Payment Method, System, Device, and Medium Based on a Trading Platform

Abstract

The present application provides a payment method, which can be used in the field of financial technology. The payment method includes: receiving a payment instruction sent by a trading platform; querying whether the payee merchant has a bound electronic transaction card according to the payment instruction; when it is queried that the payee merchant has a bound electronic transaction card, obtaining the electronic transaction card; obtaining a transaction order generated by the payment instruction and adding the transaction order to the matching list of the electronic transaction card; sequentially matching the payment information processed by the payment counterparty with all the payment instructions in the matching list; and when and only when the information elements of one transaction order are the same as those of the payment information, associating the transaction order with the payment information. In the payment method of the present application, the merchant can operate all relevant transaction orders under the card number of the same electronic transaction card, and the card number can be reused, reducing the consumption of the card number, reducing the possibility of operation errors, and facilitating the management of the electronic transaction card by the merchant.

Description

Technical Field

[0001] This application relates to the field of electronic payment technologies and can be used in the financial field. Specifically, it relates to a payment method, system, device, medium, and program product based on a trading platform. Background Art

[0002] On the premise of the rapid growth of business-to-business settlement services, financial institutions have launched an offline asynchronous payment mode. Currently, in this payment mode, an electronic card number needs to be generated for each payment order, and the order is bound to the card number one by one. Merchants need to send the card number to the corresponding customer according to the order to enable the paying customer to be automatically associated with the order after offline payment. However, as the number of customers and orders gradually increases, the number of electronic card numbers that merchants need to manage is also increasing. Since electronic card numbers have the characteristic of being disposable, they will be exhausted. A large number of electronic card numbers are not convenient for merchants to manage their own orders, and it may even cause payment errors due to sending the wrong electronic card number. Summary of the Invention

[0003] This application aims to solve at least one of the technical problems existing in the prior art.

[0004] For example, in the payment method provided by this application, merchants can conveniently manage the electronic card numbers related to their own orders, and at the same time reduce the consumption of electronic card numbers.

[0005] To achieve the above object, a first aspect of this application provides a payment method based on a trading platform, including:

[0006] Receiving a payment instruction sent by the trading platform, where the payment instruction includes information of the receiving merchant, information of the payment counterparty, and transaction information;

[0007] In response to the payment instruction, querying whether the receiving merchant has a bound electronic transaction card according to the information of the receiving merchant in the payment instruction;

[0008] When it is queried that the receiving merchant has a bound electronic transaction card, obtaining the electronic transaction card;

[0009] Obtaining a transaction order generated by the payment instruction and adding the transaction order to the matching list of the electronic transaction card;

[0010] Sequentially matching the information elements of the payment information processed by the payment counterparty with the information elements of all the transaction orders in the matching list, where the information elements are the information of the payment counterparty and the transaction information; and

[0011] When there is exactly one transaction order whose information elements are the same as the information elements of the payment information, associating the transaction order with the payment information.

[0012] According to the payment method of the present application, by binding the card number of the electronic transaction card to the merchant, the merchant can operate all relevant transaction orders under the same card number of the electronic transaction card. The card number can be reused, reducing the consumption of card numbers and the possibility of operation errors, and facilitating the management of the electronic transaction card by the merchant. At the same time, by putting the transaction orders into the matching list of the electronic transaction card for matching, each payment information can be corresponding to the transaction order, increasing the maintainable dimension of the transaction order.

[0013] Further, the method further includes:

[0014] When no bound electronic transaction card of the receiving merchant is found, automatically generate an electronic transaction card and bind it to the receiving merchant; and

[0015] Obtain the electronic transaction card.

[0016] Further, before sequentially matching the information elements of the payment information processed by the payment counterparty with the information elements of all the transaction orders in the matching list, the method further includes:

[0017] Obtain the card number of the electronic transaction card;

[0018] Send the card number of the electronic transaction card to the payment counterparty according to the information of the payment counterparty; and

[0019] Receive the payment information processed by the payment counterparty.

[0020] Further, the method further includes:

[0021] After adding the transaction order to the matching list of the electronic transaction card, mark the transaction order as an unfinished state; and

[0022] After the transaction order is associated with the payment information, mark the transaction order as a completed state.

