Payment method and device based on credit voucher

Abstract

The embodiment of the invention provides a payment method and device based on a credit voucher, and the method comprises the steps: in an order payment process, carrying out the payment of the credit voucher on the basis of receiving and displaying a first payment channel list which is issued by a server, is generated for order information, and comprises an application identifier for carrying out the credit voucher application, the payment request based on the application identifier skips to a credit voucher subprogram, credit voucher application and credit voucher activation are carried out in the credit voucher subprogram, payment channel binding is carried out on the activated credit voucher through the server, and payment is carried out based on a second payment channel list containing the credit voucher issued by the server. And the credit voucher is used for order payment by submitting a payment instruction of the credit voucher to the server, so that credit voucher application and activation in the order payment process are realized.

Description

Technical Field

[0001] This document relates to the field of data processing technology, and in particular to a payment method and device based on credit credentials. Background Art

[0002] With the development of Internet technology, more and more services are provided online, and more and more users participate in various services online. For example, payment services can be paid online for both offline and online consumption. During the payment process, the cashier will display multiple bank cards by default, and users can choose any of the multiple bank cards for payment. In this process, the display of payment channels at the cashier will affect the user's payment decision to a certain extent. How to effectively use the cashier to make payment recommendations to users has become a focus of attention for all parties. Summary of the invention

[0003] One or more embodiments of the present specification provide a payment method based on credit credentials, including: receiving and displaying a first payment channel list generated for order information and issued by a server. The first payment channel list contains an application identifier for applying for a credit credential. A payment request based on the application identifier jumps to a credit credential subroutine to apply for and activate a credit credential in the credit credential subroutine, and the activated credit credential is bound to a payment channel through the server. A second payment channel list containing the credit credential issued by the server is received and displayed. The payment instruction of the obtained credit credential is submitted to the server to pay for the order through the credit credential.

[0004] One or more embodiments of the present specification provide another payment method based on credit vouchers, including: generating a first payment channel list based on the order information of the paying user and issuing it to the user terminal. The first payment channel list contains an application identifier for applying for a credit voucher. Based on the voucher binding request sent after the credit voucher application and credit voucher activation in the credit voucher subroutine, the activated credit voucher is bound to a payment channel. The second payment channel list containing the credit voucher obtained after binding is issued to the user terminal. According to the payment instruction of the credit voucher submitted by the user terminal, the order payment is made through the credit voucher.

[0005] One or more embodiments of the present specification provide a payment device based on credit credentials, including: a first receiving module, configured to receive and display a first payment channel list generated for order information and issued by a server. The first payment channel list contains an application identifier for applying for a credit credential. A jump module, configured to jump to a credit credential subroutine based on a payment request of the application identifier, to apply for and activate a credit credential in the credit credential subroutine, and to bind the activated credit credential to a payment channel through the server. A second receiving module, configured to receive and display a second payment channel list containing the credit credential issued by the server. An instruction submission module, configured to submit the obtained payment instruction of the credit credential to the server, so as to make order payment through the credit credential.

[0006] One or more embodiments of the present specification provide another payment device based on credit credentials, including: a first sending module, configured to generate a first payment channel list based on the order information of the payment user and send it to the user terminal. The first payment channel list contains an application identifier for applying for a credit credential. A binding module, configured to bind the activated credit credential to a payment channel based on a credential binding request sent after the credit credential application and credit credential activation in the credit credential subroutine. A second sending module, configured to send the second payment channel list containing the credit credential obtained after binding to the user terminal. An order payment module, configured to make order payments through the credit credential according to the payment instruction of the credit credential submitted by the user terminal.

[0007] One or more embodiments of the present specification provide a payment device based on a credit credential, comprising: a processor; and a memory configured to store computer executable instructions, wherein when the computer executable instructions are executed, the processor: receives and displays a first payment channel list generated for order information and issued by a server. The first payment channel list contains an application identifier for applying for a credit credential. A payment request based on the application identifier jumps to a credit credential subroutine to apply for and activate a credit credential in the credit credential subroutine, and binds the activated credit credential to a payment channel through the server. A second payment channel list containing the credit credential issued by the server is received and displayed. The payment instruction of the obtained credit credential is submitted to the server to pay for the order through the credit credential.

[0008] One or more embodiments of the present specification provide another payment device based on credit credentials, including: a processor; and a memory configured to store computer executable instructions, which, when executed, cause the processor to: generate a first payment channel list based on the order information of the payment user and issue it to a user terminal. The first payment channel list contains an application identifier for applying for a credit credential. Based on a credential binding request sent after the credit credential application and credit credential activation in the credit credential subroutine, the activated credit credential is bound to a payment channel. The second payment channel list containing the credit credential obtained after binding is issued to the user terminal. According to the payment instruction of the credit credential submitted by the user terminal, order payment is made through the credit credential.

[0009] One or more embodiments of the present specification provide a computer-readable storage medium for storing computer-executable instructions, which implement the following process when executed: receiving and displaying a first payment channel list generated for order information and issued by a server. The first payment channel list contains an application identifier for applying for a credit credential. A payment request based on the application identifier jumps to a credit credential subroutine to apply for and activate a credit credential in the credit credential subroutine, and binds the activated credit credential to a payment channel through the server. Receive and display a second payment channel list containing the credit credential issued by the server. Submit the obtained payment instruction of the credit credential to the server to pay for the order through the credit credential.

[0010] One or more embodiments of the present specification provide another computer-readable storage medium for storing computer-executable instructions, which implement the following process when executed: Generate a first payment channel list based on the order information of the paying user and issue it to the user terminal. The first payment channel list contains an application identifier for applying for a credit credential. Based on the credential binding request sent after the credit credential application and credit credential activation in the credit credential subroutine, the activated credit credential is bound to a payment channel. The second payment channel list containing the credit credential obtained after binding is issued to the user terminal. According to the payment instruction of the credit credential submitted by the user terminal, the order payment is made through the credit credential. BRIEF DESCRIPTION OF THE DRAWINGS

[0011] In order to more clearly illustrate one or more embodiments of the present specification or the technical solutions in the prior art, the drawings required for use in the embodiments or the prior art descriptions are briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in the present specification. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative labor.

[0012] Figure 1 A schematic diagram of an implementation environment of a payment method based on a credit certificate provided for one or more embodiments of this specification;

[0013] Figure 2 A processing flow chart of a payment method based on a credit voucher provided for one or more embodiments of this specification;

[0014] Figure 3 A schematic diagram of a first payment page provided for one or more embodiments of this specification;

[0015] Figure 4 A schematic diagram of an application page provided for one or more embodiments of this specification;

[0016] Figure 5 A schematic diagram of an activation page provided for one or more embodiments of this specification;

[0017] Figure 6 A schematic diagram of a second payment page provided for one or more embodiments of this specification;

[0018] Figure 7 A processing flow chart of a payment method based on a credit voucher applied to an order payment scenario provided in one or more embodiments of this specification;

[0019] Figure 8 Another payment method based on credit vouchers provided for one or more embodiments of this specification is a processing flow chart;

[0020] Fig. 9 A schematic diagram of an embodiment of a payment device based on a credit certificate provided for one or more embodiments of this specification;

[0021] Fig.10 A schematic diagram of another embodiment of a payment device based on a credit certificate provided for one or more embodiments of this specification;

[0022] Fig.11 A schematic diagram of the structure of a payment device based on a credit certificate provided for one or more embodiments of this specification;

[0023] Fig.12A schematic diagram of the structure of another payment device based on credit credentials provided for one or more embodiments of this specification. DETAILED DESCRIPTION

[0024] In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of them. Based on one or more embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this document.

[0025] The payment method based on credit voucher provided in one or more embodiments of this specification can be applied to the implementation environment of credit voucher payment. Figure 1 , the implementation environment at least includes:

[0026] A user terminal 101 that initiates order payment, a server 102 that processes order payment, and a voucher server 103 that processes credit vouchers;

[0027] The user terminal 101 may be a mobile phone, a personal computer, a tablet computer, an e-book reader, a device for information interaction based on VR (Virtual Reality), a vehicle-mounted terminal, an IoT device, a wearable smart device, a laptop computer, a desktop computer, etc. The user terminal 101 runs an application and a credit credential subroutine, and the credit credential subroutine may run in the application. During the order payment process, the application and the credit credential subroutine interact at the front end.

[0028] The server 102 may be a single server, or a server cluster consisting of several servers, or one or more cloud servers in a cloud computing platform, and is used to cooperate with the credential server 103 to process credit credentials and make order payments for credit credentials;

[0029] The credential server 103 refers to the server of the credential institution that provides the credit credential, and is used for processing related to credit credential application and credit credential activation, and cooperates with the server 102 to bind the payment channel of the credit credential.

[0030] In this implementation environment, during the order payment process, the server 102 generates a first payment channel list including an application identifier for applying for a credit voucher for the order information and sends it to the user terminal 101. The user terminal 101 receives and displays the first payment channel list including an application identifier for applying for a credit voucher, thereby recommending the payment user to apply for, activate, and use the credit voucher to pay for the order. If the payment user chooses to apply for and use the credit voucher to pay for the order, the payment request based on the application identifier jumps to the credit voucher subroutine, and the credit voucher application and credit voucher activation are performed in the credit voucher subroutine. Specifically, the credit voucher application and credit voucher activation are completed through the cooperation between the credit voucher subroutine and the voucher server 103. After the activation is successful, the server 103 sends the credit voucher to the payment user. 2. Bind the activated credit voucher to the payment channel, obtain a second payment channel list containing the activated credit voucher, and send the second payment channel list to the user terminal 101 for display, so as to recommend the payment user to use the currently applied credit voucher to pay the order. If a payment instruction is obtained for the payment user to select the currently applied credit voucher to pay the order, the payment instruction is submitted to the server 102 to use the credit voucher to pay the order, thereby realizing the application, activation and recommendation of the credit voucher for order payment during the order payment process, and at the same time, realizing the integration of credit voucher application, credit voucher activation, payment channel binding of credit vouchers and order payment, thereby realizing the instant application and instant use of credit vouchers during the order payment process.

[0031] One or more embodiments of a payment method based on a credit voucher provided in this specification are as follows:

[0032] Reference Figure 2 The payment method based on credit voucher provided in this embodiment specifically includes steps S202 to S208.

[0033] Step S202: receiving and displaying the first payment channel list generated for the order information and issued by the server.

