Integrated payment system, integrated payment method, program product, and storage medium

Abstract

The invention provides a fusion payment system, and the system comprises an interaction module which is used for providing an interaction interface, receiving a payment mode and a payment mechanism which are selected through the interaction interface, and generating a payment request under the condition that the selected payment mode is matched with the selected payment mechanism; and when the selected payment mode is not matched with the selected payment mechanism, automatically selecting a matched payment mode from the plurality of payment modes based on the selected payment mechanism according to a preset mode to form a payment request, or automatically selecting a payment mode from the plurality of payment modes based on the selected payment mode according to the preset mode to form the payment request. Selecting a matched payment institution from a plurality of payment institutions to form a payment request; the payment interface is configured to receive various requests sent by different acceptance mechanisms, collect information from the requests, form messages for the requests and report the messages, and the requests comprise payment requests submitted by the acceptance mechanisms through the module; and the processing module is configured to receive the reported message and automatically route the message to a corresponding payment channel according to the information indicated by the message. A fused payment method, a program product, and a storage medium are also provided.

Description

Technical Field

[0001] The present application relates to electronic payment technology, and more specifically, to technology related to payment systems. Background Art

[0002] At present, the overall scale of the corporate payment service market is huge, with domestic clearing institutions, Internet companies and software operating service providers SAAS all participating in it, providing a variety of products such as transfers and corporate online banking payments. However, the interfaces of individual products are different, the standards are independent of each other, and the capabilities of bank channels vary. Acquirers, as cooperative institutions, need to access them one by one, and the upgrade of each product requires the acquirers to be carried out simultaneously, which is complicated and costly for acquirers, and it is difficult to quickly form product coverage for small and medium-sized enterprises. Therefore, it is necessary to improve this payment system. Summary of the invention

[0003] According to some embodiments of the present application, a convergent payment system is provided, the payment system comprising: an interactive module, for providing an interactive interface, receiving a payment method and a payment institution selected via the interactive interface, and generating a payment request when the selected payment method matches the selected payment institution; and when the selected payment method does not match the selected payment institution, automatically selecting a matching payment method from a plurality of payment methods based on the selected payment institution in a preset manner to form a payment request, or automatically selecting a matching payment institution from a plurality of payment institutions based on the selected payment method in a preset manner to form a payment request; a payment interface, configured to receive various requests sent by different acceptance institutions, collect information from the requests, form a message for the request and report it, the request comprising the payment request submitted by the acceptance institution through the module; a processing module, configured to receive the reported message, and automatically route the message to a corresponding payment channel according to the information indicated by the message; wherein the payment method for selection and the bank for selection are selected from a resource pool associated with the cash register.

[0004] In the example integrated payment system, optionally, the preset method includes determining a payment method that best matches the selected payment institution from a priority queue, or determining a payment institution that best matches the selected payment method.

[0005] In the illustrated integrated payment system, optionally, the processing module is configured to automatically route the message to a corresponding payment channel according to information indicated by the message.

[0006] In the example of the integrated payment system, optionally, the processing module is configured to automatically route the message to the corresponding payment channel in the following manner: when the payment method is determined to be a first type of payment method according to the information indicated by the message, routing the message to the receiving institution according to a preset routing rule; when the payment method is determined to be a second type of payment method according to the information indicated by the message, calling the blockchain intelligent account system to process the message.

[0007] In the example integrated payment system, optionally, the blockchain smart account system is configured to generate an order identification number for the order involved in the message, track the order, and verify the order in order to publish the order.

[0008] According to another aspect of the present application, a convergent payment method is also provided, including: providing an interactive interface; when the payment method selected by the user through the interactive interface matches the selected payment institution, forming a payment request; when the payment method selected by the user through the interactive interface does not match the selected payment institution: automatically selecting a matching payment method from multiple payment methods stored in a resource library based on the selected payment institution in a preset manner to form a payment request; or automatically selecting a matching payment institution from multiple payment institutions stored in a resource library based on the selected payment method in a preset manner to form a payment request; wherein the payment method, the payment institution, and the matching relationship between the payment method and the payment institution are stored in the resource library.

