Payment operation processing method, device and system

Abstract

The present invention discloses a method, device and system for processing payment operations, which relates to the field of financial technology, wherein the method comprises: receiving a payment request from a merchant terminal, the payment request comprising: a payment amount, information of multiple payment cards and payment priority information of multiple payment cards; generating a first deduction request according to the payment amount, and sending the first deduction request to the payment card party with the highest priority, the first deduction request comprising: a payment amount; in response to receiving a difference information from the payment card party with the highest priority being non-zero, generating a second deduction request according to the difference information, and sending the second deduction request to the payment card party with the second highest priority, the difference information indicating the amount that needs to be paid by other payment cards, the second deduction request comprising: difference information; in response to receiving a difference information from the payment card party with the second highest priority being zero, sending payment success information to the merchant terminal. Through the present invention, the user experience can be improved.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to a payment processing method, device and system. Background Art

[0002] At present, due to the emergence of various payment methods, consumer payments have become more and more convenient. However, under the existing payment methods, each transaction can only be authorized by one payment (issuing) institution. When the customer's bank card balance or credit limit is insufficient, the balances of multiple bank cards must be transferred to the same card to complete a consumption. And for credit cards, it is not yet supported to accumulate multiple card limits for one consumption. The above problems make consumers unable to consume normally in certain special circumstances, that is, the sum of their own funds and credit limits is greater than the amount required for consumer payment, but a single fund account cannot meet the needs of consumer payment. At this time, it is impossible to consume normally, or additional operations are required to transfer funds from multiple accounts to the same account for normal consumption, which reduces the consumer experience. Summary of the invention

[0003] In view of this, the present invention provides a payment processing method, device and system to solve at least one of the above-mentioned problems.

[0004] According to a first aspect of the present invention, a method for processing a payment operation is provided, the method comprising:

[0005] receiving a payment request from a merchant terminal, the payment request including: a payment amount, information of multiple payment cards, and payment priority information of the multiple payment cards;

[0006] Generate a first deduction request according to the payment amount, and send the first deduction request to the payment card party with the highest priority, wherein the first deduction request includes: the payment amount;

[0007] In response to receiving the difference information from the highest priority payment card party being non-zero, generating a second deduction request according to the difference information, and sending the second deduction request to the second highest priority payment card party, the difference information indicating an amount that needs to be paid by another payment card, the second deduction request including: the difference information;

[0008] In response to receiving the difference information from the payment card party with the second highest priority being zero, sending payment success information to the merchant terminal.

[0009] According to a second aspect of the present invention, there is provided a payment operation processing device, the device comprising:

[0010] A payment request receiving unit, configured to receive a payment request from a merchant terminal, wherein the payment request includes: a payment amount, information of multiple payment cards, and payment priority information of the multiple payment cards;

[0011] A first deduction request generating unit is configured to generate a first deduction request according to the payment amount, wherein the first deduction request includes: the payment amount;

[0012] A first deduction request sending unit, used to send the first deduction request to the payment card party with the highest priority;

[0013] a second deduction request generating unit, configured to generate a second deduction request according to the difference information received from the payment card party with the highest priority, in response to the difference information being non-zero, wherein the difference information indicates an amount that needs to be paid by another payment card, and the second deduction request includes: the difference information;

[0014] A second deduction request sending unit, configured to send the second deduction request to the payment card party with the second highest priority;

[0015] The payment success information sending unit is used to send payment success information to the merchant terminal in response to receiving the difference information of zero from the payment card party with the second highest priority.

[0016] According to a third aspect of the present invention, a system for processing payment operations is provided, the system comprising: the above-mentioned payment operation processing device, a merchant terminal, multiple payment card parties, and a payment code generating device, wherein the payment code generating device is used to generate a payment code, and the payment code includes: multiple payment card information that can be used for payment operations and payment priority information of the multiple payment cards.

[0017] According to a fourth aspect of the present invention, there is provided an electronic device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the above method when executing the program.

[0018] According to a fifth aspect of the present invention, there is provided a computer-readable storage medium having a computer program stored thereon, which implements the steps of the above method when executed by a processor.

[0019] It can be seen from the above technical solution that a first deduction request is generated based on the payment request received from the merchant terminal, and the first deduction request is sent to the payment card party with the highest priority. When the difference information returned from the payment card party with the highest priority is non-zero, a second deduction request containing the difference information can be generated, and the second deduction request is sent to the payment card party with the second highest priority. When the difference information returned from the payment card party with the second highest priority is zero, it indicates that the payment has been successful, and the payment success information is sent to the merchant terminal. Through this technical solution, the credit limit of multiple bank cards can be shared, thereby improving the payment experience of consumers. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0021] Figure 1 is a flow chart of a payment operation processing method according to an embodiment of the present invention;

[0022] Figure 2 is a structural block diagram of a payment operation processing system according to an embodiment of the present invention;