[0034] In this embodiment, during the payment process of the payment user's order, the server generates and sends a first payment channel list based on the order information. Here, the first payment channel list generated for the order information and sent by the server is received, and the first payment channel list is displayed. Specifically, the first payment channel list can be displayed on the payment page, such as displaying the first payment channel list on the payment page of the application.

[0035] Among them, in the process of generating the first payment channel list, in order to recommend a credit credential application to the payment user during the order payment process, a method of configuring an application identification for the credit credential application can be configured in the first payment channel list, so that when the first payment channel list is displayed to the payment user, a credit credential application can be recommended to the payment user.

[0036] Optionally, the first payment channel list includes an application identifier for applying for a credit certificate. A credit certificate refers to a medium-type certificate that records account-related information of the holder, has a credit limit and can make payments based on the credit limit, and provides relevant services to the holder, such as an electronic credit card or a physical credit card; a credit certificate application refers to the process of applying for a credit certificate from a certificate institution that provides credit certificates; an application identifier can be certificate-related information of the credit certificate and / or recommendation information for applying for a credit certificate recommended to the paying user.

[0037] Optionally, the application identification includes identification information of the credit voucher, voucher rights and interests information and / or voucher credit limit information. Among them, the identification information of the credit voucher may be the name information or recommendation information of the credit voucher; the voucher rights and interests information refers to the rights and interests information that can be obtained after applying for the credit voucher, for example, the voucher rights and interests information may be "instant discount of 50 yuan", that is, the voucher rights and interests are that the user can reduce 50 yuan when paying for the order after applying for the credit voucher; the voucher credit limit information refers to the voucher credit limit of the credit voucher obtained after applying for the credit voucher, which is also the credit limit that the paying user can use the credit voucher for credit payment.

[0038] In specific implementation, the credit voucher application is recommended to the paying user during the order payment process, specifically, the credit voucher application is recommended by adding an application identifier for the credit voucher application to the first payment channel list. In view of this, it is necessary to detect whether to recommend the credit voucher application to the paying user who is currently making the order payment before generating the first payment channel list. For example, based on a preset user group for recommending the credit voucher application, if the paying user who is currently making the order payment is in the preset user group, the credit voucher application is recommended to the paying user, that is, the first payment channel list containing the application identifier for the credit voucher application is returned. In an optional implementation manner provided in this embodiment, the payment user detection is performed in the following manner:

[0039] Detecting whether there is a paying user corresponding to the order information in the preset user group;

[0040] If so, it indicates that the current payment user making the order payment is in the preset user group, that is, the current payment user making the order payment is a preset recommended payment user for credit voucher application, and the process of receiving and displaying the first payment channel list generated for the order information and sent by the server is executed;

[0041] If not, it indicates that the current payment user making the order payment is not in the preset user group, that is, the current payment user making the order payment is not the pre-set recommended payment user for credit voucher application. In this case, the server can generate a payment channel list for the order information (the payment channel list does not contain the application identifier for credit voucher application). The payment channel list generated for the order information is received and displayed here, so that the target payment channel can be selected in the payment channel list for order payment. It should be noted that the above payment user detection process can be implemented in the user terminal or in the server.

[0042] In order to realize the integration of order payment with credit voucher application, credit voucher activation and payment channel binding of credit vouchers, an application identifier for credit voucher application is configured in the first payment channel list during the order payment process, and the credit voucher application can be recommended for those payment users who have applied for credit vouchers at the voucher institution and obtained credit vouchers, that is, to recommend these payment users to apply for credit vouchers again (secondarily) at the voucher institution. Optionally, the preset user group is composed of voucher users who have applied for credit vouchers at the voucher institution to which the credit voucher subroutine belongs. Here, voucher users refer to users who have applied for credit vouchers at the voucher institution and obtained credit vouchers before the current order payment is made.

[0043] In this embodiment, in order to improve the effectiveness of recommending credit credential applications to paying users during the order payment process, and thereby improve the conversion of paying users who make order payments into actual credit credential applications, more comprehensive and effective recommendation information may be configured in the application identifier included in the first payment channel list, such as configuring credential rights and interests information and / or credential limit information in the application identifier, so that paying users who make order payments can more clearly perceive the rights and interests and / or limit of the currently recommended credit credential.

[0044] Specifically, in an optional implementation manner provided in this embodiment, the application identifier is determined in the following manner:

[0045] determining a user recommendation preference based on the second user behavior data of the application;

[0046] If the user recommendation preference is the first recommendation preference, the voucher rights and interests information for applying for the credit voucher is added to the application identifier; the voucher rights and interests information is determined by inputting the second user behavior data into a rights and interests pricing algorithm to perform rights and interests pricing calculation;

[0047] If the user recommendation preference is the second recommendation preference, the voucher limit information for the credit voucher application is added to the application identifier.

[0048] In addition, after determining the user recommendation preference based on the second user behavior data of the application, if the determined user recommendation preference is the third user preference, the voucher rights information for applying for the credit voucher can be added to the application identifier, and the voucher limit information for applying for the credit voucher can be added to the application identifier. Figure 3 The application identification 301 of the credit voucher application included in the first payment channel list displayed on the first payment page shown is composed of three parts: the recommended information of the credit voucher "Apply for xxx credit card", the voucher benefit information "Instant discount of 50 yuan", and the voucher limit information "Enjoy a limit of no more than xx thousand yuan".

[0049] Here, the second user behavior data of the application refers to the data related to the recommendation preferences of the paying user accumulated during the use of the application, such as the recommendation information of the paying user in the previous payment process, and / or the triggering action record or access record of the paying user to the recommendation information in the previous payment process. It should be pointed out that, considering that the second user behavior data belongs to the user's privacy to a certain extent, it is possible to obtain user data authorization before obtaining the second user behavior data of the payment application in the application. The data authorization method can be to send a data authorization reminder to the user. After the user confirms the data authorization reminder through an instruction, the use authorization of the second user behavior data can be obtained. In addition, data authorization can also be performed through other methods, and the use authorization of the second user behavior data can be obtained after the user's instruction is confirmed.

[0050] In actual applications, when payment users select payment channels from the payment channel list for payment, the payment selection preferences of different payment users may be different. In view of this, in the process of recommending credit voucher applications to payment users through the payment channel list, in order to improve the conversion of payment users who make order payments participating in credit voucher applications, different positions can be set for application identifiers in the first payment channel list of different payment users. This can ensure the payment efficiency of payment users while improving the conversion rate of payment users who make order payments participating in credit voucher applications.

[0051] Specifically, in an optional implementation provided by this embodiment, the ranking of the application identifier in the first payment channel list is determined in the following manner: determining the user payment preference according to the third user behavior data of the application, and determining the ranking of the application identifier in the first payment channel list based on the user payment preference. In addition, the ranking of the application identifier in the first payment channel list can also be determined according to the recommendation strategy of the application. The recommendation strategy can be a strategy for a recommendation activity or a marketing activity.

[0052] The ranking of the application ID in the first payment channel list refers to the ranking position of the application ID in the first payment channel list, for example Figure 3 The application identifier of the credit voucher application included in the first payment channel list displayed on the first payment page is ranked third in the first payment channel list.

[0053] The third user behavior data of an application refers to the data related to the payment preferences of the paying user accumulated during the use of the application, such as the payment channels selected by the paying user in previous payment processes and the ranking of the payment channels. It should be pointed out that, considering that the third user behavior data belongs to the user's privacy to a certain extent, the third user behavior data can be authorized in a similar manner to the second user behavior data mentioned above. In particular, the third user behavior data and the second user behavior data can still be the same user behavior data. In this case, the third user behavior data and the second user behavior data can simultaneously include the data related to the payment preferences of the paying user accumulated during the use of the application and / or the data related to the recommended preferences of the paying user accumulated during the use of the application.

[0054] Step S204, jumping to the credit credential subprogram based on the payment request of the application identifier, so as to apply for and activate the credit credential in the credit credential subprogram, and bind the activated credit credential to the payment channel through the server.

[0055] After receiving the first payment channel list containing the application identifier for applying for credit credentials sent by the server and displaying the first payment channel list, the paying user can select any payment channel other than the application identifier in the first payment channel list to pay for the order, and can also select the application identifier in the first payment channel list to pay for the order. The difference is that if the application identifier in the first payment channel list is triggered, an application for a credit credential will be made first during the order payment process. In this embodiment, based on the payment user selecting the application identifier in the first payment channel list, the payment request based on the application identifier jumps to the credit credential subroutine, so as to apply for and activate the credit credential in the credit credential subroutine, and bind the activated credit credential to the payment channel through the server.

[0056] In specific implementation, in the process of jumping to the credit credential subroutine based on the payment request of the application identifier, the credential institutions corresponding to different application identifiers may be different. Accordingly, the credit credential subroutine may jump to the credit credential subroutine of different credential institutions. In an optional implementation provided by this embodiment, the payment request based on the application identifier jumps to the credit credential subroutine, including: submitting a payment request carrying the application identifier to the server, so that the server determines the subroutine link of the credential institution corresponding to the application identifier and returns it; jumping to the credit credential subroutine based on the returned subroutine link. Among them, the credit credential subroutine refers to a subroutine that provides services related to credit credential application and application credential activation. The subroutine can be run in an application and has the ability to independently provide self-closed-loop services.

[0057] During the specific execution process, the first payment channel list can be displayed through the payment page of the application. Based on this, in the process of jumping to the credit credential subroutine, when the credit credential subroutine is running in the application, it is possible to jump from the payment page to the credit credential subroutine; or, when the payment page is provided by the application, it is also possible to jump from the application to the credit credential subroutine.

[0058] For example, Figure 3 The first payment page of the application shown in the figure displays the first payment channel list. After the paying user triggers the application identifier 301 to generate a payment request, the user is redirected to Figure 4 The application page of the credit certificate subroutine shown;

[0059] Alternatively, the paying user may trigger the application identification 301 and generate a payment request by clicking the "Confirm Payment" control 302, then jump to Figure 4 The application page of the credit certificate subroutine shown;

[0060] Alternatively, in the first payment channel list displayed on the first payment page of the application, the application ID is in the third position in the first payment channel list, and the application ID can be configured as a default selected state. In response to this, the paying user can jump to the confirmation page by clicking the "Confirm Payment" control. Figure 4 The application page of the credit certificate subprogram shown in the figure can also be jumped to by clicking the application icon Figure 4 The application page of the credit certificate subroutine shown;

[0061] Alternatively, in the first payment channel list displayed on the first payment page of the application, the application ID is in the first position in the first payment channel list, and the application ID is in the default selected state. In this case, the paying user can jump to the confirmation page by clicking the "Confirm Payment" control. Figure 4 The application page of the credit certificate subprogram shown in the figure can also be jumped to by clicking the application icon Figure 4 The application page of the credit certificate subroutine is shown.

