Payment processing method and apparatus

Abstract

The embodiments of the present specification provide payment processing methods and devices, wherein a payment processing method comprises: receiving a payment instruction of a payment channel opened for an institution member certificate of a target institution; the payment instruction carries payment order information; performing payment verification based on account available information of a member account bound with the institution member certificate and the payment order information; after verification, determining a payment relationship type between a merchant recorded in the payment order information and the target institution; if the payment relationship type is a protocol payment type, performing protocol payment to the merchant according to a special account of the target institution; the special account is set for the protocol payment.

Description

Technical Field

[0001] This document relates to the field of data processing technology, and in particular to a payment processing method and apparatus. Background Technology

[0002] With the continuous advancement of internet and information technology, the digital management of payment acceptance media is also constantly evolving, and the use of payment acceptance media such as payment codes and facial recognition provided by various applications is becoming increasingly common. However, for some institutional members, they can only make purchases within their organization using institutional credentials. Therefore, improving the convenience for institutional members to use institutional credentials for payments has become a key issue for these organizations. Summary of the Invention

[0003] This specification provides one or more embodiments of a payment processing method, comprising: receiving a payment instruction from a payment channel activated by an institutional member credential for a target institution; the payment instruction carrying payment order information. Payment verification is performed based on the account availability information of the member account bound to the institutional member credential and the payment order information. Upon successful verification, the payment relationship type between the merchant and the target institution recorded in the payment order information is determined. If the payment relationship type is a protocol payment type, a protocol payment is made to the merchant using the target institution's dedicated account; the dedicated account is configured for protocol payments.

[0004] This specification provides one or more embodiments of a payment processing apparatus, comprising: a payment instruction receiving module configured to receive a payment instruction for a payment channel opened by an institutional member credential of a target institution; the payment instruction carrying payment order information; a payment verification module configured to perform payment verification based on the account availability information of the member account bound to the institutional member credential and the payment order information; and a payment relationship type determination module configured to determine the payment relationship type between the merchant and the target institution recorded in the payment order information after successful verification. If the payment relationship type is a protocol payment type, a protocol payment module is run, the protocol payment module being configured to make a protocol payment to the merchant based on a dedicated account of the target institution; the dedicated account is configured for protocol payments.

[0005] This specification provides one or more embodiments of a payment processing device, including: a processor; and a memory configured to store computer-executable instructions, which, when executed, cause the processor to: receive a payment instruction for a payment channel opened for a member credential of a target institution; the payment instruction carrying payment order information; perform payment verification based on account availability information of the member account bound to the member credential and the payment order information; after successful verification, determine the payment relationship type between the merchant and the target institution recorded in the payment order information; if the payment relationship type is a protocol payment type, then make a protocol payment to the merchant according to a dedicated account of the target institution; the dedicated account is configured for protocol payments.

[0006] This specification provides one or more embodiments of a storage medium for storing computer-executable instructions that, when executed by a processor, implement the following process: receiving a payment instruction for a payment channel opened for a member credential of a target institution; the payment instruction carrying payment order information; performing payment verification based on the account availability information of the member account bound to the member credential and the payment order information; after successful verification, determining the payment relationship type between the merchant and the target institution recorded in the payment order information; if the payment relationship type is a protocol payment type, then making a protocol payment to the merchant according to the target institution's dedicated account; the dedicated account is configured for protocol payments. Attached Figure Description

[0007] To more clearly illustrate the technical solutions in one or more embodiments of this specification or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0008] Figure 1 A flowchart illustrating a payment processing method provided in one or more embodiments of this specification;

[0009] Figure 2 A flowchart illustrating a payment processing method applied to an educational institution scenario, provided for one or more embodiments of this specification;

[0010] Figure 3 A schematic diagram of a payment processing device provided for one or more embodiments of this specification;

[0011] Figure 4 This is a schematic diagram of the structure of a payment processing device provided for one or more embodiments of this specification. Detailed Implementation

[0012] To enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of this specification, and not all of the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by those skilled in the art without creative effort should fall within the protection scope of this document.

[0013] This specification provides an example of a payment processing method:

[0014] Reference Figure 1 It shows a flowchart of a payment processing method provided in this embodiment, with reference to... Figure 2 The diagram illustrates a payment processing method for educational institutions, as provided in this embodiment.

[0015] Reference Figure 1 The payment processing method provided in this embodiment specifically includes steps S102 to S108.

[0016] Step S102: Receive payment instructions for the payment channels opened for the target institution's member credentials.

[0017] The payment processing method provided in this embodiment receives payment instructions submitted by institutional users for payment orders via payment channels for institutional member credentials. It verifies payment based on the payment order information and the account availability information of the member account bound to the institutional member credential. After successful payment verification, it determines the payment relationship type between the merchant and the target institution in the payment order information. If it is a negotiated payment type, it makes a negotiated payment to the merchant through the target institution's dedicated account. This facilitates consumption by institutional members using their credentials, improves payment convenience for institutional members, helps the target institution manage the consumption of its members, saves manpower and material costs, and promotes the activity of the target institution's account resources. Simultaneously, it performs different types of payment processing for merchants with different payment relationship types, achieving flexibility in payment processing and meeting the settlement needs of various types of merchants.

[0018] The target organization mentioned in this embodiment refers to a social organization of a certain scale, such as a company or educational institution; however, this embodiment does not impose a specific limitation. The organization member credentials include membership credentials that integrate digital concepts based on Internet of Things technology and computer networks into the organization's management for unified identity authentication and consumption, such as student credentials in an educational institution or employee credentials in a company. Organization members refer to members of the target organization, and organization member credentials are bound to organization members. Merchants belonging to the target organization are called affiliated merchants, and merchants that have signed agreements with the target organization are called contractual merchants; alternatively, merchants within a certain distance of the target organization are affiliated merchants, and correspondingly, merchants outside a certain distance of the target organization are contractual merchants.

