Payment processing method, apparatus, and computer-readable storage medium

Abstract

The application discloses a payment processing method and device and a computer readable storage medium. The method comprises the following steps: displaying a payment webpage, wherein the payment webpage comprises a payment method selection control; in response to a selection operation on the payment method selection control, determining a target payment method; displaying a verification webpage corresponding to the target payment method, wherein a verification instruction input box is displayed in the verification webpage; receiving a payment verification instruction input in the verification instruction input box, and performing payment processing based on the payment verification instruction. The application solves the technical problem of low electronic payment efficiency in the related art.

Description

TECHNICAL FIELD

[0001] The present application relates to the field of data processing, and in particular, to a payment processing method and device and a computer readable storage medium. BACKGROUND

[0002] At present, electronic payment has become the main payment method in daily life.

[0003] In the related art, different payment applications are usually used for payment, or multiple selectable payment methods are provided in one payment application, and payment is performed by selecting a target payment method. These two payment methods have the following problems respectively: when different payment applications are used for payment, the corresponding payment application needs to be started to complete the payment, which is not convenient for the user to switch the payment method; and for the case where selectable payment methods are provided in one payment application, when the selected target payment method is a payment method not supported by the Internet platform corresponding to the payment application, it is necessary to first jump to the payment application corresponding to the Internet platform supporting the target payment method, and then complete the payment in the jumped payment application. The jump between different payment applications wastes the operation time of the user, and in addition, the payment cannot be completed when the jumped payment application starts abnormally, which affects the user experience. That is, in the related art, there is a problem of low efficiency of electronic payment.

[0004] At present, no effective solution has been proposed for the above problems. SUMMARY

[0005] The embodiments of the present application provide a payment processing method, device and computer readable storage medium to at least solve the technical problem of low efficiency of electronic payment in the related art.

[0006] According to an aspect of an embodiment of the present application, a payment method is provided, including: displaying a payment web page, wherein the payment web page includes a payment method selection control; in response to a selection operation on the payment method selection control, determining a target payment method; displaying a verification web page corresponding to the target payment method, wherein a verification instruction input box is displayed in the verification web page; receiving a payment verification instruction input in the verification instruction input box, and performing payment processing based on the payment verification instruction.

[0007] Optionally, the display of the payment web page includes: receiving a web page payment link, wherein the web page payment link carries account login page information and to-be-paid order information; based on the account login page information, displaying an account login web page of a predetermined application; in response to a login operation input on the account login web page, displaying a payment web page corresponding to the to-be-paid order information.

[0008] Optionally, the receiving the webpage payment link comprises: obtaining the account login page information and the to-be-paid order information by scanning a two-dimensional code; and generating the webpage payment link based on the account login page information and the to-be-paid order information.

[0009] Optionally, the receiving the webpage payment link comprises: in a case where a first application interface is displayed on a terminal receiving the webpage payment link, receiving the webpage payment link shared by a second application.

[0010] Optionally, the to-be-paid order information corresponds to a to-be-paid order, and the to-be-paid order is a price-modified order.

[0011] Optionally, the displaying the verification webpage corresponding to the target payment method comprises: obtaining display content corresponding to the target payment method, wherein the display content comprises the to-be-paid order information and the verification instruction input box; and displaying the display content in a predetermined arrangement manner in the verification webpage.

[0012] Optionally, the to-be-paid order information comprises at least one of the following: payment amount information of a to-be-paid order corresponding to the to-be-paid order information; and delivery information of the to-be-paid order corresponding to the to-be-paid order information, wherein the delivery information comprises a selected delivery time and a predicted delivery time.

[0013] Optionally, the displaying the verification webpage corresponding to the target payment method comprises: generating a verification webpage link based on the target payment method; and displaying the verification webpage corresponding to the target payment method based on the verification webpage link.

[0014] According to another aspect of the embodiments of the present application, a payment processing apparatus is further provided, comprising: a first display module configured to display a payment webpage, wherein the payment webpage comprises a payment method selection control; a selection module configured to determine a target payment method in response to a selection operation on the payment method selection control; a second display module configured to display a verification webpage corresponding to the target payment method on a predetermined webpage, wherein the verification webpage displays a verification instruction input box; and a receiving module configured to receive a payment verification instruction input in the verification instruction input box and perform payment processing based on the payment verification instruction.

[0015] According to another aspect of the embodiments of the present application, a computer readable storage medium is further provided, comprising a stored program, wherein the program controls a device where the computer readable storage medium is located to perform the payment processing method as described above when the program is running.

[0016] According to another aspect of the embodiments of the present application, a computer device is also provided, which comprises a memory and a processor, the memory stores a computer program, and the processor is configured to execute the computer program stored in the memory, and the computer program, when executed, causes the processor to perform the payment processing method according to any one of the preceding embodiments.