[0062] In addition, the credit credential subroutine can also be replaced by the organization page of the credential agency within the application. Accordingly, the payment request based on the application identifier jumps to the credit credential subroutine, which can be replaced by the payment request based on the application identifier jumping to the organization page of the credential agency corresponding to the application identifier; and, credit credential application and credit credential activation in the credit credential subroutine can be replaced by credit credential application and credit credential activation on the organization page.

[0063] In this embodiment, after jumping to the credit credential subroutine, the credit credential application and credit credential activation are performed in the credit credential subroutine. The following specifically describes the processes of credit credential application and credit credential activation in the credit credential subroutine.

[0064] (1) Credit certificate application

[0065] In an optional implementation manner provided in this embodiment, the credit certificate application is implemented in the following manner:

[0066] The credit credential subroutine obtains key identity fields input through the application page and submits the key identity fields to the credential server;

[0067] The credential server determines the credential application data according to the key identity field and performs a credential application review, and sends the review result to the credit credential subprogram.

[0068] Among them, the key identity fields include name, pinyin (name in pinyin) and / or certificate number (certificate number of identity-related certificate); in the process of determining the credential application data based on the key identity fields and conducting a credential application review, the credential server can query the historical application records based on the key identity fields, and conduct a credential application review based on the application data determined by the historical application records to obtain the review result, which is a successful review result or a failed review result.

[0069] Furthermore, in order to improve the efficiency of credit voucher application, reduce the time of order payment, improve the order payment efficiency of payment users, and also to improve the success rate of credit voucher application, and reduce the probability of review failure or re-review due to incorrect key identity fields entered by payment users, the application page is optionally configured with a field collection control; after the field collection control is triggered, the identity acquisition interface is called to obtain the key identity field from the application, and the key identity field is written into the application page; the credit voucher subroutine runs in the application. For example, Figure 4 The field collection control 401 configured in the application page of the credit certificate subroutine is shown.

[0070] In addition, after jumping to the credit voucher subroutine, in order to further increase the willingness of the paying user to apply for the credit voucher, and thus increase the conversion of the paying user who makes order payment to participate in the credit voucher application, the credit voucher application can be further recommended to the paying user on the application page for the credit voucher application. Optionally, the voucher server obtains the voucher recommendation data of the application page from the server by calling the voucher recommendation interface;

[0071] Specifically, in an optional implementation manner provided by this embodiment, the credential recommendation data is determined in the following manner:

[0072] Determine a page material type according to the first user behavior data of the application program, and determine the page material and dynamic display parameters under the page material type;

[0073] The page material and the dynamic display parameters are used as the credential recommendation data.

[0074] Among them, the first user behavior data of the application refers to the payment-related data accumulated by the paying user during the use of the application, such as the paying user's previous payment-related data, or the access data of visiting and browsing the application. It should be pointed out that, considering that the first user behavior data belongs to the user's privacy to a certain extent, the first user behavior data can be authorized in a similar manner to the second user behavior data mentioned above. In particular, the first user behavior data and the third user behavior data and the second user behavior data can still be the same user behavior data. In this case, the first user behavior data, the third user behavior data and the second user behavior data can simultaneously include payment-related data, data related to the paying user's payment preferences accumulated by the paying user during the use of the application, and / or data related to the paying user's recommendation preferences accumulated by the paying user during the use of the application.

[0075] Page material type refers to the material type of page material recommended to paying users displayed on the application page. Page material can be text, image, animation, voice and / or video. Accordingly, the material type can be text type, image type, animation type, voice type and / or video type. Dynamic display parameters refer to the relevant parameters of page material displayed on the application page, such as the position parameters, position change parameters and / or time parameters corresponding to the position parameters of the page material displayed on the application page, and the size parameters, font parameters and / or color parameters of the page material displayed on the application page. For example, Figure 4 The credit certificate subroutine shown has credential recommendation data 402 displayed on its application page.

[0076] As described above, this embodiment realizes the integration of order payment and credit voucher application in the order payment process. On this basis, in order to improve the payment experience of payment users in the integrated scenario of credit voucher application and order payment, the payment waiting page can also be displayed after the process of entering key identity fields on the application page is completed and before the review result of the voucher application review in the credit voucher application process is obtained.

[0077] Optionally, the credit credential subprogram displays a payment waiting page after submitting the key identity field to the credential server, and closes the payment waiting page after receiving the review result.

[0078] In addition, the credit credential subroutine may cooperate with the application to display the payment waiting page. Specifically, after the credit credential subroutine submits the key identity field to the credential server, it returns the payment waiting time to the application, and the application displays the payment waiting page according to the payment waiting time; or, after the credit credential subroutine submits the key identity field to the credential server, it returns the payment waiting instruction to the application, the application displays the payment waiting page based on the payment waiting instruction, and closes the payment waiting page after receiving the successful review result returned by the credit credential subroutine.

[0079] It should be noted that after the paying user applies for a credit credential, the credential application review process performed by the credential server is an online review process. The time required for this review process can be controlled within a certain and relatively short time range (for example, within 10 seconds). Therefore, the credit credential application and credit credential activation introduced in the order payment process of this embodiment are continuous or relatively continuous processing processes. Therefore, the order payment process and the credit credential application and credit credential activation processes can be regarded as a continuous integrated processing process, or the credit credential application process and the credit credential activation process can be regarded as two processing nodes in the order payment process. These two processes can be specifically regarded as pre-processing nodes for using credit credentials to make order payments in the order payment process. Alternatively, from the perspective of payment user interaction, the paying user applies for and activates credit credentials in the order payment process, and the credit credential application can be completed in a relatively short time (within 10 seconds), and the order payment will not be interrupted due to the long time required for the credit credential application.

[0080] (2) Credit certificate activation

[0081] This embodiment introduces credit credential application and credit credential activation in the order process, and in order to enable the current order payment to use the credit credential obtained through the credit credential application and credit credential activation, the obtained credit credential is bound to the payment channel list of the paying user, so that the paying user can select the credit credential in the payment channel list to make order payment during the current order payment process, thereby realizing the integration of order payment with credit credential application, credit credential activation, and credit credential binding (credit credential is bound to the payment channel list).

[0082] Specifically, the credit certificate activation can be implemented by adopting the following optional implementation methods:

[0083] The credit credential subprogram receives and displays the activation page with the successful audit result issued by the credential server, and submits the identity authentication information input through the activation page to the credential server;

[0084] After the credential server successfully performs identity authentication based on the identity authentication information, it activates the credit credential and sends a credential binding request to the server through an interface call after successful activation; the server binds the activated credit credential to the payment channel list in response to the credential binding request to obtain the second payment channel list.

[0085] Among them, the activation page can display the credential information of the credit credential obtained by the paying user after successfully applying for the credit credential; for example Figure 5 In the activation page shown, a masked voucher code 501 obtained by masking the voucher code of the credit voucher is displayed; a voucher image 502 of the credit voucher may also be displayed;

[0086] Additionally, the activation page configures the authentication components of the authentication; for example, Figure 5 The verification component 503 in the activation page shown in the figure displays the contact number of the paying user for identity authentication, and is provided with a "Send Verification Code" control for obtaining identity authentication information. The paying user can obtain the verification code after clicking the "Send Verification Code" control. After inputting the obtained verification code into the "Verification Code" input box of the verification component 503, the identity authentication of the paying user can be performed;

[0087] Furthermore, you can configure activation controls on the activation page, for example Figure 5 The "Activate and Bind" control 504 configured in the activation page shown; the state of the activation control before successful identity authentication is an untriggerable state. After successful identity authentication, the activation control configured in the activation page is updated to a triggerable state. At this time, the paying user can initiate credit credential activation and credit credential binding by triggering the activation control.

[0088] Thereafter, when the payment user initiates credit credential activation by triggering the activation control, in order to enhance the payment user's perception of the credit credential activation process and the credit credential binding process, an activation completion reminder may be displayed through the activation page after the credit credential activation is completed, and a binding completion reminder may be displayed through the activation page after the credit credential binding is completed. Alternatively, after both the credential activation and the credit credential binding are completed, reminders of activation completion and binding completion may be displayed through the activation page.

[0089] In addition, based on the integration of order payment with credit credential application, credit credential activation, and credit credential binding achieved in the present embodiment, in order to improve the efficiency of credit credential activation and reduce the time required for order payment, the following method can also be used to achieve credit credential activation: the credit credential subroutine receives and displays the activation page with the successful review result issued by the credential server, and submits an activation instruction to the credential server; the credential server performs credit credential activation processing based on the activation instruction, and sends a credential binding request to the server through an interface call after successful activation; the server binds the activated credit credential to the payment channel list in response to the credential binding request to obtain a second payment channel list.

[0090] In actual applications, after applying for a credit voucher during the order payment process, some paying users may not be willing to activate the credit voucher for the time being or may want to postpone the activation of the credit voucher. In this regard, in order to ensure the smooth progress of the order payment and the success rate of the order payment, and also to provide paying users with more flexible options for the credit voucher application and credit voucher activation introduced during the order payment process, a payment control that returns to the payment channel list can also be set on the activation page. Based on this, the paying user can continue the order payment process by triggering the payment control.

[0091] Optionally, the activation page is configured with a payment control. If the payment control is triggered, the credit credential subroutine returns to the application, and the order payment is made based on the target payment channel selected from the payment channel list displayed in the application.

[0092] It should be noted that the payment channel list, the first payment channel list and the second payment channel list described below are all payment channel lists of payment users. The differences are as follows: the payment channel list consists of the payment channels of payment users in the application; the first payment channel list adds an application identifier for applying for credit credentials on the basis of the payment channel list, that is, the first payment channel list consists of the application identifier and the payment channels of payment users in the application; the second payment channel list adds credit credentials on the basis of the payment channel list (after the credit credentials are bound as described below, the credit credentials are added to the payment channel list as a payment channel), that is, the second payment channel list consists of credit credentials and the payment channels of payment users in the application.

[0093] Step S206, receiving and displaying a second payment channel list including the credit certificate issued by the server.

[0094] The above-mentioned process jumps to the credit credential subroutine during the order payment process, applies for and activates the credit credential in the credit credential subroutine, and binds the payment channel to the activated credit credential through the server. Then, you can jump back from the credit credential subroutine to the payment page for order payment, receive the second payment channel list obtained by the server after binding the payment channel of the credit credential, and display the second payment channel list on the payment page.