[0009] The exemplified integrated payment method, optionally, further comprises: displaying a payment interface including payer and / or payee information before forming a payment request; and forming a payment request after obtaining a payment confirmation signal via the payment interface.

[0010] According to another aspect of the present application, another integrated payment method is provided, including: receiving various requests sent by different acceptance institutions; collecting information from the requests and forming a message based on the collected information and reporting it.

[0011] Another integrated payment method provided may further include: receiving the message and automatically routing the message to a corresponding payment channel according to the information indicated by the message. As an example, automatically routing the message to a corresponding payment channel according to the information indicated by the message includes: when the payment method is determined to be a first type of payment method according to the information indicated by the message, routing the message to a receiving institution according to a preset routing rule; when the payment method is determined to be a second type of payment method according to the information indicated by the message, calling a blockchain smart account system to process the message.

[0012] In the above example, optionally, the blockchain smart account system is configured to generate an order identification number for the order involved in the message, track the order, and verify the order in order to publish the order.

[0013] In each of the above examples, optionally, the preset method includes determining a payment method that has the highest matching degree with the selected payment institution from a priority queue, or determining a payment institution that has the highest matching degree with the selected payment method.

[0014] The present application also provides a program product, wherein the program product includes program instructions, and when the instructions are executed, any one of the method examples described above is implemented.

[0015] The present application also provides a non-temporary storage medium having program instructions stored thereon, wherein the instructions implement any one of the method examples described above when executed. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] The following will describe the embodiments of the present application in detail with reference to the accompanying drawings so that the present application can be more fully understood, wherein:

[0017] Figure 1 is a schematic diagram of the structure of an electronic device 1;

[0018] Figure 2 It is a structural diagram of a convergent payment system according to an example of this application;

[0019] Figure 3 is a flow chart of a fusion payment method according to some embodiments of the present application;

[0020] Figure 3A A payment interaction interface is shown;

[0021] Figure 3B A payment confirmation interface is shown;

[0022] Figure 4 is a flow chart of another integrated payment method according to an example of the present application;

[0023] Figure 5 It is a process diagram of a convergent payment method executed by a convergent payment system according to a specific embodiment of the present application. DETAILED DESCRIPTION

[0024] In order to make the purpose, technical solutions and advantages of the embodiments of the present application clearer, the following will be combined with the accompanying drawings to describe the implementation methods of the present application more clearly and completely. It should be noted that the described implementation methods are only partial implementation methods of the technical solutions of the present application, not all. All other implementation methods obtained by ordinary technicians in this field based on the implementation methods recorded in the application documents without paying creative work are covered by the protection scope of the present application.

[0025] Figure 1 It is a schematic diagram of the structure of an electronic device 1. The electronic device 1 includes a communication interface 10, a memory 12, a processor 14, and a display 16. In short, the communication interface 10 is used for the electronic device 1 to communicate with other devices, the memory 12 is used to store instructions, data, etc., the processor 14 is used to execute instructions, process data, etc., and the display 16 is used for display. The electronic device 1 can be any of the following devices: a mobile phone, a tablet, a smart wearable device, etc., a computer, a server, a cloud device, etc.

[0026] Figure 2 Schematic diagram of the structure of the integrated payment system according to the example of this application. Figure 2 As shown, the integrated payment system 4 includes an interaction module 40 , a payment interface 42 , a processing module 44 , and a memory 46 .

[0027] The interaction module 40 is used to provide an interaction interface so that the user can interact with the payment system through it. The interaction module 40 is configured to form a payment request according to the payment method and the selected payment institution selected by the user via the interaction module 40. Specifically, when the selected payment method and the selected payment institution match, a payment request is directly formed; when the selected payment method and the selected payment institution do not match, the interaction module 40 is further configured to automatically search for a matching payment method from multiple payment methods based on the selected payment institution in a preset manner; or automatically select a matching bank from multiple payment institutions based on the selected payment method in a preset manner. Multiple payment methods, multiple payment institutions, and the matching relationship between payment methods and payment institutions are all stored in the memory 46 as a resource library of the payment system 4. The resource library is configurable and updateable. For example, when any one or more of the payment institution, payment method, and matching relationship changes, the resource library can be configured to reflect the change. For example, when a payment institution is added, the added payment institution can be configured to the resource library, and the configuration of the matching relationship between the payment institution and the payment method is added at the same time. The interaction module 40 obtains the matching relationship between the payment method and the payment institution from the resource library, so there is no need to update or adjust when the bank, payment method, or their matching relationship changes.