[0019] In practical applications, when institutional members use their membership credentials to pay merchants within the target institution, they cannot use their membership credentials to pay for purchases in the surrounding commercial area outside the target institution using cash or other electronic payment methods. Therefore, in this embodiment, after institutional members activate the payment channel for their membership credentials through the payment platform, they can choose to use the payment channel of their membership credentials when making purchases within the target institution and in the surrounding commercial area outside the target institution. This helps the target institution manage the consumption behavior of its members.

[0020] When an institutional member makes a payment to a merchant, if the merchant is an affiliated merchant, the institutional member shall prioritize making the payment through the payment channel of the institutional member's credentials (or may choose other payment channels on the payment platform) or may only make the payment through the payment channel of the institutional member's credentials; if the merchant is a contracted merchant, in addition to making the payment through the payment channel of the institutional member's credentials, the institutional member may also choose to make the payment through other payment channels on the payment platform (such as bank card payment channels).

[0021] In practice, after an institutional member confirms the payment order information, they are redirected to the payment page. On the payment page, the institutional member triggers a channel list control to display a list of payment channels. They select a payment channel for their institutional member credentials from the payment channel list and confirm it, generating a payment instruction carrying the payment order information and sending it to the server. The server receives the payment instruction for the payment channel activated on the institutional member credentials of the target institution. Optionally, the payment instruction carries payment order information. The payment channel is displayed in the payment channel list triggered after the payment order information is confirmed by the institutional member bound to the institutional member credentials. The payment instruction is submitted after the payment channel displayed in the payment channel list is selected.

[0022] In the specific implementation process, to improve payment convenience, institutional members can register payment channels on the payment platform using their institutional member credentials, and the server will activate the payment channels for those credentials. In one optional implementation provided in this embodiment, the payment channels for institutional member credentials are activated in the following way:

[0023] Detect whether the institutional member bound to the institutional member certificate has registered a payment channel for the institutional member certificate;

[0024] If so, then open a payment channel for the institutional members to make payments to the contracted merchants and affiliated merchants using the institutional member credentials, and synchronize the channel opening information with the target institution;

[0025] Wherein, the payment relationship type between the merchant and the target institution is the agreement payment type, and the payment relationship type between the merchant and the target institution is the attribution payment type.

[0026] Furthermore, if an institutional member has not registered for a payment channel using their institutional member credentials, to ensure payment security, the credential information carried by the institutional member's credentials can be queried first, and the registration information uploaded by the institutional member can be obtained for verification. In an optional implementation provided in this embodiment, if no registration for a payment channel using the institutional member's credentials is detected, the following operations are performed:

[0027] Based on the target institution selected by the institution member, query the institution member's membership certificate carrying the certificate information in the target institution;

[0028] Obtain the registration information uploaded by the members of the organization, and verify the registration information based on the credential information;

[0029] After verification, a payment channel is opened to the institutional members to make payments to the contracted merchants and the affiliated merchants using the institutional member credentials, and the channel opening information is synchronized to the target institution.

[0030] The payment relationship type refers to the relationship type between the target institution and the merchant when the institution's member makes a payment through the payment channel of the institution's member's certificate. This includes the agreement payment type and the attribution payment type. Merchants belonging to the target institution are called attribution merchants, and merchants that have signed an agreement with the target institution are called agreement merchants. Alternatively, merchants within a certain distance from the target institution are attribution merchants, and correspondingly, merchants outside a certain distance from the target institution are agreement merchants.

[0031] For example, when a student selects a target school from the displayed school list, the server retrieves the student's credentials from the target school. If the student has already registered for a payment channel on the payment platform using their credentials, the server activates the payment channel for making payments to contracted merchants and affiliated merchants using the student's credentials and synchronizes the channel activation information with the target school. If the student has not registered for a payment channel on the payment platform using their credentials, the server retrieves the registration information entered and uploaded by the student, verifies whether the registration information matches the credentials information retrieved from the target institution. If they do not match, the verification fails; if they match, the verification passes, and the server activates the payment channel for making payments to contracted merchants and affiliated merchants using the student's credentials and synchronizes the channel activation information with the target school.

[0032] It should be added that if it is detected that an institutional member has registered for a payment channel using the institutional member's credentials, then the payment channel for making payments to the contracted merchant or affiliated merchant using the institutional member's credentials will be opened to the institutional member, and the channel opening information will be synchronized to the target institution; if it is not detected that an institutional member has registered for a payment channel using the institutional member's credentials, then the registration information uploaded by the institutional member will be obtained, and the registration information will be verified based on the credentials information. After the verification is successful, the payment channel for making payments to the contracted merchant or affiliated merchant using the institutional member's credentials will be opened to the institutional member, and the channel opening information will be synchronized to the target institution.

[0033] In addition to the payment channels provided above for student membership cards, other types of institutional membership cards can also be activated using the same payment channels, such as hospital employee cards, commercial institution employee cards, enterprise employee cards, and military personnel support cards.

[0034] Step S104: Perform payment verification based on the account availability information of the member account bound to the institution member certificate and the payment order information.

[0035] As described above, the server receives a payment instruction from the payment channel opened for the target organization's member credentials. This payment instruction carries payment order information. In this step, payment verification is performed based on the payment order information and the account availability information of the member account bound to the organization's member credentials to determine whether the payment can be made, thereby preventing fund loss and effectively managing the organization's member credentials.

