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Electronic payment method and device, computer equipment and storage medium

A technology of electronic payment and payment software, which is applied in the field of data processing, can solve the problem that the two-dimensional code collection is not convenient enough, and achieve the effect of improving convenience

Pending Publication Date: 2019-08-16
ONE CONNECT SMART TECH CO LTD SHENZHEN
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The main purpose of the present invention is to provide an electronic payment method, device, computer equipment and storage medium, aiming to solve the problem that merchants are not convenient enough to collect accounts using two-dimensional codes

Method used

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  • Electronic payment method and device, computer equipment and storage medium
  • Electronic payment method and device, computer equipment and storage medium
  • Electronic payment method and device, computer equipment and storage medium

Examples

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Embodiment Construction

[0044] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0045] refer to figure 1 , the electronic payment method in this embodiment includes:

[0046] Step S1: Receive the transaction request sent by the consumer after using the payment software to scan the payment QR code of the target merchant. The transaction request includes the payment institution information corresponding to the payment software and the identification information of the target merchant. The payment software for software developed by said payment institution;

[0047] Step S2: comparing the payment institution information with a preset list of payment institutions to determine whether the payment institution corresponding to the payment software is identified;

[0048] Step S3: If the payment institution corresponding to the payment software is identified, then determine whether the payment institut...

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Abstract

The invention provides an electronic payment method and device based on data processing, computer equipment and a storage medium. The method comprises the following steps of receiving a transaction request sent by the consumer after scanning the payment two-dimensional code of the target merchant by using the payment software, comparing the payment mechanism information with a preset payment mechanism list; judging whether a payment mechanism corresponding to the payment software is identified or not; judging whether the payment mechanism belongs to the UnionPay or not; if the payment mechanism belongs to the UnionPay, sending the transaction request to a core transaction system of the UnionPay and receiving returned first feedback information; if the payment mechanism does not belong to the Unionpay, sending the transaction request to the core transaction system of the payment mechanism, and receiving second feedback information of the core transaction system of the payment mechanism;and then identifying the target merchant, and sending the first feedback information or the second feedback information to the order receiving software of the target merchant, so that the payment transaction between the consumer and the target merchant is completed, and the convenience of the merchant in using the two-dimensional code to collect the money is greatly improved.

Description

technical field [0001] The present invention relates to the technical field of data processing, in particular to an electronic payment method, device, computer equipment and storage medium. Background technique [0002] With the development of science and technology, electronic payment has become an indispensable part of people's daily life. Clothing, food, housing and transportation are inseparable from electronic payment. At present, many shops and merchants generally display QR codes for consumers to scan for payment. [0003] In the prior art, merchants either display QR codes of multiple payment institutions, such as WeChat QR codes, Alipay QR codes, etc., or display a QR code that combines multiple payment institutions, but merchants must communicate with multiple payment institutions. Institutional docking can only be completed. Since different payment institutions and merchants need to perform cumbersome procedures such as registration and account reconciliation for ...

Claims

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Application Information

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IPC IPC(8): G06Q20/32G06Q20/38
CPCG06Q20/3276G06Q20/389
Inventor 汪胜其
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN