Online payment method and device, medium, processor and computer program product
Generating a cashier interface or payment link for payment orders through payment bitmap technology solves the problems of complexity and maintenance of existing online payment integration solutions, and realizes rapid integration and management of payment channels.
Patent Information
- Application Number
- CN202411704581.7
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-11-26
- Publication Date
- 2025-03-04
AI Technical Summary
The access process of existing online payment integration solutions is complex and requires multiple payment channels to be processed separately, resulting in difficulty in maintaining.
Using payment bitmap technology, by receiving payment requests from the payment merchant, a cashier interface or payment link for payment orders is generated based on the configured payment bitmap, and sent it to the payment terminal, and selecting the corresponding payment process in response to the payment method of the payment terminal.
It simplifies the integration and management of payment channels, reduces maintenance complexity, and achieves the rapid and efficient integration of various collection terminals and payment methods.
Smart Images
Figure CN119558841A_ABST
Abstract
Description
Technical Field
[0001] The present application relates to the field of computer technology, and in particular to an online payment method, device, storage medium, processor and computer program product for a payment platform management end or a payment terminal. Background Art
[0002] Currently, online payment has been applied to various smart terminals such as PCs and mobile phones. On the mobile side, it also supports various payment channels such as UnionPay, bank cards, WeChat, Alipay, Apple Pay, etc. through APP, web pages, and mini-programs. There are also payment integration solutions to integrate the above-mentioned different terminals and channels. However, the existing integration solutions have complex access processes and the need to handle multiple payment channels separately, which leads to technical problems that make maintenance difficult. Summary of the invention
[0003] The purpose of the embodiments of the present application is to provide an online payment method, device, storage medium, processor and computer program product for a payment platform management end or a payment terminal.
[0004] In order to achieve the above-mentioned purpose, the first aspect of the present application provides an online payment method for a payment platform management end, and the online payment method includes:
[0005] Receiving a payment request sent by a payment receiving merchant through a payment receiving terminal, wherein the payment request includes a payment receiving account number and payment receiving information;
[0006] A payment bitmap is configured in association with the payment account and the payment terminal in the payment platform management terminal, wherein each digit in the payment bitmap corresponds to a different payment method, and the value of each digit in the payment bitmap indicates whether the payment method corresponding to the corresponding digit is supported;
[0007] Generate a payment order according to the payment information, generate a cashier interface or payment link of the payment order according to the payment bitmap, and send the cashier interface or payment link to the payment terminal; and
[0008] In response to the payment method selected by the payment terminal from the cashier interface, executing the payment process corresponding to the payment method; or
[0009] Receive the payment result fed back by the payment link.
[0010] In an embodiment of the present application, the payment terminal includes one or more of the following: a browser web terminal, a native APP terminal, an H5 web terminal, and a third-party payment platform mini-program terminal.
[0011] In an embodiment of the present application, the payment method includes one or more of the following: WeChat payment, Alipay payment, bank card payment, digital RMB payment, Dragon payment, third-party checkout counter payment, UnionPay payment, H5 wallet payment, UnionPay account payment, and corporate payment.
[0012] Furthermore, the third-party cashier payment may be a single payment method or a combination of multiple payment methods.
[0013] In an embodiment of the present application, the number of bits of the payment bitmap corresponding to different payment terminal types may be the same or different, and the number of bits of the payment bitmap is equal to the number of all payment methods that the corresponding payment terminal can support.
[0014] Furthermore, corresponding to the same payment terminal type, the number of digits of the payment bitmaps of different payment merchants is the same.
[0015] Furthermore, the cashier interface is used to display the payment methods that can be used for the current payment request, wherein the payment methods that can be used are determined according to the values of each digit of the payment bitmap corresponding to the payment terminal used to send the payment request.
[0016] In an embodiment of the present application, the online payment method also includes: based on the request of the payee merchant, at the payment platform management end, adding at least one payee terminal used by the payee merchant and the configuration of the payment bitmap corresponding to each payee terminal, and / or modifying the configuration of at least one payee terminal used by the payee merchant and the configuration of the payment bitmap corresponding to each payee terminal.
[0017] A second aspect of the present application provides an online payment method, which is used for a payment terminal and interacts with a payment platform management terminal. The online payment method for the payment terminal includes:
[0018] Sending a payment request to the payment platform management terminal through the payment terminal; and
[0019] Receive and display the cashier interface sent by the payment platform management end, select the payment method determined by the payee on the cashier interface, and feedback the selected payment method to the payment platform management end, or
[0020] Jump to the payment link sent by the payment platform management end, display the payment link interface and execute the corresponding payment process, and feedback the payment result of the payment link to the payment platform management end.
[0021] In an embodiment of the present application, the online payment method for the payment terminal also includes: sending a new configuration request or a configuration modification request to the payment platform management end, wherein the new configuration request and the configuration modification request include at least one payment terminal used by the payment merchant, and the payment method used in each payment terminal.