[0023] Further, the method further includes:

[0024] When all the information elements of the transaction orders in the matching list of the electronic transaction card are not the same as the information elements of the payment information, push the payment information to the transaction platform; and

[0025] According to the information feedback of the transaction platform, associate the transaction orders related to the payment information in the matching list of the electronic transaction card.

[0026] Further, the information elements of the payment information processed by the payment counterparty are sequentially matched with the information elements of all the transaction orders in the matching list, including:

[0027] Obtain all the transaction orders marked as incomplete in the matching list of the electronic transaction card; and

[0028] Match the main elements of the payment information with the main elements of all the transaction orders marked as incomplete, where the main elements include the transaction amount and the payment counterparty information in the transaction information.

[0029] Further, the sequential matching of the information elements of the payment information processed by the payment counterparty with the information elements of all the transaction orders in the matching list further includes:

[0030] When the main elements of multiple transaction orders marked as incomplete are the same as the main elements of the payment information, match the secondary elements of the multiple transaction orders marked as incomplete with the secondary elements of the payment information, where the secondary elements include the transaction remarks in the transaction information and the transaction time in the transaction information.

[0031] Further, the method further includes:

[0032] After the transaction order is changed from the incomplete state to the complete state, push the associated success information to the transaction platform.

[0033] A second aspect of the present application provides a payment system, including: a receiving module for receiving a payment instruction sent by a transaction platform, where the payment instruction includes information of a receiving merchant, information of a payment counterparty, and transaction information; a query module for querying, in response to the payment instruction, whether the receiving merchant has a bound electronic transaction card according to the information of the receiving merchant in the payment instruction; an obtaining module for obtaining the electronic transaction card when it is queried that the receiving merchant has a bound electronic transaction card; an adding module for obtaining a transaction order generated by the payment instruction and adding the transaction order to the matching list of the electronic transaction card; a matching module for sequentially matching the information elements of the payment information processed by the payment counterparty with the information elements of all the transaction orders in the matching list, where the information elements are the information of the payment counterparty and the transaction information; and a processing module for associating the transaction order with the payment information when there is exactly one transaction order whose information elements are the same as the information elements of the payment information.

[0034] A third aspect of the present application provides an electronic device, including: one or more processors; a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors are caused to execute the above payment method.

[0035] A fourth aspect of the present application further provides a computer-readable storage medium, on which executable instructions are stored, and when the instructions are executed by a processor, the processor is caused to execute the above payment method.

[0036] A fifth aspect of the present application further provides a computer program product, including a computer program, and when the computer program is executed by a processor, the above payment method is implemented. BRIEF DESCRIPTION OF THE DRAWINGS

[0037] Through the following description of the embodiments of the present application with reference to the drawings, the above content and other objects, features and advantages of the present application will become clearer. In the drawings:

[0038] Figure 1 Schematically shows an application scenario diagram of the interaction among a trading platform, a bank server and a customer counterparty according to an embodiment of the present application;

[0039] Figure 2 Schematically shows a flowchart of the payment method according to an embodiment of the present application;

[0040] Figure 3 Schematically shows a flowchart of the operation of the bank server on the payment counterparty according to an embodiment of the present application;

[0041] Figure 4 Schematically shows a flowchart of the matching of payment information and a transaction order according to an embodiment of the present application;

[0042] Figure 5 Schematically shows a public-to-public transaction flowchart of the interaction among a receiving merchant, a bank server and a payment counterparty according to an embodiment of the present application;

[0043] Figure 6 Schematically shows a structural block diagram of a payment system according to an embodiment of the present application; and

[0044] Figure 7 Schematically shows a block diagram of an electronic device suitable for implementing the payment method according to an embodiment of the present application. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0045] Hereinafter, embodiments of the present application will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are merely exemplary and are not intended to limit the scope of the present application. In the following detailed description, for the sake of explanation, numerous specific details are set forth in order to provide a comprehensive understanding of the embodiments of the present application. However, it is obvious that one or more embodiments can also be implemented without these specific details. In addition, in the following description, descriptions of well-known structures and technologies are omitted to avoid unnecessarily confusing the concepts of the present application.

[0046] The terms used herein are merely for the purpose of describing specific embodiments and are not intended to limit the present application. The terms "including", "comprising", etc. used herein indicate the presence of the described features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.

