application is obtained; wherein the transaction information includes a repayment type and / or a funding provider.

[0029] A repayment application can be a user directly applying for a loan from a financial institution through an e-commerce platform, and after obtaining the loan funds, the user repays the loan to the financial institution through the e-commerce platform. It can also be a loan generated by installment payments when a user purchases goods or services through an e-commerce platform, and the user repays the above loan to the financial institution through the e-commerce platform, that is, the user indirectly obtains the loan funds provided by the financial institution.

[0030] The repayment type can indicate the business type of the repayment application, for example, repayment for a combined transaction on a third-party payment platform, repayment for a membership card recharge business on the current e-commerce platform, etc. It can also indicate the identity information of the repayer, for example, repayment on behalf of others and repayment by oneself. Specifically, the repayment type can be divided into single-period repayment on behalf of others, multiple-period repayment on behalf of others, single-period repayment by oneself, and multiple-period repayment by oneself. The fund provider, that is, the financial institutions that provide funds, is also the final recipient after the e-commerce platform responds to this repayment application.

[0031] S120: Acquire at least one matching alternative payment method according to the transaction information of the repayment application.

[0032] One or more payment methods are pre-configured for different repayment types, namely the first payment method. For example, for repayment of combined transactions on third-party payment platform A, it is recommended that users use third-party payment platform A to complete this repayment, so that this repayment can directly enter the account of the current e-commerce platform on third-party payment platform A, thereby facilitating the current e-commerce platform to complete subsequent repayment transactions with the fund provider on third-party payment platform A, thereby simplifying the repayment transaction process. Therefore, the payment method pre-configured for the above repayment type can be payment with third-party payment platform A; for repayment of the current e-commerce platform member recharge service, it is recommended to use the balance in the user's account on the current e-commerce platform for payment. Therefore, the payment method pre-configured for the above repayment type can be payment with account balance.

[0033] Clearing is the netting of accounts. For example, Bank A has to pay Bank B RMB 300 million, and Bank B has to pay Bank A RMB 200 million. After the two are offset, the above transactions are summarized as Bank A paying Bank B RMB 100 million. In the embodiment of the present invention, different fund providers have different account types in different financial institutions (including banks and third-party payment platforms). The accounts may support clearing or may not support clearing. Therefore, according to whether the accounts of each fund provider in different financial institutions support clearing, a matching payment method, i.e., the second payment method, is set for each fund provider in advance. For example, fund provider A has a second payment method in Bank B. A. The accounts in Bank B and the third-party payment platform A support clearing, while clearing is not supported in other financial institutions. Therefore, for the repayment application of fund provider A, bank card payment of Bank A, bank card payment of Bank B and payment of third-party payment platform A are used as matching payment methods; for fund provider B, the accounts in Bank A, Bank C and the third-party payment platform B support clearing, while clearing is not supported in other financial institutions. Therefore, for the repayment application of fund provider B, bank card payment of Bank A, bank card payment of Bank C and payment of third-party payment platform B are used as matching payment methods.

[0034] After obtaining the transaction information of the repayment application, you can select the payment method corresponding to the party with higher priority, that is, the first payment method or the second payment method, as the alternative payment method based on the pre-set repayment type and the priority of the fund provider; you can also use the union of the first payment method and the second payment method as the alternative payment method, so that all payment methods that are highly associated with the repayment application can be added to the alternative payment methods, ensuring the comprehensiveness of the alternative payment methods and avoiding omissions of payment methods.

[0035] Optionally, in an embodiment of the present invention, if the transaction information includes a repayment type and a fund provider, obtaining at least one matching alternative payment method based on the transaction information of the repayment application includes: obtaining at least one pre-configured first payment method based on the repayment type of the repayment application; obtaining at least one matching second payment method based on the clearing method supported by the fund provider; and using the intersection of the at least one first payment method and the at least one second payment method as an alternative payment method. Using the intersection of the first payment method and the second payment method as an alternative payment method allows the obtained alternative payment method to not only meet the pre-configured payment method under the repayment type, but also allow the current e-commerce platform to settle funds with the fund provider in a clearing method, thereby simplifying the fund transaction process and reducing the fund transaction cost.