[0023] Figure 3 is a structural block diagram of a payment operation processing device according to an embodiment of the present invention;

[0024] Figure 4 is a structural block diagram of a merchant terminal according to an embodiment of the present invention;

[0025] Figure 5 is a structural block diagram of a payment card party according to an embodiment of the present invention;

[0026] Figure 6 is a schematic diagram of the structure of an exemplary system according to an embodiment of the present invention;

[0027] Figure 7 is a schematic diagram of a merchant acquiring terminal according to an embodiment of the present invention;

[0028] Figure 8 is a processing logic flow chart of an online transaction system of an accepting bank according to an embodiment of the present invention;

[0029] Fig. 9 It is a schematic block diagram of the system structure of the electronic device 600 according to an embodiment of the present invention. DETAILED DESCRIPTION

[0030] In order to make the purpose, technical solution and advantages of the embodiments of the present invention clearer, the technical solution in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0031] Since only a single card payment is currently supported, when the consumer's total funds or total credit limit meet the payment needs, and the single fund account cannot meet the consumption payment needs, the payment will be blocked, which leads to a poor consumer experience. Based on this, an embodiment of the present invention provides a payment operation processing scheme, through which multiple bank cards of consumers can be bound to the same consumption medium (for example, a payment code), and the upper limit of the single bank card limit is broken through the medium, and the fund credit limit of multiple bank cards can be shared, which improves the consumer's payment experience. The following is a detailed description of the embodiment of the present invention in conjunction with the accompanying drawings.

[0032] Figure 1 is a flow chart of a payment operation processing method according to an embodiment of the present invention. Figure 1 As shown, the method includes:

[0033] Step 101: receiving a payment request from a merchant terminal, wherein the payment request includes: a payment amount, information of multiple payment cards, and payment priority information of the multiple payment cards.

[0034] The payment card here may include: bank cards, credit cards, etc. that can be used for payment.

[0035] In actual operation, an association relationship between a payment request and a plurality of payment cards may be preset, and the association relationship includes: payment priority information of the plurality of payment cards.

[0036] Step 102: Generate a first deduction request according to the payment amount, and send the first deduction request to the payment card party with the highest priority, wherein the first deduction request includes: the payment amount.

[0037] Step 103, in response to receiving the difference information from the payment card party with the highest priority being non-zero, generating a second deduction request based on the difference information, and sending the second deduction request to the payment card party with the second highest priority, the difference information indicating the amount that needs to be paid by other payment cards, and the second deduction request including: the difference information.

[0038] Step 104 : in response to receiving the difference information from the payment card party with the second highest priority being zero, sending payment success information to the merchant terminal.

[0039] In actual operation, the payment success information may also be sent to the payment card party with the highest priority and the payment card party with the second highest priority, so as to facilitate the subsequent bank clearing operation.

[0040] By generating a first deduction request according to a payment request received from a merchant terminal, and sending the first deduction request to the payment card party with the highest priority, when the difference information returned from the payment card party with the highest priority is non-zero, a second deduction request containing the difference information can be generated, and the second deduction request can be sent to the payment card party with the second highest priority; when the difference information returned from the payment card party with the second highest priority is zero, it indicates that the payment has been successful, and the payment success information is sent to the merchant terminal. Through the embodiments of the present invention, the credit limit of funds of multiple bank cards can be shared, thereby improving the payment experience of consumers.

[0041] In the specific implementation process, when the difference information returned by the payment card party with the second highest priority in step 104 is still non-zero, a third deduction request can be generated and sent to the payment card party with the third highest priority for paying the difference, and so on.

[0042] In one embodiment, when the difference information returned by the payment card with the lowest priority is non-zero, it means that the amount available for payment among the multiple payment cards in step 101 is less than the consumption payment amount. At this time, the payment fails, and the payment failure information is sent to each payment card, and the payment failure information is sent to the merchant terminal.

[0043] Based on similar inventive concepts, the embodiment of the present invention also provides a payment operation processing system, such as Figure 2 As shown, the system includes: a payment operation processing device 1, a merchant terminal 2, multiple payment card parties 3 (only one is shown in the figure), and a payment code generating device 4, wherein the payment code generating device is used to generate a payment code, and the payment code includes: multiple payment card information that can be used for payment operations and payment priority information of multiple payment cards, as well as the consumption amount to be paid by the current user.

