CN114493609A - Payment processing method and device - Google Patents

Abstract

Translated fromChinese

本说明书实施例提供了支付处理方法及装置，其中，一种支付处理方法包括：获取商户提交的支付请求，并根据所述支付请求中包含的支付参数创建支付订单；根据所述支付请求中支付类型标识对应的支付方式，确定对所述支付订单进行去重检测的检测支付方式；基于所述支付参数和历史订单集合中读取的所述检测支付方式对应的候选支付订单的订单参数，计算所述支付订单与所述候选支付订单的相关度；若所述相关度满足提醒条件，则向所述商户发送支付确认提醒。

Embodiments of this specification provide a payment processing method and device, wherein a payment processing method includes: acquiring a payment request submitted by a merchant, and creating a payment order according to payment parameters included in the payment request; paying according to the payment request The payment method corresponding to the type identifier, and determine the detection payment method for deduplication detection of the payment order; based on the payment parameters and the order parameters of the candidate payment order corresponding to the detection payment method read in the historical order set, calculate The correlation between the payment order and the candidate payment order; if the correlation satisfies the reminder condition, a payment confirmation reminder is sent to the merchant.

Description

Translated fromChinese

支付处理方法及装置Payment processing method and device

技术领域technical field

本文件涉及数据处理技术领域，尤其涉及一种支付处理方法及装置。This document relates to the technical field of data processing, in particular to a payment processing method and device.

背景技术Background technique

随着互联网和信息技术的不断发展，用户在享受服务的过程中或者享受服务后可通过各种各样的方式进行付款，比如现金支付，电子支付等；在电子支付时，可通过扫描商户收款码或者展示付款码进行支付，此外，用户还可签署代扣协议，在实际支付时根据代扣协议自动代扣，无需用户手动确认。With the continuous development of the Internet and information technology, users can pay in various ways during or after enjoying services, such as cash payment, electronic payment, etc. In addition, the user can also sign a withholding agreement, which will be automatically withheld according to the withholding agreement during actual payment, without the need for manual confirmation by the user.

发明内容SUMMARY OF THE INVENTION

本说明书一个或多个实施例提供了一种支付处理方法。所述支付处理方法，包括：获取商户提交的支付请求，并根据所述支付请求中包含的支付参数创建支付订单。根据所述支付请求中支付类型标识对应的支付方式，确定对所述支付订单进行去重检测的检测支付方式。基于所述支付参数和历史订单集合中读取的所述检测支付方式对应的候选支付订单的订单参数，计算所述支付订单与所述候选支付订单的相关度。若所述相关度满足提醒条件，则向所述商户发送支付确认提醒。One or more embodiments of this specification provide a payment processing method. The payment processing method includes: acquiring a payment request submitted by a merchant, and creating a payment order according to payment parameters included in the payment request. According to the payment method corresponding to the payment type identifier in the payment request, a detection payment method for performing deduplication detection on the payment order is determined. Based on the payment parameters and the order parameters of the candidate payment order corresponding to the detected payment method read in the historical order set, the correlation between the payment order and the candidate payment order is calculated. If the relevancy satisfies the reminder condition, a payment confirmation reminder is sent to the merchant.

本说明书一个或多个实施例提供了一种支付处理装置，包括：订单创建模块，被配置为获取商户提交的支付请求，并根据所述支付请求中包含的支付参数创建支付订单。方式确定模块，被配置为根据所述支付请求中支付类型标识对应的支付方式，确定对所述支付订单进行去重检测的检测支付方式。相关度计算模块，被配置为基于所述支付参数和历史订单集合中读取的所述检测支付方式对应的候选支付订单的订单参数，计算所述支付订单与所述候选支付订单的相关度。若所述相关度满足提醒条件，则运行提醒发送模块，所述提醒发送模块，被配置为向所述商户发送支付确认提醒。One or more embodiments of the present specification provide a payment processing apparatus, comprising: an order creation module configured to acquire a payment request submitted by a merchant, and create a payment order according to payment parameters included in the payment request. The mode determination module is configured to determine the detection payment mode for performing deduplication detection on the payment order according to the payment mode corresponding to the payment type identifier in the payment request. The correlation calculation module is configured to calculate the correlation between the payment order and the candidate payment order based on the payment parameters and the order parameters of the candidate payment order corresponding to the detected payment method read in the historical order set. If the relevance satisfies the reminder condition, the reminder sending module is run, and the reminder sending module is configured to send a payment confirmation reminder to the merchant.

本说明书一个或多个实施例提供了一种支付处理设备，包括：处理器；以及，被配置为存储计算机可执行指令的存储器，所述计算机可执行指令在被执行时使所述处理器：获取商户提交的支付请求，并根据所述支付请求中包含的支付参数创建支付订单。根据所述支付请求中支付类型标识对应的支付方式，确定对所述支付订单进行去重检测的检测支付方式。基于所述支付参数和历史订单集合中读取的所述检测支付方式对应的候选支付订单的订单参数，计算所述支付订单与所述候选支付订单的相关度。若所述相关度满足提醒条件，则向所述商户发送支付确认提醒。One or more embodiments of the present specification provide a payment processing device comprising: a processor; and, a memory configured to store computer-executable instructions that, when executed, cause the processor to: Acquire the payment request submitted by the merchant, and create a payment order according to the payment parameters included in the payment request. According to the payment method corresponding to the payment type identifier in the payment request, a detection payment method for performing deduplication detection on the payment order is determined. Based on the payment parameters and the order parameters of the candidate payment order corresponding to the detected payment method read in the historical order set, the correlation between the payment order and the candidate payment order is calculated. If the relevancy satisfies the reminder condition, a payment confirmation reminder is sent to the merchant.

本说明书一个或多个实施例提供了一种存储介质，用于存储计算机可执行指令，所述计算机可执行指令在被处理器执行时实现以下流程：获取商户提交的支付请求，并根据所述支付请求中包含的支付参数创建支付订单。根据所述支付请求中支付类型标识对应的支付方式，确定对所述支付订单进行去重检测的检测支付方式。基于所述支付参数和历史订单集合中读取的所述检测支付方式对应的候选支付订单的订单参数，计算所述支付订单与所述候选支付订单的相关度。若所述相关度满足提醒条件，则向所述商户发送支付确认提醒。One or more embodiments of this specification provide a storage medium for storing computer-executable instructions, the computer-executable instructions, when executed by a processor, implement the following process: acquiring a payment request submitted by a merchant, and according to the The payment parameters included in the payment request create a payment order. According to the payment method corresponding to the payment type identifier in the payment request, a detection payment method for performing deduplication detection on the payment order is determined. Based on the payment parameters and the order parameters of the candidate payment order corresponding to the detected payment method read in the historical order set, the correlation between the payment order and the candidate payment order is calculated. If the relevancy satisfies the reminder condition, a payment confirmation reminder is sent to the merchant.

附图说明Description of drawings

为了更清楚地说明本说明书一个或多个实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本说明书中记载的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动性的前提下，还可以根据这些附图获得其他的附图；In order to more clearly illustrate one or more embodiments of the present specification or the technical solutions in the prior art, the following briefly introduces the accompanying drawings used in the description of the embodiments or the prior art. Obviously, in the following description The accompanying drawings are only some embodiments described in this specification, and for those of ordinary skill in the art, other drawings can also be obtained from these drawings without creative labor;

图1为本说明书一个或多个实施例提供的一种支付处理方法处理流程图；FIG. 1 is a processing flow chart of a payment processing method provided by one or more embodiments of this specification;

图2为本说明书一个或多个实施例提供的一种应用于停车服务场景的支付处理方法处理流程图；FIG. 2 is a processing flow chart of a payment processing method applied to a parking service scenario provided by one or more embodiments of this specification;

图3为本说明书一个或多个实施例提供的一种支付处理装置示意图；FIG. 3 is a schematic diagram of a payment processing apparatus provided by one or more embodiments of this specification;

图4为本说明书一个或多个实施例提供的一种支付处理设备的结构示意图。FIG. 4 is a schematic structural diagram of a payment processing device according to one or more embodiments of this specification.

具体实施方式Detailed ways

为了使本技术领域的人员更好地理解本说明书一个或多个实施例中的技术方案，下面将结合本说明书一个或多个实施例中的附图，对本说明书一个或多个实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本说明书的一部分实施例，而不是全部的实施例。基于本说明书一个或多个实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都应当属于本文件的保护范围。In order to make those skilled in the art better understand the technical solutions in one or more embodiments of this specification, the following will describe the technical solutions in one or more embodiments of this specification with reference to the accompanying drawings in one or more embodiments of this specification. The technical solution is clearly and completely described, and obviously, the described embodiments are only a part of the embodiments of the present specification, rather than all the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by persons of ordinary skill in the art without creative work shall fall within the protection scope of this document.

本说明书提供的一种支付处理方法实施例：An embodiment of a payment processing method provided in this specification:

参照图1，其示出了本实施例提供的一种支付处理方法处理流程图，参照图2，其示出了本实施例提供的一种应用于停车服务场景的支付处理方法处理流程图。Referring to FIG. 1 , it shows a processing flow chart of a payment processing method provided by this embodiment, and referring to FIG. 2 , which shows a processing flow chart of a payment processing method applied to a parking service scenario provided by this embodiment.

参照图1，本实施例提供的支付处理方法，具体包括步骤S102至步骤S108。Referring to FIG. 1 , the payment processing method provided in this embodiment specifically includes steps S102 to S108.

步骤S102，获取商户提交的支付请求，并根据所述支付请求中包含的支付参数创建支付订单。Step S102, acquiring the payment request submitted by the merchant, and creating a payment order according to the payment parameters included in the payment request.

实际应用中，在电子支付包括当面扫码支付和代扣支付等多种支付方式，但当商户网络或者支付平台出现网络抖动或者延迟后，会导致支付平台无法及时接收交易请求或者无法及时返回扣款结果，且代扣支付无需用户手动确认，导致用户在服务点等待时间过长而采用其他方式付款，但采用其他方式扣款后，用户离开服务点后还会按照代扣协议进行支付，给用户造成重复扣款的不好体验。In practical applications, electronic payment includes various payment methods such as face-to-face scan code payment and withholding payment. However, when the merchant network or payment platform experiences network jitter or delay, the payment platform cannot receive transaction requests in time or cannot return the deduction in time. However, after the payment is deducted by other methods, the user will pay according to the withholding agreement after leaving the service point. Users cause a bad experience with repeated debits.