[0028] According to some examples of the present application, the preset method includes determining the payment method with the highest matching degree with the selected bank from a priority queue, the priority queue including two queue elements, one is the payment method and the other is the score. Each payment method is assigned a score, and the larger the score, the higher the priority of the payment method with the score for the bank.

[0029] In each example of the present application, the payment institution includes an institution such as a bank for providing payment services.

[0030] The payment interface 42 is configured to receive various requests sent by different acceptance institutions, collect information from the received requests, form a message based on the collected information and report the message. The requests received by the payment interface 42 include payment requests submitted by different acceptance institutions through the interaction module.

[0031] The processing module 44 is configured to receive the reported message and automatically route the message to the corresponding payment channel according to the information indicated by the message. The payment channel here refers to the path used to process messages and make payments. In some examples, the payment institution mentioned above and the sub-institutions under the payment institution that handle business constitute the payment channel. For example, the payment institution may include financial institutions such as the Agricultural Bank of China, the Industrial and Commercial Bank of China, and the Construction Bank. The sub-institutions under the payment institution may be a bank located in a certain place or at the end, or a bank that specializes in handling a certain business. In other examples of this application, the blockchain smart account system is also used as a payment channel.

[0032] According to some examples of the present application, when the processing module 44 determines that the payment method is the first type of payment method according to the information indicated by the message, the message is routed according to the preset routing rules so that it enters the corresponding payment channel; when the payment method is determined to be the second type of payment method according to the information indicated by the message, the blockchain smart account system is called to process the message. As an example, the first type of payment method includes order payment and gateway payment, and the second type of payment method is an order release payment method. The blockchain smart account system is configured to generate an order identification number for the order involved in the message, track the order, and verify the order in order to release the order.

[0033] Figure 2 The payment system 4, the interaction module 40, the payment interface 42, and the processing module 44 shown in the figure can be implemented in different electronic devices, or in the same electronic device, or partially in the same electronic device. The structure of the electronic device is as follows: Figure 1 For example, the interaction module 40 is set in the mobile phone; the payment interface 42 and the processing module 44 are set in the computer; the interaction module 40 communicates with the computer including the payment interface 42 and the processing module 44 through the communication interface of the mobile phone.

[0034] As an example, the interaction module 40 can be implemented as a program instruction through a programming language, stored in the memory of the electronic device including the interaction module 40, and executed by the processor of the electronic device, thereby realizing the various functions of the interaction module 40. Similar to the interaction module 40, the payment interface 42 can be implemented as a program instruction, which is executed by the electronic device including the payment interface 42. The processing module 44 can be a device independently set in the electronic device including it. The functions that can be realized by the processing module 44 are realized by the program instructions, and the processor of the electronic device executes these instructions to realize the functions of the processing module 44.

[0035] Figure 3 is a flow chart of a fusion payment method according to some embodiments of the present application. Figure 3 As shown, in step S200, an interactive interface that can be displayed on a display component is provided. In step S202, it is determined whether the payment method selected by the user through the interactive interface matches the selected payment institution. In the case of matching, step S206 is entered to form a payment request. In the case where the judgment result of step S202 is mismatched, step S204 is entered. In this article, the matching of the payment method and the payment institution means that the payment institution supports the payment method. In step S204, when the payment method selected by the user through the interactive interface does not match the payment institution, a payment method matching the payment institution is automatically selected from multiple payment methods stored in the resource library based on the selected payment institution in a preset manner. Subsequently, step S206 is entered to form a payment request. In this example, the resource library stores a variety of payment methods, multiple payment institutions, and matching relationships between payment methods and banks. As an example, the payment institution and the payment method can be stored in a manner that can index each other, that is, through a bank, each payment method supported by the bank can be indexed. In addition, it should be understood that storing a payment method refers to storing an identifier representing the payment method, and storing a payment institution refers to storing an identifier representing the payment institution.

