Payment method, system and device and storage medium

Abstract

The embodiment of the invention provides a payment method, system and device and a storage medium, and relates to the technical field of payment, and the method comprises the steps: obtaining a collection channel supported by a target object and currently stored configuration data in response to a query request carrying an object identifier of the target object, the configuration data comprises preset collection channels supported by the commodity transaction platform and priorities of the preset collection channels; according to the collection channels supported by the target object and the priority sequence of the preset collection channels, whether the target object supports the preset collection channels or not is judged in sequence, and when the judgment result is yes, the preset collection channel corresponding to the judgment result is determined as a target collection channel; and returning a collection channel identifier of the target collection channel to the client sending the query request, so that the client completes payment operation based on the target collection channel. By applying the scheme provided by the embodiment of the invention, the efficiency of modifying the collection channel of the commodity transaction platform can be improved.

Description

Technical Field

[0001] The present invention relates to the field of payment technology, and in particular to a payment method, system, device and storage medium. Background Art

[0002] Before the commodity trading platform goes online, the payment channels supported by the platform and their order will be set. For example, payment channel A will be used first, followed by payment channel B. Based on this, developers will write corresponding code based on the determined order of payment channels to implement the predetermined order of payment channel selection.

[0003] If a commodity trading platform needs to modify a payment channel, for example, adjust the order of payment channels or add a new payment channel, it is necessary to modify the code of the commodity trading platform to achieve this, which makes modifying the payment channel of the commodity trading platform inefficient. Summary of the Invention

[0004] The purpose of the embodiments of the present invention is to provide a payment method, system, device, and storage medium to improve the efficiency of modifying the payment channels of a commodity trading platform. The specific technical solution is as follows:

[0005] In a first aspect of an embodiment of the present invention, a payment method applied to a server is provided, the method comprising:

[0006] In response to a query request carrying an object identifier of a target object, obtaining payment channels supported by the target object and currently stored configuration data, wherein the target object is an object to be traded by a user on a commodity trading platform, and the configuration data includes: each preset payment channel supported by the commodity trading platform and the priority of each preset payment channel;

[0007] Based on the payment channels supported by the target object, and in accordance with the priority order of each preset payment channel, determining in sequence whether the target object supports each preset payment channel; if the judgment result is yes, determining the preset payment channel corresponding to the judgment result as the target payment channel;

[0008] Returning the payment channel identifier of the target payment channel to the client that sends the query request, so that the client completes the payment operation based on the target payment channel.

[0009] In one embodiment of the present invention, the step of determining, based on the payment channels supported by the target object and in accordance with the priority order of the preset payment channels, whether the target object supports each preset payment channel, and if the determination result is yes, determining the preset payment channel corresponding to the determination result as the target payment channel includes:

[0010] Determining the preset payment channel with the highest priority included in the configuration data as the payment channel to be selected;

[0011] Determining whether the payment channels supported by the target object include the payment channel to be selected;

[0012] If the judgment result is yes, the to-be-selected payment channel is determined as the target payment channel;

[0013] If the judgment result is no, the to-be-selected payment channel is updated to the remaining preset payment channel with the highest priority, and the process returns to the step of determining whether the payment channels supported by the target object include the to-be-selected payment channel, wherein the remaining preset payment channels are preset payment channels included in the configuration data that do not belong to the historical to-be-selected payment channels.

[0014] In one embodiment of the present invention, the configuration data is generated in the following manner:

[0015] Acquire various preset payment channels supported by the commodity trading platform and the priorities of the various preset payment channels set by the user; and generate configuration data according to the various preset payment channels and their priorities.

[0016] In one embodiment of the present invention, the configuration data is adjusted in the following manner:

[0017] Acquire a new payment channel supported by the commodity trading platform and a priority of the new payment channel set by the user, and add the new payment channel and its priority to the configuration data;

[0018] and / or

[0019] Acquire a user's adjustment operation on the priority of each preset payment channel supported by the commodity trading platform, and update the priority of each preset payment channel supported by the commodity trading platform according to the adjustment operation.

[0020] In a second aspect of an embodiment of the present invention, a payment method applied to a client is further provided, the method comprising:

[0021] In response to a user's operation of trading a target object on a commodity trading platform, a query request carrying the object identifier of the target object is sent to a server, so that the server determines, in order of priority of each preset payment channel, whether the target object supports each preset payment channel based on the payment channels supported by the target object and currently stored configuration data. If the judgment result is yes, the preset payment channel corresponding to the judgment result is determined as the target payment channel, wherein the configuration data includes: each preset payment channel supported by the commodity trading platform and the priority of each preset payment channel;

[0022] Receive the payment channel identifier of the target payment channel returned by the server, and complete the payment operation based on the target payment channel.

[0023] In a third aspect of an embodiment of the present invention, a payment system is further provided, comprising a client and a server:

[0024] The client is configured to send a query request carrying an object identifier of the target object to the server in response to a user's operation of trading a target object on the commodity trading platform;

[0025] The server is configured to, in response to the query request, obtain payment channels supported by the target object and currently stored configuration data, wherein the target object is an object to be traded by a user on a commodity trading platform, and the configuration data includes: various preset payment channels supported by the commodity trading platform and the priority of each preset payment channel; based on the payment channels supported by the target object, in accordance with the priority order of each preset payment channel, determine in sequence whether the target object supports each preset payment channel; if the judgment result is yes, determine the preset payment channel corresponding to the judgment result as the target payment channel; and return the payment channel identifier of the target payment channel to the client;

[0026] The client is further configured to complete a payment operation based on the target payment channel after receiving the payment channel identifier of the target payment channel.

[0027] In one embodiment of the present invention, the server is specifically configured to determine the preset payment channel with the highest priority included in the configuration data as a to-be-selected payment channel; determine whether the payment channels supported by the target object include the to-be-selected payment channel; if the determination result is yes, determine the to-be-selected payment channel as the target payment channel; if the determination result is no, update the to-be-selected payment channel to the remaining preset payment channel with the highest priority, and return to the step of determining whether the payment channels supported by the target object include the to-be-selected payment channel, wherein the remaining preset payment channels are preset payment channels included in the configuration data that are not historical to-be-selected payment channels;

[0028] In one embodiment of the present invention, the server is specifically configured to obtain various preset payment channels supported by the commodity trading platform and the priorities of the various preset payment channels set by the user; and generate configuration data based on the various preset payment channels and their priorities;

[0029] In one embodiment of the present invention, the server is specifically configured to obtain a new payment channel supported by the commodity trading platform and a priority of the new payment channel set by the user, and add the new payment channel and its priority to the configuration data;

[0030] In one embodiment of the present invention, the server is specifically used to obtain the user's adjustment operation on the priority of each preset payment channel supported by the commodity trading platform, and update the priority of each preset payment channel supported by the commodity trading platform according to the adjustment operation.

