CN116029792A - Mobile payment-based multi-tenant payment access method and system - Google Patents

Abstract

The invention provides a multi-tenant payment access method based on mobile payment, which comprises the following steps: step S1, a tenant client side accessed to a multi-tenant payment access system initiates a request for calling a payment cash register page of a mobile payment system to the multi-tenant payment access system; step S2, after the multi-tenant payment access system receives a request from a tenant client, acquiring order information from a tenant server according to order acquisition information configured by the tenant, and generating payment request parameters according to parameter acquisition rules and parameter splicing transmission rules configured by calling parameter acquisition rule processing and parameter splicing rule processing, merchant information and signature information; and step S3, calling a payment cashier page according to the generated payment request parameters and performing payment operation. The invention also provides a multi-tenant payment access system based on mobile payment.

Description

Mobile payment-based multi-tenant payment access method and system

technical field

The present invention relates to a multi-tenant payment access method and system, in particular to a mobile payment-based multi-tenant payment access method and system.

Background technique

At present, China Unicom provides an integrated WoPay platform, which has the following problems: the threshold for accessing the WoPay platform is high, and it is highly intrusive to the access system; it cannot support flexible configuration of payment merchants and merchant signature keys; it cannot meet the requirements In the scenario of multi-tenant access, the scalability is low.

Contents of the invention

In order to solve the above-mentioned problems in the prior art, the present invention provides a multi-tenant payment access method and system based on mobile payment. transmission.

The present invention provides a multi-tenant payment access method based on mobile payment. The multi-tenant payment access method includes: Step S1, a tenant client accessing the multi-tenant payment access system initiates to the multi-tenant payment access system Invoke the request of the payment cashier page of the mobile payment system; step S2, after the multi-tenant payment access system receives the request from the tenant client, obtain the order information from the tenant server according to the order acquisition information configured by the tenant, and pass the Invoke the parameter acquisition rule processing and parameter splicing rule processing to configure the acquisition and transmission parameter splicing rules, merchant information, and signature information to generate payment request parameters; and step S3, call the payment cashier page according to the generated payment request parameters and make payment operate.

According to the multi-tenant payment access method of the present invention, the splicing rules for acquisition and transmission parameters include parameter acquisition rules, and the parameter acquisition rules are configured for mandatory parameters and optional parameters corresponding to the parameter acquisition attributes of the tenant system the rule of.

According to the multi-tenant payment access method of the present invention, the acquisition and transmission parameter splicing rules include parameter splicing transmission rules, and the parameter splicing transmission rules mainly involve the transmission of extended attributes, and multiple parameters can be transmitted using special character splicing rules , the transmitted extended parameters can be used by the tenant and the mobile payment system for data statistics, and returned to the tenant in the payment notification for specific business processing after transmission.

The multi-tenant payment access method according to the present invention also includes:

Step S4, after the payment is successful, initiate a synchronous notification and an asynchronous notification of the payment result through the mobile payment system; and

Step S5, after the multi-tenant payment access system receives the asynchronous notification, it notifies the external system to be accessed according to the payment result notification rule configuration.

According to the multi-tenant payment access method of the present invention, wherein the payment result notification rule configuration includes configuring the attribute parameters that need to be notified in the payment result notification, and

Wherein, after the payment result notification fails, subsequent payment notifications are initiated at predetermined intervals on the same day.

The present invention provides a multi-tenant payment access system based on mobile payment. The multi-tenant payment access system includes: an integration capability module, which is configured to obtain merchant information and order information from tenants, and initiate a call to the mobile payment system The cash register page; the configuration function module, which is configured to call the parameter acquisition rule processor and the parameter splicing rule processor to execute the acquisition and transmission order information rule configuration; multi-tenant access mechanism module: it is configured to initiate the call The tenant on the cashier page obtains tenant information and tenant rule configuration, and parses the rule configuration to achieve a flexible access mechanism; and the merchant signature/signature verification mechanism module is structured to obtain the merchant’s signature key according to the merchant’s configuration information, sign all the parameters for requesting mobile payment, and verify the signature of the parameters for receiving mobile payment requests, so as to ensure the security of payment access, wherein the multi-tenant access mechanism module is also configured to obtain and Transfer order information rule configuration, merchant information, and signature information to generate payment request parameters.

