VIP user payment link optimization method and device, equipment and storage medium

Abstract

The invention relates to a VIP user payment link optimization method, and aims to solve the problem of how to simplify a payment process and ensure the consistency of payment information in a VIP user payment process. Firstly, a gateway receives a payment request sent by a VIP user through a mobile application program, and calls a member center service to obtain VIP information of the VIP user. Then, the VIP user information is added to a request header of the payment request, and the request header is sent to a payment processing module; and the payment processing module completes a payment service according to the payment request and returns a payment result to the gateway. And finally, the gateway sends the payment result to the VIP user. According to the invention, the VIP user information is acquired by calling the member center service on the gateway level in a centralized manner, so that the condition that each payment module repeatedly calls the member center is avoided, the consistent VIP user information is ensured to be contained in all payment requests, and the payment failure risk caused by inconsistent information is reduced.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to a VIP user payment link optimization method, device, equipment and storage medium. Background Art

[0002] With the rapid development of e-commerce and mobile payment, more and more users choose to make online payments through mobile applications. Especially for VIP users, it is particularly important to provide an efficient and reliable payment experience. However, there are often various problems in the existing payment links.

[0003] In the existing VIP user payment solution, when users experience online business, such as purchasing car services or shopping mall products, they need to complete the payment through their respective transaction modules, which will lead to the following problems:

[0004] The payment process is complex: When VIP users experience online business in the APP, they need to experience multiple different online payment services at one time, such as purchasing gas services for car services, purchasing goods in the mall, etc. Each transaction module needs to request the member center separately to obtain the user's VIP information, and then perform specific online payment logic processing.

[0005] Inconsistent information acquisition: Each underlying service payment module (such as refueling, car washing, shopping malls, etc.) needs to call the membership center separately to obtain the user's VIP information. Due to interface timeout exceptions and other reasons, the user VIP information obtained by different services may be inconsistent. For example, a user is originally a VIP user, but due to a timeout in calling the membership center interface, the subsequent payment logic is processed as an ordinary user.

[0006] High transformation cost: Each service needs to undergo code transformation and connect to the member center. There are too many services involved in the transformation, and the manpower cost is high. At the same time, each service needs to report the request information of VIP users to the service governance platform, which increases the code logic complexity and transformation cost of the underlying services.

[0007] Lack of centralized management: After processing the user's online payment logic, each transaction module will report the VIP user information to the service governance platform to facilitate subsequent monitoring and alarm mechanism processing. This decentralized processing method lacks centralized management and is not conducive to unified monitoring and optimization. Summary of the invention

[0008] The main purpose of the present invention is to provide a VIP user payment link optimization method, device, equipment and storage medium, aiming to solve the technical problem of how to simplify the payment process and ensure the consistency of payment information during the VIP user payment process.

[0009] To achieve the above object, the present invention provides a VIP user payment link optimization method, comprising the following steps:

[0010] The gateway receives the payment request sent by the VIP user through the mobile application, and calls the member center service to obtain the VIP user information of the VIP user;

[0011] Add the VIP user information to the request header of the payment request, and send the payment request to the payment processing module;

[0012] The payment processing module completes the payment service according to the payment request and returns the payment result to the gateway, and the gateway sends the payment result to the user.

[0013] Optionally, after the step of the gateway sending the payment result to the user, the step further includes:

[0014] The gateway uploads the VIP user information and the payment result to the service management platform through an asynchronous message queue.

[0015] Optionally, after the step of uploading the VIP user information and the payment result to the service governance platform through the asynchronous message queue, the gateway further includes:

[0016] The service governance platform detects whether there is any abnormality in the payment process based on the VIP user information and the payment result;

[0017] When an abnormal situation is detected, the service governance platform triggers an alarm mechanism to notify the operation and maintenance personnel to handle the abnormal situation.

[0018] Optionally, after the step of uploading the VIP user information and the payment result to the service governance platform through the asynchronous message queue, the gateway further includes:

[0019] The service governance platform performs data analysis on VIP user information and payment results received within a preset time period and generates an analysis report, which includes an analysis of abnormal situations.

[0020] Optionally, after the step of generating an analysis report, the step further includes:

[0021] The service governance platform automatically generates a corresponding payment optimization plan for the abnormal situation based on the abnormal situation analysis in the analysis report. The payment optimization plan is automatically executed by the service governance platform or by operation and maintenance personnel.

[0022] Optionally, after the step of automatically forming a corresponding payment optimization plan for the abnormal situation, the method further includes:

[0023] The service governance platform automatically executes the payment optimization plan and collects the abnormal state generation rate and user satisfaction after the payment optimization plan is executed;

[0024] The payment optimization scheme is evaluated according to the abnormal state generation rate and user satisfaction, and an effect evaluation report of the payment optimization scheme is obtained.

[0025] Optionally, after the step of uploading the VIP user information and the payment result to the service governance platform through the asynchronous message queue, the gateway further includes:

[0026] The service governance platform obtains the historical payment records of the VIP user from the member center service, and obtains the behavior data of the VIP user from the mobile application;

[0027] Analyze the behavior data and historical payment records of the VIP users to identify the payment habits and preferences of the VIP users;

[0028] Generate personalized payment suggestions and preferential measures based on the payment habits and preferences of the VIP user, and apply the personalized payment suggestions and preferential measures to the payment process of the VIP user.

[0029] Furthermore, in order to achieve the above-mentioned purpose, the present invention also provides a VIP user payment link optimization device, the VIP user payment link optimization device comprising:

[0030] VIP information acquisition module, the gateway receives the payment request sent by the VIP user through the mobile application, and calls the member center service to obtain the VIP user information of the VIP user;

[0031] A payment request building module, which adds the VIP user information to the request header of the payment request and sends the payment request to the payment processing module;

[0032] A payment result processing module, wherein the payment processing module completes the payment service according to the payment request and returns the payment result to the gateway, and the gateway sends the payment result to the user.

[0033] Furthermore, to achieve the above-mentioned purpose, the present invention also provides a VIP user payment link optimization device, which includes a memory, a processor, and a VIP user payment link optimization program stored in the memory and executable on the processor, and the VIP user payment link optimization program, when executed by the processor, implements the steps of the VIP user payment link optimization method described above.