[0031] In a fourth aspect of an embodiment of the present invention, a payment device applied to a server is further provided, the device comprising:

[0032] a first acquisition module, configured to, in response to a query request carrying an object identifier of a target object, acquire object information of the target object and current configuration data, wherein the target object is an object to be purchased by a user on a commodity trading platform, and the configuration data includes: various preset payment channels supported by the commodity trading platform and the priority of each preset payment channel;

[0033] a target payment channel determination module, configured to determine, based on the payment channels supported by the target object and in accordance with the priority order of the preset payment channels, whether the target object supports each preset payment channel; if the determination result is yes, determining the preset payment channel corresponding to the determination result as the target payment channel;

[0034] The payment channel identifier sending module returns the payment channel identifier of the target payment channel to the client that sends the query request, so that the client completes the payment operation based on the target payment channel.

[0035] In a fifth aspect of an embodiment of the present invention, a payment device applied to a client is further provided, the device comprising:

[0036] a query request sending module, configured to, in response to a user's operation of purchasing a target object on a commodity trading platform, send a query request carrying an object identifier of the target object to the server, so that the server determines, based on the payment channels supported by the target object and currently stored configuration data, in order of priority of each preset payment channel, whether the target object supports each preset payment channel; and if the judgment result is yes, determining the preset payment channel corresponding to the judgment result as the target payment channel, wherein the configuration data includes: each preset payment channel supported by the commodity trading platform and the priority of each preset payment channel;

[0037] The payment operation completion module is used to receive the payment channel identifier of the target payment channel returned by the server and complete the payment operation based on the target payment channel.

[0038] In a sixth aspect of an embodiment of the present invention, a server is provided, comprising a processor, a communication interface, a memory, and a communication bus, wherein the processor, the communication interface, and the memory communicate with each other via the communication bus;

[0039] Memory for storing computer programs;

[0040] The processor is configured to implement any of the methods described in the first aspect when executing a program stored in the memory.

[0041] In a seventh aspect of an embodiment of the present invention, a client is further provided, comprising a processor, a communication interface, a memory, and a communication bus, wherein the processor, the communication interface, and the memory communicate with each other via the communication bus;

[0042] Memory for storing computer programs;

[0043] The processor is configured to implement any of the methods described in the second aspect when executing a program stored in the memory.

[0044] In another aspect of the present invention, a computer-readable storage medium is provided, wherein a computer program is stored in the computer-readable storage medium. When the computer program is executed by a processor, the payment method described in any one of the first and second aspects is implemented.

[0045] In another aspect of the present invention, a computer program product comprising instructions is provided, which, when executed on a computer, enables the computer to execute the payment method described in any one of the first and second aspects.

[0046] In the solution provided by the embodiment of the present invention, each preset payment channel and the priority of each preset payment channel are configured to obtain configuration data. On this basis, according to the payment channels supported by the target object to be traded and the configuration data, the priority of each preset payment channel is ordered from large to small to determine whether the target object supports each preset payment channel. When the judgment result is yes, the preset payment channel corresponding to the judgment result is determined as the target payment channel, and then the payment is completed based on the target payment channel. In the above solution, if it is necessary to add a new payment channel or adjust the priority order of the existing payment channel, it is only necessary to add the new preset payment channel and its priority in the configuration data or adjust the priority of the existing preset payment channel in the configuration data. There is no need to modify the underlying code of the commodity trading platform, which improves the efficiency of modifying the payment channel of the commodity trading platform. BRIEF DESCRIPTION OF THE DRAWINGS

[0047] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for describing the embodiments or the prior art.

[0048] Figure 1 A schematic diagram of a payment method applied to a server provided in an embodiment of the present invention;

[0049] Figure 2 A flowchart of a method for determining a target payment collection channel provided in an embodiment of the present invention;

[0050] Figure 3 A schematic diagram of a flow chart of a method for generating configuration data provided in an embodiment of the present invention;

[0051] Figure 4 A schematic diagram of a configuration interface provided in an embodiment of the present invention;

[0052] Figure 5 A schematic diagram of another configuration interface provided in an embodiment of the present invention;

[0053] Figure 6 A schematic diagram of a flow chart of a method for adding configuration data provided in an embodiment of the present invention;

[0054] Figure 7 A flowchart of a method for adjusting configuration data provided in an embodiment of the present invention;

[0055] Figure 8A schematic diagram of a payment method applied to a client provided in an embodiment of the present invention;

[0056] Figure 9 A schematic diagram of the structure of a payment system provided in an embodiment of the present invention;

[0057] Figure 10 This is a schematic diagram of the structure of a payment device applied to a server provided in an embodiment of the present invention;

[0058] Figure 11 A schematic diagram of the structure of a payment device applied to a client provided in an embodiment of the present invention;

[0059] Figure 12 A schematic diagram of the structure of a server provided in an embodiment of the present invention;

[0060] Figure 13 A schematic diagram of the structure of a client provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0061] The technical solutions in the embodiments of the present invention will be described below with reference to the accompanying drawings in the embodiments of the present invention.

[0062] In order to improve the efficiency of modifying the payment channels of a commodity trading platform, an embodiment of the present invention provides a payment method, system, device, server, client, computer-readable storage medium and computer program product. The payment method provided by an embodiment of the present invention is first introduced below.

[0063] like Figure 1 As shown, Figure 1 This is a flow chart of a payment method applied to a server provided in an embodiment of the present invention. The payment method includes:

[0064] S101: In response to a query request carrying an object identifier of a target object, obtaining payment channels supported by the target object and currently stored configuration data.

[0065] The target object is the object that the user wants to trade on the commodity trading platform, and the configuration data includes: various preset payment channels supported by the commodity trading platform and the priority of each preset payment channel.

[0066] S102: Based on the payment channels supported by the target object, determine in order of priority whether the target object supports each preset payment channel. When the judgment result is yes, determine the preset payment channel corresponding to the judgment result as the target payment channel.

[0067] S103: Returning the payment channel identifier of the target payment channel to the client that sent the query request, so that the client completes the payment operation based on the target payment channel.

[0068] In the solution provided by the embodiment of the present invention, each preset payment channel and the priority of each preset payment channel are configured to obtain configuration data. On this basis, according to the payment channels supported by the target object to be traded and the configuration data, the priority of each preset payment channel is ordered from large to small to determine whether the target object supports each preset payment channel. When the judgment result is yes, the preset payment channel corresponding to the judgment result is determined as the target payment channel, and then the payment is completed based on the target payment channel. In the above solution, if it is necessary to add a new payment channel or adjust the priority order of the existing payment channel, it is only necessary to add the new preset payment channel and its priority in the configuration data or adjust the priority of the existing preset payment channel in the configuration data. There is no need to modify the underlying code of the commodity trading platform, which improves the efficiency of modifying the payment channel of the commodity trading platform.