[0017] In the embodiments of the present application, the payment webpage is displayed, wherein the payment webpage comprises a payment method selection control, the target payment method is determined in response to a selection operation on the payment method selection control, the verification webpage corresponding to the target payment method is displayed, the verification webpage displays a verification instruction input box, the payment verification instruction input in the verification instruction input box is received, and the payment processing is performed based on the payment verification instruction. That is, the payment application does not need to be opened, and the target payment method can be directly selected in the payment webpage. After the target payment method is selected, the payment application corresponding to the target payment method is not jumped to, but the payment verification instruction is directly input in the verification instruction input box corresponding to the verification webpage, and the payment processing is performed based on the input payment verification instruction. Thus, the electronic payment is realized based on the corresponding webpage, the start of the payment application and the jump between different payment applications are not involved in the payment process, the payment failure caused by the abnormal start of the payment application does not occur, the waiting time of the user when jumping between different applications is saved, and the stability of the payment and the user experience are improved. The technical problem of low efficiency of the electronic payment in the related art is solved. BRIEF DESCRIPTION OF DRAWINGS

[0018] The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiments of the application and together with the description serve to explain the application. In the drawings:

[0019] Figure 1 is a hardware structure block diagram of a computer terminal of an optional payment processing method according to an embodiment of the present application;

[0020] Figure 2 is a flowchart of an optional payment processing method according to an embodiment of the present application;

[0021] Figure 3 is a schematic diagram of an optional payment webpage interface according to an embodiment of the present application;

[0022] Figure 4 is a schematic diagram of an optional verification webpage interface according to an embodiment of the present application;

[0023] Figure 5 is a mechanism block diagram of an optional payment processing device according to an embodiment of the present application;

[0024] Figure 6is a structural block diagram of a computer device according to an embodiment of the present application. DETAILED DESCRIPTION

[0025] In order to make the personnel in the technical field better understand the present application scheme, the technical scheme in the embodiment of the present application will be described clearly and completely in combination with the drawings in the embodiment of the present application. Obviously, the described embodiment is only a part of the embodiment of the present application, not all. Based on the embodiment in the present application, all other embodiments obtained by the person skilled in the art without creative labor should belong to the protection scope of the present application.

[0026] It should be noted that the terms "first", "second" and the like in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and do not necessarily indicate a specific order or a chronological sequence. It should be understood that the data thus used can be interchanged under appropriate circumstances, so that the embodiments of the present application described herein can be implemented in an order other than that illustrated or described herein. In addition, the terms "include" and "have" and any variations thereof are intended to cover non-exclusive inclusion, for example, a process, method, system, product or device including a series of steps or units does not necessarily have to include only those steps or units clearly listed, but can include other steps or units not clearly listed or inherent to the process, method, product or device.

[0027] First, some nouns or terms appearing in the description of the embodiments of the present application are applicable to the following explanations:

[0028] Digital store: an offline store that integrates Internet applications and physical stores through Internet of Things technology, artificial intelligence and automation technology, needs to be based on a retail digital platform, so that the online Internet platform and the offline digital store can realize the integration of data and process layers in terms of goods, prices, user members, orders and other information.

[0029] HTML5 (Hyper Text Markup Language 5, Hyper Text Markup Language) is a language description method for building and presenting Internet content.

[0030] Embodiment 1

[0031] According to the embodiments of the present application, an embodiment of a payment processing method is also provided. It should be noted that the steps shown in the flowchart of the drawings can be executed in a computer system such as a set of computer executable instructions, and although the logical order is shown in the flowchart, in some cases, the steps shown or described herein can be executed in a different order from that shown herein.

[0032] The method embodiment provided in Example 1 of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Figure 1 FIG1 shows a hardware structure block diagram of a computer terminal for implementing a payment processing method. Figure 1 As shown, the computer terminal 10 may include one or more processors (illustrated as 102a, 102b, ..., 102n in the figure, and the processor may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission device for communication functions. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the BUS bus), a network interface, a power supply and / or a camera. It will be understood by those skilled in the art that Figure 1 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 1 More or fewer components than shown, or with Figure 1 Different configurations shown.

[0033] It should be noted that the one or more processors and / or other data processing circuits described above may generally be referred to herein as "data processing circuitry." The data processing circuitry may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. Furthermore, the data processing circuitry may be a single, independent processing module, or may be incorporated in whole or in part into any of the other components of the computer terminal 10. As described in the embodiments of the present application, the data processing circuitry serves as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0034] Memory 104 can be used to store software programs and modules for application software, such as the program instructions / data storage device corresponding to the payment processing method in the embodiments of the present invention. The processor executes the software programs and modules stored in memory 104 to perform various functional applications and data processing, thereby implementing the aforementioned application vulnerability detection method. Memory 104 may include high-speed random access memory (RAM) and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, memory 104 may further include memory remotely located from the processor, and such remote memory may be connected to computer terminal 10 via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0035] The transmission device is configured to receive or send data via a network. The network can include a wireless network provided by a communication provider of the computer terminal 10. In one example, the transmission device includes a network interface controller (NIC) that can connect to other network devices through a base station to communicate with the Internet. In one example, the transmission device can be a radio frequency (RF) module that is configured to communicate with the Internet wirelessly.