本实施例提供的支付处理方法，通过对不同支付方式的订单进行检测来判断是否存在与支付订单的相关度高的历史支付订单，以确定支付订单是否为重复支付订单；具体的，在创建支付订单后，对支付订单和与支付订单的支付方式不同的历史支付订单进行相关度的计算，在相关度满足提醒条件的情况下，向商户发送支付确认提醒，以使商户对当前的支付订单进行确认，以此，在计算获得与支付订单相关度高的历史支付订单的情况下暂停对支付订单的支付处理，向商户进行确认，以此避免重复支付，提升用户的支付体验。The payment processing method provided by this embodiment determines whether there is a historical payment order with a high degree of correlation with the payment order by detecting orders in different payment methods, so as to determine whether the payment order is a repeated payment order; After the order is placed, the correlation between the payment order and the historical payment orders with different payment methods from the payment order is calculated, and if the correlation meets the reminder conditions, a payment confirmation reminder is sent to the merchant, so that the merchant can process the current payment order. Confirm, in this way, in the case of obtaining a historical payment order with a high degree of correlation with the payment order, suspend the payment processing of the payment order, and confirm to the merchant, so as to avoid repeated payment and improve the user's payment experience.

本实施例所述支付参数，包括交易过程中携带的表征交易过程的信息。所述支付订单，包括基于支付请求中包含的支付参数生成的，还未完成支付的订单。The payment parameters in this embodiment include information that is carried in the transaction process and represents the transaction process. The payment order includes an order that is generated based on payment parameters included in the payment request and has not yet been paid.

具体实施时，获取到商户提交的支付请求，则根据支付请求中包含的支付参数创建支付订单。During specific implementation, after obtaining the payment request submitted by the merchant, a payment order is created according to the payment parameters included in the payment request.

例如，停车服务商在车辆到达停车场出口时计算本次停车费用，并发起支付请求，支付请求中携带车辆标识、停车费用、商户订单号、停车场标识、停车时长、停车场位置和支付位置，根据支付请求中携带的车辆标识、停车费用、商户订单号、停车场标识、停车时长、停车场位置和支付位置创建该支付请求对应的支付订单。For example, the parking service provider calculates the parking fee when the vehicle arrives at the exit of the parking lot, and initiates a payment request. The payment request carries the vehicle identification, parking fee, merchant order number, parking lot identification, parking duration, parking lot location and payment location. , and create a payment order corresponding to the payment request according to the vehicle identification, parking fee, merchant order number, parking lot identification, parking duration, parking lot location and payment location carried in the payment request.

步骤S104，根据所述支付请求中支付类型标识对应的支付方式，确定对所述支付订单进行去重检测的检测支付方式。Step S104, according to the payment method corresponding to the payment type identifier in the payment request, determine a detection payment method for performing deduplication detection on the payment order.

本实施例中所述支付方式，包括用户针对商户提供的服务进行支付时采用的支付手段；包括扫码支付方式和代扣支付方式；其中，扫码支付方式包括商户扫描用户出示的付款码和/或用户扫描商户的收款码。所述检测支付方式，包括与支付请求对应的支付方式不同的支付方式。The payment method described in this embodiment includes the payment method used by the user to pay for the service provided by the merchant; including the scanning code payment method and the withholding payment method; wherein, the scanning code payment method includes the merchant scanning the payment code presented by the user and / or the user scans the merchant's payment code. The detecting payment method includes a payment method different from the payment method corresponding to the payment request.

实际应用中，针对同一种支付方式，在一定时间阈值内很难产生两笔一样的支付；例如代扣支付方式，如果已经完成一次代扣支付，则无法在一定时间范围内再次使用代扣支付；再例如，在扫码支付方式下，如果用户已经出示自己的付款码且用户确认商户已经扫码，则用户不会在短时间内再次就同一笔订单出示自己的付款码。In practical applications, for the same payment method, it is difficult to generate two identical payments within a certain time threshold; for example, withholding payment methods, if a withholding payment has been completed, the withholding payment cannot be used again within a certain period of time. ; For another example, under the scanning code payment method, if the user has presented his payment code and the user confirms that the merchant has scanned the code, the user will not show his payment code again for the same order in a short time.

具体实施时，为了提升对支付订单进行去重检测的效率，本实施例提供的一种可选实施方式中，采用如下方式确定检测支付方式：During specific implementation, in order to improve the efficiency of deduplication detection for payment orders, in an optional implementation manner provided by this embodiment, the detection and payment method is determined in the following manner:

基于所述支付类型标识，确定所述支付请求对应的所述支付方式；determining the payment method corresponding to the payment request based on the payment type identifier;

在支付方式集合中确定所述支付方式之外的剩余支付方式作为所述检测支付方式。In the payment method set, the remaining payment methods other than the payment methods are determined as the detection payment methods.

所述支付方式集合，包括记录不同支付方式的集合；其中记录的支付方式包括：码(用户扫描商户的收款码和商户扫描用户的付款码)支付方式、现金支付方式和/或代扣支付方式。The set of payment methods includes a set of recorded different payment methods; wherein the recorded payment methods include: code (the user scans the merchant's collection code and the merchant scans the user's payment code) payment method, cash payment method and/or withholding payment Way.

具体的，根据支付请求中包含的支付类型标识，确定支付请求对应的支付方式，然后在支付方式集合中确定支付请求对应的支付方式之外的支付方式作为对支付订单进行去重检测的检测支付方式。Specifically, the payment method corresponding to the payment request is determined according to the payment type identifier included in the payment request, and then a payment method other than the payment method corresponding to the payment request is determined in the payment method set as the detection payment for deduplicating the payment order. Way.

例如，获取到停车服务商提交的支付请求，根据支付请求中携带的支付类型标识，确定支付请求或者支付订单对应的支付方式为码支付方式，则在支付方式集合中确定码支付方式之外的代扣支付方式为对支付订单进行去重检测的检测支付方式。For example, after obtaining the payment request submitted by the parking service provider, and according to the payment type identifier carried in the payment request, it is determined that the payment method corresponding to the payment request or the payment order is the code payment method, and then the payment method other than the code payment method is determined in the payment method set. The withholding payment method is the detection payment method for deduplication detection of the payment order.

步骤S106，基于所述支付参数和历史订单集合中读取的所述检测支付方式对应的候选支付订单的订单参数，计算所述支付订单与所述候选支付订单的相关度。Step S106: Calculate the correlation between the payment order and the candidate payment order based on the payment parameters and the order parameters of the candidate payment order corresponding to the detected payment method read in the historical order set.

本实施例所述历史订单集合中，存放已经完成支付的历史支付订单；所述候选支付订单，包括在历史订单集合中读取到的用于对支付订单进行去重检测的历史支付订单。所述相关度，包括所述支付订单与所述候选支付订单的匹配度或者相似度。In the historical order collection of this embodiment, historical payment orders that have been paid are stored; the candidate payment orders include historical payment orders read in the historical order collection and used for deduplication detection of payment orders. The degree of correlation includes the degree of matching or similarity between the payment order and the candidate payment order.

具体实施时，由于历史订单集合中存放的历史支付订单数量很多，若只根据检测支付方式确定候选支付订单，读取到的候选支付订单的数量也比较大，在进行相关度计算时会由于数据较多降低计算效率；During specific implementation, due to the large number of historical payment orders stored in the historical order collection, if candidate payment orders are only determined based on the detection payment method, the number of read candidate payment orders is also relatively large. The calculation efficiency is greatly reduced;

由于支付订单中的支付对象的类别不同，因此，对候选支付订单的确定的过程也不相同，为了提升候选支付订单的精确度，提升相关度的计算效率，本实施例提供两种确定候选支付订单的方式，以下分别对两种确定候选支付订单的方式进行具体说明。Since the categories of payment objects in the payment orders are different, the process of determining the candidate payment orders is also different. In order to improve the accuracy of the candidate payment orders and the calculation efficiency of the correlation degree, this embodiment provides two methods for determining the candidate payment orders. In the following, the two methods of determining candidate payment orders will be described in detail.

第一种：在可以用支付对象对支付订单进行区分的情况下，为了提升确定的候选支付订单的有效性，本实施例提供的一种可选实施方式中，采用如下方式确定候选支付订单：The first: in the case where payment orders can be distinguished by payment objects, in order to improve the validity of the determined candidate payment orders, in an optional implementation manner provided by this embodiment, the candidate payment orders are determined in the following manner:

根据所述支付参数中包含的支付对象标识和/或支付时间，在所述历史订单集合中筛选中间支付订单；Screening intermediate payment orders in the historical order set according to the payment object identifier and/or the payment time contained in the payment parameters;

将所述中间支付订单中所述检测支付方式对应的历史支付订单确定为所述候选支付订单。A historical payment order corresponding to the detected payment method in the intermediate payment order is determined as the candidate payment order.

其中，支付对象包括用于交易的商品或者服务；例如，车辆在停车场停车后的支付订单中，车辆标识即为支付对象；再例如，购买商品后的支付订单中，商品即为支付对象。Among them, the payment object includes the goods or services used for the transaction; for example, in the payment order after the vehicle is parked in the parking lot, the vehicle identifier is the payment object; for another example, in the payment order after purchasing the commodity, the commodity is the payment object.

具体的，根据支付参数中包含的支付对象标识和支付时间，在历史订单集合中筛选出订单参数中的支付对象标识与支付参数中的支付对象标识一致，且订单参数中的支付时间与支付参数中的支付时间的差值小于时间阈值的历史支付订单作为中间支付订单，再将中间支付订单中支付方式为检测支付方式的历史支付订单确定为对支付订单进行去重检测的候选支付订单。Specifically, according to the payment object identification and payment time included in the payment parameters, the payment object identification in the order parameters is screened out from the historical order set and the payment object identification in the payment parameters is consistent with the payment object identification in the payment parameters, and the payment time in the order parameters is consistent with the payment parameters. The historical payment order whose difference in payment time is less than the time threshold is regarded as an intermediate payment order, and then the historical payment order whose payment method is the detection payment method in the intermediate payment order is determined as a candidate payment order for deduplication detection of the payment order.

沿用上例，确定对停车服务商提交的支付请求创建的支付订单进行去重检测的检测支付方式为代扣支付方式，首先在历史订单集合中读取订单中的车辆标识与支付请求中携带的车辆标识一致的历史支付订单，再从读取到的历史支付订单中确定订单的支付时间与支付请求中携带的支付时间的差值小于时间阈值的历史支付订单作为中间支付订单；最后从中间支付订单中确定支付方式为代扣支付方式的历史支付订单作为对支付订单进行去重检测的候选支付订单。Following the above example, it is determined that the detection and payment method for deduplication detection of the payment order created by the payment request submitted by the parking service provider is the withholding payment method. The historical payment order with the same vehicle identification, and then determine the historical payment order whose difference between the payment time of the order and the payment time carried in the payment request is less than the time threshold from the read historical payment order as an intermediate payment order; The historical payment order whose payment method is determined as the withholding payment method in the order is regarded as the candidate payment order for deduplication detection of the payment order.

