Payment method and system based on multi-type third-party payment platform

Abstract

The invention relates to the field of data processing, and relates to a payment method and system based on a multi-type third-party payment platform. The method comprises the following steps: executing a payment action for a payment work order in a to-be-paid state, the payment action comprising the following steps: screening a payment account of a certain type from a plurality of preset payment accounts according to the type of the payment work order and the type of a corresponding collection account in combination with a preset matching rule, taking the screened payment account as an available payment account; selecting one payment account from the available payment accounts as a target payment account, and taking a payment platform to which the target payment account belongs as a target payment platform; converting the payment work order into an interface input parameter of a target payment platform, and pushing the interface input parameter to an interface of the target payment platform; and in response to successful execution of the payment work order, pulling a payment result of the payment work order, and updating the state of the payment work order to be paid. By adopting the method of the invention, the payment efficiency and accuracy of the payment work order can be effectively improved.

Description

Technical Field

[0001] This invention relates to the field of data processing. More specifically, this invention relates to a payment method and system based on multiple types of third-party payment platforms. Background Technology

[0002] When a company makes payment for an order, it typically generates a payment work order based on business data. After the work order is generated, it is reviewed by the company's cashier. Once approved, the cashier manually processes the payment. This involves selecting a suitable payment account from several options based on the business type and the recipient's account type, and then logging into the third-party payment system to complete the payment. This process is cumbersome and inefficient. Furthermore, because selecting a payment account requires the cashier's subjective experience and judgment, errors are prone to occur, leading to issues such as a mismatch between the selected account type and the payment work order type, or a payment account with an insufficient payment limit, resulting in payment failure.

[0003] In summary, the existing payment methods for payment work orders suffer from low payment efficiency, susceptibility to errors, and low payment success rates. Summary of the Invention

[0004] To address the technical problems of low payment efficiency and error-proneness in existing payment order payment methods, this invention provides solutions in the following aspects.

[0005] In a first aspect, the present invention provides a payment method based on multiple types of third-party payment platforms, comprising: executing a payment action for a payment work order with a status of pending payment, wherein the payment action includes: Based on the type of payment work order, the type of the corresponding receiving account, and the preset matching rules, a certain type of payment account is selected from a variety of preset payment accounts, and the selected payment account is used as the available payment account; the combination of the type of payment work order and the type of receiving account corresponds one-to-one with the type of the selected payment account. Select one payment account from the available payment accounts as the target payment account, and designate the payment platform to which the target payment account belongs as the target payment platform; The payment work order is converted into the interface parameters of the target payment platform and pushed to the interface of the target payment platform so that the target payment platform can execute the payment work order; the status of the payment work order is updated to "paying". In response to the successful execution of the payment order, the payment result of the payment order is retrieved, and the status of the payment order is updated to "paid".

[0006] The beneficial effects are as follows: The payment method of this invention, based on multiple types of third-party payment platforms, eliminates the need for company cashiers to manually select suitable accounts from numerous payment accounts and log in to the corresponding third-party payment platforms when processing payment orders. Instead, it automatically matches available payment accounts that match the type of the payment order and the corresponding receiving account using preset matching rules, and selects one as the final payment account from all available payment accounts. Furthermore, the selected payment account is no longer logged into the third-party payment platform during payment; instead, the payment order is converted into interface parameters for the target payment platform and pushed to the target payment platform's interface, allowing the target payment platform to automatically execute the payment process. Therefore, the method of this invention can effectively improve the efficiency and accuracy of payment orders. In addition, by retrieving the payment results of the payment orders and updating the status of the payment orders to "paid," duplicate payment of payment orders can be avoided.

[0007] Preferably, the matching rules are as follows: When the payment order type is expense reimbursement, if the receiving account type is a bank card, then payment accounts with the purpose of expense reimbursement and an account type of domestic account are selected; if the receiving account type is an overseas account, then payment accounts with the purpose of expense reimbursement and an account type of domestic foreign currency account are selected; if the receiving account type is other types, then payment accounts with the purpose of expense reimbursement and payment platforms of PayPal and Huifu Payment are selected. When the payment order type is business payment, if the receiving account type is a bank card, then payment accounts with the purpose of business payment and an account type of domestic account are selected; if the receiving account type is an overseas account, then payment accounts with the purpose of business payment and an account type of domestic foreign currency account are selected; if the receiving account type is other types, then payment accounts with the purpose of business payment and payment platforms of PayPal and Huifu Payment are selected. "Other types" refers to receiving account types other than overseas accounts and bank cards.

