Payment service processing method and device, and machine readable storage medium

A technology for business processing and payment orders, applied in the Internet field, can solve problems such as supervision, forgery of e-commerce platforms, and alteration of transaction information, and achieve the effects of improving reliability, ensuring security, and ensuring security

Pending Publication Date: 2021-03-09
SHANGHAI SHENGPAY E PAYMENT SERVICE CO LTD
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  • Abstract
  • Description
  • Claims
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Problems solved by technology

However, if the e-commerce platform does not have the qualifications for fund settlement, when the e-commerce platform settles the amount to the settled merchants, it cannot supervise the second settlement process of the e-commerce platform, and cannot guarantee the security of the settled merchants' funds
[0004] For example, the bank settlement account of the e-commerce platform has a large amount of funds of the settled merchants. Once the e-commerce platform transfers these funds, it will lead to the loss of funds of the settled merchants and accumulate certain capital risks.
Since the second settlement process of the e-commerce platform cannot be supervised, the authenticity of the transaction information provided by the e-commerce platform cannot be guaranteed, and there are risks such as forgery and alteration of transaction information on the e-commerce platform

Method used

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  • Payment service processing method and device, and machine readable storage medium
  • Payment service processing method and device, and machine readable storage medium
  • Payment service processing method and device, and machine readable storage medium

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Embodiment Construction

[0042] The terms used in the embodiments of the present application are only for the purpose of describing specific embodiments, rather than limiting the present application. As used in this application and the claims, the singular forms "a", "the" and "the" are intended to include the plural forms as well, unless the context clearly dictates otherwise. It should also be understood that the term "and / or" as used herein is meant to include any and all possible combinations of one or more of the associated listed items.

[0043] It should be understood that although the embodiments of the present application may use terms such as first, second, and third to describe various information, such information should not be limited to these terms. These terms are only used to distinguish information of the same type from one another. For example, without departing from the scope of the present application, first information may also be called second information, and similarly, second ...

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Abstract

The invention provides a payment service processing method and device, and a machine readable storage medium. The method comprises the following steps: receiving a clearing instruction sent by an e-commerce platform for a target settled merchant; determining virtual resource proportion information between the e-commerce platform and the target settled merchant, and determining the total number ofvirtual resources corresponding to payment order information generated by the target settled merchant in a specified clearing period; based on the virtual resource proportion information, determininga first sub-virtual resource divided to the e-commerce platform in the total number of the virtual resources and a second sub-virtual resource divided to the target settled merchant in the total number of the virtual resources; and transferring the first sub-virtual resource from the virtual resource allocation account to the platform account, and transferring the second sub-virtual resource fromthe virtual resource allocation account to the merchant account. Through the technical scheme of the invention, the secondary settlement process can be supervised, and it is ensured that the virtual resources in the virtual resource allocation account cannot be transferred out by the e-commerce platform.

Description

technical field [0001] The present application relates to the technical field of the Internet, in particular to a payment service processing method, device and machine-readable storage medium. Background technique [0002] With the rapid development of Internet technology, the application of e-commerce platforms is becoming more and more extensive. The operation modes provided by e-commerce platforms can be self-operated mode and merchant settlement mode. For the merchant entry mode, users (such as consumers) will purchase the products of the merchants, and the users will pay through the payment platform, and the payment platform will settle the transaction amount to the bank settlement account of the e-commerce platform, and the e-commerce platform can transfer the bank settlement account The amount in the account is settled to the settled merchants, so that the funds of the settled merchants on the e-commerce platform are settled twice. [0003] If the e-commerce platform...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/10G06Q30/06
CPCG06Q20/108G06Q30/0635
Inventor 邓志祥董国伟苗雪芃
Owner SHANGHAI SHENGPAY E PAYMENT SERVICE CO LTD
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