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Payment method and device

A payment operation, legal technology, applied in the field of payment, can solve the problems of merchants' capital turnover difficulties and other problems

Pending Publication Date: 2019-05-10
CHINAUMS
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Combined with the characteristics of e-commerce, most of the sellers are small and medium-sized enterprises, and the funds are even tighter during holidays, because consumers have a strong willingness to spend during holidays, and the number and amount of consumption are particularly prominent during holidays. However, the existing third-party payment institutions The capital settlement system cannot realize the merchant's funds to arrive at the account during holidays (such as weekends, National Day and other national statutory holidays), resulting in difficulties in the merchant's capital turnover

Method used

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  • Payment method and device
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Embodiment Construction

[0024] In order to make the purpose, technical solutions and advantages of the embodiments of the present disclosure clearer, the technical solutions of the present disclosure will be clearly and completely described below in conjunction with the accompanying drawings. Obviously, the described embodiments are part of the embodiments of the present disclosure, not all of them. implementation. Based on the implementation manners in the present disclosure, all other implementation manners obtained by persons of ordinary skill in the art without creative efforts shall fall within the protection scope of the present disclosure.

[0025] To describe the relationship between buyers, sellers, and third-party payment platforms, see figure 1 The schematic diagram of the application scenario of the third-party payment platform shown:

[0026] In the first step, the customer purchases goods on the e-commerce website and decides to purchase;

[0027] In the second step, the customer choo...

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Abstract

The invention relates to the technical field of payment, in particular to a payment method and device. The payment method comprises the following steps: if the current moment is a preset moment, comparing the current date with a pre-stored date table; wherein the date table stores a holiday date regulated by the country; if the current date is included in the date table, obtaining a sorting pipeline file; and carrying out payment operation on the clearing pipeline file. By adopting the scheme, the current date is compared with the pre-stored holiday date table; and if the current date is included in the date table, determining that the day is a holiday, and then starting payment work, so that the merchant can also realize fund payment on the holiday.

Description

technical field [0001] The present application relates to the technical field of payment, in particular to a payment method and device. Background technique [0002] With the vigorous development of e-commerce, both sellers and buyers tend to borrow third-party payment platforms for safety reasons. Third-party payment has become an indispensable form of payment today. In the transaction through the third-party payment platform, after the buyer purchases the goods, he uses the account provided by the third-party payment platform to pay for the goods, and the third-party payment platform notifies the seller that the payment has arrived and the goods are shipped; after the buyer inspects the goods, he can notify Pay to the seller, and the third-party payment platform will transfer the money to the seller's account. Combined with the characteristics of e-commerce, most of the sellers are small and medium-sized enterprises, and the funds are even tighter during holidays, becaus...

Claims

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Application Information

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IPC IPC(8): G06Q20/02G06Q20/08G06Q20/38G06Q20/40
Inventor 谢群松葛晓军胡颖皓蔡经云杜卉江飞吕俊楠陈泽瀛张晖李文成郑伟徐志晨
Owner CHINAUMS
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