[0047] All terms used herein (including technical and scientific terms) have the meanings commonly understood by those of ordinary skill in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification and should not be interpreted in an idealized or overly rigid manner.

[0048] In the case of using expressions such as "at least one of A, B, and C, etc.", generally, it should be interpreted according to the meaning commonly understood by those of ordinary skill in the art (for example, "a system having at least one of A, B, and C" should include, but is not limited to, a system having only A, only B, only C, having A and B, having A and C, having B and C, and / or having A, B, and C, etc.).

[0049] With the liberalization of the regulatory policies for corporate online payments, the corporate settlement business has grown rapidly. Combining with the current common demand for online payment and settlement using various trading platforms, customers have increasingly higher requirements for payment convenience. Currently, under the requirement of separating corporate finance and procurement, financial institutions have launched an offline asynchronous payment mode. In this payment mode, an electronic card number needs to be generated for each payment order, and the order is bound to the card number one by one. Merchants need to send the card number to the corresponding customers according to the order to enable automatic association of the order after the paying customer makes an offline payment. However, as the number of customers and orders gradually increases, the number of electronic card numbers that merchants need to manage also increases. Since the electronic card numbers have the characteristic of being disposable, they will be exhausted. A large number of electronic card numbers are not convenient for merchants to manage their own orders, and even payment errors may occur due to incorrect card numbers being given.

[0050] In an embodiment of the present application, a payment method based on a trading platform is provided, which can realize a one-to-many binding relationship between a transaction order and an electronic trading card. A merchant can reuse the same electronic trading card to initiate a transaction to a customer. The customer can transfer money to the electronic trading card offline or online. Then, after matching with the payment information paid by the customer through the initiated transaction order, verification and association of each transaction order are achieved. Thus, even when the electronic trading card is reused, the corresponding relationship between the transaction order and the payment information can be realized, reducing the consumption of electronic trading card numbers while reducing the possibility of merchant misoperation.

[0051] Figure 1 A schematic application scenario diagram of the interaction among a trading platform, a bank server, and a customer opponent according to an embodiment of the present application is shown.

[0052] As Figure 1 shown, the application scenario 100 according to this embodiment may include: various devices used by a merchant to initiate a transaction order on a trading platform through a network, a bank server device that can complete the payment operation process for transactions between the merchant and the customer as an intermediary, and a device used by the customer to receive payment information content through a network or a signal.

[0053] Network 111 is a medium for providing a communication link between trading platform devices 101, 102, 103 and bank server 121, and network 112 is a medium for providing a communication link between payment information receiving device 131 and bank server 121. Networks 111 and 112 may include various connection types, such as wired, wireless communication links, or fiber optic cables, etc. Additionally, since the interaction between trading platform devices 101, 102, 103 and bank server 121 can only rely on the network, and due to the factor that payment information receiving device 131 and bank server 121 can receive information through a signal, the signal between payment information receiving device 131 and bank server 121 may also be signal 113, such as 3G, 4G, 5G.

[0054] As Figure 1 shown, a merchant can use trading platform devices 101, 102, 103 to interact with server 121 through network 111 to send payment instructions or receive match success messages, etc. Various communication client applications can be installed on trading platform devices 101, 102, 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software (only as examples).

[0055] Trading platform devices 101, 102, 103 can be various electronic devices with a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, and desktop computers.

[0056] The bank server 121 can be a server that provides various services. For example, it can be a background management server (only for illustration) that supports the websites browsed by merchants using the trading platform devices 101, 102, and 103. The background management server can analyze and process data such as merchant requests received, and feedback the processing results (such as web pages, information, or data obtained or generated according to user requests) to the trading platform device or the payment information receiving device.

[0057] The payment information receiving device 131 is equipped with a signal receiving device and a signal sending device. Through the payment information receiving device 131, a customer can receive the electronic transaction card number and order information sent by the bank server 121. The customer can directly remit money or transfer funds into the specified electronic transaction card on the payment information receiving device 131, and then confirm the completed transaction; or the customer can also remit money or transfer funds into the specified electronic transaction card at an offline transaction point (such as a bank counter), and then obtain the payment success confirmation information through the payment information receiving device 131.

[0058] The payment information receiving device 131 can be various electronic devices with a display screen and supporting signal reception and transmission, such as a smart phone.

