Payment system, payment method and information checking method

A payment information and payment system technology, which is applied in the payment system and payment field, can solve problems such as human error, improvement, error-prone, etc., and achieve the effect of increasing control, simplifying the verification process, and easy processing

Active Publication Date: 2015-07-08
ZUNYI BRANCH OF CHINA MOBILE GRP GUIZHOU COMPANY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0008] Although according to the existing STK payment system, transactions, account reconciliation, and remuneration settlement can be realized, but the communication service party related to the transaction is excluded. First, the communication service party loses the right to monitor the payment process. The process must be sent by the payer to the communication service party by email. Manual participation will lead to a significant increase in human error; thirdly, as a communication service party that provides STK payment application services, payment complaints, returns, In the case of settlement and other situations, since the system does not store payment information for verification, it must wait for the email related to the transaction information, which brings a great delay to the communication service provider when dealing with the above situation, and manually checking the email is cumbersome and easy. go wrong

Method used

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  • Payment system, payment method and information checking method
  • Payment system, payment method and information checking method
  • Payment system, payment method and information checking method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0054] Such as figure 2 As shown, the present embodiment provides a payment system, and the system includes a client 140, a payer service platform 130, a business service platform 110, and a communication service platform 120 of the communication service party:

[0055]The communication service platform 120 is connected to the payer service platform 130 and the business party service platform 110;

[0056] The communication service platform 120 is used to receive the payment request from the client 140, determine whether a fee information sheet corresponding to the payment request and including payment information has been formed, and if it has been formed, pay the payment to the payment according to the fee information sheet. The service platform 130 of the business party sends a payment instruction; if it is not formed, the payment information is obtained from the service platform 110 of the business party, and a fee information sheet is formed, and after the fee informatio...

Embodiment 2

[0073] Such as Figure 4 As shown, this embodiment provides a payment method, which includes:

[0074] Step S110: the communication service platform receives the payment request sent by the client;

[0075] Step S120: The communication service platform judges whether a fee information sheet corresponding to the payment request and including payment information has been formed; if it has been formed, then go to step S130, if not, go to step S140;

[0076] Step S130: Send a payment instruction to the payer service platform according to the fee information sheet;

[0077] Step S140: If not, obtain payment information from the service platform of the secondary business party, form a fee information sheet, and send a payment instruction to the service platform of the payer according to the fee information sheet after the fee information sheet is formed.

[0078] The payment method described in this embodiment, compared to the existing payment method, firstly, the communication se...

Embodiment 3

[0089] Such as Figure 5 As shown, an information checking method in this embodiment is applied to the payment system described in Embodiment 1, and the method includes:

[0090] Step S211: the communication service platform sends a verification request to the business party service platform;

[0091] Step S212: the communication service platform sends a verification request to the payer service platform;

[0092] Step S221: The payment platform of the business party receives and sends the first information to the communication service platform according to the verification request;

[0093] Step S222: The payer service platform receives and sends second information to the communication service platform according to the verification request;

[0094] Step S230: the communication service platform checks the first information, the second information and the third information stored in the communication service platform.

[0095]In a specific implementation process, the step S...

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PUM

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Abstract

The invention discloses a payment system, a payment method, and an information checking method. The system comprises a payment-side service platform, a business-side service platform, and a communication service platform of a communication server. The communication service platform is connected with the payment-side service platform and the business-side service platform. The communication service platform is used for receiving a payment request of a client and judging whether to form a fee information list corresponding to the payment request and including payment information; if a fee information list is formed, the communication service platform sends a payment instruction to the payment-side service platform according to the fee information list; and if a fee information list is not formed, the communication service platform acquires payment information from the business-side service platform, forms a fee information list, and sends a payment instruction to the payment-side service platform according to the fee information list after the fee information list is formed. The payment-side service platform is used for receiving the payment instruction and carrying out payment according to the payment instruction. The business-side service platform is used for providing payment information for the communication service platform.

Description

technical field [0001] The invention relates to electronic payment technology, in particular to a payment system and payment method. Background technique [0002] Such as figure 1 Shown is the STK payment system in the existing e-commerce payment system, and the transaction process, account reconciliation process and remuneration settlement process formed based on the STK payment system. In the existing STK payment system, the service platform of the payer and the service platform of the business party are directly connected through a dedicated line, and there is no access of the communication service party. [0003] The transaction process is: [0004] After the client initiates a payment request, the payment request is directly received by the payer's service platform, and then the UnionPay analysis service is performed, and the analysis is sent to the business party for processing; after confirmation by the business party's service platform, the correct payment informat...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/16G06Q20/40
Inventor 施前锋杨辉项凯
Owner ZUNYI BRANCH OF CHINA MOBILE GRP GUIZHOU COMPANY
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