Payment method and apparatus based on third-party payment platform and storage medium

A payment platform and payment request technology, applied in payment systems, payment architectures, instruments, etc., can solve problems such as payment failures, reduce the number of interactions, improve user experience, and improve payment success rates.

Pending Publication Date: 2019-08-02
BEIJING SANKUAI ONLINE TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] The present disclosure provides a payment method, device and storage medium based on a third-party payment platform to solve the technical problem of payment failure caused by the payment channel of the bank card in the related art

Method used

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  • Payment method and apparatus based on third-party payment platform and storage medium
  • Payment method and apparatus based on third-party payment platform and storage medium
  • Payment method and apparatus based on third-party payment platform and storage medium

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Embodiment Construction

[0056] Specific embodiments of the present disclosure will be described in detail below in conjunction with the accompanying drawings. It should be understood that the specific embodiments described here are only used to illustrate and explain the present disclosure, and are not intended to limit the present disclosure.

[0057] figure 2 It is a schematic diagram of an implementation environment shown according to an exemplary embodiment. like figure 2As shown, the implementation environment may include a background 20 (that is, a server corresponding to a third-party payment platform) and a terminal 21 . The terminal 21 may be a user device that accesses the background 20 through a network, such as a desktop computer, a smart phone, a tablet computer, a notebook computer and other user devices. figure 2 It is shown that the terminal 21 is a smart phone.

[0058] A client that needs to use a third-party payment platform for payment can be installed in the terminal 21. W...

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Abstract

The invention relates to a payment method and apparatus based on a third-party payment platform, and a storage medium, and the payment method and apparatus are used for solving the technical problem of payment failure caused by a payment channel of a bank card in the prior art. The method for payment based on the third-party payment platform comprises the steps of receiving a payment request of aterminal, wherein the payment request comprises payment verification information input by a user and bank card information bound with the third-party payment platform; confirming that the payment verification information passes background verification; and selecting a target channel from the plurality of bank channels for payment according to the online data of the plurality of bank channels corresponding to the bank card information.

Description

technical field [0001] The present disclosure relates to the field of electronic payment, in particular, to a method, device and storage medium for payment based on a third-party payment platform. Background technique [0002] After the user completes the operation of binding the domestic bank card to the platform on the third-party payment platform with a payment license, when the e-commerce that uses the third-party payment platform as the payment tool completes the order operation, the user can use the previous third-party payment The domestic bank card bound on the platform completes the payment operation. During the payment process, some identity information needs to be verified through the bank channel tied to the card to complete the payment. Therefore, there are generally payment failures caused by problems with the bank card payment channel. Contents of the invention [0003] The present disclosure provides a payment method, device and storage medium based on a t...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/08G06Q20/10G06Q20/40
CPCG06Q20/0855G06Q20/105G06Q20/4014
Inventor 李骥俊罗京吕树华孙慧玲
Owner BEIJING SANKUAI ONLINE TECH CO LTD
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