[0044] Preferably, the payment operation processing device 1 can be used to implement the process in the above method embodiment. Figure 3 is a structural block diagram of the payment operation processing device 1, such as Figure 3 As shown, the payment operation processing device 1 includes: a payment request receiving unit 11, a first deduction request generating unit 12, a first deduction request sending unit 13, a second deduction request generating unit 14, a second deduction request sending unit 15 and a payment success information sending unit 16, wherein:

[0045] The payment request receiving unit 11 is used to receive a payment request from a merchant terminal, wherein the payment request includes: a payment amount, information of multiple payment cards, and payment priority information of the multiple payment cards;

[0046] A first deduction request generating unit 12 is configured to generate a first deduction request according to the payment amount, wherein the first deduction request includes: the payment amount;

[0047] A first deduction request sending unit 13, configured to send the first deduction request to the payment card party with the highest priority;

[0048] The second deduction request generating unit 14 is configured to generate a second deduction request according to the difference information received from the payment card party with the highest priority, in response to the difference information being non-zero, wherein the difference information indicates an amount that needs to be paid by another payment card, and the second deduction request includes: the difference information;

[0049] A second deduction request sending unit 15, configured to send the second deduction request to the payment card party with the second highest priority;

[0050] The payment success information sending unit 16 is used to send payment success information to the merchant terminal in response to receiving the difference information of zero from the payment card party with the second highest priority.

[0051] In one embodiment, the payment success information sending unit is further used to: send the payment success information to the payment card party with the highest priority and the payment card party with the second highest priority.

[0052] The first deduction request generating unit 12 generates a first deduction request according to the payment request received from the merchant terminal by the payment request receiving unit 11, and the first deduction request sending unit 13 sends the first deduction request to the payment card party with the highest priority. When the difference information returned from the payment card party with the highest priority is non-zero, the second deduction request generating unit 14 generates a second deduction request including the difference information, and the second deduction request sending unit 15 sends the second deduction request to the payment card party with the second highest priority. When the difference information returned from the payment card party with the second highest priority is zero, it indicates that the payment has been successful. The payment success information sending unit 16 sends the payment success information to the merchant terminal. Through the embodiment of the present invention, the credit limit of multiple bank cards can be shared, thereby improving the payment experience of consumers.

[0053] In one embodiment, the payment operation processing device 1 further comprises: a payment failure information sending unit for sending payment failure information to each payment card in response to receiving non-zero difference information from the payment card party with the lowest priority, and sending the payment failure information to the merchant terminal.

[0054] In actual operation, the payment operation processing device 1 further comprises: an association setting unit, which is used to pre-set the association between the payment request and multiple payment cards, wherein the association comprises: payment priority information of the multiple payment cards.

[0055] The specific execution process of each of the above units can be found in the description of the above method embodiment, which will not be repeated here.

[0056] Figure 4 is a structural block diagram of the merchant terminal 2, such as Figure 4 As shown, the merchant terminal 2 includes: a scanning unit 21, a payment request sending unit 22 and a payment feedback information receiving unit 23, wherein:

[0057] Scanning unit 21, used to scan the payment code of the user terminal:

[0058] A payment request sending unit 22, used to generate a payment request according to the scanned payment code, and send it to the payment operation processing device;

[0059] The payment feedback information receiving unit 23 is used to receive feedback information corresponding to the payment request from the payment operation processing device.

[0060] Figure 5 This is the structural diagram of the payment card party 3, such as Figure 5 As shown, the payment card party 3 includes: a deduction request receiving unit 31, a difference information generating unit 32 and a difference information sending unit 33, wherein:

[0061] A deduction request receiving unit 31, used to receive a deduction request from the payment operation processing device;

[0062] A difference information generating unit 32 is used to generate difference information after performing a deduction operation on a corresponding account according to a deduction request;

[0063] The difference information sending unit 33 is used to send the difference information to the processing device of the payment operation.

[0064] In actual operation, the above-mentioned units may be provided in combination or individually, and the present invention is not limited thereto.

[0065] The embodiment of the present invention binds multiple bank cards to the same medium (i.e., payment code) and can enable multiple bank cards to jointly complete a transaction based on a pre-set deduction strategy (i.e., payment priority information of the bank cards). When the balance or credit limit of one bank card of a consumer is insufficient, funds from other bank cards can be automatically allocated to complete consumption, thereby improving the consumer experience.

[0066] In order to better understand the present invention, an example system is given below.

[0067] Figure 6 This is a schematic diagram of the structure of the example system. Figure 6 As shown in the figure, the example system includes: the acquiring terminal used by the merchant (the merchant is shown in the figure), the online transaction system of the accepting bank (also called the accepting party), the online transaction system of the issuing bank (also called the issuing party) and the (third-party) clearing system. The various modules cooperate with each other to form a payment clearing system that supports multiple bank cards.

[0068] In the payment clearing system, the payment medium is a payment code (corresponding to the above-mentioned payment code) generated by payment software, and the software includes: a payment module, a bank card binding module and a deduction strategy setting module.

