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Online payment method and device

An online payment and pending payment technology, which is applied in the payment system, payment system structure, payment scheme/model, etc., can solve the problems of reducing user experience, low payment efficiency, and low deduction efficiency, so as to improve user experience and increase Display efficiency and improve payment efficiency

Inactive Publication Date: 2019-03-05
GUANGZHOU YONGZHI INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] In the process of realizing the present invention, the inventor found the following problems in the prior art: because in the payment process, the e-commerce platform needs to send the payment identification and the preferential information to be used to the online merchant who provided the preferential information for confirmation before passing The e-commerce platform displays the payment scheme, which makes the display efficiency of the payment scheme low; at the same time, after receiving the payment scheme selected by the consumer, the preferential information and the third-party payment method must be combined for payment. Among them, the third-party payment platform sends the payment to the bank. Deduction request (including consumer identification and payment amount), so that the bank confirms the information according to the deduction request, and transfers the payment amount to the third-party payment platform after the information confirmation is successful, so that the payment can be completed, which makes the deduction efficiency low. Therefore, the payment efficiency of the existing online payment method is low, which reduces the user experience

Method used

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Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0075] Such as figure 1 Shown, a kind of online payment method of the present invention comprises steps:

[0076] S1. Obtain a payment order with user information and target commodity information; wherein, at least two payment accounts are preset in the user information, and preferential information is preset in the target commodity information;

[0077] In this embodiment, the preferential information is preset for the target commodity information, so that when the payment order for the target commodity information is obtained, the preferential information corresponding to the target commodity information is obtained, and the preferential information is specifically the payment of each payment account. A ratio or payment limit; for example, a shirt is sold for 100 yuan, of which 50 yuan can be paid using the first payment account and 50 yuan can be paid using the second payment account.

[0078] S2. Display the payment limit of the first payment account according to the pre-...

Embodiment 2

[0107] Such as Figure 4 As shown, in addition to all the steps in Embodiment 1, Embodiment 2 receives the confirmation payment instruction input by the user terminal, and deducts the corresponding actual payment from the first payment account and the second payment account according to the confirmation payment instruction. After paying the amount, there are also steps to:

[0108] S6. Transfer the actual payment amount of the first payment account and the actual payment amount of the second payment account to the preset transfer account, and generate a third loan serial number with a user identification;

[0109] S7. According to the preset payment conditions and the preset merchant ID in the target product information, transfer all the actual payment amount in the transfer account to the online merchant account corresponding to the merchant ID; wherein, the preset payment conditions include the preset Payment time frame.

[0110] In this embodiment, when the actual payment...

Embodiment 3

[0112] Such as Figure 5 As shown, the present invention also provides an online payment device, including: a payment order acquisition module 1, configured to acquire a payment order with user information and target commodity information; wherein, at least two payment accounts are preset in the user information, and the target The product information is preset with preferential information; the payment limit display module 2 is used to display the payment limit of the first payment account according to the corresponding relationship between the pre-established preferential information and the first payment account; the payment amount setting module 3 is used to receive user The setting instruction input by the terminal is to set the actual payment amount of the first payment account according to the setting instruction; the payment amount generation module 4 is used to generate the second payment account according to the actual payment amount of the first payment account and t...

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Abstract

The invention discloses an online payment method, comprising the following steps of obtaining a payment order with user information and target commodity information; displaying a payment limit of thefirst payment account according to a correspondence relationship between the preferential information and the first payment account; receiving a setting instruction inputted by the user terminal to set an actual payment amount of the first payment account according to the setting instruction; generating the actual payment amount of the second payment account according to the actual payment amountof the first payment account and the total payment amount of the payment order; and receiving a confirmation payment instruction inputted by the user terminal, and respectively subtracting the corresponding actual payment amounts from the first payment account and the second payment account to complete online payment. The invention also provides an online payment device. By adopting the online payment method and the device of the invention, the online payment efficiency can be effectively improved, and the user experience can be improved.

Description

technical field [0001] The invention relates to the technical field of e-commerce applications, in particular to an online payment method and device. Background technique [0002] With the popularity of the Internet and the development of the economy, online shopping has increasingly become an important form of shopping. In order to stimulate consumers' consumption enthusiasm and stimulate consumers' desire to buy, online merchants usually use a variety of promotional methods to promote consumers' purchase and use of commodities. For example, issuing coupons, point promotions and rebate promotions, etc. [0003] At present, for the preferential information provided by online merchants, the online payment method provided by the prior art is as follows: the e-commerce platform obtains the payment identification of the payment terminal (including the account number associated with the third-party payment platform) and the preferential information to be used, and sends it to A...

Claims

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Application Information

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IPC IPC(8): G06Q20/08G06Q20/10G06Q20/22G06Q20/38G06Q20/42
CPCG06Q20/0855G06Q20/102G06Q20/227G06Q20/387G06Q20/42
Inventor 黎庆禧李贤珍许秋业朱世杨
Owner GUANGZHOU YONGZHI INFORMATION TECH CO LTD
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