[0036] S130. According to the channel payment proportion and the channel payment proportion threshold of at least one of the alternative payment methods, obtain a target payment method from the at least one alternative payment method.

[0037] The channel payment ratio may be the ratio of the channel to which the current payment method belongs in all payment behaviors (i.e., bank card payment, third-party payment platform payment, and account balance payment); wherein, the channel includes bank card, third-party payment platform, and account balance; for example, if the current payment method is bank card payment of Bank A, then it is obvious that the channel to which the payment method belongs is bank card, then the channel payment ratio of bank card payment of Bank A is the ratio of bank card payment in all payment behaviors, for example, at the current moment, bank card payment behavior accounts for 20% of all payment behaviors; accordingly, the channel payment ratio threshold is a pre-set maximum ratio of the channel to which the current payment method belongs in all payment behaviors, and its role is to avoid that each channel accounts for too large a proportion in all payment behaviors, resulting in too single a transaction channel of the e-commerce platform; if the channel payment ratio of the channel is greater than or equal to the channel payment ratio threshold, then correspondingly, each payment method under the channel will not be used as a target payment method; if the channel payment ratio of the channel is less than the channel payment ratio threshold, then correspondingly, each payment method under the channel can be used as a target payment method.

[0038] The channel payment proportion may also be the proportion of the current payment method in the channel to which it belongs; for example, the current payment method is payment by third-party payment platform A. In the channel to which it belongs, that is, payment by the third-party payment platform, at the current moment, payment by third-party payment platform A accounts for 20% of the payment behaviors of all third-party payment platforms; accordingly, the channel payment proportion threshold is a pre-set maximum value of the proportion of the current payment method in the channel to which it belongs, and its function is to avoid that the proportion of each payment method in its own channel is too large, resulting in too single a payment method in the channel; if the channel payment proportion of the payment method is greater than or equal to the channel payment proportion threshold, the payment method will not be used as the target payment method; if the channel payment proportion of the payment method is less than the channel payment proportion threshold, the payment method can be used as the target payment method; in particular, in an embodiment of the present invention, the channel payment proportion at the current moment can be obtained through the rule engine QLExpress.

[0039] Optionally, in an embodiment of the present invention, if the alternative payment method includes at least one bank card, before obtaining the target payment method from the at least one alternative payment method based on the channel payment ratio and the channel payment ratio threshold of at least one of the alternative payment methods, it includes: obtaining an available bank card from the at least one bank card based on the user's authentication information, bank card limit information and / or bank card type; wherein the bank card type includes clearing bank cards and / or non-clearing bank cards; obtaining the target payment method from the at least one alternative payment method based on the channel payment ratio and the channel payment ratio threshold of at least one of the alternative payment methods includes: obtaining a target bank card from the available bank cards based on the channel payment ratio and the channel payment ratio threshold of the available bank cards, and adding the target bank card to the target payment method.

[0040] Specifically, by judging whether the user's authentication information is valid, whether the limit information of the bank card bound to the user is greater than or equal to the repayment amount, and whether the bank card bound to the user supports clearing and other screening rules, an available bank card can be determined from at least one of the above bank cards; for example, the user's authentication information is valid, the limit information of the bank card bound to the user is greater than or equal to the repayment amount, and the bank card bound to the user supports clearing are used as screening conditions together, and the bank cards that meet the above screening conditions at the same time are used as available bank cards, and then the target bank card is obtained according to the available bank cards, the channel payment share in the channel to which they belong, and the channel payment share threshold.