[0069] In actual operation, the payment medium is a payment code composed of a QR code and a barcode, which is generated by the payment software. The payment software is authorized by multiple banks and can simultaneously bind multiple savings cards or credit cards of the same user (or different users) through the bank card binding module by real name. The application sets the priority of the deduction sequence of the bound bank card through the deduction strategy setting module. When multiple bank cards conduct the same transaction, the accepting bank completes the payment claim in sequence according to the deduction priority order. The payment software can generate a payment code containing a QR code and a barcode, so that the acquiring terminal used by the merchant can identify and obtain the medium-bound bank card information and the deduction strategy information through the code scanning device.

[0070] The above-mentioned bank card binding module requires the user to enter identity information such as ID card, name, mobile phone number, etc. for real-name authentication before the bank card binding operation can be performed. In this module, the user enters the card number on the bank card adding page and submits the information. After the bank card binding module confirms that the bank card format entered by the customer is correct and supports the bank card payment, it requires the user to continue to complete the bank card information, such as adding a mobile phone number, filling in the credit card expiration date, CVV (the last 3 of the credit card is the security code), etc. After checking that the input information is consistent with the bank's retained information, a text message verification code is sent, and the binding operation is completed after entering the verification code.

[0071] The above-mentioned deduction strategy setting module sets the default deduction strategy by default based on the order in which the user binds the bank, that is, the first bound bank card has the highest deduction priority. In this module, users can add, delete, and modify deduction strategies, and select a strategy as the deduction strategy for consumption. When adding a deduction strategy, the user enters the deduction strategy setting interface, selects the add option, and selects the bank card bound to the payment application software in order of priority from high to low to complete the deduction strategy addition.

[0072] The payment module binds bank card information, deduction strategy and other information through the software, encapsulates the above information and converts it into payment codes such as QR codes and bar codes to complete the function of scanning code payment.

[0073] Figure 7 This is a schematic diagram of a merchant acquiring terminal, such as Figure 7 As shown, the terminal includes: a main control module (not shown in the figure), a code scanning module (1-1), a human-computer interaction display module (1-2), a device communication module (not shown in the figure), a storage module (not shown in the figure), a physical keyboard input module (1-3), a power supply control module (not shown in the figure), and a receipt printing module (1-4), wherein:

[0074] The main control module is respectively connected to and controls the code scanning module, human-computer interaction display module, device communication module, storage module, physical keyboard input module, power supply control module, and receipt voucher printing module, and coordinates the above functional modules to work together to realize the intelligence of the acquiring terminal. The main control module is implemented based on a corresponding intelligent operating system, such as a Linux system or an Android intelligent operating system, and integrates an MPU (microprocessor) chip to control the above modules, and realize the functions of identifying payment codes, data processing, sending transaction requests, and completing transactions.

[0075] The above-mentioned barcode scanning module is connected to the main control module (for example, Android main control module) through the SPI interface (serial peripheral interface). The barcode scanning module integrates a professional one-dimensional barcode scanner and a two-dimensional barcode scanner, and then the main control module connected through the SPI interface jointly realizes the scanning and recognition of one-dimensional barcodes and two-dimensional codes.

[0076] The above-mentioned human-computer interaction display module, that is, the display module, includes a capacitive multi-touch screen with a resolution of qHD (that is, 960X540 screen resolution) and above. The module is connected to the main control module through an FPC (Flexible Printed Circuit) cable, and realizes the display, touch operation and text input of the application interface in multiple scenarios through an LCD (Liquid Crystal Display) touch screen.

[0077] The device communication module is a hardware integrated module, which can be composed of the Modem inside the Android main control module and the BT / WIFI / FM / GPS (Bluetooth / WIFI / FM radio / Global Positioning System) four-in-one chip. This module supports WIFI, 2G / 3G, FM, GPS, Bluetooth and other functions to complete the external communication function of the online acquiring system.

[0078] The storage module is connected to the Android main control module through an internal high-speed bus, and is used to store system application running information to provide support for the function implementation of the Android main control module.

[0079] The power supply control module is composed of a large-capacity lithium-ion battery, an external charger and a power management chip to realize the power supply support function of the acquiring terminal.

[0080] The receipt printing module uses a thermal printer, which is connected to the Android main control module through the SPI data interface and the GPIO (General-purpose input / output) control interface. The Android main control module controls the receipt printing requirements in the consumer transaction. The print data is transmitted from the Android main control module to the printing module through the SPI interface, and the printer's start, stop detection and paper feeding functions are realized through the GPIO control interface.

