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Payment method and payment device

A payment device and payment order technology, applied in the payment system, sales/lease transactions, etc., can solve problems such as slow refunds and inability of users to modify payments flexibly, so as to facilitate order changes or refunds, increase the probability of successful transactions, The effect of increasing the probability of success

Inactive Publication Date: 2014-07-23
SHANGHAI CTRIP COMMERCE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The technical problem to be solved by the present invention is to overcome the defects in the prior art that the user cannot flexibly modify the payment after payment, and cannot carry out subsequent transactions due to the slow refund, and provide a payment service that is more flexible and increases the probability of successful transactions Method and device

Method used

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  • Payment method and payment device
  • Payment method and payment device

Examples

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Embodiment 1

[0042] see figure 2 , the present embodiment provides a payment device 1 for network payment of a large website, the payment device includes: a server 11 and a bank server 12 . The server 11 includes a business system 111 , a payment system 112 and middleware 113 .

[0043] The business system is used to generate the user's payment order, and send the corresponding payment data generated according to the payment order to the payment system through the middleware;

[0044] The payment system is used to generate a payment request according to the payment data and send the payment request to the bank server, wherein the payment data includes the payment amount of the payment order;

[0045] The bank server is used to execute the payment request;

[0046] The middleware is used to determine whether the modification to the payment order sent by the business system has been received, and if so, obtain the difference between the payment amount of the modified payment order and the...

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Abstract

The invention discloses a payment method and a payment device. The payment method comprises a service system, a payment system, a banking server and middleware; the service system is used for sending payment data to the payment system by virtue of the middleware, the payment system is used for sending a payment request to the banking server, and the banking server is used for executing the payment request; the payment method comprises the following steps that: S1, the middleware determines whether modification on a payment order is received from the service system, and if so, step S2 is executed, otherwise, the flow process is ended; S2, the middleware obtains the balance between payment amount of the modified payment order and the payment amount of the payment order before modification and sends payment data containing the balance to the payment system, and the payment system sends the payment request of the balance to the banking server so that the banking server can execute the payment of the balance. The payment method is more flexible in payment services, and convenient for users to modify orders or get refund after one transaction, and also is capable of increasing the probability of successful transaction.

Description

technical field [0001] The invention relates to a payment method and device. Background technique [0002] At present, the application range of network payment and telephone payment is getting wider and wider in the market. Among them, online payment refers to a business in which the bank provides online fund settlement services when the seller and the buyer conduct transactions through e-commerce websites on the Internet. Network payment provides a safe, fast and convenient e-commerce application environment and online fund settlement tool for enterprises and individuals. Online payment not only helps enterprises realize the rapid collection of sales funds and shortens the collection cycle, but also provides online consumption payment and settlement methods for personal online banking customers, so that customers can truly shop online without leaving home. [0003] OTA (Online Travel Agent) refers to an online travel agency, which is a professional term in the travel e-co...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/06G06Q20/38
Inventor 潘丽娟
Owner SHANGHAI CTRIP COMMERCE CO LTD
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