[0036] The display can be a liquid crystal display (LCD) that is touch screen, for example, which can enable a user to interact with a user interface of the computer terminal 10 (or mobile device).

[0037] In the above operating environment, the present application provides a payment processing method as shown in Figure 2 Figure 2 is a flowchart of an optional payment processing method according to an embodiment of the present application. As shown in Figure 2

[0038] Step S202, displaying a payment webpage, wherein the payment webpage includes a payment method selection control.

[0039] Step S204, determining a target payment method in response to a selection operation on the payment method selection control.

[0040] Step S206, displaying a verification webpage corresponding to the target payment method, wherein the verification webpage displays a verification instruction input box.

[0041] Step S208, receiving a payment verification instruction input in the verification instruction input box, and performing payment processing based on the payment verification instruction.

[0042] In some optional embodiments, the subject performing the above payment processing method can be a mobile terminal, wherein the type of the mobile terminal can include a plurality of types, such as a mobile phone, a tablet computer, a smart wearable device, etc. The mobile phone can include a smart phone, etc.

[0043] In some optional embodiments, the payment verification instruction can include a plurality of types, such as a payment password, a prompt instruction prompting a user to perform fingerprint payment authentication, a confirmation instruction prompting a user to confirm an instant payment method that does not require password input, etc.

[0044] ​​In some optional embodiments, the payment verification instruction input in the verification instruction input box is received, and the payment is completed after the payment verification instruction is authenticated. When the payment verification instruction fails to be authenticated, the verification webpage can prompt the user to input the payment verification instruction again through a text prompt or the like, and payment processing is performed according to the payment verification instruction input again.

[0045] In the above optional embodiments, the payment webpage is displayed, wherein the payment webpage includes a payment method selection control, a target payment method is determined in response to a selection operation on the payment method selection control, a verification webpage corresponding to the target payment method is displayed, the verification webpage displays a verification instruction input box, a payment verification instruction input in the verification instruction input box is received, and payment processing is performed based on the payment verification instruction. That is, the target payment method can be selected directly in the payment webpage without opening the payment application. After the target payment method is selected, the verification webpage corresponding to the target payment method is displayed directly instead of jumping to the payment application corresponding to the target payment method. The payment verification instruction is input in the verification instruction input box of the verification webpage, and payment processing is performed based on the input payment verification instruction. Thus, electronic payment is realized based on the corresponding webpage. In the payment process, the payment application is not started and the jump between different payment applications is not involved. The payment failure caused by the abnormal start of the payment application is avoided. The waiting time of the user when jumping between different applications is saved, and the stability of payment and the user experience are improved. The technical problem of low efficiency of electronic payment in the related art is solved.

[0046] In some optional embodiments, the method of displaying the payment webpage can include the following steps: receiving a webpage payment link, wherein the webpage payment link carries account login page information and to-be-paid order information; displaying an account login webpage of a predetermined application based on the account login page information; and displaying a payment webpage corresponding to the to-be-paid order information in response to a login operation input on the account login webpage. After the payment webpage is displayed, a target payment method is selected from the payment methods displayed on the payment webpage, a verification webpage corresponding to the target payment method is displayed, and payment processing is completed based on the payment verification instruction input operation in the verification instruction input box of the verification webpage. The payment webpage is obtained through the account login operation, a target payment method is selected from the payment methods displayed on the payment webpage, and payment processing is performed based on the target payment method. Thus, the binding of the payment amount information, the order information, and the account information is realized, and the reflux of the payment amount information and the order information on the Internet platform corresponding to the predetermined application is realized.

[0047] In some optional embodiments, different payment manners correspond to different Internet platforms, that is, different Internet platforms support different payment manners, and the predetermined application corresponds to one Internet platform. In the prior art, when performing electronic payment in a digital store, if the payment is performed by using a payment manner supported by an Internet platform other than the Internet platform corresponding to the predetermined application, the payment information such as the payment amount and order information cannot be automatically returned to the Internet platform corresponding to the predetermined application. In the present optional embodiments, the account login webpage is logged in by performing a login operation, and a payment webpage corresponding to the order information to be paid is displayed after login. The target payment manner is selected from the payment manners of the payment webpage, and the payment processing is performed based on the target payment manner. The payment information is bound to the logged-in account. Even if the target payment manner selected is not a payment manner supported by the Internet platform corresponding to the predetermined application, the payment amount information and the order information of the payment performed by the target payment manner can still be returned to the Internet platform corresponding to the predetermined application.

[0048] In some optional embodiments, receiving the webpage payment link includes: obtaining the account login page information and the order information to be paid by scanning a two-dimensional code; and generating the webpage payment link based on the account login page information and the order information to be paid. The webpage payment link is obtained by scanning the two-dimensional code, and the method is simple and easy to operate, thereby improving the user experience.

[0049] In some optional embodiments, receiving the webpage payment link includes: in a case where the terminal displays the first application interface when the webpage payment link is received, receiving the webpage payment link shared by the second application.