[0081] See also Figure 6 The basic functions of the online transaction system of the accepting bank can be basically consistent with the host online transaction system used by major banks. On this basis, the embodiment of the present invention adds the function of supporting multiple bank card consumption rights. Figure 8 As shown, the specific implementation is as follows:

[0082] After the acceptor's online transaction system receives and identifies the multi-bank card transaction request initiated by the merchant's acquiring terminal, it calls the authorization program, which adds a difference field to the transaction information sent by the acquiring terminal and initializes it to the transaction amount. It repackages the transaction information and reads the bound bank card information and deduction policy information sent by the acquiring terminal, and sends a transaction authorization request to the bank card issuing bank with the highest deduction priority, that is, the online transaction system of the issuing bank. After receiving the authorization information returned by the issuing bank's online transaction system, the authorization program performs the following cyclic judgment and processing:

[0083] 1. Authorization is successful, and the difference field is greater than 0: Update the returned difference field value to the transaction information, repackage the transaction information, and initiate a request for authorization to the online transaction system of the bank card issuing bank with the next priority for deduction. If there is no bank card with the next priority, and the difference field is greater than 0 at this time, the transaction fails, and a transaction failure message is sent to the online transaction system of all issuing banks with successful authorization to cancel the frozen amount; and the transaction request failure is returned to the merchant acquiring terminal.

[0084] 2. Authorization is successful, and the difference field is equal to 0: Confirm the execution of the transaction, and send the confirmation information to the online transaction system of each issuing bank that has successfully authorized the card to transfer and deduct the frozen amount of the bank card and register the inter-bank transaction in the inter-bank transaction register; at the same time, return the transaction success information to the merchant acquiring terminal.

[0085] 3. Authorization failure: repackage the transaction information and initiate a request for authorization to the online transaction system of the next priority bank card issuer. If there is no next priority bank card, the transaction fails, and the transaction failure information is sent to the online transaction system of all the issuing banks that have successfully authorized, and the frozen amount is cancelled; and the transaction request failure is returned to the merchant acquiring terminal.

[0086] According to the above logic, without affecting normal online consumption transactions, the online transaction system of the accepting bank can finally realize the authorization function for multi-bank card transactions.

[0087] In the embodiment of the present invention, the basic functions of the online transaction system of the issuing bank can be basically consistent with the host online transaction system used by major banks. On this basis, the embodiment of the present invention adds an authorization function that supports multi-bank card consumption. After receiving the authorization information from the online transaction system of the accepting bank, the online transaction system of the issuing bank identifies it as a multi-bank card transaction and calls the authorization application. After receiving the authorization information, the authorization application performs various checks (checking the bank card status, security information, etc.). If the check fails, the authorization is rejected and the authorization failure information is returned. If the check passes, the available balance or available credit limit of the bank card is compared with the difference field sent by the online transaction system of the accepting bank. If the balance is greater than the difference, the corresponding amount is frozen, the difference field is updated to 0, and the authorization success information is returned in the package. If the balance is less than the difference, the entire amount is frozen, the difference field is updated to the original difference value minus the balance value, and the authorization success information is returned in the package. Finally, if the online transaction system of the accepting bank returns the confirmation transaction information, the corresponding account transfer program is called, the frozen amount of the bank card is deducted, and the inter-bank transaction is registered in the inter-bank transaction register; if the transaction failure information is returned, the frozen amount is unfrozen. Based on the above logic, the authorization function of the issuing bank's online transaction system is realized.

[0088] Continue to see Figure 6 The third-party clearing system can process interbank transaction information between banks, generate third-party clearing files with four elements of reconciliation (accepting bank institution code, forwarding institution code, system tracking number, and transaction transmission time), and complete the clearing function of interbank transactions. For bank card transactions, the clearing process remains unchanged, and the transaction information of multiple issuing banks can be recorded at the same time.

[0089] The following combination Figure 6 Describe in detail the process of the example system performing a multi-bank card transaction, such as Figure 6 As shown, the process includes:

[0090] Step 3-1: The customer uses the payment code to make a purchase.

[0091] Step 3-2, the merchant acquiring terminal obtains the bound bank card information and deduction policy information by scanning the payment code. The terminal packages the obtained bank card information, deduction policy information, and transaction information and sends them to the online transaction system of the accepting bank.

[0092] Step 3-3, the acceptor's online transaction system parses the uploaded message, adds a difference field to the transaction information, assigns it the current transaction amount, and sends it to the online transaction system of the issuing bank of the bank card with the highest deduction priority for claiming rights.

[0093] Step 3-4, after receiving the authorization information, the online transaction system of the issuing bank conducts a security check, and after passing the check, it conducts a deduction verification. When the balance is insufficient, the online transaction system of the issuing party still authorizes the transaction to freeze the entire balance, and returns the insufficient amount to the online transaction system of the accepting bank in the form of difference field information and authorization information.

[0094] The accepting bank's online transaction system receives the returned authorization information, checks that the authorization difference is not 0, adds the updated difference field to the transaction information, and sends it to the next bank card issuing online transaction system for processing until the returned authorization information passes and the difference is 0.

[0095] The online transaction system of the accepting bank confirms the execution of the transaction and sends the confirmation information to the online transaction systems of each authorized issuing bank to transfer and deduct the frozen amount on the bank card, and register the inter-bank transaction in the inter-bank transaction registration book.

[0096] The online transaction system of the accepting bank returns the transaction success information to the merchant acquiring terminal. The merchant acquiring terminal displays that the transaction is successful.

