Payment method, payment device, equipment, storage medium and system

A payment request and transaction technology, applied in the payment field, which can solve problems such as slow system response

Pending Publication Date: 2019-11-05
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] If there are many products in the shopping cart and they belong to different secondary merchants (more order data), the acquirer will need to receive and process more data online, which may affect the response speed of online payment transactions. The response is slow. Some e-commerce platforms may limit the number of products that consumers can add to the shopping cart at one time (or limit the number of products that can only be added to the shopping cart within a specified number of merchants at a time), reducing the amount of data that needs to be transmitted for a single payment transaction. But in either case, it has had some impact on the consumer shopping experience

Method used

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  • Payment method, payment device, equipment, storage medium and system
  • Payment method, payment device, equipment, storage medium and system
  • Payment method, payment device, equipment, storage medium and system

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Embodiment Construction

[0024] Hereinafter, embodiments of the present disclosure will be described with reference to the drawings. It should be understood, however, that these descriptions are exemplary only, and are not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the present disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Also, in the following description, descriptions of well-known structures and techniques are omitted to avoid unnecessarily obscuring the concepts of the present disclosure.

[0025] The terminology used herein is for the purpose of describing particular embodiments only, and is not intended to be limiting of the present disclosure. The terms "comprising", "comprising", etc. used herein indicate the presence of stated features,...

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Abstract

The invention provides a payment method, and the method comprises the steps: responding to a received payment request from a platform server, transferring a fund to a transition account, and transmitting first feedback information to the platform server; obtaining transaction order detail information; performing risk screening processing on the detailed information of the transaction order, if thetransaction order passes the risk screening, performing fund clearing operation, and otherwise, performing fund freezing operation; and sending second feedback information to the platform server. Theinvention further provides a payment device, electronic equipment, a computer readable storage medium and a payment system.

Description

technical field [0001] The present disclosure relates to the technical field of payment, and in particular, to a payment method, payment device, equipment, storage medium and system. Background technique [0002] At present, merchants on the platform are mainly e-commerce platforms, and secondary merchants sell products on the e-commerce platform in the form of stationing. The goods in the shopping cart are combined and paid at one time. If the items in the shopping cart belong to different secondary merchants, the funds paid by consumers need to be settled to multiple secondary merchants. After the e-commerce platform entrusts banks, payment institutions and other acquiring institutions with acquiring qualifications (hereinafter referred to as "acquiring institutions") to liquidate their subordinate secondary merchants, they need to transfer the transaction orders when consumers combine shopping and payment. The information is transmitted to the acquirer in real time, and...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40
CPCG06Q20/4016
Inventor 李冠彬唐琳娜杨俊勉凌乐真
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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