According to the multi-tenant payment access system of the present invention, the acquisition and transmission order information rule configuration includes parameter acquisition rule configuration, and the parameter acquisition rule configuration supports the acquisition of mandatory parameters and optional parameter configurations from the tenant system. The rules corresponding to the parameter attributes.

According to the multi-tenant payment access system of the present invention, the acquisition and transmission order information rule configuration includes parameter splicing transmission rule configuration, and the parameter splicing transmission rule configuration mainly involves the transmission of extended attributes, and multiple parameters can be concatenated using special characters The extended parameters of the transmission can be used for tenants and mobile payment systems to make data statistics, and after transmission, they will be returned to the tenants in the payment notification for specific business processing.

According to the multi-tenant payment access system of the present invention, the configuration function module is further configured to execute payment result notification rule configuration, and the payment result notification rule configuration includes payment notification result parameter rule configuration and notification time rule configuration.

According to the multi-tenant payment access system of the present invention, the multi-tenant payment access system is configured as:

After the payment is successful, initiate a synchronous notification and an asynchronous notification of the payment result through the mobile payment system; and

After the multi-tenant payment access system receives the asynchronous notification, it notifies the external system to be accessed according to the payment result notification rule configuration.

According to the multi-tenant payment access system of the present invention, wherein the payment result notification rule configuration includes configuring the attribute parameters that need to be notified in the payment result notification, and

Wherein, after the payment result notification fails, subsequent payment notifications are initiated at predetermined intervals on the same day.

The present invention provides a computer device, the computer device includes a memory and a processor, the memory stores a computer program, and when the processor runs the computer program stored in the memory, the processor executes the computer program according to the present invention. multi-tenant payment access method.

The present invention provides a computer-readable storage medium on which a computer program is stored. When the computer program is executed by a processor, the processor executes the multi-tenant payment access method of the present invention.

This application provides a multi-tenant payment access method and multi-tenant payment access system based on mobile payment, which supports the rule configuration of multiple order parameters acquisition and transmission under the tenant and the tenant's payment result notification rule configuration, from the access tenant Considering the needs at the business processing level, it improves the flexibility of access configuration capabilities and system business expansion capabilities, and has the ability to configure merchant information and merchant keys for tenants when the system is running.

Description of drawings

Below, various embodiments of the present invention are described in conjunction with the following drawings, wherein:

Fig. 1 is a flow chart of the processing of the multi-tenant payment access method based on mobile payment according to an embodiment of the present invention;

Fig. 2 is a flow chart of the processing of the multi-tenant payment access method based on mobile payment according to an embodiment of the present invention;

3 is a schematic diagram showing the system interaction process between the multi-tenant payment access system, the tenant client, the tenant server, and the mobile payment system;

Fig. 4 is a schematic structural block diagram of components of a multi-tenant payment access system based on mobile payment according to an embodiment of the present invention;

Fig. 5 is a schematic functional structure diagram of a multi-tenant payment access system based on mobile payment according to an embodiment of the present invention; and

Fig. 6 is a flow chart showing the processing flow of rule configuration in the processing process of the multi-tenant payment access method of the present invention.

Detailed ways

Mobile payment means that the mobile client uses electronic products such as mobile phones to pay for electronic money. Mobile payment effectively combines the Internet, terminal equipment, and financial institutions to form a new payment system, and mobile payment is not only capable of currency payment , You can also pay telephone bills, gas, water and electricity and other living expenses.

Below, various embodiments of the mobile payment-based multi-tenant payment access method and the multi-tenant payment access system of the present invention will be specifically described with reference to the accompanying drawings.

first embodiment

This application provides a multi-tenant payment access method based on mobile payment (such as Wo Pay). As shown in Figure 1 and Figure 3, the multi-tenant payment access method includes:

Step S1, the tenant client connected to the multi-tenant payment access system initiates a request to the multi-tenant payment access system to call the payment cashier page of the mobile payment system;

Step S2, after the multi-tenant payment access system receives the request from the tenant client, it obtains the order information from the tenant server according to the order acquisition information configured by the tenant, and configures according to the processing of the calling parameter acquisition rule and the parameter splicing rule processing Acquisition and transmission parameter splicing rules, merchant information, signature information to generate payment request parameters; and

Step S3, calling the payment cash register page according to the generated payment request parameters and performing payment operations.

