CN115018485A - Aggregated payment operation management platform and aggregated payment method - Google Patents
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Abstract
According to the aggregated payment operation management platform and the aggregated payment method, a merchant account opening management module in the platform can manage product information corresponding to products provided for merchants, and a merchant contract management module can manage contract information of the merchants, so that the real-time performance and the validity of the products opened by the platform for the merchants and the contract information between the platform and the merchants are guaranteed, and the products and the contract information can be verified when the merchants transact with the platform; the transaction inquiry module can inquire and manage the transaction information of the merchant, the cashier desk authority configuration module can configure the authority of the payment mode which can be used by the user when the merchant collects money from the user through the aggregation payment cashier desk, so that the transparency and the legality of the transaction between the merchant and the user through the platform are further ensured, in addition, the aggregation payment cashier desk can generate a corresponding payment link according to the payment request of the user for the user to pay, and the process management difficulty of the merchant is effectively reduced.
Description
Technical Field
The application relates to the technical field of mobile payment, in particular to an aggregation payment operation management platform and an aggregation payment method.
Background
At present, a user often uses a third-party payment platform such as a payment treasure, a WeChat payment, a Jingdong payment and a QQ wallet to pay in the daily consumption process. In order to meet diversified payment requirements of users for paying by using various different types of third party payment platforms, the merchants can be in butt joint with the aggregate payment operation management platform to realize the aggregate payment function.
For example, due to diversification of service scenes, a user not only has a demand for existing WeChat applet and public number payment and Payment treasure code scanning payment, but also wants to use payment functions of WeChat and Payment treasure APP and the like, and a merchant can be in butt joint with an aggregation payment operation management platform, so that an aggregation payment function is realized. In the process, as a plurality of merchants are docked by the aggregated payment operation management platform, and products and transaction authorities of each merchant are different to a certain extent, the aggregated payment operation management platform is difficult to manage and maintain and high in cost.
Disclosure of Invention
The purpose of the present application is to solve at least one of the above technical defects, especially the technical defect that the management and maintenance difficulty of the aggregation payment operation management platform in the prior art is large and the cost is high.
The application provides an aggregation payment operation management platform, which comprises a merchant management module, an acquiring application operation module and an aggregation payment cashier desk;
the merchant management module comprises a merchant account opening management module and a merchant contract management module;
the merchant account opening management module is used for managing product information corresponding to products provided for merchants;
the merchant contract management module is used for managing contract information of merchants;
the acquiring application operation module comprises a transaction query module and a cashier desk authority configuration module;
the transaction inquiry module is used for inquiring and managing the transaction information of the merchant;
the cashier authority configuration module is used for configuring the authority of the payment mode which can be used by the user when the merchant collects money from the user through the aggregated payment cashier;
the aggregation payment cashier is used for generating a corresponding payment link according to the payment request of the user so as to enable the user to pay.
Optionally, the process of managing product information corresponding to a product provided to a merchant by the merchant account opening management module includes:
and newly adding, deleting or modifying the product enumeration value in the product list of the newly added contract function page.
Optionally, the process of managing product information corresponding to a product provided to a merchant by the merchant account opening management module includes:
the product enumeration value of the product field in the contract details of each contract is newly added, deleted or modified.
Optionally, the merchant contract management module is configured to perform a process of managing contract information of a merchant, and includes:
the product names in the merchant's contract are added, deleted or modified.
Optionally, the transaction query module is configured to perform a process of querying and managing transaction information of a merchant, and includes:
adding, deleting or modifying an order source of a merchant, wherein the order source comprises an aggregated payment cashier.
Optionally, the cash register authority configuration module is configured to perform authority configuration on a payment method that can be used by a user when a merchant collects money from a user through an aggregated payment cash register, and includes:
when a merchant collects money from a user through an aggregation payment cashier, authority management is carried out on the use state of a payment mode which can be used by the user;
wherein the use state comprises deactivated and activated.
The application further provides an aggregated payment method applied to an aggregated payment cashier in an aggregated payment operation management platform according to any one of the above embodiments, and the method includes:
receiving a payment request sent by a merchant who has opened a product and has a transaction right, wherein the payment request comprises an order number and a corresponding payment mode;
and generating a payment link of an aggregated payment program running on a third-party payment platform based on the order number and the corresponding payment mode, wherein the payment link is used for a user to access the corresponding aggregated payment program, and the third-party payment platform is used for paying to the merchant.