需要说明的是，上述是对根据支付对象标识和支付时间两者确定中间支付订单的过程进行的说明，为了提升计算的全面性，还可采用支付对象标识和支付时间两者中任意一者确定中间支付订单；例如，在确定检测支付方式后，在历史订单集合中筛选出订单参数中包含的支付对象标识与支付参数中包含的支付对象标识一致的历史支付订单作为中间支付订单，将中间支付订单中支付方式为检测支付方式的历史支付订单确定为对支付订单进行去重检测的候选支付订单。It should be noted that the above is a description of the process of determining the intermediate payment order according to both the payment object identifier and the payment time. In order to improve the comprehensiveness of the calculation, either the payment object identifier or the payment time can also be used to determine. Intermediate payment order; for example, after determining the payment method for detection, the historical payment order whose payment object ID contained in the order parameters is consistent with the payment object ID included in the payment parameters is selected from the historical order collection as the intermediate payment order, and the intermediate payment order is selected as the intermediate payment order. A historical payment order whose payment method is the detection payment method in the order is determined as a candidate payment order for performing deduplication detection on the payment order.

第二种：在一些交易场景中，存在支付对象一致的情况。针对这种情况，本实施例提供的一种可选实施方式中，采用如下方式确定候选支付订单：The second: In some transaction scenarios, there is a situation where the payment objects are the same. In response to this situation, in an optional implementation manner provided by this embodiment, the candidate payment order is determined in the following manner:

根据所述支付参数中包含的支付账户标识确定所述支付请求对应的用户标识；Determine the user identifier corresponding to the payment request according to the payment account identifier included in the payment parameter;

在所述历史订单集合中筛选出所述用户标识对应的历史支付订单，获得订单子集；Filtering out the historical payment orders corresponding to the user IDs in the historical order collection to obtain an order subset;

将所述订单子集中所述检测支付方式对应的历史支付订单确定为所述候选支付订单。A historical payment order corresponding to the detected payment method in the order subset is determined as the candidate payment order.

具体的，在确定检测支付方式之后，首先根据支付参数中包含的支付账户标识确定对应的用户标识，然后筛选出历史订单集合中该用户标识对应的历史支付订单，将筛选获得的历史支付订单构成的订单子集中检测支付方式对应的历史支付订单确定为对支付订单进行去重检测的候选支付订单。Specifically, after the detection payment method is determined, the corresponding user ID is first determined according to the payment account ID included in the payment parameters, and then the historical payment orders corresponding to the user ID in the historical order collection are screened out, and the historical payment orders obtained by screening are composed of The historical payment order corresponding to the detected payment method in the order subset of , is determined as the candidate payment order for deduplication detection of the payment order.

其中，在筛选历史订单集合中该用户标识对应的历史支付订单的过程中，首先查询与用户标识绑定的可用账户标识，再读取历史订单集合中可用账户标识对应的历史支付订单。Wherein, in the process of screening the historical payment orders corresponding to the user ID in the historical order collection, first query the available account ID bound to the user ID, and then read the historical payment order corresponding to the available account ID in the historical order collection.

例如，用户购买某商品，由于商品名称一致，因此无法利用商品名称进行区分，这种情况下，利用支付账户标识确定候选支付订单。具体的，首先读取支付参数中包含的支付账户标识，然后查询支付账户标识绑定该用户的可用账户标识，再在历史订单集合中读取订单参数中的支付账户标识为可用账户标识的历史支付订单，将读取到的历史支付订单中支付方式为检测支付方式的历史支付订单确定为候选支付订单。For example, when a user purchases a certain commodity, the commodity name cannot be used to distinguish it due to the same commodity name. In this case, the payment account identifier is used to determine the candidate payment order. Specifically, first read the payment account ID contained in the payment parameters, then query the payment account ID to bind the user's available account ID, and then read the history of the payment account ID in the order parameters as the available account ID in the historical order collection For a payment order, a historical payment order whose payment method is the detection payment method among the read historical payment orders is determined as a candidate payment order.

具体实施时，确定候选支付订单后，基于支付参数和候选支付订单的订单参数计算支付订单和候选支付订单的相关度，以利用相关度确定是否对支付订单进行支付处理。In specific implementation, after the candidate payment order is determined, the correlation between the payment order and the candidate payment order is calculated based on the payment parameters and the order parameters of the candidate payment order, so as to use the correlation to determine whether to perform payment processing on the payment order.

本实施例提供的第一种可选实施方式中，采用如下方式计算支付订单与候选支付订单的相关度：In the first optional implementation manner provided by this embodiment, the correlation between the payment order and the candidate payment order is calculated in the following manner:

确定所述支付参数中的定量支付参数和变量支付参数，以及确定所述订单参数中的定量订单参数和变量订单参数；determining quantitative payment parameters and variable payment parameters in the payment parameters, and determining quantitative order parameters and variable order parameters in the order parameters;

计算所述定量支付参数和所述定量订单参数的第一相关度，以及所述变量支付参数与所述变量订单参数的第二相关度；calculating a first correlation between the quantitative payment parameter and the quantitative order parameter, and a second correlation between the variable payment parameter and the variable order parameter;

根据所述第一相关度、所述第二相关度和对应的相关权重，计算所述相关度。The correlation is calculated according to the first correlation, the second correlation and the corresponding correlation weight.

所述定量支付参数，包括能够表征唯一性的支付参数；即对定量支付参数进行比对后仅有一致和不一致两种结果；所述变量支付参数，包括允许出现一定误差的支付参数；对变量支付参数进行比对，允许存在误差，不仅仅只包含一致和不一致两种结果。可选的，所述定量支付参数，包括：车辆标识、停车费用、收款账户标识和/或停车场标识；所述变量支付参数，包括下述至少一项：支付时间、停车时长、停车场位置、支付位置。The quantitative payment parameters include payment parameters that can characterize uniqueness; that is, after comparing the quantitative payment parameters, there are only two results: consistent and inconsistent; the variable payment parameters include payment parameters that allow certain errors; The payment parameters are compared, and errors are allowed, not only the results of consistency and inconsistency. Optionally, the quantitative payment parameters include: vehicle identification, parking fee, collection account identification and/or parking lot identification; the variable payment parameters include at least one of the following: payment time, parking time, parking lot location, payment location.

其中，第一相关度包括目标相关度和异常相关度两种结果，即一致和不一致两种结果对应的相关度；目标相关度为一致的情况下的相关度，异常相关度为不一致的情况下的相关度。具体的，比对支付参数中的定量支付参数与订单参数中对应的定量订单参数是否一致，根据比对结果计算第一相关度，并且对支付参数中的变量支付参数和订单参数中的变量订单参数进行比对，计算第二相关度，最后，根据第一相关度、第二相关度和对应的相关权重计算支付订单和候选支付订单的相关度。Among them, the first correlation degree includes two kinds of results, the target correlation degree and the abnormal correlation degree, that is, the correlation degree corresponding to the two results that are consistent and inconsistent; the correlation degree when the target correlation degree is consistent, and the abnormal correlation degree is inconsistent when the degree of correlation. Specifically, the quantitative payment parameters in the payment parameters are compared with the corresponding quantitative order parameters in the order parameters, the first correlation is calculated according to the comparison result, and the variable payment parameters in the payment parameters and the variable order in the order parameters are compared. The parameters are compared, the second correlation is calculated, and finally, the correlation between the payment order and the candidate payment order is calculated according to the first correlation, the second correlation and the corresponding correlation weight.

例如，确定对基于停车服务商提交的支付请求创建的支付订单进行区中核验的候选支付订单后，针对候选支付订单中任一候选支付订单，采用如下方式计算支付订单与该候选支付订单的相似度：比对支付订单对应的支付参数中包含的的车辆标识与候选支付订单对应的订单参数中包含的车辆标识是否一致，比对支付参数中包含的停车费用与订单参数中包含的停车费用是否一致，比对支付参数中包含的收款账户标识与订单参数中包含的收款账户标识是否一致，比对支付参数中包含的停车场标识对应的停车场与订单参数中包含的停车场标识对应的停车场是否一致；若有一者或者多者不一致，则确定定量相关度为不一致对应的异常相关度x1；若都一致，则确定定量相关度为一致对应的目标相关度x2，同时，计算支付参数中包含的支付时间与订单参数中包含的支付时间的时间差值t，以及计算支付参数中的支付位置与订单参数中的订单位置的位置比值p，若定量相关度为目标相关度x2，则x2×r1％+t×r2％+p×r3％(r1％+r2％+r3％＝1)获得相关度。For example, after determining a candidate payment order for regional verification of the payment order created based on the payment request submitted by the parking service provider, for any candidate payment order in the candidate payment order, the following method is used to calculate the similarity between the payment order and the candidate payment order Degree: Compare whether the vehicle identification contained in the payment parameters corresponding to the payment order is consistent with the vehicle identification contained in the order parameters corresponding to the candidate payment order, and compare whether the parking fee contained in the payment parameter is the same as the parking fee contained in the order parameter. Consistent, check whether the collection account ID included in the payment parameters is consistent with the collection account ID included in the order parameters, and compare the parking lot corresponding to the parking lot ID included in the payment parameters with the parking lot ID included in the order parameters. Whether the parking lots are consistent; if one or more of them are inconsistent, the quantitative correlation is determined as the abnormal correlation x1 corresponding to the inconsistency; if they are all consistent, the quantitative correlation is determined as the target correlation x2 corresponding to the consistent, at the same time, calculate the payment The time difference t between the payment time included in the parameter and the payment time included in the order parameter, and the position ratio p between the payment position in the payment parameter and the order position in the order parameter, if the quantitative correlation is the target correlation x2, Then x2×r1%+t×r2%+p×r3% (r1%+r2%+r3%=1) obtains the correlation degree.

由于在不同的支付方式下，对应的停车场标识可能不同，因此，在进行定量支付参数的比对过程中，根据停车场标识确定对应的停车场，再判断支付参数对应的停车场和订单参数对应的停车场是否一致。上述对于定量支付参数和变量支付参数的举例仅仅是示例性的，本实施例对实际中参与相关度计算的变量支付参数和定量支付参数不做限定。Since the corresponding parking lot identifiers may be different under different payment methods, in the process of comparing the quantitative payment parameters, the corresponding parking lot is determined according to the parking lot identifier, and then the parking lot and order parameters corresponding to the payment parameters are determined. Whether the corresponding parking lot is the same. The above examples of quantitative payment parameters and variable payment parameters are only exemplary, and this embodiment does not limit the variable payment parameters and quantitative payment parameters involved in the correlation calculation in practice.

需要说明的是，上述对于相关度的计算过程仅仅是针对支付订单和一个候选支付订单的相关度的计算过程进行说明，实际应用中，确定的候选支付订单可能存在多个，具体计算支付订单与至少一个候选支付订单中任一候选支付订单的相关度的过程，参见上述相关度的计算过程，本实施例在此不再赘述。It should be noted that the above calculation process for the correlation is only described for the calculation process of the correlation between a payment order and a candidate payment order. In practical applications, there may be multiple candidate payment orders. For the process of the correlation degree of any candidate payment order in the at least one candidate payment order, refer to the above-mentioned calculation process of the correlation degree, which is not repeated in this embodiment.