[0008] Preferably, the attributes of the payment account include: the payment platform to which it belongs, its purpose, the nature of the account, and the bank where the account is opened. The purpose is used to characterize the type of payment work order corresponding to the payment account. The types of payment work orders include reimbursement payments, business payments, and fund transfers. The types of the account nature include domestic accounts, domestic foreign currency accounts, overseas foreign currency accounts, and offshore accounts. The types of the payment platforms to which it belongs include China Merchants Bank CBS, PayPal, and Huifu Payment.

[0009] Preferably, selecting a payment account from available payment accounts as the target payment account includes: Retrieve the historical maximum payment amount for each available payment account, and obtain the transaction amount corresponding to the payment work order; Calculate the first score corresponding to the historical maximum payment amount, the second score corresponding to the historical payment success rate, and the third score corresponding to the frequency of use by the receiving account at a historical moment for each available payment account. The second score is the historical payment success rate; the third score is the frequency of use by the receiving account at a historical moment. The first score of a certain available payment account is obtained as follows: if the transaction amount is greater than the historical maximum payment amount, the first score is 0; if the transaction amount is less than 0.8 times the historical maximum payment amount, the first score is 1; if the transaction amount is greater than 0.8 times the historical maximum payment amount but less than the historical maximum payment amount, the first score is 0.7. The first, second, and third scores of each available payment account are weighted and summed to obtain a comprehensive score for each available payment account. The available payment account with the highest comprehensive score is selected as the target payment account.

[0010] The beneficial effects are as follows: if the historical maximum payment amount of a payment account is small, it may lead to transaction identification due to exceeding the limit; if the historical payment success rate of a payment account is low, it may affect the transaction success rate. Furthermore, by selecting the frequency of use of the receiving account at a given historical moment during payment, which aligns with user habits, payment convenience can be improved and operational friction reduced. The method in this embodiment, when selecting the optimal payment account from available payment accounts, comprehensively considers the impact of the payment account's historical maximum payment amount, historical payment success rate, and the frequency of use by the receiving account on the payment success rate, ensuring that the selected target payment account has a high payment success rate, thereby significantly improving the payment success rate of payment orders.

[0011] Preferably, the number of payment work orders in the pending payment state is multiple, and the method further includes: in response to the cashier selecting two or more payment work orders from all payment work orders in the pending payment state and setting the payment mode to merged payment, merging the selected multiple payment work orders into a parent work order, and performing the payment action on the merged payment work order; in response to the cashier selecting one payment work order from all payment work orders in the pending payment state and setting the payment mode to single payment, and performing the payment action on that payment work order; in response to the cashier selecting one payment work order to be split from all payment work orders in the pending payment state and setting the payment mode to split payment, splitting the selected payment work order into multiple sub-work orders, and performing the payment action on each sub-work order respectively.

[0012] Preferably, merging multiple selected payment work orders into a single parent work order includes: Determine whether the receiving accounts of the selected payment orders are the same, and whether the status of the selected payment orders is pending payment; If the selected payment orders have the same payee account and are all in a pending payment status, the data in the funds work order table of the selected payment orders will be used as the base data of the parent work order. The amount field in the base data of the parent work order will be set to the sum of the payment amounts of the selected payment orders, thereby generating the parent work order.

[0013] Preferably, splitting the selected payment order into multiple sub-orders includes: Determine whether the status of the payment work order is pending payment; In response to the status of a payment work order being pending payment, a splitting page pops up. The splitting page is used by cashiers to create sub-work orders and fill in the payment amount for each sub-work order. In response to the completion of payment amounts for each sub-work order, verify whether the sum of payment amounts for each sub-work order is equal to the payment amount for the work order to be split. In response to the sum of payment amounts of all sub-work orders equaling the payment amount of the work order to be split, multiple copies of data are copied from the fund work order table of the work order to be split as the base data for each sub-work order. Set the amount field of the basic data of the sub-work order to the payment amount of the sub-work order, and set the parent_id field to the table record ID of the parent work order, thereby generating each sub-work order.