[0034] Furthermore, to achieve the above-mentioned purpose, the present invention also provides a computer storage medium, on which a VIP user payment link optimization program is stored, and when the VIP user payment link optimization program is executed by a processor, the steps of the VIP user payment link optimization method described above are implemented.

[0035] The present invention relates to a VIP user payment link optimization method, which aims to solve the problem of how to simplify the payment process and ensure the consistency of payment information during the VIP user payment process. First, the gateway receives the payment request sent by the VIP user through the mobile application, and calls the member center service to obtain the VIP information of the VIP user. Then, the VIP user information is added to the request header of the payment request and sent to the payment processing module. The payment processing module completes the payment service according to the payment request and returns the payment result to the gateway. Finally, the gateway sends the payment result to the VIP user. The present invention avoids the situation where each payment module repeatedly calls the member center by centrally calling the member center service at the gateway level to obtain VIP user information, while ensuring that all payment requests contain consistent VIP user information, reducing the risk of payment failure due to inconsistent information. BRIEF DESCRIPTION OF THE DRAWINGS

[0036] Figure 1 A schematic diagram of the structure of the device hardware operating environment involved in the embodiment of the VIP user payment link optimization device of the present invention;

[0037] Figure 2 This is a flow chart of the first embodiment of the VIP user payment link optimization method of the present invention;

[0038] Figure 3 This is a functional module diagram of a preferred embodiment of the VIP user payment link optimization device of the present invention.

[0039] The realization of the purpose, functional features and advantages of the present invention will be further explained in conjunction with embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0040] It should be understood that the specific embodiments described herein are only used to explain the present invention, and are not used to limit the present invention.

[0041] It should be noted that with the rapid development of e-commerce and mobile payment, more and more users choose to make online payments through mobile applications. Especially for VIP users, it is particularly important to provide an efficient and reliable payment experience. However, there are often various problems in the existing payment links.

[0042] In the existing VIP user payment solution, when users experience online business, such as purchasing car services or shopping mall products, they need to complete the payment through their respective transaction modules, which will lead to the following problems:

[0043] The payment process is complex: When VIP users experience online business in the APP, they need to experience multiple different online payment services at one time, such as purchasing gas services for car services, purchasing goods in the mall, etc. Each transaction module needs to request the member center separately to obtain the user's VIP information, and then perform specific online payment logic processing.

[0044] Inconsistent information acquisition: Each underlying service payment module (such as refueling, car washing, shopping malls, etc.) needs to call the membership center separately to obtain the user's VIP information. Due to interface timeout exceptions and other reasons, the user VIP information obtained by different services may be inconsistent. For example, a user is originally a VIP user, but due to a timeout in calling the membership center interface, the subsequent payment logic is processed as an ordinary user.

[0045] High transformation cost: Each service needs to undergo code transformation and connect to the member center. There are too many services involved in the transformation, and the manpower cost is high. At the same time, each service needs to report the request information of VIP users to the service governance platform, which increases the code logic complexity and transformation cost of the underlying services.

[0046] Lack of centralized management: After processing the user's online payment logic, each transaction module will report the VIP user information to the service governance platform to facilitate subsequent monitoring and alarm mechanism processing. This decentralized processing method lacks centralized management and is not conducive to unified monitoring and optimization.

[0047] Based on the above defects, the present invention provides a VIP user payment link optimization device, referring to Figure 1 , Figure 1 It is a structural schematic diagram of the device hardware operating environment involved in the embodiment of the VIP user payment link optimization device of the present invention.

[0048] like Figure 1As shown, the VIP user payment link optimization device may include: a processor 1001, such as a CPU, a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005. Among them, the communication bus 1002 is used to realize the connection and communication between these components. The user interface 1003 may include a display screen (Display), an input unit such as a keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface and a wireless interface. The network interface 1004 may optionally include a standard wired interface and a wireless interface (such as a WI-FI interface). The memory 1005 may be a high-speed RAM memory, or a stable memory (non-volatile memory), such as a disk memory. The memory 1005 may also be a storage device independent of the aforementioned processor 1001.

[0049] Those skilled in the art will understand that Figure 1 The hardware structure of the VIP user payment link optimization device shown in the figure does not constitute a limitation of the VIP user payment link optimization device, and may include more or fewer components than shown in the figure, or a combination of certain components, or a different arrangement of components.

[0050] like Figure 1 As shown, the memory 1005 as a storage medium may include an operating system, a network communication module, a user interface module, and a VIP user payment link optimization program. The operating system is a program for managing and controlling the VIP user payment link optimization device and software resources, and supports the operation of the network communication module, the user interface module, the VIP user payment link optimization program, and other programs or software; the network communication module is used to manage and control the network interface 1004; and the user interface module is used to manage and control the user interface 1003.

[0051] exist Figure 1 In the hardware structure of the VIP user payment link optimization device shown, the network interface 1004 is mainly used to connect to the backend server and perform data communication with the backend server; the user interface 1003 is mainly used to connect to the client and perform data communication with the client; the processor 1001 can call the VIP user payment link optimization program stored in the memory 1005 and perform the following operations:

[0052] The gateway receives the payment request sent by the VIP user through the mobile application, and calls the member center service to obtain the VIP user information of the VIP user;

[0053] Add the VIP user information to the request header of the payment request, and send the payment request to the payment processing module;

[0054] The payment processing module completes the payment service according to the payment request and returns the payment result to the gateway, and the gateway sends the payment result to the user.

[0055] Furthermore, after the step of the gateway sending the payment result to the user, the step further includes:

[0056] The gateway uploads the VIP user information and the payment result to the service management platform through an asynchronous message queue.

[0057] Furthermore, after the gateway uploads the VIP user information and the payment result to the service governance platform through the asynchronous message queue, it also includes:

[0058] The service governance platform detects whether there is any abnormality in the payment process based on the VIP user information and the payment result;

[0059] When an abnormal situation is detected, the service governance platform triggers an alarm mechanism to notify the operation and maintenance personnel to handle the abnormal situation.

[0060] Furthermore, after the gateway uploads the VIP user information and the payment result to the service governance platform through the asynchronous message queue, it also includes:

[0061] The service governance platform performs data analysis on VIP user information and payment results received within a preset time period and generates an analysis report, which includes an analysis of abnormal situations.