[0036] In practical applications, some target institutions have outdated equipment that cannot synchronize the available account information (such as the available resource amount of the member account) of the member account bound to the member credentials in real time. In this case, since the available account information of the member account cannot be obtained in a timely manner, the payment verification can be performed by the target institution. On the other hand, some target institutions have excellent equipment that can synchronize the available account information of the member account bound to the member credentials in real time. In this case, the payment verification is performed by the payment platform.

[0037] To address this, assuming the target institution has high-quality equipment and can synchronize the account availability information of member accounts bound to the institution's member credentials in real time, payment verification is performed based on the account availability information of the member accounts bound to the institution's member credentials and payment order information. This improves the convenience and efficiency of payment verification. In one optional implementation of this embodiment, when the account availability information of member accounts bound to the institution's member credentials synchronized by the target institution in real time can be obtained, the following operations are performed:

[0038] The corresponding payment type is determined based on the merchant information recorded in the payment order information;

[0039] Determine whether the amount to be paid recorded in the payment order information exceeds the payment limit corresponding to the payment type;

[0040] If the error exceeds the limit, the verification will fail and a payment failure notification will be returned.

[0041] If the amount is not exceeded, then it is checked whether the amount to be paid is less than or equal to the available resources of the member account. If yes, the verification is confirmed to be successful; otherwise, the verification is confirmed to be unsuccessful and a payment failure reminder is returned. The available resources are synchronized by the target institution.

[0042] Furthermore, to achieve flexible payment verification processing applicable to various payment verification scenarios, before performing payment verification, the executor of the payment verification can be determined. This involves checking whether there are available resource amounts in the member accounts bound to the synchronized member credentials of the target institution. If not, the payment verification is performed by the target institution; if it exists, the payment verification is performed by the payment platform. In one optional implementation method provided in this embodiment, payment verification is performed in the following way:

[0043] Check if the target organization has available resource amounts for the member account that has been synchronized.

[0044] If it does not exist, a payment verification application containing the payment order information is generated and sent to the target institution to perform payment verification based on the available resources of the member account and the payment order information;

[0045] If it exists, the corresponding payment type is determined based on the merchant information recorded in the payment order information;

[0046] Determine whether the amount to be paid recorded in the payment order information exceeds the payment limit corresponding to the payment type;

[0047] If the error exceeds the limit, the verification will fail and a payment failure notification will be returned.

[0048] If the amount is not exceeded, check whether the amount to be paid is less than or equal to the available resources of the member account. If yes, the verification is confirmed to be successful; otherwise, the verification is confirmed to be unsuccessful and a payment failure reminder is returned.

[0049] For example, if the target institution has a synchronized membership certificate with the available resource amount of the member account, and if not, a payment verification application containing payment order information is sent to the target institution for payment verification based on the member account's available resource amount and payment order information. If the target institution has a synchronized membership certificate with the target institution, the payment type is determined to be "leisure and entertainment" based on the merchant information "xx Internet Cafe" recorded in the payment order information. The payment limit for "leisure and entertainment" is "300 yuan / time", and the member account's available resource amount is "1000 yuan". The payment amount to be paid (200 yuan) recorded in the payment order information is determined to be less than the payment limit of "300 yuan / time". If the payment amount to be paid (200 yuan) is less than the member account's available resource amount of "1000 yuan", the verification is considered successful.

[0050] It should be added that, in addition to the payment type "leisure and entertainment" provided above, other payment types can also use the above method to determine whether the amount to be paid recorded in the payment order information exceeds the payment limit corresponding to the payment type, such as payment types "beauty and hairdressing", "desserts and drinks", and "flowers and plants".

[0051] Step S106: After the verification is passed, determine the payment relationship type between the merchant and the target institution recorded in the payment order information.

[0052] As mentioned above, merchant types are divided into contractual merchants and affiliated merchants. Payment relationship types include contractual payment type and affiliated payment type. Payment verification is performed based on the account availability information and payment order information of the member account bound to the institution member certificate. If the verification passes, the payment relationship type between the merchant and the target institution recorded in the payment order information is determined, that is, it is determined which type of merchant to pay to and which payment relationship type to use during the payment process. Different payment processing methods are selected for resource transfer operations based on different payment relationship types. If the verification fails, no processing is required or a payment failure reminder is returned.

[0053] Among them, the payment relationship type between the contracted merchant and the target institution is the contracted payment type, and the payment relationship type between the affiliated merchant and the target institution is the affiliated payment type.

[0054] The payment relationship type refers to the relationship type between the target institution and the merchant when the institution's member makes a payment through the payment channel of the institution's member's certificate. This includes the agreement payment type and the attribution payment type. Merchants belonging to the target institution are called attribution merchants, and merchants that have signed an agreement with the target institution are called agreement merchants. Alternatively, merchants within a certain distance from the target institution are attribution merchants, and correspondingly, merchants outside a certain distance from the target institution are agreement merchants.

[0055] Step S108: If the payment relationship type is a protocol payment type, then the protocol payment is made to the merchant according to the target institution's dedicated account.

[0056] The agreement payment described in this embodiment refers to the process of making payments to merchants who have signed agreements with the target institution.

[0057] The so-called dedicated account refers to an account specifically set up for agreement payment. During the payment process, resources are deducted from the target institution's dedicated account and then transferred to the merchant's resource account.

[0058] As described above, the payment relationship type between the merchant and the target institution recorded in the payment order information is determined, and different payment processing methods are selected for resource transfer operations based on different payment relationship types. In this embodiment, if the payment relationship type is a protocol payment type, the protocol payment is performed to the merchant corresponding to the merchant information recorded in the payment order information according to the target institution's dedicated account; optionally, the target institution's dedicated account is configured for the protocol payment.