[0097] Step 3-5: At the end of the day, the host will reconcile the interbank transaction register with the transaction records provided by the third-party clearing system. The bookkeeping method is as follows:

[0098] Accounting entries of the accepting bank:

[0099] Debit: inter-bank funds temporarily received principal

[0100] Loan: Merchant's net receipt of principal - rebate

[0101] Loan: Profit sharing temporarily collects commissions from customers

[0102] Accounting entries for the issuing bank:

[0103] Debit: Bank card deposit

[0104] Credit: Amount to be cleared temporarily

[0105] At the end of the day on T+1, the account processing of the issuing bank and the card center is automatically completed according to the reconciliation results and branch clearing. The accounting method is as follows:

[0106] Accounting entries of the accepting bank:

[0107] Debit: Bank card balance account

[0108] Loan: Fund allocation

[0109] Debit: Fund allocation

[0110] Loan: inter-bank funds temporary payment

[0111] Accounting entries for the issuing bank:

[0112] Debit: The amount to be cleared by the head office is temporarily received

[0113] Loan: Off-site project liquidation account

[0114] In one embodiment, when the total balance of a multi-bank card transaction is insufficient, the transaction fails. The specific process is as follows:

[0115] Step 1: The customer uses the medium (ie, payment code) to make a purchase.

[0116] Step 2: The merchant acquiring terminal obtains the bound bank card information and deduction policy information by scanning the payment code. The terminal packages the obtained bank card information, deduction policy information, and transaction information and sends them to the online transaction system of the accepting bank.

[0117] Step 3: The acceptor's online transaction system parses the uploaded message, adds a difference field to the transaction information, assigns it the current transaction amount, and sends it to the online transaction system of the issuing bank of the bank card with the highest deduction priority for claiming rights.

[0118] Step 4: After receiving the authorization request information, the online transaction system of the issuing bank conducts a security check, and after passing the check, it conducts a deduction verification. When the balance is insufficient, the online transaction system of the issuing party still authorizes the transaction to freeze the entire balance, and returns the insufficient amount to the online transaction system of the accepting bank in the form of difference field information and authorization information.

[0119] Step 5: The online transaction system of the accepting bank receives the returned authorization information, checks that the authorized balance is not 0, and adds the updated balance field to the transaction information and sends it to the next bank card issuing online transaction system for processing until all bound bank cards in the deduction strategy have initiated authorization requests and the returned balance is still greater than 0.

[0120] Step 6: The accepting bank's online transaction system confirms that the transaction has failed, and sends the failure information to the online transaction systems of each authorized issuing bank to unfreeze the frozen bank card amount.

[0121] Step 7: The online transaction system of the accepting bank returns the transaction failure and insufficient balance information to the offline acquiring terminal of the merchant, and the acquiring terminal displays: transaction failed due to insufficient balance.

[0122] The embodiment of the present invention changes the authorization strategy for multi-bank card transactions, and realizes that a transaction is authorized by multiple banks at the same time. For the clearing agency, the transaction information of multiple different issuing banks is recorded and the clearing files are recorded at the same time. The multi-card transaction process of the embodiment of the present invention has no impact on the original authorization and clearing system.

[0123] This embodiment also provides an electronic device, which can be a desktop computer, a tablet computer, a mobile terminal, etc., but this embodiment is not limited thereto. In this embodiment, the electronic device can be implemented with reference to the above method embodiment and the embodiment of the payment operation processing device / system, the contents of which are incorporated herein, and the repeated parts are not repeated.

[0124] Fig. 9 FIG. 6 is a schematic block diagram of a system structure of an electronic device 600 according to an embodiment of the present invention. Fig. 9 As shown, the electronic device 600 may include a central processor 100 and a memory 140; the memory 140 is coupled to the central processor 100. It should be noted that this figure is exemplary; other types of structures may also be used to supplement or replace this structure to implement telecommunication functions or other functions.

[0125] In one embodiment, the payment operation processing function may be integrated into the central processor 100. The central processor 100 may be configured to perform the following control:

[0126] receiving a payment request from a merchant terminal, the payment request including: a payment amount, information of multiple payment cards, and payment priority information of the multiple payment cards;

[0127] Generate a first deduction request according to the payment amount, and send the first deduction request to the payment card party with the highest priority, wherein the first deduction request includes: the payment amount;

[0128] In response to receiving the difference information from the highest priority payment card party being non-zero, generating a second deduction request according to the difference information, and sending the second deduction request to the second highest priority payment card party, the difference information indicating an amount that needs to be paid by another payment card, the second deduction request including: the difference information;

[0129] In response to receiving the difference information from the payment card party with the second highest priority being zero, sending payment success information to the merchant terminal.

