Payment processing method, device thereof and system
A processing method and single-system technology, applied in payment systems, payment architectures, data processing applications, etc., can solve problems such as long interaction process links, poor payment processing efficiency, and reduced payment processing efficiency.
Pending Publication Date: 2022-01-28
NETSUNION CLEARING CORP
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Problems solved by technology
[0003] In the above method, the interaction process link is lengthy, and the payment processing efficiency is poor; and the merchant software is generally routed to the account software through the SDK (Software Development Kit, software development kit), and the SDK is highly dependent. In the case of merchant software upgrades, etc. , it is easy to cause routing failure, resulting in payment processing failure and reducing payment processing efficiency
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[0021] 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.
[0022] The following describes the payment processing method, device and system of the embodiments of the present application with reference to the accompanying drawings.
[0023] figure 1 It is a schematic flowchart of a payment processing method provided in the embodiment of this application. The execution body of the payment processing method in the embodiment of the present application is a payment processing device, which can be applied to a payment processing system, and the participants of the payment processing syst...
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The invention provides a payment processing method, a device thereof and a system, and the method is applied to a clearing system, and comprises the steps: receiving a payment request sent by a commercial tenant end through an acquisition system; performing digital signature on the payment request, and returning a response result to the merchant end through an acquiring system; wherein the response result comprises a routing jump address corresponding to the account end, so that the merchant end jumps to the account end according to the routing jump address, the payment request subjected to digital signature is sent to an account background system through the account end for verification, payment operation corresponding to the payment request is carried out after verification is passed, and a payment operation result is obtained; and receiving a payment operation result sent by the account background system, and returning the payment operation result to the merchant end through the acquisition system, The method realizes interconnection and intercommunication of the acquisition system, the merchant end and the account end through the clearing system, simplifies an interaction link between systems, reduces complexity, improves the overall security of the system, and improves the overall payment processing efficiency.
Description
technical field [0001] The present application relates to the technical field of network payment, in particular to a payment processing method, device and system. Background technique [0002] At present, users mainly use merchant software on mobile terminals to conduct mobile online shopping and pay through account software. Among them, the payment processing method is mainly as follows: when the user selects the account software on the merchant software to pay for the merchant order, the merchant software interacts with the account background system through the acquiring system and the clearing system to obtain the payment acceptance result and transaction voucher, and the merchant software The transaction voucher is provided to the account background system for verification through the account software routing jump method. After the verification is passed, the account background system performs payment processing and returns the payment processing result to the mobile ter...
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IPC IPC(8): G06Q20/38G06Q20/40
CPCG06Q20/3825G06Q20/4014G06Q20/023G06Q20/42G06Q20/027G06Q20/12G06Q20/3829
Inventor 赵善彬
Owner NETSUNION CLEARING CORP