[0062] Furthermore, after the step of generating the analysis report, the following steps are further included:

[0063] The service governance platform automatically generates a corresponding payment optimization plan for the abnormal situation based on the abnormal situation analysis in the analysis report. The payment optimization plan is automatically executed by the service governance platform or by operation and maintenance personnel.

[0064] Furthermore, after the step of automatically forming a corresponding payment optimization plan for the abnormal situation, the method further includes:

[0065] The service governance platform automatically executes the payment optimization plan and collects the abnormal state generation rate and user satisfaction after the payment optimization plan is executed;

[0066] The payment optimization scheme is evaluated according to the abnormal state generation rate and user satisfaction, and an effect evaluation report of the payment optimization scheme is obtained.

[0067] Furthermore, after the gateway uploads the VIP user information and the payment result to the service governance platform through the asynchronous message queue, it also includes:

[0068] The service governance platform obtains the historical payment records of the VIP user from the member center service, and obtains the behavior data of the VIP user from the mobile application;

[0069] Analyze the behavior data and historical payment records of the VIP users to identify the payment habits and preferences of the VIP users;

[0070] Generate personalized payment suggestions and preferential measures based on the payment habits and preferences of the VIP user, and apply the personalized payment suggestions and preferential measures to the payment process of the VIP user.

[0071] The specific implementation of the VIP user payment link optimization device of the present invention is basically the same as the various embodiments of the VIP user payment link optimization method described below, and will not be repeated here.

[0072] The present invention also provides a VIP user payment link optimization method based on the VIP user payment link optimization device.

[0073] Reference Figure 2 , Figure 2 This is a flow chart of the first embodiment of the VIP user payment link optimization method of the present invention.

[0074] The embodiment of the present invention provides an embodiment of a method for optimizing a payment link for VIP users. It should be noted that although a logical sequence is shown in the flow chart, in some cases, the steps shown or described may be performed in an order different from that shown here.

[0075] The VIP user payment link optimization method comprises:

[0076] Step S10, the gateway receives a payment request sent by a VIP user through a mobile application, and calls a member center service to obtain VIP user information of the VIP user;

[0077] With the rapid development of e-commerce and mobile payment, more and more users choose to make online payments through mobile applications. Especially for VIP users, it is particularly important to provide an efficient and reliable payment experience. However, there are often various problems in the existing payment links.

[0078] In the existing VIP user payment solution, when users experience online business, such as purchasing car services or shopping mall products, they need to complete the payment through their respective transaction modules, which will lead to the following problems:

[0079] The payment process is complex: When VIP users experience online business in the APP, they need to experience multiple different online payment services at one time, such as purchasing gas services for car services, purchasing goods in the mall, etc. Each transaction module needs to request the member center separately to obtain the user's VIP information, and then perform specific online payment logic processing.

[0080] Inconsistent information acquisition: Each underlying service payment module (such as refueling, car washing, shopping malls, etc.) needs to call the membership center separately to obtain the user's VIP information. Due to interface timeout exceptions and other reasons, the user VIP information obtained by different services may be inconsistent. For example, a user is originally a VIP user, but due to a timeout in calling the membership center interface, the subsequent payment logic is processed as an ordinary user.

[0081] High transformation cost: Each service needs to undergo code transformation and connect to the member center. There are too many services involved in the transformation, and the manpower cost is high. At the same time, each service needs to report the request information of VIP users to the service governance platform, which increases the code logic complexity and transformation cost of the underlying services.

[0082] Lack of centralized management: After processing the user's online payment logic, each transaction module will report the VIP user information to the service governance platform to facilitate subsequent monitoring and alarm mechanism processing. This decentralized processing method lacks centralized management and is not conducive to unified monitoring and optimization.

[0083] In this embodiment, the explanation of relevant technical features is as follows:

[0084] Gateway: In computer networks, a gateway is a device that can forward data between different networks. In the present invention, the gateway is responsible for receiving payment requests from users and performing preliminary processing.

[0085] VIP users: refers to users with privileged or high-level membership in the system. These users usually enjoy higher service priority or special discounts.

[0086] Mobile Application: refers to a software application that runs on a smartphone or other mobile device and through which users make payments.

[0087] Payment request: A request sent by a user through a mobile application, containing information such as payment amount and payment method.

[0088] Member Center Service: Services used to manage and maintain member information, including obtaining user VIP information, member level, etc.

[0089] VIP user information: including user identity information, membership level, account status, etc.

[0090] A specific implementation method may be: when a VIP user initiates a payment request in a mobile application, the application sends the payment request to a gateway. The payment request includes information such as user identification, payment amount, and payment method.

[0091] After receiving the payment request, the gateway calls the member center service through the interface. The member center service queries the user's VIP information based on the user ID and returns information including user identity, membership level, account status, etc.

[0092] The gateway adds the acquired VIP user information to the request header of the payment request to form a complete payment request, which is then sent to the payment processing module for further payment processing.

[0093] Example description:

[0094] User A opens the Good Car Owner APP, chooses to purchase a refueling service, enters the payment amount and clicks Pay. The mobile application generates a payment request and sends the payment request to the gateway. After receiving the payment request, the gateway calls the Member Center service to obtain the VIP information of User A and determines that User A is a gold member. The Member Center service returns the VIP information of User A, including the membership level and account status. The gateway adds the VIP information of User A to the request header of the payment request and sends the complete payment request to the payment processing module. The payment processing module completes the payment service based on the payment request containing the VIP information and returns the payment result to the gateway. The gateway sends the payment result to User A to notify him that the payment is successful.

[0095] By uniformly acquiring and processing VIP user information, the payment process can be simplified, information consistency and payment success rate can be improved, and system transformation costs can be reduced.

[0096] Step S20, adding the VIP user information to the request header of the payment request, and sending the payment request to the payment processing module;

[0097] In this embodiment, the payment processing module refers to a module responsible for processing payment requests, completing operations such as payment verification, payment execution, and payment result return.