[0130] From the above description, it can be seen that the electronic device provided in the embodiment of the present application generates a first deduction request based on the payment request received from the merchant terminal, and sends the first deduction request to the payment card party with the highest priority. When the difference information returned from the payment card party with the highest priority is non-zero, a second deduction request containing the difference information can be generated, and the second deduction request is sent to the payment card party with the second highest priority. When the difference information returned from the payment card party with the second highest priority is zero, it indicates that the payment has been successful, and the payment success information is sent to the merchant terminal. Through the embodiment of the present invention, the credit limit of funds of multiple bank cards can be shared, thereby improving the payment experience of consumers.

[0131] In another embodiment, the payment operation processing device / system may be configured separately from the central processor 100. For example, the payment operation processing device / system may be configured as a chip connected to the central processor 100, and the payment operation processing function is implemented under the control of the central processor.

[0132] like Fig. 9 As shown, the electronic device 600 may further include: a communication module 110, an input unit 120, an audio processing unit 130, a display 160, and a power supply 170. It is worth noting that the electronic device 600 does not necessarily have to include Fig. 9 In addition, the electronic device 600 may also include Fig. 9 For components not shown, reference may be made to the prior art.

[0133] like Fig. 9 As shown, the central processor 100 is sometimes also referred to as a controller or an operation control, and may include a microprocessor or other processor devices and / or logic devices. The central processor 100 receives inputs and controls the operations of various components of the electronic device 600.

[0134] The memory 140 may be, for example, one or more of a cache, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory or other suitable devices. The above-mentioned information related to the failure may be stored, and a program for executing the relevant information may also be stored. The CPU 100 may execute the program stored in the memory 140 to implement information storage or processing.

[0135] The input unit 120 provides input to the CPU 100. The input unit 120 is, for example, a key or a touch input device. The power supply 170 is used to provide power to the electronic device 600. The display 160 is used to display display objects such as images and text. The display may be, for example, an LCD display, but is not limited thereto.

[0136] The memory 140 may be a solid-state memory, such as a read-only memory (ROM), a random access memory (RAM), a SIM card, etc. It may also be a memory that saves information even when the power is off, can be selectively erased, and is provided with more data, examples of which are sometimes referred to as EPROMs, etc. The memory 140 may also be some other type of device. The memory 140 includes a buffer memory 141 (sometimes referred to as a buffer). The memory 140 may include an application / function storage unit 142, which is used to store application programs and function programs or processes for executing the operation of the electronic device 600 through the central processor 100.

[0137] The memory 140 may also include a data storage unit 143 for storing data, such as contacts, digital data, pictures, sounds, and / or any other data used by the electronic device. The driver storage unit 144 of the memory 140 may include various drivers for communication functions of the electronic device and / or for executing other functions of the electronic device (such as messaging applications, address book applications, etc.).

[0138] The communication module 110 is a transmitter / receiver 110 that transmits and receives signals via an antenna 111. The communication module (transmitter / receiver) 110 is coupled to the central processor 100 to provide input signals and receive output signals, which may be the same as the case of a conventional mobile communication terminal.

[0139] Based on different communication technologies, multiple communication modules 110 may be provided in the same electronic device, such as a cellular network module, a Bluetooth module and / or a wireless LAN module. The communication module (transmitter / receiver) 110 is also coupled to a speaker 131 and a microphone 132 via an audio processor 130 to provide an audio output via the speaker 131 and receive an audio input from the microphone 132, thereby realizing a common telecommunication function. The audio processor 130 may include any suitable buffer, decoder, amplifier, etc. In addition, the audio processor 130 is also coupled to the central processor 100, so that the sound can be recorded on the local machine through the microphone 132, and the sound stored on the local machine can be played through the speaker 131.

[0140] An embodiment of the present invention further provides a computer-readable storage medium on which a computer program is stored. When the computer program is executed by a processor, the steps of the above-mentioned payment operation processing method are implemented.

[0141] In summary, the embodiments of the present invention provide a payment processing solution that supports multiple bank cards. Debit and credit cards of multiple banks are bound through a medium, and certain deduction strategies, such as deduction priority, are set. When consuming, rights can be requested from multiple issuing banks at the same time according to the deduction strategy, thereby realizing the sharing of funds and credit limits of multiple bank cards. This can solve the problem of payment obstruction when the total funds or total credit limit of consumers meet the payment needs, but a single fund account cannot meet the consumption payment needs, thereby improving the consumer experience.

[0142] The preferred embodiments of the present invention are described above with reference to the accompanying drawings. Many features and advantages of these embodiments are clear from this detailed description, and therefore the claims are intended to cover all such features and advantages of these embodiments that fall within their true spirit and scope. In addition, since many modifications and changes are easily conceivable to those skilled in the art, it is not intended to limit the embodiments of the present invention to the precise structure and operation illustrated and described, but all suitable modifications and equivalents falling within its scope may be covered.

[0143] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0144] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0145] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1A function specified in one or more boxes.