[0050] In one embodiment, the first application includes a plurality of types, for example, the first application is an application with information receiving function, for example, the first application can be an application with payment function, or an application without payment function, and the like. The information that can be received by the first application includes a webpage link, and the information receiving manner of the first application can be a group sharing manner. The first application receives the webpage payment link shared by the second application, obtains a payment webpage based on the received webpage payment link, and performs payment processing based on the payment webpage. That is, the payment processing flow can be completed in the first application. When the user terminal only has the first application, the webpage payment link shared by the second application can be received by the first application, and the payment processing is performed based on the received webpage payment link. Thus, the cross-application platform operation of payment is realized, the user is facilitated to perform payment operation, and the user experience is improved.

[0051] In some optional embodiments, the to-be-paid order corresponding to the to-be-paid order information is a price-modified order, where the price-modified order is an order in which the order amount of the target object is modified. In an optional embodiment, a relevant person of the digital store can modify the order amount of the target object, generate a webpage payment link based on the modified order amount, and a user shopping at the digital store can make a payment based on the webpage payment link. In this way, the flexibility of pricing the target object is improved.

[0052] In some optional embodiments, displaying the verification webpage corresponding to the target payment method includes: obtaining display content corresponding to the target payment method, where the display content includes the to-be-paid order information and a verification instruction input box; and displaying the display content in a predetermined arrangement manner in the verification webpage. In this way, the user can perform order information confirmation and verification instruction input operation according to the content displayed on the verification webpage, and the user experience is improved.

[0053] In some optional embodiments, the to-be-paid order information includes at least one of the following: payment amount information of the to-be-paid order corresponding to the to-be-paid order information; and delivery information of the to-be-paid order corresponding to the to-be-paid order information, where the delivery information includes a selected delivery time and an estimated delivery time. The user selects the delivery time on the payment page, and the payment webpage displays the to-be-paid order information including the selected delivery time and the estimated delivery time. The user can select the delivery time as needed and confirm the estimated delivery time displayed on the payment page, and the user experience is improved.

[0054] In some optional embodiments, the method of displaying the verification webpage corresponding to the target payment method can include the following steps: generating a verification webpage link based on the target payment method; and displaying the verification webpage corresponding to the target payment method based on the verification webpage link. The corresponding verification webpage is generated based on the target payment method to perform the payment operation, and the payment application corresponding to the target payment method does not need to be started, and the processing speed and user experience are improved.

[0055] Based on the above embodiments and optional embodiments, an optional implementation is provided, which is described below with the target object being a commodity and the application object of the second application being an offline staff of a digital store. In the related art, when shopping in a digital store, a payment method corresponding to different payment applications is usually used for payment, or multiple optional payment methods are provided in one payment application, and payment is made by selecting a target payment method. These two payment methods have the following problems respectively: when different payment applications are used for payment, the corresponding payment application needs to be started to complete the payment, which is not convenient for users to switch payment methods; and for the case where payment methods can be selected in one payment application, when the selected target payment method is a payment method not supported by the Internet platform corresponding to the payment application, it is necessary to first jump to the payment application corresponding to the Internet platform supporting the target payment method, and then complete the payment in the jumped payment application. The jump between different payment applications wastes the operation time of the user, and in addition, when the jumped payment application starts abnormally, the payment cannot be completed, which affects the user experience. That is, in the related art, when shopping in a digital store, there is an inconvenience of electronic payment.

[0056] In view of this, in the embodiments of the present disclosure, a payment processing method is provided, which displays a payment webpage, wherein the payment webpage includes a payment method selection control, in response to a selection operation on the payment method selection control, a target payment method is determined, a verification webpage corresponding to the target payment method is displayed, the verification webpage displays a verification instruction input box, a payment verification instruction input in the verification instruction input box is received, and payment processing is performed based on the payment verification instruction. That is, without opening the payment application, the target payment method can be directly selected in the payment webpage, after selecting the target payment method, the payment application corresponding to the target payment method is not jumped to, but the verification webpage is directly displayed, and the payment verification instruction is input in the verification instruction input box corresponding to the verification webpage, and the payment processing is performed based on the input payment verification instruction. Thus, electronic payment is realized based on the corresponding webpage, and in the payment process, the start of the payment application and the jump between different payment applications are not involved, and the payment failure caused by the abnormal start of the payment application does not occur, the waiting time of the user when jumping between different applications is saved, and the stability of the payment and the user experience are improved. The technical problem of low efficiency of electronic payment in the related art is solved.

[0057] The payment processing method provided by the optional implementation includes the following steps:

[0058] The staff of the digital store modifies the order amount of the commodity (equivalent to the target object in the foregoing embodiments) to be purchased by the user on the commodity page of the merchant application software (equivalent to the second application in the foregoing embodiments), fills in the user information, and generates a webpage payment link based on the commodity information after the amount modification and the filled-in user information.