[0069] When a user selects an object on a commodity trading platform of a client and submits an order request for trading the object, the client generates a query request carrying the object identifier of the object and sends the query request to the server.

[0070] For example, when a user selects product A (ie, the object is product A) on the client's product trading platform and submits an order request for trading product A, the client generates a query request carrying the product identifier of product A and sends the query request to the server.

[0071] After receiving the query request from the client, the server can determine the target object based on the object identifier carried in the query request, and then search the pre-stored collection channels supported by each object for the corresponding payment channel. The payment channel refers to the recipient of funds during the transaction.

[0072] In one embodiment, the server can store, for each object, the correspondence between the object identifier of the object and the payment channels supported by the object. In this way, after receiving the query request sent by the client, the server can directly determine the payment channels supported by the target object based on the object identifier of the target object carried in the query request.

[0073] In another embodiment, the server can uniformly store the payment channels supported by the merchant for objects belonging to the same merchant. In this way, after receiving the query request sent by the client, the server can first determine the merchant to which the target object belongs based on the object identifier of the target object carried in the query request, and then use the payment channels supported by the merchant as the payment channels supported by the target object.

[0074] In addition, after receiving the query request, the server can also obtain the currently stored configuration data, which includes: various preset payment channels supported by the commodity trading platform and the priority of each preset payment channel.

[0075] It's important to note that the relationship between "payment channels supported by the subject" and "payment channels supported by the commodity trading platform" is as follows: a payment channel supported by the subject refers to at least one payment channel connected to the subject, in addition to the payment channels supported by the commodity trading platform. For example, if the commodity trading platform supports payment channels A, B, and C, the subject can select at least one payment channel supported by the platform for connection (assuming the subject has connected to Channel A). In this case, the payment channel supported by the subject is Channel A.

[0076] On the other hand, the preset payment channels and their priorities included in the configuration data can be updated in real time based on actual usage requirements. For example, the previous configuration data included payment channels 1 and 2, with payment channel 2 having a priority of 2 and payment channel 1 having a priority of 1. Based on current usage requirements, payment channel 3 is added to the configuration data with a priority of 3. Therefore, in order to ensure the accuracy of subsequent judgment results, the current configuration data needs to be updated. The method for generating configuration data in the embodiments of the present invention, as well as the method for adjusting the priority of preset payment channels or adding preset payment channels by modifying configuration data, can be found in subsequent embodiments and will not be described in detail here.

[0077] As can be seen from the previous description, the priorities corresponding to the above-mentioned preset payment channels are different. After obtaining the payment channels supported by the object and the current configuration data, the server can determine whether the target object supports each preset payment channel in order from the highest priority to the lowest priority. When the judgment result obtained by executing the judgment step for a preset payment channel is yes, the server can determine the preset payment channel (that is, the preset payment channel corresponding to the judgment result) as the target payment channel. When the judgment result obtained by executing the judgment step for a preset payment channel is no, the server can continue to determine whether the target object supports the preset payment channel of the next priority in order from the highest priority to the lowest priority.

[0078] The specific method by which the server determines in turn whether the target object supports each preset payment channel can be found in subsequent embodiments and will not be described in detail here.

[0079] Once the server determines the target payment channel, it can send the target payment channel's payment channel identifier to the client. The client can then complete the payment operation based on the server's payment channel identifier. For example, the client can send a payment request to the payment center containing the target payment channel's payment channel identifier, and then complete the payment operation through interaction with the payment center. The specific method for the client to complete the payment operation based on the payment channel can be found in existing payment processes and is not specifically defined here.

[0080] In the solution provided by the embodiment of the present invention, each preset payment channel and the priority of each preset payment channel are configured to obtain configuration data. On this basis, according to the payment channel of the target object to be traded and the configuration data, the priority of each preset payment channel is ordered from large to small to determine whether the target object supports each preset payment channel. When the judgment result is yes, the preset payment channel corresponding to the judgment result is determined as the target payment channel, and then the payment is completed based on the target payment channel. In the above solution, if it is necessary to add a new payment channel or adjust the priority order of the existing payment channel, it is only necessary to add the new preset payment channel and its priority in the configuration data or adjust the priority of the existing preset payment channel in the configuration data. There is no need to modify the underlying code of the commodity trading platform, thereby improving the flexibility of modifying the payment channel of the commodity trading platform.

[0081] See also Figure 2 In one embodiment of the present invention, a flow chart of a method for determining a target payment channel is provided. The method includes the following steps S201-S204.

[0082] S201: Determine the preset payment channel with the highest priority included in the configuration data as the payment channel to be selected.

[0083] After obtaining the current configuration data, the server may determine the preset payment channel with the highest priority included in the configuration data in descending order of priority as the payment channel to be selected for subsequent judgment.

[0084] S202: Based on the payment channels supported by the target object, determine whether the target object supports the selected payment channel. If so, proceed to step S203; if not, proceed to step S204. The server can determine whether the target object supports the selected payment channel by determining whether the payment channels supported by the target object include the selected payment channel. If so, the server can proceed to step S203; if not, proceed to step S204.

[0085] In one embodiment, the payment channels supported by an object can be stored in the form of a "correspondence between an object identifier and the payment channels supported by the object." Based on this, after obtaining the object identifier carried in a query request, the server can search for the payment channel corresponding to the object identifier in the aforementioned correspondence. Furthermore, by determining whether the found payment channels include the selected payment channel, the server can determine whether the target object supports the selected payment channel.

[0086] For example, the server may store the correspondence between the object identifiers and the payment channels supported by the objects shown in Table 1. When the server obtains the object identifier "Object 1" carried in the query request, it may search for the payment channels corresponding to "Object 1" from the correspondence shown in Table 1, namely, the three payment channels of Payment Channel 1, Payment Channel 2, and Payment Channel 3. When the payment channel to be selected determined in step S201 above is Payment Channel 1, because the payment channels found include Payment Channel 1, it can be determined that the target object with the object identifier "Object 1" supports the payment channels to be selected, that is, the judgment result of step S202 is yes, and step S203 is executed.

[0087] Table 1

[0088]

[0089] In another embodiment, the payment channels supported by the object may include: the data field of the payment channel to which the object is connected, the data field may include: the attribute value and actual value of the payment channel, and the configuration data may specifically include: the activation conditions of each preset payment channel, and the activation conditions include: the attribute value and condition value of the preset payment channel.

[0090] For example, when the object successfully connects to payment channel 1, the data field corresponding to payment channel 1 can be added. In this data field, the attribute value of payment channel 1 is: skqu1_mcht_status, and the current real value of the attribute value is 0 (indicating that the connection is successful but the application is not successfully submitted). When the object further successfully submits the application based on the successful connection to payment channel 1, the real value of the data field corresponding to payment channel 1 can be modified to 1. Accordingly, when the preset payment channels in the configuration data include payment channel 1, the activation condition of payment channel 1 can include the attribute value of payment channel 1 (skqu1_mcht_status) and the conditional value (1) of the attribute value.