[0059] It should be noted that the payment method provided in the embodiments of the present application can generally be executed by the bank server 121. Correspondingly, the payment system provided in the embodiments of the present application can generally be set in the bank server 121. The payment method provided in the embodiments of the present application can also be executed by a server or a server cluster different from the bank server 121 and capable of communicating with the trading platform devices 101, 102, 103 and / or the server 121. Correspondingly, the payment system provided in the embodiments of the present application can also be set in a server or a server cluster different from the bank server 121 and capable of communicating with the trading platform devices 101, 102, 103 and / or the bank server 121.

[0060] It should be understood that Figure 1 the numbers of the trading platform devices, the network, the bank server, and the payment information receiving device in

[0061] are merely illustrative. According to the implementation requirements, there can be any number of trading platform devices, network, bank server, and payment information receiving device. Figure 1 The following will be based on Figures 2 to 3 the described scenario, and will describe in detail the payment method of the application embodiments through

[0062] It should be noted that the payment method and payment system based on the trading platform of the present application can be used for corporate-to-corporate transfer and trading services in the financial field, and can also be used in any field other than the financial field. The present application does not limit the application field. In addition, in the technical solution of the present application, the acquisition and application of merchant information and the acquisition and application of payment counterparty information comply with the provisions of relevant laws and regulations, adopt necessary confidentiality measures, and do not violate public order and good customs.

[0063] Figure 2 Schematically shows a flowchart of a payment method according to an embodiment of the present application.

[0064] As Figure 2 shown, this embodiment includes operations S210 to S260.

[0065] In operation S210, receive a payment instruction sent by the trading platform. The payment instruction includes information of the receiving merchant, information of the payment counterparty, and transaction information.

[0066] The receiving merchant fills in information elements such as the name of the payment counterparty, the phone number of the payment counterparty, the order transaction number, and the payable amount on the trading platform and sends them to the bank server. Information elements such as the name of the payment counterparty, the order transaction number, the payable amount, and the personal information logged in by the receiving merchant when sending on the trading platform will all be integrated by the trading platform to generate a payment instruction and send it to the bank server.

[0067] Among them, the information of the payment counterparty refers to information related to the payment counterparty, such as the name of the payment counterparty and the phone number of the payment counterparty; the transaction information refers to information related to the transaction, such as the order transaction number, the payable amount, and the transaction remarks; the information of the receiving merchant refers to information related to the receiving merchant, such as the name of the receiving merchant.

[0068] It should be noted that when generating the payment instruction, the transaction time will also be generated according to the current time, and the transaction time is also used as an information element in the payment instruction.

[0069] In operation S220, in response to the payment instruction, query whether the receiving merchant has a bound electronic transaction card according to the information of the receiving merchant in the payment instruction.

[0070] In order to save the card number of the electronic transaction card, a form is adopted in which only one electronic transaction card corresponds to one receiving merchant, so that the electronic transaction card can be reused. Therefore, before use, it is necessary to first query according to the information of the receiving merchant whether there is already an electronic transaction card.

[0071] After the query, if it exists, operation S230 is executed; if not, an electronic transaction card is generated. Since the process of generating the electronic transaction card is not an essential process in the process, the generation process is placed later for explanation.

[0072] In this operation, since transactions are carried out only through one electronic transaction card, the steps for the receiving merchant to query the information of the payment counterparty, the transaction order corresponding to the payment counterparty, and the card number of the electronic transaction card corresponding to the transaction order are reduced, which relieves the pressure on the receiving merchant. At the same time, the probability of errors in the query process is also reduced, and the probability of property losses and troubles is decreased.

[0073] In operation S230, when it is queried that the receiving merchant has a bound electronic transaction card, the electronic transaction card is obtained.

[0074] In operation S240, the transaction order generated by the payment instruction is obtained, and the transaction order is added to the matching list of the electronic transaction card.

[0075] This application conducts the maintenance and management of transaction orders from the perspective of the receiving merchant. The transaction order generated by the payment instruction is put into the matching list of the electronic transaction card, and the transaction order is matched with the payment information processed by the payment counterparty to form a transaction closed-loop.

[0076] In operation S250, the information elements of the payment information processed by the payment counterparty are sequentially matched with the information elements of all the transaction orders in the matching list, where the information elements are the information of the payment counterparty and the transaction information.