In this embodiment, the acquisition and transmission parameter splicing rules include parameter acquisition rules, and the parameter acquisition rules are for parameters that must be passed (such as order number, order date, order amount, merchant number, commodity name, commodity description, timeout time, etc.) and rules corresponding to the tenant system’s parameter retrieval attributes configured with optional parameters.

In this embodiment, the acquisition and transmission parameter splicing rules include parameter splicing and transmission rules, and the parameter splicing and transmission rules mainly involve the transmission of extended attributes. Multiple parameters can be transmitted using special character splicing rules, and the extended parameters for transmission can be Make data statistics on the tenant and the mobile payment system, and return it as it is in the payment notification to the tenant for specific business processing after transmission.

As shown in Figure 2, the multi-tenant payment access method in this embodiment also includes:

Step S4, after the payment is successful, initiate a synchronous notification and an asynchronous notification of the payment result through the mobile payment system; and

Step S5, after the multi-tenant payment access system receives the asynchronous notification, it notifies the external system to be accessed according to the payment result notification rule configuration.

In this embodiment, the configuration of the payment result notification rule includes configuring the attribute parameters that need to be notified in the payment result notification, and

Wherein, after the payment result notification fails, subsequent payment notifications are initiated at predetermined intervals on the same day.

The multi-tenant payment access method and the multi-tenant payment access system of the present application configure acquisition and transmission parameter splicing rules (parameter acquisition rules and parameter splicing transmission rules) by calling parameter acquisition rule processing and parameter splicing rule processing, which can reduce the company's product cost. The threshold for the use of WoPay is to develop the payment access capability independently to achieve maximum reusability, and supports multi-tenant flexible rule configuration, which can also meet the development of personalized business of each system.

second embodiment

The present invention also provides a multi-tenant payment access system based on mobile payment (such as Wo Pay). As shown in Figure 4, the structure of the multi-tenant payment access system mainly includes the following components:

An integration capability module 1, which is configured to obtain merchant information and order information from the tenant, sign the data and initiate a call to the cash register page of the mobile payment system;

Configuration function module 2, which is configured to call the parameter acquisition rule processor and the parameter splicing rule processor to perform tenant configuration, merchant configuration and rule configuration such as rule configuration for obtaining and transmitting order information;

Multi-tenant access mechanism module 3: it is configured to obtain tenant information and tenant rule configuration for the tenant who initiates calling the cashier page, and parse the rule configuration to realize a flexible access mechanism; and

Merchant signature/verification mechanism module 4, which is configured to obtain the signature key information of the merchant according to the configuration of the merchant, sign all parameters requesting mobile payment, and verify the signature of the parameters receiving mobile payment requests to ensure payment access security.

The multi-tenant access mechanism module 3 is also configured to generate payment request parameters according to the acquisition and transmission order information rule configuration, merchant information, and signature information.

As shown in Figure 5, the integration capability module 1 is also configured to perform:

Page notification: After the payment is successful, redirect to the caller (tenant) payment success page;

Asynchronous notification: After the payment is successful, notify the tenant server of the payment result;

Active query: After the payment is initiated, the payment result is regularly queried to avoid the scenario where the asynchronous notification result cannot be received due to network abnormalities;

Overtime cancellation: For unpaid orders by scanning the code at regular intervals, the order will be canceled if the timeout expires, so as to avoid repeated payment by the user;

Payment Refund: Provides the function of connecting with WoPay platform for refund.

In this embodiment, the acquisition and transmission order information rule configuration includes parameter acquisition rule configuration, and the parameter acquisition rule configuration supports rules corresponding to the parameter retrieval attributes of the tenant system configured for mandatory parameters and optional parameters.

In this embodiment, the rule configuration for obtaining and transmitting order information includes the configuration of parameter splicing transmission rules. The extended parameters can be used by the tenant and the mobile payment system to make data statistics, and after transmission, it will be returned to the tenant in the payment notification for specific business processing.

In this embodiment, the configuration function module 2 is further configured to execute payment result notification rule configuration, and the payment result notification rule configuration includes payment notification result parameter rule configuration and notification time rule configuration.

In this embodiment, the multi-tenant payment access system is structured as follows:

After the payment is successful, initiate a synchronous notification and an asynchronous notification of the payment result through the mobile payment system; and

After the multi-tenant payment access system receives the asynchronous notification, it notifies the external system to be accessed according to the payment result notification rule configuration.

