Payment method and system, electronic equipment, storage medium and program product

Abstract

The invention provides a payment method and system, electronic equipment, a storage medium and a program product, which can be used in the field of data processing. The method comprises the following steps: acquiring a first payment request, and determining a payment item corresponding to the first payment request; determining a target processing terminal in each first processing terminal for processing the payment item, and acquiring first item information of the payment item associated with the target processing terminal, the first processing terminal being used for indicating a client corresponding to a payment service; generating a payment page according to the first item information, and outputting the payment page; and acquiring payment information input based on the payment page, and sending the payment information to the target processing terminal. According to the invention, the payment efficiency is improved.

Description

Technical Field

[0001] The present application relates to the field of data processing, and in particular to a payment method, system, electronic device, storage medium and program product. Background Art

[0002] With the popularization and development of mobile Internet, many institutions provide convenient payment services, and multiple payment services have emerged that can realize payment of the same payment item.

[0003] In the exemplary technology, when a user pays via a terminal device, various payment services available for payment are displayed on the terminal device, and the user needs to select from the various payment services to complete the payment through the selected payment service.

[0004] However, there are many payment services, and it takes a long time for users to choose a payment service, which makes the payment efficiency low and reduces the user experience. Summary of the invention

[0005] The present application provides a payment method, system, electronic device, storage medium and program product, which solve the problem of low payment efficiency of users.

[0006] In a first aspect, the present application provides a payment method, the method comprising:

[0007] Obtaining a first payment request, and determining a payment item corresponding to the first payment request;

[0008] Determine a target processing terminal among various first processing terminals that process the payment items, and obtain first item information of the payment item associated with the target processing terminal, wherein the first processing terminal is used to indicate a client corresponding to a payment service;

[0009] generating a payment page according to the first project information, and outputting the payment page;

[0010] The payment information input based on the payment page is obtained, and the payment information is sent to the target processing terminal, so that the target processing terminal completes the payment requested by the first payment request according to the payment information.

[0011] In some embodiments, it also includes:

[0012] Acquire second item information of the payment item from the target processing terminal, and determine incremental information according to the second item information and the first item information;

[0013] The first project information is updated according to the incremental information.

[0014] In some embodiments, determining the incremental information according to the second project information and the first project information includes:

[0015] Acquire first data corresponding to the largest first level from the second item information;

[0016] In the second item information, second data corresponding to the first data is obtained, and a first summary parameter of the second data is determined, wherein the level corresponding to the second data is the smallest level among all descendant levels of the first level;

[0017] Determine, according to the first level identifier of the second data, third data corresponding to the second data in the first project information, and compare the first summary parameter with the second summary parameter of the third data, wherein the second level identifier of the third data in the first project information is the same as the first level identifier, and the first level identifier is set based on the first level and the corresponding minimum level;

[0018] In response to the first digest parameter being different from the second digest parameter, delta information is determined according to the second data and the third data.

[0019] In some embodiments, after the step of determining the first summary parameter of the second data, the method further includes:

[0020] In response to the first project information not including the data or summary parameter corresponding to the first level identifier, the second data and the first level identifier are determined as incremental information.

[0021] In some embodiments, determining the incremental information according to the second data and the third data includes:

[0022] Comparing each of the second data with the corresponding third data to obtain a plurality of incremental information, and marking each of the incremental information to obtain a marking time;

[0023] The updating of the first project information according to the incremental information includes:

[0024] Determine the sum of the set duration and the error duration, and modify the current time according to the sum to obtain an initial time, where the initial time is earlier than the current time;

[0025] According to the current time, the initial time and the marking time of each of the incremental information, determine the target incremental information in each of the incremental information, the marking time of the target incremental information being later than the initial time and earlier than the current time;

[0026] The first project information is updated according to the target increment information.

[0027] In some embodiments, determining the incremental information according to the second project information and the first project information includes:

[0028] Acquire the largest fourth data of the second level from the first item information;

[0029] In the first project information, fifth data corresponding to the fourth data is obtained, and a third summary parameter of the fifth data is determined, wherein the level corresponding to the fifth data is the smallest level among all descendant levels of the second level;

[0030] Determine, according to the third level identifier of the fifth data, the sixth data corresponding to the fifth data in the second project information, and compare the third summary parameter with the fourth summary parameter of the sixth data, wherein the fourth level identifier of the sixth data in the second project information is the same as the third level identifier, and the third level identifier is set based on the second level and the corresponding minimum level;

[0031] In response to the third digest parameter being different from the fourth digest parameter, delta information is determined according to the second data and the third data.

[0032] In some embodiments, after the step of determining the third summary parameter of the fifth data, the method further includes:

[0033] In response to the second project information not including data corresponding to the third level identifier, a deletion instruction is generated based on the second level and the fourth data to obtain incremental information, and the deletion instruction is used to instruct deletion of the fourth data in the first project information and the data corresponding to the descendant levels of the second level.

[0034] In some embodiments, the step of generating a payment page according to the first project information includes:

[0035] generating an auxiliary page element according to the identification data set and the payment reminder data set in the first project information;

[0036] Generate necessary page elements according to the payment element data set in the first project information;

[0037] A payment page corresponding to the target processing terminal is generated according to the auxiliary page elements and the necessary page elements.

[0038] In some embodiments, before the step of generating the auxiliary page element according to the identification data set and the payment reminder data set in the first project information, the step further includes:

[0039] Obtaining full information of the payment items from the target processing terminal;

[0040] From the full amount of information, obtain identification information, payment bill information, and payment element information;

[0041] constructing an identification data set according to the identification information, constructing the payment reminder data set according to the payment bill information, and constructing the payment element data set according to the payment element information;

[0042] The first item information corresponding to the payment item is determined according to the identification data set, the payment reminder data set and the payment element data set, and the first item information is associated with the payment item and stored.

[0043] In some embodiments, constructing the identification data set according to the identification information includes:

[0044] Acquire a service identifier of the payment service corresponding to the target processing terminal from the identifier information;

[0045] Acquire target parameters from the full amount of information, the target parameters including the area where the target processing terminal is located, payment content, business model and / or payment channel;

[0046] The item identification of the payment item is constructed according to the target parameter, and an identification data set is constructed according to the item identification and the service identification.

[0047] In some embodiments, constructing the payment reminder dataset according to the payment bill information includes:

[0048] Extracting keywords from the payment bill information;

[0049] The keywords are mapped to corresponding fields, and the payment reminder data set is constructed according to each mapped field.

[0050] In some embodiments, constructing the payment element data set according to the payment element information includes:

[0051] Acquire the payment element of the payment item from the payment element information;

[0052] The payment element data set is constructed according to the field name, type field, description field and specific field corresponding to the payment element, and the specific field is used to indicate whether the corresponding payment element is a necessary payment element.

[0053] In some embodiments, determining a target processing terminal among the first processing terminals that process the payment item includes:

[0054] Acquire current operation information and first priority parameter of each of the first processing terminals;

[0055] Determining a correction parameter of the corresponding first processing terminal according to the operation information;

[0056] According to the correction parameter corresponding to the first processing terminal, the first priority parameter corresponding to the first processing terminal is corrected to obtain a second priority parameter;

[0057] A target processing terminal is determined among the first processing terminals according to the second priority parameters.

[0058] In some embodiments, the first priority parameter and the second priority parameter are used to indicate a weight, and determining a target processing terminal in each of the first processing terminals according to each of the second priority parameters includes:

[0059] Determine the sum of the second priority parameters to obtain a weighted sum, and determine a ratio between the second priority parameter corresponding to the first processing terminal and the weighted sum;

[0060] Among the ratios, a plurality of target ratios are determined, wherein the target ratios are used to indicate ratios greater than a preset threshold value;

[0061] The target processing terminal is determined in the first processing terminals corresponding to the target ratios.

[0062] In some embodiments, determining the target processing terminal among the first processing terminals corresponding to the target ratios includes:

[0063] Determining, according to each of the target ratios, a flow splitting ratio between the first processing terminals corresponding to each of the target ratios;

[0064] According to the traffic diversion ratio, the second processing terminal to which the traffic of the first payment request is allocated is determined as the target processing terminal, the second processing terminal is used to indicate the first processing terminal corresponding to the target ratio, the traffic is used to indicate a set including multiple second payment requests, and the first payment request is any one of the second payment requests.

[0065] In some embodiments, the first priority parameter and the second priority parameter are used to indicate a priority level, and determining a target processing terminal in each of the first processing terminals according to each of the second priority parameters includes:

[0066] Among the priority levels corresponding to the second priority parameters, a maximum priority level is determined; and a first processing terminal corresponding to the maximum priority level is determined as a target processing terminal.