[0014] Preferably, the interface parameters for converting payment work orders into those of the target payment platform include: Extract the variable placeholders used in the API request template of the target payment platform; Use regular expressions to match the fields in the payment work order corresponding to each variable placeholder; Replace the corresponding placeholders with the values ​​of each field in the matched payment order.

[0015] Preferably, the method for obtaining payment orders with a status of "pending payment" includes: The company's business data is converted into payment work orders, and these payment work orders are then put into the review process. In response to the approval of the payment work order, the status of the payment work order will be updated to pending payment.

[0016] In a second aspect, the present invention provides a payment system based on multiple types of third-party payment platforms, characterized in that the process of converting the company's business data into payment orders includes: a processor and a memory, wherein the memory stores computer program instructions, and when the computer program instructions are executed by the processor, the payment method based on multiple types of third-party payment platforms of the present invention is implemented.

[0017] In summary, the beneficial effects of this invention are that the payment method based on multiple types of third-party payment platforms can greatly improve the efficiency and accuracy of payment work orders. Attached Figure Description

[0018] The above and other objects, features, and advantages of exemplary embodiments of the present invention will become readily apparent upon reading the following detailed description with reference to the accompanying drawings. In the drawings, several embodiments of the invention are illustrated by way of example and not limitation, and like or corresponding reference numerals denote like or corresponding parts, wherein: Figure 1 This is a schematic flowchart illustrating a payment method based on multiple types of third-party payment platforms according to an embodiment of the present invention; Figure 2 This is a schematic flowchart illustrating the optimal payment account selection method according to an embodiment of the present invention; Figure 3 This is a schematic diagram illustrating a split payment method according to an embodiment of the present invention; Figure 4 This is a schematic diagram illustrating the structure of a payment system based on multiple types of third-party payment platforms according to an embodiment of the present invention. Detailed Implementation

[0019] The specific embodiments of the present invention will now be described in detail with reference to the accompanying drawings.

[0020] Payment method implementation examples based on multiple types of third-party payment platforms: like Figure 1 As shown, the payment method based on multiple types of third-party payment platforms of the present invention includes: performing a payment action for a payment work order with a status of pending payment, wherein the payment action includes: S101. Filtering available payment accounts: Based on the type of payment work order, the type of the corresponding receiving account, and the preset matching rules, filter out a certain type of payment account from a variety of preset payment accounts, and use the filtered payment account as an available payment account; wherein the combination of the type of payment work order and the type of receiving account corresponds one-to-one with the type of the filtered payment account. The attributes of a payment work order include: work order type and payment entity. The work order type declares the type of the payment work order (types include: expense reimbursement payment, business payment, and fund transfer). The payment entity declares which entity should make the payment for this work order.

[0021] The type of receiving account is used to declare what type of receiving account is for this payment order (types include: bank card, overseas account, other).

[0022] In this embodiment, the matching rules are as follows: When the payment order type is expense reimbursement, if the receiving account type is a bank card, then payment accounts with the purpose of expense reimbursement and an account type of domestic account are selected; if the receiving account type is an overseas account, then payment accounts with the purpose of expense reimbursement and an account type of domestic foreign currency account are selected; if the receiving account type is other types, then payment accounts with the purpose of expense reimbursement and payment platforms of PayPal and Huifu Payment are selected. When the payment order type is business payment, if the receiving account type is a bank card, then payment accounts with the purpose of business payment and an account type of domestic account are selected; if the receiving account type is an overseas account, then payment accounts with the purpose of business payment and an account type of domestic foreign currency account are selected; if the receiving account type is other types, then payment accounts with the purpose of business payment and payment platforms of PayPal and Huifu Payment are selected. "Other types" refers to receiving account types other than overseas accounts and bank cards. In other embodiments, other suitable matching rules may also be used.

