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Method, device and system for processing payment transaction

A business processing and payment technology, applied in the Internet field, can solve problems such as loss of merchants or users, tampering of payment business information, disrupting the e-commerce transaction environment, etc.

Inactive Publication Date: 2013-04-03
PAYPALM TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] It can be seen that the electronic payment can be completed through the above process, but in the payment process, the third-party payment client directly obtains the payment business information from the e-commerce transaction platform, and the direct connection between the e-commerce transaction platform and the third-party payment client information transmission, so that the payment business information has the risk of being tampered with, which may bring losses to merchants or users in the e-commerce trading platform, and also disrupt the e-commerce trading environment
Therefore, the existing electronic payment also has security risks

Method used

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  • Method, device and system for processing payment transaction
  • Method, device and system for processing payment transaction

Examples

Experimental program
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Effect test

Embodiment 1

[0049] Embodiment one: see figure 1 , the process of payment business processing includes:

[0050] Step 101: The third-party payment platform receives the payment service request sent by the third-party payment client.

[0051] After the e-commerce transaction platform generates an order, it will initiate a payment service request to the third-party payment platform through the third-party payment client. The payment service request carries payment identification information. Here, the third-party payment client sends the payment service request carrying the first payment identification information.

[0052] The payment identification information may be generated by the third-party payment client itself, or obtained from the e-commerce transaction platform. For example: the third-party payment client randomly generates a payment identification information. Alternatively, the third-party payment client obtains the first payment service information corresponding to the gener...

Embodiment 2

[0064] Embodiment 2: In order to ensure that the first payment identification information carried in the payment service request sent by the third-party payment client is legal, preferably, the first payment identification information is the order sent by the third-party payment platform according to the e-commerce transaction platform generated by the first payment business information, and forwarded to the third-party payment client through the e-commerce transaction platform, therefore, see figure 2 , the process of payment business processing in this embodiment includes:

[0065] Step 201: The third-party payment platform receives the first payment service information of the order sent by the e-commerce transaction platform after the order is generated.

[0066] According to the instruction of the user, the e-commerce transaction platform generates an order, and sends the first payment service information of the order to the third-party payment platform. The first paymen...

Embodiment 3

[0080] Embodiment 3: In this implementation, the first payment identification information carried in the payment service request sent by the third-party payment client is generated by the third-party payment client itself, and its legality needs to be verified. After verification, the third-party payment The client can obtain the corresponding payment service information, and then process the payment service. see image 3 , the process of payment business processing in this embodiment includes:

[0081] Step 301: The third-party payment platform receives the payment service request carrying the first payment identification information sent by the third-party payment client.

[0082] When the third-party payment client initiates a payment service request, it may randomly generate a first payment identification information. Alternatively, the third-party payment client has received the payment service information of the order sent by the e-commerce trading platform after the o...

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Abstract

The invention discloses a method, a device and a system for processing a payment transaction and is used to improve the safety level of an electronic payment. The method comprises the following steps: a third party payment platform receives a payment transaction request sent by a third party payment client; the third payment platform confirms first payment transaction information which corresponds to first payment labeling information carried in the payment transaction request according to a corresponding relation between the preserved payment transaction information and the payment labeling information; the third party payment platform sends the first payment transaction information to the third party payment client and enables the third party payment platform to carry out a payment processing according to the first payment transaction information.

Description

technical field [0001] The present invention relates to the technical field of the Internet, in particular to a payment service processing method, device and system. 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] At present, 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. The third-party payment platform is usually connected with several e-commerce transaction platforms an...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02
Inventor 刘铁铮
Owner PAYPALM TECH
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