/**
	 * Gets instance of user parameters for $user_id of type $type
	 *
	 * @param  int               $userId
	 * @param  string            $type
	 * @param  string            $prefix
	 * @return cbpaidUserParams
	 */
	public static function getUserParamsInstance( $userId, $type = 'params', /** @noinspection PhpUnusedParameterInspection */ $prefix = '' ) {
		static $cache							=	array();
		if ( ! isset( $cache[(string) $userId][$type] ) ) {
			$userParams							=	new cbpaidUserParams();
			if ( ! $userParams->loadUserParams( $userId, $type ) ) {
				$userParams->user_id			=	$userId;
				$userParams->type				=	$type;
			}
			$cache[(string) $userId][$type]		=	$userParams;
		}
		return $cache[(string) $userId][$type];
	}
 /**
  * Sets Financial alias information of the user (crypted)
  *
  * @param  int    $userId
  * @param  mixed  $aliasInfo
  * @return void
  */
 private function setFinancialCoordinatesAlias($userId, $aliasInfo)
 {
     $userPaymentParams = cbpaidUserParams::getUserParamsInstance($userId, 'params');
     $prefix = $this->getGgatewayNameIdUserParamsPrefix();
     $userPaymentParams->setUserParam($prefix . 'alias', $userPaymentParams->encryptAliasInfo($aliasInfo, 'sf7Qsj-k,p.7/2sp0+2&a%YK85LrC3*fkI1?LfJ(25%).!$NWfE', 'CbS3unlkaDhnDonmDu3847fn*9)Lk)nus(2%$%km'));
     $userPaymentParams->storeParams();
     $userPaymentParams->store();
 }