Optionally, the receiving a payment request sent by a merchant who has opened a product and has a transaction right includes:
receiving a payment request sent by any merchant;
verifying whether the merchant opens a product corresponding to the payment request and whether the merchant has a transaction right corresponding to the payment request;
and if the verification is passed, marking the payment request sent by the merchant as a payment request sent by the merchant which has the opened product and has the transaction authority.
Optionally, the generating a payment link of an aggregated payment program cash register running on a third party payment platform based on the order number and a corresponding payment method includes:
converting the order number into a random character string;
and constructing a payment link of an aggregated payment program running on a third-party payment platform by using the random character string and a payment mode corresponding to the order number.
Optionally, the converting the order number into a random character string includes:
and converting the order number into a random character string according to the validity period of the order number and the preset character length.
According to the technical scheme, the embodiment of the application has the following advantages:
according to the aggregation payment operation management platform and the aggregation payment method, when a merchant collects money for a user, the money can be collected through the aggregation payment operation management platform, so that the investment cost of the merchant is greatly reduced; the platform comprises a merchant management module, an acquiring application operation module and an aggregation payment cashier desk, wherein the merchant management module comprises a merchant account opening management module and a merchant contract management module, the merchant account opening management module can manage product information corresponding to products provided for merchants, and the merchant contract management module can manage the merchant contract information so as to ensure the real-time performance and the validity of products opened by the platform for the merchants and the contract information between the platform and the merchants and verify the contract information when the merchants transact with the platform; the acquiring application operation module can also comprise a transaction inquiry module and a cashier desk authority configuration module, the transaction inquiry module can inquire and manage transaction information of a merchant, and the cashier desk authority configuration module can configure the authority of a payment mode which can be used by a user when the merchant collects money from the user through a polymerization payment cashier desk, so that the transparency and the legality of the transaction between the merchant and the user through a platform are further ensured, and the management and maintenance difficulty of the polymerization payment operation management platform is effectively reduced; in addition, the aggregated payment cashier desk can generate a corresponding payment link according to the payment request of the user for the user to pay, so that the process management difficulty and the research and development cost of the merchant are effectively reduced.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present application, and other drawings can be obtained by those skilled in the art without creative efforts.
Fig. 1 is a schematic structural diagram of an aggregation payment operation management platform provided in an embodiment of the present application;
fig. 2 is a display view of a merchant account opening management interface provided in the embodiment of the present application;
FIG. 3 is a diagram illustrating a contract management interface for a merchant according to an embodiment of the disclosure;
FIG. 4 is a page display diagram of a transaction query module provided by an embodiment of the present application;
FIG. 5 is a page display diagram of a transaction details page of a transaction query module provided by an embodiment of the present application;
fig. 6 is a page display diagram of a cashier authority configuration module according to an embodiment of the present application;
fig. 7 is a schematic flowchart of an aggregate payment method according to an embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
At present, due to diversification of service scenes, a user has a demand for existing WeChat applet and public number payment and Payment treasure code scanning payment, and also wants to use payment functions of WeChat, Payment treasure APP and the like, and a merchant can be in butt joint with an aggregation payment operation management platform, so that an aggregation payment function is realized. In the process, as a plurality of merchants are docked by the aggregated payment operation management platform, and products and transaction authorities of each merchant are different to a certain extent, the aggregated payment operation management platform is difficult to manage and maintain and high in cost.
Based on this, the following technical solutions are proposed in the present application, specifically see the following:
in an embodiment, as shown in fig. 1, fig. 1 is a schematic structural diagram of an aggregation payment operation management platform provided in the embodiment of the present application; the application provides an aggregate payment operation management platform, which can comprise a merchant management module, an acquiring application operation module and an aggregate payment cashier desk.
The merchant management module may include a merchant account opening management module and a merchant contract management module.
The merchant account opening management module is used for managing product information corresponding to products provided for merchants.
The merchant contract management module is used for managing contract information of merchants.
The acquiring application operation module can comprise a transaction inquiry module and a cash register authority configuration module.
The transaction inquiry module is used for inquiring and managing the transaction information of the merchant.
The cashier authority configuration module is used for carrying out authority configuration on payment modes which can be used by the user when the merchant collects money from the user through the aggregated payment cashier.