除此之外，在计算第一相关度时，可以一个定量支付参数的比对结果对应一个第一相关度，也可以多个定量支付参数的比对结果对应一个第一相关度；若一个定量支付参数的比对结果对应一个第一相关度，在计算相关度时为每个第一相关参数设定一个相关权重，本实施例在此不做限定。In addition, when calculating the first correlation degree, the comparison result of one quantitative payment parameter may correspond to one first correlation degree, or the comparison result of multiple quantitative payment parameters may correspond to one first correlation degree; The comparison result of the payment parameters corresponds to a first correlation degree, and a correlation weight is set for each first correlation parameter when calculating the correlation degree, which is not limited in this embodiment.

本实施例提供的第二种可选实施方式中，采用如下方式计算支付订单与候选支付订单的相关度：In the second optional implementation manner provided by this embodiment, the correlation between the payment order and the candidate payment order is calculated in the following manner:

(a)确定所述支付参数中的定量支付参数与所述订单参数中的定量订单参数的第一相关度；(a) determining the first correlation between the quantitative payment parameters in the payment parameters and the quantitative order parameters in the order parameters;

本实施例提供的一种可选实施方式中，采用如下方式计算第一相关度：In an optional implementation manner provided by this embodiment, the first correlation degree is calculated in the following manner:

比对所述支付参数中包含的支付对象标识与所述订单参数中包含的支付对象标识、所述支付参数中包含的支付费用与所述订单参数中包含的支付费用和/或所述支付参数中包含的收款账户标识与所述订单参数中包含的收款账户标识是否一致；Compare the payment object identifier included in the payment parameter with the payment object identifier included in the order parameter, the payment fee included in the payment parameter and the payment fee included in the order parameter and/or the payment parameter Whether the ID of the collection account contained in the order is consistent with the ID of the collection account included in the order parameters;

若是，则将目标相关度作为所述第一相关度；If so, take the target relevance as the first relevance;

若否，则将异常相关度作为所述第一相关度。If not, the abnormal correlation degree is taken as the first correlation degree.

具体的，比对支付参数中的定量支付参数和订单参数中的定量订单参数是否一致，若一致，则将目标相关度作为第一相关度；若不一致，则将异常相关度作为第一相关度。需要说明的是，本实施例对实际参与定量比对的定量支付参数不做限定。Specifically, compare whether the quantitative payment parameters in the payment parameters and the quantitative order parameters in the order parameters are consistent. If they are consistent, the target correlation is used as the first correlation; if they are inconsistent, the abnormal correlation is used as the first correlation. . It should be noted that this embodiment does not limit the quantitative payment parameters actually participating in the quantitative comparison.

在停车场场景下，可选的，所述定量支付参数，包括：车辆标识、停车费用、收款账户标识和/或停车场标识；所述变量支付参数，包括下述至少一项：支付时间、停车时长、停车场位置、支付位置。In a parking lot scenario, optionally, the quantitative payment parameters include: vehicle identification, parking fee, collection account identification and/or parking lot identification; the variable payment parameters include at least one of the following: payment time , parking duration, parking lot location, payment location.

(b)若所述第一相关度满足匹配条件，则计算所述支付参数中的变量支付参数与所述订单参数中的变量订单参数的第二相关度；(b) if the first correlation satisfies the matching condition, calculating the second correlation between the variable payment parameter in the payment parameter and the variable order parameter in the order parameter;

本实施例提供的一种可选实施方式中，所述匹配条件，包括：In an optional implementation manner provided by this embodiment, the matching conditions include:

所述第一相关度为所述目标相关度；The first correlation is the target correlation;

相应的，所述方法还包括：Correspondingly, the method further includes:

若所述第一相关度为所述异常相关度，则确定所述相关度不满足所述提醒条件，并对所述支付订单进行支付处理。If the first correlation is the abnormal correlation, it is determined that the correlation does not satisfy the reminder condition, and payment processing is performed on the payment order.

在确定第一相关度后，对第一相关度进行判断，判断第一相关度是否满足匹配条件，若第一相关度满足匹配条件，则计算支付参数中的变量支付参数和订单参数中的变量订单参数的第二相关度；若第一相关度不满足匹配条件，则确定相关度不满足提醒条件，直接对支付订单进行支付处理。After the first correlation degree is determined, the first correlation degree is judged to determine whether the first correlation degree satisfies the matching condition, and if the first correlation degree satisfies the matching condition, the variable payment parameter in the payment parameter and the variable in the order parameter are calculated. The second correlation degree of the order parameter; if the first correlation degree does not meet the matching condition, it is determined that the correlation degree does not meet the reminder condition, and the payment processing is directly performed on the payment order.

本实施例提供的一种可选实施方式中，在第一相关度满足匹配条件的情况下，采用如下方式计算第二相关度：In an optional implementation manner provided by this embodiment, when the first correlation degree satisfies the matching condition, the second correlation degree is calculated in the following manner:

计算所述支付参数中包含的支付时间与所述订单参数中包含的支付时间的时间差值；Calculate the time difference between the payment time included in the payment parameter and the payment time included in the order parameter;

计算所述支付参数中包含的支付位置与所述订单参数中包含的支付位置的位置比值；Calculate the position ratio of the payment position included in the payment parameter and the payment position included in the order parameter;

将所述时间差值、所述位置比值确定为所述第二相关度。The time difference and the position ratio are determined as the second correlation.

(c)基于所述第二相关度与对应的相关权重，计算所述相关度。(c) calculating the correlation based on the second correlation and the corresponding correlation weight.

获取到第二相关度的情况下，本实施例提供的一种可选实施方式中，采用如下方式计算相关度：When the second correlation degree is obtained, in an optional implementation manner provided by this embodiment, the correlation degree is calculated in the following manner:

计算所述时间差值与时间权重的乘积获得时间相关度，以及计算所述位置比值与位置权重的乘积获得位置相关度；calculating the product of the time difference and the time weight to obtain a time correlation, and calculating the product of the position ratio and the position weight to obtain a position correlation;

计算所述时间相关度与所述位置相关度的和，获得所述相关度。The correlation degree is obtained by calculating the sum of the time correlation degree and the position correlation degree.

在计算第二相关度的过程中计算获得时间差值和位置比值后，分别给时间差值和位置比值乘以对应的相关权重，并将乘积相加获得相关度。In the process of calculating the second correlation degree, after the time difference value and the position ratio value are calculated and obtained, the time difference value and the position ratio value are respectively multiplied by the corresponding correlation weights, and the products are added together to obtain the correlation degree.

具体的，首先比对支付参数中包含的支付对象标识与订单参数中包含的支付对象标识，支付参数中包含的支付费用和订单参数中包含的支付费用以及支付参数中包含的收款账户标识和订单参数中包含的收款账户标识是否一致，若一致，将目标相关度作为定量支付参数和定量订单参数的第一相关度；若不一致，将异常相关度作为第一相关度；若第一相关度为异常相关参数，则对支付订单进行支付处理；若第一相关度为目标相关度，则计算支付参数中包含的支付时间和订单参数中包含的支付时间的时间差值，以及支付参数中包含的支付位置和订单参数中包含的支付位置的位置比值，再计算时间差值与时间权重的乘积与位置比值与位置权重的乘积的和作为支付订单和候选支付订单的相关度。Specifically, first compare the payment object identifier included in the payment parameter with the payment object identifier included in the order parameter, the payment fee included in the payment parameter and the payment fee included in the order parameter, and the collection account identifier included in the payment parameter and Whether the receiving account identifiers contained in the order parameters are consistent, if they are consistent, the target correlation is used as the first correlation between the quantitative payment parameter and the quantitative order parameter; if they are inconsistent, the abnormal correlation is used as the first correlation; if the first correlation If the first correlation degree is the target correlation degree, the time difference between the payment time included in the payment parameters and the payment time included in the order parameters is calculated, as well as the time difference in the payment parameters. The included payment position and the position ratio of the payment position included in the order parameters, and then calculate the sum of the product of the time difference and the time weight and the product of the position ratio and the position weight as the correlation between the payment order and the candidate payment order.

需要说明的是，上述对于支付参数中的定量支付参数和变量支付参数的说明仅仅是示例性的，相应的，用于比对的定量订单参数和变量订单参数是对应示例的，实际计算过程中需要用到的定量支付参数和变量支付参数可根据实际需要进行确定，本实施例在此不做限定。It should be noted that the above descriptions of the quantitative payment parameters and variable payment parameters in the payment parameters are only exemplary. Correspondingly, the quantitative order parameters and variable order parameters used for comparison are corresponding examples. In the actual calculation process The quantitative payment parameters and variable payment parameters to be used may be determined according to actual needs, which are not limited in this embodiment.

步骤S108，若所述相关度满足提醒条件，则向所述商户发送支付确认提醒。Step S108, if the correlation satisfies the reminder condition, send a payment confirmation reminder to the merchant.

本实施例中，所述提醒条件，包括：所述相关度不处于预设置信区间。In this embodiment, the reminder condition includes: the correlation is not within a preset confidence interval.

具体实施时，在计算获得相关度后，判断相关度是否满足提醒条件，为了避免用户被重复收款，提升用户资金的安全性，提高用户对支付平台的感知程度，若相关度满足提醒条件，则拦截本次支付，暂停对支付订单的支付操作，基于所述相关度以及对应的候选支付订单生成支付确认提醒并向所述商户发送，本实施例提供的一种可选实施方式中，若所述相关度不满足所述提醒条件，则对所述支付订单进行支付处理。In specific implementation, after calculating and obtaining the correlation degree, it is determined whether the correlation degree satisfies the reminder condition. In order to avoid the user being repeatedly charged, improve the security of the user's funds, and improve the user's perception of the payment platform, if the correlation degree satisfies the reminder condition, Then intercept the current payment, suspend the payment operation for the payment order, generate a payment confirmation reminder based on the correlation and the corresponding candidate payment order and send it to the merchant. In an optional implementation provided by this embodiment, if If the relevancy does not meet the reminder condition, the payment order is processed for payment.

在向商户发送支付确认提醒后，根据商户基于支付确认提醒提交的操作指令进行处理，具体的，本实施例提供的一种可选实施方式中，若商户基于支付确认提醒提交确认指令，则根据针对所述支付确认提醒的确认指令，对所述支付订单进行支付处理；若商户基于支付确认提醒提交取消指令，则根据针对所述支付确认提醒的取消指令，对所述支付订单进行终止支付标记。After sending the payment confirmation reminder to the merchant, processing is performed according to the operation instruction submitted by the merchant based on the payment confirmation reminder. According to the confirmation instruction of the payment confirmation reminder, the payment processing is performed on the payment order; if the merchant submits a cancellation instruction based on the payment confirmation reminder, the payment order is marked as termination payment according to the cancellation instruction for the payment confirmation reminder. .