[0036] According to some examples of this application, Figure 3 The method shown also includes displaying a payment interface including payer and / or payee information before forming a payment request; and forming a payment request after obtaining a signal confirming the payment via the payment interface.

[0037] according to Figure 3 The fusion payment method shown can be used in e.g. Figure 1The electronic device shown in the figure performs, when the user performs payment, an interactive interface is provided to the user, and the user can select a payment method according to his / her preference, such as selecting order payment. If the bank selected by the user does not support the payment method selected by the user, the resource library will automatically search for a payment method matching the selected bank. The user does not need to perform any operation in this process, that is, the user does not need to pay attention to the bank's support for the payment method. In addition, according to Figure 3 The fusion payment method shown can also be Figure 2 The payment system 4 shown is executed, specifically, can be executed by the interaction module 40 in the payment system 4 .

[0038] For example, Figure 2 The interactive interface provided by the interactive module 40 shown can also be called an electronic cashier. The electronic cashier supports users to select various payment methods and multiple payment institutions, and automatically provides matching items from the resource library when the user's selection does not match, and automatically completes the matching and generates a payment request without the user having to understand the process. Figure 3 The electronic device of the method shown can provide an electronic cash register suitable for different acceptance institutions.

[0039] Figure 3A It is a payment interaction interface provided during the operation of the integrated payment method according to some specific embodiments of the present application. This example is an application scenario in which the payee makes payment after placing an order on a B2B merchant platform. In this scenario, the payee uses his electronic device 1 (such as a mobile phone) Figure 1 )Initiate order payment request.

[0040] The display 16 of the electronic device 1 displays (step S200) Figure 3A The payment interaction interface shown. The payer selects the payment method and bank to be adopted from the multiple payment methods and multiple banks presented, for example, the payment method selects order payment 310 and the payment institution selects Industrial and Commercial Bank of China 320. The electronic device 1 executing this method further determines (step S202) whether the selected bank and the selected payment method match. For example, whether the selected Industrial and Commercial Bank of China pays the order payment. If they match, the payment confirmation interface is displayed to the payer, such as Figure 3B The payee is Figure 3BClick the payment button 330 on the displayed payment confirmation interface to generate (S206) a payment request and enter the subsequent payment process. As shown in the figure, if there is no match, in this example, first based on the selected bank, automatically select (step S204) a payment method that matches the bank from multiple payment methods stored in the resource library in a preset manner, and present the order payment interface of the re-matched bank and payment method to the payee, so as to generate (S206) a payment request after the user confirms. For example, the Industrial and Commercial Bank of China supports gateway payment, so the payment confirmation interface of the Bank of China and the gateway payment is presented to the payee for confirmation. As an alternative, when there is no match, the payment method can also be used as a reference to automatically select a payment institution that matches the payment method from the payment institutions stored in the resource library in a preset manner. It should be noted that in this case, the payment institution that can be selected for the payment method in the resource library is the payment institution with which the payee has opened an account.

[0041] The following example illustrates the preset method. Selecting from the resource library in accordance with the preset method means selecting the one with the highest priority according to the priority queue, where the highest priority means the highest match. Here, a bank is used as an example of a payment institution. In the example of selecting the payment method with the highest priority from the priority queue based on the bank, there are two queue elements in the priority queue, one is the payment method and the other is the score. Each payment method is assigned a score. The higher the score, the higher the priority of the payment method in the queue. Payment methods that do not match the bank are directly assigned a score of 0, and payment methods that match the bank are assigned a score of, for example, 10 points. The scoring is variable, because during use, the payment methods supported by the bank may change. For example, if the bank no longer supports a certain payment method, its score will become 0. For example, when users use the bank during use, the proportion of selecting a certain payment method is greater than other payment methods, then the score of this payment method will become higher. In this example, the payment confirmation interface (such as Figure 3B ), the payment confirmation interface using the bank and the payment method with the highest priority (i.e., the highest matching degree) in the priority queue will be directly called. The process of selecting the bank with the highest priority from the priority queue based on the payment method is similar to this example and will not be repeated here.