[0067] In some embodiments, determining the correction parameter of the corresponding first processing terminal according to the operation information includes:

[0068] Determine the status of the payment service of the corresponding first processing terminal according to the operation information;

[0069] In response to the status indicating that the payment service is in an operating state, setting a first preset value as the correction parameter;

[0070] In response to the status indicating that the payment service is in a fault state or a delisted state, a second preset value is set as the correction parameter, and the second preset value is smaller than the first preset value.

[0071] In a second aspect, the present application provides a payment system, the system comprising:

[0072] A first acquisition module, configured to acquire a first payment request and determine a payment item corresponding to the first payment request;

[0073] A determination module, used to determine a target processing terminal among various first processing terminals that process the payment items, and obtain first item information of the payment item associated with the target processing terminal, wherein the first processing terminal is used to indicate a client corresponding to a payment service;

[0074] A generating module, configured to generate a payment page according to the first project information, and output the payment page;

[0075] The second acquisition module is used to acquire the payment information input based on the payment page, and send the payment information to the target processing terminal, so that the target processing terminal can complete the payment requested by the first payment request according to the payment information.

[0076] In a third aspect, the present application provides an electronic device, comprising: a processor, and a memory and a communication interface communicatively connected to the processor;

[0077] The communication interface is used to communicate with other communication devices;

[0078] The memory is used to store computer-executable instructions;

[0079] The processor is used to execute the computer-executable instructions stored in the memory to implement the payment method provided in the first aspect.

[0080] In a fourth aspect, the present application provides a computer-readable storage medium, in which computer execution instructions are stored. When the computer execution instructions are executed by a processor, the payment method provided in the first aspect is implemented.

[0081] In a fifth aspect, the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the payment method provided in the first aspect.

[0082] The payment method, system, electronic device, storage medium and program product provided by the present application obtain the payment item corresponding to the payment request, and determine the target processing terminal among various processing terminals that process the payment item, generate a payment page based on the project information corresponding to the payment item associated with the target processing terminal, and then output the payment page, obtain the payment information input based on the payment page, and send the payment information to the target processing terminal so that the target processing terminal can complete the payment requested by the payment request according to the payment information. In the present application, when a user issues a payment request to pay for a payment item, the target processing terminal that can process the payment item is automatically determined among various processing terminals that represent the payment service, and the payment information is obtained based on the payment page generated by the project information associated with the target processing terminal, so that the payment requested by the payment request is quickly completed through the payment information, without the user having to select a payment service, thereby shortening the payment time and improving the payment efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0083] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0084] Figure 1 This is a schematic diagram of the scenarios involved in the payment method for this application;

[0085] Figure 2 A schematic diagram of the steps of a payment method provided in an embodiment of the present application Figure 1 ;

[0086] Figure 3 A schematic diagram of the steps of a payment method provided in an embodiment of the present application Figure 2 ;

[0087] Figure 4 A schematic diagram of the steps of a payment method provided in an embodiment of the present application Figure 3 ;

[0088] Figure 5 A schematic diagram of a model structure of data in project information involved in an embodiment of the present application;

[0089] Figure 6A schematic diagram of the steps of a payment method provided in an embodiment of the present application Figure 4 ;

[0090] Figure 7 A schematic diagram of the steps of a payment method provided in an embodiment of the present application Figure 5 ;

[0091] Figure 8 A schematic diagram of the steps of a payment method provided in an embodiment of the present application Figure 6 ;

[0092] Fig. 9 A schematic diagram of the steps of a payment method provided in an embodiment of the present application Figure 7 ;

[0093] Fig.10 A schematic diagram of a program module of a payment system provided in an embodiment of the present application;

[0094] Fig.11 A schematic diagram of the hardware structure of an electronic device provided in an embodiment of the present application.

[0095] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0096] In order to make the purpose, technical scheme and advantages of the embodiments of the present application clearer, the technical scheme in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, rather than all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present application. In addition, although the disclosure in the present application is introduced according to one or several exemplary examples, it should be understood that each aspect of these disclosures can also constitute a complete implementation method separately.

[0097] It should be noted that the brief description of terms in this application is only for the convenience of understanding the embodiments described below, and is not intended to limit the embodiments of this application. Unless otherwise specified, these terms should be understood according to their ordinary and common meanings.

[0098] In addition, the terms "include" and "have" and any variations thereof are intended to cover but not exclude inclusion, for example, a product or device comprising a list of components is not necessarily limited to those components expressly listed but may include other components not expressly listed or inherent to such products or devices.

[0099] The term "module" used in the embodiments of the present application refers to any known or later developed hardware, software, firmware, artificial intelligence, fuzzy logic, or a combination of hardware and / or software code that can perform the functions associated with the element.

[0100] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant laws, regulations and standards, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0101] With the rapid development of information technology, API (Application Programming Interface) services have become the key to data exchange and business integration among different institutions. As the business of institutions continues to develop, the API services that need to be accessed are becoming more and more diverse, and these API services may come from different suppliers and different business areas. The traditional access method of API services often requires institutions to invest a lot of resources in docking and management, and there are pain points such as "high threshold, long cycle, and high R&D cost". In the process of accessing, adjusting, and delisting API services, it is impossible to break the traditional delivery model of demand-driven, R&D, testing, and online launch, and it is difficult to meet the rapidly changing market needs.

[0102] In the digital payment industry, the problems of API services are particularly prominent. With the popularization and development of mobile Internet, many institutions' service apps and third-party payment institutions have provided convenient payment services, and the payment project access method is mainly based on API services, which are large in volume, dispersed, and heterogeneous.

[0103] In this regard, the inventors have proposed an idea of ​​whether it is possible to propose an API service aggregation and output solution, through which the payment device is connected with multiple API services representing payment services to realize automatic access and output of API services and unified management, thereby improving payment efficiency. This is the main source of the conception of this application.

[0104] Based on the source of the concept, the inventor found that in the digital payment scenario, when the user pays through the terminal device, the terminal device displays various payment services that can be paid, and the user needs to choose from the various payment services to complete the payment through the selected payment service. However, there are many payment services, and it takes a long time for the user to choose a payment service, which makes the user's payment efficiency low and reduces the user experience.

[0105] The inventor of the present application therefore thought that, in addition, in the digital payment scenario, when the user pays through the terminal device, the terminal device displays various payment services that can be paid, and the user needs to select from the various payment services, and then complete the payment through the selected payment service. However, there are many payment services, and it takes a long time for the user to select a payment service, which makes the user's payment efficiency low and reduces the user experience.

[0106] Reference Figure 1 , Figure 1 Schematic diagram of the application scenario of the payment method of the present application. User 100 sends a payment request to payment system 300 through terminal device 200. Terminal device 200 can be a mobile phone, a computer or a client loaded with a payment program. Payment system 300 determines the payment items requested by the payment request, and the payment items are, for example, electricity charges, network charges, and water charges. Payment system 300 determines each payment service that can process the items, and the client corresponding to the payment service is a processing terminal, that is, payment system 300 is connected to multiple processing terminals in communication, and each processing terminal is, for example, processing terminal 410, processing terminal 420, and processing terminal 430. Payment system 300 determines the target processing terminal among each processing terminal, and the target processing terminal is, for example, processing terminal 430. Payment system 300 generates a payment page through the item information of the payment items associated with the target processing terminal. Payment system 300 feeds back the payment page to terminal device 200. The user 100 enters payment information on the payment page, and the terminal device 200 feeds back the payment page containing the payment information to the payment system 300. The payment system 300 sends the payment information to the target processing terminal, so that the target processing terminal completes the payment items requested in the payment request according to the payment information.

[0107] The following Figure 1 The technical solutions shown in the present application are described in detail in conjunction with specific embodiments. It should be noted that the following embodiments can exist independently or in combination with each other, and the same or similar contents will not be described repeatedly in different embodiments.

[0108] Reference Figure 2 , Figure 2 The process diagram of the payment method provided in the embodiment of this application is as follows Figure 1 , payment methods include:

[0109] Step S201, obtaining a first payment request, and determining a payment item corresponding to the first payment request.

[0110] In this embodiment, the execution subject is the payment system. For the sake of convenience, the system is used to refer to the payment system below. The system is connected to multiple payment service providers, and the payment service providers provide payment services to realize payment. The payment service provided by the payment service provider is characterized by a processing terminal, that is, the client corresponding to the payment service is the processing terminal.

[0111] When a user needs to pay, he sends a payment request to the system through a terminal device. This payment request is defined as a first payment request. After the system obtains the first payment request, it parses the first payment request to obtain the items for which payment is requested. The payment items are defined as payment items. For example, payment items include electricity charges, water charges, gas charges, and internet charges.

[0112] Step S202, determining a target processing terminal among various first processing terminals that process payment items, and obtaining first item information of the payment item associated with the target processing terminal, wherein the first processing terminal is used to indicate a client corresponding to the payment service.