需要说明的是，若存在多个候选支付订单与支付订单的相关度处于预设置信区间，则确定相关度最大的候选支付订单作为支付订单的疑似重复订单。It should be noted that, if there are multiple candidate payment orders whose correlations with the payment orders are within the preset confidence interval, the candidate payment order with the highest correlation is determined as a suspected duplicate order of the payment order.

实际应用中，用户在付款后对订单有疑问，需要查询相关的疑似重复订单(即：与支付订单的相关度满足提醒提醒条件的候选支付订单)；本实施例提供的支付处理方式，一方面通过在对支付订单进行支付的过程中则查询疑似重复订单，并根据商户对疑似重复订单的确认指令进行支付处理，避免造成用户的重复支付，降低由于重复支付导致的退款成本；另一方面，在用户发起对支付订单的订单核验请求的情况下，仅查询支付订单是否存在疑似重复订单即可，提升订单核验的效率，提升用户对支付平台的感知程度和信任度。In practical applications, the user has questions about the order after payment, and needs to inquire about the relevant suspected duplicate orders (that is, the candidate payment orders whose correlation with the payment order satisfies the reminder reminder condition); the payment processing method provided in this embodiment, on the one hand, In the process of paying for the payment order, the suspected duplicate order is inquired, and the payment processing is performed according to the confirmation instruction of the merchant for the suspected duplicate order, so as to avoid the repeated payment of the user and reduce the cost of refund caused by the repeated payment; on the other hand , when a user initiates an order verification request for a payment order, it is only necessary to query whether there is a suspected duplicate order in the payment order, which improves the efficiency of order verification and improves the user's perception and trust in the payment platform.

本实施例提供的一种可选实施方式中，用户可通过商户进行订单核验，也可通过本实施例的执行主体支付平台对应的应用进行订单核验，若用户通过支付平台对应的应用对支付订单进行核验，则执行如下步骤：In an optional implementation manner provided by this embodiment, the user can verify the order through the merchant, or can verify the order through the application corresponding to the payment platform of the execution entity in this embodiment. If the user pays the order through the application corresponding to the payment platform To verify, perform the following steps:

获取针对所述支付订单的订单核验请求；obtaining an order verification request for the payment order;

基于所述订单核验请求，查询与所述支付订单的相关度满足所述提醒条件的相关支付订单；Based on the order verification request, query the relevant payment orders whose relevancy with the payment order satisfies the reminder condition;

根据所述相关支付订单生成核验结果。A verification result is generated according to the relevant payment order.

其中，相关支付订单即为疑似重复订单。具体的，在获取到用户对支付订单的订单核验请求后，根据订单核验请求中携带的支付订单的订单编号，查询与支付订单的相关度满足提醒条件的疑似重复订单，根据该疑似重复订单生成核验结果并向用户发送；其中，查询到的疑似重复订单可以为空。Among them, the relevant payment orders are suspected duplicate orders. Specifically, after obtaining the user's order verification request for the payment order, according to the order number of the payment order carried in the order verification request, inquire about the suspected duplicate order whose correlation with the payment order satisfies the reminder condition, and generate according to the suspected duplicate order The verification result is sent to the user; the queried suspected duplicate order can be empty.

若用户通过商户对支付订单进行订单核验，则首先获取用户对支付订单的订单核验请求，基于订单核验请求中包含的支付订单的订单编号，查询针对该支付订单的支付确认提醒，并根据查询结果生成核验结果。If the user performs order verification on the payment order through the merchant, first obtain the user's order verification request for the payment order, based on the order number of the payment order included in the order verification request, query the payment confirmation reminder for the payment order, and according to the query result Generate verification results.

需要说明的是，上述确定检测支付方是和计算相关度还可由相关度计算算法来实现，具体的，在获取到商户提交的支付请求后根据支付请求中包含的支付参数创建支付订单，将支付订单输入相关度计算算法进行相关度计算，输出满足提醒条件的相关度以及对应的候选支付订单，基于相关度以及候选支付订单生成提醒确认提醒向商户发送。其中，相关度计算算法进行相关度计算的过程，参见上述步骤S104和步骤S106，相关度计算算法在计算获得支付订单与候选支付订单的相关度之后，判断相关度是否满足提醒条件，若满足，则输出相关度和对应的候选支付订单；若不满足，则输出空。还需要说明的是，支付订单在支付处理成功后存入历史订单集合中。It should be noted that the above determination of detecting the payer and calculating the correlation can also be achieved by a correlation calculation algorithm. Specifically, after obtaining the payment request submitted by the merchant, a payment order is created according to the payment parameters included in the payment request, and the payment is made. The order input correlation calculation algorithm performs correlation calculation, outputs the correlation that meets the reminder condition and the corresponding candidate payment order, and generates a reminder confirmation reminder based on the correlation and the candidate payment order to send to the merchant. Wherein, for the process of correlation calculation performed by the correlation calculation algorithm, refer to the above steps S104 and S106. After calculating the correlation between the payment order and the candidate payment order, the correlation calculation algorithm determines whether the correlation satisfies the reminder condition, and if so, Then output the correlation and the corresponding candidate payment order; if not, output empty. It should also be noted that the payment order is stored in the historical order collection after the payment is processed successfully.

还需要说明的是，本实施例提供的支付处理方法，可以是基于一个支付平台进行支付处理，还可以在多个支付平台打通的情况下，基于多个支付平台的支付数据进行支付处理，本实施例在此不做限定。It should also be noted that the payment processing method provided in this embodiment may be based on one payment platform for payment processing, or may be based on payment data of multiple payment platforms when multiple payment platforms are connected. The embodiment is not limited here.

下述以本实施例提供的一种支付处理方法在停车服务场景的应用为例，对本实施例提供的支付处理方法进行进一步说明，参见图2，应用于停车服务场景的支付处理方法，具体包括步骤S202至步骤S220。The following takes the application of a payment processing method provided by this embodiment in a parking service scenario as an example to further describe the payment processing method provided by this embodiment. Referring to FIG. 2 , the payment processing method applied to a parking service scenario specifically includes: Steps S202 to S220.

步骤S202，获取商户提交的停车支付请求。Step S202, acquiring the parking payment request submitted by the merchant.

步骤S204，根据停车支付请求中携带的支付参数创建支付订单。Step S204, creating a payment order according to the payment parameters carried in the parking payment request.

步骤S206，根据支付请求中携带的支付类型标识对应的码支付方式，确定对支付订单进行去重检测的代扣支付方式。Step S206 , according to the code payment method corresponding to the payment type identifier carried in the payment request, determine the withholding payment method for performing deduplication detection on the payment order.

其中，支付方式集合中包含码支付方式和代扣支付方式两种；Among them, the payment method set includes two payment methods: code payment method and withholding payment method;

若支付方式集合中包含码支付方式、代扣支付方式和现金支付方式三种，则确定的对支付订单进行去重检测的检测支付方式为现金支付方式和代扣支付方式；即确定的对支付订单进行去重检测的支付方式为支付方式集合中支付类型标识对应的支付方式之外的支付方式。If the payment method set includes three payment methods: code payment method, withholding payment method and cash payment method, the determined detection and payment methods for deduplication detection of payment orders are cash payment method and withholding payment method; The payment method for the deduplication detection of the order is a payment method other than the payment method corresponding to the payment type identifier in the payment method set.

步骤S208，基于支付参数中包含的车辆标识，在历史订单集合中筛选出订单参数中的车辆标识与支付参数中的车辆标识的中间支付订单。Step S208 , based on the vehicle identifier included in the payment parameter, filter out an intermediate payment order between the vehicle identifier in the order parameter and the vehicle identifier in the payment parameter from the historical order set.

步骤S210，将中间支付订单中支付当时为代扣支付方式的中间支付订单确定为对支付订单进行去重检测的候选支付订单。Step S210 , determining the intermediate payment order in the intermediate payment order that is the withholding payment method at the time of payment as a candidate payment order for performing deduplication detection on the payment order.

步骤S212，比对支付参数中包含的定量支付参数和候选支付订单中包含的订单信息中对应的定量订单参数是否一致；Step S212, compare whether the quantitative payment parameters included in the payment parameters are consistent with the corresponding quantitative order parameters in the order information included in the candidate payment order;

若是，则执行步骤S214至步骤S220；If yes, execute steps S214 to S220;

若否，则确定支付订单与候选支付订单的相关度不满足提醒条件；If not, it is determined that the correlation between the payment order and the candidate payment order does not meet the reminder condition;

其中，定量支付参数包括停车费用、收款账户标识和停车场标识；在比对停车场标识的过程中，首先确定支付参数中包含的停车场标识所属的支付停车场，再确定候选支付订单的订单参数中包含的停车场标识所属的订单停车场，然后比对支付停车场和订单停车场是否一致。Among them, the quantitative payment parameters include parking fee, collection account identification and parking lot identification; in the process of comparing the parking lot identification, first determine the payment parking lot to which the parking lot identification included in the payment parameters belongs, and then determine the candidate payment order. The parking lot identification contained in the order parameters belongs to the parking lot of the order, and then compare the paid parking lot and the parking lot of the order.

步骤S214，基于支付参数中包含的变量支付参数和订单参数中包含的变量订单参数，计算支付订单和候选支付订单的参数相关度。Step S214, based on the variable payment parameter included in the payment parameter and the variable order parameter included in the order parameter, calculate the parameter correlation between the payment order and the candidate payment order.

其中，变量支付参数包括支付时间和支付位置。The variable payment parameters include payment time and payment location.

步骤S216，根据参数相关度和对应的相关权重计算支付订单和候选支付订单的相关度。Step S216: Calculate the correlation between the payment order and the candidate payment order according to the parameter correlation and the corresponding correlation weight.

步骤S218，若相关度满足提醒条件，基于相关度和候选支付订单生成支付确认提醒向商户发送。Step S218, if the relevancy satisfies the reminder condition, generate a payment confirmation reminder based on the relevancy and the candidate payment order and send it to the merchant.

步骤S220，根据商户对支付确认提醒的确认指令，对支付订单进行支付处理。Step S220, according to the confirmation instruction of the merchant for the payment confirmation reminder, perform payment processing on the payment order.

