Payment method and device

A payment information and payment channel technology, applied in the field of payment methods and devices, can solve the problems of long payment response time and reduce online payment efficiency, and achieve the effects of shortening payment response time, reducing advance payment risk, and improving payment efficiency

Inactive Publication Date: 2016-09-07
BEIJING XIAOMI PAYMENT TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0004] However, when the third-party payment platform requests payment from other servers, it may be affected by various factors such as network speed and server status, resulting in a long payment response time, thereby reducing the efficiency of online payment

Method used

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  • Payment method and device
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Embodiment Construction

[0071] Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numerals in different drawings refer to the same or similar elements unless otherwise indicated. The implementations described in the following exemplary examples do not represent all implementations consistent with the present disclosure. Rather, they are merely examples of apparatuses and methods consistent with aspects of the present disclosure as recited in the appended claims.

[0072] The terminology used in the present disclosure is for the purpose of describing particular embodiments only, and is not intended to limit the present disclosure. As used in this disclosure and the appended claims, the singular forms "a", "the", and "the" are intended to include the plural forms as well, unless the context clearly dictates otherwise. It should also be understood...

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Abstract

The invention relates to a payment method and device. The method includes the following steps that: a payment request carrying payment amount is sent to a server corresponding to a payment channel, wherein the payment amount is amount to be paid by a payer to a payee; if specified payment information returned by the server is not received in a first preset time period, the credit of the payer is obtained; and when it is determined that a preset advanced payment condition is satisfied according to the obtained credit, the payment amount is paid, and payment success information is outputted to the terminal of the payee. With the payment method and device of the invention adopted, payment time delay caused by many factors such as Internet speed and the condition of the server can be avoided, payment response time is shortened, and payment efficiency is improved.

Description

technical field [0001] This application relates to the technical field of payment, in particular to a payment method and device. Background technique [0002] With the development of the Internet, payment through third-party payment platforms has become a widely used payment method in people's daily life. The third-party payment platform can be Alipay, Quick Money, WeChat, etc., making the transaction between the payer and the payee more convenient and faster. [0003] There can be many payment channels on the third-party payment platform, and different payment channels correspond to corresponding servers, such as the bank payment channel bound to the third-party payment platform, and the bank payment channel corresponds to the bank server. The third-party payment platform receives the payment request, and generates a payment request carrying the payment amount when the user's identity is verified according to the payment request, and sends the payment request to the server...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/08
CPCG06Q20/0855
Inventor 续丽娜陈恺林俊琦
Owner BEIJING XIAOMI PAYMENT TECH CO LTD
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