[0091] In this case, when the server determines whether the target object supports the selected payment channel based on the payment channels supported by the target object, it can specifically do the following: the server can first obtain the activation conditions of the selected payment channel from the configuration data, which include the attribute values and condition values of the selected payment channel. Based on this, the server can determine the target data field whose attribute values are the same as the attribute values of the selected payment channel from the various data fields of the payment channels supported by the target object, and then determine whether the target object supports the selected payment channel by determining whether the actual value of the target data field is the same as the condition value of the selected payment channel. The above process of determining the target data field and determining whether the actual value is the same as the condition value can be implemented through reflection technology.

[0092] For example, the target object's payment channel is payment channel 1 but the application is not successfully submitted, so the target object's object information will include the data field "skqu1_mcht_status=0". The activation condition of the payment channel to be selected included in the configuration data is "skqu1_mcht_status=1".

[0093] On this basis, when the server judges whether the target object supports the selected payment channel based on the payment channels supported by the target object, it can specifically do as follows: first obtain the activation condition "skqu1_mcht_status=1" of the selected payment channel from the configuration data, and then the server can determine the target data field whose attribute value is the same as the attribute value of the selected payment channel from each data field of the payment channels supported by the target object (that is, skqu1_mcht_status=0). Because the actual value of the target data field is 0, and the conditional value of the selected payment channel is 1, the two are not the same, so the server can determine that the target object does not support the selected payment channel.

[0094] S203: Determine the to-be-selected payment channel as the target payment channel.

[0095] When the judgment result of step S202 is yes, that is, when the server determines that the target object supports the selected payment channel, it can determine the selected payment channel as the target payment channel, and then the server can continue to execute step S104 to send the payment channel identifier of the target payment channel to the client, so that the client completes the payment operation based on the target payment channel.

[0096] S204: Update the to-be-selected payment channel to the remaining preset payment channel with the highest priority, and return to step S202.

[0097] Because there are multiple preset payment channels, and the object may not necessarily support the highest-priority preset payment channel, if the judgment result in step S202 is negative, the server can identify the preset payment channels included in the configuration data that are not among the previously selected payment channels and set them as the remaining preset payment channels. The server can then further select the highest-priority preset payment channel from the remaining preset payment channels, and then update the selected preset payment channel to the selected preset payment channel. The server then returns to step S202 to continue the judgment operation.

[0098] For example, the preset payment channels in the configuration data may include payment channel 1, payment channel 2 and payment channel 3, with payment channel 3 having the highest priority, payment channel 2 second, and payment channel 1 having the lowest priority. When the judgment result for payment channel 3 is no, payment channel 2 is updated to the payment channel to be selected, and the process returns to the above step S202 to continue the judgment operation.

[0099] It should be noted here that, in one embodiment, in addition to including each preset payment channel, the configuration data may further include a default payment channel. When the server's judgment result for each preset payment channel in the configuration data is no, the server may determine the default payment channel as the target payment channel.

[0100] For example, the preset payment channels in the configuration data may include payment channel 1 and payment channel 2. In addition, the configuration data also includes a default payment channel, payment channel 3. When the server's judgment results for payment channel 1 and payment channel 2 are both negative, payment channel 3 can be used as the target payment channel.

[0101] As can be seen from the above, in the solution provided by the embodiments of the present invention, the server can determine whether the target object supports each preset payment channel based on the payment channels supported by the target object and the configuration data, in descending order of priority of each preset payment channel. If the judgment result is yes, the preset payment channel corresponding to the judgment result is determined as the target payment channel, so that the client completes the payment based on the target payment channel. In this way, the server can automatically filter out the most suitable payment channel based on the priority of the preset payment channels according to the object information and configuration data, thereby improving transaction efficiency and accuracy. In addition, if the judgment result for each preset payment channel is no, the server can also determine the default payment channel as the target payment channel, thereby ensuring the completion of the transaction.

[0102] In one embodiment of the present invention, see Figure 3 , provides a flow chart of a method for generating configuration data, the method comprising the following steps S301-S302.

[0103] S301: Acquire various preset payment channels supported by the commodity trading platform set by the user and the priority of each preset payment channel.

[0104] In one embodiment, when the configuration data is stored via the aforementioned “data field”, the server may perform step S301 in the following manner:

[0105] When the server obtains the user's configuration data generation instruction (for example, clicking the configuration button in the interface displayed by the server), it can display Figure 4 The configuration interface shown may include: a payment channel setting component, an enabling condition setting component, and a priority setting component.

[0106] Users can use the payment channel setting component to set a corresponding preset payment channel. For example, they can select a preset payment channel from existing payment channels or enter a new payment channel as the preset payment channel. After setting a preset payment channel, users can further use the activation condition setting component to set corresponding activation conditions for the preset payment channel; and further use the priority setting component to set the corresponding priority for the preset payment channel.

[0107] like Figure 4 As shown, the preset payment channels set by the user based on the payment channel setting component are payment channel 1, payment channel 2 and payment channel 3. The activation condition of payment channel 1 set by the user based on the activation condition setting component is skqu1_mcht_status=1, the activation condition of payment channel 2 is skqu2_mcht_status=1, and the activation condition of payment channel 3 is skqu3_mcht_status=1. The priority of payment channel 1 set by the user based on the priority setting component is 3, the priority of payment channel 2 is 2, and the priority of payment channel 3 is 1.

[0108] In another embodiment, when the configuration data is stored using the above-mentioned "correspondence relationship", the server may perform step S301 in the following manner:

[0109] When the server obtains the user's configuration data generation instruction (for example, clicking the configuration button in the interface displayed by the server), the configuration interface will be displayed, which may include: a payment channel setting component and a priority setting component.

[0110] Users can use the payment channel setting component to set a corresponding preset payment channel. For example, they can select a preset payment channel from existing payment channels or enter a new payment channel as the preset payment channel. After setting the preset payment channel, users can further use the priority setting component to set the corresponding priority for the preset payment channel.

[0111] S302: Generate configuration data based on each preset payment channel and its priority.

[0112] Corresponding to the above-mentioned implementation method of storing configuration data through "data fields", after the server obtains the preset payment channels set by the user and their activation conditions and priorities, it can generate data fields for each preset payment channel based on the preset payment channels and their activation conditions and priorities to obtain configuration data.

[0113] For example, based on payment channel 1 and its activation conditions and priority, the data fields of payment channel 1 ""payment_channel":"payment channel 1","skqu1_mcht_status":1,"priority":3" are generated; based on payment channel 2 and its activation conditions and priority, the data fields of payment channel 2 ""payment_channel":"payment channel 2","skqu2_mcht_status":1,"priority":2" are generated; based on payment channel 3 and its activation conditions and priority, the data fields of payment channel 3 ""payment_channel":"payment channel 3","skqu3_mcht_status":1,"priority":1" are generated.