[0022] The third aspect of the present application provides an online payment device for a payment platform management terminal, the online payment device comprising: a request receiving module, a payment bitmap obtaining module, a cashier push module and a payment process module, wherein:
[0023] A request receiving module receives a payment request sent by a payment receiving merchant through a payment receiving terminal, wherein the payment request includes a payment receiving account number and payment receiving information;
[0024] Obtain a payment bitmap module, and determine a payment bitmap according to the configuration associated with the payment account and the payment terminal in the payment platform management end, wherein each digit in the payment bitmap corresponds to a different payment method, and the value of each digit in the payment bitmap indicates whether the payment method corresponding to the corresponding digit is supported;
[0025] The cashier push module generates a payment order based on the payment information, generates a cashier interface or payment link for the payment order based on the payment bitmap, and sends the cashier interface or payment link to the payment terminal;
[0026] The payment process module executes the payment process corresponding to the payment method in response to the payment method selected by the payment terminal from the cashier interface; or receives the payment result fed back by the payment link.
[0027] In an embodiment of the present application, the online payment device also includes a configuration module, which, based on the request of the payee merchant, adds, on the payment platform management end, the configuration of at least one payee terminal used by the payee merchant and the payment bitmap corresponding to each payee terminal, and / or modifies the configuration of at least one payee terminal used by the payee merchant and the payment bitmap corresponding to each payee terminal.
[0028] In an embodiment of the present application, in the configuration module, for different types of payment terminals, the number of bits of the configured payment bitmap may be the same or different, and the number of bits of the payment bitmap is equal to the number of all payment methods that the corresponding payment terminal can support.
[0029] In an embodiment of the present application, in the configuration module, for the same payment terminal type, the number of bits of the payment bitmap configured for different payment merchants is the same.
[0030] In an embodiment of the present application, in the cashier push module, the cashier interface includes payment methods that can be used for the current payment request, wherein the available payment methods are determined based on the values of each digit of the payment bitmap corresponding to the payment terminal used to send the payment request.
[0031] A fourth aspect of the present application provides an online payment device, which is used for a payment terminal and interacts with a payment platform management terminal. The online payment device for the payment terminal includes: a sending request module and a cashier module, wherein:
[0032] The sending request module is configured to: send a payment request to the payment platform management terminal through the payment terminal;
[0033] The cashier module is configured to: execute the first cashier process or the second cashier process,
[0034] Among them, the first cashier process includes:
[0035] Receive and display the cashier interface sent by the payment platform management end;
[0036] On the cashier interface, select the payment method determined by the payee;
[0037] Feedback the selected payment method to the payment platform management end,
[0038] The second cashier process includes:
[0039] Jump to the payment link sent by the payment platform management end;
[0040] Display the payment link interface and execute the corresponding payment process;
[0041] Feedback the payment result of the payment link to the payment platform management end.
[0042] In an embodiment of the present application, the request sending module is also configured to: send a new configuration request or a configuration modification request to the payment platform management end, wherein the new configuration request and the configuration modification request include at least one payment terminal used by the payment merchant, and the payment method used in each payment terminal.
[0043] The fifth aspect of the present application provides a processor configured to: execute the online payment method of the present application.
[0044] A sixth aspect of the present application provides a machine-readable storage medium, on which instructions are stored. When the instructions are executed by a processor, the processor is configured to: execute the online payment method of the present application.
[0045] The seventh aspect of the present application provides a computer program product, including a computer program, which implements the online payment method of the present application when executed by a processor.
[0046] Through the above technical solution, a payment bitmap is proposed, in which each bit in the bitmap corresponds to an independent payment method. The payment platform management end pre-configures the payment methods that are acceptable to each payment merchant when collecting payments through different payment terminals. When the payment merchant collects payments through any pre-configured payment terminal, a payment bitmap is generated according to the payment method selected by each merchant under the payment terminal, in which each digit represents whether the payment method corresponding to the digit is supported, so that a cashier or payment link corresponding to the payment terminal can be generated based on the payment bitmap, and the cashier interface or payment link can be sent to the payment terminal, and the corresponding payment process is completed at the payment terminal, so that various payment terminals and payment methods can be quickly and effectively integrated together.
[0047] Other features and advantages of the embodiments of the present application will be described in detail in the subsequent specific implementation section. BRIEF DESCRIPTION OF THE DRAWINGS
[0048] The accompanying drawings are used to provide a further understanding of the embodiments of the present application and constitute a part of the specification. Together with the following specific implementations, they are used to explain the embodiments of the present application, but do not constitute a limitation on the embodiments of the present application. In the accompanying drawings:
[0049] Figure 1 A schematic diagram of an application environment of an online payment method according to an embodiment of the present application is schematically shown;
[0050] Figure 2 The following is a schematic diagram showing a process flow of an online payment method according to an embodiment of the present application;
[0051] Figure 3 A timing diagram schematically illustrates an online payment method according to an embodiment of the present application;
[0052] Figure 4 The structure block diagram of the online payment device according to the embodiment of the present application is schematically shown;
[0053] Figure 5 The internal structure diagram of a computer device according to an embodiment of the present application is schematically shown. DETAILED DESCRIPTION
[0054] 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. It should be understood that the specific implementation methods described herein are only used to illustrate and explain the embodiments of the present application, and are not used to limit the embodiments of the present application. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of this application.