综上所述，本实施例提供的支付处理方法，在获取到商户提交的支付请求后，根据支付请求中包含的支付参数创建支付订单，并根据确定支付请求中携带的支付类型标识确定支付方式集合中与支付请求对应的支付方式不同的支付方式作为对支付订单进行区中检测的检测支付方式；To sum up, in the payment processing method provided in this embodiment, after obtaining the payment request submitted by the merchant, a payment order is created according to the payment parameters included in the payment request, and the payment method is determined according to the payment type identifier carried in the payment request. The payment method in the collection that is different from the payment method corresponding to the payment request is used as the detection payment method for in-area detection of the payment order;

在确定检测支付方式后，根据支付参数中包含的支付对象标识在历史订单集合中筛选出支付对象标识与支付参数中包含的支付对象标识一致的中间支付订单，并在中间支付订单中进一步筛选出支付方式为检测支付方式的候选支付订单，用于对支付订单进行去重检测，以此，提升确定的候选支付订单的有效性；After the detection payment method is determined, the intermediate payment orders whose payment object identification is consistent with the payment object identification included in the payment parameters are screened out in the historical order set according to the payment object identification contained in the payment parameters, and the intermediate payment orders are further screened out. The payment method is the candidate payment order of the detection payment method, which is used to perform deduplication detection on the payment order, thereby improving the validity of the determined candidate payment order;

再基于支付参数和候选支付订单中包含的订单参数计算支付订单和候选支付订单的相关度，并判断相关度是否满足提醒条件；若满足提醒条件，则暂停对支付订单的支付处理，基于相关度和候选支付订单生成支付确认提醒向商户发送，以使商户提交针对支付确认提醒的操作指令；Then calculate the correlation between the payment order and the candidate payment order based on the payment parameters and the order parameters contained in the candidate payment order, and determine whether the correlation meets the reminder condition; Generate a payment confirmation reminder with candidate payment orders and send it to the merchant, so that the merchant submits the operation instruction for the payment confirmation reminder;

若商户提交针对支付确认提醒的确认指令，则根据确认指令对支付订单进行支付处理，若商户提交针对支付确认提醒的取消指令，则将支付订单标记为异常状态。以此，在支付过程中对支付订单进行去重检测，在检测到疑似重复订单后暂停对支付订单的支付处理，避免用户重复支付从而降低用户的感知程度，降低后续退款成本和对账成本。If the merchant submits a confirmation instruction for the payment confirmation reminder, the payment order will be processed according to the confirmation instruction, and if the merchant submits the cancellation instruction for the payment confirmation reminder, the payment order will be marked as abnormal. In this way, the payment order is deduplicated in the payment process, and the payment processing of the payment order is suspended after the suspected duplicate order is detected, so as to avoid the user's repeated payment, thereby reducing the user's perception level, and reducing the subsequent refund cost and reconciliation cost. .

本说明书提供的一种支付处理装置实施例如下：An example of a payment processing device provided in this specification is as follows:

在上述的实施例中，提供了一种支付处理方法，与之相对应的，还提供了一种支付处理装置，下面结合附图进行说明。In the above-mentioned embodiment, a payment processing method is provided, and correspondingly, a payment processing apparatus is also provided, which will be described below with reference to the accompanying drawings.

参照图3，其示出了本实施例提供的一种支付处理装置示意图。Referring to FIG. 3 , it shows a schematic diagram of a payment processing apparatus provided in this embodiment.

由于装置实施例对应于方法实施例，所以描述得比较简单，相关的部分请参见上述提供的方法实施例的对应说明即可。下述描述的装置实施例仅仅是示意性的。Since the apparatus embodiment corresponds to the method embodiment, the description is relatively simple, and for the relevant part, please refer to the corresponding description of the method embodiment provided above. The apparatus embodiments described below are merely illustrative.

本实施例提供一种支付处理装置，包括：This embodiment provides a payment processing device, including:

订单创建模块302，被配置为获取商户提交的支付请求，并根据所述支付请求中包含的支付参数创建支付订单；Theorder creation module 302 is configured to obtain the payment request submitted by the merchant, and create a payment order according to the payment parameters included in the payment request;

方式确定模块304，被配置为根据所述支付请求中支付类型标识对应的支付方式，确定对所述支付订单进行去重检测的检测支付方式；Themode determination module 304 is configured to determine the detection payment mode for performing deduplication detection on the payment order according to the payment mode corresponding to the payment type identifier in the payment request;

相关度计算模块306，被配置为基于所述支付参数和历史订单集合中读取的所述检测支付方式对应的候选支付订单的订单参数，计算所述支付订单与所述候选支付订单的相关度；Thecorrelation calculation module 306 is configured to calculate the correlation between the payment order and the candidate payment order based on the payment parameters and the order parameters of the candidate payment order corresponding to the detected payment method read in the historical order set ;

若所述相关度满足提醒条件，则运行提醒发送模块308，所述提醒发送模块308，被配置为向所述商户发送支付确认提醒。If the relevance satisfies the reminder condition, thereminder sending module 308 is run, and thereminder sending module 308 is configured to send a payment confirmation reminder to the merchant.

本说明书提供的一种支付处理设备实施例如下：An example of a payment processing device provided in this specification is as follows:

对应上述描述的一种支付处理方法，基于相同的技术构思，本说明书一个或多个实施例还提供一种支付处理设备，该支付处理设备用于执行上述提供的支付处理方法，图4为本说明书一个或多个实施例提供的一种支付处理设备的结构示意图。Corresponding to the payment processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a payment processing device, which is used to execute the payment processing method provided above, as shown in FIG. 4 . A schematic structural diagram of a payment processing device provided by one or more embodiments of the specification.

本实施例提供的一种支付处理设备，包括：A payment processing device provided by this embodiment includes:

如图4所示，支付处理设备可因配置或性能不同而产生比较大的差异，可以包括一个或一个以上的处理器401和存储器402，存储器402中可以存储有一个或一个以上存储应用程序或数据。其中，存储器402可以是短暂存储或持久存储。存储在存储器402的应用程序可以包括一个或一个以上模块(图示未示出)，每个模块可以包括支付处理设备中的一系列计算机可执行指令。更进一步地，处理器401可以设置为与存储器402通信，在支付处理设备上执行存储器402中的一系列计算机可执行指令。支付处理设备还可以包括一个或一个以上电源403，一个或一个以上有线或无线网络接口404，一个或一个以上输入/输出接口405，一个或一个以上键盘406等。As shown in FIG. 4 , the payment processing devices may vary greatly due to different configurations or performances, and may include one or more processors 401 and a memory 402, and the memory 402 may store one or more storage applications or data. Among them, the memory 402 may be short-lived storage or persistent storage. The application program stored in memory 402 may include one or more modules (not shown), each module may include a series of computer-executable instructions in the payment processing device. Still further, the processor 401 may be arranged to communicate with the memory 402 to execute a series of computer-executable instructions in the memory 402 on the payment processing device. The payment processing device may also include one or more power supplies 403, one or more wired or wireless network interfaces 404, one or more input/output interfaces 405, one or more keyboards 406, and the like.

在一个具体的实施例中，支付处理设备包括有存储器，以及一个或一个以上的程序，其中一个或者一个以上程序存储于存储器中，且一个或者一个以上程序可以包括一个或一个以上模块，且每个模块可以包括对支付处理设备中的一系列计算机可执行指令，且经配置以由一个或者一个以上处理器执行该一个或者一个以上程序包含用于进行以下计算机可执行指令：In a specific embodiment, the payment processing device includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each The modules may include a series of computer-executable instructions in a payment processing device, and the one or more programs configured to be executed by one or more processors include computer-executable instructions for:

获取商户提交的支付请求，并根据所述支付请求中包含的支付参数创建支付订单；Obtain the payment request submitted by the merchant, and create a payment order according to the payment parameters included in the payment request;

根据所述支付请求中支付类型标识对应的支付方式，确定对所述支付订单进行去重检测的检测支付方式；According to the payment method corresponding to the payment type identifier in the payment request, determine the detection payment method for performing deduplication detection on the payment order;

基于所述支付参数和历史订单集合中读取的所述检测支付方式对应的候选支付订单的订单参数，计算所述支付订单与所述候选支付订单的相关度；Calculate the correlation between the payment order and the candidate payment order based on the payment parameters and the order parameters of the candidate payment order corresponding to the detected payment method read in the historical order set;

若所述相关度满足提醒条件，则向所述商户发送支付确认提醒。If the relevancy satisfies the reminder condition, a payment confirmation reminder is sent to the merchant.

本说明书提供的一种存储介质实施例如下：An example of a storage medium provided in this specification is as follows:

对应上述描述的一种支付处理方法，基于相同的技术构思，本说明书一个或多个实施例还提供一种存储介质。Corresponding to the payment processing method described above, based on the same technical concept, one or more embodiments of this specification further provide a storage medium.

本实施例提供的存储介质，用于存储计算机可执行指令，所述计算机可执行指令在被处理器执行时实现以下流程：The storage medium provided in this embodiment is used to store computer-executable instructions, and the computer-executable instructions implement the following processes when executed by a processor:

获取商户提交的支付请求，并根据所述支付请求中包含的支付参数创建支付订单；Obtain the payment request submitted by the merchant, and create a payment order according to the payment parameters included in the payment request;

根据所述支付请求中支付类型标识对应的支付方式，确定对所述支付订单进行去重检测的检测支付方式；According to the payment method corresponding to the payment type identifier in the payment request, determine the detection payment method for performing deduplication detection on the payment order;

基于所述支付参数和历史订单集合中读取的所述检测支付方式对应的候选支付订单的订单参数，计算所述支付订单与所述候选支付订单的相关度；Calculate the correlation between the payment order and the candidate payment order based on the payment parameters and the order parameters of the candidate payment order corresponding to the detected payment method read in the historical order set;

若所述相关度满足提醒条件，则向所述商户发送支付确认提醒。If the relevancy satisfies the reminder condition, a payment confirmation reminder is sent to the merchant.

需要说明的是，本说明书中关于存储介质的实施例与本说明书中关于支付处理方法的实施例基于同一发明构思，因此该实施例的具体实施可以参见前述对应方法的实施，重复之处不再赘述。It should be noted that the embodiment of the storage medium in this specification and the embodiment of the payment processing method in this specification are based on the same inventive concept, so the specific implementation of this embodiment can refer to the implementation of the corresponding method described above, and the repetition will not be repeated. Repeat.

