Payment method, payment device and payment system of networked transaction

Abstract

The invention discloses a payment method, a payment device and a payment system of networked transaction. The payment system comprises a client, a payment platform, a payment success informing interface and a commercial tenant end, wherein the client comprises a bill processing module which is used for receiving an ordered bill of a buyer and sending advance payment request information; the payment platform comprises a payment settlement module, and is used for processing the advance payment request information of the buyer and freezing advance payment account in an account of the buyer; the payment success informing interface is used for transmitting account paid transaction information to the commercial tenant end; and the commercial tenant end comprises an interactive interface used for being abutted against an industry business system. When the commercial tenant end receives the account paid transaction information of the buyer, the transaction is executed by calling the interactive interface. Compared with a prior agency secured transaction, the technical scheme is that the payment method, the payment device and the payment system of the networked transaction reduce the amount of information needing processing, save network bandwidth resources, and meanwhile reduce manual operations of the buyer and a seller.

Description

technical field [0001] The invention relates to a payment method, device and system for network transactions, belonging to the field of electronic commerce. Background technique [0002] With the popularization of the Internet and the development of online payment technology, online shopping through the Internet has become an important way of shopping. With a wide range, you can browse and compare the same or different types of products sold by many different merchants at the same time; the price is cheap, and there is a large discount in price compared to the products sold in physical stores. Based on these advantages of online shopping, online shopping platforms that provide online shopping have been fully developed. For example, Ebay (www.ebay.com) and Amazon (www.amazon.com), which are relatively famous foreign online shopping websites, and Taobao (www.taobao.com), which are relatively famous domestic shopping websites, and Baidu Youah (www.youa.com). com), and so on. ...

AI Technical Summary

Problems solved by technology

[0004] However, the problem with instant transfers is that the funds are transferred to the seller's account before the buyer receives the goods, and the buyer's interests cannot be fully protected, so it is not suitable for C2C ( Consumer to Consumer, consumer to consumer) application environment

[0006] However, the disadvantages of intermediary secured transactions are: the transaction process is relatively complicated, and the intermediary secured transaction system needs to process a large amount of interactive information between buyers and sellers, which puts forward higher requirements for the performance, stability and security of the system. It also takes up more network resources

However, due to the objective failure of the transaction (such as ticket issuance failure, operator system maintenance, game recharge system maintenance, etc.), the refund rate is relatively high, and the existing two transactions cannot automatically process the refund operation. Not only does it require the seller to increase the corresponding labor costs, but it will also affect the processing efficiency of the business

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