[0077] There are various information elements in the transaction order, and there are also various information elements in the payment information processed by the payment counterparty correspondingly. The transaction order is generated by the payment instruction, and the payment information is the voucher after the payment counterparty remits or transfers money to the electronic transaction card. Therefore, when the information elements in the transaction order are the same as those in the payment information, it indicates that the transaction order has been paid, and a transaction closed-loop can be formed.

[0078] Since the receiving merchant operates only through one electronic transaction card, there will be multiple transaction orders in the matching list of the electronic transaction card. Among the multiple transaction orders, there are transaction orders that have formed a transaction closed-loop and those that have not.

[0079] In one embodiment, the payment information can be sequentially matched with all the transaction orders in the matching list in units of the matching list.

[0080] In another embodiment, in order to speed up the matching rate and save unnecessary resource occupancy, each transaction order in the matching list can be marked, and only the transaction orders that have not formed a transaction closed-loop are matched.

[0081] Therefore, after adding a transaction order to the matching list of the electronic transaction card, mark the transaction order as incomplete; after the transaction order is associated with payment information, mark the transaction order as completed.

[0082] Match the payment information with all the incomplete transaction orders in the matching list in sequence, which speeds up the verification rate and promotes the status conversion of the incomplete transaction orders.

[0083] In operation S260, when there is exactly one transaction order whose information elements are the same as those of the payment information, associate the transaction order with the payment information.

[0084] The transaction order and the payment information should correspond one by one to form a transaction loop. After the transaction order is matched with the payment information in the matching list, when there is exactly one transaction order whose information elements are the same as those of the payment information, it can be determined that the payment information generated by the processing of the payment counterparty is based on the relevant transaction order, so the transaction order and the payment information can be associated to form a transaction loop.

[0085] According to the payment method of the present application, by binding the card number of the electronic transaction card to the merchant, the merchant can operate all relevant transaction orders under the same card number of the electronic transaction card. The card number can be reused, which reduces the consumption of the card number, reduces the possibility of operation errors, and facilitates the merchant's management of the electronic transaction card; at the same time, by putting the transaction order into the matching list of the electronic transaction card for matching, each payment information can be corresponding to the transaction order, increasing the maintainable dimension of the transaction order.

[0086] According to an embodiment of the present application, the method further includes:

[0087] When no bound electronic transaction card of the receiving merchant is queried, automatically generate an electronic transaction card and bind it to the receiving merchant, and obtain the electronic transaction card after binding.

[0088] Since all processes of the present application are operations within an electronic transaction card in terms of the receiving merchant, when it is queried that there is no bound electronic transaction card under the name of the receiving merchant, the bank server will automatically generate a new electronic transaction card under the name of the receiving merchant, and then after obtaining the new electronic transaction card, complete operations S240 - S260.

[0089] As a supplement to the payment method of the present application, the execution steps of the bank server for the operations of the payment counterparty can be as follows.

[0090] Figure 3 Schematically shows a flowchart of the bank server's operations on the payment counterparty according to an embodiment of the present application.

[0091] As Figure 3 shown, this embodiment includes operations S310 to S330.

[0092] Before sequentially matching the information elements of the payment information to be processed by the payment counterparty with the information elements of all the transaction orders in the matching list, the method further includes:

[0093] Operation S310, obtaining the card number of the electronic transaction card.

[0094] After querying the bound electronic transaction card under the name of the receiving merchant, while obtaining the electronic transaction card, the card number of the electronic transaction card can also be obtained.

[0095] Operation S320, sending the card number of the electronic transaction card to the payment counterparty according to the information of the payment counterparty.

[0096] The bank server can retrieve the mobile phone number or account name of the payment counterparty from the information of the payment counterparty, and then notify the payment counterparty in the form of a network or communication signal. For example, it can be sent to the mobile phone of the payment counterparty in the form of a text message through a 4G signal. The content of the text message can include information about the receiving merchant, transaction information, and the card number of the remittable electronic transaction card, etc.

[0097] Operation S330, receiving the payment information processed by the payment counterparty.

[0098] After receiving the text message, the payment counterparty processes the content in the text message within the specified time. For example, the payment counterparty remits money to the card number of the electronic transaction card according to the transaction amount in the transaction information in the text message and annotates the remittance amount.