[0023] S102. Select the target payment account and the target payment platform, specifically: select one payment account from the available payment accounts as the target payment account, and select the payment platform to which the target payment account belongs as the target payment platform; S103. Push the interface parameters to the target payment platform's interface, specifically: convert the payment work order into the target payment platform's interface parameters and push it to the target payment platform's interface so that the target payment platform can execute the payment work order; update the status of the payment work order to "paying". The API parameters of a payment platform refer to a set of parameters that must be provided when calling the API interface provided by the payment platform. These parameters are used to pass payment-related information to complete operations such as initiating payment requests, querying payment status, refunds, reconciliation, and closing orders.

[0024] S104. In response to the successful execution of the payment work order, retrieve the payment result of the payment work order and update the status of the payment work order to "paid".

[0025] The payment method of this invention, based on multiple types of third-party payment platforms, eliminates the need for company cashiers to manually select suitable accounts from numerous payment accounts and log in to the corresponding third-party payment platforms when processing payment orders. Instead, it automatically matches available payment accounts that are compatible with the type of payment order and the corresponding receiving account using preset matching rules, and selects one as the final payment account from all available payment accounts. Furthermore, the selected payment account is no longer logged into the third-party payment platform during payment; instead, the payment order is converted into interface parameters for the target payment platform and pushed to the target payment platform's interface, allowing the target payment platform to automatically execute the payment process. Therefore, the method of this invention can significantly improve the efficiency and accuracy of payment orders. In addition, by retrieving the payment results of the payment orders and updating the status of the payment orders to "paid," duplicate payment of payment orders can be avoided.

[0026] In one embodiment, the attributes of the payment account include: the payment platform to which it belongs, its purpose, the nature of the account, and the bank where the account is opened. The purpose is used to characterize the type of payment work order corresponding to the payment account. The types of payment work orders include reimbursement payments, business payments, and fund transfers. The types of the account nature include domestic accounts, domestic foreign currency accounts, overseas foreign currency accounts, and offshore accounts. The types of the payment platforms to which it belongs include China Merchants Bank CBS, PayPal, and Huifu Payment.

[0027] like Figure 2 As shown, in one embodiment, selecting a payment account from available payment accounts as the target payment account includes: S201. Obtain the historical maximum payment amount for each available payment account, and obtain the transaction amount corresponding to the payment work order; S202. Obtain the first, second, and third scores of available payment accounts, specifically: calculate the first score corresponding to the historical maximum payment amount, the second score corresponding to the historical payment success rate, and the third score corresponding to the frequency of use by the receiving account at a historical moment for each available payment account; the second score is the historical payment success rate; the third score is the frequency of use by the receiving account at a historical moment; the first score of a certain available payment account is obtained as follows: if the transaction amount is greater than the historical maximum payment amount, the first score is 0; if the transaction amount is less than 0.8 times the historical maximum payment amount, the first score is 1; if the transaction amount is greater than 0.8 times the historical maximum payment amount but less than the historical maximum payment amount, the first score is 0.7. For example, if a certain available payment account has been used 5 times by a receiving account at any given time in history, and the receiving account has received a total of 10 payments in history, then the frequency of the available payment account being used by the receiving account is 0.5. S203. Obtain the comprehensive score of each available payment account and obtain the target payment account. Specifically, the first, second and third scores of each available payment account are weighted and summed to obtain the comprehensive score of each available payment account, and the available payment account with the highest comprehensive score is selected as the target payment account.

[0028] In this embodiment, the weight of the first score can be set to 30%, the weight of the second score can be set to 40%, and the weight of the third score can be set to 30%. In other embodiments, the weights of the various scores can also be set to other suitable values.

[0029] If the historical maximum payment amount of a payment account is small, it may lead to transaction identification exceeding the limit. If the historical payment success rate of a payment account is low, it may affect the transaction success rate. In addition, by selecting the frequency of use of the receiving account in the past when making a payment, it conforms to user habits, which can improve payment convenience and reduce operational friction. The method of this embodiment comprehensively considers the impact of the payment account's historical maximum payment amount, historical payment success rate, and the frequency of use by the receiving account on the payment success rate when selecting the optimal payment account from available payment accounts, ensuring that the selected target payment account has a high payment success rate, thereby greatly improving the payment success rate of payment orders.