上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者可能是有利的。The foregoing describes specific embodiments of the present specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in an order different from that in the embodiments and still achieve desirable results. Additionally, the processes depicted in the figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

在20世纪30年代，对于一个技术的改进可以很明显地区分是硬件上的改进(例如，对二极管、晶体管、开关等电路结构的改进)还是软件上的改进(对于方法流程的改进)。然而，随着技术的发展，当今的很多方法流程的改进已经可以视为硬件电路结构的直接改进。设计人员几乎都通过将改进的方法流程编程到硬件电路中来得到相应的硬件电路结构。因此，不能说一个方法流程的改进就不能用硬件实体模块来实现。例如，可编程逻辑器件(Programmable Logic Device，PLD)(例如现场可编程门阵列(Field Programmable GateArray，FPGA))就是这样一种集成电路，其逻辑功能由用户对器件编程来确定。由设计人员自行编程来把一个数字系统“集成”在一片PLD上，而不需要请芯片制造厂商来设计和制作专用的集成电路芯片。而且，如今，取代手工地制作集成电路芯片，这种编程也多半改用“逻辑编译器(logic compiler)”软件来实现，它与程序开发撰写时所用的软件编译器相类似，而要编译之前的原始代码也得用特定的编程语言来撰写，此称之为硬件描述语言(Hardware Description Language，HDL)，而HDL也并非仅有一种，而是有许多种，如ABEL(Advanced Boolean Expression Language)、AHDL(Altera Hardware DescriptionLanguage)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(RubyHardware Description Language)等，目前最普遍使用的是VHDL(Very-High-SpeedIntegrated Circuit Hardware Description Language)与Verilog。本领域技术人员也应该清楚，只需要将方法流程用上述几种硬件描述语言稍作逻辑编程并编程到集成电路中，就可以很容易得到实现该逻辑方法流程的硬件电路。In the 1930s, improvements in a technology could be clearly distinguished as improvements in hardware (eg, improvements in circuit structures such as diodes, transistors, switches, etc.) or improvements in software (improvements in method flow). However, with the development of technology, the improvement of many methods and processes today can be regarded as a direct improvement of the hardware circuit structure. Designers almost get the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that the improvement of a method flow cannot be realized by hardware entity modules. For example, a Programmable Logic Device (PLD) (eg, Field Programmable Gate Array (FPGA)) is an integrated circuit whose logic function is determined by user programming of the device. It is programmed by the designer to "integrate" a digital system on a PLD without having to ask the chip manufacturer to design and manufacture a dedicated integrated circuit chip. And, instead of making integrated circuit chips by hand, these days, much of this programming is done using software called a "logic compiler", which is similar to the software compiler used in program development and writing, but before compiling The original code also has to be written in a specific programming language, which is called Hardware Description Language (HDL), and there is not only one HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language) , AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (RubyHardware Description Language), etc. The most commonly used are VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. It should also be clear to those skilled in the art that a hardware circuit for implementing the logic method process can be easily obtained by simply programming the method process in the above-mentioned several hardware description languages and programming it into the integrated circuit.

控制器可以按任何适当的方式实现，例如，控制器可以采取例如微处理器或处理器以及存储可由该(微)处理器执行的计算机可读程序代码(例如软件或固件)的计算机可读介质、逻辑门、开关、专用集成电路(Application Specific Integrated Circuit，ASIC)、可编程逻辑控制器和嵌入微控制器的形式，控制器的例子包括但不限于以下微控制器：ARC625D、Atmel AT91SAM、Microchip PIC18F26K20以及Silicone Labs C8051F320，存储器控制器还可以被实现为存储器的控制逻辑的一部分。本领域技术人员也知道，除了以纯计算机可读程序代码方式实现控制器以外，完全可以通过将方法步骤进行逻辑编程来使得控制器以逻辑门、开关、专用集成电路、可编程逻辑控制器和嵌入微控制器等的形式来实现相同功能。因此这种控制器可以被认为是一种硬件部件，而对其内包括的用于实现各种功能的装置也可以视为硬件部件内的结构。或者甚至，可以将用于实现各种功能的装置视为既可以是实现方法的软件模块又可以是硬件部件内的结构。The controller may be implemented in any suitable manner, for example, the controller may take the form of eg a microprocessor or processor and a computer readable medium storing computer readable program code (eg software or firmware) executable by the (micro)processor , logic gates, switches, application specific integrated circuits (ASICs), programmable logic controllers and embedded microcontrollers, examples of controllers include but are not limited to the following microcontrollers: ARC625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicon Labs C8051F320, the memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art also know that, in addition to implementing the controller in the form of pure computer-readable program code, the controller can be implemented as logic gates, switches, application-specific integrated circuits, programmable logic controllers and embedded devices by logically programming the method steps. The same function can be realized in the form of a microcontroller, etc. Therefore, such a controller can be regarded as a hardware component, and the devices included therein for realizing various functions can also be regarded as a structure within the hardware component. Or even, the means for implementing various functions can be regarded as both a software module implementing a method and a structure within a hardware component.

上述实施例阐明的系统、装置、模块或单元，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机。具体的，计算机例如可以为个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任何设备的组合。The systems, devices, modules or units described in the above embodiments may be specifically implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer can be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or A combination of any of these devices.

为了描述的方便，描述以上装置时以功能分为各种单元分别描述。当然，在实施本说明书实施例时可以把各单元的功能在同一个或多个软件和/或硬件中实现。For the convenience of description, when describing the above device, the functions are divided into various units and described respectively. Of course, when implementing the embodiments of the present specification, the functions of each unit may be implemented in one or more software and/or hardware.

本领域内的技术人员应明白，本说明书一个或多个实施例可提供为方法、系统或计算机程序产品。因此，本说明书一个或多个实施例可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本说明书可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。As will be appreciated by one skilled in the art, one or more embodiments of this specification may be provided as a method, system or computer program product. Accordingly, one or more embodiments of this specification may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present specification may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.

本说明书是参照根据本说明书实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。The specification is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the specification. It will be understood that each flow and/or block in the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to the processor of a general purpose computer, special purpose computer, embedded processor or other programmable data processing device to produce a machine such that the instructions executed by the processor of the computer or other programmable data processing device produce Means for implementing the functions specified in a flow or flow of a flowchart and/or a block or blocks of a block diagram.

这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory result in an article of manufacture comprising instruction means, the instructions The apparatus implements the functions specified in the flow or flow of the flowcharts and/or the block or blocks of the block diagrams.

这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。These computer program instructions can also be loaded on a computer or other programmable data processing device to cause a series of operational steps to be performed on the computer or other programmable device to produce a computer-implemented process such that The instructions provide steps for implementing the functions specified in the flow or blocks of the flowcharts and/or the block or blocks of the block diagrams.

在一个典型的配置中，计算设备包括一个或多个处理器(CPU)、输入/输出接口、网络接口和内存。In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

内存可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM)和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)。内存是计算机可读介质的示例。Memory may include non-persistent memory in computer readable media, random access memory (RAM) and/or non-volatile memory in the form of, for example, read only memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。Computer-readable media includes both persistent and non-permanent, removable and non-removable media, and storage of information may be implemented by any method or technology. Information may be computer readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read only memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), Flash Memory or other memory technology, Compact Disc Read Only Memory (CD-ROM), Digital Versatile Disc (DVD) or other optical storage, Magnetic tape cartridges, magnetic tape disk storage or other magnetic storage devices or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory computer-readable media, such as modulated data signals and carrier waves.

还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。It should also be noted that the terms "comprising", "comprising" or any other variation thereof are intended to encompass a non-exclusive inclusion such that a process, method, article or device comprising a series of elements includes not only those elements, but also Other elements not expressly listed, or which are inherent to such a process, method, article of manufacture, or apparatus are also included. Without further limitation, an element qualified by the phrase "comprising a..." does not preclude the presence of additional identical elements in the process, method, article of manufacture, or device that includes the element.

本说明书一个或多个实施例可以在由计算机执行的计算机可执行指令的一般上下文中描述，例如程序模块。一般地，程序模块包括执行特定任务或实现特定抽象数据类型的例程、程序、对象、组件、数据结构等等。也可以在分布式计算环境中实践本说明书的一个或多个实施例，在这些分布式计算环境中，由通过通信网络而被连接的远程处理设备来执行任务。在分布式计算环境中，程序模块可以位于包括存储设备在内的本地和远程计算机存储介质中。One or more embodiments of this specification may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of this specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including storage devices.

本说明书中的各个实施例均采用递进的方式描述，各个实施例之间相同相似的部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于系统实施例而言，由于其基本相似于方法实施例，所以描述的比较简单，相关之处参见方法实施例的部分说明即可。Each embodiment in this specification is described in a progressive manner, and the same and similar parts between the various embodiments may be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, as for the system embodiments, since they are basically similar to the method embodiments, the description is relatively simple, and for related parts, please refer to the partial descriptions of the method embodiments.

以上所述仅为本文件的实施例而已，并不用于限制本文件。对于本领域技术人员来说，本文件可以有各种更改和变化。凡在本文件的精神和原理之内所作的任何修改、等同替换、改进等，均应包含在本文件的权利要求范围之内。The above descriptions are only examples of this document, and are not intended to limit this document. Various modifications and variations of this document are possible for those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this document shall be included within the scope of the claims of this document.

Claims (17)

