1results about How to "Simplify overhead" patented technology

This application provides a payment processing method, apparatus, electronic device, storage medium, and program product. The method includes: receiving a payment transaction request from an acquiring node, the payment transaction request being triggered by a contactless payment operation of the acquiring node based on a payment terminal; processing the payment based on the payment transaction request, and determining whether the payment terminal meets the object distribution conditions of the target merchant based on the payment transaction request; when the object distribution conditions are met, sending a payment transaction response to the payment terminal, the payment transaction response including payment completion notification information and the target object of the target merchant, so that the payment terminal displays the payment completion notification information and the target object of the target merchant on the user interface. The payment result and target object distribution are completed in a single response, reducing the downlink message volume and thus significantly reducing the peak QPS pressure on the central gateway; secondly, target description information can be obtained without a secondary request, simplifying system interaction logic and network overhead.