[0095] Optionally, after binding the payment channel, the server returns a successful binding prompt to the credential server, and the credential server sends a jump back instruction to the credit credential subroutine based on the successful binding prompt;

[0096] The credit credential subroutine jumps to the payment page of the second payment channel list based on the issued back jump instruction.

[0097] In specific implementation, when a second payment channel list containing credit credentials is obtained during the order payment process, the paying user can select any payment channel in the second payment channel list to pay for the order. If any payment channel other than the credit credentials in the second payment channel list is selected, the payment instruction of the selected payment channel is submitted to the server to pay for the order through the selected payment channel.

[0098] In addition, the paying user can also select the credit voucher in the second payment channel list to pay for the order. When the paying user selects the credit voucher to pay for the order, in order to enable the paying user to more clearly perceive the rights and interests of using the credit voucher to pay for the order, this embodiment provides an optional implementation. If it is detected that the credit voucher in the second payment channel list is selected, the voucher rights and interests information and / or voucher limit information of the credit voucher is obtained from the server and displayed.

[0099] For example, Figure 6 The second payment page showing the second payment channel list shows a credit voucher 601. When the paying user selects the credit voucher as the payment channel, the area corresponding to the credit voucher in the second payment channel list shows the voucher benefit information "instant discount of 50 yuan" and the voucher limit information "enjoy a limit of no more than xx thousand yuan".

[0100] In addition, when the credit voucher is not selected in the second payment channel list, the voucher rights and interests information and / or voucher limit information of the credit voucher can be obtained from the server and displayed; or, in order to increase the possibility of the payment user selecting the credit voucher in the second payment channel list for order payment, the credit voucher can also be configured as the default selected state, and the payment user only needs to confirm the payment to use the credit voucher for order payment, without having to manually select the credit voucher in the second payment channel list; wherein, the position of the credit voucher in the second payment channel list can be consistent with the position of the application identifier in the first payment channel list. This setting method can continue the selection habits of the payment user, and can also set the position of the credit voucher in the second payment channel list to the first place, so as to increase the probability of the payment user selecting the credit voucher for order payment.

[0101] It should be noted that the implementation method of displaying the credit certificate provided above on the second payment channel page or the payment page can be combined or merged in any way to form a new implementation method according to the needs of the actual scenario, and this embodiment does not limit this.

[0102] Step S208: submitting the payment instruction of the obtained credit certificate to the server to make order payment through the credit certificate.

[0103] In specific implementation, when a second payment channel list including credit vouchers is displayed, the paying user can select any payment channel in the second payment channel list to pay for the order, and can also select a credit voucher in the second payment channel list to pay. In this embodiment, when the paying user selects a credit voucher in the second payment channel list to pay, the payment instruction of the credit voucher is obtained and submitted to the server, so that the server makes the order payment through the credit voucher based on the payment instruction.

[0104] In addition, in the process of order payment based on credit vouchers, the order payment can also be made in installments or in installments through the credit voucher. Specifically, in the scenario where order payment is integrated with credit voucher application and credit voucher activation in this embodiment, the payment period can be configured or selected in the credit voucher application. Optionally, the application page displays the recommended payment period of the credit voucher, or the application page is configured with a payment period selection control, which displays the candidate payment periods of the credit voucher after being triggered. For example, Figure 4 The recommended payment period for the credit voucher displayed in the application page is 24 periods, that is, during the order payment process, the paying user's order will be divided into 24 periods for payment.

[0105] Based on this, in an optional implementation manner provided by this embodiment, order payment is performed through a credit voucher, including:

[0106] Obtaining the payment period submitted through the application page, and creating an installment payment order for the order information according to the payment period;

[0107] The payment period is determined by selecting from candidate payment periods of the credit voucher on the application page, or the recommended payment period displayed on the application page is used as the payment period.

[0108] In summary, the payment method based on credit voucher provided in the present embodiment, during the order payment process, according to the first payment channel list containing the application identifier for applying for the credit voucher issued by the server, if the application identifier in the first payment channel list is triggered, that is, when the credit voucher application is performed during the order payment by triggering the application identifier, the payment request based on the application identifier jumps to the credit voucher subroutine, the credit voucher application and credit voucher activation are performed in the credit voucher subroutine, and the payment channel is bound to the activated credit voucher through the server, so that the activated credit voucher is bound to the payment channel list through the payment channel binding, and a second payment channel list containing the credit voucher is obtained, and after receiving the second payment voucher issued by the server After the channel list is displayed, the second payment channel list is displayed to provide a basis for selecting a credit voucher to pay for the order. After the paying user selects a credit voucher to pay for the order in the second payment channel list, the payment instruction of the credit voucher is submitted to the server to pay for the order through the credit voucher. In this way, credit voucher application, credit voucher activation and payment channel binding of the credit voucher are introduced into the order payment process. In this way, credit voucher application, activation and recommendation of using credit vouchers for order payment are realized in the order payment process, and the integration of credit voucher application, credit voucher activation, payment channel binding of credit vouchers and order payment based on credit vouchers is also realized, thereby realizing instant application and instant use of credit vouchers in the order payment process.

[0109] The implementation process of a payment method based on credit credentials provided above can be executed by a user terminal, and the implementation process of another payment method based on credit credentials provided in the following method embodiment can be executed by a server. The two can cooperate with each other during the execution process. Therefore, when reading the above implementation process, you can refer to the corresponding content of the following another payment method based on credit credentials embodiment. Correspondingly, when reading the following another payment method based on credit credentials embodiment, you can also refer to the corresponding content of the above method embodiment.

[0110] The following takes the application of a payment method based on a credit voucher provided in this embodiment in an order payment scenario as an example, combined with Figure 7 , for further explanation of the payment method based on credit voucher provided in this embodiment, see Figure 7, a payment method based on credit vouchers applied to order payment scenarios specifically includes the following steps.

[0111] Optionally, the first payment channel list includes an application identifier for applying for a credit voucher;

[0112] Step S706, receiving and displaying the first payment channel list generated for the order information and issued by the server.

[0113] The first payment channel list includes an application identifier for applying for a credit certificate;

[0114] Step S708: submit a payment request carrying the application identification to the server.

[0115] Step S714, jumping to the credit credential subroutine based on the subroutine link returned by the server, so as to apply for and activate the credit credential in the credit credential subroutine.

[0116] Optionally, credit certificate application can be implemented in the following ways:

[0117] The credit credential subroutine obtains the key identity fields entered through the application page and submits the key identity fields to the credential server;

[0118] The credential server determines the credential application data based on the key identity fields and reviews the credential application, and sends the review results to the credit credential subroutine.

[0119] Optionally, credit credential activation is achieved in the following ways:

[0120] The credit credential subroutine receives and displays the activation page with the successful audit result issued by the credential server, and submits the identity authentication information entered through the activation page to the credential server;

[0121] After the credential server successfully authenticates the identity based on the identity authentication information, it activates the credit credential and sends a credential binding request to the server through an interface call after the activation is successful;

[0122] Bind the activated credit voucher to the payment channel through the server;

[0123] Step S720, receiving and displaying the second payment channel list containing the credit voucher issued by the server;

[0124] Step S722, submitting the payment instruction of the obtained credit certificate to the server to make order payment through the credit certificate.

[0125] The above steps S706 to S708, step S714, and step S720 to S722 provided in this embodiment are executed by the user terminal. It should be noted that the above steps S706 to S708, step S714, and step S720 to S722 executed by the user terminal and steps S702 to S704, step S710 to S712, step S716 to S718, and step S724 executed by the server in the following embodiment can cooperate with each other during the execution process. Therefore, when reading this embodiment, please refer to the corresponding contents of steps S702 to S704, step S710 to S712, step S716 to S718, and step S724 provided in the following method embodiment, and when reading the following method embodiment, please refer to the corresponding contents of steps S706 to S708, step S714, and step S720 to S722 provided in this embodiment.

[0126] It should be noted that any one or any combination of steps S706 to S708, step S714, and steps S720 to S722 can be combined with any one or any combination of steps S202 to S208 to form a new implementation method according to the needs of implementation deployment; in addition, according to the needs of actual deployment, any one or any combination of technical features can be selected from steps S706 to S708, step S714, and steps S720 to S722, and combined with any one or more technical features provided by steps S202 to S208 to form a new implementation method; or, any one or any combination of technical features in steps S706 to S708, step S714, and steps S720 to S722 can be replaced with any one or more technical features provided by steps S202 to S208 to form a new implementation method according to the needs of actual deployment, which will not be repeated here.

[0127] One or more embodiments of another payment method based on credit vouchers provided in this specification are as follows:

[0128] Reference Figure 8 The payment method based on credit voucher provided in this embodiment specifically includes steps S802 to S808.

[0129] Step S802: Generate a first payment channel list based on the order information of the paying user and send it to the user terminal.

[0130] In this embodiment, during the payment process of the payment user's order, a first payment channel list is generated based on the payment user's order information, and the first payment channel list is sent to the payment user's user terminal; wherein, the payment user's order information can be submitted through the payment user's user terminal, and can also be forwarded through the merchant device or merchant server of the merchant that conducts transactions with the payment user.

[0131] After the first payment channel list is sent to the user terminal, the user terminal receives the first payment channel list generated for the order information and displays the first payment channel list. Specifically, the first payment channel list can be displayed on the payment page, such as on the payment page of the application. In the process of generating the first payment channel list, in order to recommend the credit certificate application to the payment user during the order payment process, the application identification method for the credit certificate application can be configured in the first payment channel list, so that the credit certificate application can be recommended to the payment user during the process of displaying the first payment channel list to the payment user.

[0132] Optionally, the first payment channel list includes an application identifier for applying for a credit certificate. A credit certificate refers to a medium-type certificate that records account-related information of the holder, has a credit limit and can make payments based on the credit limit, and provides relevant services to the holder, such as an electronic credit card or a physical credit card; a credit certificate application refers to the process of applying for a credit certificate from a certificate institution that provides credit certificates; an application identifier can be certificate-related information of the credit certificate and / or recommendation information for applying for a credit certificate recommended to the paying user.

[0133] Optionally, the application identification includes identification information of the credit voucher, voucher rights and interests information and / or voucher credit limit information. Among them, the identification information of the credit voucher may be the name information or recommendation information of the credit voucher; the voucher rights and interests information refers to the rights and interests information that can be obtained after applying for the credit voucher, for example, the voucher rights and interests information may be "instant discount of 50 yuan", that is, the voucher rights and interests are that the user can reduce 50 yuan when paying for the order after applying for the credit voucher; the voucher credit limit information refers to the voucher credit limit of the credit voucher obtained after applying for the credit voucher, which is also the credit limit that the paying user can use the credit voucher for credit payment.

