A system, method and device for payment business execution

Abstract

The present application discloses a system, method and device for executing a payment service. According to the identification of the card issuer server carried in the payment request sent by the acquirer server, it is determined that the payment request is executed by the card issuer server, and the payment request is generated according to the payment request. Card organization service identifier, return the card organization service identifier to the buyer terminal, and send the card organization service identifier to the card issuer server, so that the buyer terminal sends payment to the card issuer server according to the card organization service identifier operation request, and then make the card issuer server execute the payment service created based on the card organization service identifier according to the payment operation request. It can be seen that the buyer terminal does not need to wait for the card issuer server to receive the payment request and return the card issuer business identifier created according to the payment request, which reduces the waiting time of the user, reduces the security risk, and improves the execution efficiency of the payment business. efficiency.

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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