[0098] The gateway obtains VIP user information by calling the member center service. VIP user information includes user ID, membership level, account status, etc. After receiving the VIP user information, the gateway adds this information to the request header of the payment request. The request header of the payment request will contain the identity information, membership level, etc. of the VIP user so that the payment processing module can identify and process it. The gateway sends the complete payment request containing the VIP user information to the payment processing module. After receiving the payment request, the payment processing module performs payment verification and processing, and returns the payment result to the gateway.

[0099] Example description:

[0100] User B purchases goods from the mall through the Good Car Owner APP, selects a payment method and initiates a payment request. The mobile application generates a payment request and sends it to the gateway. After receiving the payment request, the gateway calls the member center service to obtain the VIP information of user B and determines that user B is a platinum member. The member center service returns the VIP information of user B, including the membership level and account status. The gateway adds the VIP information of user B to the request header of the payment request and generates a complete payment request. The gateway sends the complete payment request to the payment processing module. The payment processing module performs payment verification and processing based on the payment request containing VIP information, completes the payment service, and returns the payment result to the gateway. The gateway sends the payment result to user B to notify him that the payment is successful.

[0101] By adding VIP user information to the request header of the payment request and sending the payment request to the payment processing module, the consistency and accuracy of the payment information is ensured, the payment success rate is improved, and the payment process is simplified.

[0102] Step S30, the payment processing module completes the payment service according to the payment request and returns the payment result to the gateway, and the gateway sends the payment result to the user.

[0103] In this embodiment, the payment result refers to the result generated by the payment processing module after processing the payment request, including information such as whether the payment is successful, the transaction number, and the payment time.

[0104] First, the payment processing module receives a payment request containing VIP user information. The payment processing module verifies the payment request, including the legitimacy of the payment information, the user account balance, the payment method, etc. The payment processing module performs the payment operation and completes the fund transfer or deduction operation. The payment processing module updates the payment status and generates a payment result. The payment processing module returns the payment result to the gateway. The payment result includes information such as whether the payment is successful, the transaction number, and the payment time. After receiving the payment result, the gateway sends the payment result to the user to inform the user of the payment status.

[0105] Example description:

[0106] User C chooses to purchase a refueling service through the Good Car Owner APP, enters payment information and initiates a payment request. The mobile application generates a payment request and sends it to the gateway. After receiving the payment request, the gateway calls the Member Center service to obtain the VIP information of user C and confirms that user C is a diamond member. The Member Center service returns the VIP information of user C, including the membership level and account status.

[0107] The gateway adds the VIP information of user C to the request header of the payment request to generate a complete payment request. The gateway sends the complete payment request to the payment processing module.

[0108] After receiving the payment request containing the VIP information, the payment processing module performs payment verification to confirm the legitimacy of the payment information and the user's account balance. The payment processing module finds that the account balance of user C is insufficient and cannot complete the payment.

[0109] The payment processing module generates a payment failure result, including the payment failure status, error code, and error description. The payment processing module returns the payment failure result to the gateway. After receiving the payment failure result, the gateway sends the payment failure result to user C to notify him of the payment failure and provides error information so that the user can understand the reason for the failure.

[0110] The payment processing module completes the payment transaction according to the payment request and returns the payment result to the gateway, which then sends the payment result to the user, ensuring the integrity of the payment process and the consistency of information, thereby improving the user payment experience.

[0111] The present invention relates to a VIP user payment link optimization method, which aims to solve the problem of how to simplify the payment process and ensure the consistency of payment information during the VIP user payment process. First, the gateway receives the payment request sent by the VIP user through the mobile application, and calls the member center service to obtain the VIP information of the VIP user. Then, the VIP user information is added to the request header of the payment request and sent to the payment processing module. The payment processing module completes the payment service according to the payment request and returns the payment result to the gateway. Finally, the gateway sends the payment result to the VIP user. The present invention avoids the situation where each payment module repeatedly calls the member center by centrally calling the member center service at the gateway level to obtain VIP user information, while ensuring that all payment requests contain consistent VIP user information, reducing the risk of payment failure due to inconsistent information.

[0112] Furthermore, a second embodiment of the VIP user payment link optimization method of the present invention is proposed, after the above step S30, it also includes:

[0113] Step a1, the gateway uploads the VIP user information and the payment result to the service management platform through an asynchronous message queue.

[0114] In this embodiment, asynchronous message queue (MQ) refers to a mechanism for transmitting messages between different systems or components to ensure reliable message transmission and decoupling of processing. Service governance platform refers to a unified platform for monitoring and managing system services, including functions such as exception monitoring and alarm processing.

[0115] After receiving the payment result returned by the payment processing module, the gateway sends the payment result to the user to inform the user of the payment status. After sending the payment result to the user, the gateway uploads the VIP user information and payment result to the service governance platform through the asynchronous message queue. The asynchronous message queue ensures the reliable delivery of messages, and ensures that the message is eventually processed even if the system fails in some cases.

[0116] After receiving VIP user information and payment results from the gateway, the service governance platform conducts unified monitoring and management. Based on this information, the service governance platform can perform anomaly detection, alarm processing and data analysis to improve system reliability and user experience.

[0117] Example description:

[0118] User D chooses to purchase a refueling service through the Good Car Owner APP, enters payment information and initiates a payment request. The mobile application generates a payment request and sends it to the gateway. After receiving the payment request, the gateway calls the Member Center service to obtain the VIP information of user E and determines that user D is a platinum member. The Member Center service returns the VIP information of user D, including the membership level and account status.

[0119] The gateway adds the VIP information of user D to the request header of the payment request to generate a complete payment request. The gateway sends the complete payment request to the payment processing module.

[0120] After receiving the payment request containing VIP information, the payment processing module performs payment verification to confirm the legitimacy of the payment information and the user account balance. The payment processing module executes the payment operation, completes the fund deduction, and updates the payment status. The payment processing module generates a payment result, including the payment success status, transaction number, and payment time, and returns the payment result to the gateway. After receiving the payment result, the gateway sends the payment result to user D to notify him that the payment is successful.

[0121] The gateway uploads user D's VIP information and payment results to the service governance platform through an asynchronous message queue. After receiving the information, the service governance platform conducts unified monitoring and management, performs anomaly detection and alarm processing based on this information, and generates data analysis reports to improve system reliability and user experience.

[0122] This embodiment uploads VIP user information and payment results to the service governance platform through an asynchronous message queue, realizes unified monitoring and management of system services, and improves system reliability and user experience.