[0114] Corresponding to the above-mentioned implementation method of storing configuration data through "correspondence", after obtaining the preset payment channels and their priorities set by the user, the server can store the correspondence between the preset payment channels and their priorities to obtain configuration data.

[0115] For example, when the preset payment channels set by the user based on the payment channel setting component are payment channel 1, payment channel 2 and payment channel 3, and the priority of payment channel 1 set by the user based on the priority setting component is 3, the priority of payment channel 2 is 2, and the priority of payment channel 3 is 1, the server can obtain the configuration data by storing the correspondence between the preset payment channels and priorities shown in Table 2.

[0116] Table 2

[0117] Preset payment channels Priority Payment channel 1 3 Payment channel 2 2 Payment channel 3 1

[0118] It should be noted that in addition to setting the preset payment channels and their activation conditions and priorities according to the above-mentioned setting components, users can also set the default payment channels and their priorities according to the above-mentioned setting components. Specifically:

[0119] In addition to executing the above step S301 to obtain each preset payment channel supported by the commodity trading platform set by the user and the priority of each preset payment channel, the server can also obtain the default payment channel set by the user and the priority of the default payment channel.

[0120] like Figure 5 As shown, Figure 5 This is a schematic diagram of another configuration interface provided in an embodiment of the present invention. The user sets the preset payment channels as payment channel 1 and payment channel 2. The user sets the activation condition for payment channel 1 as skqu1_mcht_status=1 and the activation condition for payment channel 2 as skqu2_mcht_status=1. The user sets the priority of payment channel 1 as 3 and the priority of payment channel 2 as 2. In addition, the user sets the default payment channel as payment channel 3, and the priority of the activation condition for payment channel 3 is set to 1.

[0121] Accordingly, when the server generates configuration data, it specifically generates configuration data according to the preset payment channels and their activation conditions and priorities, as well as the default payment channels and their priorities.

[0122] As can be seen from the above, the solution provided in the embodiment of the present invention configures the above-mentioned preset payment channels and their activation conditions and priorities to generate configuration data. In this way, when it is necessary to add new payment channels or adjust the priority order of existing payment channels, it is only necessary to add new preset payment channels and their priorities to the configuration data or adjust the priorities of existing preset payment channels in the configuration data. There is no need to modify the underlying code of the commodity trading platform, which improves the flexibility of modifying the payment channels of the commodity trading platform and thus improves efficiency.

[0123] The following will introduce the method of adjusting configuration data in an embodiment of the present invention from two aspects: "adding a new payment channel" and "adjusting the priority of an existing payment channel".

[0124] For "new payment channels", the server can obtain the new payment channels supported by the commodity trading platform set by the user and the priority of the new payment channels, and add the new payment channels and their priorities to the configuration data.

[0125] In one possible implementation, when the configuration data is stored in the above-mentioned "data field", the server can add configuration data in the following ways, such as Figure 6 As shown, Figure 6 A schematic diagram of a process for adding configuration data provided in an embodiment of the present invention includes the following steps S601-S602:

[0126] S601: Obtain the preset payment channels newly added by the user based on the payment channel setting component, the enabling conditions of the newly added preset payment channels set based on the enabling condition setting component, and the priority of the newly added preset payment channels set based on the priority setting component.

[0127] Based on the above payment channel setting component, users can add corresponding preset payment channels. For example, in the configuration interface, select the newly added preset payment channel to add to the existing payment channels, or enter the newly added preset payment channel.

[0128] After adding a preset payment channel, the user can further set the corresponding activation conditions for the newly added preset payment channel based on the above-mentioned startup condition setting component; and further set the corresponding priority for the newly added preset payment channel based on the above-mentioned priority setting component.

[0129] S602: Add the newly added preset payment channel and its activation conditions and priority to the configuration data.

[0130] Correspondingly, when the configuration data is stored in the form of data fields, the server can generate a data field corresponding to the newly added preset payment channel based on the newly added preset payment channel and its activation conditions and priority, and then add the data field to the original configuration data to update the original configuration data.

[0131] In another possible implementation, when the configuration data is stored using the above-mentioned “correspondence”, the server may add configuration data in the following manner:

[0132] Get the priority of the newly added preset payment channels based on the payment channel setting component and the priority of the newly added preset payment channels set by the priority setting component, generate the correspondence between the newly added preset payment channels and their priorities based on the newly added preset payment channels and priorities, and then add the correspondence to the original configuration data to update the original configuration data.

[0133] As can be seen from the above, new preset payment channels can be added by adding new preset payment channels and their priorities in the configuration data without modifying the underlying code of the commodity trading platform, which increases the flexibility of modifying the payment channels of the commodity trading platform and thus improves efficiency.

[0134] For "adjusting the priority of existing payment channels", the server can obtain the user's adjustment operation for the priority of each preset payment channel supported by the commodity trading platform, and update the priority of each preset payment channel supported by the commodity trading platform based on the adjustment operation. Specifically:

[0135] like Figure 7 As shown, Figure 7 A flowchart of a method for adjusting configuration data provided by an embodiment of the present invention includes the following steps S701-S702:

[0136] S701: Obtain the target priority of each preset payment channel included in the configuration data adjusted by the user based on the priority setting component.

[0137] Based on the above priority setting component, the user can adjust the priority of each preset payment channel included in the configuration data to obtain the adjusted target priority of each preset payment channel.

[0138] For example, users can Figure 4 In the configuration interface shown, the priority of each preset payment channel is adjusted. Specifically, the priority of payment channel 1 is adjusted to 2, the priority of payment channel 2 is adjusted to 1, and the priority of payment channel 3 is adjusted to 3.

[0139] S702: Update the priority of each preset payment channel included in the configuration data according to the target priority.

[0140] After obtaining the target priorities of the various preset payment collection channels set by the user, the server may update the priorities of the various preset payment collection channels included in the configuration data to the target priorities.

[0141] Continue Figure 3 In the example shown in the embodiment and the distance of the priority adjustment operation, the adjusted priorities of payment channels 1, 2, and 3 are 2, 1, and 3 respectively.

[0142] If the configuration data is stored via "data fields", the server can update the data field of payment channel 1 to ""payment_channel":"payment channel 1","skqu1_mcht_status":1,"priority":2", and the data field of payment channel 2 to ""payment_channel":"payment channel 2","skqu2_mcht_status":1,"priority":1", and the data field of payment channel 3 to ""payment_channel":"payment channel 3","skqu3_mcht_status":1,"priority":3".

[0143] If the configuration data is stored through "correspondence", the server can update the corresponding relationship between the preset payment channels and priorities to obtain Figure 3 The correspondence between the preset payment channels and priorities is shown.