[0059] The first application of the user terminal receives the webpage payment link, and opens the HTML5 webpage (equivalent to the account login webpage in the foregoing embodiment) through the webpage link. The first application has a first application interface for accepting and sending information, and the first application interface can be shared by multiple users through group sharing. The first application of the user terminal receives the webpage payment link in various ways, for example, the webpage payment link can be obtained in the following ways: the staff of the digital store sends the webpage payment link to the first application of the user terminal through information sending, and the first application of the user terminal receives the webpage payment link; the staff of the digital store sends a two-dimensional code containing the webpage payment link to the first application of the user terminal through information sending, and the user identifies the two-dimensional code to obtain the webpage payment link; the user terminal obtains the webpage payment link by scanning a two-dimensional code in the digital store, and the like.

[0060] The user performs an account login operation on the HTML5 webpage to obtain a payment webpage in the case of having an existing login account, or clicks an account registration control of the HTML5 webpage to obtain an account registration webpage, performs an account registration operation on the account registration webpage, performs a login operation based on the registered account, and obtains the payment webpage in the case of not having a login account.

[0061] Figure 3 is a schematic diagram of an optional payment webpage interface according to an embodiment of the application. As shown in Figure 3 The payment webpage displays a delivery address modification box, a delivery time selection box, a to-be-paid order information box, a payment method selection box, and a submit order confirmation box, and the like. The user modifies or confirms the delivery address information in the delivery address modification box, modifies or confirms the delivery time in the delivery time selection box, confirms the to-be-paid order information in the to-be-paid order information box, selects a payment method in the payment method selection box, and then clicks a submit order confirmation control to obtain a predetermined webpage that can display a verification instruction input box.

[0062] In the case where the predetermined webpage is a verification webpage generated based on a selection operation of the payment method selection control, a verification instruction is input in the verification instruction input box of the verification webpage to perform a payment operation.

[0063] In the case where the predetermined webpage is a payment webpage, a verification instruction is input in the verification instruction input box of the payment webpage to perform a payment operation. The verification instruction input box includes a webpage pop-up window that fully covers a region of the payment webpage, a webpage pop-up window that partially covers a region of the verification webpage, and the like.

[0064] The case where the predetermined webpage is a verification webpage generated based on a selection operation of the payment method selection control is taken as an example for description.

[0065] Figure 4 is a schematic diagram of an optional verification webpage interface according to an embodiment of the present application. Referring to FIG. 8, the verification webpage displays a payee merchant information column, an order information column, an order amount information column, a target payment method confirmation column, and a confirmation payment control. Figure 4 The user clicks the confirmation payment control to obtain a verification instruction input box, inputs a payment verification instruction in the verification instruction input box, and completes payment. The verification instruction input box can be in various forms, including a webpage pop-up window that covers the entire verification webpage region and a webpage pop-up window that covers part of the verification webpage region.

[0066] After payment is completed, the payment fund and order information are returned to the merchant platform corresponding to the commodity.

[0067] In the optional embodiment, the webpage payment link generated based on the merchant application software (second application) is sent to the first application of the user terminal, and the user performs a payment operation based on the webpage payment link received by the first application, thereby realizing cross-platform payment operation between different applications. After payment is completed, the payment fund and order information are returned to the merchant platform corresponding to the commodity, thereby ensuring the return of fund data and order information of cross-platform payment. The digital store can modify the order amount, thereby improving the self-operation capability of the digital store. The entire payment process is completed based on the operation of the corresponding webpage. After the target payment method is selected, payment is completed based on the payment webpage, and it is not necessary to jump to the application corresponding to the target payment method to perform a payment operation. Thus, payment abnormality caused by abnormal application startup is avoided. When the cross-platform payment method is selected, payment is completed based on the payment webpage, and it is not necessary to switch between different applications, thereby saving the waiting time for starting and switching different applications and improving user experience.

[0068] It should be noted that, for each method embodiment described above, in order to simply describe, each method embodiment is described as a series of action combinations, but those skilled in the art should know that the present application is not limited by the action sequence described, because according to the present application, some steps can be performed in other sequences or simultaneously. Secondly, those skilled in the art should know that the embodiments described in the specification are all preferred embodiments, and the actions and modules involved are not necessarily required by the present application.

[0069] Those skilled in the art can clearly understand that the payment processing method according to the above-mentioned embodiments can be realized by means of software and necessary general hardware platform, of course, it can also be realized by hardware, but in many cases, the former is a better embodiment. Based on such understanding, the technical solutions of the present application can be embodied in the form of a software product, which is stored in a computer readable storage medium (such as ROM / RAM, magnetic disk, optical disc), and includes a plurality of instructions for making a terminal device (which can be a mobile phone, computer, server, or network device, etc.) execute the method of each embodiment of the present application.

