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Method and device for realizing network payment

A technology of network payment and payment conditions, applied in the field of data processing, can solve problems such as cumbersome operations, low efficiency, and unsatisfactory results, and achieve the effects of reducing the amount of operations, improving efficiency, and reducing remote payments

Active Publication Date: 2021-06-29
ADVANCED NEW TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The user needs to re-open the payment page of the order, or even return to the shopping cart to try the next payment, which is cumbersome and inefficient; for users who are not familiar with online payment, it is likely that after many attempts, they still cannot pay due to unsuccessful payment. Don't give up on the transaction, after spending a lot of time and energy, you still can't get a satisfactory result

Method used

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  • Method and device for realizing network payment
  • Method and device for realizing network payment
  • Method and device for realizing network payment

Examples

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Embodiment Construction

[0015] When a user makes an online payment, the payment channel used for the payment is usually determined first. Payment channels include credit cards, debit cards, user fund accounts on third-party payment platforms, etc. It should be noted that different cards or fund accounts of the same user belong to different payment channels. Each payment channel has its own payment conditions. According to the type of payment channel and the functions provided by the payment channel provider (such as the issuing bank, third-party payment platform, etc.), the payment conditions can include various dimensions, such as payment Currency, authorization method, etc. These dimensions can be definite dimensions. For example, if a payment channel can only be used for RMB receipts and payments, the currency of the payment channel is a definite dimension; they can also be option dimensions. The option dimension has two or more possible values, which can be It is up to the user to choose which d...

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Abstract

The present application provides a method for implementing network payment, including: sending a first payment request to the fund server of the payment channel provider based on the first payment condition; the payment condition of the payment channel includes at least one option dimension with different possible values , the first payment condition includes a determined option dimension value; after receiving the payment rejection response from the fund server, a second payment request is sent to the fund server based on the second payment condition, and at least one option dimension of the second payment condition The value is different from the first payment condition. Through the technical solution of the application, the amount of operation of the user when attempting payment is reduced, and the probability of successful payment is improved, and the occurrence of failure to complete remote payment through the network is reduced.

Description

technical field [0001] The present application relates to the technical field of data processing, in particular to a method and device for realizing network payment. Background technique [0002] With the continuous development of network technology, online transactions have become an important transaction method in people's lives, and online payment is an indispensable part of the online transaction process. [0003] In online payment, especially online payment for cross-border transactions, unexplained payment failures are often encountered. In the prior art, when the payment fails in this situation, the payment server of the merchant or the payment server of the third-party platform will return a payment failure message to the user and terminate the payment. The user needs to re-open the payment page of the order, or even return to the shopping cart to try the next payment, which is cumbersome and inefficient; for users who are not familiar with online payment, it is lik...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/08G06Q20/16
CPCG06Q20/0855G06Q20/16
Inventor 朱习文
Owner ADVANCED NEW TECH CO LTD
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