[0113] After determining the payment items, the system determines, among all payment services, a payment service that can process the payment items as a target payment service, and a processing terminal corresponding to the target payment service is defined as a first processing terminal.

[0114] The system determines the target processing terminal among the first processing terminals. Exemplarily, the system obtains the operating status of each first processing terminal, and if the operating status of the first processing terminal indicates that the first processing terminal is in an idle state, the idle first processing terminal is determined as the target processing terminal to process the payment item.

[0115] Each first processing terminal may have different processing procedures for payment items, so each first processing terminal has different payment pages for collecting payment items. The payment page is determined based on the information of the payment items processed by the processing terminal, which is the project information of the payment items. The system stores project information for different payment items by different processing terminals. After determining the target processing terminal, the system obtains the project information of the payment items associated with the target processing terminal in the storage area, and the project information is defined as the first project information.

[0116] Step S203, generating a payment page according to the first project information, and outputting the payment page.

[0117] The first item information includes the payment elements required for the payment item, such as the recharge account, mobile phone number, household head number, etc.; the first item information also includes payment prompts, such as "a single payment cannot be less than XX"; the first item information also includes the payment service provider's logo, etc.

[0118] After obtaining the first project information, the system generates a payment page through the first project information and outputs the payment page. The payment page is output in such a way that the system feeds back the payment page to the terminal device.

[0119] The payment page includes necessary page elements, such as payment amount, payment method, recharge account, etc. The payment page may also include prompt information, such as: relevant change information of the payment service, and the payment page may also include the logo of the payment service, etc.

[0120] It should be noted that the payment page can be displayed in the terminal device in the form of APP (Application, third-party application), H5, website or page applet.

[0121] Step S204, obtaining payment information input based on the payment page, and sending the payment information to the target processing terminal, so that the target processing terminal completes the payment requested by the first payment request according to the payment information.

[0122] The terminal device displays the payment page, and the user can fill in the payment information, and the filled in information is defined as the payment information. The system obtains the payment information output based on the payment page, and then sends the payment information to the target processing terminal, and the target processing terminal completes the payment requested by the first payment request based on the payment information.

[0123] In this embodiment, the system can connect to payment services with different sources, functions and standards, and realize the unified management, access and output of payment services, so as to meet the payment needs of users for different payment items. In addition, the payment interface on the user interface of the terminal device and the API service provider (processing terminal) can be automatically linked, without the need to invest operating costs to build the connection between the API service provider and the user interface, thus saving operating costs.

[0124] In this embodiment, the payment item corresponding to the payment request is obtained, and the target processing terminal is determined among various processing terminals that process the payment item, a payment page is generated based on the item information corresponding to the payment item associated with the target processing terminal, and then the payment page is output, the payment information input based on the payment page is obtained, and the payment information is sent to the target processing terminal so that the target processing terminal can complete the payment requested by the payment request according to the payment information. In this embodiment, when a user issues a payment request to pay for a payment item, a target processing terminal that can process the payment item is automatically determined among various processing terminals that represent the payment service, and the payment information is obtained based on the payment page generated based on the item information associated with the target processing terminal, so that the payment requested by the payment request is quickly completed through the payment information, without the user having to select a payment service, thereby shortening the payment time and improving the payment efficiency.

[0125] Reference Figure 3 , Figure 3 This is an illustration of the payment process for this application. Figure 2 ,based on Figure 2 In the embodiment shown, before step S203, the following steps are further included:

[0126] Step S301, obtaining second item information of a payment item from a target processing terminal, and determining incremental information according to the second item information and the first item information.

[0127] In this embodiment, the system is set with the information update time of each payment service. Specifically, the processing terminal corresponding to the payment service sends a setting request to the system, and the setting request includes the triggering time of the trigger. The trigger is used to trigger the system to update the project information. The triggering time refers to the interval length of the update, and the interval length is, for example, T days. For example, payment service provider A requests the system to update the information of each payment service provided by payment service provider A every other day.

[0128] When the current time reaches the current time requested by the target processing terminal, the system obtains information from the target processing terminal, which is all information about the payment service in the target processing terminal. For ease of description, the payment item corresponding to the first payment request is taken as an example to explain the update of the first item information, that is, the system obtains the second item information of the payment item from the target processing terminal.

[0129] The system compares the first project information with the second project information. If the first project information is different from the second project information, the incremental information can be obtained by comparing the first project information with the second project information.

[0130] Step S302: Update the first project information according to the incremental information.

[0131] After obtaining the incremental information, the system can update the first project information based on the incremental information. Specifically, after obtaining the incremental information, the system immediately updates the first project information based on the incremental information.

[0132] It should be noted that, for the sake of ease of description, steps S301 to S302 are placed in step S203, that is, this embodiment occurs before step S203, but this embodiment can occur at any time, that is, steps S301 to S302 can be located at any position in steps S201 to S204, and can also be located before step S201 or after step S204, that is, the implementation order of the first embodiment and the second embodiment is not limited.

[0133] After the first item information is updated, when the system subsequently receives a third payment request that is the same as the first payment request, it will generate an updated payment page based on the updated first item information. For example, in the payment item g of payment service provider B, the bill query element is adjusted from "payment code" to "payment code + mobile phone number", and the bill query element of the updated first item information is changed to "payment code + mobile phone number", and a new input box for the mobile phone number is added to the payment page, thereby completing the update of the payment page. In this way, the system realizes the linkage output of the user interface (payment page) on the basis of realizing automatic access and management of payment services, and can complete the automatic update of the interface without manual intervention, avoiding the payment service provider from investing additional operating costs.

[0134] In this embodiment, by updating the first target information, the system can perceive the change iteration of the API in the first time, ensuring that the page elements in the payment page are updated based on the API service update iteration, reducing operation and maintenance investment, and ensuring the continuity and stability of the payment business.

[0135] Reference Figure 4 , Figure 4 This is an illustration of the payment process for this application. Figure 3 ,based on Figure 3 In the illustrated embodiment, step S301 includes:

[0136] Step S401: Acquire first data corresponding to the largest first level from the second project information.

[0137] In this embodiment, the second project information is not a flat data set, but a model structure with a certain logical hierarchical relationship.

[0138] Reference Figure 5 The second project information includes three levels of data, level 1 is e 11 and e 12 , e in level 2 11-21 and e11-22 Yes 11 Sub-level, e in level 2 12-23 and e 12-24 Yes 12 The sub-level of level 3 is 11-21-31 and e 11-21-32 Yes 11-21 Sub-levels, level 3 is e 11-22-33 and e 11-22-34 Yes 11-22 Sub-level, e in level 3 12-23-35 and e 12-23-36 Yes 12-23 Sub-level, e in level 3 12-24-37 and e 12-24-38 Yes 12-24 The system can set tasks for different levels through triggers. For example, task 0 traverses the data of the first level, task 1 traverses the data of the second level, and task 3 traverses the data of the third level. It should be noted that the above three levels are only for illustration and do not limit the data in the project information to have only three levels.

[0139] Based on the above model structure, the system obtains the data corresponding to the largest level from the second project information. The largest level is defined as the first level, and the data corresponding to the first level is defined as the first data. For example, level 1 is the first level, e 11 The corresponding data and e 12 The corresponding data is the first data.

[0140] Step S402: in the second project information, obtain the second data corresponding to the first data, and determine the first summary parameter of the second data, wherein the level corresponding to the second data is the smallest level among all descendant levels of the first level.

[0141] After obtaining the first data, the system obtains the second data corresponding to the first data in the second project information, and the level corresponding to the second data is the smallest level among the descendant levels of the first level. 11 , e 11 The sublevel is e 11-21 and e 11-22 , e 11-21 The sublevel is e 11-21-31 and e 11-21-32 , and e 11-22 The sublevel is e 11-22-33 and e 11-22-34 , then e 11 The descendant level is: e 11-21 、e 11-22 、e 11-21-31 、e 11-21-32 、e11-22-33 and e 11-22-34 , and e 11-21-31 、e 11-21-32 、e 11-22-33 and e 11-22-34 is the smallest level among the descendant levels, so e 11-21-31 、e 11-21-32 、e 11-22-33 and e 11-22-34 The corresponding data are all second data.

[0142] After the system obtains the second data, it calculates a digest parameter of the second data, which is defined as a first digest parameter. The first digest parameter is, for example, a hash value of the second data.

[0143] It should be noted that if the system cannot find the data corresponding to the first-level identifier in the first project information, it can be determined that the first project information does not contain the second data. Relative to the first project information, the second data is incremental information. When the second data is added to the model structure in the first project information, it is necessary to configure the level for the second data, and thus the first-level identifier is required, that is, the system determines the second data and the first-level identifier as incremental information.

[0144] In addition, only the data of the smallest level in the second project information will calculate the corresponding summary parameter, so among the various data in the first project information, only the data of the smallest level will be associated with the summary parameter, or the summary parameter can be associated with the level identifier. When the first project information includes the summary parameter corresponding to the first level identifier, it can be determined that the first project information does not include a series of data under the first level identifier, so the second data and the first level identifier can be determined as incremental information.

[0145] It is understandable that the first project information does not include data or summary parameters corresponding to the first-level identifier, and the second data and the first-level identifier are determined as incremental information.

[0146] Step S403, according to the first level identifier of the second data, determine the third data corresponding to the second data in the first project information, and compare the first summary parameter with the second summary parameter of the third data, the second level identifier of the third data in the first project information is the same as the first level identifier, and the first level identifier is set based on the first level and the corresponding minimum level. Each second data has a corresponding level identifier, which is defined as the first level identifier, e 11-21-31 、e 11-21-32 、e 11-22-33 and e 11-22-34 All are first-level identifiers, or the first-level identifier can be set using the first-level and minimum levels, for example, e 11-21-31 Change to e 11-31A first level identifier is obtained, that is, the first level identifier is set based on the first level and the corresponding minimum level.

[0147] The structure of the data in the first project information is also a model structure. Therefore, the system can determine the data corresponding to the second data in the first project information as the third data based on the first level identifier. 11-21-31 , then find e in the first item information 11-21-31 The data below is used as the third data, that is, the second level identifier of the third data in the first project information is the same as the first level identifier. In addition, the data in the first project information has a summary parameter, that is, the third data also has a summary parameter, and the summary parameter of the third data is defined as the second summary parameter.

[0148] It should be noted that the data at the largest level is the most concise, while the data at the smallest level in each descendant level of the largest level is the richest. Therefore, by comparing the second data at the smallest level in the second item information with the third data at the smallest level in the first item information, it is possible to determine whether the process items of the payment service for the payment item have changed. Therefore, the system compares whether the first summary parameter is identical to the second summary parameter, thereby determining whether the payment details of the payment service for the payment item have changed.

[0149] Step S404: in response to the first digest parameter being different from the second digest parameter, determining incremental information according to the second data and the third data.

[0150] When the first summary parameter is different from the second summary parameter, it can be determined that the payment details of the payment item of the payment service have been changed, and the system can determine the incremental information through the second data and the third data. When the first summary parameter is the same as the second summary parameter, there is no need to update the first item information.

[0151] In this embodiment, the structure of the data in the second item information and the first item information is a model structure, so that it is possible to quickly determine whether the item information of the payment item has been updated through the model structure, thereby improving the data update rate.

[0152] In one embodiment, the system compares each second data with the corresponding third data to obtain incremental information. Incremental information is the change information of a payment item of the payment service, but the payment service can handle multiple payment items. The system needs to detect whether all payment items of the payment service have changed. Therefore, after obtaining an incremental information, the first item information will not be updated immediately based on the incremental information, but in order to facilitate subsequent updates, the system needs to mark the incremental information to obtain the marking time.

[0153] After the first project information needs to be updated, the system determines the sum of the set duration and the error duration, and modifies the current time according to the sum of the durations to obtain the initial time, which is earlier than the current time. Exemplarily, the system detects whether the first project information needs to be updated every day, and the update interval is 24 hours, so the set duration is 24 hours. Taking into account the difference in the time of each call to the first project information, there may be omissions in the project information changes, so the error duration is set. Therefore, the initial duration t1 = t0-△t-△t', t0 is the current time, △t is the set duration, and △t' is the error duration. The system determines the target incremental information in each incremental information based on the current time, the initial time, and the marking time of the incremental information. The marking time of the target sorting information is later than the initial time and earlier than the current time, that is, t1 <t x <t0,t x This is the marking time. In this way, the traversal of incremental information has time overlap, which prevents the omission of project information changes. After determining the target incremental information, the system can update the first project information based on the target incremental information.

[0154] In this embodiment, by marking the incremental information and designing the time for capturing the incremental information, it is possible to avoid missing changes in project information.

[0155] Reference Figure 6 , Figure 6 This is an illustration of the payment process for this application. Figure 4 ,based on Figure 3 In the illustrated embodiment, step S301 includes:

[0156] Step S601: Acquire the largest fourth data of the second level from the first project information.

[0157] In this embodiment, compared with the first item information, the second item information may contain missing data, and the missing data indicates that the payment details of the payment item of the payment service have changed. For example, the second item information includes data 1, data 2, and data 3, but the first item data includes data 1, data 2, data 3, and data 4, that is, the payment service is currently deleting part of the data of the payment item.

[0158] The model structure of the data in the first project information can still be referenced Figure 5 , that is, the first project information includes three levels of data, level 1 is e 11 and e 12 , e in level 2 11-21 and e 11-22 Yes 11 Sub-level, e in level 2 12-23 and e 12-24 Yes12 The sub-level of level 3 is 11-21-31 and e 11-21-32 Yes 11-21 Sub-levels, level 3 is e 11-22-33 and e 11-22-34 Yes 11-22 Sub-level, e in level 3 12-23-35 and e 12-23-36 Yes 12-23 The sub-level of level 3 is 12-24-37 and e 12-24-38 Yes 12-24 sub-level of .

[0159] Based on the above model structure, the system obtains the data corresponding to the largest level from the first project information. The largest level is defined as the second level, and the data corresponding to the second level is defined as the fourth data. For example, level 1 is the second level, e 11 The corresponding data and e 12 The corresponding data is the fourth data.

[0160] Step S602: in the first project information, obtain fifth data corresponding to the fourth data, and determine the third summary parameter of the fifth data, wherein the level corresponding to the fifth data is the smallest level among all descendant levels of the second level.

[0161] After obtaining the fourth data, the system obtains the fifth data corresponding to the fourth data in the first project information, and the level corresponding to the fifth data is the smallest level among the descendant levels of the second level. 11 , e 11 The sublevel is e 11-21 and e 11-22 , e 11-21 The sublevel is e 11-21-31 and e 11-21-32 , and e 11-22 The sublevel is e 11-22-33 and e 11-22-34 , then e 11 The descendant level is: e 11-21 、e 11-22 、e 11-21-31 、e 11-21-32 、e 11-22-33 and e 11-22-34 , and e 11-21-31 、e 11-21-32 、e 11-22-33 and e 11-22-34 is the smallest level among the descendant levels, so e 11-21-31 、e 11-21-32 、e 11-22-33 and e 11-22-34 The corresponding data are all fifth data.

[0162] The system then obtains a digest parameter of the fifth data, where the digest parameter is defined as a third digest parameter. The third digest parameter is, for example, a hash value of the fifth data.

[0163] Step S603, based on the third level identifier of the fifth data, determine the sixth data corresponding to the fifth data in the second project information, and compare the third summary parameter with the fourth summary parameter of the sixth data, wherein the fourth level identifier of the sixth data in the second project information is the same as the third level identifier, and the third level identifier is set based on the second level and the corresponding minimum level.

[0164] Each fifth data has a corresponding level identifier, which is defined as the third level identifier, for example, 11-21-31 、e 11-21-32 、e 11-22-33 and e 11-22-34 All are third-level identifiers, or the second-level identifier can be set using the second-level and minimum levels, such as e 11-21-31 Change to e 11-31 A third level identifier is obtained, that is, the third level identifier is set based on the second level and the corresponding minimum level.

[0165] The structure of the data in the second project information is also a model structure. Therefore, the system can determine the data corresponding to the fifth data in the second project information as the sixth data based on the second level identifier. 11-21-31 , then find e in the second item information 11-21-31 The data below is used as the sixth data, that is, the fourth level identifier of the sixth data in the second project information is the same as the third level identifier. In addition, the data in the second project information has a summary parameter, that is, the sixth data also has a summary parameter, and the summary parameter of the sixth data is defined as the fourth summary parameter.

[0166] It should be noted that the data under the largest level is the most concise, while the data under the smallest level in each descendant level of the largest level is the richest. Therefore, by comparing the sixth data of the smallest level in the second item information with the fifth data of the smallest level in the first item information, it is possible to determine whether the process items of the payment service for the payment item have changed. Therefore, the system compares the third summary parameter with the third summary parameter to see if they are the same, so as to determine whether the payment details of the payment service for the payment item have changed.

[0167] If the data corresponding to the third-level identifier is not included in the second project information, a deletion instruction is generated based on the second level and the fourth data to obtain incremental information. The deletion instruction is used to indicate the deletion of the fourth data in the first project information and the data corresponding to the descendant levels of the second level. It should be noted that the third embodiment and the fourth embodiment can be carried out in parallel to avoid omission of changes in payment items.