[0030] In one embodiment, the number of payment work orders in the pending payment state is multiple, and the method further includes: if the cashier selects two or more payment work orders from all payment work orders in the pending payment state and sets the payment mode to merged payment, then the selected multiple payment work orders are merged into a parent work order, and the payment action is performed on the merged payment work order; if the cashier selects one payment work order from all payment work orders in the pending payment state and sets the payment mode to single payment, then the payment action is performed on that payment work order; if the cashier selects one payment work order from all payment work orders in the pending payment state and sets the payment mode to split payment, then the selected payment work order is split into multiple sub-work orders, and the payment action is performed on each sub-work order respectively.

[0031] like Figure 3 As shown, if work order A has an amount of 1000, it can be split into two sub-work orders, namely sub-work order A1 and sub-work order A2, with each sub-work order A1 having an amount of 500. After splitting, payment is executed for sub-work order A1 and sub-work order A2 respectively. Sub-work order A1 is paid using the T1 payment account and the corresponding first payment platform, while sub-work order A2 is paid using the T2 payment account and the corresponding second payment platform. After successful payment, the payment result is retrieved, and the status of work order A is updated to "paid".

[0032] If multiple payment orders have the same payee account, merging them into a single parent order for payment can improve payment efficiency. Some payment channels have limits on single payments; if a single payment order has a large amount, splitting it into multiple sub-payment orders for separate payments can automatically circumvent these limits and ensure uninterrupted payment flow. Therefore, adopting the method of this invention can significantly improve the efficiency, flexibility, and fault tolerance of payment operations.

[0033] In one embodiment, merging multiple selected payment orders into a single parent order includes: S301. Determine whether the receiving accounts of the selected payment orders are the same, and whether the status of the selected payment orders is pending payment. S302. In response to the fact that the receiving accounts of the selected payment work orders are the same and all are in a pending payment status, the data of the funds work order table of the selected payment work orders is used as the basic data of the parent work order, and the amount field in the basic data of the parent work order is set to the sum of the payment amounts of the selected payment work orders, thereby generating the parent work order.

[0034] If the payment accounts of the selected payment orders are different, the user will be prompted that the selected orders cannot be combined for payment.

[0035] The funds order table (also known as the funds_order table) typically appears in a company's fund management system, payment system, or e-commerce / financial system. Its main function is to record order information related to fund flows, such as payments, refunds, and transfers. It is one of the core tables for implementing payment processes, fund settlements, and financial reconciliation.

[0036] Typically, the fund order table includes the following fields: id (primary key, auto-incrementing ID), order_no (fund order number), biz_order_no (business order number), user_id (user ID who initiated the fund operation), amount (amount, usually in cents), currency (currency), order_type (order type: payment, refund, withdrawal, top-up, etc.), status (order status), and payment_channel (payment channel).

[0037] In one embodiment, splitting a selected payment order into multiple sub-orders includes: S401. Determine whether the status of the payment work order is pending payment; S402. In response to the status of a payment work order being pending payment, a splitting page pops up. The splitting page is used for cashiers to create sub-work orders and fill in the payment amount for each sub-work order. S403. In response to the completion of the payment amount for each sub-work order, verify whether the sum of the payment amounts for each sub-work order is equal to the payment amount for the work order to be split. S404. In response to the sum of payment amounts of each sub-work order being equal to the payment amount of the work order to be split, copy multiple copies of the data from the fund work order table of the work order to be split as the base data for each sub-work order. If the sum of the payment amounts for each sub-work order is not equal to the payment amount for the work order to be split, the user will be prompted that the amount entered is incorrect.

[0038] S405. Set the amount field of the basic data of the sub-work order to the payment amount of the sub-work order, and set the parent_id field to the table record ID of the parent work order, thereby generating each sub-work order.

[0039] In one embodiment, the interface parameters for converting a payment work order into the target payment platform include: S501. Extract the variable placeholders used in the interface request template of the target payment platform; S502. Use regular expressions to match the fields in the payment work order corresponding to each variable placeholder; S503. Replace the corresponding variable placeholders with the values ​​of each field in the matched payment order.