The aggregation payment cashier is used for generating a corresponding payment link according to the payment request of the user so as to enable the user to pay.
In this embodiment, as shown in fig. 1, the aggregated payment operation management platform may include an operation management background and an aggregated payment cashier desk, where the aggregated payment cashier desk is mainly responsible for directly interfacing with each merchant, for example, a corresponding payment link is generated according to a payment request of a user for payment by the user, and the operation management background is mainly responsible for managing contract information, transaction authority, and the like in an interfacing process between the aggregated payment cashier desk and each merchant, so as to form a complete aggregated payment platform.
The operation management background can be divided into a plurality of management modules, such as a system management authority module, an account checking management module, a marketing management module and an operation support module, each module executes corresponding functions, such as the account checking management module is mainly responsible for managing bill information, the marketing management module is mainly used for managing marketing content, and the operation support module is mainly used for managing operation content.
Further, the merchant management module and the acquiring application operation module in the application are mainly sub-modules under the operation support module. The merchant management module can be divided into a merchant account opening management module and a merchant contract management module, wherein the merchant account opening management module is mainly responsible for managing product information corresponding to products provided for merchants, and the merchant contract management module is mainly responsible for managing the contract information of the merchants; the acquiring application operation module can be divided into a transaction query module and a cashier desk authority configuration module, the transaction query module is mainly responsible for querying and managing transaction information of the merchant, and the cashier desk authority configuration module is mainly responsible for carrying out authority configuration on a payment mode which can be used by the user when the merchant collects money from the user through the aggregated payment cashier desk.
It can be understood that the aggregate payment operation management platform opens various products for each merchant, such as "public number payment" product, "applet payment" product, "mobile WAP payment" product, and the like, each product corresponds to one or more interfaces for the merchant to call, the aggregate payment operation management platform can check and update the content of each management module in the operation management background in real time so as to meet the business requirements, the merchant can open corresponding products on the aggregate payment operation management platform according to the needs of the merchant and the user and sign a contract with the platform, and the platform can also provide corresponding transaction rights for the products opened by the merchant. Therefore, when a merchant calls a certain interface to send a payment request to the aggregated payment cashier desk, the aggregated payment cashier desk can verify whether the payment request is legal or not according to the data stored in each module, if not, error information is directly returned, and if the payment request is legal, the payment operation is continued.
In the embodiment, when the merchant collects the money for the user, the money can be collected through the aggregated payment operation management platform, so that the investment cost of the merchant is greatly reduced; the platform comprises a merchant management module, an acquiring application operation module and an aggregation payment cashier desk, wherein the merchant management module comprises a merchant account opening management module and a merchant contract management module, the merchant account opening management module can manage and maintain product information corresponding to products provided for merchants, and the merchant contract management module can manage and maintain contract information of the merchants, so that the real-time performance and the validity of products opened by the platform for the merchants and the contract information between the platform and the merchants are ensured, and the merchant and the platform can be verified during transaction; the acquiring application operation module can also comprise a transaction inquiry module and a cashier desk authority configuration module, the transaction inquiry module can inquire and manage transaction information of a merchant, and the cashier desk authority configuration module can configure the authority of a payment mode which can be used by a user when the merchant collects money from the user through a polymerization payment cashier desk, so that the transparency and the legality of the transaction between the merchant and the user through a platform are further ensured, and the management and maintenance difficulty of the polymerization payment operation management platform is effectively reduced; in addition, the aggregated payment cashier desk can generate a corresponding payment link according to the payment request of the user for the user to pay, so that the process management difficulty and the research and development cost of the merchant are effectively reduced.
In one embodiment, as shown in fig. 2, fig. 2 is a display diagram of a merchant account opening management interface provided in the embodiment of the present application; the process that the merchant account opening management module is used for managing the product information corresponding to the product provided for the merchant may include: and newly adding, deleting or modifying the product enumeration value in the product list of the newly added contract function page.
In this embodiment, the merchant account opening management module is mainly responsible for managing product information corresponding to a product provided to a merchant, including but not limited to managing product information of an opened product and managing product information of a product to be opened. When a new contract is required to be added and the product type is required to be added, deleted or modified, the product enumeration value in the original product list in the new contract can be added, deleted or modified, and the product list after the product enumeration value is added, deleted or modified is also suitable for the product list of the opened product.