[0059] In practical implementation, when the payment relationship type is agreement-based payment, since the payment relationship between the target institution and the agreement merchant is agreement-based payment, and the agreement merchant is a neighboring merchant of the target institution that has signed an agreement with the target institution, settlement can be carried out in real time when making payments to the agreement merchant. Payment resources are transferred to the merchant's resource account in real time according to the target institution's dedicated account, achieving real-time settlement and ensuring the fund security of the agreement merchant. In an optional implementation method provided in this embodiment, when the payment relationship type is agreement-based payment, payment processing is performed in the following way:

[0060] The payment resources corresponding to the amount to be paid recorded in the payment order information are deducted from the target institution's dedicated account, and the payment is made to the merchant based on the deducted payment resources.

[0061] In addition, during the process of determining the payment relationship type between the merchant and the target institution recorded in the payment order information, the payment relationship type can also be the subordinate payment type. The following describes the payment processing process when the payment relationship type is the subordinate payment type.

[0062] For payment relationships where the payment type is "attributed payment," meaning the merchant belongs to and is under the jurisdiction of the target institution, a settlement cycle is set. Payment invoices within this cycle are aggregated, and periodic settlements are made with the attributed merchant based on these invoices. This facilitates reconciliation between the target institution and the attributed merchant, and helps with effective resource management and verification. In one optional implementation of this embodiment, when the payment relationship type is "attributed payment," payment processing is performed as follows: A payment invoice corresponding to the payment order information is generated.

[0063] Based on the payment bill, a resource freeze instruction carrying the amount to be paid is sent to the target institution to freeze the payment resources corresponding to the institution member vouchers in the institution account of the target institution according to the amount to be paid, and to update the available resource amount in the member account after freezing.

[0064] Specifically, the system generates payment bills corresponding to payment order information in real time. The payment order information records the amount to be paid. A resource freeze instruction carrying the amount to be paid is sent to the target institution so that the target institution can freeze the payment resources corresponding to the amount to be paid in the institution's account. After freezing, the available resource amount of the member account bound to the institution's member certificate is updated to prevent the payment bill from being unable to be settled due to the target institution's poor management, thus protecting the merchant's funds and rights from infringement.

[0065] Furthermore, after generating the payment bill corresponding to the payment order information, a resource freeze instruction carrying the amount to be paid is sent to the target institution based on the payment bill. This freezes the payment resources corresponding to the member vouchers in the target institution's institutional account according to the amount to be paid. After freezing, the available resource amount in the member account is updated. The target institution can then settle the corresponding payment bill with the merchant according to the settlement cycle. In one optional implementation of this embodiment, periodic settlement is performed in the following manner:

[0066] Based on the payment time recorded in the payment bill and the settlement cycle of the target institution and the merchant, determine the settlement date for the target institution to settle with the merchant for the payment bill;

[0067] After the settlement date is detected, the payment bill is synchronized with the target institution and the merchant;

[0068] Based on the confirmation responses from the target institution and the merchant regarding the payment bill, a resource unfreezing instruction for the payment resources is sent to the target institution to perform the unfreezing process for the payment resources and the payment process.

[0069] Specifically, to facilitate reconciliation between the target institution and the affiliated merchant, a periodic settlement mode is provided for the affiliated merchant. Based on the payment time of the institution's members recorded in the generated payment bill and the settlement cycle of the target institution and the affiliated merchant, the settlement date for the periodic settlement between the target institution and the affiliated merchant is determined. After the settlement date arrives, the payment bill is simultaneously paid to the target institution and the affiliated merchant, which facilitates reconciliation between the target institution and the affiliated merchant. The system obtains confirmation of the payment bill from the target institution and the affiliated merchant, and sends a resource unfreezing instruction to the target institution for the payment resources in the institution's account to unfreeze the payment resources and process the payment according to the payment resources.

[0070] Optionally, during the unfreezing and payment processing of payment resources, the payment resources may be unfrozen according to the resource unfreezing instruction; the unfrozen payment resources may be deducted from the target institution's institutional account; and settlement may be made to the merchant based on the deducted payment resources.

[0071] It should be added that, in order to prevent insufficient available resources during the payment process from the target institution's dedicated account to the merchant and to improve payment efficiency, a preset resource threshold can be set for the dedicated account. If the available resources of the dedicated account are less than the preset threshold, a resource allocation reminder is sent to the target institution. In one optional implementation of this embodiment, the following operations are performed during the process of detecting whether the available resources of the dedicated account are less than the preset resource threshold:

[0072] Detect whether the available resources of the special account are less than a preset resource threshold;

[0073] If so, a resource allocation reminder is sent to the target organization to allocate resources from the target organization's institutional account to the dedicated account;

[0074] If not, no action will be taken.

[0075] For example, a preset resource threshold of "xx million yuan" can be set for the dedicated account of the target institution. After detecting that the available resources of the dedicated account are lower than "xx million yuan", a resource allocation reminder is sent to the target institution, enabling the target institution to allocate resources to the dedicated account through the institutional account, thus ensuring real-time settlement for the contracted merchants.

[0076] It should be added that, for contract merchants, payments can also be processed through a periodic settlement model based on the target institution's institutional account or dedicated account; similarly, for affiliated merchants, payments can also be processed through a real-time settlement model based on the target institution's institutional account or dedicated account.