[0168] Furthermore, the system can mark the incremental information based on different situations. Exemplarily, when the first summary parameter and the second summary parameter exist and are different, or the third summary parameter and the fourth summary parameter exist and are different, the payment item corresponding to the incremental information is marked as u; when the first summary parameter exists but the second summary parameter does not exist, the payment item corresponding to the incremental information is marked as i; when the third summary parameter exists but the fourth summary parameter does not exist, the payment item corresponding to the incremental information is marked as d. In addition, when marking, a corresponding timestamp is inserted into the payment item, and the timestamp is the marking time. The system obtains the payment items that meet t1 < t x < t0, and the payment items marked as u, i, and d. These marked payment items are all payment items with changed information. Therefore, the system needs to update the item information of the payment items marked as u, i, and d that need to be stored.

[0169] Step S604, in response to the difference between the third summary parameter and the fourth summary parameter, determine the incremental information according to the second data and the third data.

[0170] When the third summary parameter is different from the fourth summary parameter, it can be determined that the payment details of the payment item have changed in the payment service, and the system can determine the incremental information through the second data and the third data. When the third summary parameter is the same as the fourth summary parameter, there is no need to update the first project information.

[0171] In this embodiment, the structures of the data in the second project information and the first project information are model structures, so that through the model structure, it can be quickly determined whether the item information of the payment item has been updated, improving the data update rate.

[0172] Refer to Figure 7 , Figure 7 is the flowchart of the payment method of this application Figure 5 Based on Figures 2 to 6 any of the illustrated embodiments, step S203 includes:

[0173] Step S701, generate auxiliary page elements according to the identifier data set and the payment prompt data set in the first project information.

[0174] In this embodiment, the first project information includes an identifier data set, a payment prompt data set, and a payment element data set.

[0175] The identification data set includes the service identification of the payment service and the item identification of the payment item.

[0176] The payment reminder data set includes payment item information, amount limit, maintenance of the payment service provider, status of the payment service, etc. The payment item information includes, for example, the name and introduction of the payment item, the amount limit includes, for example, the maximum payment amount and the minimum payment amount, and the status of the payment service includes, for example, whether the payment service is removed or put on the shelf.

[0177] The payment element data set includes payment elements, such as account number, mobile phone number, payment amount, etc.

[0178] The system generates auxiliary page elements based on the identification data set and the payment reminder data set in the first project information. For example, the auxiliary page element generated based on the identification data set is: the service identification of the payment service provider; the auxiliary page element generated based on the payment reminder data set is: the minimum payment amount is 50.

[0179] Step S702: Generate necessary page elements according to the payment element data set in the first project information.

[0180] The system generates necessary page elements based on the payment element data set in the first project information. For example, the necessary page elements are payment amount, recharge account number, and mobile phone number.

[0181] Step S703: Generate a payment page corresponding to the target processing terminal according to the auxiliary page elements and the necessary page elements.

[0182] After generating the necessary page elements and the auxiliary page elements, the system generates a payment page based on the necessary page elements and the auxiliary page elements. Exemplarily, the payment page can be generated by adding the auxiliary page elements and the necessary page elements to the page.

[0183] In this embodiment, the system generates auxiliary page elements through the identification data set and the payment reminder data set in the first project information, and generates necessary page elements through the modified payment element data set in the first project information, thereby generating a payment page through the auxiliary page elements and the necessary page elements, that is, generating a payment page unique to the payment service provider based on the first project information.

[0184] Reference Figure 8 , Figure 8 This is an illustration of the payment process for this application. Figure 6 ,based on Figure 7 In the embodiment shown, before step S701, the following steps are further included:

[0185] Step S801, obtaining full information of payment items from the target processing terminal.

[0186] Step S802, obtaining identification information, payment bill information and payment element information from the full information.

[0187] In this embodiment, the system will obtain all the information of the payment service from the target processing terminal, but there are many parameters in the whole information, and not all parameters are required by the system. Therefore, the system needs to convert all the information into standard data stored by the system. The payment service can process different types of payment items, so the system can obtain the standard data of the payment service under different payment items. The standard data of the payment item corresponding to the first payment request is the first item information. For the convenience of description, the payment item corresponding to the first payment request is taken as an example to illustrate the acquisition of the first item information.

[0188] The system obtains all information of the payment items from the target processing terminal. All information is defined as full information, and then obtains identification information, payment bill information and payment element information from the full information.

[0189] Step S803, constructing an identification data set according to the identification information, constructing a payment reminder data set according to the payment bill information, and constructing a payment element data set according to the payment element information.

[0190] The system constructs a first information set based on the identification information, and the first information set is the identification data set.

[0191] Specifically, the system obtains the service identifier of the payment service corresponding to the target processing terminal from the identification information, and obtains the target parameters from the full information, the target parameters including but not limited to the region where the target processing terminal is located, the payment content, the business model and / or the payment channel. The system constructs the project identifier of the payment item based on the target parameters, thereby constructing an identification data set through the project identifier and the service identifier.

[0192] Exemplarily, the service identifier may be 8 bytes, and the meaning represented by the 8 bytes of the service identifier is as follows:

[0193] Bytes 1-3 Byte 4 Bytes 5-8 Payment content classification number Payment content form Incrementing numbers

[0194] The item identifier is mapped to a unique serial identifier of a financial institution, and the unique serial identifier can be used by the financial institution to identify the payment item, thereby allowing the financial institution to make payments based on the unique serial identifier.

[0195] Exemplarily, the project identifier is constructed based on the region, payment content, business model and payment channel. The region is the area to which the payment service belongs; the payment content may be, for example, digital collections, travel, VIP lounges at airports and high-speed railways, movie performances, life payments, mobile phone recharges, etc.; the business model may be, for example: check the bill first and then pay, pay directly, query only; the payment channel is an open type, and the open types include: free channel output only, all open, and specific channel open. In addition, the target parameters may also include content form, and the content form includes: identifying the content form as APP, identifying the content form as H5. The unique sequence identifier mapped by the project identifier includes multiple bytes, and the meaning of each byte is as follows:

[0196]

[0197] The system constructs a second information set through the payment bill information, and the second information set is the payment reminder data set. Specifically, the system extracts keywords from the payment bill information and maps the keywords to corresponding fields, thereby constructing the payment reminder information based on each mapped field.

[0198] Exemplarily, the payment bill information is actually the payment bill domain information. The system extracts keywords from the information at the payment station. For example, the extracted keywords are: payment item name or introduction, minimum payment amount, maximum payment amount, reminder, bill identification, business status, etc.

[0199] The system will map keywords. For example, the name or introduction of the payment item will be mapped to: content_nm;

[0200] Map the minimum payment amount to rans_min_at;

[0201] Map the maximum payment amount to trans_max_at;

[0202] Map the reminder to maintain_time; there are multiple fields for bill identification mapping, namely bill_tp and cus_amount. Among them, bill_tp has subfields. If the subfield is normal, it means that only a single bill is displayed in a single query. If the subfield is multibillstring, it means that multiple bills are returned in a single query and must be paid at once. If the subfield is singlebill, it means that multiple bills are returned in a single query and one bill can be selected for payment. If the subfield is multibill, it means that multiple bills are returned in a single query and one or more bills can be selected for payment. cus_amount has a value. If the value is 0, it means that custom amounts are not supported. If the value is 1, it means that custom amounts are supported. If the value is 3, it means that custom amounts are supported but must be greater than or equal to the amount in arrears.

[0203] Map the business status to online_st.

[0204] Each mapped field can constitute the payment reminder data set.

[0205] In addition, the system can also construct a third information set through the payment element information, which is the payment element data set. Specifically, the system obtains the payment elements of the payment items from the payment element information, and constructs the payment element data set based on the field name, type field, description field and specific field corresponding to the payment element. The specific field is used to indicate whether the corresponding payment element is a necessary payment element.

[0206] It should be noted that the payment elements of non-payable items are different. For example, the payment element of electricity payment item A is: account number; the payment element of gas payment item B is: account number + account period, and the account period refers to the payment of gas fees for a certain period of time; the payment element of the educational institution payment item is the certificate number. Exemplarily, the field name of the payment element is: type, the type field is: string, and the specific field is 1, 1 indicates a necessary payment element, and the specific field can also take the value of 0, which indicates a non-essential payment element. The description field is, for example, string, hidden, text, and datemonth. Tips means: a plain text item used to show payment precautions to users; string means: a plain text item used to show prompt information to users; hidden means: a hidden item, there is no need to show the item to the user, just return the parameter; datemonth means: collect the date item selected by the user and return it in the next step.

[0207] Step S404: determining first item information corresponding to the payment item according to the identification data set, the payment reminder data set and the payment element data set, and storing the first item information in association with the payment item.

[0208] After obtaining the identification data set, the payment reminder data set and the payment element data set, the system can construct the first project information through the identification data set, the payment reminder data set and the payment element data set, and then associate the first project information with the payment item of the target processing terminal for storage, that is, mark the first project information as the project information of the payment item of the target processing terminal, and then store it.

