Method and system for achieving service of payment in installments

Abstract

The invention discloses a method for achieving a service of payment in installments, which comprises the following steps that: after receiving a first request message sent by an electronic commerce transaction platform and carrying service application related information, a third-party payment platform sends a second request message carrying the service application related information to a bank platform, wherein the first request message and the second request message are used for applying for the use of the service of payment in installments based on commodity transaction; and the third-party payment platform receives the certification results after the bank platform performs qualification and credit line certifications on a corresponding user according to the service application related information, processes the commodity transaction according to the service of payment in installments when the bank platform is confirmed to allow the user to use the service of payment in installments according to the certification results, and informs the electronic commerce transaction platform of the processing result. Thus, the method effectively prevents user data from being disclosed, improves the security of the commodity transaction, and simultaneously, greatly shortens the payment process of the commodity transaction and saves the payment time. The invention discloses a system for achieving the service of payment in installments at the same time.

Description

technical field [0001] This application relates to the field of computers, in particular to a method and system for realizing installment payment business. Background technique [0002] With the development of e-commerce technology, more and more people choose to shop online on e-commerce platforms, and the products involved in buying and selling are becoming more and more abundant, and the amount involved is also increasing. Therefore, how to shop safely and conveniently online Payment has become an urgent problem in the development of e-commerce. [0003] Under the prior art, there are many methods for e-commerce transaction platforms to realize payment, and one of them is to complete electronic payment through a third-party payment platform. The so-called third-party payment platform is an electronic platform specially used to solve online transaction payment problems. These third-party payment platforms are usually connected with several e-commerce transaction platforms...

AI Technical Summary

Problems solved by technology

Obviously, it is risky to adopt the current human transaction in the business application process; at the same time, it also greatly reduces the processing efficiency of the e-commerce trading platform for commodity transactions, which will seriously affect the user experience during the peak period of transaction volume

On the other hand, there are many credit card issuing banks. If the e-commerce platform wants to open credit card payment, it needs to connect with the online payment systems of multiple banks. Since the systems of each bank are different, this will undoubtedly increase the access cost of the e-commerce platform.

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