[0070] Embodiment 2

[0071] According to the embodiments of the present application, a structural block diagram for implementing the above-mentioned payment processing device is also provided, as shown in the figure, the device comprises a first display module 502, a selection module 504, a second display module 506, and a receiving module 508, which are described below respectively. Figure 5

[0072] The first display module 502 is configured to display a payment webpage, wherein the payment webpage comprises a payment method selection control; the selection module 504 is connected to the first display module 502 and configured to determine a target payment method in response to a selection operation on the payment method selection control; the second display module 506 is connected to the selection module 504 and configured to display a verification webpage corresponding to the target payment method on a predetermined webpage, wherein the verification webpage displays a verification instruction input box; and the receiving module 508 is connected to the second display module 506 and configured to receive a payment verification instruction input in the verification instruction input box and perform payment processing based on the payment verification instruction.

[0073] It should be noted that the first display module 502, the selection module 504, the second display module 506, and the receiving module 508 correspond to steps S202 to S208 in Embodiment 1 respectively, and each module has the same instance and application scenario as the corresponding steps, but is not limited to the content disclosed in Embodiment 1. It should be noted that the above-mentioned modules as part of the device can run in the computer terminal 10 provided in Embodiment 1.

[0074] Embodiment 3

[0075] The embodiments of the present application can provide a computer readable storage medium. Optionally, in the present embodiment, the above-mentioned computer readable storage medium can be used to save the program code executed by the payment processing method provided in Embodiment 1.

[0076] ​Optionally, in the embodiment, the computer readable storage medium can be located in any one of the computer terminals in the computer terminal group in the computer network, or in any one of the mobile terminals in the mobile terminal group.

[0077] Optionally, in the embodiment, the computer readable storage medium is configured to store program code for performing the following steps: displaying a payment webpage, wherein the payment webpage comprises a payment method selection control; in response to a selection operation on the payment method selection control, determining a target payment method; displaying a verification webpage corresponding to the target payment method, wherein the verification webpage displays a verification instruction input box; receiving a payment verification instruction input in the verification instruction input box, and performing payment processing based on the payment verification instruction.

[0078] Optionally, in the embodiment, the computer readable storage medium is configured to store program code for performing the following steps: receiving a webpage payment link, wherein the webpage payment link carries account login page information and to-be-paid order information; based on the account login page information, displaying an account login webpage of a predetermined application; in response to a login operation input on the account login webpage, displaying a payment webpage corresponding to the to-be-paid order information.

[0079] Optionally, in the embodiment, the computer readable storage medium is configured to store program code for performing the following steps: receiving a webpage payment link comprises: obtaining the account login page information and the to-be-paid order information by scanning a two-dimensional code; based on the account login page information and the to-be-paid order information, generating the webpage payment link.

[0080] Optionally, in the embodiment, the computer readable storage medium is configured to store program code for performing the following steps: receiving a webpage payment link comprises: in the case that the terminal displaying a first application interface receives the webpage payment link, receiving the webpage payment link shared by a second application.

[0081] Optionally, in the embodiment, the computer readable storage medium is configured to store program code for performing the following steps: the to-be-paid order information corresponding to the to-be-paid order is a price-changed order, wherein the price-changed order is an order in which the order amount of a target object is modified.

[0082] Optionally, in the embodiment, the computer readable storage medium is configured to store program code for performing the following steps: displaying a verification webpage corresponding to the target payment method comprises: obtaining display content corresponding to the target payment method, wherein the display content comprises to-be-paid order information and a verification instruction input box; and displaying the display content in a predetermined arrangement in the verification webpage.

[0083] Optionally, in the embodiment, the computer readable storage medium is configured to store program code for performing the following steps: the to-be-paid order information comprises at least one of the following: payment amount information of the to-be-paid order corresponding to the to-be-paid order information; and delivery information of the to-be-paid order corresponding to the to-be-paid order information, wherein the delivery information comprises: a selected delivery time and a predicted delivery time.

[0084] Optionally, in the embodiment, the computer readable storage medium is configured to store program code for performing the following steps: displaying the verification webpage corresponding to the target payment method comprises: generating a verification webpage link based on the target payment method; and displaying the verification webpage corresponding to the target payment method based on the verification webpage link.

[0085] Embodiments of the application can provide a computer device, which can be any one of the computer terminal devices in the computer terminal group. Optionally, in the embodiment, the computer device can also be replaced by a terminal device such as a mobile terminal.

[0086] Optionally, in the embodiment, the computer terminal can be located in at least one of the network devices in the computer network.

[0087] In the embodiment, the computer device can execute program code for performing the following steps in the payment processing method of the application program: displaying a payment webpage, wherein the payment webpage comprises a payment method selection control; determining a target payment method in response to a selection operation on the payment method selection control; displaying a verification webpage corresponding to the target payment method, wherein a verification instruction input box is displayed in the verification webpage; receiving a payment verification instruction input in the verification instruction input box, and performing payment processing based on the payment verification instruction.

[0088] Figure 6 According to an embodiment of the application, an optional structure block diagram of a computer device is shown in FIG. 6. Figure 6 As shown in FIG. 6, the computer device can include one or more (only one is shown in the figure) processors 602, memory 604, etc.