[0123] Furthermore, a third embodiment of the VIP user payment link optimization method of the present invention is proposed, after the above step a1, it also includes:

[0124] Step b1, the service governance platform detects whether there is any abnormality in the payment process according to the VIP user information and the payment result;

[0125] Step b2: When an abnormal situation is detected, the service governance platform triggers an alarm mechanism to notify the operation and maintenance personnel to handle the abnormal situation.

[0126] In this embodiment, abnormal situations refer to various problems that may occur during the payment process, such as payment failure, timeout, inconsistent information, etc. The alarm mechanism means that when an abnormal situation is detected, the system automatically triggers an alarm and notifies the operation and maintenance personnel to handle it in time.

[0127] After the gateway sends the payment result to the user, it uploads the VIP user information and payment result to the service governance platform through the asynchronous message queue. The asynchronous message queue ensures the reliable delivery of messages, and ensures that the message is eventually processed even if the system fails in some cases.

[0128] After receiving the VIP user information and payment results from the gateway, the service governance platform conducts data analysis and anomaly detection to detect whether there are any abnormalities in the payment process, such as payment failure, timeout, inconsistent information, etc.

[0129] Define a series of detection rules in the service governance platform to identify possible anomalies in the payment process. These rules can be formulated based on historical data, expert experience and business logic.

[0130] For example, detection rules can include the following:

[0131] Payment timeout detection: If the payment processing time exceeds the set threshold, the payment is considered to have timed out.

[0132] Payment failure detection: If the payment result status is failed, the payment is considered failed.

[0133] Amount mismatch detection: If the payment amount is inconsistent with the order amount, the amount is considered mismatched.

[0134] VIP information anomaly detection: If VIP user information is missing or inconsistent with the member center data, the VIP information is considered abnormal.

[0135] The service governance platform monitors the received VIP user information and payment results in real time and performs detection according to predefined detection rules. The monitoring process includes data comparison, anomaly identification, and status update. The detected anomalies are recorded and an anomaly log is generated. The anomaly log includes the anomaly type, detection time, anomaly description, and handling suggestions. The log management system classifies and stores the anomaly logs for subsequent query and analysis.

[0136] When the service governance platform detects an abnormal situation, the system automatically triggers the alarm mechanism. Alarm information is generated, including the abnormality type, abnormality description, possible causes and handling suggestions. The alarm information is notified to the operation and maintenance personnel through email, SMS or instant messaging, prompting them to handle the abnormal situation in a timely manner.

[0137] After receiving the alarm information, the operation and maintenance personnel will handle it according to the processing suggestions in the alarm information. The operation and maintenance personnel can view the abnormal log and detailed information through the service governance platform, analyze the cause of the abnormality, and formulate a processing plan. After the processing is completed, the abnormal status is updated and the processing results are recorded in the service governance platform.

[0138] Example description:

[0139] The gateway uploads user G's VIP information and payment results to the service governance platform through an asynchronous message queue. After receiving the data, the service governance platform stores it in the database.

[0140] Data preprocessing and rule definition: The service governance platform preprocesses and cleanses the received data. Define payment timeout detection rules in the service governance platform: If the payment processing time exceeds 30 seconds, the payment is considered to have timed out.

[0141] Real-time monitoring and anomaly detection: The service governance platform monitors the payment results of user G in real time and finds that the payment processing time is 35 seconds, which exceeds the set threshold. The service governance platform identifies the payment timeout anomaly based on the payment timeout detection rules.

[0142] Exception recording and log management: The service governance platform records payment timeout exceptions and generates exception logs, including detection time, exception description (payment processing time timeout), possible causes (network delay) and handling suggestions (check network connection).

[0143] Triggering the alarm mechanism and operation and maintenance processing: The service governance platform triggers the alarm mechanism and notifies the operation and maintenance personnel through email and SMS, prompting them to handle the payment timeout exception. After receiving the alarm information, the operation and maintenance personnel log in to the service governance platform to view the exception log and analyze the cause of the exception. The operation and maintenance personnel check the network connection and make necessary adjustments to solve the payment timeout problem. After the processing is completed, the operation and maintenance personnel update the exception status in the service governance platform and record the processing results.

[0144] This embodiment detects whether there are any abnormalities in the payment process based on VIP user information and payment results, and triggers an alarm mechanism when an abnormality is detected to notify operation and maintenance personnel to handle it, thereby ensuring the stability and reliability of the system.

[0145] Furthermore, a fourth embodiment of the VIP user payment link optimization method of the present invention is proposed, after the above step a1, it also includes:

[0146] Step c1, the service governance platform performs data analysis on the VIP user information and payment results received within a preset time period and generates an analysis report, wherein the analysis report includes an abnormal situation analysis.

[0147] In this embodiment, the preset time period refers to a pre-set time range for periodic analysis of data. Data analysis refers to statistics and analysis of collected data to identify abnormal situations and trends in the payment process. Analysis report refers to summarizing and presenting the results of data analysis, providing detailed analysis of abnormal situations and handling suggestions.

[0148] After sending the payment result to the user, the gateway uploads the VIP user information and payment result to the service governance platform through the asynchronous message queue. The asynchronous message queue ensures the reliable delivery of messages, and ensures that the message is eventually processed even if the system fails in some cases. The service governance platform stores the received VIP user information and payment results in the database for subsequent analysis and processing. The received data is pre-processed, cleaned, and duplicate and invalid data is removed to ensure data accuracy.

[0149] During the preset time period, the service governance platform collects statistics and analyzes the received VIP user information and payment results. The analysis includes payment success rate, payment failure reasons, abnormal situation frequency, etc.

[0150] The service governance platform generates an analysis report based on the data analysis results. The analysis report includes an analysis of abnormal situations, which describes in detail the abnormal situations, possible causes and handling suggestions that occurred during the payment process.

[0151] In the analysis report, the abnormal situation is analyzed in detail to identify the abnormal type, frequency of occurrence and scope of impact. Treatment suggestions are provided to help operation and maintenance personnel solve problems in a timely manner and improve the stability and reliability of the system.