[0209] Reference Fig. 9 , Fig. 9 This is an illustration of the payment process for this application. Figure 7 ,based on Figures 2 to 8 In any of the illustrated embodiments, step S202 includes:

[0210] Step S901: Acquire current operation information and first priority parameters of each first processing terminal.

[0211] In an embodiment, the system determines the target processing terminal in each first processing terminal based on the strategy. Specifically, the system obtains the current operation information and priority parameters of each first processing terminal, and the priority parameter is defined as a first priority parameter. The first priority parameter is a priority level or weight. The first priority parameter is determined based on the historical payment processing information of the first processing terminal. Exemplarily, the system obtains the completion time of each payment based on the historical payment processing information of the first processing terminal, and then determines the completion time that is less than the preset time as the first time, and the completion time that is greater than or equal to the preset time as the second time, and the ratio between the number of each second time and the number of each first time is used as the priority value, and the priority level or weight is determined by the priority value, and the smaller the priority value, the greater the priority level, and the greater the weight.

[0212] The first processing terminal is a client corresponding to the payment service, and thus, the operation information of the first processing terminal can represent the operation status of the payment service, such as listing, delisting, or failure.

[0213] Step S902: determining the correction parameters of the corresponding first processing terminal according to the operation information.

[0214] After obtaining the operation information, the system determines the correction parameters of the first processing terminal based on the operation information.

[0215] In one example, the operating information can represent the status of the paid service, such as good operation, load operation, fault maintenance, etc. Each state mapping has a numerical value. The system uses the numerical value of the state mapping as a correction parameter, and the numerical value corresponding to good operation is greater than the numerical value corresponding to load operation, and the numerical value corresponding to load operation is greater than the numerical value corresponding to fault maintenance.

[0216] In another example, the system determines the status of the payment service of the corresponding first processing terminal based on the operation information, and when the status indicates that the payment service is in operation, the first preset value is set as the correction parameter, and when the status indicates that the payment service is in a fault state or off-shelf state, the second preset value is set as the correction parameter, and the second preset value is less than the first preset value. Exemplarily, the first preset value is 1 and the second preset value is 0, that is, the correction parameter when the payment service is on-shelf and running is 1, and the correction parameter when the payment service is downgraded or faulty is 0.

[0217] Step S903: According to the correction parameter corresponding to the first processing terminal, the first priority parameter corresponding to the first processing terminal is corrected to obtain a second priority parameter.

[0218] After obtaining the correction parameter, the system can correct the first priority parameter of the first processing terminal to obtain the second priority parameter. For example, if the first priority parameter is P and the correction parameter is B, the product of the first priority parameter and the correction parameter is the second priority parameter, that is, the second priority parameter is PB.

[0219] Step S904: Determine a target processing terminal among the first processing terminals according to the second priority parameters.

[0220] The system determines a target processing terminal among the first processing terminals based on the second priority parameters.

[0221] In one example, the policy is a priority policy, that is, the first priority parameter and the second priority parameter are used to indicate the priority level. The system determines the maximum priority level among the priority levels corresponding to the second priority parameters, and determines the first processing terminal corresponding to the maximum priority level as the target processing terminal.

[0222] In another example, the strategy is a weight strategy, the system determines the sum of the second priority parameters to obtain the weight sum, and determines the ratio between the second priority parameter and the weight sum of the first processing terminal pair. The system determines multiple target ratios in each ratio, and the target ratio refers to a ratio greater than a preset threshold. The system determines the target processing terminal in the first processing terminal corresponding to each target ratio. Exemplarily, the weight of service provider B is 70%, the weight of service provider A is 20%, and the weight of service provider N is 10%. If service provider B removes the payment service, the correction parameter of service provider B is 0, and the correction parameters of service providers A and N are 1. The ratio of service provider B = (0*0.7) / (0*0.7+1*0.2+1*0.1) = 0, the ratio of service provider A = (1*0.2) / (0*0.7+1*0.2+1*0.1) = 0.67, and the ratio of service provider N = (1*0.1) / (0*0.7+1*0.2+1*0.1) = 0.33. The preset threshold is 0, so the processing terminals corresponding to service provider A and service provider N can both be used as target processing terminals.

[0223] Furthermore, the weight strategy can be used to divert traffic. For example, if the ratio of service provider A is 0.67 and the ratio of service provider N is 0.33, 67% of the traffic will be diverted to the processing terminal corresponding to service provider A, and 33% of the traffic will be diverted to service provider N.

[0224] In this regard, the system determines the traffic diversion ratio of the first processing terminal corresponding to the target ratio according to each target ratio, for example, the traffic diversion ratio = service provider A: service provider N = 67:33. Based on the traffic diversion ratio, the system determines the second processing terminal of the traffic distribution where the first payment request is located as the target processing terminal, the second processing terminal is used to indicate the first processing terminal corresponding to the target ratio, and the traffic is used to indicate a set containing multiple second payment requests, and the first payment request is any second payment request. Exemplarily, the traffic diversion ratio = service provider A: service provider N = 67:33, then the first 67 second payment requests are sent to the processing terminal corresponding to service provider A, and the last 33 second payment requests are sent to the processing terminal corresponding to service provider N. When the first payment request is any second payment request among the first 67, the target processing terminal is the processing terminal corresponding to service provider A, and when the first payment request is any second payment request among the last 33, the target processing terminal is the processing terminal corresponding to service provider N.

[0225] In this embodiment, the system determines a target processing terminal suitable for processing payment items among various first processing terminals through the operation information and priority parameters of the first processing terminals, and the system has a high degree of intelligence.

[0226] In this application, the payment system includes a domain model gateway, a payment information resource pool, and a scheduling strategy controller.

[0227] The domain model gateway includes triggers, structured information storage collections, information change and governance services. The information change and governance services use "change discovery and governance technology based on domain feature information lineage" to shield the differentiated data model features of payment service providers and realize standard domain model transformation. The structured information storage collection is the first information set, the second information set, and the third information set. The information change and governance service is used to update the stored project information, such as updating the first project information. The "domain feature information lineage" in the change discovery and governance technology based on domain feature information lineage refers to Figure 5 The relationship between the middle levels, that is, the change discovery and governance technology based on the blood relationship of domain feature information, refers to the discovery of data changes based on the data model structure and the processing of changed data. Standard domain model transformation, for example, the conversion construction of the first information set, the second information set, and the third information set in the full amount of information.

[0228] The payment information resource pool calculates and manages scheduling and routing strategies in real time, supports priority strategies and weight strategies, and provides a basis for the imperceptible payment application in terminal devices and ensuring business continuity.

[0229] The scheduling strategy controller provides the online application layer (payment application) with unified services for obtaining payment information resources and scheduling channel routing strategies, thereby reducing the intrusion into the online application layer.

[0230] Through the deployment of the domain model gateway, payment information resource pool, and scheduling strategy controller, the payment service provider's content on-shelf and information changes can be automatically identified and adapted, and the real-time output can be linked to the customer. In addition, the system can route the optimal channel through a customized algorithm strategy to ensure business continuity and system stability. The determination of the optimal channel is, for example, the determination of the target processing terminal.

[0231] Based on the contents described in the above embodiments, a payment system is also provided in the embodiments of the present application. Fig.10 , Fig.10 Schematic diagram of a program module of a payment system provided in an embodiment of the present application. In some implementations, the payment system 1000 includes:

[0232] A first acquisition module 1010 is used to acquire a first payment request and determine a payment item corresponding to the first payment request;

[0233] The determination module 1020 is used to determine a target processing terminal among various first processing terminals for processing payment items, and obtain first item information of the payment item associated with the target processing terminal, wherein the first processing terminal is used to indicate a client corresponding to the payment service;

[0234] A generating module 1030, configured to generate a payment page according to the first project information and output the payment page;

[0235] The second acquisition module 1040 is used to acquire payment information input based on the payment page, and send the payment information to the target processing terminal, so that the target processing terminal completes the payment requested by the first payment request according to the payment information.

[0236] In some embodiments, the payment system 1000 is specifically used for:

[0237] Acquire the second item information of the payment item from the target processing terminal, and determine the incremental information according to the second item information and the first item information;

[0238] The first item information is updated according to the incremental information.

[0239] In some embodiments, the payment system 1000 is specifically used for:

[0240] Obtaining first data corresponding to the largest first level from the second project information;

[0241] In the second item information, second data corresponding to the first data is obtained, and a first summary parameter of the second data is determined, wherein the level corresponding to the second data is the smallest level among all descendant levels of the first level;

[0242] Determine, according to the first level identifier of the second data, the third data corresponding to the second data in the first project information, and compare the first summary parameter with the second summary parameter of the third data, wherein the second level identifier of the third data in the first project information is the same as the first level identifier, and the first level identifier is set based on the first level and the corresponding minimum level;

[0243] In response to the first digest parameter being different from the second digest parameter, delta information is determined based on the second data and the third data.