[0055] It should be noted that if the embodiments of the present application involve directional indications (such as up, down, left, right, front, back...), the directional indications are only used to explain the relative position relationship, movement status, etc. between the components under a certain specific posture (as shown in the accompanying drawings). If the specific posture changes, the directional indication will also change accordingly.
[0056] In addition, if there are descriptions involving "first", "second", etc. in the embodiments of the present application, the descriptions of "first", "second", etc. are only used for descriptive purposes and cannot be understood as indicating or suggesting their relative importance or implicitly indicating the number of technical features indicated. Therefore, the features defined as "first" and "second" may explicitly or implicitly include at least one of the features. In addition, the technical solutions between the various embodiments can be combined with each other, but they must be based on the ability of ordinary technicians in the field to implement them. When the combination of technical solutions is contradictory or cannot be implemented, it should be deemed that such combination of technical solutions does not exist and is not within the scope of protection required by this application.
[0057] The acquisition, transmission, storage, use, and processing of data in the technical solution of this application are in compliance with the relevant provisions of national laws and regulations. In addition, it should be noted that in the embodiments of this application, some existing solutions in the industry such as certain software, components, and models may be mentioned, which should be considered as exemplary, and their purpose is only to illustrate the feasibility of the implementation of the technical solution of this application, but it does not mean that the applicant has or will necessarily use the solution.
[0058] The online payment method provided by this application can be applied to Figure 1In the application environment shown. Among them, the terminal 102 communicates with the server 104 through the network. The terminal 102 is a payment terminal used by the payment merchant, which can be, for example, a browser web terminal, a native APP terminal, an H5 web terminal, or a third-party payment platform applet terminal. The server 104 can be a server that provides payment integration services for a large number of payment merchants. When the payment merchant needs payment services, a payment request is sent to the server 104 through the terminal 102. The server 104, or the payment platform management end, generates a payment bitmap according to the pre-configured payment method acceptable to the payment merchant through the payment terminal, in which each digit represents whether the payment method corresponding to the digit is supported, and generates a cashier or payment link corresponding to the payment terminal based on the payment bitmap, and sends the cashier interface or payment link to the payment terminal 102, and completes the corresponding payment process at the payment terminal 102, so as to flexibly and effectively support payments under various payment terminals and payment methods. The terminal 102 may be, but is not limited to, various personal computers, laptop computers, smart phones, tablet computers, and portable wearable devices, and the server 104 may be implemented as an independent server or a server cluster consisting of multiple servers.
[0059] Figure 2 The following schematically shows a flow chart of an online payment method according to an embodiment of the present application. Figure 2 As shown, in one embodiment of the present application, an online payment method is provided. This embodiment mainly applies the method to the above Figure 1 Taking the server 104 in FIG. 1 as an example, the following steps are included:
[0060] Step 201, receiving a payment request sent by a payment receiving merchant through a payment receiving terminal, wherein the payment request includes a payment receiving account number and payment receiving information;
[0061] Step 202, configuring a payment bitmap according to the association between the payment account and the payment terminal in the payment platform management terminal, wherein each digit in the payment bitmap corresponds to a different payment method, and the value of each digit in the payment bitmap indicates whether the payment method corresponding to the corresponding digit is supported;
[0062] Step 203, generate a payment order according to the payment information, generate a cashier interface or payment link of the payment order according to the payment bitmap, and send the cashier interface or payment link to the payment terminal; if a cashier interface is generated, jump to step 204, otherwise jump to step 205.
[0063] Step 204, in response to the payment method selected by the payment terminal from the cashier interface, executing the payment process corresponding to the payment method;
[0064] Step 205: Receive the payment result fed back by the payment link.
[0065] It should be noted that the above steps 201-205 are applied to Figure 1 The server 104 in the embodiment actually needs to interact with the payment terminal 102 to complete the online payment, and if necessary, needs to interact with a third-party payment platform. Figure 2 and Figure 3 The process of completing online payment by the merchant receiving payment through the payment terminal 102 interacting with the server 104 and the third-party payment platform is described.
[0066] In step 201, the payment request sent by the payment merchant through the payment terminal 102 is received by the server 104. The payment account and payment information included in the received payment request can be information input by the payment merchant through the payment terminal 102, or can be automatically obtained by the payment terminal 102 by scanning a code, reading pre-stored product and merchant data, etc.
[0067] Specifically, the payment terminal 102 can be one or more of the following: a browser web terminal, a native APP terminal, an H5 web terminal, or a third-party payment platform applet terminal.