[0042] Combination of the above Figure 3 , Figure 3A , Figure 3BAny of the examples in the described method can be implemented by the interactive module 40 of the payment system 4. After the method is implemented as a cash register and adopted, since the cash register aggregates a variety of corporate payment methods, different payment methods correspond to different payment channels. After placing an order, the corporate user (payer) can select the payment bank and payment method displayed on the cash register. The cash register according to the present application first determines whether the selected payment method is supported by the selected bank (whether the payment method matches the bank). If supported, the payment interface is displayed to the user; if the bank does not support the payment method, the cash register determines the payment channel supported by the bank, and automatically switches to other payment channels for payment according to priority. For users, there is no need to pay attention to the bank support of the payment channel, which reduces the need to re-order when a single payment channel is not supported by the bank, and the problem of a large number of invalid orders occupying system resources, which greatly simplifies the payment process and optimizes the payment experience.

[0043] In addition, for the acceptance institutions, the existing cash registers they commonly use have to be redeveloped for each enterprise because the application methods of accessing enterprises are different. The cash register implemented by the example of this application does not need to be redeveloped because it supports various payment channels. In addition, the existing cash register must be adaptively updated when the payment channel is updated. However, the cash register implemented according to the example of this application calls the payment channel from the resource library. As long as the resource library updates the payment channel, the cash register does not need to be updated.

[0044] Figure 4 FIG. 1 is a flow chart of another integrated payment method according to an example of the present application. Figure 4 As shown, in step S300, various requests sent by different acceptance agencies are received. In step S302, information is collected from the requests. In step S304, a message is formed and reported based on the collected information.

[0045] In the payment business, the clearing institutions responsible for clearing services provide a variety of corporate payment products, which provide services to the outside world respectively. Different payment services have different external interfaces. This requires the acceptance institutions that want to access the clearing institutions to connect multiple times, resulting in a long access cycle and susceptibility to changes in interface upgrades, and high access and maintenance costs.

[0046] According to this application Figure 4 The exemplary method (steps S300 to S304) can be implemented as a single interface capable of receiving different payment service requests. For the accepting institution, it does not matter what institution or service is to receive the request, it only needs to submit the request. Figure 4 The exemplary method can be implemented as a program module, which, when implemented by an electronic device including a processor, can be used as a unified payment interface for connecting to various acceptance structures. Figure 4 The method shown can also be used by Figure 2The illustrated converged payment system 4 is executed, more specifically, by a payment interface 42 .

[0047] Continue to refer to Figure 4 The method also includes step S306, receiving a message, and judging whether the payment method is a first-category payment method according to the information indicated in the message; if it is a first-category payment method, the process proceeds to step S308; if the payment method is judged to be a second-category payment method, the process proceeds to step S309.

[0048] In step S308, under the first payment method, the message is routed according to the preset routing rules so that the message enters the corresponding payment channel. The first payment method in this example may include order payment and gateway payment. In step S309, under the second payment method, the blockchain smart account system is called to process the message. The second payment method is, for example, order release.

[0049] As an example, the routing rules can be determined based on the payment method, payment bank and other factors sent in the transaction message, and the message can be intelligently routed to different payment channels. Table 1 lists four payment methods and the payment institutions corresponding to the payment methods.

[0050] Table 1

[0051] Payment Methods Payment Institutions 01 A 02 B 03 C 04 D

[0052] It can be seen that under the first type of payment method, different payment methods correspond to a payment institution respectively, and the message can be sent to the processing system of the payment institution according to the payment method. For example, if the payment method is 01 payment method, the message will be sent to the processing system of institution A, and if the payment method is 02 payment method, the message will be sent to the processing system of institution B, and so on.

[0053] In actual applications, payment institutions also include sub-institutions, and the businesses of each sub-institution may also be different. Therefore, according to this example, it is necessary to further determine the routing rules for routing to the sub-institutions that specifically handle the business. When the sub-institution accesses the processing system of the payment institution, it has been assigned a bank number. Therefore, this example uses the bank number combined with the account type to achieve routing within the processing system. It should be noted that the sub-institution in the example of this application is a bank, so the assigned bank number is used as its identifier, but other methods can also be used instead of the bank number as an identifier.