[0146] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0147] The present invention uses specific embodiments to illustrate the principles and implementation methods of the present invention. The description of the above embodiments is only used to help understand the method of the present invention and its core idea. At the same time, for those skilled in the art, according to the idea of ​​the present invention, there will be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as a limitation on the present invention.

Claims

1. A method for processing a payment operation, characterized in that: The method is executed by an online transaction system of the acceptor, and the method comprises: receiving a payment request from a merchant terminal, the payment request including: a payment amount, information of multiple payment cards, and payment priority information of the multiple payment cards; Generate a first deduction request according to the payment amount, and send the first deduction request to the payment card party with the highest priority, wherein the first deduction request includes: the payment amount; In response to receiving the difference information from the highest priority payment card party being non-zero, generating a second deduction request according to the difference information, and sending the second deduction request to the second highest priority payment card party, the difference information indicating an amount that needs to be paid by another payment card, the second deduction request including: the difference information; In response to receiving the difference information from the payment card party with the second highest priority being zero, sending payment success information to the merchant terminal; In response to the fact that the difference information returned by the payment card with the second highest priority is still non-zero, a third deduction request is generated and sent to the payment card with the third priority for paying the difference, until the difference information returned by the payment card is zero, or there is no payment card with the next priority, and the payment success or failure information is sent to the merchant terminal.

2. The method according to claim 1, characterized in that After sending the payment success information to the merchant terminal, the method further includes: The payment success information is sent to the payment card party with the highest priority and the payment card party with the second highest priority.

3. The method according to claim 1, characterized in that The method further comprises: In response to receiving the difference information of the payment card party with the lowest priority being non-zero, sending payment failure information to each payment card, and sending the payment failure information to the merchant terminal.

4. The method according to claim 1, characterized in that: Before receiving the payment request from the merchant terminal, the method further includes: An association relationship between a payment request and a plurality of payment cards is preset, wherein the association relationship includes payment priority information of the plurality of payment cards.

5. A payment processing device, characterized in that: The device comprises: A payment request receiving unit, configured to receive a payment request from a merchant terminal, wherein the payment request includes: a payment amount, information of multiple payment cards, and payment priority information of the multiple payment cards; A first deduction request generating unit is configured to generate a first deduction request according to the payment amount, wherein the first deduction request includes: the payment amount; A first deduction request sending unit, used to send the first deduction request to the payment card party with the highest priority; a second deduction request generating unit, configured to generate a second deduction request according to the difference information received from the payment card party with the highest priority, in response to the difference information being non-zero, wherein the difference information indicates an amount that needs to be paid by another payment card, and the second deduction request includes: the difference information; A second deduction request sending unit, configured to send the second deduction request to the payment card party with the second highest priority; The payment success information sending unit is used to send payment success information to the merchant terminal in response to receiving the difference information of zero from the payment card party with the second highest priority; in response to receiving the difference information returned by the payment card party with the second highest priority and still being non-zero, generate a third deduction request and send it to the payment card party with the third priority for paying the difference, until the difference information returned by the payment card party is zero, or there is no payment card party with the next priority, and send the payment success or failure information to the merchant terminal.

6. The device according to claim 5, characterized in that The payment success information sending unit is also used for: The payment success information is sent to the payment card party with the highest priority and the payment card party with the second highest priority.

7. The device according to claim 5, characterized in that The device also includes: The payment failure information sending unit is used to send the payment failure information to each payment card in response to receiving the difference information of the payment card party with the lowest priority being non-zero, and send the payment failure information to the merchant terminal.

8. The device according to claim 5, characterized in that The device also includes: The association relationship setting unit is used to pre-set the association relationship between the payment request and multiple payment cards, and the association relationship includes: payment priority information of the multiple payment cards.

9. A payment processing system, characterized in that: The system comprises: a payment operation processing device as described in any one of claims 5 to 8, a merchant terminal, multiple payment card parties, and a payment code generating device, wherein the payment code generating device is used to generate a payment code, and the payment code comprises: information of multiple payment cards that can be used for payment operations and payment priority information of the multiple payment cards.

10. The system according to claim 9, characterized in that The merchant terminal comprises: Scanning unit, used to scan the payment code of the user terminal: A payment request sending unit, used to generate a payment request according to the scanned payment code, and send it to the processing device of the payment operation; The payment feedback information receiving unit is used to receive feedback information corresponding to the payment request from the payment operation processing device.

11. The system according to claim 9, characterized in that The payment card providers include: a deduction request receiving unit, configured to receive a deduction request from the payment operation processing device; A difference information generating unit, configured to generate difference information after executing a deduction operation on a corresponding account according to a deduction request; A difference information sending unit is used to send the difference information to the processing device of the payment operation.

12. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the program, the steps of the method according to any one of claims 1 to 4 are implemented.

13. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 4 are implemented.

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