[0077] In practical applications, organizational members can recharge their accounts using their membership credentials. The recharge process can be completed either on the payment platform or a third-party payment platform to accommodate various recharge scenarios and meet diverse recharge needs. In the first optional implementation provided in this embodiment, resource transfer operations are performed on the payment platform using organizational member credentials in the following manner:

[0078] The system obtains the resource transfer request submitted by the institutional member bound to the institutional member certificate on the payment platform for the institutional member certificate; the resource transfer request carries the transfer amount.

[0079] The transfer of resources corresponding to the transferred amount from the resource account of the institution member on the payment platform to the dedicated account;

[0080] The transferred resources are transferred to the target institution's institutional account according to the retention ratio.

[0081] The retention rate here can be 0, 100%, or any value between 0 and 100%. The specific percentage can be set according to the actual situation, and this embodiment does not impose any specific limitations.

[0082] For example, when an institutional member submits a resource transfer request on the payment platform based on their institutional member credentials, with the transfer amount being 'a', the server, upon receiving the request, transfers the corresponding amount 'a' from the institutional member's resource account on the payment platform to the target institution's dedicated account. If the retention ratio is 'b', the target institution can choose to transfer 'a×b' yuan to its institutional account.

[0083] In addition to the above-mentioned method of topping up institutional member credentials through a payment platform, topping up can also be done through a third-party payment platform. This third-party payment platform can be, for example, a bank payment platform. In the second optional implementation provided in this embodiment, after the institutional member bound to the institutional member credentials initiates a resource injection request through a third-party payment platform, the following resource transfer operation is performed:

[0084] The resources corresponding to the injection amount carried in the resource injection request are transferred from the resource account of the institution member on the third-party payment platform to the institution account of the target institution.

[0085] The injected resources are transferred to the dedicated account according to the retention ratio.

[0086] The retention rate here can be 0, 100%, or any value between 0 and 100%. The specific percentage can be set according to the actual situation, and this embodiment does not impose any specific limitations.

[0087] Specifically, institutional members input the injection amount through a third-party payment platform and initiate a resource injection request. The payment resources corresponding to the injection amount are transferred from the institutional member's resource account on the third-party payment platform to the target institution's institutional account. The target institution then transfers a portion of the payment resources to a dedicated account according to a certain ratio.

[0088] The following description uses the application of a payment processing method provided in this embodiment in an educational institution scenario as an example to further illustrate the payment processing method provided in this embodiment. (See also...) Figure 2 The payment processing method applied to educational institutions includes the following steps.

[0089] Step S202: Receive payment instructions for the payment channels opened for student credentials of educational institutions.

[0090] The payment instruction here carries payment order information.

[0091] Step S204: Check if there are available resource amounts for student accounts linked to student credentials synchronized by the educational institution;

[0092] If so, proceed to steps S206 to S208;

[0093] If not, a payment verification request containing payment order information is generated and sent to the educational institution to perform payment verification based on the student's available resources and payment order information.

[0094] Step S206: Determine the corresponding payment type based on the merchant information recorded in the payment order information.

[0095] Step S208: Determine whether the amount to be paid recorded in the payment order information exceeds the payment limit corresponding to the payment type;

[0096] If so, the verification will fail and a payment failure notification will be returned;

[0097] If not, proceed to step S210.

[0098] Step S210: Check whether the amount to be paid is less than or equal to the available resources in the student's account;

[0099] If so, the verification is confirmed to be successful, and steps S212 to S228 are executed.

[0100] If not, the verification will fail and a payment failure notification will be returned.

[0101] Step S212: Determine the payment relationship type between the merchant and the educational institution recorded in the payment order information.

[0102] The types of payment relationships include agreement-based payment types and attribution-based payment types.

[0103] Step S214: If the payment relationship type is an agreement payment type, then deduct the payment resources corresponding to the amount to be paid recorded in the payment order information from the educational institution's dedicated account.

[0104] Step S216: Pay the merchant based on the deducted payment resources.

[0105] Step S218: If the payment relationship type is the attribution payment type, then generate the payment bill corresponding to the payment order information.

[0106] Step S220: Send a resource freeze instruction carrying the amount to be paid to the educational institution based on the payment bill, so as to freeze the payment resources corresponding to the student vouchers in the institution's account according to the amount to be paid, and update the available resource amount in the student's account after freezing.

[0107] Step S222: Based on the payment time recorded in the payment bill and the settlement cycle of the educational institution and the merchant, determine the settlement date for the educational institution to settle accounts with the merchant for the payment bill.

[0108] Step S224: After the settlement date is detected, the bill is paid to the educational institution and the merchant simultaneously.

[0109] Step S226: Based on the confirmation responses submitted by the educational institution and the merchant for the payment bill, a resource unfreezing instruction for the payment resources is sent to the educational institution to unfreeze the payment resources, and the unfrozen payment resources are deducted from the educational institution's institutional account. Settlement is then made to the merchant based on the deducted payment resources.

[0110] Step S228: Detect whether the available resources of the special account are less than a preset resource threshold;

[0111] If so, proceed to step S230;

[0112] If not, no action will be taken.

[0113] Step S230: Send a resource allocation reminder to the educational institution to allocate resources from the institution's account to the dedicated account.

[0114] It should be added that, in addition to the educational institutions mentioned above, the target institutions can also be other types of institutions, such as enterprises.

[0115] In summary, the payment processing method provided in this embodiment first receives a payment instruction carrying payment order information from a payment channel opened for a member credential of the target institution, and checks whether there are available resource amounts in the member accounts synchronized with the target institution. If not, a payment verification application containing payment order information is generated and sent to the target institution to perform payment verification based on the available resource amounts in the member accounts and the payment order information. If the payment order information exists, the corresponding payment type is determined according to the merchant information recorded in the payment order information, and it is determined whether the amount to be paid recorded in the payment order information exceeds the payment limit corresponding to the payment type. If it does not exceed the limit, it is checked whether the amount to be paid is less than or equal to the available resource amounts in the member accounts. If it is, the verification is determined to be successful; otherwise, the verification is determined to be unsuccessful.