[0099] Of course, due to the uncertainty of the payment information processed by the payment counterparty, the payment counterparty may make mistakes in the remittance. Considering this aspect in the matching process of the present application, that is, after operation S250, it is possible that none of the transaction orders can match the payment information processed by the payment counterparty. In this case, it can be solved in the following ways:

[0100] When all the information elements of the transaction orders in the matching list of the electronic transaction card are not the same as the information elements of the payment information, push the payment information to the trading platform. According to the information feedback of the trading platform, associate the transaction orders related to the payment information in the matching list of the electronic transaction card.

[0101] It can be understood that when the payment information does not match any transaction order in the matching list, the bank server pushes this payment information to the trading platform for manual verification by the receiving merchant. After the receiving merchant checks the payment information and the unfinished transaction orders, the receiving merchant can select one or several of the unfinished transaction orders for transaction closed-loop processing and send the processing result to the bank server through the trading platform. According to the information feedback from the trading platform, the bank server performs closed-loop processing after associating the transaction orders that need to be closed-loop selected by the receiving merchant with the payment information.

[0102] The failure to match any transaction order may be due to mistakes of the payment counterparty or a decision made after negotiation with the receiving merchant. For example, the payment counterparty combines the amounts of multiple transaction orders and makes a single transfer to pay for multiple transaction orders, resulting in failure to match. Another example is that after negotiation with the merchant, a transaction order is paid in installments, thus generating multiple payment information and resulting in failure to match. In the above examples, after the receiving merchant conducts manual verification and proofreading, the receiving merchant needs to notify the bank server to close the processing of multiple transaction orders corresponding to one payment or one transaction order corresponding to multiple payment information.

[0103] By adding this step, the payment scheme can be made more user-friendly, and the completeness of all transaction details in the electronic transaction card can be guaranteed, which is beneficial to later verification and invoice processing.

[0104] Figure 4 The flowchart of the matching between payment information and transaction orders according to the embodiment of the present application is schematically shown.

[0105] As Figure 4 shown, this embodiment includes operation S410 to operation S430.

[0106] In operation S410, all transaction orders marked as unfinished status in the matching list of the electronic transaction card are obtained.

[0107] In operation S420, the main elements of the payment information are matched with the main elements of all transaction orders marked as unfinished status, where the main elements include the transaction amount and the payment counterparty information in the transaction information.

[0108] In operation S430, when the main elements of multiple transaction orders marked as unfinished status are the same as the main elements of the payment information, the secondary elements of the multiple transaction orders marked as unfinished status are matched with the secondary elements of the payment information, where the secondary elements include the transaction remarks and the transaction time in the transaction information.

[0109] The information elements in operation S250 are mainly divided into main elements and secondary elements. The main elements can be used as main information features to distinguish most transaction orders. For example, the main elements include the transaction amount and information about the payment counterparty. The secondary elements can be used as secondary information features to supplement what cannot be distinguished by the main elements. For example, the secondary elements include the transaction order and the transaction time. It can also be understood that the main elements are the objects that must be matched, and the secondary elements are the objects that can be optionally matched.

[0110] That is to say, when the payment information and the related transaction order cannot be distinguished only based on the main elements, they can be further distinguished by the secondary elements. During the matching operation, the main elements in the transaction order can be matched first, and then the secondary elements can be matched.

[0111] According to an embodiment of the present application, the payment method further includes: after the transaction order changes from the unfinished state to the completed state, pushing the associated success information to the transaction platform.

[0112] It can be understood that when the payment information is matched with the relevant transaction order, a transaction closed-loop is formed, and the associated success information is pushed to the transaction platform; when the payment information is not matched with the relevant transaction order, the failure information and the payment information are simultaneously pushed to the transaction platform, and the transaction closed-loop is formed through manual verification by the receiving merchant, and the associated success information is pushed to the transaction platform after the operation of the bank server.

[0113] In this operation, the push of the associated success information is beneficial for the receiving merchant to timely learn about the situation of the order transaction and timely manage the transaction order.

[0114] Figure 5 is combined Figure 1 The figure schematically shows a public-to-public transaction flow chart of the interaction among the receiving merchant, the bank server, and the payment counterparty according to the embodiment of the present application in the application scenario.