[0134] In specific implementation, the credit voucher application is recommended to the paying user during the order payment process, specifically, the credit voucher application is recommended by adding an application identifier for the credit voucher application to the first payment channel list. In view of this, it is necessary to detect whether to recommend the credit voucher application to the paying user who is currently making the order payment before generating the first payment channel list. For example, based on a preset user group for recommending the credit voucher application, if the paying user who is currently making the order payment is in the preset user group, the credit voucher application is recommended to the paying user, that is, the first payment channel list containing the application identifier for the credit voucher application is returned. In an optional implementation manner provided in this embodiment, the payment user detection is performed in the following manner:

[0135] Detecting whether there is a paying user corresponding to the order information in the preset user group;

[0136] If so, it indicates that the current payment user making order payment is in the preset user group, that is, the current payment user making order payment is a preset recommended payment user for credit voucher application, and a process of generating a first payment channel list according to the order information of the payment user and issuing the list to the user terminal is executed;

[0137] If not, it means that the payment user currently paying the order is not in the preset user group, that is, the payment user currently paying the order is not the pre-set recommended payment user for credit certificate application. In this case, a payment channel list can be generated for the order information (the payment channel list does not include the application identifier for credit certificate application) and sent to the user terminal.

[0138] In order to realize the integration of order payment with credit voucher application, credit voucher activation and payment channel binding of credit vouchers, an application identifier for credit voucher application is configured in the first payment channel list during the order payment process, and the credit voucher application can be recommended for those payment users who have applied for credit vouchers at the voucher institution and obtained credit vouchers, that is, to recommend these payment users to apply for credit vouchers again (secondarily) at the voucher institution. Optionally, the preset user group is composed of voucher users who have applied for credit vouchers at the voucher institution to which the credit voucher subroutine belongs. Here, voucher users refer to users who have applied for credit vouchers at the voucher institution and obtained credit vouchers before the current order payment is made.

[0139] In this embodiment, in order to improve the effectiveness of recommending credit credential applications to paying users during the order payment process, and thereby improve the conversion of paying users who make order payments into actual credit credential applications, more comprehensive and effective recommendation information may be configured in the application identifier included in the first payment channel list, such as configuring credential rights and interests information and / or credential limit information in the application identifier, so that paying users who make order payments can more clearly perceive the rights and interests and / or limit of the currently recommended credit credential.

[0140] Specifically, in an optional implementation manner provided in this embodiment, the application identifier is determined in the following manner:

[0141] determining a user recommendation preference based on the second user behavior data of the application;

[0142] If the user recommendation preference is the first recommendation preference, the voucher rights and interests information for applying for the credit voucher is added to the application identifier; the voucher rights and interests information is determined by inputting the second user behavior data into a rights and interests pricing algorithm to perform rights and interests pricing calculation;

[0143] If the user recommendation preference is the second recommendation preference, the voucher limit information for the credit voucher application is added to the application identifier.

[0144] In addition, after determining the user recommendation preference based on the second user behavior data of the application, if the determined user recommendation preference is the third user preference, the voucher rights and interests information for the credit voucher application can also be added to the application identification, and the voucher limit information for the credit voucher application can be added to the application identification.

[0145] Here, the second user behavior data of the application refers to the data related to the recommendation preferences of the paying user accumulated during the use of the application, such as the recommendation information of the paying user in the previous payment process, and / or the triggering action record or access record of the paying user to the recommendation information in the previous payment process. It should be pointed out that, considering that the second user behavior data belongs to the user's privacy to a certain extent, it is possible to obtain user data authorization before obtaining the second user behavior data of the payment application in the application. The data authorization method can be to send a data authorization reminder to the user. After the user confirms the data authorization reminder through an instruction, the use authorization of the second user behavior data can be obtained. In addition, data authorization can also be performed through other methods, and the use authorization of the second user behavior data can be obtained after the user's instruction is confirmed.

[0146] In actual applications, when payment users select payment channels from the payment channel list for payment, the payment selection preferences of different payment users may be different. In view of this, in the process of recommending credit voucher applications to payment users through the payment channel list, in order to improve the conversion of payment users who make order payments participating in credit voucher applications, different positions can be set for application identifiers in the first payment channel list of different payment users. This can ensure the payment efficiency of payment users while improving the conversion rate of payment users who make order payments participating in credit voucher applications.

[0147] Specifically, in an optional implementation provided by this embodiment, the ranking of the application identification in the first payment channel list is determined in the following manner: determining the user payment preference according to the third user behavior data of the application, and determining the ranking of the application identification in the first payment channel list based on the user payment preference. In addition, the ranking of the application identification in the first payment channel list can also be determined according to the recommendation strategy of the application. The recommendation strategy can be a strategy for a recommendation activity or a marketing activity. Among them, the ranking of the application identification in the first payment channel list refers to the sorting position of the application identification in the first payment channel list.

[0148] The third user behavior data of an application refers to the data related to the payment preferences of the paying user accumulated during the use of the application, such as the payment channels selected by the paying user in previous payment processes and the ranking of the payment channels. It should be pointed out that, considering that the third user behavior data belongs to the user's privacy to a certain extent, the third user behavior data can be authorized in a similar manner to the second user behavior data mentioned above. In particular, the third user behavior data and the second user behavior data can still be the same user behavior data. In this case, the third user behavior data and the second user behavior data can simultaneously include the data related to the payment preferences of the paying user accumulated during the use of the application and / or the data related to the recommended preferences of the paying user accumulated during the use of the application.

[0149] Step S804, based on the credential binding request sent after the credit credential application and credit credential activation in the credit credential subroutine, the activated credit credential is bound to the payment channel.

[0150] After the first payment channel list containing the application identifier for applying for a credit credential is issued to the user terminal, the user terminal displays the first payment channel list. On this basis, the paying user can select any payment channel other than the application identifier in the first payment channel list to make order payment, and can also select the application identifier in the first payment channel list to make order payment. The difference is that if the application identifier in the first payment channel list is triggered, an application for a credit credential will be made first during the order payment process. In this embodiment, based on the payment user selecting the application identifier in the first payment channel list, the payment request based on the application identifier jumps to the credit credential subroutine, so as to apply for and activate the credit credential in the credit credential subroutine, and bind the activated credit credential to the payment channel through the server.

[0151] Optionally, the user terminal jumps to the credit credential subroutine based on the payment request of the application identifier, and applies for and activates the credit credential in the credit credential subroutine.

[0152] In the process of jumping to the credit credential subroutine based on the payment request of the application identifier, the credential institutions corresponding to different application identifiers may be different. Accordingly, the credit credential subroutine may jump to the credit credential subroutine of different credential institutions. In an optional implementation manner provided by this embodiment, a payment request carrying the application identifier submitted by a user terminal is received, the subroutine link of the credential institution corresponding to the application identifier (i.e., the subroutine link of the credit credential subroutine) is determined and returned to the user terminal; after the return, the user terminal can jump to the credit credential subroutine based on the returned subroutine link.

[0153] During the specific execution process, the first payment channel list can be displayed through the payment page of the application. Based on this, in the process of jumping to the credit credential subroutine, when the credit credential subroutine is running in the application, it is possible to jump from the payment page to the credit credential subroutine; or, when the payment page is provided by the application, it is also possible to jump from the application to the credit credential subroutine.

[0154] In addition, the credit credential subroutine can also be replaced by the organization page of the credential agency within the application. Accordingly, the payment request based on the application identifier jumps to the credit credential subroutine, which can be replaced by the payment request based on the application identifier jumping to the organization page of the credential agency corresponding to the application identifier; and, credit credential application and credit credential activation in the credit credential subroutine can be replaced by credit credential application and credit credential activation on the organization page.

[0155] In this embodiment, after jumping to the credit credential subroutine, the credit credential application and credit credential activation are performed in the credit credential subroutine. The following specifically describes the processes of credit credential application and credit credential activation in the credit credential subroutine.

[0156] (1) Credit certificate application

[0157] In an optional implementation manner provided in this embodiment, the credit certificate application is implemented in the following manner:

[0158] The credit credential subroutine obtains key identity fields input through the application page and submits the key identity fields to the credential server;

[0159] The credential server determines the credential application data according to the key identity field and performs a credential application review, and sends the review result to the credit credential subprogram.

[0160] Among them, the key identity fields include name, pinyin (name in pinyin) and / or ID number (ID number of the identity document); in the process of determining the credential application data based on the key identity fields and conducting a credential application review, the credential server can query the historical application records based on the key identity fields, and conduct a credential application review based on the application data determined by the historical application records to obtain the review result, which is a successful review result or a failed review result.

[0161] Furthermore, in order to improve the efficiency of credit credential application, reduce the time for order payment, improve the order payment efficiency of payment users, and also to improve the success rate of credit credential application and reduce the probability of review failure or re-review due to incorrect key identity fields entered by payment users, optionally, the application page is configured with a field collection control; after the field collection control is triggered, the identity acquisition interface is called to obtain the key identity field from the application, and the key identity field is written into the application page; the credit credential subroutine runs in the application.

[0162] In addition, after jumping to the credit voucher subroutine, in order to further increase the willingness of the paying user to apply for the credit voucher, and thus increase the conversion of the paying user who makes order payment to participate in the credit voucher application, the credit voucher application can be further recommended to the paying user on the application page for the credit voucher application. Optionally, the voucher server obtains the voucher recommendation data of the application page by calling the voucher recommendation interface;

[0163] Specifically, in an optional implementation manner provided by this embodiment, the credential recommendation data is determined in the following manner:

[0164] Determine a page material type according to the first user behavior data of the application program, and determine the page material and dynamic display parameters under the page material type;

[0165] The page material and the dynamic display parameters are used as the credential recommendation data.

[0166] Among them, the first user behavior data of the application refers to the payment-related data accumulated by the paying user during the use of the application, such as the paying user's previous payment-related data, or the access data of visiting and browsing the application. It should be pointed out that, considering that the first user behavior data belongs to the user's privacy to a certain extent, the first user behavior data can be authorized in a similar manner to the second user behavior data mentioned above. In particular, the first user behavior data and the third user behavior data and the second user behavior data can still be the same user behavior data. In this case, the first user behavior data, the third user behavior data and the second user behavior data can simultaneously include payment-related data, data related to the paying user's payment preferences accumulated by the paying user during the use of the application, and / or data related to the paying user's recommendation preferences accumulated by the paying user during the use of the application.