[0116] Secondly, after the verification is passed, the payment relationship type between the merchant and the target institution recorded in the payment order information is determined. If the payment relationship type is the agreement payment type, the payment resources corresponding to the amount to be paid recorded in the payment order information are deducted from the target institution's dedicated account, and the payment is made to the merchant based on the deducted payment resources.

[0117] Secondly, if the payment relationship type is a subordinate payment type, a payment bill corresponding to the payment order information is generated. Based on the payment bill, a resource freeze instruction carrying the amount to be paid is sent to the target institution to freeze the payment resources corresponding to the member vouchers in the target institution's institutional account according to the amount to be paid. After freezing, the available resource amount in the member account is updated. Based on the payment time recorded in the payment bill and the settlement cycle of the target institution and the merchant, the settlement date for the target institution to settle with the merchant for the payment bill is determined. After the settlement date is detected, the payment bill is synchronized with the target institution and the merchant. Based on the confirmation response submitted by the target institution and the merchant for the payment bill, a resource unfreeze instruction for the payment resources is sent to the target institution to unfreeze the payment resources according to the resource unfreeze instruction. The unfrozen payment resources are deducted from the target institution's institutional account, and the settlement is made with the merchant based on the deducted payment resources.

[0118] Finally, it checks whether the available resources in the dedicated account are less than a preset resource threshold. If so, it sends a resource allocation reminder to the target institution to allocate resources from the target institution's institutional account to the dedicated account; otherwise, it takes no action. This facilitates consumption by institutional members using their membership credentials, improves payment convenience for institutional members, helps the target institution manage the consumption of its members, saves human and material costs, and promotes the activity of the target institution's account resources. At the same time, it performs different types of payment processing for merchants with different payment relationship types, achieving flexibility in payment processing and meeting the settlement needs of various types of merchants.

[0119] This specification provides an embodiment of a payment processing device as follows:

[0120] In the above embodiments, a payment processing method is provided, and correspondingly, a payment processing device is also provided, which will be described below with reference to the accompanying drawings.

[0121] Reference Figure 3 The diagram shows a payment processing device provided in this embodiment.

[0122] Since the apparatus embodiments correspond to the method embodiments, the descriptions are relatively simple. For relevant parts, please refer to the corresponding descriptions of the method embodiments provided above. The apparatus embodiments described below are merely illustrative.

[0123] This embodiment provides a payment processing device, including:

[0124] The payment instruction receiving module 302 is configured to receive payment instructions for payment channels opened by the member credentials of the target institution; the payment instructions carry payment order information.

[0125] The payment verification module 304 is configured to perform payment verification based on the account availability information of the member account bound to the institution member certificate and the payment order information;

[0126] The payment relationship type determination module 306 is configured to determine the payment relationship type between the merchant and the target institution recorded in the payment order information after the verification is passed;

[0127] If the payment relationship type is a protocol payment type, then the protocol payment module 308 is run. The protocol payment module 308 is configured to make protocol payments to the merchant based on the target institution's dedicated account; the dedicated account is configured for the protocol payment.

[0128] This specification provides the following embodiment of a payment processing device:

[0129] Corresponding to the payment processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a payment processing device for executing the payment processing method provided above. Figure 4 This is a schematic diagram of the structure of a payment processing device provided for one or more embodiments of this specification.

[0130] This embodiment provides a payment processing device, including:

[0131] like Figure 4 As shown, payment processing devices can vary significantly due to differences in configuration or performance. They may include one or more processors 401 and memory 402, with memory 402 storing one or more application programs or data. Memory 402 can be temporary or persistent storage. The application programs stored in memory 402 may include one or more modules (not shown), each module including a series of computer-executable instructions from the payment processing device. Furthermore, processor 401 may be configured to communicate with memory 402, executing the series of computer-executable instructions stored in memory 402 on the payment processing device. The payment processing device may also include one or more power supplies 403, one or more wired or wireless network interfaces 404, one or more input / output interfaces 405, one or more keyboards 406, etc.

[0132] In one specific embodiment, the payment processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the payment processing device, and is configured to be executed by one or more processors. The one or more programs include computer-executable instructions for performing the following:

[0133] Receive payment instructions for payment channels activated by the member credentials of the target institution; the payment instructions carry payment order information;

[0134] Payment verification is performed based on the account availability information of the member account bound to the member's certificate and the payment order information;

[0135] After the verification is passed, the payment relationship type between the merchant and the target institution recorded in the payment order information is determined;

[0136] If the payment relationship type is a protocol payment type, then the protocol payment is made to the merchant based on the target institution's dedicated account; the dedicated account is configured for the protocol payment.

[0137] This specification provides an example of a storage medium as follows:

[0138] Corresponding to the payment processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a storage medium.

[0139] The storage medium provided in this embodiment is used to store computer-executable instructions, which, when executed by a processor, implement the following process:

[0140] Receive payment instructions for payment channels activated by the member credentials of the target institution; the payment instructions carry payment order information;

[0141] Payment verification is performed based on the account availability information of the member account bound to the member's certificate and the payment order information;

[0142] After the verification is passed, the payment relationship type between the merchant and the target institution recorded in the payment order information is determined;

[0143] If the payment relationship type is a protocol payment type, then the protocol payment is made to the merchant based on the target institution's dedicated account; the dedicated account is configured for the protocol payment.