The newly added product enumeration value may be "skip payment (third party payment platform)" or "main scanning payment (third party payment platform)", and the like, and may be specifically set according to an actual service requirement, which is not limited herein.
Furthermore, the functional interface of the merchant account opening management module also displays different products opened by different merchants and different products opened by the same merchant, and each product opened by each merchant has a corresponding name of party a, name of party b, contract number, status, effective date, expiration date and the like. When a certain merchant sends a payment request to the aggregated payment cashier desk, whether the sent payment request is legal or not can be verified according to the product number, the effective date, the expiration date and the like corresponding to the opened product in each contract number.
In one embodiment, the process of the merchant account opening management module for managing product information corresponding to products provided to merchants may include: the product enumeration value of the product field in the contract details of each contract is newly added, deleted or modified.
In this embodiment, as shown in fig. 2, not only the opening product and the new contract are displayed in the functional interface corresponding to the merchant account opening management module, but also the contract details corresponding to different contracts are displayed, and when the product enumeration value of the product field needs to be added, deleted, or modified, the addition, deletion, or modification operation of the product enumeration value can be implemented through the technical code.
In an embodiment, as shown in fig. 3, fig. 3 is a display diagram of a merchant contract management interface provided in the embodiment of the present application, where the process that the merchant contract management module is used to manage contract information of a merchant may include: the product names in the merchant's contract are added, deleted or modified.
In this embodiment, as shown in fig. 3, the merchant contract management module is configured to add, delete, or modify a product name in a merchant contract, for example, add a product name of "skip payment (third party payment platform)", and can derive details of a selected contract by one key.
Further, a contract number, a contract main body number, application time, an application serial number, an effective date, an expiration date, a state and the like are displayed in a functional interface corresponding to the merchant contract management module, a user can perform accurate search by inputting the corresponding contract number, the contract main body number or the application serial number and the like, and the 'exporting' function can export the searched contract details by one key, so that the user can conveniently check the contract details.
In one embodiment, as shown in fig. 4 and 5, fig. 4 is a page display diagram of a transaction query module provided in an embodiment of the present application, and fig. 5 is a page display diagram of a transaction detail page of the transaction query module provided in an embodiment of the present application; the transaction inquiry module is used for inquiring and managing the transaction information of the merchant, and may include:
adding, deleting or modifying an order source of a merchant, wherein the order source comprises an aggregated payment cashier.
In this embodiment, as shown in fig. 4, the transaction query module includes an order source and details, and the like, the application may add, delete, or modify the order source of the merchant, and the order source includes, but is not limited to, an aggregation payment cashier, that is, a PC cashier in fig. 4.
In addition, a merchant number, a merchant order number, a payment mode, a payment state, a payment result, payment time confirmation and the like are displayed in a functional interface of the transaction query module. The transaction inquiry module can inquire and derive the corresponding order state according to the merchant order number corresponding to the payment request.
Further, after clicking the "details" in the transaction query module, the transaction detail page shown in fig. 5 can be obtained, and the transaction detail page is provided with a product number, a total amount of the order, payment initiation time, request time, refund times, an order source, a product name, and the like. When a merchant sends a payment request to an aggregation payment cashier, namely a PC cashier, the transaction query module may also obtain the total amount of orders, product names, product numbers, request time, and the like included in the payment request.
After a certain merchant sends a payment request to an aggregation payment cashier desk, the aggregation payment cashier desk can record detailed order information and modify the payment state, if the payment request is sent for the first time, the payment state is modified to be paid, and after a corresponding payment link is sent, the payment state is modified to be in payment; when the clearing platform returns the corresponding payment result, the aggregation payment cashier can modify the payment result and fill in the payment confirmation time so as to record the complete payment process, thereby being beneficial to the follow-up order inquiry. When other follow-up programs request, the feedback can be carried out by aggregating the transaction information stored in the payment cashier desk.
In one embodiment, as shown in fig. 6, fig. 6 is a display diagram of a page of a cash register authority configuration module provided in an embodiment of the present application; the cash register authority configuration module is used for configuring authority of payment modes which can be used by a user when a merchant collects money from a cash register through aggregation payment, and may include:
when a merchant collects money from a user through an aggregation payment cashier, authority management is carried out on the use state of a payment mode which can be used by the user;
wherein the use state comprises deactivated and activated.