[0167] Page material type refers to the material type of page material recommended to paying users displayed on the application page. The page material can be text, image, animation, voice and / or video. Accordingly, the material type can be text type, image type, animation type, voice type and / or video type; dynamic display parameters refer to relevant parameters for displaying page materials on the application page, such as position parameters of page materials displayed on the application page, position change parameters and / or time parameters corresponding to position parameters, size parameters, font parameters and / or color parameters of page materials displayed on the application page.

[0168] As described above, this embodiment realizes the integration of order payment and credit voucher application in the order payment process. On this basis, in order to improve the payment experience of payment users in the integrated scenario of credit voucher application and order payment, the payment waiting page can also be displayed after the process of entering key identity fields on the application page is completed and before the review result of the voucher application review in the credit voucher application process is obtained.

[0169] Optionally, the credit credential subprogram displays a payment waiting page after submitting the key identity field to the credential server, and closes the payment waiting page after receiving the review result.

[0170] In addition, the credit credential subroutine may cooperate with the application to display the payment waiting page. Specifically, after the credit credential subroutine submits the key identity field to the credential server, it returns the payment waiting time to the application, and the application displays the payment waiting page according to the payment waiting time; or, after the credit credential subroutine submits the key identity field to the credential server, it returns the payment waiting instruction to the application, the application displays the payment waiting page based on the payment waiting instruction, and closes the payment waiting page after receiving the successful review result returned by the credit credential subroutine.

[0171] It should be noted that after the payment user applies for a credit certificate, the certificate application review process performed by the certificate server is an online review process, and the time required for this review process can be controlled within 10 seconds. Therefore, the credit certificate application and credit certificate activation introduced in the order payment process provided by this embodiment are continuous or relatively continuous processing processes. Therefore, the order payment process and the credit certificate application and credit certificate activation process can be regarded as a continuous integrated processing process. Alternatively, from the perspective of payment user interaction, the payment user performs credit certificate application and credit certificate activation during the order payment process, and the credit certificate application can be completed in a relatively short time (within 10 seconds), and the order payment will not be interrupted due to the long time required for the credit certificate application.

[0172] (2) Credit certificate activation

[0173] This embodiment introduces credit credential application and credit credential activation in the order process, and in order to enable the current order payment to use the credit credential obtained through the credit credential application and credit credential activation, the obtained credit credential is bound to the payment channel list of the paying user, so that the paying user can select the credit credential in the payment channel list to pay for the order during the current order payment process, thereby realizing the integration of order payment with credit credential application, credit credential activation, and credit credential binding.

[0174] Specifically, the credit certificate activation can be implemented by adopting the following optional implementation methods:

[0175] The credit credential subprogram receives and displays the activation page with the successful audit result issued by the credential server, and submits the identity authentication information input through the activation page to the credential server;

[0176] After the credential server successfully performs identity authentication based on the identity authentication information, it performs activation processing on the credit credential, and after successful activation, sends a credential binding request through an interface call.

[0177] Among them, the activation page can display the credential information of the credit credential obtained by the payment user after successfully applying for the credit credential; in addition, the activation page can also configure the verification component of the identity authentication; further, the activation control can also be configured on the activation page. The state of the activation control before the successful identity authentication is an untriggerable state. After the successful identity authentication, the activation control configured on the activation page is updated to a triggerable state. At this time, the payment user can initiate credit credential activation and credit credential binding by triggering the activation control.

[0178] Thereafter, when the payment user initiates credit credential activation by triggering the activation control, in order to enhance the payment user's perception of the credit credential activation process and the credit credential binding process, an activation completion reminder may be displayed through the activation page after the credit credential activation is completed, and a binding completion reminder may be displayed through the activation page after the credit credential binding is completed. Alternatively, after both the credential activation and the credit credential binding are completed, reminders of activation completion and binding completion may be displayed through the activation page.

[0179] In addition, based on the integration of order payment with credit credential application, credit credential activation, and credit credential binding achieved in this embodiment, in order to improve the efficiency of credit credential activation and reduce the time required for order payment, credit credential activation can also be achieved in the following way: the credit credential subroutine receives and displays the activation page with the successful review result issued by the credential server, and submits an activation instruction to the credential server; the credential server performs credit credential activation processing based on the activation instruction, and sends a credential binding request to the server through an interface call after successful activation.

[0180] In actual applications, after applying for a credit voucher during the order payment process, some paying users may not be willing to activate the credit voucher for the time being or may want to postpone the activation of the credit voucher. In this regard, in order to ensure the smooth progress of the order payment and the success rate of the order payment, and also to provide paying users with more flexible options for the credit voucher application and credit voucher activation introduced during the order payment process, a payment control that returns to the payment channel list can also be set on the activation page. Based on this, the paying user can continue the order payment process by triggering the payment control.

[0181] Optionally, the activation page is configured with a payment control. If the payment control is triggered, the credit credential subroutine returns to the application, and the order payment is made based on the target payment channel selected from the payment channel list displayed in the application.

[0182] It should be noted that the payment channel list, the first payment channel list and the second payment channel list described below are all payment channel lists of payment users. The differences are as follows: the payment channel list consists of the payment channels of payment users in the application; the first payment channel list adds an application identifier for applying for credit credentials on the basis of the payment channel list, that is, the first payment channel list consists of the application identifier and the payment channels of payment users in the application; the second payment channel list adds credit credentials on the basis of the payment channel list (after the credit credentials are bound as described below, they are added to the payment channel list as a payment channel), that is, the second payment channel list consists of credit credentials and the payment channels of payment users in the application.

[0183] In specific implementation, after the credit credential subroutine applies for and activates the credit credential, after receiving the credential binding request, the payment channel is bound to the activated credit credential based on the credential binding request. Specifically, the activated credit credential is bound to the payment channel list of the payment user to obtain a second payment channel list.

[0184] Among them, the credential binding request can be sent by the credential server in the credit credential subroutine to apply for credit credentials and activate credit credentials. Optionally, after the payment channel binding is completed, a binding success prompt is returned to the credential server, and the credential server sends a jump back instruction to the credit credential subroutine based on the binding success prompt; the credit credential subroutine jumps to the payment page of the second payment channel list based on the sent jump back instruction.

[0185] Step S806: Send the second payment channel list including the credit certificate obtained after binding to the user terminal.

[0186] After the credit credential application and credit credential activation are performed in the credit credential subroutine, the activated credit credential is bound to the payment channel list of the payment user to obtain the second payment channel list, and the second payment channel list containing the credit credential obtained after binding is sent to the user terminal.

[0187] During the order payment process, the user terminal obtains the issued second payment channel list containing the credit voucher, and based on the display of the second payment channel list, the paying user can select any payment channel in the second payment channel list to make order payment. If any payment channel other than the credit voucher in the second payment channel list is selected, an order payment instruction of any selected payment channel is submitted to the server. Here, the order payment instruction of any payment channel submitted by the user terminal is received, and the order payment is made through any selected payment channel.

[0188] Step S808: according to the payment instruction of the credit voucher submitted by the user terminal, the order payment is made through the credit voucher.

[0189] After the second payment channel list containing the credit voucher obtained after binding is sent to the user terminal, the paying user can select any payment channel in the second payment channel list to pay for the order, and can also select the credit voucher in the second payment channel list to pay. In this embodiment, when the paying user selects the credit voucher in the second payment channel list to pay, the payment instruction of the credit voucher is obtained and submitted to the server. Here, according to the payment instruction of the credit voucher submitted by the user terminal, the order payment is made through the credit voucher.

[0190] In addition, in the process of order payment based on credit vouchers, order payment can also be made in installments or in installments through credit vouchers. Specifically, in the scenario where order payment is integrated with credit voucher application and credit voucher activation in this embodiment, payment periods can be configured or selected in the credit voucher application. Optionally, the application page displays recommended payment periods for the credit voucher, or the application page is configured with a payment period selection control, which displays candidate payment periods for the credit voucher after being triggered.

[0191] Based on this, in an optional implementation manner provided by this embodiment, order payment is performed through a credit voucher, including:

[0192] Obtaining the payment period submitted through the application page, and creating an installment payment order for the order information according to the payment period;

[0193] The payment period is determined by selecting from candidate payment periods of the credit voucher on the application page, or the recommended payment period displayed on the application page is used as the payment period.

[0194] The following takes the application of a payment method based on a credit voucher provided in this embodiment in an order payment scenario as an example, combined with Figure 7 , for further explanation of the payment method based on credit voucher provided in this embodiment, see Figure 7 , a payment method based on credit vouchers applied to order payment scenarios specifically includes the following steps.

[0195] Step S702, detecting whether there is a paying user corresponding to the order information in the preset user group.

[0196] Optionally, the preset user group is composed of credential users who have applied for credit credentials from a credential institution to which the credit credential subprogram belongs.

[0197] If yes, execute step S704;

[0198] If not, a payment channel list (excluding the application identifier for applying for a credit certificate) is generated for the order information and sent to the user terminal.

[0199] Step S704: Generate a first payment channel list based on the order information of the paying user and send it to the user terminal.

[0200] Optionally, the first payment channel list includes an application identifier for applying for a credit credential.

[0201] Step S710, determining the subroutine link of the credential institution corresponding to the application identifier carried in the payment request.

[0202] Step S712: Return the subroutine link of the credential institution corresponding to the application identifier to the user terminal.

[0203] Step S716, in response to the credential binding request sent after the credit credential subroutine applies for the credit credential and activates the credit credential, the activated credit credential is bound to the payment channel list to obtain a second payment channel list.

[0204] Optionally, credit certificate application can be implemented in the following ways:

[0205] The credit credential subroutine obtains the key identity fields entered through the application page and submits the key identity fields to the credential server;

[0206] The credential server determines the credential application data based on the key identity fields and reviews the credential application, and sends the review results to the credit credential subroutine.

[0207] Optionally, credit credential activation is achieved in the following ways:

[0208] The credit credential subroutine receives and displays the activation page with the successful audit result issued by the credential server, and submits the identity authentication information entered through the activation page to the credential server;

[0209] After the credential server successfully authenticates the identity based on the identity authentication information, it activates the credit credential and sends a credential binding request to the server through an interface call after the activation is successful.

[0210] Step S718: Send the second payment channel list containing the credit voucher obtained after binding to the user terminal.