[0068] In step 202, the configuration associated with the payment account and the payment terminal in the payment platform management end may be a configuration request sent by the payment merchant through the payment terminal 102, and finally configured by the relevant personnel of the server 104. The configuration associated with the payment account and the payment terminal in the payment platform management end may also be that the initial default configuration of each merchant is first completed on the server 104, and then the payment merchant modifies the configuration related to the payment account through the payment terminal 102.
[0069] After the above configuration takes effect, each time step 202 is executed, a payment bitmap corresponding to the payment merchant and payment terminal that initiated the payment request is generated according to the effective configuration. The payment bitmap can be generated after the above configuration takes effect, or it can be generated each time step 202 is executed.
[0070] It should be noted that different payment terminals usually support different payment methods. Therefore, if a merchant supports multiple payment terminals, multiple payment bitmaps can be generated according to the configuration. In step 202, the corresponding payment bitmap should be determined according to the type of payment terminal used to initiate the payment request. For example, if the payment merchant sends a payment request through a PC web terminal, the generated payment bitmap is a 13-digit payment bitmap "0100000000001" corresponding to the PC web terminal. Each digit in the above 13-digit payment bitmap corresponds to a different payment method. A value of 0 indicates that the payment method is not supported, and a value of 1 or other values indicates in what way the corresponding payment method is supported.
[0071] In some embodiments, the number of digits of the payment bitmap corresponding to different payment terminal types may be the same or different, and the number of digits of the payment bitmap is equal to the number of all payment methods that the corresponding payment terminal can support, but corresponding to the same payment terminal type, the number of digits of the payment bitmap of different payment merchants is the same.
[0072] The cashier interface is used to display the payment methods that can be used for the current payment request. The above-mentioned payment methods are determined according to the values of each digit of the payment bitmap corresponding to the payment terminal used by the payment merchant to send the current payment request through the payment terminal 102.
[0073] In step 203 , the server 104 , ie, the payment platform management end, generates an order according to the payment information sent by the payment terminal 102 , and generates a cashier or payment link according to the payment bitmap determined in step 202 .
[0074] It should be noted that different payment methods correspond to different payment program triggering methods. If it is triggered by jumping through a payment link, step 203 should generate a payment link based on the payment bitmap. If it is triggered by calling a payment program interface, a cashier interface should be generated, where the cashier interface can be a cashier interface for one payment method or a list of multiple payment methods.
[0075] The server 104 will generate a cashier or payment link and send it to the payment terminal 102, and the payment terminal 102 will trigger the payment program. If the payment terminal 102 receives the payment link, it can directly open the link and trigger the payment program in the link. That is, jump to the payment link sent by the payment platform management end, display the interface of the payment link and execute the corresponding payment process, and feedback the payment result of the payment link to the payment platform management end after the payment process is completed. If the payment terminal 102 receives the cashier interface, the payment merchant can click on the buttons and other controls in the payment interface to trigger the payment program corresponding to the control. That is, in the cashier interface of the payment terminal 102, the payment merchant selects the payment method determined by the payee, and feeds back the selected payment method to the payment platform management end.
[0076] The payment program corresponding to the cashier trigger control in the above cashier link and cashier interface can be as follows Figure 3 The payment procedure of the third-party payment platform shown may also be provided by the server 104 .
[0077] Specifically, the payment method can be one or more of the following: WeChat payment, Alipay payment, bank card payment, digital RMB payment, Dragon Payment, third-party cashier payment, UnionPay payment, H5 wallet payment, UnionPay account payment, and public payment. Among them, bank card payment can be, for example, a payment program of a specific bank's APP application. In some cases, a digit in the payment bitmap can represent a third-party cashier that supports one payment method or a combination of multiple payment methods.
[0078] The payment merchant sends a new configuration request or a configuration modification request to the payment platform management end through the payment terminal 102. In response to the above request, the server 104 adds the configuration of at least one payment terminal used by the payment merchant and the payment bitmap corresponding to each payment terminal, and / or modifies the configuration of at least one payment terminal used by the payment merchant and the payment bitmap corresponding to each payment terminal. The new configuration request and the configuration modification request include at least one payment terminal used by the payment merchant and the payment method used in each payment terminal.
[0079] The following is an exemplary description of a payment bitmap definition method corresponding to an H5 web terminal cashier counter in this embodiment, as well as the corresponding page display logic and payment call logic.