[0244] In some embodiments, the payment system 1000 is specifically used for:

[0245] In response to the first project information not including data or summary parameters corresponding to the first level identifier, the second data and the first level identifier are determined as incremental information.

[0246] In some embodiments, the payment system 1000 is specifically used for:

[0247] Compare each second data with the corresponding third data to obtain a plurality of incremental information, and mark each incremental information to obtain a marking time;

[0248] The first project information is updated according to the incremental information, including:

[0249] Determine the sum of the set duration and the error duration, and modify the current time according to the sum to obtain the initial time, which is earlier than the current time;

[0250] According to the current time, the initial time and the marking time of each incremental information, the target incremental information is determined in each incremental information, and the marking time of the target incremental information is later than the initial time and earlier than the current time;

[0251] The first project information is updated according to the target increment information.

[0252] In some embodiments, the payment system 1000 is specifically used for:

[0253] From the first item information, obtain the fourth data of the second level with the largest size;

[0254] In the first item information, fifth data corresponding to the fourth data is obtained, and a third summary parameter of the fifth data is determined, wherein the level corresponding to the fifth data is the smallest level among all descendant levels of the second level;

[0255] Determine, according to the third level identifier of the fifth data, the sixth data corresponding to the fifth data in the second project information, and compare the third summary parameter with the fourth summary parameter of the sixth data, wherein the fourth level identifier of the sixth data in the second project information is the same as the third level identifier, and the third level identifier is set based on the second level and the corresponding minimum level;

[0256] In response to the third digest parameter being different from the fourth digest parameter, delta information is determined based on the second data and the third data.

[0257] In some embodiments, the payment system 1000 is specifically used for:

[0258] In response to the second project information not including data corresponding to the third level identifier, a deletion instruction is generated according to the second level and the fourth data to obtain incremental information, wherein the deletion instruction is used to instruct deletion of the fourth data in the first project information and the data corresponding to the descendant levels of the second level.

[0259] In some embodiments, the payment system 1000 is specifically used for:

[0260] Generate auxiliary page elements according to the identification data set and the payment reminder data set in the first project information;

[0261] Generate necessary page elements according to the payment element data set in the first project information;

[0262] Generate a payment page corresponding to the target processing terminal based on the auxiliary page elements and the necessary page elements.

[0263] In some embodiments, the payment system 1000 is specifically used for:

[0264] Obtain full information of payment items from the target processing terminal;

[0265] From the full amount of information, obtain identification information, payment bill information, and payment element information;

[0266] Constructing an identification data set according to the identification information, constructing a payment reminder data set according to the payment bill information, and constructing a payment element data set according to the payment element information;

[0267] The first item information corresponding to the payment item is determined according to the identification data set, the payment reminder data set and the payment element data set, and the first item information is associated with the payment item and stored.

[0268] In some embodiments, the payment system 1000 is specifically used for:

[0269] Obtaining a service identifier of a payment service corresponding to the target processing terminal from the identifier information;

[0270] Obtaining target parameters from the full amount of information, the target parameters including the region where the target processing terminal is located, payment content, business model and / or payment channel;

[0271] A project ID of the payment item is constructed according to the target parameters, and an ID data set is constructed according to the project ID and the service ID.

[0272] In some embodiments, the payment system 1000 is specifically used for:

[0273] Extract keywords from payment bill information;

[0274] Map keywords to corresponding fields, and build a payment reminder dataset based on each mapped field.

[0275] In some embodiments, the payment system 1000 is specifically used for:

[0276] Obtain payment elements of the payment items from the payment element information;

[0277] A payment element dataset is constructed based on the field name, type field, description field and specific field corresponding to the payment element. The specific field is used to indicate whether the corresponding payment element is a necessary payment element.

[0278] In some embodiments, the payment system 1000 is specifically used for:

[0279] Obtaining current operation information and first priority parameters of each first processing terminal;

[0280] Determining correction parameters of the corresponding first processing terminal according to the operation information;

[0281] According to the correction parameter corresponding to the first processing terminal, the first priority parameter corresponding to the first processing terminal is corrected to obtain a second priority parameter;

[0282] According to each second priority parameter, a target processing terminal is determined among each first processing terminal.

[0283] In some embodiments, the payment system 1000 is specifically used for:

[0284] Determine the sum of the second priority parameters to obtain a weighted sum, and determine the ratio between the second priority parameter corresponding to the first processing terminal and the weighted sum;

[0285] Among the ratios, a plurality of target ratios are determined, the target ratios being used to indicate ratios greater than a preset threshold;

[0286] Among the first processing terminals corresponding to the respective target ratios, a target processing terminal is determined.

[0287] In some embodiments, the payment system 1000 is specifically used for:

[0288] Determine, according to each target ratio, the flow splitting ratio between the first processing terminals corresponding to each target ratio;

[0289] According to the traffic diversion ratio, the second processing terminal to which the traffic of the first payment request is allocated is determined as the target processing terminal. The second processing terminal is used to indicate the first processing terminal corresponding to the target ratio. The traffic is used to indicate a set containing multiple second payment requests. The first payment request is any one of the second payment requests.

[0290] In some embodiments, the payment system 1000 is specifically used for:

[0291] Determine the maximum priority level among the priority levels corresponding to the second priority parameters;

[0292] The first processing terminal corresponding to the highest priority level is determined as the target processing terminal.

[0293] In some embodiments, the payment system 1000 is specifically used for:

[0294] Determine the status of the payment service of the corresponding first processing terminal according to the operation information;

[0295] In response to the status indicating that the payment service is in an operating state, setting the first preset value as the correction parameter;

[0296] In response to the status indicating that the payment service is in a fault state or a delisted state, a second preset value is set as the correction parameter, and the second preset value is smaller than the first preset value.

[0297] It should be noted that the various steps in the payment method executed by the payment system refer to the above embodiment for details and will not be described in detail here.

[0298] Furthermore, based on the contents described in the above embodiments, an electronic device is also provided in an embodiment of the present application, which includes at least one processor, and a communication interface and a memory to which the processor is communicatively connected; wherein the communication interface is used to communicate with other communication devices, and the memory stores computer-executable instructions; the above at least one processor executes the computer-executable instructions stored in the memory to implement each step in the payment method described in the above embodiments.

[0299] In order to better understand the embodiments of the present application, refer to Fig.11 , Fig.11 A schematic diagram of the hardware structure of an electronic device provided in an embodiment of the present application.

[0300] like Fig.11As shown, the electronic device 110 of this embodiment includes: a processor 1101, a memory 1102, and a communication interface 1104; wherein:

[0301] Memory 1102, used to store computer-executable instructions;

[0302] The communication interface 1104 is used to communicate with other communication devices;

[0303] The processor 1101 is used to execute the computer-executable instructions stored in the memory to implement the various steps in the query optimization method described in the above embodiment.

[0304] Optionally, the memory 1102 may be independent or integrated with the processor 1101 .

[0305] When the memory 1102 is independently provided, the device further includes a bus 1103 for connecting the memory 1102 , the communication interface 1104 and the processor 1101 .

[0306] An embodiment of the present application provides a computer-readable storage medium, in which computer-executable instructions are stored. When a processor executes the computer-executable instructions, each step of the payment method described in the above embodiment is implemented.

[0307] An embodiment of the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the various steps in the payment method described in the above embodiment.

[0308] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic, for example, the division of modules is only a logical function division, and there may be other division methods in actual implementation, such as multiple modules can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interfaces, devices or modules, which can be electrical, mechanical or other forms.

[0309] The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0310] In addition, each functional module in each embodiment of the present application can be integrated into one processing unit, or each module can exist physically separately, or two or more modules can be integrated into one unit. The above-mentioned module-composed unit can be implemented in the form of hardware or in the form of hardware plus software functional units.

[0311] The above-mentioned integrated module implemented in the form of a software function module can be stored in a computer-readable storage medium. The above-mentioned software function module is stored in a storage medium, including a number of instructions for enabling a computer device (which can be a personal computer, a server, or a network device, etc.) or a processor to perform some steps of the methods of various embodiments of the present application.

[0312] It should be understood that the processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. A general-purpose processor may be a microprocessor or any conventional processor, etc. The steps of the method disclosed in the application may be directly implemented as being executed by a hardware processor, or may be executed by a combination of hardware and software modules in the processor.

[0313] The memory may include high-speed memory, and may also include non-volatile storage, such as at least one disk memory, and may also be a USB flash drive, a mobile hard disk, a read-only memory, a magnetic disk or an optical disk, etc.

[0314] The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the bus in the drawings of the present application is not limited to only one bus or one type of bus.