[0144] Table 3

[0145] Preset payment channels Priority Payment channel 1 2 Payment channel 2 1 Payment channel 3 3

[0146] As can be seen from the above, the order of determining preset payment channels can be switched by adjusting the priority of the existing preset payment channels in the configuration data. This does not require modifying the underlying code of the commodity trading platform, thereby increasing the flexibility of modifying the payment channels of the commodity trading platform and thus improving efficiency.

[0147] In one embodiment of the present invention, see Figure 8 , provides a flow chart of a payment method applied to a client, the method comprising the following steps S801-S802.

[0148] S801: In response to the user's operation of trading the target object on the commodity trading platform, a query request carrying the object identifier of the target object is sent to the server, so that the server can judge whether the target object supports each preset payment channel in turn according to the payment channels supported by the target object and the currently stored configuration data, in accordance with the priority order of each preset payment channel. When the judgment result is yes, the preset payment channel corresponding to the judgment result is determined as the target payment channel.

[0149] When a user selects an object on the client's commodity trading platform and submits an order request to trade the object, the client will respond to the user's order request, generate a query request carrying the object identifier of the target object, and send the query request to the server, so that the server returns the payment channel identifier of the target payment channel based on the query request.

[0150] The specific manner in which the server returns the payment channel identifier of the target payment channel based on the query request has been described in detail in the aforementioned embodiment and will not be repeated here.

[0151] S802: Receive the payment channel identifier of the target payment channel returned by the server, and complete the payment operation based on the target payment channel.

[0152] After receiving the payment channel identifier of the target payment channel sent by the server, the client can generate a corresponding payment request based on the payment channel identifier of the target payment channel and the information of the product to be purchased, and send the above payment request to the payment center. The payment center verifies the transaction data based on the above payment request and completes the payment operation through interaction with the client.

[0153] For example, when a user submits an order request for a transaction object on a commodity trading platform, the client will display a payment method selection interface to allow the user to choose to pay using payment methods such as WeChat Pay and Alipay.

[0154] After the user determines the payment method, the client will send a query request to the server so that the server returns the payment channel identifier of the target payment channel. On this basis, the client can generate a corresponding payment request based on the payment channel identifier of the target payment channel and the object information of the object to be traded, and send the payment request to the payment center of the payment method selected by the user, so that the payment center completes the payment operation based on the target payment channel determined by the server.

[0155] As can be seen from the above, in the solution provided by the embodiment of the present invention, each preset payment channel and the priority of each preset payment channel are configured to obtain configuration data. On this basis, according to the payment channel of the target object and the configuration data, in descending order of the priority of each preset payment channel, it is judged whether the target object supports each preset payment channel. When the judgment result is yes, the preset payment channel corresponding to the judgment result is determined as the target payment channel, and then the payment is completed based on the target payment channel. In the above solution, if it is necessary to add a new payment channel or adjust the priority order of the existing payment channel, it is only necessary to add the new preset payment channel and its priority in the configuration data or adjust the priority of the existing preset payment channel in the configuration data. There is no need to modify the underlying code of the commodity trading platform, thereby improving the flexibility of modifying the payment channel of the commodity trading platform.

[0156] Corresponding to the payment methods applied to the server and client above, see Figure 9 , an embodiment of the present invention further provides a payment system, the system comprising a client and a server:

[0157] The client 901 is configured to send a query request carrying an object identifier of a target object to a server in response to a user's operation of trading a target object on a commodity trading platform;

[0158] Server 902 is configured to, in response to a query request, obtain payment channels supported by a target object and currently stored configuration data, wherein the target object is an object to be traded by a user on the commodity trading platform, and the configuration data includes: various preset payment channels supported by the commodity trading platform and the priority of each preset payment channel; determine, based on the payment channels supported by the target object and in order of priority of each preset payment channel, whether the target object supports each preset payment channel; if the determination result is yes, determine the preset payment channel corresponding to the determination result as the target payment channel; and return the payment channel identifier of the target payment channel to the client;

[0159] The client 901 is further configured to complete the payment operation based on the target payment channel after receiving the payment channel identifier of the target payment channel.

[0160] In the solution provided by the embodiment of the present invention, each preset payment channel and the priority of each preset payment channel are configured to obtain configuration data. On this basis, according to the payment channels supported by the target object and the configuration data, in descending order of the priority of each preset payment channel, it is judged whether the target object supports each preset payment channel. When the judgment result is yes, the preset payment channel corresponding to the judgment result is determined as the target payment channel, and then the payment is completed based on the target payment channel. In the above solution, if it is necessary to add a new payment channel or adjust the priority order of the existing payment channel, it is only necessary to add the new preset payment channel and its priority in the configuration data or adjust the priority of the existing preset payment channel in the configuration data. There is no need to modify the underlying code of the commodity trading platform, which improves the efficiency of modifying the payment channels of the commodity trading platform.

[0161] In one embodiment of the present invention, the server is specifically used to determine the preset payment channel with the highest priority included in the configuration data as the payment channel to be selected; determine whether the payment channels supported by the target object include the payment channel to be selected; if the judgment result is yes, determine the payment channel to be selected as the target payment channel; if the judgment result is no, update the payment channel to be selected to the remaining preset payment channel with the highest priority, and return to the step of determining whether the payment channels supported by the target object include the payment channel to be selected, wherein the remaining preset payment channels are the preset payment channels included in the configuration data and do not belong to the historical payment channels to be selected.

[0162] In one embodiment of the present invention, the server is specifically configured to obtain each preset payment channel supported by the commodity trading platform set by the user and the priority of each preset payment channel; and generate configuration data according to each preset payment channel and its priority.

[0163] In one embodiment of the present invention, the server is specifically configured to obtain a new payment channel supported by the commodity trading platform set by the user and a priority of the new payment channel, and add the new payment channel and its priority to the configuration data.

[0164] In one embodiment of the present invention, it is specifically used to obtain the user's adjustment operation on the priority of each preset payment channel supported by the commodity trading platform, and update the priority of each preset payment channel supported by the commodity trading platform according to the adjustment operation.

[0165] Corresponding to the payment method applied to the server above, see Figure 10 , an embodiment of the present invention provides a schematic diagram of a payment device applied to a server, the device comprising:

[0166] A first acquisition module 1001 is configured to, in response to a query request carrying an object identifier of a target object, acquire object information of the target object and current configuration data, wherein the target object is an object to be purchased by a user on the commodity trading platform, and the configuration data includes: various preset payment channels supported by the commodity trading platform and the priority of each preset payment channel;

[0167] The target payment channel determination module 1002 is configured to determine, based on the payment channels supported by the target object and in accordance with the priority order of each preset payment channel, whether the target object supports each preset payment channel. If the determination result is yes, the preset payment channel corresponding to the determination result is determined as the target payment channel.

