Payment control method and system based on credit data

A credit and data technology, which is applied in the field of payment control based on credit data, can solve the problems of low capital return rate and low capital turnover efficiency in the industrial chain, and achieve the effect of accelerating capital turnover efficiency and increasing capital return rate

Active Publication Date: 2013-03-13
汇付天下有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0005] The technical problem to be solved by the present invention is to provide a payment control method based on credit data, which can solve the problems of low capital turnover efficiency and low industrial chain capital return rate in the existing online payment system

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  • Payment control method and system based on credit data
  • Payment control method and system based on credit data
  • Payment control method and system based on credit data

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Embodiment Construction

[0030] In order to make the above-mentioned purposes, features and advantages of the present invention more obvious and easy to understand, before the present invention is further described in detail in conjunction with the accompanying drawings and specific embodiments, first introduce several concepts related to network payment control:

[0031] Merchant: The business partner of the third-party payment platform, generally a platform that provides online sales, and provides online payment services for users who shop on the merchant sales platform by connecting with the third-party payment platform.

[0032] User: generally understood as buyers, who shop on the merchant platform and complete online payment through the payment channel (bank card or other virtual account) provided by the third-party payment platform. This article specifically refers to buyers who use third-party payment platform credit accounts to make online payments.

[0033] Third-party payment platform: Prov...

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Abstract

The invention provides a payment control method and a system based on credit data. The method includes that a third-party payment platform receives payment requests sent by a merchant server; whether the state of a merchant is normal is judged, if the state is normal, a user is prompted to input credit account information, whether the state of a credit account is normal and an available amount is larger than or equal to an order amount are judged, if the state is normal and the available amount is larger than or equal to an order amount, deduction treatment of the credit account, collection treatment of the merchant and calculation treatment of transaction procedure fees are performed. The third-party payment platform provides a credit account with a certain amount and a payment day for users at different merchants respectively according to parameter values of users, in an available amount, users can complete safe network transaction in the condition that actual cash payment is produced without banks, and accordingly, the capital turnover efficiency is accelerated, and fund yields of industry chains are improved.

Description

technical field [0001] The invention relates to the technical field of network data transmission control, in particular to a payment control method and system based on credit data. Background technique [0002] Third-party payment has developed into the most important link in the network payment industry chain. On the one hand, it connects banks to handle a series of tasks such as fund settlement, customer service, and error handling. The transaction can be successfully accessed. The one-stop access service of third-party payment enables both the bank and the merchant to avoid the high cost of one-to-one access and the cumbersome business operation mode. The existing third-party payment can be integrated with most domestic commercial banks, providing users with the function of payment gateway, which solves the payment bottleneck problem in e-commerce to a certain extent. [0003] However, the existing third-party payment provides a purely technical gateway access service, ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02
Inventor 周晔
Owner 汇付天下有限公司
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