A payment processing method for network transaction business
A network transaction and business technology, applied in the field of Internet technology and business servers, can solve problems such as troublesome operation, consumption of payment server payment processing resources, increase in the number of invalid payment items, etc., to achieve more transaction opportunities, reduce capital investment pressure, reduce the effect of consumption
Inactive Publication Date: 2016-03-30
CHONGQING MIAOYIN TECH
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Problems solved by technology
In this way, under the limitation of existing online transaction payment processing technical conditions, users need to submit a transaction order for different order intentions, and need to prepay the payment items corresponding to each transaction order through the user account Or freeze processing to ensure the feasibility of each transaction order, which brings greater pressure on the user's capital investment; on the other hand, once one of the multiple transaction orders submitted by the user is completed, the user needs to cancel it by himself For other transaction orders of the same type of products, and to reverse the account amount paid by these transaction orders, it not only brings trouble to the user's operation, but also greatly increases the number of invalid payment items that are paid first and then reversed in the payment server , consuming the payment processing resources of the payment server
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[0031] In this embodiment, an online transaction service that provides hotel room ordering is taken as an example. There are many hotel merchants registered in the online transaction service. Through this service, users are provided with hotel room ordering services. Each hotel merchant provides the user with a price tag for a hotel room. Amount information, room size, suite facilities and other text introductions and corresponding picture introductions and other hotel room introduction information, as well as business description information such as the location of the hotel merchants, hotel star level, etc., all of which are released to the outside world through the online transaction business platform , so that the user can choose a hotel room that meets his needs for ordering transactions. At the same time, the network transaction service adopts the payment processing method of the present invention to provide users with payment services for ordering hotel rooms. A user a w...
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The present invention provides a payment processing method for network transaction business. The method is executed by two-way communication between the network transaction service server and the payment server. The transaction order submitted by the user to the network transaction service server may contain multiple order items. Each order item records the corresponding ordered transaction product and item transaction amount; through two-way communication between the network transaction business server and the payment server, the payment server uses the transaction amount of the item with the highest amount in the transaction order as the frozen amount, Freeze the amount of the user's account; the network transaction service server only determines the actual transaction order items and the corresponding item transaction amount in the transaction order based on the transaction request received for the first time, and then deducts the actual transaction amount from the frozen amount Order the corresponding item transaction amount of the item, and return the balance after deducting the frozen amount to the user's account.
Description
technical field [0001] The invention relates to the field of Internet technology and business server technology, and in particular to a payment processing method for network transaction business. Background technique [0002] With the development of Internet technology and business server technology, business services in the Internet emerge in an endless stream; at the same time, the progress of remote payment technology has also driven the development of network transaction business. In the online transaction business, the payment processing of the transaction is the most important link in its business chain, which is directly related to whether the online transaction business can be carried out smoothly. The payment processing of online transaction business is usually completed by two-way communication and cooperative processing between the network transaction service server provided by the network transaction service operator and the payment server provided by the bank. T...
Claims
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IPC IPC(8): G06Q20/12G06Q30/06
Inventor 马昭德
Owner CHONGQING MIAOYIN TECH