In this embodiment, the configuration of the payment result notification rule includes configuring the attribute parameters that need to be notified in the payment result notification, and

Wherein, after the payment result notification fails, subsequent payment notifications are initiated at predetermined intervals on the same day.

The multi-tenant payment access method and multi-tenant payment access system of this application can reduce the use threshold of the company's product WoPay, independently develop the payment access capability, achieve maximum reusability, and support multi-tenant flexible rule configuration , It can also meet the development of personalized business of each system.

Example:

If tenant A needs to connect to Wopay (mobile payment) platform, he needs to prepare:

1. First of all, it is necessary to provide the corresponding ability to obtain orders and receive payment notifications, which can be provided through RPC (Remote Procedure Call);

Tenants need to provide an interface for obtaining order information and an interface for receiving payment notification results. The role of the order acquisition information interface is: when a tenant initiates a payment request, the payment access system needs to obtain order-related attributes (such as order amount, order date, merchant number, etc.) according to the order number. The function of receiving payment notification interface is: when the payment is completed, the payment access system will notify the tenant of the result of payment success or failure through this receiving payment notification interface.

2. Obtain parameter rule configuration. The mandatory parameter order number is orderId, merchant number is merId, and other mandatory parameters are consistent with the default. The splicing rule of the configuration parameters is to take the attribute province code provinceCode, prefecture code cityCode, order source orderSource, and the splicing character is |.

It is necessary to configure parameter rules in the payment access system first. The structure of the rule table is listed in Table 1, and the configured table data is listed in Table 2.

Table 1

Table 2

rule_id tenant_id required param_key tenant_param_key 1 A 1 order_no orderId 2 A 1 mer_no merId 3 A 2 extend_param provinceCode 4 A 2 extend_param cityCode 5 A 2 extend_param orderSource

3. The payment result notification rule configures the notification attribute payment instrument type and amount payProAmt, and the notification frequency is, for example, every 10 minutes.

It is necessary to configure the payment result notification rules in the payment access system first. The structure of the notification rule table is listed in Table 3, and the data of the sample configuration table is listed in Table 4.

table 3

notice_rule_id rule primary key tenant_id tenant ID notice_param_key notification parameter key notice_interval Notification frequency interval time (unit: minute)

Table 4

4. After the configuration is complete, the payment process can be initiated.

As shown in Figure 6, the flow of rule parsing is described as follows:

1. Obtain parameter rule analysis (call parameter rule acquisition processor): first call the required parameter analysis method getRequiredParam(tenantId,params,paymentParams), and obtain the configured required parameter rules according to tenantId, params is the tenant order information, from params Take the orderId as the order number, take the merId as the merchant number, store it in paymentParams after taking it out, and then call the extended attribute splicing analysis method (calling the parameter splicing rule processor) getExtendParam(tenantId,params,paymentParams), params is the tenant's order information, according to The splicing parameter rule takes out the parameters and concatenates provinceCode|cityCode|orderSource as an extended attribute, stores it in paymentParams, and paymentParams is used as a payment request parameter for calling WoPay cash register.

For example, according to the tenatId, take the parameter rule with required 1 (required parameter) from Table 2; the order information of params is the information returned by calling the order information interface provided by the tenant; according to the rules configured in Table 2, from params Take out the corresponding parameters orderId and merId; take out the parameter rules with required 2 (non-required parameters) from Table 2 according to tenatId, and take out the corresponding parameters provinceCode, cityCode, orderSource from params according to the configured rules, and according to the agreement The splicing character |, splicing the non-required attributes together as extended attributes; all the parameters taken out according to the rules are stored in paymentParams as the payment request parameters to open the WoPay cash register.

First, obtain the order information from the tenant system, then obtain the required parameter rules, obtain relevant parameters from the order information according to the required parameter rules, obtain the non-required parameter rules, and obtain relevant parameters from the order information according to the non-required parameter rules , and finally store the obtained related parameters into paymentParams.

2. Analysis of payment result notification rules, call notification parameter analysis getResultParam(tenantId, resultParams, noticeParams), obtain the configured notification rules according to tenantId, take out payProAmt from resultParam, store it in noticeParams, and pass noticeParams as notification parameters to the tenant.

