System, method and device for execution of payment business

Abstract

The invention discloses a system, method and device for the execution of payment business. The method comprises the steps: determining that a payment request is executed by a card issuing mechanism server according to the identification of the card issuing mechanism server in the payment request transmitted by an acquirer mechanism server; generating a card organization business identification according to the payment request, and returning the card organization business identification to a purchaser terminal; transmitting the card organization business identification to the card issuing mechanism server, so as to enable the purchaser terminal to transmit the payment operation request to the card issuing mechanism server according to the card organization business identification, thereby enabling the card issuing mechanism server to execute the payment business created based on the card organization business identification according to the payment operation request. Therefore, the purchaser terminal does not need to wait for the card issuing mechanism server to receive the payment request and return the card organization business identification created according to the payment request, reduces the waiting time of a user, reduces the safety risk, and improves the execution efficiency of payment business.

Description

technical field [0001] The present application relates to the field of information technology, and in particular to a system, method and device for executing payment services. Background technique [0002] With the development of information technology, online payment has become a relatively common business, and since the funds of buyers or merchants are usually stored in banks, and the banks, institutions or platforms where merchants and buyers store funds may It is not completely consistent, which involves communication between different institutions, and communication between different banks is usually forwarded through the card organization (ie, the four-party model). [0003] Specifically, in the prior art, the four-party model for realizing the payment business can be as follows figure 1 As shown, it can be seen that it includes: buyer A, merchant B, acquirer C, card issuer D, and card organization E. Among them, the acquirer C and the card issuer D can be various ba...

AI Technical Summary

Problems solved by technology

[0026] The embodiment of the present application provides a system for executing payment business, which is used to solve the problems that if the four-party mode is involved in the payment business in the prior art, the payment business execution time will be longer, security risks will be increased, and payment efficiency will be reduced.

[0027] The embodiment of the present application provides a method for executing a payment business, which is used to solve the problems that if the four-party mode is involved in the payment business in the prior art, the execution time of the payment business will be longer, the security risk will be increased, and the payment efficiency will be reduced.

[0028] The embodiment of the present application provides a device for executing payment business, which is used to solve the problems that if the four-party mode is involved in the payment business in the prior art, the execution time of the payment business will be longer, security risks will be increased, and payment efficiency will be reduced.

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