[0041] Optionally, in an embodiment of the present invention, if the alternative payment methods include at least one third-party payment platform, before obtaining the target payment method from the at least one alternative payment method based on the channel payment ratio and the channel payment ratio threshold of at least one of the alternative payment methods, it includes: obtaining an available third-party payment platform from the at least one third-party payment platform based on the third-party payment platform limit information; obtaining the target payment method from the at least one alternative payment method based on the channel payment ratio and the channel payment ratio threshold of at least one of the alternative payment methods includes: obtaining the target third-party payment platform from the available third-party payment platforms based on the channel payment ratio and the channel payment ratio threshold of the available third-party payment platforms, and adding the target third-party payment platform to the target payment method.

[0042] Specifically, the limit information of the third-party payment platform is greater than or equal to the repayment amount, which is used as a screening condition, and the third-party payment platforms that meet the above screening conditions are obtained as available third-party payment platforms. Then, based on the available third-party payment platforms, the channel payment proportion in the channel to which they belong and the channel payment proportion threshold, the target third-party payment platform is obtained.

[0043] Optionally, in an embodiment of the present invention, if the alternative payment method includes an account balance, before obtaining the target payment method from the at least one alternative payment method based on the channel payment ratio and the channel payment ratio threshold of at least one of the alternative payment methods, it includes: judging whether the account balance of the user is available based on the account balance authority information and / or account balance limit information of the user; obtaining the target payment method from the at least one alternative payment method based on the channel payment ratio and the channel payment ratio threshold of at least one of the alternative payment methods includes: if it is determined that the user's account balance is available, determining whether to add the account balance to the target payment method based on the channel payment ratio and the channel payment ratio threshold of the account balance.

[0044] Specifically, whether the user's account balance is available is determined by judging whether the user has opened an account balance and whether the limit information of the account balance is greater than or equal to the current repayment amount; for example, the user's account balance has been opened and the limit information of the account balance is greater than or equal to the current repayment amount, which are used as screening conditions. If the above screening conditions are met, the user's account balance is determined to be available, and then based on the account balance payment, the channel payment proportion in the payment behavior of all channels and the channel payment proportion threshold, it is determined whether to add the account balance to the target payment method.

[0045] S140: Display the target payment method to the user.

[0046] The target payment method is displayed to the user first to guide the user to select a matching payment method from the above target payment methods. As for payment methods other than the target payment method, it is not that they cannot be realized, but they are not the optimal payment options, which is not conducive to the subsequent financial transactions between the e-commerce platform and the fund provider. Therefore, they can be displayed after the target payment method or not.

[0047] Optionally, in an embodiment of the present invention, before displaying the target payment method to the user, the method includes: sorting the target payment method according to a preset sorting rule; and displaying the target payment method to the user includes: displaying the sorted target payment method to the user. The display priority of each payment method can be preset by experience value. After obtaining the target payment method, if the target payment method includes multiple payment methods, the above payment methods are sorted according to the preset priority. The higher the priority, the higher the ranking.

[0048] Optionally, in an embodiment of the present invention, before displaying the target payment method to the user, it includes: adjusting the target payment method according to preset adjustment rules; wherein the preset adjustment rules include forced display rules, forced hiding rules, bank card adding guidance rules, account balance activation guidance rules and / or copy adding rules; displaying the target payment method to the user includes: displaying the adjusted target payment method to the user. The forced display rule is to forcibly insert a specific payment method into the target payment method, including the specific insertion position, for example, inserting it at the very front of the target payment method so that the target payment method must include the above-mentioned specific payment method; the forced hiding rule is to forcibly hide a specific payment method in the target payment method so that the target payment method must not include the above-mentioned specific payment method; the bank card adding guidance rule is that when the target payment method does not include bank card payment, or does not include bank card payment of a specific bank, it will guide the addition of a bank card, or add the bank card of the above-mentioned specific bank as a display item, and add it to the target payment method to guide the user to complete the bank card addition and repay through the bank card payment; the account balance opening guidance rule is that when the target payment method does not include account balance payment, it will guide the opening of the account balance as a display item, and add it to the target payment method to guide the user to open the account balance and repay through the account balance payment; the copy adding rule is to add a recommended description in the target payment method to guide the user to choose a specific payment method.

