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Network payment processing method and system

A technology for online payment and processing method, applied in the field of online payment, can solve the problems of restricting the growth of online payment business, frequent and complex system interactive access, and reduced processing performance, so as to simplify development and maintenance, improve scalability, and high survivability. Effect

Inactive Publication Date: 2017-03-15
SHANGHAI CTRIP COMMERCE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0007] The technical problem to be solved by the present invention is to overcome the large workload, high cost and frequent and complicated interactive visits between various systems in the prior art for the processing method of network payment and the design, development and maintenance of the system, resulting in overall processing performance Reduce the defects that restrict the growth of online payment business, provide a network payment processing method and system that has a clear structure, is easy to develop and maintain, and can reduce system complexity to meet the needs of network payment business growth

Method used

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Embodiment 1

[0035] Such as figure 1 As shown, a method for processing network payment includes the following steps:

[0036] 101. The basic atomic business of preset network payment, the basic atomic business includes deduction atomic business, refund atomic business, transfer refund atomic business, transfer money atomic business and risk control atomic business, of which the risk control atomic business is used for transactions Risk control of cards, online banking accounts or third-party accounts.

[0037] 102. Differentiate the payment services of the online payment according to the request information of the online payment, so as to obtain the service type. Among them, the request information includes the product type and transaction type, and the product type includes transfer products, top-up products, targeted cash withdrawal products, savings card products, credit card products, online banking products, gift card products, wallet cash balance products, Alipay scanning code payme...

Embodiment 2

[0062] Such as figure 2 As shown, a network payment processing system includes a preset module 1 , a service differentiation module 2 , an atomic segmentation module 3 and an execution module 4 .

[0063] The preset module 1 is used to preset the basic atomic business of network payment. The basic atomic business includes deduction atomic business, refund atomic business, transfer refund atomic business, transfer deduction atomic business and risk control atomic business. The risk control atomic business is used for risk control of transaction cards, online banking accounts or third-party accounts.

[0064] The business distinguishing module 2 is used to distinguish the payment business of the network payment according to the request information of the network payment, so as to obtain the business type. Online payment request information includes product type and transaction type; product type includes transfer products, top-up products, targeted cash withdrawal products, sa...

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Abstract

The invention discloses a network payment processing method and system. The processing method comprises the following steps that S1, basic atomic services of network payment are preset, wherein the basic atomic services include a deduction atomic service, a refund atomic service, an account transfer atomic service and a risk control atomic service; S2, the payment service of network payment is distinguished according to request information of network payment so as to obtain the service type; S3, the payment service is segmented according to the service type in the S2 so as to generate an atomic service chain, wherein the atomic service chain includes at least one basic atomic service; and S4, each basic atomic service of the atomic service chain is performed in turn. According to the network payment processing method and system, the requirement of new type of payment products can be easily met. According to the processing method, development and maintenance of the processing programs of the payment products of network payment can be greatly simplified so that the complexity of the whole processing system can be reduced and the working efficiency can be enhanced.

Description

technical field [0001] The invention belongs to the field of network payment, in particular to a method and system for processing network payment. Background technique [0002] With the development of e-commerce, a wide variety of online payment services continue to emerge. The scope and frequency of use of users of various e-commerce websites continue to grow, and the payment requests increase massively. The payment scenarios are becoming more and more complex. One payment request is related to many System, including liquidation with banks, settlement with suppliers, risk control of payment requests, interaction with various bank systems, various third-party payment systems, etc., the function and performance problems of the existing network payment processing system are increasing Outstanding, the increasing cost of system maintenance has seriously restricted the ability of the network payment processing system to support business growth. [0003] In the existing online p...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/10G06Q20/36G06Q20/40
Inventor 马镇平陆费汉平吴广安彭健鑫许学军
Owner SHANGHAI CTRIP COMMERCE CO LTD
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