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A payment method and device

A technology of payment operation and payment amount, applied in the Internet field, which can solve the problems of payment failure, payment limit or insufficient account balance, etc.

Active Publication Date: 2021-10-15
BEIJING JINGDONG SHANGKE INFORMATION TECH CO LTD +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The purpose of the present invention is to provide a payment method and device, which can solve the problem of payment failure caused by insufficient payment limit or account balance when one-time payment orders are made on the network

Method used

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  • A payment method and device
  • A payment method and device

Examples

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Effect test

Embodiment 1

[0048] 1) The acquisition module generates payment bills according to the front-end business (orders that need to be paid), which may include: payment order number, payment bill creation time and total payable amount; it may also include the set timeout period. While generating the payment bill, a corresponding payment link is also generated, which can be sent by the user to other people, and other people can enter the payment link for payment.

[0049] Among them, the payment order number uniquely exists as the primary key and uniquely identifies the payment order. That is to say, whether it is multiple payments or multiple payments, they all correspond to the same payment order number. Any user who enters the payment page through the payment link will pay for the same payment slip number.

[0050] For the set timeout period, for example, if the set timeout period is 24 hours, it means that if the payment is not completed within 24 hours from the creation time of the payment...

Embodiment 2

[0063] Assume that the payment under this payment bill is divided into multiple times, and multiple users make the payment.

[0064] 1) User 1 enters the payment page through the payment link, and the terminal transparently transmits the query request to the payment device after receiving the query request of the remaining payable amount;

[0065] After the payment device receives the query request for the remaining payable amount, it generates a payment message including the remaining payable amount according to the query result and sends it to the terminal;

[0066] User 1 selects the amount to be paid this time and the payment method of this payment according to the payment message and sends it to the terminal;

[0067] The terminal sends the input of user 1 to the payment device to complete the first payment.

[0068] 2) User 2 enters the payment page through the payment link, and after receiving the query request of the remaining payable amount, the terminal transparentl...

Embodiment 3

[0076] It is assumed that the payment under this payment bill is divided into multiple times.

[0077] 1) User 1 enters the payment page through the payment link, and the terminal transparently transmits the query request to the payment device after receiving the query request of the remaining payable amount;

[0078] After the payment device receives the query request for the remaining payable amount, it generates a payment message including the remaining payable amount according to the query result and sends it to the terminal;

[0079] User 1 selects the amount to be paid this time and the payment method of this payment according to the payment message and sends it to the terminal;

[0080] The terminal sends the input of user 1 to the payment device to complete the first payment.

[0081] 2) The payment device automatically queries the updated remaining payable amount, and according to the query result, if the remaining payable amount is greater than zero, then generates ...

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PUM

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Abstract

The invention discloses a payment method. The method includes: A. generating a payment bill; the payment bill includes a uniquely identified payment slip number and a total payable amount; B. according to the payment slip number and the total payable amount contained in the payment bill Determine the remaining payable amount; C. Query the remaining payable amount, if the remaining payable amount is greater than zero, notify the payment user to select the current payment amount and payment method to complete the current payment; after completing the current payment, return to step B And step C, when step C is executed, if the remaining payable amount is equal to zero, generate a message that no further payment is required, and end the process. The invention also discloses a payment device. The invention can solve the problem of payment failure caused by insufficient payment limit or account balance when one-time payment orders are made on the network.

Description

technical field [0001] The invention relates to the field of the Internet, in particular to a payment method and device. Background technique [0002] The current online payment methods all support one-time payment by one person, that is, one order can only be paid once. If the payment fails due to insufficient quota or insufficient balance, you can only go back and choose a payment method for payment. When paying for large orders, or when the balance of the user's bank card is insufficient, this method cannot complete the payment. Contents of the invention [0003] The purpose of the present invention is to provide a payment method and device, which can solve the problem of payment failure due to insufficient payment limit or insufficient account balance when one-time payment orders are made on the network. [0004] In order to achieve the purpose of the above invention, the present invention provides a payment method, which includes: [0005] A. Generate a payment bill...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/10G06Q20/40
CPCG06Q20/102G06Q20/403
Inventor 徐晨曦
Owner BEIJING JINGDONG SHANGKE INFORMATION TECH CO LTD
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