[0152] Example description:

[0153] User H purchases a refueling service through the Good Car Owner APP and initiates a payment request. The gateway receives the payment request from user H and calls the member center service to obtain the VIP information of user H. The member center service returns the VIP information of user H (such as diamond membership). The gateway adds the VIP information to the payment request and sends the request to the payment processing module. After the payment processing is completed, the payment processing module returns the payment result to the gateway. The gateway sends the payment result to user H and uploads the VIP user information and payment result to the service governance platform through an asynchronous message queue. After receiving this information, the service governance platform stores it in the database.

[0154] The service governance platform cleans the received data, removes redundant and invalid data, and ensures the accuracy of the data. Within a preset time period (such as one week), the service governance platform collects statistics and analyzes VIP user information and payment results. The analysis includes:

[0155] Payment success rate: Calculate the success rate of all payment requests within a week.

[0156] Payment Failure Rate: Calculates the failure rate of all payment requests within a week.

[0157] Frequency of abnormal situations: Statistics of various abnormal situations and their frequencies that occur during the payment process.

[0158] The service governance platform generates an analysis report based on the data analysis results. The analysis report includes:

[0159] Payment success rate: For example, the success rate is 95%.

[0160] Payment failure rate: For example, the failure rate is 5%.

[0161] Analysis of abnormal situations: The main reasons for payment failure are network problems, insufficient account balance, etc.

[0162] In the analysis report, the service governance platform conducts a detailed analysis of abnormal situations that occur during the payment process. For example, the payment failure rate is 5%, of which 70% of the failures are due to network problems, 20% are due to insufficient account balance, and 10% are due to other reasons.

[0163] Solution:

[0164] Provide handling suggestions for each abnormal situation. For example:

[0165] Network problem: It is recommended to optimize the network connection to improve the system response speed.

[0166] Insufficient account balance: Users are advised to check their account balance before making payments, or a balance reminder service is provided.

[0167] Other reasons: Provide appropriate treatment measures based on the specific circumstances.

[0168] The operation and maintenance personnel refer to the abnormal situation analysis in the analysis report and deal with the problems in the payment process in a timely manner. The operation and maintenance personnel improve the system performance, payment success rate and user satisfaction according to the processing suggestions in the analysis report.

[0169] In this embodiment, by analyzing the VIP user information and payment results received within a preset time period, the service governance platform can generate an analysis report including abnormal situation analysis. This not only helps to monitor the operation status of the payment link in real time, identify and handle abnormal problems in a timely manner, but also provides a basis for optimizing the payment process and system performance, thereby improving the payment success rate and system stability, and ultimately improving the payment experience and satisfaction of VIP users.

[0170] Furthermore, a fifth embodiment of the VIP user payment link optimization method of the present invention is proposed. In the above step c1, after the step of generating an analysis report, the method further includes:

[0171] Step d1, the service governance platform automatically generates a corresponding payment optimization plan for the abnormal situation based on the abnormal situation analysis in the analysis report. The payment optimization plan is automatically executed by the service governance platform or by the operation and maintenance personnel.

[0172] In this embodiment, the explanation of relevant technical features is as follows:

[0173] Generate analysis report: The service governance platform generates a report by analyzing the VIP user information and payment results received within a preset time period, including a detailed analysis of abnormal situations in the payment process.

[0174] Abnormal situation analysis: The analysis report provides a detailed description of abnormal situations that occur during the payment process, including the type of abnormality, frequency of occurrence and possible causes.

[0175] Payment optimization plan: In response to abnormal situations, the service governance platform generates optimization measures or plans, aiming to improve the payment process, increase the payment success rate and system stability.

[0176] Automatic execution: The service governance platform can automatically execute payment optimization plans and implement system adjustments and improvements.

[0177] Execution by operation and maintenance personnel: When manual intervention is required, operation and maintenance personnel manually adjust and improve the system according to the optimization plan.

[0178] A specific implementation method may be: the service governance platform performs data analysis on the VIP user information and payment results received within a preset time period and generates an analysis report. The analysis report includes a detailed analysis of abnormalities in the payment process. The service governance platform identifies the abnormality type, frequency of occurrence, and possible causes based on the abnormality analysis in the analysis report. For example, the main reason for payment failure may be network delay or insufficient account balance.

[0179] The service governance platform automatically generates payment optimization solutions for abnormal situations based on abnormal situation analysis. The optimization solutions may include network optimization measures, payment process adjustments, system performance improvements, etc. For optimization measures that can be automatically executed, the service governance platform directly implements adjustments and improvements. For example, optimize network connection configuration, adjust system parameters, etc. For optimization measures that require manual intervention, the service governance platform generates operation instructions and notifies operation and maintenance personnel to handle them. For example, in response to the problem of insufficient account balance, it is recommended that operation and maintenance personnel remind users to check the balance or adjust the payment strategy.

[0180] Example description:

[0181] The gateway uploads user J's VIP information and payment results to the service governance platform through an asynchronous message queue. After receiving the data, the service governance platform stores it in the database. The service governance platform preprocesses and cleans the received data. Within a preset time period (such as one week), the service governance platform collects and analyzes VIP user information and payment results. The service governance platform generates an analysis report based on the data analysis results. The analysis report includes payment success rate, payment failure rate, payment anomalies, etc.

[0182] Abnormal situation analysis: The analysis report describes in detail the abnormal situations that occurred during the payment process, such as payment failure, timeout, etc. For example, the analysis report points out that the main reason for payment failure is network delay, which occurs 5% of the time.

[0183] Generate payment optimization plan: The service governance platform generates payment optimization plan based on abnormal situation analysis. For example, for network delay problems, the optimization plan includes adjusting network configuration and improving system response speed.

[0184] Automatically execute optimization plans: The service governance platform automatically executes optimization plans, adjusts network configuration, and improves system performance.

[0185] Operation and maintenance personnel execute optimization plans: For optimization measures that require manual intervention, the service governance platform generates operation instructions and notifies operation and maintenance personnel to handle them. For example, it is recommended that operation and maintenance personnel check and optimize network connections to reduce latency.

[0186] After generating the analysis report, the service governance platform in this embodiment automatically generates and executes a payment optimization plan based on the abnormal situation analysis, thereby improving the payment process in a timely and effective manner, resolving abnormal problems that arise during the payment process, improving the payment success rate and system stability, and ultimately improving the payment experience and satisfaction of VIP users.