[0049] In particular, the adjustment of the target payment method according to the preset adjustment rules may be performed before the target payment method is sorted according to the preset sorting rules, or after the target payment method is sorted according to the preset sorting rules. That is, the target payment method may be sorted and adjusted according to the preset sorting rules and the preset adjustment rules to obtain the sorted and adjusted target payment method.

[0050] The technical solution of the embodiment of the present invention, when obtaining the user's repayment application, obtains at least one matching alternative payment method according to the repayment type and / or fund provider of the repayment application, and obtains the target payment method according to the channel payment ratio and the channel payment ratio threshold of the alternative payment method, and then displays the target payment method to the user, thereby providing the user with personalized recommendation of payment methods based on the transaction information of the repayment application, and guiding the user to select the recommended payment method, simplifying the transaction process of the e-commerce platform to complete subsequent repayment transactions with the fund provider, and at the same time, avoiding writing the recommended payment method into the program code of the application, reducing the modification process of the program code, and saving time and labor costs.

[0051] Embodiment 2

[0052] Figure 2 It is a structural block diagram of a payment method display device provided in the second embodiment of the present invention, which specifically includes: a transaction information acquisition module 210, an alternative payment method acquisition module 220, a target payment method acquisition module 230 and a display execution module 240.

[0053] The transaction information acquisition module 210 is used to acquire the transaction information of the repayment application when acquiring the repayment application of the user; wherein the transaction information includes the repayment type and / or the funding provider;

[0054] The alternative payment method acquisition module 220 is used to acquire at least one matching alternative payment method according to the transaction information of the repayment application;

[0055] A target payment method acquisition module 230, configured to acquire a target payment method from the at least one alternative payment method according to the channel payment ratio and the channel payment ratio threshold of the at least one alternative payment method;

[0056] The display execution module 240 is used to display the target payment method to the user.

[0057] The technical solution of the embodiment of the present invention, when obtaining the user's repayment application, obtains at least one matching alternative payment method according to the repayment type and / or fund provider of the repayment application, and obtains the target payment method according to the channel payment ratio and the channel payment ratio threshold of the alternative payment method, and then displays the target payment method to the user, thereby providing the user with personalized recommendation of payment methods based on the transaction information of the repayment application, and guiding the user to select the recommended payment method, simplifying the transaction process of the e-commerce platform to complete subsequent repayment transactions with the fund provider, and at the same time, avoiding writing the recommended payment method into the program code of the application, reducing the modification process of the program code, and saving time and labor costs.

[0058] Optionally, based on the above technical solution, if the transaction information includes the repayment type and the fund provider, the alternative payment method acquisition module 220 specifically includes:

[0059] A first payment method acquisition unit, configured to acquire at least one pre-configured first payment method according to the repayment type of the repayment application;

[0060] A second payment method acquisition unit, configured to acquire at least one matching second payment method according to a clearing method supported by the fund provider;

[0061] The alternative payment method acquisition unit is used to use the intersection of the at least one first payment method and the at least one second payment method as an alternative payment method.

[0062] Optionally, based on the above technical solution, if the alternative payment method includes at least one bank card, the payment method display device further includes:

[0063] An available bank card acquisition module is used to acquire an available bank card from the at least one bank card according to the user's authentication information, bank card limit information and / or bank card type; wherein the bank card type includes clearing bank cards and / or non-clearing bank cards.

[0064] Optionally, based on the above technical solution, the target payment method acquisition module 230 is specifically used to obtain the target bank card from the available bank cards according to the channel payment proportion and channel payment proportion threshold of the available bank cards, and add the target bank card to the target payment method.

[0065] Optionally, based on the above technical solution, if the alternative payment method includes at least one third-party payment platform, the payment method display device further includes:

[0066] The available third-party payment platform acquisition module is used to acquire an available third-party payment platform from the at least one third-party payment platform according to the third-party payment platform limit information.