In this embodiment, a tag number, a tag name, and a use state corresponding to a payment mode of a product that has been opened by each merchant are displayed in a functional interface of the cash register authority configuration module, where the tag number and the tag name may be the same, and the use state may include deactivation and activation, and may be specifically set according to a term of contract made by the merchant.
It can be understood that, the merchants showing the tag numbers and tag names are all opened with corresponding products, and the corresponding use states are configured for the products, so that when the merchants send payment requests to the aggregated payment cashier desk, the use states of the merchants can be inquired according to the products corresponding to the payment requests, so as to check the products.
In one embodiment, as shown in fig. 7, fig. 7 is a schematic flowchart of an aggregate payment method provided in the embodiment of the present application; the present application further provides an aggregated payment method, which is applied to an aggregated payment cashier in an aggregated payment operation management platform according to any one of the above embodiments, where the method may include:
s110: and receiving a payment request sent by a merchant which has opened the product and has the transaction authority.
S120: and generating a payment link of the aggregated payment program running on the third-party payment platform based on the order number and the corresponding payment mode.
In this embodiment, after the aggregated payment cashier desk receives a payment request sent by a merchant who has an opened product and has a transaction right, a payment link of an aggregated payment program running on a third-party payment platform can be generated based on an order number in the payment request and a corresponding payment mode, the payment link can be used for a user to access the corresponding aggregated payment program, and the third-party payment platform is called by the aggregated payment program to pay for the merchant, in the process, transaction information between the merchant and the aggregated payment platform can be stored by the aggregated payment cashier desk for subsequent inquiry and display, in addition, the aggregated payment cashier desk can check through a merchant account opening management module, a merchant contract management module and a cashier desk right configuration module when receiving the payment request sent by the merchant so as to verify the validity of the current payment request, further improving the transaction security.
The aggregated payment program may be run on any third party payment platform, such as an applet, a public number, and the like, which is not limited herein.
Further, after the user successfully pays in the aggregated payment program, the third-party payment platform may send the payment result to the clearing platform, and after the clearing platform receives the payment result, the third-party payment platform sends the payment result to the aggregated payment cashier desk, or after the aggregated payment cashier desk receives the result, the third-party payment platform may display the corresponding payment result in the aggregated payment program and the PC cashier desk.
In one embodiment, the receiving of the payment request sent by the merchant having the opened product and possessing the transaction right in S110 may include:
s111: and receiving a payment request sent by any merchant.
S112: and verifying whether the merchant opens a product corresponding to the payment request and whether the merchant has a transaction right corresponding to the payment request.
S113: and if the verification is passed, marking the payment request sent by the merchant as a payment request sent by the merchant which has the opened product and has the transaction authority.
In this embodiment, after the aggregated payment cashier desk receives the payment request sent by any merchant, the merchant account opening management module can be used to verify whether the merchant opens the product corresponding to the payment request, and whether the payment request sent by the merchant has the transaction authority is verified through the merchant contract management module and the cash register authority configuration module, if the verification is passed, then the merchant is indicated to have opened the product and possess the transaction authority, at this time, the payment request sent by the merchant can be marked as the payment request sent by the merchant having opened the product and possessing the transaction authority, and generating a payment link of an aggregated payment program operated on a third-party payment platform based on the order number and the corresponding payment mode in the payment request, so that a merchant can access a corresponding payment page through the payment link and then pay by a user.
In one embodiment, the step S120 of generating a payment link of a cash register of an aggregated payment program running on a third party payment platform based on the order number and the corresponding payment method may include:
s121: and converting the order number into a random character string.
S122: and constructing a payment link of an aggregated payment program running on a third-party payment platform by using the random character string and a payment mode corresponding to the order number.
In this embodiment, when the aggregated payment cashier generates the payment link, the order number in the payment request may be converted into a random character string, and the payment link of the aggregated payment program running on the third-party payment platform is constructed by using the random character string and the payment method corresponding to the order number.
The random character string is a globally unique random character string obtained by specially converting an order number, and is in one-to-one correspondence with the order number, and different payment modes can influence parameters carried in a payment link. In particular, the payment link generated by the aggregated payment cashier station may be: "domain name/minipay/random string of aggregated payment platform", of course, the specific payment link may be changed according to the actual situation, and is not limited herein.
