Payment processing system and method
A processing system and order processing technology, applied in the Internet field, which can solve the problems of high payment failures, ununified information displayed on merchant pages, and low payment security.
Active Publication Date: 2020-03-06
NETSUNION CLEARING CORP
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Problems solved by technology
[0005] This application proposes a payment processing system and method, which are used to solve the problem of jumping after the user terminal scans the code in the prior art, the information displayed on the merchant page cannot be unified, and there are problems such as relatively low payment security, relatively high payment failure and payment processing. Technical problems with relatively low efficiency can prevent security issues caused by jumping payment processing in the Internet environment through the background interaction between account institutions, clearing institutions, and acquiring institutions, and improve payment processing efficiency
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[0050]Embodiments of the present application are described in detail below, examples of which are shown in the drawings, wherein the same or similar reference numerals denote the same or similar elements or elements having the same or similar functions throughout. The embodiments described below by referring to the figures are exemplary, and are intended to explain the present application, and should not be construed as limiting the present application.
[0051] The following describes the payment processing system and method according to the embodiments of the present application with reference to the accompanying drawings.
[0052] figure 1 A schematic structural diagram of a payment processing system provided by an embodiment of the present application.
[0053] Such as figure 1 As shown, the payment processing system includes: a user terminal 101 , a merchant terminal 102 , a clearing institution 103 , an acquiring institution 104 and an account institution 105 .
[005...
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The invention provides a payment processing system and method. The payment processing system comprises the steps that a user terminal obtains transaction information through a user terminal, and transmits the transaction information to an account mechanism; the account mechanism generates a transaction order according to the transaction information and sends the transaction order to the clearing mechanism, and the clearing mechanism forwards the transaction order to an order receiving mechanism; the order receiving mechanism processes the transaction order, generates an order processing resultand sends the order processing result to the clearing mechanism, and the clearing mechanism forwards the order processing result to an account mechanism; the account mechanism carries out user fund deduction according to the order processing result and sends payment result notification information to the clearing mechanism, and the clearing mechanism forwards the payment result notification information to the order receiving mechanism; and the acquirer sends a payment processing result to the merchant terminal according to the payment result notification information, and displays the paymentresult on the merchant terminal. Therefore, through background interaction among the account mechanism, the clearing mechanism and the acquiring mechanism, the security problem caused by skip of payment processing in the Internet environment can be prevented, and the payment processing link is shortened, and the payment processing efficiency is improved.
Description
technical field [0001] The present application relates to the technical field of the Internet, and in particular to a payment processing system and method. Background technique [0002] At present, with the continuous development of the Internet and terminal technology, barcode payment has become a common payment method for users. [0003] In the related technology, the user terminal scans the code and jumps, the merchant page display information cannot be unified, there are security problems, and the transaction jumps back and forth through the Internet environment in the account organization application program of the user terminal, resulting in a high payment failure rate and technical issues with payment processing inefficiencies. Contents of the invention [0004] This application aims to solve one of the technical problems in the related art at least to a certain extent. [0005] This application proposes a payment processing system and method, which are used to so...
Claims
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IPC IPC(8): G06Q20/32G06Q20/10
CPCG06Q20/3276G06Q20/102G06Q20/023G06Q20/42G06Q20/02G06K19/06037G06Q20/10G06Q20/389
Inventor 孔令斌
Owner NETSUNION CLEARING CORP