[0168] The payment channel identifier sending module 1003 is used to return the payment channel identifier of the target payment channel to the client that sends the query request, so that the client can complete the payment operation based on the target payment channel.

[0169] In the solution provided by the embodiment of the present invention, each preset payment channel and the priority of each preset payment channel are configured to obtain configuration data. On this basis, according to the payment channels supported by the target object and the configuration data, in descending order of the priority of each preset payment channel, it is judged whether the target object supports each preset payment channel. When the judgment result is yes, the preset payment channel corresponding to the judgment result is determined as the target payment channel, and then the payment is completed based on the target payment channel. In the above solution, if it is necessary to add a new payment channel or adjust the priority order of the existing payment channel, it is only necessary to add the new preset payment channel and its priority in the configuration data or adjust the priority of the existing preset payment channel in the configuration data. There is no need to modify the underlying code of the commodity trading platform, which improves the efficiency of modifying the payment channels of the commodity trading platform. In one embodiment of the present invention, the target payment channel judgment module 1002 includes: a payment channel to be selected determination submodule, used to determine the preset payment channel with the highest priority included in the configuration data as the payment channel to be selected; a payment channel to be selected judgment submodule, used to determine whether the payment channels supported by the target object include the payment channel to be selected; if the judgment result is yes, the payment channel to be selected is determined as the target payment channel; if the judgment result is no, the payment channel to be selected is updated to the remaining preset payment channel with the highest priority, and return to the step of judging whether the payment channels supported by the target object include the payment channel to be selected, wherein the remaining preset payment channels are preset payment channels included in the configuration data and do not belong to the historical payment channels to be selected.

[0170] In one embodiment of the present invention, the above-mentioned configuration data is generated in the following manner: obtaining each preset payment channel supported by the commodity trading platform set by the user and the priority of each preset payment channel; generating configuration data based on each preset payment channel and its priority.

[0171] In one embodiment of the present invention, the configuration data may be adjusted in the following manner: obtaining the new payment channel supported by the commodity trading platform set by the user and the priority of the new payment channel, and adding the new payment channel and its priority to the configuration data.

[0172] In one embodiment of the present invention, the configuration data may also be adjusted in the following manner: obtaining the user's adjustment operation for the priority of each preset payment channel supported by the commodity trading platform, and updating the priority of each preset payment channel supported by the commodity trading platform based on the adjustment operation.

[0173] Corresponding to the payment method applied to the client above, see Figure 11 , an embodiment of the present invention provides a schematic diagram of a payment device applied to a client, the device comprising:

[0174] The query request sending module 1101 is used to respond to the user's operation of purchasing the target object on the commodity trading platform and send a query request carrying the object identifier of the target object to the server, so that the server can judge whether the target object supports each preset payment channel in turn according to the payment channels supported by the target object and the currently stored configuration data, in accordance with the priority order of each preset payment channel. When the judgment result is yes, the preset payment channel corresponding to the judgment result is determined as the target payment channel, wherein the configuration data includes: each preset payment channel supported by the commodity trading platform and the priority of each preset payment channel.

[0175] The payment operation completion module 1102 is used to receive the payment channel identifier of the target payment channel returned by the server and complete the payment operation based on the target payment channel.

[0176] In the solution provided by the embodiment of the present invention, each preset payment channel and the priority of each preset payment channel are configured to obtain configuration data. On this basis, according to the payment channels supported by the target object and the configuration data, in descending order of the priority of each preset payment channel, it is judged whether the target object supports each preset payment channel. When the judgment result is yes, the preset payment channel corresponding to the judgment result is determined as the target payment channel, and then the payment is completed based on the target payment channel. In the above solution, if it is necessary to add a new payment channel or adjust the priority order of the existing payment channel, it is only necessary to add the new preset payment channel and its priority in the configuration data or adjust the priority of the existing preset payment channel in the configuration data. There is no need to modify the underlying code of the commodity trading platform, which improves the efficiency of modifying the payment channels of the commodity trading platform.

[0177] The embodiment of the present invention further provides a server, such as Figure 12 As shown, it includes a processor 1201, a communication interface 1202, a memory 1203 and a communication bus 1204, wherein the processor 1201, the communication interface 1202, and the memory 1203 communicate with each other through the communication bus 1204.

[0178] Memory 1203, used for storing computer programs;

[0179] The processor 1201 is configured to implement the payment method applied to the server provided in the above embodiment when executing the program stored in the memory 1203 .

[0180] The embodiment of the present invention also provides a client, such as Figure 13 As shown, it includes a processor 1301, a communication interface 1302, a memory 1303 and a communication bus 1304, wherein the processor 1301, the communication interface 1302, and the memory 1303 communicate with each other through the communication bus 1304.

[0181] Memory 1303, used for storing computer programs;

[0182] The processor 1301 is configured to implement the payment method applied to the client provided in the above embodiment when executing the program stored in the memory 1303 .

[0183] The communication bus mentioned in the server / client connection can be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus. This communication bus can be divided into an address bus, a data bus, a control bus, and so on. For ease of illustration, the figure shows only one thick line, but this does not mean that there is only one bus or only one type of bus.

[0184] The communication interface is used for communication between the above server / client and other devices.

[0185] The memory may include random access memory (RAM) or non-volatile memory, such as at least one disk storage. Alternatively, the memory may be at least one storage device located away from the processor.

[0186] The above-mentioned processor can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, and discrete hardware components.

[0187] In another embodiment of the present invention, a computer-readable storage medium is provided, wherein a computer program is stored in the computer-readable storage medium. When the computer program is executed by a processor, the payment method described in any one of the above embodiments is implemented.

[0188] In another embodiment of the present invention, a computer program product including instructions is provided. When the computer program product is run on a computer, the computer is enabled to execute the payment method described in any one of the above embodiments.

[0189] In the above embodiments, all or part of the embodiments can be implemented by software, hardware, firmware, or any combination thereof. When implemented using software, all or part of the embodiments can be implemented in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, all or part of the processes or functions described in the embodiments of the present invention are generated. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions can be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another computer-readable storage medium. For example, the computer instructions can be transmitted from one website, computer, server, or data center to another website, computer, server, or data center via a wired (e.g., coaxial cable, optical fiber, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) method. The computer-readable storage medium can be any available medium that can be accessed by a computer or a data storage device such as a server or data center that includes one or more available media. The available medium can be a magnetic medium (e.g., a floppy disk, a hard disk, a tape), an optical medium (e.g., a DVD), or a semiconductor medium (e.g., a solid-state drive (SSD)).

[0190] It should be noted that, in this document, relational terms such as first and second, etc., are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply the existence of any such actual relationship or order between these entities or operations. Moreover, the terms "comprises," "comprising," or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article, or device comprising a series of elements includes not only those elements, but also other elements not explicitly listed, or elements inherent to such process, method, article, or device. In the absence of further limitations, an element defined by the phrase "comprising a ..." does not exclude the presence of other identical elements in the process, method, article, or device comprising the element.