[0067] Optionally, based on the above technical solution, the target payment method acquisition module 230 is specifically used to obtain the target third-party payment platform from the available third-party payment platforms according to the channel payment proportion and channel payment proportion threshold of the available third-party payment platform, and add the target third-party payment platform to the target payment method.

[0068] Optionally, based on the above technical solution, if the alternative payment method includes an account balance, the payment method display device further includes:

[0069] The account balance determination module is used to determine whether the user's account balance is available based on the user's account balance authority information and / or account balance limit information.

[0070] Optionally, based on the above technical solution, the target payment method acquisition module 230 is specifically used to determine whether to add the account balance to the target payment method based on the channel payment ratio of the account balance and the channel payment ratio threshold if it is determined that the user's account balance is available.

[0071] Optionally, based on the above technical solution, the payment method display device further includes:

[0072] The sorting execution module is used to sort the target payment methods according to preset sorting rules.

[0073] Optionally, based on the above technical solution, a display execution module 240 is provided, which is specifically used to display the sorted target payment methods to the user.

[0074] Optionally, based on the above technical solution, the payment method display device further includes:

[0075] The adjustment execution module is used to adjust the target payment method according to preset adjustment rules; wherein the preset adjustment rules include forced display rules, forced hiding rules, bank card adding guidance rules, account balance activation guidance rules and / or copy adding rules.

[0076] Optionally, based on the above technical solution, a display execution module 240 is provided, which is specifically used to display the adjusted target payment method to the user.

[0077] The above device can execute the payment method display method provided by any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method. For technical details not described in detail in this embodiment, please refer to the method provided by any embodiment of the present invention.

[0078] Embodiment 3

[0079] Figure 3 A schematic diagram of the structure of a server provided in Embodiment 3 of the present invention. Figure 3 A block diagram of an exemplary device 12 suitable for use in implementing embodiments of the present invention is shown. Figure 3 The server 12 shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0080] like Figure 3 As shown, the server 12 is in the form of a general purpose computing device. The components of the server 12 may include, but are not limited to: one or more processors or processing units 16, a system memory 28, and a bus 18 that connects various system components (including the system memory 28 and the processing unit 16).

[0081] Bus 18 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor or a local bus using any of a variety of bus architectures. By way of example, these architectures include, but are not limited to, an Industry Standard Architecture (ISA) bus, a Micro Channel Architecture (MAC) bus, an Enhanced ISA bus, a Video Electronics Standards Association (VESA) local bus, and a Peripheral Component Interconnect (PCI) bus.

[0082] The server 12 typically includes a variety of computer system readable media. These media can be any available media that can be accessed by the server 12, including volatile and non-volatile media, removable and non-removable media.

[0083] The system memory 28 may include computer system readable media in the form of volatile memory, such as random access memory (RAM) 30 and / or cache memory 32. The server 12 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 34 may be used to read and write non-removable, non-volatile magnetic media ( Figure 3 not shown, usually called a "hard drive"). Although Figure 3Not shown in the figure, a disk drive for reading and writing to a removable non-volatile disk (e.g., a "floppy disk"), and an optical disk drive for reading and writing to a removable non-volatile optical disk (e.g., a CD-ROM, a DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to the bus 18 via one or more data medium interfaces. The system memory 28 may include at least one program product having a set (e.g., at least one) of program modules that are configured to perform the functions of the various embodiments of the present invention.

[0084] A program / utility 40 having a set (at least one) of program modules 42 may be stored, for example, in system memory 28, such program modules 42 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment. Program modules 42 generally perform the functions and / or methods of the embodiments described herein.