[0089] The memory 604 can be used to store software programs and modules, such as program instructions / modules corresponding to the payment processing method and device in the embodiments of the present application. The processor 602 executes various functions and data processing by running the software programs and modules stored in the memory 604, that is, implements the payment processing method described above. The memory 604 can include a high-speed random access memory 604, and can also include a non-volatile memory 604, such as one or more magnetic storage devices, flash memories, or other non-volatile solid-state memories 604. In some examples, the memory 604 can further include a memory 604 remotely arranged with respect to the processor 602, which can be connected to the computer terminal through a network. Examples of the above-mentioned network include but are not limited to the Internet, an intranet, a local area network, a mobile communication network, and a combination thereof.

[0090] The processor 602 can call the information and application programs stored in the memory 604 through the transmission device to execute the following steps: displaying a payment webpage, wherein the payment webpage includes a payment method selection control; in response to a selection operation on the payment method selection control, determining a target payment method; displaying a verification webpage corresponding to the target payment method, wherein the verification webpage displays a verification instruction input box; receiving a payment verification instruction input in the verification instruction input box, and performing payment processing based on the payment verification instruction.

[0091] Optionally, the processor 602 can further execute the program code of the following steps: receiving a webpage payment link, wherein the webpage payment link carries account login page information and to-be-paid order information; displaying an account login webpage of a predetermined application based on the account login page information; in response to a login operation input on the account login webpage, displaying a payment webpage corresponding to the to-be-paid order information.

[0092] Optionally, the processor 602 can further execute the program code of the following steps: receiving a webpage payment link includes: obtaining the account login page information and the to-be-paid order information by scanning a two-dimensional code; generating a webpage payment link based on the account login page information and the to-be-paid order information.

[0093] Optionally, the processor 602 can further execute the program code of the following steps: receiving a webpage payment link includes: in the case that the terminal displays a first application interface when receiving a webpage payment link, receiving a webpage payment link shared by a second application.

[0094] Optionally, the processor 602 can further execute the program code of the following steps: the to-be-paid order information corresponding to the to-be-paid order is a price-changed order, wherein the price-changed order is an order in which the order amount of a target object is modified.

[0095] Optionally, the processor 602 can further execute program codes of the following steps: displaying the verification webpage corresponding to the target payment method, including: obtaining display content corresponding to the target payment method, wherein the display content includes to-be-paid order information and a verification instruction input box; and displaying the display content in a predetermined arrangement manner in the verification webpage.

[0096] Optionally, the processor 602 can further execute program codes of the following steps: the to-be-paid order information includes at least one of the following: payment amount information of a to-be-paid order corresponding to the to-be-paid order information; and delivery information of the to-be-paid order corresponding to the to-be-paid order information, wherein the delivery information includes: a selected delivery time and a predicted delivery time.

[0097] Optionally, the processor 602 can further execute program codes of the following steps: displaying the verification webpage corresponding to the target payment method, including: generating a verification webpage link based on the target payment method; and displaying the verification webpage corresponding to the target payment method based on the verification webpage link.

[0098] By adopting the embodiments of the present application, a payment processing scheme is provided. A payment webpage is displayed, wherein the payment webpage includes a payment method selection control, in response to a selection operation on the payment method selection control, a target payment method is determined, a verification webpage corresponding to the target payment method is displayed, the verification webpage displays a verification instruction input box, a payment verification instruction input in the verification instruction input box is received, and payment processing is performed based on the payment verification instruction. That is, without opening a payment application, a target payment method can be directly selected in the payment webpage, after the target payment method is selected, instead of jumping into a payment application corresponding to the target payment method, a payment verification instruction is input in a verification instruction input box corresponding to the verification webpage, and payment processing is performed based on the input payment verification instruction. Thus, electronic payment is realized based on a corresponding webpage, in the payment process, the start of a payment application and the jump between different payment applications are not involved, payment failure caused by abnormal start of a payment application does not occur, the waiting time of a user when jumping between different applications is saved, and the stability of payment and user experience are improved. The technical problem of low electronic payment efficiency in the related art is solved.

[0099] Those skilled in the art can understand that all or part of the steps in the above-mentioned various methods of the embodiments can be instructed by programs to terminal device related hardware, the programs can be stored in a computer readable storage medium, and the computer readable storage medium can include: a flash disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0100] The above-mentioned serial numbers of the embodiments of the present application are only for description, and do not represent the advantages and disadvantages of the embodiments.

[0101] In the above-mentioned embodiments of the present application, the description of each embodiment has its own focus, and the parts not described in detail in a certain embodiment can be referred to the relevant description of other embodiments.

[0102] In several embodiments provided in the present application, it should be understood that the disclosed technical contents can be implemented by other ways. Among them, the above-mentioned device embodiments are only schematic, for example, the division of units is only a logical function division, and actual implementation can have another division way, for example, a plurality of units or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the coupling or direct coupling or communication connection between the displayed or discussed units can be indirect coupling or communication connection through some interfaces, units or modules, which can be electrical or other forms.