[0080] The payment bitmap corresponding to the cash register of the H5 web terminal has a total of thirteen digits, each of which represents a payment method or payment control. Among them, the first digit represents Long Pay, and the value of 0 indicates that it is not supported, and the value of 1 indicates that it is supported; the second digit represents the jsapi mode of WeChat Pay, and the value of 0 indicates that it is not supported, and the value of 1 indicates that it is supported; the third digit represents Alipay, and the value of 0 indicates that it is not supported, and the value of 1 indicates that it is supported; the fourth digit represents the bank card, and the value of 0 indicates that it is the whole bank, and the value of 1 indicates that it is only this bank, and the value of 2 indicates that it is other banks); the fifth digit represents the LOGO, and the value of 0 indicates that it is CCB, and the value of 1 indicates that it is other banks; the sixth digit represents the notification address; the seventh digit represents UnionPay, A value of 0 indicates not supported, and a value of 1 indicates supported; the eighth digit represents the order content at the checkout counter, a value of 0 indicates not displayed, and a value of 1 indicates displayed; the ninth digit represents H5 Dragon Payment, a value of 0 indicates not supported, and a value of 1 indicates supported; the tenth digit represents CCB Payment, a value of 0 indicates enabled, and a value of 1 indicates disabled; the eleventh digit represents digital RMB, a value of 0 indicates not supported, and a value of 1 indicates supported; the twelfth digit represents H5 Wallet, a value of 0 indicates not supported, and a value of 1 indicates supported; the thirteenth digit represents WeChat Mini Program, a value of 0 indicates not supported, a value of 1 indicates scheme mode, and a value of 2 indicates native wake-up mode.
[0081] The page display logic includes:
[0082] 1. Display payment methods other than WeChat and Alipay through bitmap. A value of 0 means no display, and 1 means display. For example, if the value in the tenth digit is 1, it will be displayed, and if the value is 0, it will not be displayed).
[0083] 2. Display WeChat and Alipay payment methods according to the payment environment.
[0084] 2.1 If it is determined to be an Alipay environment, WeChat will be hidden; determine whether Alipay is supported based on the third bit of the bitmap: 1 displays Alipay, 0 hides Alipay.
[0085] 2.2 If it is determined to be a WeChat environment, Alipay is hidden; determine whether WeChat is supported based on the second and thirteenth digits of the bitmap: if the second digit is 1, WeChat is displayed; if the second digit is 1 and the thirteenth digit is 1, WeChat is displayed; if the thirteenth digit is 2, WeChat is displayed; the second and thirteenth digits are others and WeChat is hidden.
[0086] 2.3 If it is judged to be an APP or browser environment, Alipay and WeChat are hidden; determine whether WeChat is supported based on the second and thirteenth bits of the bitmap: if the second and thirteenth bits are both 1, WeChat is displayed; if the thirteenth bit is 0 or 2, WeChat is hidden.
[0087] The payment call logic includes:
[0088] The second bit is 1, which means it is in jsapi mode, and the WeChat payment link is directly called in the WeChat environment;
[0089] If the second digit is 1 and the thirteenth digit is 1, it indicates WeChat: schema mode. The page directly launches the Zhengfutong applet for WeChat payment through the schema code link.
[0090] The thirteenth digit is 2: native wake-up mode. The page jumps to the third-party applet through the specified path. The third-party applet launches the Zhengfutong applet to make WeChat payment by passing parameters. The parameters include order number and token.
[0091] The third one is 1: jsapi mode, which directly calls the Alipay payment link in the Alipay environment.
[0092] The following is an exemplary description of a method for defining a payment bitmap corresponding to a native APP terminal cashier in this embodiment, as well as the corresponding page display logic and payment call logic.
[0093] The payment bitmap corresponding to the cash register of the native APP terminal has a total of nine digits, each of which represents a payment method or payment control. The first digit represents CCB Mobile Banking, where 0 means not supported and 1 means supported); the second digit represents WeChat, where a value of 0 means not supported and a value of 1 means supported; the third digit represents Alipay, where a value of 0 means not supported and a value of 1 means supported; the fourth digit represents UnionPay account payment, where a value of 0 means not supported and a value of 1 means supported; the fifth digit represents wallet payment, where a value of 0 means not supported and a value of 1 means supported; the sixth digit represents corporate payment, where a value of 0 means not supported and a value of 1 means supported; the seventh digit represents WeChat applet, where a value of 0 means not supported and a value of 1 means supported; the eighth digit represents Dragon Pay, where a value of 0 means not supported and a value of 1 means supported; the ninth digit represents digital RMB, where a value of 0 means not supported and a value of 1 means supported.
[0094] The page display logic includes:
[0095] 1. Display non-WeChat payment methods according to the payment bitmap. If the value is 0, it will not be displayed. If the value is 1, it will be displayed.
[0096] 2. Determine the WeChat payment method display based on the second and seventh bits of the bitmap: if the second bit is 0, hide WeChat; if the second bit is 1 and the seventh bit is 0, display WeChat; if the second bit is 1 and the seventh bit is 1, display WeChat.
[0097] The payment call logic includes: the second digit is 1 and the seventh digit is 0: get the WeChat payment link through the SDK; the second digit is 1 and the seventh digit is 1: call up the Zhengfutong WeChat applet through the SDK.
[0098] It should be noted that the above are only two specific examples of this embodiment, and the present application is not limited thereto. Technicians can determine the number of bits of the bitmap, as well as the page display logic and payment call logic represented by the value of each bit according to actual conditions.