[0211] Step S724: according to the payment instruction of the credit voucher submitted by the user terminal, the order payment is made through the credit voucher.

[0212] It should be noted that any one or any combination of steps in steps S702 to S704, steps S710 to S712, and step S716 can be combined with any one or any combination of steps in the above steps S802 to S808 to form a new implementation method according to the needs of implementation deployment; in addition, according to the needs of actual deployment, any one or any combination of technical features in steps S702 to S704, steps S710 to S712, and step S716 can be selected and combined with any one or more technical features provided in the above steps S802 to S808 to form a new implementation method; or, any one or any combination of technical features in steps S702 to S704, steps S710 to S712, and step S716 can be replaced with any one or more technical features provided in the above steps S802 to S808 to form a new implementation method according to the needs of actual deployment, which will not be repeated here.

[0213] An embodiment of a payment device based on a credit certificate provided in this specification is as follows:

[0214] In the above-mentioned embodiment, a payment method based on a credit certificate is provided, which can be applied to a user terminal. Correspondingly, a payment device based on a credit certificate is also provided, which can be run on a user terminal, and is described below with reference to the accompanying drawings.

[0215] Reference Fig. 9 , which shows a schematic diagram of an embodiment of a payment device based on credit credentials provided in this embodiment.

[0216] Since the device embodiment corresponds to the method embodiment, the description is relatively simple, and the relevant parts can refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0217] This embodiment provides a payment device based on a credit certificate, the device comprising:

[0218] The first receiving module 902 is configured to receive and display a first payment channel list generated for the order information and issued by the server; the first payment channel list includes an application identifier for applying for a credit certificate;

[0219] The jump module 904 is configured to jump to the credit credential subprogram based on the payment request of the application identifier, so as to apply for and activate the credit credential in the credit credential subprogram, and bind the activated credit credential to the payment channel through the server;

[0220] A second receiving module 906 is configured to receive and display a second payment channel list including the credit voucher issued by the server;

[0221] The instruction submission module 908 is configured to submit the payment instruction of the obtained credit certificate to the server so as to make order payment through the credit certificate.

[0222] Another embodiment of a payment device based on a credit certificate provided in this specification is as follows:

[0223] In the above-mentioned embodiment, another payment method based on credit certificate is provided, which can be applied to the server. Correspondingly, another payment device based on credit certificate is also provided, which can be run on the server, and is described below with reference to the accompanying drawings.

[0224] Reference Fig.10 , which shows a schematic diagram of an embodiment of a payment device based on credit credentials provided in this embodiment.

[0225] Since the device embodiment corresponds to the method embodiment, the description is relatively simple, and the relevant parts can refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0226] This embodiment provides a payment device based on a credit certificate, the device comprising:

[0227] The first issuing module 1002 is configured to generate a first payment channel list according to the order information of the payment user and issue it to the user terminal; the first payment channel list includes an application identifier for applying for a credit certificate;

[0228] The binding module 1004 is configured to bind the activated credit voucher to a payment channel based on a voucher binding request sent after the credit voucher application and credit voucher activation in the credit voucher subroutine;

[0229] The second sending module 1006 is configured to send the second payment channel list obtained after binding and containing the credit certificate to the user terminal;

[0230] The order payment module 1008 is configured to make order payment through the credit voucher according to the payment instruction of the credit voucher submitted by the user terminal.

[0231] An embodiment of a payment device based on a credit certificate provided in this specification is as follows:

[0232] Corresponding to the above-described payment method based on credit vouchers applicable to a user terminal, based on the same technical concept, one or more embodiments of this specification further provide a payment device based on credit vouchers, which is used to execute the above-described payment method based on credit vouchers applicable to a user terminal. Figure 8 A schematic diagram of the structure of a payment device based on credit credentials provided in one or more embodiments of this specification.

[0233] This embodiment provides a payment device based on a credit certificate, including:

[0234] like Fig.11 As shown, the payment device based on credit credentials may have relatively large differences due to different configurations or performances, and may include one or more processors 1101 and memory 1102, and the memory 1102 may store one or more storage applications or data. Among them, the memory 1102 may be a short-term storage or a persistent storage. The application stored in the memory 1102 may include one or more modules (not shown in the figure), and each module may include a series of computer executable instructions in the payment device based on credit credentials. Further, the processor 1101 may be configured to communicate with the memory 1102, and execute a series of computer executable instructions in the memory 1102 on the payment device based on credit credentials. The payment device based on credit credentials may also include one or more power supplies 1103, one or more wired or wireless network interfaces 1104, one or more input / output interfaces 1105, one or more keyboards 1106, etc.

[0235] In a specific embodiment, the payment device based on credit credentials includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer executable instructions for the payment device based on credit credentials, and the one or more programs are configured to be executed by one or more processors, including computer executable instructions for performing the following:

[0236] Receiving and displaying a first payment channel list generated for order information and issued by a server; the first payment channel list includes an application identifier for applying for a credit certificate;

[0237] The payment request based on the application identifier jumps to the credit credential subprogram, so as to apply for and activate the credit credential in the credit credential subprogram, and bind the activated credit credential to the payment channel through the server;

[0238] receiving and displaying a second payment channel list including the credit voucher issued by the server;

[0239] Submit the payment instruction of the obtained credit certificate to the server to make order payment through the credit certificate.

[0240] Another payment device embodiment based on credit credentials provided in this specification is as follows:

[0241] Corresponding to the above-described another payment method based on credit vouchers applicable to a server, based on the same technical concept, one or more embodiments of this specification also provide another payment device based on credit vouchers, which is used to execute the above-described another payment method based on credit vouchers applicable to a server. Fig.12 A schematic diagram of the structure of another payment device based on credit credentials provided for one or more embodiments of this specification.

[0242] This embodiment provides a payment device based on a credit certificate, including:

[0243] like Fig.12 As shown, the payment device based on credit credentials may have relatively large differences due to different configurations or performances, and may include one or more processors 1201 and memory 1202, and the memory 1202 may store one or more storage applications or data. Among them, the memory 1202 may be a short-term storage or a persistent storage. The application stored in the memory 1202 may include one or more modules (not shown in the figure), and each module may include a series of computer executable instructions in the payment device based on credit credentials. Furthermore, the processor 1201 may be configured to communicate with the memory 1202, and execute a series of computer executable instructions in the memory 1202 on the payment device based on credit credentials. The payment device based on credit credentials may also include one or more power supplies 1203, one or more wired or wireless network interfaces 1204, one or more input / output interfaces 1205, one or more keyboards 1206, etc.

[0244] In a specific embodiment, the payment device based on credit credentials includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer executable instructions for the payment device based on credit credentials, and the one or more programs are configured to be executed by one or more processors, including computer executable instructions for performing the following:

[0245] Generate a first payment channel list according to the order information of the payment user and send it to the user terminal; the first payment channel list includes an application identifier for applying for a credit certificate;

[0246] Binding the activated credit voucher to the payment channel based on the voucher binding request sent after the credit voucher application and credit voucher activation in the credit voucher subroutine;

[0247] Sending the second payment channel list obtained after binding and containing the credit certificate to the user terminal;

[0248] According to the payment instruction of the credit voucher submitted by the user terminal, the order payment is made through the credit voucher.

[0249] An embodiment of a computer-readable storage medium provided in this specification is as follows:

[0250] Corresponding to the above-described payment method based on credit vouchers, based on the same technical concept, one or more embodiments of this specification also provide a computer-readable storage medium.

[0251] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions, and the computer-executable instructions implement the following process when executed:

[0252] Receiving and displaying a first payment channel list generated for order information and issued by a server; the first payment channel list includes an application identifier for applying for a credit certificate;

[0253] The payment request based on the application identifier jumps to the credit credential subprogram, so as to apply for and activate the credit credential in the credit credential subprogram, and bind the activated credit credential to the payment channel through the server;

[0254] receiving and displaying a second payment channel list including the credit voucher issued by the server;

[0255] Submit the payment instruction of the obtained credit certificate to the server to make order payment through the credit certificate.

[0256] It should be noted that an embodiment of a computer-readable storage medium in this specification and an embodiment of a payment method based on a credit certificate in this specification are based on the same inventive concept, so the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0257] Another computer-readable storage medium embodiment provided in this specification is as follows:

[0258] Corresponding to the other payment method based on credit vouchers described above, based on the same technical concept, one or more embodiments of this specification also provide another computer-readable storage medium.

[0259] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions, and the computer-executable instructions implement the following process when executed:

[0260] Generate a first payment channel list according to the order information of the payment user and send it to the user terminal; the first payment channel list includes an application identifier for applying for a credit certificate;

[0261] Binding the activated credit voucher to the payment channel based on the voucher binding request sent after the credit voucher application and credit voucher activation in the credit voucher subroutine;

[0262] Sending the second payment channel list obtained after binding and containing the credit certificate to the user terminal;

[0263] According to the payment instruction of the credit voucher submitted by the user terminal, the order payment is made through the credit voucher.

[0264] It should be noted that the embodiment of another computer-readable storage medium in this specification and the embodiment of another payment method based on credit vouchers in this specification are based on the same inventive concept, so the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0265] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referenced to each other. Each embodiment focuses on the differences from other embodiments. For example, the device embodiment, equipment embodiment and computer-readable storage medium embodiment are similar to the method embodiment, so the description is relatively simple. To read the relevant contents in the device embodiment, equipment embodiment and computer-readable storage medium embodiment, please refer to the partial description of the method embodiment.

[0266] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0267] In the 1930s, improvements to a technology could be clearly distinguished as hardware improvements (for example, improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the method flow). However, with the development of technology, many improvements to the method flow today can be regarded as direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that an improvement in a method flow cannot be implemented using a hardware entity module. For example, a programmable logic device (PLD) (such as a field programmable gate array (FPGA)) is such an integrated circuit whose logical function is determined by the user's programming of the device. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to ask a chip manufacturer to design and produce a dedicated integrated circuit chip. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly implemented by "logic compiler" software, which is similar to the software compiler used when developing and writing programs, and the original code before compilation must also be written in a specific programming language, which is called hardware description language (HDL). There is not only one HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also know that it is only necessary to program the method flow slightly in the above-mentioned hardware description languages ​​and program it into the integrated circuit, and then it is easy to obtain the hardware circuit that implements the logic method flow.