[0144] It should be noted that the embodiments concerning the storage medium in this specification and the embodiments concerning the payment processing method in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can be referred to the implementation of the corresponding method described above, and the repeated parts will not be described again.

[0145] The foregoing has described specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims may be performed in a different order than that shown in the embodiments and may still achieve the desired result. Furthermore, the processes depicted in the drawings do not necessarily require the specific or sequential order shown to achieve the desired result. In some embodiments, multitasking and parallel processing are possible or may be advantageous.

[0146] In the 1930s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the methodology). However, with technological advancements, many improvements to the methodology today can be considered direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved methodology into the hardware circuit. Therefore, it cannot be said that an improvement to the methodology cannot be implemented using a hardware physical module. For example, a Programmable Logic Device (PLD) (e.g., a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program a digital system themselves to "integrate" it onto a PLD, without needing chip manufacturers to design and manufacture dedicated integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing integrated circuit chips, this programming is mostly implemented using "logic compiler" software. Similar to the software compiler used in program development, the original code before compilation must be written in a specific programming language, called a Hardware Description Language (HDL). There are many HDLs, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should understand that by simply performing some logic programming on the method flow using one of these hardware description languages ​​and programming it into an integrated circuit, the hardware circuit implementing the logical method flow can be easily obtained.

[0147] The controller can be implemented in any suitable manner. For example, it can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, application-specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicon Labs C8051F320. A memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also recognize that, in addition to implementing the controller in purely computer-readable program code form, the same functionality can be achieved by logically programming the method steps to make the controller take the form of logic gates, switches, ASICs, programmable logic controllers, and embedded microcontrollers. Therefore, such a controller can be considered a hardware component, and the means included therein for implementing various functions can also be considered as structures within the hardware component. Alternatively, the means for implementing various functions can be considered as both software modules implementing the method and structures within the hardware component.

[0148] The systems, devices, modules, or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, a computer can be, for example, a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, or any combination of these devices.

[0149] For ease of description, the above apparatus is described by dividing it into various functional units. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in one or more software and / or hardware.

[0150] Those skilled in the art will understand that one or more embodiments of this specification can be provided as a method, system, or computer program product. Therefore, one or more embodiments of this specification may take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this specification may take the form of a computer program product embodied 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.

[0151] This specification is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this specification. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create a machine for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0152] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0153] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0154] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0155] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0156] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0157] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0158] One or more embodiments of this specification can be described in the general context of computer-executable instructions, such as program modules, that are executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a particular task or implement a particular abstract data type. One or more embodiments of this specification can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.

[0159] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to interchangeably. Each embodiment focuses on describing the differences from other embodiments. In particular, the system embodiments are basically similar to the method embodiments, so the description is relatively simple; relevant parts can be referred to the descriptions in the method embodiments.

[0160] The above description is merely an embodiment of this document and is not intended to limit the scope of this document. Various modifications and variations can be made to this document by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this document should be included within the scope of the claims of this document.

Claims

1. A payment processing method, comprising: receiving a payment instruction of a payment channel for opening a student voucher of an educational institution; the payment instruction carrying payment order information; performing payment verification based on account available information of a student account bound with the student voucher and the payment order information; after verification, determining a relationship type between a merchant recorded in the payment order information and the educational institution when making a payment through the payment channel; if the relationship type is a protocol payment type, making a protocol payment to the merchant according to a special account of the educational institution; the merchant includes a surrounding merchant of the educational institution; a student bound with the student voucher submits a resource transfer-in request to the payment platform for the student voucher, and transfers transfer-in resources corresponding to a transfer-in amount carried in the resource transfer-in request from a resource account of the student in the payment platform to the special account, and transfers the transfer-in resources to an institutional account of the educational institution according to a retention ratio; if the relationship type is an attribution payment type, generating a payment bill corresponding to the payment order information, and sending a resource freezing instruction carrying a to-be-paid amount to the educational institution based on the payment bill, so as to freeze payment resources corresponding to the student voucher in the institutional account according to the to-be-paid amount, and update available resource amount in the student account after freezing. 2.The payment processing method of claim 1, wherein the payment verification based on the account available information of the student account bound with the student voucher and the payment order information comprises: determining a corresponding payment type according to merchant information recorded in the payment order information; judging whether a to-be-paid amount recorded in the payment order information exceeds a payment limit corresponding to the payment type; if not, detecting whether the to-be-paid amount is less than or equal to available resource amount of the student account, and if yes, determining that the verification is passed; the available resource amount of the student account is synchronized by the educational institution. 3.The payment processing method of claim 2, wherein before the sub-step of determining the corresponding payment type according to the merchant information recorded in the payment order information is executed, the method further comprises: inquiring whether the available resource amount of the student account synchronized by the educational institution exists; if not, generating a payment verification application containing the payment order information and sending it to the educational institution, so as to perform payment verification based on the available resource amount of the student account and the payment order information; if yes, executing the sub-step of determining the corresponding payment type according to the merchant information recorded in the payment order information. 4.The payment processing method of claim 1, wherein the protocol payment to the merchant according to the special account of the educational institution comprises: deducting payment resources corresponding to a to-be-paid amount recorded in the payment order information from the special account of the educational institution, and making a payment to the merchant based on the deducted payment resources. 5.The payment processing method of claim 1, further comprising: detecting whether available resources of the special account are less than a preset resource threshold. If yes, a resource allocation reminder is sent to the educational institution to allocate resources from the institution account to the special account.

6. The payment processing method of claim 1, after the student bound to the student certificate initiates a resource injection request through a third-party payment platform, the following resource transfer operations are performed: from the resource account of the student on the third-party payment platform, the injection resources corresponding to the injection amount carried by the resource injection request are transferred to the institution account; the injection resources are transferred to the special account according to the retention ratio.