[0099] Step 204 corresponds to the situation where a cashier interface for a payment order is generated based on the payment bitmap. In this case, the server 104 responds to the payment method selected by the payment terminal from the cashier interface, executes the payment process corresponding to the payment method, completes the online payment, and feeds back the payment result to the payment terminal 102.
[0100] Step 205 corresponds to the case where a payment link for a payment order is generated according to the payment bitmap. In this case, the payment link is opened at the payment terminal 102, and the payment process is triggered by the payment merchant or automatically triggered. The payment process can be completed by the payment program of the third-party payment platform. The execution result of the payment program is fed back to the payment terminal 102 by the third-party payment platform, and then fed back to the server 104 by the payment terminal 102.
[0101] Figure 2 FIG. 1 is a flow chart of an online payment method in one embodiment. It should be understood that although Figure 2 The steps in the flowchart are shown in sequence as indicated by the arrows, but these steps are not necessarily executed in the order indicated by the arrows. Unless otherwise specified in this document, there is no strict order restriction for the execution of these steps, and these steps can be executed in other orders. Moreover, Figure 2 At least part of the steps may include multiple sub-steps or multiple stages. These sub-steps or stages are not necessarily executed at the same time, but can be executed at different times. The execution order of these sub-steps or stages is not necessarily sequential, but can be executed in turn or alternately with other steps or at least part of the sub-steps or stages of other steps.
[0102] Compared with the prior art, the technical advantages of the present invention are:
[0103] 1. The payment bitmap is used to simply and effectively integrate different payment methods under various payment channels. On the integrated management side, the corresponding payment method is configured for each merchant under different payment channels, and the payment bitmap is generated based on the above configuration. When making a payment, the corresponding payment interface is displayed according to the payment bitmap and the corresponding payment program is called.
[0104] 2. It can adapt to various changes in demand without repeatedly iterating and upgrading the business logic of the online payment platform. When the merchant's demand changes or the business logic of the payment platform changes, there is no need to adjust the display logic of the payment interface and the calling logic of the corresponding payment program. The business logic upgrade can be achieved by submitting and modifying the configuration of the corresponding merchant through the payment terminal.
[0105] In one embodiment, Figure 4 As shown, an online payment device of the present application is provided, which is used for a payment platform management terminal, and includes a request receiving module, a payment bitmap obtaining module, a cashier push module and a payment process module, wherein:
[0106] The request receiving module is used to receive a payment request sent by a payment receiving merchant through a payment receiving terminal, wherein the payment request includes a payment receiving account number and payment receiving information.
[0107] Obtain a payment bitmap module, and determine a payment bitmap according to the configuration associated with the payment account and the payment terminal in the payment platform management end, wherein each digit in the payment bitmap corresponds to a different payment method, and the value of each digit in the payment bitmap indicates whether the payment method corresponding to the corresponding digit is supported.
[0108] The cashier push module is used to generate a payment order based on the payment information, generate a cashier interface or payment link for the payment order based on the payment bitmap, and send the cashier interface or payment link to the payment terminal.
[0109] The payment process module is used to execute the payment process corresponding to the payment method selected by the payment terminal from the cashier interface; or receive the payment result fed back by the payment link.
[0110] In an embodiment of the present application, the online payment device also includes a configuration module, which, based on the request of the payee merchant, adds, on the payment platform management end, the configuration of at least one payee terminal used by the payee merchant and the payment bitmap corresponding to each payee terminal, and / or modifies the configuration of at least one payee terminal used by the payee merchant and the payment bitmap corresponding to each payee terminal.
[0111] In an embodiment of the present application, in the configuration module, for different types of payment terminals, the number of bits of the configured payment bitmap may be the same or different, and the number of bits of the payment bitmap is equal to the number of all payment methods that the corresponding payment terminal can support.
[0112] In an embodiment of the present application, in the configuration module, for the same payment terminal type, the number of bits of the payment bitmap configured for different payment merchants is the same.
[0113] In an embodiment of the present application, in the cashier push module, the cashier interface includes payment methods that can be used for the current payment request, wherein the available payment methods are determined based on the values of each digit of the payment bitmap corresponding to the payment terminal used to send the payment request.
[0114] The embodiment of the present application also provides an online payment device, which is used for a payment terminal and interacts with a payment platform management terminal. The online payment device of the payment terminal includes: a sending request module and a cashier module, wherein:
[0115] The sending request module is configured to: send a payment request to the payment platform management terminal through the payment terminal;
[0116] The cashier module is configured to: execute the first cashier process or the second cashier process,
[0117] Among them, the first cashier process includes:
[0118] Receive and display the cashier interface sent by the payment platform management end;
[0119] On the cashier interface, select the payment method determined by the payee;
[0120] Feedback the selected payment method to the payment platform management end,
[0121] The second cashier process includes:
[0122] Jump to the payment link sent by the payment platform management end;
[0123] Display the payment link interface and execute the corresponding payment process;
[0124] Feedback the payment result of the payment link to the payment platform management end.