[0187] Furthermore, a sixth embodiment of the VIP user payment link optimization method of the present invention is proposed. In the above step d1, after the step of automatically forming a corresponding payment optimization solution for abnormal situations, the method further includes:

[0188] Step e1, the service governance platform automatically executes the payment optimization plan and collects the abnormal state generation rate and user satisfaction after the payment optimization plan is executed;

[0189] Step e2, evaluating the payment optimization solution according to the abnormal state generation rate and user satisfaction, and obtaining an effect evaluation report of the payment optimization solution.

[0190] In this embodiment, the service governance platform automatically adjusts and improves the system according to the generated payment optimization plan, for example, optimizing network configuration, adjusting payment process parameters, etc.

[0191] After executing the payment optimization plan, the service governance platform continuously monitors the system operation status and collects relevant data. The collected data includes the abnormal state generation rate (such as payment failure rate, timeout rate, etc.) and user satisfaction (obtained through user feedback, satisfaction surveys, etc.).

[0192] The service governance platform evaluates the effectiveness of the payment optimization plan based on the collected data. The evaluation content includes: whether the optimization plan effectively reduces the occurrence of abnormal conditions, improves the payment success rate, and enhances user satisfaction.

[0193] The service governance platform generates an effect evaluation report based on the evaluation results. The report content includes: the implementation effect of the optimization plan, the change in the abnormal state generation rate, the change in user satisfaction, and further optimization suggestions.

[0194] Example description:

[0195] The payment optimization solutions generated by the service governance platform include optimizing network configuration and adjusting payment process parameters. The service governance platform automatically executes these optimization solutions, adjusts network configuration, and improves system performance.

[0196] Within one week after the optimization plan was implemented, the service governance platform continued to monitor the operation status of the payment link and collect relevant data, including payment failure rate, timeout rate, user feedback, and satisfaction survey results.

[0197] The service governance platform analyzes the collected data and evaluates the effectiveness of the optimization plan. For example, after the optimization plan was implemented, the payment failure rate dropped from 5% to 2%, and user satisfaction increased from 80% to 90%.

[0198] The service governance platform generates an effect evaluation report based on the evaluation results. The report content includes: changes in payment failure rate, improvements in user satisfaction, specific implementation effects of the optimization plan, and further optimization suggestions.

[0199] After executing the payment optimization plan, this embodiment collects the abnormal state generation rate and user satisfaction after execution, and evaluates the optimization plan. The service governance platform can accurately understand the effect of the optimization plan, ensure the continuous improvement and optimization of the payment system, improve the payment success rate and user satisfaction, and ultimately improve the overall payment experience and system stability.

[0200] Furthermore, a seventh embodiment of the VIP user payment link optimization method of the present invention is proposed, after the above step a1, it also includes:

[0201] Step f1, the service governance platform obtains the historical payment records of the VIP user from the member center service, and obtains the behavior data of the VIP user from the mobile application;

[0202] Step f2, analyzing the behavior data and historical payment records of the VIP user to identify the payment habits and preferences of the VIP user;

[0203] Step f3, generating personalized payment suggestions and preferential measures according to the payment habits and preferences of the VIP user, and applying the personalized payment suggestions and preferential measures to the payment process of the VIP user.

[0204] In this embodiment, behavior data refers to the user's operation data in the mobile application, including click records, browsing history, payment frequency, etc.

[0205] After the gateway sends the payment result to the user, it uploads the VIP user information and payment result to the service governance platform through the asynchronous message queue. The asynchronous message queue ensures the reliable delivery of messages, and ensures that the message is eventually processed even if the system fails in some cases.

[0206] The service governance platform obtains the historical payment records of VIP users from the member center service, including the user's past payment amount, payment method, payment time, etc. The service governance platform obtains the behavior data of VIP users from mobile applications, including the user's click records, browsing history, payment frequency, etc. in the application.

[0207] The service governance platform analyzes the behavior data and historical payment records of VIP users to identify their payment habits and preferences. For example, it analyzes the user's common payment methods, payment time periods, and types of goods they often purchase.

[0208] Based on the payment habits and preferences of VIP users, the service governance platform generates personalized payment suggestions and preferential measures. For example, it recommends suitable payment methods for users, provides exclusive preferential activities, and suggests the best payment time.

[0209] The service governance platform applies personalized payment suggestions and preferential measures to the payment process of VIP users to improve user payment experience and satisfaction.

[0210] Example description:

[0211] The gateway uploads the VIP information and payment results of user K to the service governance platform through an asynchronous message queue. After receiving the data, the service governance platform stores it in the database.

[0212] The service governance platform obtains user K's historical payment records from the member center service, including past payment amounts, payment methods, and payment times. The service governance platform obtains user K's behavior data from the mobile application, including click records, browsing history, and payment frequency.

[0213] The service governance platform analyzes user K's behavior data and historical payment records to identify his payment habits and preferences. For example, it is found that user K often makes payments between 8 and 10 p.m., prefers to use a certain payment method, and often buys specific types of goods.

[0214] Based on user K's payment habits and preferences, the service governance platform generates personalized payment suggestions and preferential measures.

[0215] For example, it is recommended that user K use a preferred payment method to pay between 8 pm and 10 pm, and a corresponding coupon is provided.

[0216] The service governance platform applies personalized payment suggestions and preferential measures to the payment process of user K. When user K uses the recommended payment method to pay within the specified time period, the corresponding coupon is automatically applied to improve the user's payment experience and satisfaction.

[0217] This embodiment adds personalized payment suggestions and preferential measures to the payment process. Based on the analysis of VIP user behavior data and historical payment records, the service governance platform can accurately identify users' payment habits and preferences, and provide personalized payment plans and exclusive preferential activities. This not only improves users' payment experience and satisfaction, but also increases user stickiness and loyalty, and promotes more payment behaviors and consumption.

[0218] The present invention also provides a VIP user payment link optimization device.