[0103] The units described as separate components can or can not be physically separated, and the components shown as units can or can not be physical units, that is, they can be located in one place, or they can be distributed on a plurality of network units. Part or all of the units can be selected according to actual needs to achieve the purpose of the embodiment scheme.

[0104] In addition, each functional unit in each embodiment of the present application can be integrated in one processing unit, or each unit can exist physically, or two or more units can be integrated in one unit. The above integrated unit can be realized in the form of hardware or in the form of software functional unit.

[0105] If the integrated unit is realized in the form of software functional unit and sold or used as an independent product, it can be stored in a computer readable storage medium. Based on such understanding, the technical solutions of the present application or the essential part or all or part of the technical solutions that make contributions to the prior art can be embodied in the form of software product, which is stored in a computer readable storage medium, including a plurality of instructions for making a computer device (which can be a personal computer, a server or a network device, etc.) execute all or part of the steps of the embodiments of the present application. The above-mentioned computer readable storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, magnetic disk or optical disk and various program code storage media.

[0106] The above merely is the preferred embodiment of the present application, it should be pointed out that, for ordinary skilled in the art, without departing from the principles of the present application, can also make a number of improvements and refinements, these improvements and refinements should also be considered as the protection scope of the present application.

Claims

1. A payment processing method characterized by, The method comprises: displaying a payment webpage, wherein the payment webpage comprises a payment method selection control, the payment webpage is a webpage corresponding to to-be-paid order information displayed after login on an account login webpage of a predetermined application; in response to a selection operation on the payment method selection control, determining a target payment method from multiple payment methods in the payment webpage, wherein the target payment method is not a payment method supported by an Internet platform corresponding to the predetermined application, and different payment methods correspond to different Internet platforms; displaying a verification webpage corresponding to the target payment method, wherein a verification instruction input box is displayed in the verification webpage; receiving a payment verification instruction input in the verification instruction input box, and performing payment processing based on the payment verification instruction, so that payment amount information and order information paid by the target payment method are returned to the Internet platform corresponding to the predetermined application.

2. The method of claim 1, wherein, The method comprises: receiving a webpage payment link, wherein the webpage payment link carries account login page information and to-be-paid order information; based on the account login page information, displaying an account login webpage of a predetermined application; in response to a login operation input on the account login webpage, displaying a payment webpage corresponding to the to-be-paid order information.

3. The method of claim 2, wherein, The method comprises: obtaining the account login page information and the to-be-paid order information by scanning a two-dimensional code; based on the account login page information and the to-be-paid order information, generating the webpage payment link.

4. The method of claim 2, wherein, The method comprises: in a case where a first application interface is displayed on a terminal receiving the webpage payment link, receiving the webpage payment link shared by a second application.

5. The method of claim 2, wherein, The to-be-paid order information corresponds to a to-be-paid order, wherein the to-be-paid order is an order in which the order amount of a target object is modified.

6. The method of claim 2, wherein, The method comprises: obtaining display content corresponding to the target payment method, wherein the display content comprises the to-be-paid order information and the verification instruction input box; displaying the display content in the verification webpage in a predetermined arrangement.

7. The method of claim 6, wherein, The to-be-paid order information comprises at least one of: payment amount information of a to-be-paid order corresponding to the to-be-paid order information; delivery information of a to-be-paid order corresponding to the to-be-paid order information, wherein the delivery information comprises a selected delivery time and an estimated delivery time.

8. The method according to any one of claims 1 to 7, characterized in that, The method comprises: based on the target payment method, generating a verification webpage link; based on the verification webpage link, displaying the verification webpage corresponding to the target payment method.

9. A payment processing apparatus, characterized by, The method comprises: a first display module configured to display a payment webpage, wherein the payment webpage comprises a payment method selection control, the payment webpage is a webpage corresponding to to-be-paid order information displayed after login on an account login webpage of a predetermined application; The selection module is configured to determine a target payment method in a plurality of payment methods of a payment webpage in response to a selection operation on the payment method selection control, wherein the target payment method is not a payment method supported by an Internet platform corresponding to the predetermined application, and different payment methods correspond to different Internet platforms. The second display module is configured to display a verification webpage corresponding to the target payment method on the predetermined webpage, wherein the verification webpage displays a verification instruction input box. The receiving module is configured to receive a payment verification instruction input in the verification instruction input box, and perform payment processing based on the payment verification instruction, so that payment amount information and order information of payment through the target payment method are returned to the Internet platform corresponding to the predetermined application.

10. A computer-readable storage medium, characterized in that, The computer readable storage medium comprises a stored program, wherein the program controls the device where the computer readable storage medium is located to perform the payment processing method in any one of claims 1 to 8 when the program is running.

11. A computer device, comprising: Comprise: A memory and a processor, The memory stores a computer program; The processor is configured to execute the computer program stored in the memory, and the computer program makes the processor execute the payment processing method in any one of claims 1 to 8 when running.

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