[0054] For example, if the branch number of a payment bank is X, its subordinate banks that carry out payment business have institution codes, such as a, b, and c. Among them, the subordinate bank with institution code a can only accept account transactions of bank with branch number x with account types of 01 (bank debit account) and 05 (bank prepaid account), the subordinate bank with institution code b can only accept account transactions of bank with branch number x with account types of 02 (bank credit account) and 03 (bank quasi-credit account), and the institution with institution code c can only accept account transactions of bank with branch number x with account type of 20 (non-bank card corporate account). Based on this, the final recipient of the message (i.e., the institution that ultimately makes the payment) can be determined in combination with the bank branch number x and the specific account type of the payment transaction indicated by the message. Table 2 lists the correspondence between the bank number plus the account type and the recipient's institution code in this example:

[0055] Table 2

[0056] Bank Number + Account Type Recipient institution code X+01 a X+05 a X+02 b X+03 b X+20 c

[0057] The second type of payment method is, for example, order release. For order release payment methods, the blockchain smart account system can be called for processing. Specifically, the blockchain smart account system is called to generate an order identification number, where the order here refers to the payment order involved in the message; further, the order is released in the blockchain system through the order identification number generation contract, order status tracing contract, order payment condition verification contract, etc., and finally the payment system (for example, the payment system) that executes the method according to the example of this application Figure 2 The payment system 4 shown completes the order release. The order release response (including the order identification number) is returned to the acquiring institution, and the order identification number is unique in the payment system. The acquiring institution provides the order identification number information to the payee, and the payee synchronizes the order identification number with the payee based on its scenario. The payee enters the order identification number and payment amount through the bank channel to query and pay the order. After the payment bank completes the processing, it sends a result notification, which is forwarded to the acceptance institution through a unified order result notification interface, such as the payment interface 42 described above.

[0058] The blockchain smart account system includes: (1) The blockchain management console is used for the interaction between external systems and the blockchain, the management of blockchain nodes, and the management of blockchain business contracts. (2) The blockchain system, the business participants can participate in the order issuance blockchain smart account system by deploying physical nodes or by being hosted by payment institutions. The regulatory agency, as the supervisory party, supervises the entire process of order issuance.

[0059] Smart contracts include: (1) Order identification number generation contract. According to the requirements of the payment institution or the acquiring institution, the order identification number generation contract is customized through the blockchain management console. Each institution can have its own exclusive order identification number generation logic. (2) Order status tracing contract. The institution will generate an order identification number for the order that does not contain the payment account information by calling the blockchain smart account system order identification number generation contract. At the same time, the order status tracing contract is called across contracts to record the initial status of the order in the status tracing contract. Subsequent order status changes such as the paying bank supplementing the payer, initiating payment, completed payment amount, whether the payment is completed, and whether the payment is successful are all recorded in the contract, completing the status tracing of the entire life cycle of the order. The order status tracing contract can be globally unique or deployed separately for each institution according to business needs. (3) Order payment condition verification contract. When the paying bank initiates payment, it can provide the payment institution with order payment condition pre-verification services. For example, the payee publishes the collection restriction conditions together with the order to, for example, Figure 4 In the payment system shown, the smart account system instantiates the collection conditions into an order payment condition verification contract. When the payer initiates payment, the payment system can pre-verify the order payment conditions through the on-chain order payment verification contract to determine whether the payer can make the payment successfully.

[0060] Figure 5 1 is a schematic diagram of a process of a fusion payment method executed by a fusion payment system according to a specific embodiment of the present application. In this specific embodiment, the initiator 50 is the payer, who places an order on a B2B merchant platform, and after the order is placed, clicks on the fusion payment system according to the present application (such as Figure 4 In this example, the application (APP) provided by the convergent payment system of the present application example has been installed in the electronic device of the initiator, such as a mobile phone; or, the mini program provided by the convergent payment system of the present application example has been installed on the WeChat platform, and the payer can call the mini program. The acceptance agency 52 in this example is the payment collection system used by the merchant. The convergent payment system 6 in this example includes an interaction module 60, a payment interface 62, and a processing module 64.