According to the notification rules in Table 4 according to tenatId, according to the configured rules, take out the corresponding parameter payProAmt from resultParams, store it in noticeParams, and then pass the payment result and parameters to the tenant by calling the receiving payment notification interface provided by tenant A.

3. If the payment notification fails (possibly due to network and other reasons), start the payment result notification task every 10 minutes on the day, for example.

In this application, the payment request parameters are generated according to the acquisition and transmission parameter splicing rules, merchant information, and signature information configured by the tenant; the payment result is notified according to the payment result notification rule; the multi-tenant payment access system also includes a merchant signature/verification mechanism module , the merchant signature/signature verification mechanism module is used to obtain the merchant’s signature key information according to the merchant’s configuration, sign all the parameters of the request for WoPay, and verify the signature of the parameters of the received WoPay request to ensure payment security.

This application configures parameter acquisition rules and parameter splicing transmission rules by calling parameter acquisition rule processing and parameter splicing rule processing. , timeout time, etc.) and the rules corresponding to the tenant system’s reference attributes configured with optional parameters, and the parameter splicing and transmission rules involve the transmission of extended attributes, so the method of determining parameter rules in this application is simpler. In addition, the application can improve the flexibility of the access configuration capability and the system service expansion capability.

This application can lower the use threshold of the company's product WoPay, develop the payment access capability independently, achieve maximum reusability, and support multi-tenant flexible rule configuration, and can also meet the development of personalized business of each system.

This application takes Wopay of China Unicom as an example to illustrate the mobile payment-based multi-tenant payment access method and system. However, the method and system claimed in this application are not limited thereto. Under the guidance of the same operating principle, the present invention can also be applied to other mobile payment methods, such as China Mobile and Bao, Alibaba Alipay, Tencent WeChat Pay and so on.

Those of ordinary skill in the art can understand that all or some of the steps in the methods disclosed above, the functional modules/units in the system, and the device can be implemented as software, firmware, hardware, and an appropriate combination thereof. In a hardware implementation, the division between functional modules/units mentioned in the above description does not necessarily correspond to the division of physical components; for example, one physical component may have multiple functions, or one function or step may be composed of several physical components. Components cooperate to execute. Some or all of the physical components may be implemented as software executed by a processor, such as a central processing unit, digital signal processor, or microprocessor, or as hardware, or as an integrated circuit, such as an application-specific integrated circuit . Such software may be distributed on computer readable media, which may include computer storage media (or non-transitory media) and communication media (or transitory media). As known to those of ordinary skill in the art, the term computer storage media includes both volatile and nonvolatile media implemented in any method or technology for storage of information, such as computer readable instructions, data structures, program modules, or other data. permanent, removable and non-removable media. Computer storage media include, but are not limited to, RAM, ROM, EEPROM, flash memory or other memory technology, CD-ROM, digital versatile disk (DVD) or other optical disk storage, magnetic cartridges, tape, magnetic disk storage or other magnetic storage devices, or can Any other medium used to store desired information and which can be accessed by a computer. In addition, as is well known to those of ordinary skill in the art, communication media typically embodies computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave or other transport mechanism, and may include any information delivery media .

Therefore, the present invention also provides a computer device, including a memory and a processor, wherein a computer program is stored in the memory, and when the processor runs the computer program stored in the memory, the processor executes the multiple functions of the present invention. The tenant pays for the access method.

Therefore, the present invention also provides a computer-readable storage medium on which a computer program is stored. When the computer program is executed by a processor, the processor executes the multi-tenant payment access method of the present invention.

Finally, it should be noted that: the above embodiments are only used to illustrate the technical solutions of the present invention, rather than limiting them; although the present invention has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand that: It is still possible to modify the technical solutions described in the foregoing embodiments, or perform equivalent replacements for some or all of the technical features; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the technical solutions of the various embodiments of the present invention. scope. The scope of the present invention should also cover such modifications and changes.