In one embodiment, the converting the order number into a random string in S121 may include:
and converting the order number into a random character string according to the validity period of the order number and the preset character length.
In this embodiment, when the order number is converted into the random character string, the preset character length and the validity period corresponding to the order number may be determined first, and then the order number is converted into the random character string by using the validity period of the order number and the preset character length, so that the generated payment link also has a corresponding validity period, and once the order is overtime, the payment link is overtime, thereby ensuring the transaction security.
Further, the character length herein may be set according to actual situations, for example, the character length may be composed of upper and lower case letters and numbers, or may be composed of numbers and characters, and the length may be 8, 10, 18, etc., which is not limited herein.
Finally, it should also be noted that, in this document, relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The embodiments in the present description are described in a progressive manner, each embodiment focuses on differences from other embodiments, the embodiments may be combined as needed, and the same and similar parts may be referred to each other.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. An aggregated payment operation management platform is characterized by comprising a merchant management module, an acquiring application operation module and an aggregated payment cashier desk;
the merchant management module comprises a merchant account opening management module and a merchant contract management module;
the merchant account opening management module is used for managing product information corresponding to products provided for merchants;
the merchant contract management module is used for managing contract information of merchants;
the acquiring application operation module comprises a transaction query module and a cashier desk authority configuration module;
the transaction inquiry module is used for inquiring and managing the transaction information of the merchant;
the cashier authority configuration module is used for configuring the authority of the payment mode which can be used by the user when the merchant collects money from the user through the aggregated payment cashier;
the aggregation payment cashier is used for generating a corresponding payment link according to the payment request of the user so as to enable the user to pay.
2. The platform of claim 1, wherein the merchant account opening management module is configured to perform a process of managing product information corresponding to products provided to merchants, and the process includes:
and newly adding, deleting or modifying the product enumeration value in the product list of the newly added contract function page.
3. The platform of claim 1 or 2, wherein the merchant account opening management module is configured to perform a process of managing product information corresponding to products provided to merchants, and the process includes:
the product enumeration value of the product field in the contract details of each contract is newly added, deleted or modified.
4. The platform of claim 1, wherein the merchant contract management module is configured to perform a process of managing contract information of a merchant, and the process comprises:
the product names in the merchant's contract are added, deleted or modified.
5. The platform of claim 1, wherein the transaction query module is configured to query and manage transaction information of a merchant, and comprises:
adding, deleting or modifying an order source of a merchant, wherein the order source comprises an aggregated payment cashier.
6. The platform of claim 1, wherein the cashier authority configuration module is configured to perform authority configuration on a payment method that can be used by a user when a merchant collects money from a user through an aggregated payment cashier, and the authority configuration process includes:
when a merchant collects money from a user through an aggregation payment cashier, authority management is carried out on the use state of a payment mode which can be used by the user;
wherein the use state comprises deactivated and activated.
7. An aggregated payment method applied to an aggregated payment cashier desk in an aggregated payment operation management platform according to any one of the claims 1-6, wherein the method comprises:
receiving a payment request sent by a merchant who has opened a product and has a transaction right, wherein the payment request comprises an order number and a corresponding payment mode;
and generating a payment link of an aggregated payment program running on a third-party payment platform based on the order number and the corresponding payment mode, wherein the payment link is used for a user to access the corresponding aggregated payment program, and the third-party payment platform is used for paying to the merchant.
8. The method of claim 7, wherein the receiving a payment request from a merchant having an opened product and having a transaction right comprises:
receiving a payment request sent by any merchant;
verifying whether the merchant opens a product corresponding to the payment request and whether the merchant has a transaction right corresponding to the payment request;
and if the verification is passed, marking the payment request sent by the merchant as a payment request sent by the merchant which has the opened product and has the transaction authority.
9. The method of claim 7, wherein generating a payment link for an aggregated payment program cash register running on a third party payment platform based on the order number and a corresponding payment method comprises:
converting the order number into a random character string;
and constructing a payment link of an aggregated payment program running on a third-party payment platform by using the random character string and a payment mode corresponding to the order number.
10. The method of claim 9, wherein converting the order number into a random string comprises:
and converting the order number into a random character string according to the validity period of the order number and the preset character length.
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