[0085] The server 12 may also communicate with one or more external devices 14 (e.g., keyboards, pointing devices, displays 24, etc.), may communicate with one or more devices that enable a user to interact with the server 12, and / or may communicate with any device that enables the server 12 to communicate with one or more other computing devices (e.g., network cards, modems, etc.). Such communication may be performed via an input / output (I / O) interface 22. In addition, the server 12 may also communicate with one or more networks (e.g., local area networks (LANs), wide area networks (WANs), and / or public networks, such as the Internet) via a network adapter 20. As shown, the network adapter 20 communicates with other modules of the server 12 via a bus 18. It should be understood that, although not shown in the figure, other hardware and / or software modules may be used in conjunction with the server 12, including, but not limited to, microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0086] The processing unit 16 executes various functional applications and data processing by running the program stored in the system memory 28, such as implementing the method for displaying the payment method provided in any embodiment of the present invention. That is, when a repayment application of a user is obtained, the transaction information of the repayment application is obtained; wherein the transaction information includes the repayment type and / or the fund provider; according to the transaction information of the repayment application, at least one matching alternative payment method is obtained; according to the channel payment proportion and the channel payment proportion threshold of at least one of the alternative payment methods, a target payment method is obtained from the at least one alternative payment method; and the target payment method is displayed to the user.

[0087] Embodiment 4

[0088] Embodiment 4 of the present invention further provides a computer-readable storage medium on which a computer program is stored. When the program is executed by a processor, the method for displaying a payment method as described in any embodiment of the present invention is implemented; the method includes:

[0089] When a repayment application from a user is obtained, the transaction information of the repayment application is obtained; wherein the transaction information includes the repayment type and / or the funding provider;

[0090] Acquire at least one matching alternative payment method according to the transaction information of the repayment application;

[0091] According to the channel payment proportion and the channel payment proportion threshold of at least one of the alternative payment methods, obtaining a target payment method from the at least one alternative payment method;

[0092] The target payment method is presented to the user.

[0093] The computer storage medium of the embodiment of the present invention can adopt any combination of one or more computer-readable media. The computer-readable medium can be a computer-readable signal medium or a computer-readable storage medium. The computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples (non-exhaustive list) of computer-readable storage media include: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this document, a computer-readable storage medium can be any tangible medium containing or storing a program, which can be used by an instruction execution system, device or device or used in combination with it.

[0094] Computer-readable signal media may include data signals propagated in baseband or as part of a carrier wave, which carry computer-readable program code. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than a computer-readable storage medium, which may send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, apparatus, or device.

[0095] Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

[0096] Computer program code for performing the operations of the present invention may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0097] Note that the above are only preferred embodiments of the present invention and the technical principles used. Those skilled in the art will understand that the present invention is not limited to the specific embodiments described herein, and that various obvious changes, readjustments and substitutions can be made by those skilled in the art without departing from the scope of protection of the present invention. Therefore, although the present invention has been described in more detail through the above embodiments, the present invention is not limited to the above embodiments, and may include more other equivalent embodiments without departing from the concept of the present invention, and the scope of the present invention is determined by the scope of the appended claims.

Claims

1. A method for displaying a payment method, characterized in that: include: When a repayment application from a user is obtained, the transaction information of the repayment application is obtained; wherein the transaction information includes the repayment type and the funding provider; Acquire at least one matching alternative payment method according to the transaction information of the repayment application; wherein the payment methods include bank cards, third-party payment platforms and account balances; According to the channel payment proportion and the channel payment proportion threshold of at least one of the alternative payment methods, a target payment method is obtained from the at least one alternative payment method; wherein the channel payment proportion includes the proportion of the channel to which the current payment method belongs in all payment channels, and the proportion of the current payment method in the channel to which it belongs; if the channel payment proportion of the current payment method is greater than or equal to the channel payment proportion threshold, the current payment method is not used as the target payment method; if the channel payment proportion of the current payment method is less than the channel payment proportion threshold, the current payment method is used as the target payment method; Displaying the target payment method to the user; The presenting the target payment method to the user includes: Sorting the target payment methods according to a preset sorting rule; Adjust the sorted target payment methods according to preset adjustment rules; wherein the preset adjustment rules include at least one of a mandatory display rule, a mandatory hiding rule, a bank card adding guidance rule, an account balance activation guidance rule, and a copy adding rule; The adjusted target payment method is displayed to the user.