Claims (13)

1. A multi-tenant payment access method based on mobile payment, comprising: Step S1, the tenant client connected to the multi-tenant payment access system initiates a request to the multi-tenant payment access system to call the payment cashier page of the mobile payment system; Step S2, after the multi-tenant payment access system receives the request from the tenant client, it obtains the order information from the tenant server according to the order acquisition information configured by the tenant, and configures according to the processing of the calling parameter acquisition rule and the parameter splicing rule processing Acquisition and transmission parameter splicing rules, merchant information, signature information to generate payment request parameters; and Step S3, calling the payment cash register page according to the generated payment request parameters and performing payment operations. 2. The multi-tenant payment access method according to claim 1, wherein the acquisition and transmission parameter splicing rules include parameter acquisition rules, and the parameter acquisition rules are configured with the tenant system for mandatory parameters and optional parameters. The rules corresponding to the parameter fetching properties. 3. The multi-tenant payment access method according to claim 1, wherein the acquisition and transmission parameter splicing rules include parameter splicing and transmission rules, and the parameter splicing and transmission rules mainly involve the transmission of extended attributes, and multiple parameters can be used in special Regular transmission of character splicing, the extended parameters of transmission can be used for tenants and mobile payment systems to make data statistics, and after transmission, they will be returned to tenants in the payment notification for specific business processing. 4. The multi-tenant payment access method according to any one of claims 1 to 3, further comprising: Step S4, after the payment is successful, initiate a synchronous notification and an asynchronous notification of the payment result through the mobile payment system; and Step S5, after the multi-tenant payment access system receives the asynchronous notification, it notifies the external system to be accessed according to the payment result notification rule configuration. 5. The multi-tenant payment access method according to claim 4, wherein the payment result notification rule configuration includes configuring the attribute parameters that need to be notified in the payment result notification, and Wherein, after the payment result notification fails, subsequent payment notifications are initiated at predetermined intervals on the same day. 6. A multi-tenant payment access system based on mobile payment, comprising: An integration capability module, which is configured to obtain merchant information and order information from the tenant, and initiate a call to the cash register page of the mobile payment system; A configuration function module, which is configured to call a parameter acquisition rule processor and a parameter splicing rule processor to perform acquisition and transmission order information rule configuration; Multi-tenant access mechanism module: it is configured to obtain tenant information and tenant rule configuration for the tenant who initiates calling the cashier page, and parse the rule configuration to achieve a flexible access mechanism; and Merchant signature/signature verification mechanism module, which is structured to obtain the signature key information of the merchant according to the configuration of the merchant, sign all the parameters for requesting mobile payment, and verify the signature of the parameters for receiving mobile payment requests, so as to ensure the security of payment access safety, Wherein the multi-tenant access mechanism module is further configured to generate payment request parameters according to the acquisition and transmission order information rule configuration, merchant information, and signature information. 7. The multi-tenant payment access system according to claim 6, wherein the acquisition and transmission order information rule configuration includes parameter acquisition rule configuration, and the parameter acquisition rule configuration supports the configuration of mandatory parameters and optional parameter configurations. Rules corresponding to the parameter retrieval properties of the tenant system. 8. The multi-tenant payment access system according to claim 6, wherein the acquisition and transmission order information rule configuration includes parameter splicing transmission rule configuration, and the parameter splicing transmission rule configuration mainly involves the transmission of extended attributes, and multiple Parameters are transmitted using special character splicing rules. The transmitted extended parameters can be used by tenants and mobile payment systems for data statistics. After transmission, they will be returned to tenants as they are in the payment notification for specific business processing. 9. The multi-tenant payment access system according to any one of claims 6 to 8, wherein the configuration function module is further configured to execute payment result notification rule configuration, and the payment result notification rule configuration includes payment notification result Parameter rule configuration and notification time rule configuration. 10. The multi-tenant payment access system according to claim 9, wherein the multi-tenant payment access system is configured to: After the payment is successful, initiate a synchronous notification and an asynchronous notification of the payment result through the mobile payment system; and After the multi-tenant payment access system receives the asynchronous notification, it notifies the external system to be accessed according to the payment result notification rule configuration. 11. The multi-tenant payment access system according to claim 10, wherein the payment result notification rule configuration includes configuring the attribute parameters that need to be notified in the payment result notification, and Wherein, after the payment result notification fails, subsequent payment notifications are initiated at predetermined intervals on the same day. 12. A computer device, comprising a memory and a processor, wherein a computer program is stored in the memory, wherein when the processor runs the computer program stored in the memory, the processor executes the computer program according to claim 1 The multi-tenant payment access method described in any one of to 5. 13. A computer-readable storage medium on which a computer program is stored, wherein when the computer program is executed by a processor, the processor executes the method according to any one of claims 1 to 5 Multi-tenant payment access method.

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