7. The payment processing method of claim 1, after the resource freezing instruction carrying the to-be-paid amount is sent to the educational institution based on the payment bill to freeze the payment resources corresponding to the student certificate in the institution account according to the to-be-paid amount, and the operation of updating the available resource amount in the student account after the freezing is performed, the following operations are further included: determining the settlement date of the educational institution to the merchant for the payment bill according to the payment time recorded in the payment bill and the settlement period of the educational institution and the merchant; after detecting that the settlement date arrives, synchronizing the payment bill to the educational institution and the merchant; based on the confirmation responses submitted by the educational institution and the merchant for the payment bill, sending a resource unfreezing instruction for the payment resources to the educational institution to perform unfreezing processing and payment processing of the payment resources.

8. The payment processing method of claim 7, the unfreezing processing and payment processing of the payment resources includes: unfreezing the payment resources according to the resource unfreezing instruction; deducting the unfreezed payment resources from the institution account, and settling with the merchant based on the deducted payment resources.

9. The payment processing method of claim 1, the payment channel of the student certificate is opened in the following way: detecting whether the student registers a payment channel for the student certificate; if yes, opening a payment channel for the student to make payments to the agreement merchant and / or the home merchant using the student certificate, and synchronizing the channel opening information to the educational institution; wherein, the relationship type between the agreement merchant and the educational institution is the agreement payment type, and the relationship type between the home merchant and the educational institution is the home payment type.

10. The payment processing method of claim 9, if the execution result of the operation of detecting whether the student registers a payment channel for the student certificate is no after the operation is performed, the following operations are performed: based on the educational institution selected by the student, querying the student certificate carried by the student certificate of the student for certificate information at the educational institution; obtaining the registration information uploaded by the student, and verifying the registration information based on the certificate information; after verification, opening a payment channel for the student to make payments to the agreement merchant and / or the home merchant using the student certificate, and synchronizing the channel opening information to the educational institution. 11.The payment processing method of claim 1, wherein the payment channel is displayed in a payment channel list triggered after the payment order information is confirmed by the student; and the payment instruction is submitted after the payment channel displayed in the payment channel list is selected. 12.A payment processing apparatus, comprising: a payment instruction receiving module configured to receive a payment instruction for a payment channel opened by a student credential of an educational institution; the payment instruction carrying payment order information; a payment verification module configured to perform payment verification based on account available information of a student account bound by the student credential and the payment order information; a payment relationship type determining module configured to determine, after the verification passes, a relationship type between a merchant recorded in the payment order information and the educational institution when the payment is made through the payment channel; if the relationship type is a protocol payment type, a protocol payment module is run, the protocol payment module being configured to make a protocol payment to the merchant according to a special account of the educational institution; the merchant including a surrounding merchant of the educational institution; a student bound by the student credential transferring, through a payment platform, an amount of resources corresponding to an amount of transfer carried by a resource transfer request to the special account from a resource account of the student in the payment platform, and transferring, according to a retention ratio, the resources to an institutional account of the educational institution; if the relationship type is an attribution payment type, a payment bill corresponding to the payment order information is generated, and a resource freezing instruction carrying a to-be-paid amount is sent to the educational institution based on the payment bill, so as to freeze payment resources corresponding to the student credential in the institutional account according to the to-be-paid amount, and update available resource amount in the student account after the freezing. 13.A payment processing device, comprising: a processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: receive a payment instruction for a payment channel opened by a student credential of an educational institution; the payment instruction carrying payment order information; perform payment verification based on account available information of a student account bound by the student credential and the payment order information; determine, after the verification passes, a relationship type between a merchant recorded in the payment order information and the educational institution when the payment is made through the payment channel; if the relationship type is a protocol payment type, make a protocol payment to the merchant according to a special account of the educational institution; the merchant including a surrounding merchant of the educational institution; a student bound by the student credential transferring, through a payment platform, an amount of resources corresponding to an amount of transfer carried by a resource transfer request to the special account from a resource account of the student in the payment platform, and transferring, according to a retention ratio, the resources to an institutional account of the educational institution. If the relationship type is the payment type, a payment bill corresponding to the payment order information is generated, a resource freezing instruction carrying a to-be-paid amount is sent to the educational institution based on the payment bill, so as to freeze the payment resource corresponding to the student certificate in the agency account according to the to-be-paid amount, and the available resource amount in the student account is updated after freezing.

14. A storage medium for storing computer executable instructions, the computer executable instructions, when executed by a processor, implement the following processes: receiving a payment instruction for a payment channel opened by a student certificate of an educational institution; the payment instruction carries payment order information; performing payment verification based on account available information of a student account bound by the student certificate and the payment order information; after verification, determining a relationship type between a merchant recorded in the payment order information and the educational institution when making payment through the payment channel; if the relationship type is the agreement payment type, making agreement payment to the merchant according to a special account of the educational institution; the merchant includes a surrounding merchant of the educational institution; a student bound by the student certificate submits a resource transfer-in request to the payment platform for the student certificate, and transfers transfer-in resource corresponding to a transfer-in amount carried by the resource transfer-in request from a resource account of the student in the payment platform to the special account, and transfers the transfer-in resource to an agency account of the educational institution according to a retention ratio; if the relationship type is the payment type, a payment bill corresponding to the payment order information is generated, a resource freezing instruction carrying a to-be-paid amount is sent to the educational institution based on the payment bill, so as to freeze the payment resource corresponding to the student certificate in the agency account according to the to-be-paid amount, and the available resource amount in the student account is updated after freezing.

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