[0040] In one embodiment, the method for obtaining a payment order with a pending payment status includes: S601. Convert the company's business data into payment work orders and put the payment work orders into the review status. In this embodiment, converting the company's business data into payment orders includes: extracting the core fields required to generate payment orders from the business data. These core fields include: payment applicant, supplier name, receiving account, amount payable, currency, reason for payment, source business type, original business document ID, and business status (pending approval or pending payment). After extracting the core fields required to generate payment orders, the program can automatically generate the payment orders.

[0041] S602. In response to the approval of the payment work order, update the status of the payment work order to pending payment.

[0042] Implementation examples of payment systems based on multiple types of third-party payment platforms: This invention also provides a payment system based on multiple types of third-party payment platforms. For example... Figure 4As shown, the payment system based on multiple types of third-party payment platforms includes a processor and a memory. The memory stores computer program instructions, which, when executed by the processor, implement a payment method based on multiple types of third-party payment platforms as described in the above embodiments.

[0043] The payment system based on multiple types of third-party payment platforms also includes other components well known to those skilled in the art, such as communication buses and communication interfaces. Their settings and functions are known in the art and will not be described in detail here.

[0044] In the description of this specification, "multiple" or "several" means at least two, such as two, three or more, unless otherwise explicitly specified.

[0045] While this specification has shown and described numerous embodiments of the invention, it will be apparent to those skilled in the art that such embodiments are provided by way of example only. Many modifications, alterations, and alternatives will occur to those skilled in the art without departing from the spirit and essence of the invention. It should be understood that various alternatives to the embodiments of the invention described herein may be employed in the practice of this invention.

Claims

1. A payment method based on multiple types of third-party payment platforms, characterized in that, include: For payment work orders with a status of "pending payment", a payment action is performed, the payment action including: Based on the type of payment work order, the type of the corresponding receiving account, and the preset matching rules, a certain type of payment account is selected from a variety of preset payment accounts, and the selected payment account is used as the available payment account; the combination of the type of payment work order and the type of receiving account corresponds one-to-one with the type of the selected payment account. Select one payment account from the available payment accounts as the target payment account, and designate the payment platform to which the target payment account belongs as the target payment platform; The payment work order is converted into the interface parameters of the target payment platform and pushed to the interface of the target payment platform so that the target payment platform can execute the payment work order; the status of the payment work order is updated to "paying". In response to the successful execution of the payment order, the payment result of the payment order is retrieved, and the status of the payment order is updated to "paid".

2. The payment method based on multiple types of third-party payment platforms as described in claim 1, characterized in that, The matching rules are as follows: When the payment order type is "reimbursement payment," if the receiving account type is a bank card, then payment accounts with the purpose of reimbursement payment and the account type being a domestic account are selected; if the receiving account type is an overseas account, then payment accounts with the purpose of reimbursement payment and the account type being a domestic foreign currency account are selected; if the receiving account type is "other types," then payment accounts with the purpose of reimbursement payment and the payment platform being PayPal or Huifu Payment are selected. When the payment order type is "business payment," if the receiving account type is a bank card, then payment accounts with the purpose of business payment and the account type being a domestic account are selected; if the receiving account type is an overseas account, then payment accounts with the purpose of business payment and the account type being a domestic foreign currency account are selected; if the receiving account type is "other types," then payment accounts with the purpose of business payment and the payment platform being PayPal or Huifu Payment are selected. "Other types" refers to receiving account types other than overseas accounts and bank cards.

3. The payment method based on multiple types of third-party payment platforms as described in claim 2, characterized in that, The attributes of the payment account include: the payment platform to which it belongs, its purpose, the nature of the account, and the bank where the account is opened. The purpose is used to characterize the type of payment work order corresponding to the payment account. The types of payment work orders include reimbursement payments, business payments, and fund transfers. The types of account nature include domestic accounts, domestic foreign currency accounts, overseas foreign currency accounts, and offshore accounts. The types of payment platforms to which it belongs include China Merchants Bank CBS, PayPal, and Huifu Payment.