[0219] Reference Figure 3 , Figure 3 This is a functional module diagram of the first embodiment of the VIP user payment link optimization device of the present invention. The VIP user payment link optimization device comprises:

[0220] VIP information acquisition module, the gateway receives the payment request sent by the VIP user through the mobile application, and calls the member center service to obtain the VIP user information of the VIP user;

[0221] A payment request building module, which adds the VIP user information to the request header of the payment request and sends the payment request to the payment processing module;

[0222] A payment result processing module, wherein the payment processing module completes the payment service according to the payment request and returns the payment result to the gateway, and the gateway sends the payment result to the user.

[0223] In addition, an embodiment of the present invention further provides a computer storage medium.

[0224] The storage medium stores a VIP user payment link optimization program, which implements the steps of the VIP user payment link optimization method described above when executed by the processor.

[0225] The specific implementation of the storage medium of the present invention is basically the same as the above-mentioned embodiments of the VIP user payment link optimization method, and will not be repeated here.

[0226] The embodiments of the present invention are described above in conjunction with the accompanying drawings, but the present invention is not limited to the above-mentioned specific implementation methods. The above-mentioned specific implementation methods are merely illustrative and not restrictive. Under the enlightenment of the present invention, ordinary technicians in this field can also make many forms without departing from the scope of protection of the purpose of the present invention and the claims. All equivalent structures or equivalent process changes made using the contents of the specification and drawings of the present invention, or directly or indirectly used in other related technical fields, are protected by the present invention.

[0227] In the embodiments provided in the present application, it should be understood that the disclosed devices and methods can also be implemented in other ways. The device embodiments described above are merely schematic. For example, the flowcharts and block diagrams in the accompanying drawings show the possible architecture, functions and operations of the devices, methods and computer program products according to the multiple embodiments of the present application. In this regard, each box in the flowchart or block diagram can represent a module, a program segment or a part of a code, and the module, a program segment or a part of a code contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two consecutive boxes can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram and / or the flowchart, and the combination of boxes in the block diagram and / or the flowchart can be implemented with a dedicated hardware-based system that performs a specified function or action, or can be implemented with a combination of dedicated hardware and computer instructions.

[0228] In addition, each functional module in each embodiment of the present application can be integrated together to form an independent part, or each module can exist separately, or two or more modules can be integrated to form an independent part. If the function is implemented in the form of a software functional module and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on such an understanding, the technical solution of the present application is essentially or the part that contributes to the prior art or the part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including several instructions to enable a computer device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: various media that can store program codes, such as a USB flash drive, a mobile hard disk, a read-only memory (ROM, Read-Only Memory), a random access memory (RAM, RandomAccess Memory), a disk or an optical disk.

[0229] It should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the sentence "comprise a ..." do not exclude the existence of other identical elements in the process, method, article or device including the elements.

[0230] The above are only various implementations of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

Claims

1. A VIP user payment link optimization method, characterized in that: The following steps are involved: The gateway receives the payment request sent by the VIP user through the mobile application, and calls the member center service to obtain the VIP user information of the VIP user; Add the VIP user information to the request header of the payment request, and send the payment request to the payment processing module; The payment processing module completes the payment service according to the payment request and returns the payment result to the gateway, and the gateway sends the payment result to the user.

2. The VIP user payment link optimization method according to claim 1, characterized in that: After the gateway sends the payment result to the user, the step further includes: The gateway uploads the VIP user information and the payment result to the service management platform through an asynchronous message queue.

3. The VIP user payment link optimization method according to claim 2, characterized in that: After the gateway uploads the VIP user information and the payment result to the service management platform through the asynchronous message queue, the method further includes: The service governance platform detects whether there is any abnormality in the payment process based on the VIP user information and the payment result; When an abnormal situation is detected, the service governance platform triggers an alarm mechanism to notify the operation and maintenance personnel to handle the abnormal situation.

4. The VIP user payment link optimization method according to claim 2, characterized in that: After the gateway uploads the VIP user information and the payment result to the service management platform through the asynchronous message queue, the method further includes: The service governance platform performs data analysis on VIP user information and payment results received within a preset time period and generates an analysis report, which includes an analysis of abnormal situations.

5. The VIP user payment link optimization method according to claim 4, characterized in that: After the step of generating the analysis report, the following steps are further included: The service governance platform automatically generates a corresponding payment optimization plan for the abnormal situation based on the abnormal situation analysis in the analysis report. The payment optimization plan is automatically executed by the service governance platform or by operation and maintenance personnel.

6. The VIP user payment link optimization method according to claim 5, characterized in that: After the step of automatically forming a corresponding payment optimization plan for the abnormal situation, the method further includes: The service governance platform automatically executes the payment optimization plan and collects the abnormal state generation rate and user satisfaction after the payment optimization plan is executed; The payment optimization scheme is evaluated according to the abnormal state generation rate and user satisfaction, and an effect evaluation report of the payment optimization scheme is obtained.

7. The VIP user payment link optimization method as described in claim 2, characterized in that: After the gateway uploads the VIP user information and the payment result to the service management platform through the asynchronous message queue, the method further includes: The service governance platform obtains the historical payment records of the VIP user from the member center service, and obtains the behavior data of the VIP user from the mobile application; Analyze the behavior data and historical payment records of the VIP users to identify the payment habits and preferences of the VIP users; Generate personalized payment suggestions and preferential measures based on the payment habits and preferences of the VIP user, and apply the personalized payment suggestions and preferential measures to the payment process of the VIP user.

8. A VIP user payment link optimization device, characterized in that: The VIP user payment link optimization device comprises: VIP information acquisition module, the gateway receives the payment request sent by the VIP user through the mobile application, and calls the member center service to obtain the VIP user information of the VIP user; A payment request building module, which adds the VIP user information to the request header of the payment request and sends the payment request to the payment processing module; A payment result processing module, wherein the payment processing module completes the payment service according to the payment request and returns the payment result to the gateway, and the gateway sends the payment result to the user.

9. A VIP user payment link optimization device, characterized in that: The VIP user payment link optimization device includes a memory, a processor, and a VIP user payment link optimization program stored in the memory and executable on the processor. When the VIP user payment link optimization program is executed by the processor, the steps of the VIP user payment link optimization method according to any one of claims 1 to 7 are implemented.

10. A computer storage medium, characterized in that: The storage medium stores a VIP user payment link optimization program, which, when executed by the processor, implements the steps of the VIP user payment link optimization method according to any one of claims 1 to 7.

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