[0061] The initiator 50 initiates an order payment request, and the acceptance agency 52 receives the order payment request. The acceptance agency 52 sends the request to the interactive module 60 of the payment system 6. The interactive module 60 is the cashier. After receiving the request, the cashier 60 performs the following steps in conjunction with the above description. Figure 3 The described process forms a payment request. In the formed payment request, the payment method and bank to be used may be selected by the user when initiating the order payment request, or may be re-matched by the cashier due to the mismatch between the payment method and bank selected by the user. The cashier 60 sends (S500) the formed payment request to the payment interface 62.

[0062] The payment interface 62 can receive various requests from various acceptance agencies, such as payment, inquiry, etc. The formats of these requests may be different. In the prior art, multiple payment interfaces may need to be set up to respond to different requests, but in the example of the present application, the payment interface 62 is configured to uniformly respond to various requests. According to the payment interface 62 of the present application, information is collected from the received request, and the collected information is used to form a message. Therefore, after receiving the payment request sent from the cashier 62, the information in the payment request is first collected, and then the information is formed into a message. In this example, the formed message is a message for paying the order. The payment interface sends the formed message (S502) to the processing module 64.

[0063] The processing module 64 is also referred to as an intelligent routing module in this example. In this example, the processing module 94 performs routing judgment. In this example, when the processing module 94 judges that the payment method is order payment according to the information indicated by the message, the message is routed to the corresponding payment channel according to the preset routing rules. As shown, the processing module 94 routes (S504) the message with the payment method being order payment to the payment institution 70. Of course, the payment institution is the payment institution where the initiator has an account. The payment institution 70 that receives the message returns a response to the processing module 64, and the transaction response is transmitted to the acceptance institution 52 via the payment system 6. Further, the payment institution 70 notifies the recipient 72, that is, the payer (such as the paying bank), to confirm and review the payment order involved in the message. The recipient 72 sends confirmation and review information. After the initiator logs in to the online banking to complete the order confirmation, the recipient 72 completes the payment. After the payment is completed, the payment institution 70 sends an order result notification to the acceptance institution 52 through the payment system 6 to inform it of the payment result.

[0064] If the payment method and the payment institution do not match in the payment request received by the cashier 60 in the above example, the cashier 60 can use the original payment institution and match a new payment method for the payment institution, such as gateway payment. After matching the new payment method, the cashier 60 forms a payment request and sends it (S600) to the payment interface 62. The payment interface 62 collects information from the payment request, forms a message, and sends the message (S602) to the processing module 64. When the message indicates that the payment method is gateway payment, the processing module 64 first routes the message to the omnichannel, which forwards it to the cardless gateway system. The cardless gateway system routes the message (S604) to the account institution 70 according to the preset routing rules. In this process, the omnichannel sends a transaction response to the acceptance institution through the payment system 6. The payment institution 70 notifies the payee 72 of the payment transaction. After the payee 72 confirms and verifies it, the payment operation is implemented to complete the payment. Finally, the payment institution 70 sends an order result notification to the acceptance institution through the payment system 6 to inform it of the payment result.

[0065] In another example, the initiator 50 initiates an order transaction query, and the acceptance institution 52 sends the order transaction query request to the cashier 60, and the cashier 60 sends it to the payment interface 62, so that the acceptance institution can query the order status through the payment interface 62. The delivery interface 62 is configured to handle various requests, so whether it is a payment order status query or a corporate online banking transaction query, it can be performed through this interface.

[0066] The present application also provides a program product, which includes instructions, which, when executed, implement the above-mentioned Figure 3 , Figure 3A and Figure 3B Any one of the described integrated payment methods. The program product can be loaded on an electronic device as an application program APP, and when the APP is called, it is implemented as a cash register of the payment system.

[0067] The present application also provides a program product, which includes instructions, which, when executed, implement the above combination Figure 4 Any of the examples described. The program product can also be loaded on an electronic device as an application program APP, and when the APP is called, it can provide a unified payment interface and intelligent routing to the payment system.