[0268] The controller can be implemented in any appropriate manner, for example, the controller can take the form of a microprocessor or processor and a computer-readable medium storing a computer-readable program code (such as software or firmware) that can be executed by the (micro)processor, a logic gate, a switch, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320. The memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art also know that in addition to implementing the controller in a purely computer-readable program code manner, the controller can be implemented in the form of a logic gate, a switch, an application-specific integrated circuit, a programmable logic controller, and an embedded microcontroller by logically programming the method steps. Therefore, this controller can be considered as a hardware component, and the devices included therein for implementing various functions can also be regarded as structures within the hardware component. Or even, the devices for implementing various functions can be regarded as both software modules for implementing the method and structures within the hardware component.

[0269] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0270] For the convenience of description, the above devices are described in terms of functions and are divided into various units. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0271] It should be understood by those skilled in the art that one or more embodiments of this specification may be provided as a method, system or computer program product. Therefore, one or more embodiments of this specification may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, this specification may take the form of a computer program product implemented on one or more computer-readable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0272] This specification is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of this specification. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0273] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0274] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process in the computer or other programmable device. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0275] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0276] The memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0277] Computer-readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer-readable instructions, data structures, program modules or other data. Examples of computer-readable storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include temporary computer-readable media (transitory media), such as modulated data signals and carrier waves.

[0278] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity 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, commodity or device. In the absence of further restrictions, the elements defined by the sentence "includes at least one ..." do not exclude the presence of other identical elements in the process, method, commodity or device including the elements.

[0279] One or more embodiments of the present specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. One or more embodiments of the present specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0280] The above description is only an embodiment of this document and is not intended to limit this document. For those skilled in the art, this document may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this document should be included in the scope of the claims of this document.

Claims

1. A payment method based on a credit voucher, comprising: Receiving and displaying a first payment channel list generated for order information and issued by a server; the first payment channel list includes an application identifier for applying for a credit certificate; The payment request based on the application identifier jumps to the credit credential subprogram, so as to apply for and activate the credit credential in the credit credential subprogram, and bind the activated credit credential to the payment channel through the server; receiving and displaying a second payment channel list including the credit voucher issued by the server; Submit the payment instruction of the obtained credit certificate to the server to make order payment through the credit certificate.

2. According to the payment method based on credit voucher in claim 1, the credit voucher application is implemented in the following manner: The credit credential subroutine obtains key identity fields input through the application page and submits the key identity fields to the credential server; The credential server determines the credential application data according to the key identity field and performs a credential application review, and sends the review result to the credit credential subprogram.

3. According to the credit voucher-based payment method of claim 2, the application page is configured with a field collection control; After the field acquisition control is triggered, the identity acquisition interface is called to acquire the key identity field from the application, and the key identity field is written into the application page; the credit certificate subroutine runs in the application.

4. The payment method based on credit voucher according to claim 2, wherein the order payment is made by using the credit voucher, comprising: Obtaining the payment period submitted through the application page, and creating an installment payment order for the order information according to the payment period; The payment period is determined by selecting from candidate payment periods of the credit voucher on the application page, or the recommended payment period displayed on the application page is used as the payment period.

5. The credit voucher-based payment method according to claim 2, wherein the voucher server obtains the voucher recommendation data of the application page from the server by calling a voucher recommendation interface; in, The credential recommendation data is determined in the following manner: Determine a page material type according to the first user behavior data of the application program, and determine the page material and dynamic display parameters under the page material type; The page material and the dynamic display parameters are used as the credential recommendation data.

6. The credit credential-based payment method according to claim 3, wherein the credit credential subprogram displays a payment waiting page after submitting the key identity field to the credential server, and closes the payment waiting page after receiving the review result; or, After submitting the key identity field to the credential server, the credit credential subroutine returns the payment waiting time to the application program, and the application program displays the payment waiting page according to the payment waiting time.

7. The payment method based on credit voucher according to claim 1, wherein the payment request based on the application identifier jumps to the credit voucher subroutine, comprising: Submitting a payment request carrying the application identifier to the server, so that the server determines a subroutine link of a credential institution corresponding to the application identifier and returns it; Jump to the credit credential subroutine based on the returned subroutine link.

8. The payment method based on credit voucher according to claim 1, wherein the credit voucher activation is implemented in the following manner: The credit credential subprogram receives and displays the activation page with the successful audit result issued by the credential server, and submits the identity authentication information input through the activation page to the credential server; After the credential server successfully performs identity authentication based on the identity authentication information, it activates the credit credential and sends a credential binding request to the server through an interface call after successful activation; the server binds the activated credit credential to the payment channel list in response to the credential binding request to obtain the second payment channel list.

9. According to the credit credential-based payment method of claim 8, the activation page is configured with a payment control. If the payment control is triggered, the credit credential subroutine returns to the application, and the order payment is performed based on the target payment channel selected in the payment channel list displayed in the application.

10. The credit voucher-based payment method according to claim 1, before the step of receiving and displaying the first payment channel list generated for the order information and issued by the server is performed, it also includes: Detecting whether there is a paying user corresponding to the order information in a preset user group; the preset user group is composed of voucher users who have applied for a credit voucher from a voucher institution to which the credit voucher subprogram belongs; If so, execute the step of receiving and displaying the first payment channel list generated for the order information and sent by the server.

11. The payment method based on credit voucher according to claim 1, wherein the application identifier is determined in the following manner: determining a user recommendation preference based on the second user behavior data of the application; If the user recommendation preference is the first recommendation preference, the voucher rights and interests information for applying for the credit voucher is added to the application identifier; the voucher rights and interests information is determined by inputting the second user behavior data into a rights and interests pricing algorithm to perform rights and interests pricing calculation; If the user recommendation preference is the second recommendation preference, the voucher limit information for the credit voucher application is added to the application identifier.

12. The credit credential-based payment method according to claim 1, wherein after the server performs payment channel binding, it returns a successful binding prompt to the credential server, and the credential server sends a jump back instruction to the credit credential subroutine based on the successful binding prompt; The credit credential subroutine jumps to the payment page of the second payment channel list based on the issued back jump instruction.

13. The credit voucher-based payment method according to claim 1, after the step of receiving and displaying the second payment channel list containing the credit voucher issued by the server and before the step of submitting the payment instruction of the obtained credit voucher to the server, further comprising: If it is detected that the credit voucher in the second payment channel list is selected, the voucher rights and interests information and / or voucher limit information of the credit voucher is obtained from the server and displayed.

14. The payment method based on credit vouchers according to claim 1, wherein the ranking of the application identification in the first payment channel list is determined in the following manner: determining a user payment preference according to the third user behavior data of the application, and determining a ranking of the application identifier in the first payment channel list based on the user payment preference; or, The ranking of the application identifier in the first payment channel list is determined according to the recommendation strategy of the application program.

15. A payment method based on a credit voucher, comprising: Generate a first payment channel list according to the order information of the payment user and send it to the user terminal; the first payment channel list includes an application identifier for applying for a credit certificate; Binding the activated credit voucher to the payment channel based on the voucher binding request sent after the credit voucher application and credit voucher activation in the credit voucher subroutine; Sending the second payment channel list obtained after binding and containing the credit certificate to the user terminal; According to the payment instruction of the credit voucher submitted by the user terminal, the order payment is made through the credit voucher.

16. According to the payment method based on credit voucher as claimed in claim 15, the credit voucher application is implemented in the following manner: The credit credential subroutine obtains key identity fields input through the application page and submits the key identity fields to the credential server; The credential server determines the credential application data according to the key identity field and performs a credential application review, and sends the review result to the credit credential subprogram.

17. The payment method based on credit voucher according to claim 16, wherein the order payment is made by using the credit voucher, comprising: Obtaining the payment period submitted through the application page, and creating an installment payment order for the order information according to the payment period; The payment period is determined by selecting from candidate payment periods of the credit voucher on the application page, or the recommended payment period displayed on the application page is used as the payment period.

18. The payment method based on credit voucher according to claim 15, wherein the credit voucher activation is implemented in the following manner: The credit credential subprogram receives and displays the activation page with the successful audit result issued by the credential server, and submits the identity authentication information input through the activation page to the credential server; After the credential server successfully performs identity authentication based on the identity authentication information, it performs activation processing on the credit credential, and after successful activation, sends a credential binding request through an interface call.

19. A payment device based on a credit voucher, comprising: A first receiving module is configured to receive and display a first payment channel list generated for order information and issued by a server; the first payment channel list includes an application identifier for applying for a credit certificate; a jump module configured to jump to the credit credential subprogram based on the payment request of the application identifier, so as to apply for and activate the credit credential in the credit credential subprogram, and bind the activated credit credential to the payment channel through the server; A second receiving module is configured to receive and display the second payment channel list including the credit certificate issued by the server; The instruction submission module is configured to submit the payment instruction of the obtained credit certificate to the server so as to make order payment through the credit certificate.

20. A payment device based on a credit certificate, comprising: A first issuing module is configured to generate a first payment channel list according to the order information of the payment user and issue it to the user terminal; the first payment channel list includes an application identifier for applying for a credit certificate; A binding module is configured to bind the activated credit voucher to a payment channel based on a voucher binding request sent after the credit voucher application and credit voucher activation in the credit voucher subprogram; A second sending module is configured to send the second payment channel list obtained after binding and containing the credit certificate to the user terminal; The order payment module is configured to make order payment through the credit voucher according to the payment instruction of the credit voucher submitted by the user terminal.

21. A payment device based on a credit certificate, comprising: processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: Receiving and displaying a first payment channel list generated for order information and issued by a server; the first payment channel list includes an application identifier for applying for a credit certificate; The payment request based on the application identifier jumps to the credit credential subprogram, so as to apply for and activate the credit credential in the credit credential subprogram, and bind the activated credit credential to the payment channel through the server; receiving and displaying a second payment channel list including the credit voucher issued by the server; The payment instruction of the obtained credit certificate is submitted to the server to make order payment through the credit certificate.

22. A payment device based on a credit certificate, comprising: processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: Generate a first payment channel list according to the order information of the payment user and send it to the user terminal; the first payment channel list includes an application identifier for applying for a credit certificate; Binding the activated credit voucher to the payment channel based on the voucher binding request sent after the credit voucher application and credit voucher activation in the credit voucher subroutine; Sending the second payment channel list obtained after binding and containing the credit certificate to the user terminal; According to the payment instruction of the credit voucher submitted by the user terminal, the order payment is made through the credit voucher.

23. A computer-readable storage medium for storing computer-executable instructions, wherein the computer-executable instructions implement the steps of the method of claim 1 when executed.

24. A computer-readable storage medium for storing computer-executable instructions, wherein the computer-executable instructions implement the steps of the method of claim 15 when executed.

Images