Network transaction payment processing system and method

A technology for processing system and network transactions, applied in the direction of payment architecture, data processing applications, instruments, etc., can solve the problems of multiple systems and network resources, increase operational complexity, insecurity, etc., to save system and network resources, avoid Unsafe factors, the effect of improving the experience of use

Inactive Publication Date: 2013-01-02
BAIDU ONLINE NETWORK TECH (BEIJIBG) CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

It not only takes up more system and network resources, but also brings more insecure factors
For users, it incre

Method used

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  • Network transaction payment processing system and method
  • Network transaction payment processing system and method
  • Network transaction payment processing system and method

Examples

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Example Embodiment

[0061] Please refer figure 1 As shown, this application discloses a payment processing system for network transactions, which includes: a client device 1, an intermediary processing device 2, and a merchant device 3.

[0062] The client device 1 is used to receive an order request of a buyer user to order a certain product or service and a payment request corresponding to the order request, and send the payment request of the buyer user to the transaction processing system 2 via the network. In the solution of this application, the buyer can include multiple.

[0063] The intermediary processing device 2 is used to receive payment requests from at least two buyers for the same transaction, transfer the payment amount from the corresponding buyer’s account to the local account according to the payment request, and transfer the payment according to the transaction type or user confirmation information. The amount is transferred to the seller’s account, and the account status change i...

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Abstract

The invention discloses a network transaction payment processing system and a network transaction payment processing method. The payment processing system comprises client equipment, commercial tenant equipment and agent processing equipment which are connected with one another through a network, wherein the client equipment is used for sending a payment request of a buyer user to the agent processing equipment through the network; the agent processing equipment is used for receiving the payment requests sent by at least two buyers for the same transaction, transferring payment sums from accounts of the corresponding buyers into a local account according to the payment requests, then transferring the payment sums into an account of a seller according to a transaction type or user confirm information, and sending account state change information corresponding to the transaction to the commercial tenant equipment; and the commercial tenant equipment is used for sending a corresponding prompt to the seller user according to the information sent by the agent processing equipment. by the scheme, a plurality of sellers can directly transact with the seller in the same transaction, so that system resources and network resources are saved, and the data interaction efficiency is improved.

Description

technical field [0001] The application relates to a network transaction payment processing system and method, belonging to the field of electronic commerce. Background technique [0002] In the existing e-commerce payment processing system, there are two common bookkeeping modes: "one entry and one exit" and "one entry and multiple exits". Here, "in" refers to spending a certain amount of money from the buyer's payer's account, and "out" refers to transferring the amount paid by the payer to the payee's account. In a common transaction payment process, the transaction funds only flow from one buyer's account to another seller's account, using the one-in-one-out bookkeeping model; if the transaction funds are only paid out from one buyer's account, but flow into multiple The seller's account is applicable to the one-in-multi-out bookkeeping mode. [0003] The existing "one-in-one-out" resource interaction method is that the first user owns resource A, the second user owns r...

Claims

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Application Information

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IPC IPC(8): G06Q20/12G06Q20/16
Inventor 舒真才赵建户谢德平黄俊
Owner BAIDU ONLINE NETWORK TECH (BEIJIBG) CO LTD
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