Translated fromChinese

1.一种支付处理方法，包括：1. A payment processing method comprising:获取商户提交的支付请求，并根据所述支付请求中包含的支付参数创建支付订单；Obtain the payment request submitted by the merchant, and create a payment order according to the payment parameters included in the payment request;根据所述支付请求中支付类型标识对应的支付方式，确定对所述支付订单进行去重检测的检测支付方式；According to the payment method corresponding to the payment type identifier in the payment request, determine the detection payment method for performing deduplication detection on the payment order;基于所述支付参数和历史订单集合中读取的所述检测支付方式对应的候选支付订单的订单参数，计算所述支付订单与所述候选支付订单的相关度；Calculate the correlation between the payment order and the candidate payment order based on the payment parameters and the order parameters of the candidate payment order corresponding to the detected payment method read in the historical order set;若所述相关度满足提醒条件，则向所述商户发送支付确认提醒。If the relevancy satisfies the reminder condition, a payment confirmation reminder is sent to the merchant.2.根据权利要求1所述的支付处理方法，所述基于所述支付参数和历史订单集合中读取的所述检测支付方式对应的候选支付订单的订单参数，计算所述支付订单与所述候选支付订单的相关度，包括：2. The payment processing method according to claim 1, wherein based on the payment parameters and the order parameters of the candidate payment order corresponding to the detected payment method read in the historical order set, calculating the payment order and the Relevance of candidate payment orders, including:确定所述支付参数中的定量支付参数和变量支付参数，以及确定所述订单参数中的定量订单参数和变量订单参数；determining quantitative payment parameters and variable payment parameters in the payment parameters, and determining quantitative order parameters and variable order parameters in the order parameters;计算所述定量支付参数和所述定量订单参数的第一相关度，以及所述变量支付参数与所述变量订单参数的第二相关度；calculating a first correlation between the quantitative payment parameter and the quantitative order parameter, and a second correlation between the variable payment parameter and the variable order parameter;根据所述第一相关度、所述第二相关度和对应的相关权重，计算所述相关度。The correlation is calculated according to the first correlation, the second correlation and the corresponding correlation weight.3.根据权利要求1所述的支付处理方法，所述根据所述支付请求中支付类型标识对应的支付方式，确定对所述支付订单进行去重检测的检测支付方式，包括：3. The payment processing method according to claim 1, wherein according to the payment method corresponding to the payment type identifier in the payment request, determining the detection payment method for performing deduplication detection on the payment order, comprising:基于所述支付类型标识，确定所述支付请求对应的所述支付方式；determining the payment method corresponding to the payment request based on the payment type identifier;在支付方式集合中确定所述支付方式之外的剩余支付方式作为所述检测支付方式。In the payment method set, the remaining payment methods other than the payment methods are determined as the detection payment methods.4.根据权利要求1所述的支付处理方法，所述候选支付订单，采用如下方式确定：4. The payment processing method according to claim 1, the candidate payment order is determined in the following manner:根据所述支付参数中包含的支付对象标识和/或支付时间，在所述历史订单集合中筛选中间支付订单；Screening intermediate payment orders in the historical order set according to the payment object identifier and/or the payment time contained in the payment parameters;将所述中间支付订单中所述检测支付方式对应的历史支付订单确定为所述候选支付订单。A historical payment order corresponding to the detected payment method in the intermediate payment order is determined as the candidate payment order.5.根据权利要求1所述的支付处理方法，所述若所述相关度满足提醒条件，则向所述商户发送支付确认提醒步骤执行之后，还包括：5. The payment processing method according to claim 1, wherein the step of sending a payment confirmation reminder to the merchant if the correlation satisfies a reminder condition is executed, further comprising:根据针对所述支付确认提醒的确认指令，对所述支付订单进行支付处理；Perform payment processing on the payment order according to the confirmation instruction for the payment confirmation reminder;或者，or,根据针对所述支付确认提醒的取消指令，对所述支付订单进行终止支付标记。According to the cancellation instruction for the payment confirmation reminder, the payment order is marked for termination of payment.6.根据权利要求1所述的支付处理方法，所述基于所述支付参数和历史订单集合中读取的所述检测支付方式对应的候选支付订单的订单参数，计算所述支付订单与所述候选支付订单的相关度步骤执行之后，还包括：6. The payment processing method according to claim 1, wherein based on the payment parameters and the order parameters of the candidate payment order corresponding to the detected payment method read in the historical order set, calculating the payment order and the After the relevancy step of the candidate payment order is executed, it also includes:若所述相关度不满足所述提醒条件，则对所述支付订单进行支付处理；If the relevancy does not meet the reminder condition, perform payment processing on the payment order;其中，所述提醒条件，包括：所述相关度不处于预设置信区间。Wherein, the reminder condition includes: the correlation is not within a preset confidence interval.7.根据权利要求1所述的支付处理方法，所述基于所述支付参数和历史订单集合中读取的所述检测支付方式对应的候选支付订单的订单参数，计算所述支付订单与所述候选支付订单的相关度，包括：7. The payment processing method according to claim 1, wherein based on the payment parameters and the order parameters of the candidate payment order corresponding to the detected payment method read in the collection of historical orders, calculating the payment order and the Relevance of candidate payment orders, including:确定所述支付参数中的定量支付参数与所述订单参数中的定量订单参数的第一相关度；determining a first correlation between the quantitative payment parameters in the payment parameters and the quantitative order parameters in the order parameters;若所述第一相关度满足匹配条件，则计算所述支付参数中的变量支付参数与所述订单参数中的变量订单参数的第二相关度；If the first correlation satisfies the matching condition, calculating the second correlation between the variable payment parameter in the payment parameter and the variable order parameter in the order parameter;基于所述第二相关度与对应的相关权重，计算所述相关度。The correlation is calculated based on the second correlation and the corresponding correlation weight.8.根据权利要求7所述的支付处理方法，所述确定所述支付参数中的定量支付参数与所述订单参数中的定量订单参数的第一相关度，包括：8. The payment processing method according to claim 7, wherein the determining the first correlation between the quantitative payment parameters in the payment parameters and the quantitative order parameters in the order parameters comprises:比对所述支付参数中包含的支付对象标识与所述订单参数中包含的支付对象标识、所述支付参数中包含的支付费用与所述订单参数中包含的支付费用和/或所述支付参数中包含的收款账户标识与所述订单参数中包含的收款账户标识是否一致；Compare the payment object identifier included in the payment parameter with the payment object identifier included in the order parameter, the payment fee included in the payment parameter and the payment fee included in the order parameter and/or the payment parameter Whether the ID of the collection account contained in the order is consistent with the ID of the collection account included in the order parameters;若是，则将目标相关度作为所述第一相关度；If so, take the target relevance as the first relevance;若否，则将异常相关度作为所述第一相关度。If not, the abnormal correlation degree is taken as the first correlation degree.9.根据权利要求8所述的支付处理方法，所述匹配条件，包括：9. The payment processing method according to claim 8, wherein the matching condition comprises:所述第一相关度为所述目标相关度；The first correlation is the target correlation;相应的，所述方法还包括：Correspondingly, the method further includes:若所述第一相关度为所述异常相关度，则确定所述相关度不满足所述提醒条件，并对所述支付订单进行支付处理。If the first correlation is the abnormal correlation, it is determined that the correlation does not satisfy the reminder condition, and payment processing is performed on the payment order.10.根据权利要求7所述的支付处理方法，所述计算所述支付参数中的变量支付参数与所述订单参数中的变量订单参数的第二相关度，包括：10. The payment processing method according to claim 7, wherein the calculating the second correlation between the variable payment parameter in the payment parameter and the variable order parameter in the order parameter comprises:计算所述支付参数中包含的支付时间与所述订单参数中包含的支付时间的时间差值；Calculate the time difference between the payment time included in the payment parameter and the payment time included in the order parameter;计算所述支付参数中包含的支付位置与所述订单参数中包含的支付位置的位置比值；Calculate the position ratio of the payment position included in the payment parameter and the payment position included in the order parameter;将所述时间差值、所述位置比值确定为所述第二相关度。The time difference and the position ratio are determined as the second correlation.11.根据权利要求10所述的支付处理方法，所述基于所述第二相关度与对应的相关权重，计算所述相关度，包括：11. The payment processing method according to claim 10, wherein calculating the correlation based on the second correlation and the corresponding correlation weight, comprising:计算所述时间差值与时间权重的乘积获得时间相关度，以及计算所述位置比值与位置权重的乘积获得位置相关度；calculating the product of the time difference and the time weight to obtain a time correlation, and calculating the product of the position ratio and the position weight to obtain a position correlation;计算所述时间相关度与所述位置相关度的和，获得所述相关度。The correlation degree is obtained by calculating the sum of the time correlation degree and the position correlation degree.12.根据权利要求1所述的支付处理方法，所述候选支付订单，采用如下方式确定：12. The payment processing method according to claim 1, wherein the candidate payment order is determined in the following manner:根据所述支付参数中包含的支付账户标识确定所述支付请求对应的用户标识；Determine the user identifier corresponding to the payment request according to the payment account identifier included in the payment parameter;在所述历史订单集合中筛选出所述用户标识对应的历史支付订单，获得订单子集；Filtering out the historical payment orders corresponding to the user IDs in the historical order collection to obtain an order subset;将所述订单子集中所述检测支付方式对应的历史支付订单确定为所述候选支付订单。A historical payment order corresponding to the detected payment method in the order subset is determined as the candidate payment order.13.根据权利要求1所述的支付处理方法，还包括：13. The payment processing method of claim 1, further comprising:获取针对所述支付订单的订单核验请求；obtaining an order verification request for the payment order;基于所述订单核验请求，查询与所述支付订单的相关度满足所述提醒条件的相关支付订单；Based on the order verification request, query the relevant payment orders whose relevancy with the payment order satisfies the reminder condition;根据所述相关支付订单生成核验结果。A verification result is generated according to the relevant payment order.14.根据权利要求2或7所述的支付处理方法，所述定量支付参数，包括：14. The payment processing method according to claim 2 or 7, the quantitative payment parameters, comprising:车辆标识、停车费用、收款账户标识和/或停车场标识；Vehicle identification, parking fee, collection account identification and/or parking lot identification;所述变量支付参数，包括下述至少一项：支付时间、停车时长、停车场位置、支付位置。The variable payment parameter includes at least one of the following: payment time, parking time, parking lot location, and payment location.15.一种支付处理装置，包括：15. A payment processing device comprising:订单创建模块，被配置为获取商户提交的支付请求，并根据所述支付请求中包含的支付参数创建支付订单；an order creation module, configured to obtain a payment request submitted by a merchant, and create a payment order according to the payment parameters included in the payment request;方式确定模块，被配置为根据所述支付请求中支付类型标识对应的支付方式，确定对所述支付订单进行去重检测的检测支付方式；a method determination module, configured to determine a detection payment method for performing deduplication detection on the payment order according to the payment method corresponding to the payment type identifier in the payment request;相关度计算模块，被配置为基于所述支付参数和历史订单集合中读取的所述检测支付方式对应的候选支付订单的订单参数，计算所述支付订单与所述候选支付订单的相关度；a correlation calculation module, configured to calculate the correlation between the payment order and the candidate payment order based on the payment parameters and the order parameters of the candidate payment order corresponding to the detected payment method read in the historical order set;若所述相关度满足提醒条件，则运行提醒发送模块，所述提醒发送模块，被配置为向所述商户发送支付确认提醒。If the relevance satisfies the reminder condition, the reminder sending module is run, and the reminder sending module is configured to send a payment confirmation reminder to the merchant.16.一种支付处理设备，包括：16. A payment processing device comprising:处理器；以及，processor; and,被配置为存储计算机可执行指令的存储器，所述计算机可执行指令在被执行时使所述处理器：memory configured to store computer-executable instructions that, when executed, cause the processor to:获取商户提交的支付请求，并根据所述支付请求中包含的支付参数创建支付订单；Obtain the payment request submitted by the merchant, and create a payment order according to the payment parameters included in the payment request;根据所述支付请求中支付类型标识对应的支付方式，确定对所述支付订单进行去重检测的检测支付方式；According to the payment method corresponding to the payment type identifier in the payment request, determine the detection payment method for performing deduplication detection on the payment order;基于所述支付参数和历史订单集合中读取的所述检测支付方式对应的候选支付订单的订单参数，计算所述支付订单与所述候选支付订单的相关度；Calculate the correlation between the payment order and the candidate payment order based on the payment parameter and the order parameter of the candidate payment order corresponding to the detected payment method read in the historical order set;若所述相关度满足提醒条件，则向所述商户发送支付确认提醒。If the correlation satisfies the reminder condition, a payment confirmation reminder is sent to the merchant.17.一种存储介质，用于存储计算机可执行指令，所述计算机可执行指令在被处理器执行时实现以下流程：17. A storage medium for storing computer-executable instructions that, when executed by a processor, implement the following processes:获取商户提交的支付请求，并根据所述支付请求中包含的支付参数创建支付订单；Obtain the payment request submitted by the merchant, and create a payment order according to the payment parameters included in the payment request;根据所述支付请求中支付类型标识对应的支付方式，确定对所述支付订单进行去重检测的检测支付方式；According to the payment method corresponding to the payment type identifier in the payment request, determine the detection payment method for performing deduplication detection on the payment order;基于所述支付参数和历史订单集合中读取的所述检测支付方式对应的候选支付订单的订单参数，计算所述支付订单与所述候选支付订单的相关度；Calculate the correlation between the payment order and the candidate payment order based on the payment parameter and the order parameter of the candidate payment order corresponding to the detected payment method read in the historical order set;若所述相关度满足提醒条件，则向所述商户发送支付确认提醒。If the correlation satisfies the reminder condition, a payment confirmation reminder is sent to the merchant.

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