[0315] The storage medium may be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory, electrically erasable programmable read-only memory, erasable programmable read-only memory, programmable read-only memory, read-only memory, magnetic memory, flash memory, magnetic disk or optical disk. The storage medium may be any available medium that can be accessed by a general or special purpose computer.

[0316] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit it. Although the present application has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or replace some or all of the technical features therein with equivalents. However, these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A payment method, characterized in that: include: Obtaining a first payment request, and determining a payment item corresponding to the first payment request; Determine a target processing terminal among various first processing terminals that process the payment items, and obtain first item information of the payment item associated with the target processing terminal, wherein the first processing terminal is used to indicate a client corresponding to a payment service; generating a payment page according to the first project information, and outputting the payment page; The payment information input based on the payment page is obtained, and the payment information is sent to the target processing terminal, so that the target processing terminal completes the payment requested by the first payment request according to the payment information.

2. The payment method according to claim 1, characterized in that: Also includes: Acquire second item information of the payment item from the target processing terminal, and determine incremental information according to the second item information and the first item information; The first project information is updated according to the incremental information.

3. The payment method according to claim 2, characterized in that: The determining the incremental information according to the second project information and the first project information includes: Acquire first data corresponding to the largest first level from the second item information; In the second item information, second data corresponding to the first data is obtained, and a first summary parameter of the second data is determined, wherein the level corresponding to the second data is the smallest level among all descendant levels of the first level; Determine, according to the first level identifier of the second data, third data corresponding to the second data in the first project information, and compare the first summary parameter with the second summary parameter of the third data, wherein the second level identifier of the third data in the first project information is the same as the first level identifier, and the first level identifier is set based on the first level and the corresponding minimum level; In response to the first digest parameter being different from the second digest parameter, delta information is determined according to the second data and the third data.

4. The payment information according to claim 3, characterized in that: After the step of determining the first summary parameter of the second data, the method further includes: In response to the first project information not including the data or summary parameter corresponding to the first level identifier, the second data and the first level identifier are determined as incremental information.

5. The payment method according to claim 3, characterized in that: The determining the incremental information according to the second data and the third data includes: Comparing each of the second data with the corresponding third data to obtain a plurality of incremental information, and marking each of the incremental information to obtain a marking time; The updating of the first project information according to the incremental information includes: Determine the sum of the set duration and the error duration, and modify the current time according to the sum to obtain an initial time, where the initial time is earlier than the current time; According to the current time, the initial time and the marking time of each of the incremental information, determine the target incremental information in each of the incremental information, the marking time of the target incremental information being later than the initial time and earlier than the current time; The first project information is updated according to the target increment information.

6. The payment method according to claim 2, characterized in that: The determining the incremental information according to the second project information and the first project information includes: Acquire the largest fourth data of the second level from the first item information; In the first project information, fifth data corresponding to the fourth data is obtained, and a third summary parameter of the fifth data is determined, wherein the level corresponding to the fifth data is the smallest level among all descendant levels of the second level; Determine, according to the third level identifier of the fifth data, the sixth data corresponding to the fifth data in the second project information, and compare the third summary parameter with the fourth summary parameter of the sixth data, wherein the fourth level identifier of the sixth data in the second project information is the same as the third level identifier, and the third level identifier is set based on the second level and the corresponding minimum level; In response to the third digest parameter being different from the fourth digest parameter, delta information is determined according to the second data and the third data.

7. The payment information according to claim 6, characterized in that: After the step of determining the third summary parameter of the fifth data, the method further includes: In response to the second project information not including data corresponding to the third level identifier, a deletion instruction is generated based on the second level and the fourth data to obtain incremental information, and the deletion instruction is used to instruct deletion of the fourth data in the first project information and the data corresponding to the descendant levels of the second level.

8. The payment method according to claim 1, characterized in that: The step of generating a payment page according to the first project information includes: generating an auxiliary page element according to the identification data set and the payment reminder data set in the first project information; Generate necessary page elements according to the payment element data set in the first project information; A payment page corresponding to the target processing terminal is generated according to the auxiliary page elements and the necessary page elements.

9. The payment method according to claim 8, characterized in that: Before the step of generating auxiliary page elements according to the identification data set and the payment reminder data set in the first project information, the step further includes: Obtaining full information of the payment items from the target processing terminal; From the full amount of information, obtain identification information, payment bill information, and payment element information; constructing an identification data set according to the identification information, constructing the payment reminder data set according to the payment bill information, and constructing the payment element data set according to the payment element information; The first item information corresponding to the payment item is determined according to the identification data set, the payment reminder data set and the payment element data set, and the first item information is associated with the payment item and stored.

10. The payment method according to claim 9, characterized in that: The step of constructing the identification data set according to the identification information includes: Acquire a service identifier of the payment service corresponding to the target processing terminal from the identifier information; Acquire target parameters from the full amount of information, the target parameters including the area where the target processing terminal is located, payment content, business model and / or payment channel; The item identification of the payment item is constructed according to the target parameter, and an identification data set is constructed according to the item identification and the service identification.

11. The payment method according to claim 9, characterized in that: The step of constructing the payment reminder data set according to the payment bill information includes: Extracting keywords from the payment bill information; The keywords are mapped to corresponding fields, and the payment reminder data set is constructed according to each mapped field.

12. The payment method according to claim 9, characterized in that: The constructing the payment element data set according to the payment element information includes: Acquire the payment element of the payment item from the payment element information; The payment element data set is constructed according to the field name, type field, description field and specific field corresponding to the payment element, and the specific field is used to indicate whether the corresponding payment element is a necessary payment element.

13. The payment method according to any one of claims 1 to 12, characterized in that: The step of determining a target processing terminal among the first processing terminals processing the payment items includes: Acquire current operation information and first priority parameter of each of the first processing terminals; Determining a correction parameter of the corresponding first processing terminal according to the operation information; According to the correction parameter corresponding to the first processing terminal, the first priority parameter corresponding to the first processing terminal is corrected to obtain a second priority parameter; A target processing terminal is determined among the first processing terminals according to the second priority parameters.

14. The payment method according to claim 13, characterized in that: The first priority parameter and the second priority parameter are used to indicate a weight, and determining a target processing terminal in each of the first processing terminals according to each of the second priority parameters includes: Determine the sum of the second priority parameters to obtain a weighted sum, and determine a ratio between the second priority parameter corresponding to the first processing terminal and the weighted sum; Among the ratios, a plurality of target ratios are determined, wherein the target ratios are used to indicate ratios greater than a preset threshold value; The target processing terminal is determined in the first processing terminals corresponding to the target ratios.

15. The payment method according to claim 14, characterized in that: The step of determining the target processing terminal in the first processing terminals corresponding to the target ratios includes: Determining, according to each of the target ratios, a flow splitting ratio between the first processing terminals corresponding to each of the target ratios; According to the traffic diversion ratio, the second processing terminal to which the traffic of the first payment request is allocated is determined as the target processing terminal, the second processing terminal is used to indicate the first processing terminal corresponding to the target ratio, the traffic is used to indicate a set including multiple second payment requests, and the first payment request is any one of the second payment requests.

16. The payment method according to claim 13, characterized in that: The first priority parameter and the second priority parameter are used to indicate a priority level, and determining a target processing terminal in each of the first processing terminals according to each of the second priority parameters includes: Determining a maximum priority level among the priority levels corresponding to the respective second priority parameters; The first processing terminal corresponding to the maximum priority level is determined as the target processing terminal.

17. The payment method according to claim 13, characterized in that: The determining, according to the operation information, the correction parameter of the corresponding first processing terminal comprises: Determine the status of the payment service of the corresponding first processing terminal according to the operation information; In response to the status indicating that the payment service is in an operating state, setting a first preset value as the correction parameter; In response to the status indicating that the payment service is in a fault state or a delisted state, a second preset value is set as the correction parameter, and the second preset value is smaller than the first preset value.

18. A payment system, characterized in that: include: A first acquisition module, configured to acquire a first payment request and determine a payment item corresponding to the first payment request; A determination module, used to determine a target processing terminal among various first processing terminals that process the payment items, and obtain first item information of the payment item associated with the target processing terminal, wherein the first processing terminal is used to indicate a client corresponding to a payment service; A generating module, configured to generate a payment page according to the first project information, and output the payment page; The second acquisition module is used to acquire the payment information input based on the payment page, and send the payment information to the target processing terminal, so that the target processing terminal can complete the payment requested by the first payment request according to the payment information.

19. An electronic device, characterized in that: include: A processor, and a memory and a communication interface communicatively connected to the processor; The communication interface is used to communicate with other communication devices; The memory is used to store computer-executable instructions; The processor is used to execute the computer-executable instructions stored in the memory to implement the payment method as described in any one of claims 1-17.

20. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, and when the computer-executable instructions are executed by a processor, the payment method according to any one of claims 1 to 17 is implemented.

21. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the payment method according to any one of claims 1 to 17 is implemented.

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