[0125] In an embodiment of the present application, the request sending module is also configured to: send a new configuration request or a configuration modification request to the payment platform management end, wherein the new configuration request and the configuration modification request include at least one payment terminal used by the payment merchant, and the payment method used in each payment terminal.
[0126] The above-mentioned online payment device includes a processor and a memory. The above-mentioned request receiving module, payment bitmap acquisition module, cashier push module, payment process module, request sending module and cashier module are all stored in the memory as program units, and the processor executes the above-mentioned program modules stored in the memory to implement corresponding functions.
[0127] The processor includes a kernel, which retrieves the corresponding program unit from the memory. One or more kernels can be set, and the online payment method of the present application can be implemented by adjusting kernel parameters.
[0128] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip.
[0129] An embodiment of the present application provides a storage medium on which a program is stored. When the program is executed by a processor, the online payment method of the present application is implemented.
[0130] An embodiment of the present application provides a processor, which is used to run a program, wherein the online payment method of the present application is executed when the program is run.
[0131] In one embodiment, a computer device is provided. The computer device may be a terminal, and its internal structure diagram may be as follows: Figure 5As shown. The computer device includes a processor A01, a network interface A02, a display screen A04, an input device A05 and a memory (not shown in the figure) connected via a system bus. Among them, the processor A01 of the computer device is used to provide computing and control capabilities. The memory of the computer device includes an internal memory A03 and a non-volatile storage medium A06. The non-volatile storage medium A06 stores an operating system B01 and a computer program B02. The internal memory A03 provides an environment for the operation of the operating system B01 and the computer program B02 in the non-volatile storage medium A06. The network interface A02 of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor A01, an online payment method of the present application is implemented. The display screen A04 of the computer device can be a liquid crystal display or an electronic ink display, and the input device A05 of the computer device can be a touch layer covered on the display screen, or a button, trackball or touchpad set on the computer device housing, or an external keyboard, touchpad or mouse, etc.
[0132] Those skilled in the art will understand that Figure 5 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.
[0133] In one embodiment, the online payment device provided by the present application can be implemented in the form of a computer program. The computer program can be used in Figure 5 The computer device shown in the figure is run on the computer device. The memory of the computer device can store various program modules constituting the online payment device of the present application, such as: Figure 4 The receiving request module, obtaining payment bitmap module, cashier push module, and payment process module shown in the figure are computer programs composed of various program modules, which enable the processor to execute the steps of the online payment method in various embodiments of the present application described in this specification.
[0134] Figure 5 The computer device shown can be Figure 4 The receiving request module in the online payment device of the present application performs step 201. The computer device can perform step 202 by obtaining the payment bitmap module. And so on.
[0135] An embodiment of the present application provides a device, which includes a processor, a memory, and a program stored in the memory and executable on the processor. When the processor executes the program, the online payment method steps of the present application are implemented.
[0136] The present application also provides a computer program product, which, when executed on a data processing device, is suitable for executing a program that initializes the steps of the online payment method of the present application.
[0137] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.
[0138] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.
[0139] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.
[0140] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.
[0141] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.
[0142] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.
[0143] Computer readable media include permanent and non-permanent, removable and non-removable media, and can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.
[0144] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.
[0145] The above are only embodiments of the present application and are not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included within the scope of the claims of the present application.
Claims
1. An online payment method, used for a payment platform management end, characterized in that: The online payment methods include: Receiving a payment request sent by a payment receiving merchant through a payment receiving terminal, wherein the payment request includes a payment receiving account number and payment receiving information; Determine a payment bitmap according to the configuration associated with the payment account and the payment terminal in the payment platform management end, wherein each digit in the payment bitmap corresponds to a different payment method, and the value of each digit in the payment bitmap indicates whether the payment method corresponding to the corresponding digit is supported; Generate a payment order according to the payment information, generate a cashier interface or a payment link of the payment order according to the payment bitmap, and send the cashier interface or the payment link to the payment terminal; and In response to the payment method selected by the payment terminal from the cashier interface, executing the payment process corresponding to the payment method; or Receive the payment result fed back by the payment link.
2. The method according to claim 1, characterized in that The payment terminal includes one or more of the following: a browser web terminal, a native APP terminal, an H5 web terminal, and a third-party payment platform applet terminal.
3. The method according to claim 1, characterized in that The payment methods include one or more of the following: WeChat payment, Alipay payment, bank card payment, digital RMB payment, Dragon Payment, third-party checkout counter payment, UnionPay payment, H5 wallet payment, UnionPay account payment, and corporate payment.
4. The method according to claim 3, characterized in that The third-party cashier payment can be one payment method or a combination of multiple payment methods.
5. The method according to claim 1, characterized in that The number of digits of the payment bitmap corresponding to different payment terminal types may be the same or different, and the number of digits of the payment bitmap is equal to the number of all payment methods that the corresponding payment terminal can support.