4. The payment method based on multiple types of third-party payment platforms as described in claim 1, characterized in that, Selecting one payment account as the target payment account from available payment accounts includes: Retrieve the historical maximum payment amount for each available payment account, and obtain the transaction amount corresponding to the payment work order; Calculate the first score corresponding to the historical maximum payment amount, the second score corresponding to the historical payment success rate, and the third score corresponding to the frequency of use by the receiving account at a historical moment for each available payment account. The second score is the historical payment success rate; the third score is the frequency of use by the receiving account at a historical moment. The first score of a certain available payment account is obtained as follows: if the transaction amount is greater than the historical maximum payment amount, the first score is 0; if the transaction amount is less than 0.8 times the historical maximum payment amount, the first score is 1; if the transaction amount is greater than 0.8 times the historical maximum payment amount but less than the historical maximum payment amount, the first score is 0.

7. The first, second, and third scores of each available payment account are weighted and summed to obtain a comprehensive score for each available payment account. The available payment account with the highest comprehensive score is selected as the target payment account.

5. The payment method based on multiple types of third-party payment platforms as described in claim 1, characterized in that, The method further includes: if the cashier selects two or more payment work orders from all payment work orders with a status of pending payment and sets the payment mode to merged payment, then the selected multiple payment work orders are merged into a parent work order, and the payment action is performed on the merged payment work order; if the cashier selects one payment work order from all payment work orders with a status of pending payment and sets the payment mode to single payment, then the payment action is performed on that payment work order; if the cashier selects one payment work order to be split from all payment work orders with a status of pending payment and sets the payment mode to split payment, then the selected payment work order is split into multiple sub-work orders, and the payment action is performed on each sub-work order respectively.

6. The payment method based on multiple types of third-party payment platforms as described in claim 5, characterized in that, Merging multiple selected payment orders into a single parent order includes: Determine whether the receiving accounts of the selected payment orders are the same, and whether the status of the selected payment orders is pending payment; If the selected payment orders have the same payee account and are all in a pending payment status, the data in the funds work order table of the selected payment orders will be used as the base data of the parent work order. The amount field in the base data of the parent work order will be set to the sum of the payment amounts of the selected payment orders, thereby generating the parent work order.

7. The payment method based on multiple types of third-party payment platforms as described in claim 5, characterized in that, Split the selected payment order into multiple sub-orders, including: Determine whether the status of the payment work order is pending payment; In response to the status of a payment work order being pending payment, a splitting page pops up. The splitting page is used by cashiers to create sub-work orders and fill in the payment amount for each sub-work order. In response to the completion of payment amounts for each sub-work order, verify whether the sum of payment amounts for each sub-work order is equal to the payment amount for the work order to be split. In response to the sum of payment amounts of all sub-work orders equaling the payment amount of the work order to be split, multiple copies of data are copied from the fund work order table of the work order to be split as the base data for each sub-work order. Set the amount field of the basic data of the sub-work order to the payment amount of the sub-work order, and set the parent_id field to the table record ID of the parent work order, thereby generating each sub-work order.

8. The payment method based on multiple types of third-party payment platforms as described in claim 1, characterized in that, The interface parameters for converting payment work orders into target payment platforms include: Extract the variable placeholders used in the API request template of the target payment platform; Use regular expressions to match the fields in the payment work order corresponding to each variable placeholder; Replace the corresponding placeholders with the values ​​of each field in the matched payment order.

9. The payment method based on multiple types of third-party payment platforms as described in any one of claims 1 to 8, characterized in that, Methods for obtaining payment orders with a status of "pending payment" include: The company's business data is converted into payment work orders, and these payment work orders are then put into the review process. In response to the approval of the payment work order, the status of the payment work order will be updated to pending payment.

10. A payment system based on multiple types of third-party payment platforms, characterized in that, The process of converting a company’s business data into a payment order includes a processor and a memory, wherein the memory stores computer program instructions, and when the computer program instructions are executed by the processor, the payment method based on a multi-type third-party payment platform as described in any one of claims 1 to 9 is implemented.

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