[0191] Each embodiment in this specification is described in a related manner. Similar portions between the various embodiments can be referenced to each other. Each embodiment focuses on the differences between the other embodiments. In particular, the system, device, server, client, computer-readable storage medium, and computer program product embodiments are generally similar to the method embodiments, so their descriptions are relatively simplified. For related portions, reference can be made to the descriptions of the method embodiments.

[0192] The above description is only a preferred embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present invention are included in the scope of protection of the present invention.

Claims

1. A payment method, characterized in that: Applied to a server, the method includes: In response to a query request carrying an object identifier of a target object, obtaining payment channels supported by the target object and currently stored configuration data, wherein the target object is an object to be traded by a user on a commodity trading platform, and the configuration data includes: each preset payment channel supported by the commodity trading platform and the priority of each preset payment channel; Based on the payment channels supported by the target object, and in accordance with the priority order of each preset payment channel, determining in sequence whether the target object supports each preset payment channel; if the judgment result is yes, determining the preset payment channel corresponding to the judgment result as the target payment channel; Returning the payment channel identifier of the target payment channel to the client that sends the query request, so that the client completes the payment operation based on the target payment channel.

2. The method according to claim 1, characterized in that The step of determining, based on the payment channels supported by the target object and in accordance with the priority order of the preset payment channels, whether the target object supports each preset payment channel, and if the determination result is yes, determining the preset payment channel corresponding to the determination result as the target payment channel includes: Determining the preset payment channel with the highest priority included in the configuration data as the payment channel to be selected; Determining whether the payment channels supported by the target object include the payment channel to be selected; If the judgment result is yes, the to-be-selected payment channel is determined as the target payment channel; If the judgment result is no, the to-be-selected payment channel is updated to the remaining preset payment channel with the highest priority, and the process returns to the step of determining whether the payment channels supported by the target object include the to-be-selected payment channel, wherein the remaining preset payment channels are preset payment channels included in the configuration data that do not belong to the historical to-be-selected payment channels.

3. The method according to claim 1, characterized in that Generate configuration data as follows: Obtaining each preset payment channel supported by the commodity trading platform and the priority of each preset payment channel set by the user; Configuration data is generated based on the preset payment channels and their priorities.

4. The method according to claim 1, wherein Adjust the configuration data as follows: Acquire a new payment channel supported by the commodity trading platform and a priority of the new payment channel set by the user, and add the new payment channel and its priority to the configuration data; and / or Acquire a user's adjustment operation on the priority of each preset payment channel supported by the commodity trading platform, and update the priority of each preset payment channel supported by the commodity trading platform according to the adjustment operation.

5. A payment method, characterized in that: Applied to a client, the method includes: In response to a user's operation of trading a target object on a commodity trading platform, a query request carrying the object identifier of the target object is sent to a server, so that the server determines, in order of priority of each preset payment channel, whether the target object supports each preset payment channel based on the payment channels supported by the target object and currently stored configuration data. If the judgment result is yes, the preset payment channel corresponding to the judgment result is determined as the target payment channel, wherein the configuration data includes: each preset payment channel supported by the commodity trading platform and the priority of each preset payment channel; Receive the payment channel identifier of the target payment channel returned by the server, and complete the payment operation based on the target payment channel.

6. A payment system, characterized in that: The system includes a client and a server: The client is configured to send a query request carrying an object identifier of the target object to the server in response to a user's operation of trading a target object on the commodity trading platform; The server is configured to, in response to the query request, obtain payment channels supported by the target object and currently stored configuration data, wherein the target object is an object to be traded by a user on a commodity trading platform, and the configuration data includes: various preset payment channels supported by the commodity trading platform and the priority of each preset payment channel; based on the payment channels supported by the target object, in accordance with the priority order of each preset payment channel, determine in sequence whether the target object supports each preset payment channel; if the judgment result is yes, determine the preset payment channel corresponding to the judgment result as the target payment channel; and return the payment channel identifier of the target payment channel to the client; The client is further configured to complete a payment operation based on the target payment channel after receiving the payment channel identifier of the target payment channel.

7. The system according to claim 6, characterized in that The server is specifically configured to determine the preset payment channel with the highest priority included in the configuration data as a to-be-selected payment channel; determine whether the payment channels supported by the target object include the to-be-selected payment channel; and if so, determine the to-be-selected payment channel as a target payment channel; If the judgment result is no, the to-be-selected payment channel is updated to the remaining preset payment channel with the highest priority, and the process returns to the step of determining whether the payment channels supported by the target object include the to-be-selected payment channel, wherein the remaining preset payment channels are preset payment channels included in the configuration data that are not among the historical to-be-selected payment channels; and / or The server is specifically configured to obtain each preset payment channel supported by the commodity trading platform and the priority of each preset payment channel set by the user; and generate configuration data based on each preset payment channel and its priority; and / or The server is specifically configured to obtain a new payment channel supported by the commodity trading platform and a priority of the new payment channel set by the user, and add the new payment channel and its priority to the configuration data; and / or The server is specifically configured to obtain a user's adjustment operation for the priority of each preset payment channel supported by the commodity trading platform, and update the priority of each preset payment channel supported by the commodity trading platform according to the adjustment operation.

8. A payment device, characterized in that: Applied to a server, the device includes: a first acquisition module, configured to, in response to a query request carrying an object identifier of a target object, acquire object information of the target object and current configuration data, wherein the target object is an object to be purchased by a user on a commodity trading platform, and the configuration data includes: various preset payment channels supported by the commodity trading platform and the priority of each preset payment channel; a target payment channel determination module, configured to determine, based on the payment channels supported by the target object and in accordance with the priority order of the preset payment channels, whether the target object supports each preset payment channel; if the determination result is yes, determining the preset payment channel corresponding to the determination result as the target payment channel; The payment channel identifier sending module is used to return the payment channel identifier of the target payment channel to the client that sends the query request, so that the client completes the payment operation based on the target payment channel.

9. A payment device, characterized in that: Applied to a client, the device includes: a query request sending module, configured to, in response to a user's operation of purchasing a target object on a commodity trading platform, send a query request carrying an object identifier of the target object to the server, so that the server determines, based on the payment channels supported by the target object and currently stored configuration data, in order of priority of each preset payment channel, whether the target object supports each preset payment channel; and if the judgment result is yes, determining the preset payment channel corresponding to the judgment result as the target payment channel, wherein the configuration data includes: each preset payment channel supported by the commodity trading platform and the priority of each preset payment channel; The payment operation completion module is used to receive the payment channel identifier of the target payment channel returned by the server and complete the payment operation based on the target payment channel.

10. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 4 or 5 is implemented.

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