6. The method according to claim 5, characterized in that For the same payment terminal type, the number of digits in the payment bitmap of different payment merchants is the same.
7. The method according to claim 5 or 6, characterized in that: The cashier interface is used to display the payment methods that can be used for the current payment request, wherein the available payment methods are determined according to the values of each digit of the payment bitmap corresponding to the payment terminal used to send the payment request.
8. The method according to any one of claims 1 to 7, characterized in that Also includes: According to the request of the payment merchant, at the payment platform management end, at least one payment terminal used by the payment merchant and the configuration of the payment bitmap corresponding to each payment terminal are newly added, and / or the configuration of at least one payment terminal used by the payment merchant and the configuration of the payment bitmap corresponding to each payment terminal are modified.
9. An online payment method, used in a payment terminal, and interacting with a payment platform management terminal that executes the online payment method according to any one of claims 1 to 8, characterized in that: The online payment method for the payment terminal includes: Sending a payment request to the payment platform management terminal through the payment terminal; and receiving and displaying the cashier interface sent by the payment platform management end, selecting the payment method determined by the payer on the cashier interface, and feeding back the selected payment method to the payment platform management end, or Jump to the payment link sent by the payment platform management end, display the interface of the payment link and execute the corresponding payment process, and feedback the payment result of the payment link to the payment platform management end.
10. The method according to claim 9, characterized in that Also includes: Sending a new configuration request or a configuration modification request to the payment platform management end, wherein the new configuration request and the configuration modification request include at least one payment terminal used by the payment merchant and the payment method used in each payment terminal.
11. An online payment device, used for a payment platform management terminal, characterized in that: The online payment device comprises: a request receiving module, a payment bitmap obtaining module, a cashier push module and a payment process module, wherein: The request receiving module receives a payment request sent by a payment receiving merchant through a payment receiving terminal, wherein the payment request includes a payment receiving account number and payment receiving information; The payment bitmap acquisition module determines a payment bitmap according to the configuration associated with the payment account and the payment terminal in the payment platform management terminal, wherein each digit in the payment bitmap corresponds to a different payment method, and the value of each digit in the payment bitmap indicates whether the payment method corresponding to the corresponding digit is supported; The cashier push module generates a payment order according to the payment information, generates a cashier interface or a payment link of the payment order according to the payment bitmap, and sends the cashier interface or the payment link to the payment terminal; The payment process module executes the payment process corresponding to the payment method in response to the payment method selected by the payment terminal from the cashier interface; or receives the payment result fed back by the payment link.
12. The online payment device according to claim 11, characterized in that: It also includes a configuration module, which, based on the request of the payment merchant, adds the configuration of at least one payment terminal used by the payment merchant and the payment bitmap corresponding to each payment terminal on the payment platform management end, and / or modifies the configuration of at least one payment terminal used by the payment merchant and the payment bitmap corresponding to each payment terminal.
13. The online payment device according to claim 12, characterized in that: In the configuration module, for different payment terminal types, the number of bits of the configured payment bitmap can be the same or different, and the number of bits of the payment bitmap is equal to the number of all payment methods that the corresponding payment terminal can support.
14. The online payment device according to claim 13, characterized in that: In the configuration module, for the same payment terminal type, the number of digits of the payment bitmap configured for different payment merchants is the same.
15. The online payment device according to claim 12 or 13, characterized in that: In the cashier push module, the cashier interface includes payment methods that can be used for the current payment request, wherein the available payment methods are determined according to the values of each digit of the payment bitmap corresponding to the payment terminal used to send the payment request.
16. An online payment device, used for a payment terminal and interacting with the online payment device according to any one of claims 11 to 15, characterized in that: The online payment device of the payment terminal includes: a sending request module and a cashier module, wherein: The sending request module is configured to: send a payment request to the payment platform management terminal through the payment terminal; The cashier module is configured to: execute a first cashier process or a second cashier process, The first cashier process includes: Receive and display the cashier interface sent by the payment platform management terminal; On the cashier interface, select the payment method determined by the payer; Feedback the selected payment method to the payment platform management end, The second cashier process includes: Jump to the payment link sent by the payment platform management end; Display the interface of the payment link and execute the corresponding payment process; Feedback the payment result of the payment link to the payment platform management end.
17. The online payment device according to claim 16, characterized in that: The sending request module is also configured to: send a new configuration request or a modification configuration request to the payment platform management end, wherein the new configuration request and the modification configuration request include at least one payment terminal used by the payment merchant and the payment method used in each payment terminal.
18. A processor, characterized in that: The method is configured to: execute the online payment method according to any one of claims 1 to 10.
19. A machine-readable storage medium having instructions stored thereon, characterized in that: When the instruction is executed by a processor, the processor is configured to: execute the online payment method according to any one of claims 1 to 10.
20. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the computer program implements the online payment method according to any one of claims 1 to 10.