[0068] Although the embodiments of the present application have been shown and described in detail to illustrate the principles of the present application, it should be understood that the present application may be implemented in other ways without departing from such principles, for example, the technical features of the various embodiments / examples / examples of the present application may be combined with each other to form new implementation methods.

Claims

1. A fusion payment system, characterized in that: The payment system includes: An interactive module, for providing an interactive interface, receiving a payment method and a payment institution selected via the interactive interface, and generating a payment request when the selected payment method matches the selected payment institution; and when the selected payment method does not match the selected payment institution, automatically selecting a matching payment method from a plurality of payment methods based on the selected payment institution in a preset manner to form a payment request, or automatically selecting a matching payment institution from a plurality of payment institutions based on the selected payment method in a preset manner to form a payment request; A payment interface, configured to receive various requests sent by different acceptance institutions, collect information from the requests, form and report messages for the requests, and the requests include payment requests submitted by the acceptance institutions through the module; A processing module, configured to receive the reported message and automatically route the message to a corresponding payment channel according to information indicated by the message; The payment method for selection and the bank for selection are selected from a resource pool associated with the cashier.

2. The payment system according to claim 1, characterized in that: The preset method includes determining the payment method with the highest matching degree with the selected payment institution from the priority queue, or determining the payment institution with the highest matching degree with the selected payment method.

3. The payment system according to claim 1, characterized in that: The processing module is configured to automatically route the message to a corresponding payment channel according to information indicated by the message.

4. The payment system according to claim 3, characterized in that: The processing module is configured to automatically route the message to the corresponding payment channel in the following manner: When the payment method is determined to be the first payment method according to the information indicated by the message, routing the message to the receiving institution according to a preset routing rule; When the payment method is determined to be the second type of payment method according to the information indicated by the message, the blockchain smart account system is called to process the message.

5. The payment system according to claim 4, characterized in that: The blockchain smart account system is configured to generate an order identification number for the order involved in the message, track the order, and verify the order in order to publish the order.

6. A fusion payment method, characterized in that: The method comprises: Provide an interactive interface; When the payment method selected by the user through the interactive interface matches the selected payment institution, a payment request is formed; In the case where the payment method selected by the user through the interactive interface does not match the selected payment institution: automatically selecting a matching payment method from multiple payment methods stored in the resource library based on the selected payment institution in a preset manner to form a payment request; or automatically selecting a matching payment institution from multiple payment institutions stored in the resource library based on the selected payment method in a preset manner to form a payment request; The payment method, the payment institution, and the matching relationship between the payment method and the payment institution are stored in the resource library.

7. The payment method according to claim 6, characterized in that: The method further includes: displaying a payment interface including payer and / or payee information before forming a payment request; and forming a payment request after obtaining a payment confirmation signal via the payment interface.

8. The payment method according to claim 7, characterized in that: The preset method includes determining the payment method with the highest matching degree with the selected payment institution from the priority queue, or determining the payment institution with the highest matching degree with the selected payment method.

9. A fusion payment method, characterized in that: The method comprises: Receive various requests from different acceptance agencies; Collect information from the request and form a message based on the collected information and report it.

10. The payment method according to claim 9, characterized in that: The message is received and the message is automatically routed to a corresponding payment channel according to the information indicated by the message.

11. The payment method according to claim 10, characterized in that: Automatically routing the message to a corresponding payment channel according to information indicated by the message, including: When the payment method is determined to be the first payment method according to the information indicated by the message, routing the message to the receiving institution according to a preset routing rule; When the payment method is determined to be the second type of payment method according to the information indicated by the message, the blockchain smart account system is called to process the message.

12. The payment method according to claim 11, characterized in that: The blockchain smart account system is configured to generate an order identification number for the order involved in the message, track the order, and verify the order in order to publish the order.

13. A program product, characterized in that The program product comprises program instructions, which, when executed, implement the method according to any one of claims 6 to 8; or implement the method according to any one of claims 9 to 12.

14. A non-transitory storage medium, characterized in that: The storage medium stores program instructions, which, when executed, implement the method according to any one of claims 6 to 8, or implement the method according to any one of claims 9 to 12.

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