2. The method according to claim 1, characterized in that The step of obtaining at least one matching alternative payment method according to the transaction information of the repayment application includes: Acquire at least one pre-configured first payment method according to the repayment type of the repayment application; According to the clearing method supported by the fund provider, obtaining at least one matching second payment method; The intersection of the at least one first payment method and the at least one second payment method is used as an alternative payment method.

3. The method according to claim 1, characterized in that If the alternative payment method includes at least one bank card, before obtaining a target payment method from the at least one alternative payment method based on the channel payment ratio and the channel payment ratio threshold of the at least one alternative payment method, the method includes: According to the authentication information, bank card limit information and / or bank card type of the user, an available bank card is obtained from the at least one bank card; wherein the bank card type includes a clearing bank card and / or a non-clearing bank card; The acquiring a target payment method from the at least one alternative payment method according to the channel payment ratio and the channel payment ratio threshold of the at least one alternative payment method comprises: According to the channel payment proportion and the channel payment proportion threshold of the available bank cards, a target bank card is obtained from the available bank cards, and the target bank card is added to the target payment method.

4. The method according to claim 1, characterized in that: If the alternative payment methods include at least one third-party payment platform, before obtaining a target payment method from the at least one alternative payment method based on the channel payment ratio and the channel payment ratio threshold of the at least one alternative payment method, the method includes: According to the third-party payment platform limit information, obtaining an available third-party payment platform from the at least one third-party payment platform; The acquiring a target payment method from the at least one alternative payment method according to the channel payment ratio and the channel payment ratio threshold of the at least one alternative payment method comprises: According to the channel payment proportion and the channel payment proportion threshold of the available third-party payment platform, a target third-party payment platform is obtained from the available third-party payment platforms, and the target third-party payment platform is added to the target payment method.

5. The method according to claim 1, characterized in that If the alternative payment method includes an account balance, before obtaining a target payment method from the at least one alternative payment method based on the channel payment ratio and the channel payment ratio threshold of at least one of the alternative payment methods, the method includes: Determining whether the user's account balance is available according to the user's account balance authority information and / or account balance limit information; The acquiring a target payment method from the at least one alternative payment method according to the channel payment ratio and the channel payment ratio threshold of the at least one alternative payment method comprises: If it is determined that the user's account balance is available, it is determined whether to add the account balance to the target payment method based on the channel payment ratio of the account balance and the channel payment ratio threshold.

6. A payment method display device, characterized in that: include: A transaction information acquisition module, used to acquire the transaction information of the repayment application when acquiring the repayment application of the user; wherein the transaction information includes the repayment type and the funding provider; An alternative payment method acquisition module, used to acquire at least one matching alternative payment method according to the transaction information of the repayment application; wherein the payment methods include bank cards, third-party payment platforms and account balances; A target payment method acquisition module, configured to acquire a target payment method from at least one of the alternative payment methods according to a channel payment ratio and a channel payment ratio threshold of at least one of the alternative payment methods; wherein the channel payment ratio includes the ratio of the channel to which the current payment method belongs in all payment channels, and the ratio of the current payment method in the channel to which it belongs; if the channel payment ratio of the current payment method is greater than or equal to the channel payment ratio threshold, the current payment method is not used as the target payment method; if the channel payment ratio of the current payment method is less than the channel payment ratio threshold, the current payment method is used as the target payment method; A display execution module, used for displaying the target payment method to the user; The display execution module is specifically used to sort the target payment methods according to preset sorting rules; adjust the sorted target payment methods according to preset adjustment rules; wherein the preset adjustment rules include at least one of forced display rules, forced hiding rules, bank card adding guidance rules, account balance activation guidance rules and text adding rules; and display the adjusted target payment method to the user.

7. A server, characterized in that: The server comprises: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the payment method display method as described in any one of claims 1-5.

8. A storage medium comprising computer executable instructions, wherein the computer executable instructions are used to execute the payment method display method as described in any one of claims 1 to 5 when executed by a computer processor.

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