[0115] In operation S501, the receiving merchant initiates a payment instruction on the transaction platform.

[0116] In operation S502, the bank server receives the payment instruction sent by the transaction platform.

[0117] In operation S503, according to the information of the receiving merchant in the payment instruction, it is judged whether the receiving merchant has a bound electronic transaction card.

[0118] In operation S504, when there is a bound electronic transaction card under the name of the receiving merchant, obtain the electronic transaction card and the card number of the electronic transaction card.

[0119] In operation S505, according to the information of the payment counterparty, send the card number of the electronic transaction card to the payment counterparty.

[0120] In operation S506, the paying counterparty remits or transfers funds to the electronic transaction card according to the card number of the electronic transaction card.

[0121] In operation S507, the bank server receives the payment information processed by the paying counterparty.

[0122] In operation S508, when there is no bound electronic transaction card under the name of the receiving merchant, an electronic transaction card is automatically generated and bound to the receiving merchant.

[0123] It should be noted that operation S508 and operation S503 are alternative operations, and operation S504 is executed after operation S508.

[0124] In operation S509, the transaction order generated by the payment instruction is obtained and added to the matching list of the electronic transaction card.

[0125] It should be noted that operation S509 and operations S505 - S507 are parallel execution scenarios, and there is no order of execution.

[0126] In operation S510, the main elements of the payment information are sequentially matched with the main elements of all the transaction orders in the matching list.

[0127] In operation S511, it is judged whether there is payment information that matches the transaction order.

[0128] In operation S512, when there is payment information that matches the transaction order, it is judged whether only the main elements of one transaction order are the same as the main elements of the payment information.

[0129] When only the main elements of one transaction order are the same as the main elements of the payment information, operation S517 is executed.

[0130] In operation S513, when there is no payment information that matches the transaction order, the payment information is pushed to the trading platform.

[0131] In operation S514, the receiving merchant conducts manual verification on the trading platform and then feeds back the verification information to the bank server.

[0132] In operation S515, when the main elements of multiple transaction orders are the same as the main elements of the payment information, the secondary elements in the transaction orders with the same main elements are matched with the secondary elements of the payment information.

[0133] In operation S516, it is judged whether only the secondary elements of one transaction order are the same as the secondary elements of the payment information.

[0134] When only the secondary elements of a transaction order are the same as those of the payment information, operation S517 is executed.

[0135] When the secondary elements of the transaction order and the secondary elements of the payment information are not the same, operation S513 is executed.

[0136] In operation S517, the bank server associates the transaction order related to the payment information within the matching list of the electronic transaction card according to the information feedback.

[0137] Based on the above payment method, the present application also provides a payment system. The following will be combined with Figure 6 to describe the device in detail.

[0138] Figure 6 A structural block diagram of a payment system according to an embodiment of the present application is schematically shown.

[0139] As Figure 6 shown, the payment system 600 of this embodiment includes: a receiving module 610, a query module 620, an obtaining module 630, an adding module 640, a matching module 650, and a processing module 660.

[0140] The receiving module 610 is used to: receive a payment instruction sent by a trading platform, and the payment instruction includes information of a receiving merchant, information of a payment counterparty, and transaction information. In one embodiment, the receiving module 610 can be used to execute operation S210 described above, which will not be elaborated here.

[0141] The query module 620 is used to: in response to the payment instruction, query whether the receiving merchant has a bound electronic transaction card according to the information of the receiving merchant in the payment instruction. In one embodiment, the query module 620 can be used to execute operation S220 described above, which will not be elaborated here.

[0142] The obtaining module 630 is used to: when it is queried that the receiving merchant has a bound electronic transaction card, obtain the electronic transaction card. In one embodiment, the obtaining module 630 can be used to execute operation S230 described above, which will not be elaborated here.

[0143] The adding module 640 is used to: obtain a transaction order generated by the payment instruction, and add the transaction order to the matching list of the electronic transaction card. In one embodiment, the adding module 640 can be used to execute operation S240 described above, which will not be elaborated here.

[0144] The matching module 650 is configured to: sequentially match the information elements of the payment information processed by the payment counterparty with the information elements of all the transaction orders in the matching list, where the information elements are the information of the payment counterparty and the transaction information. In one embodiment, the matching module 650 may be configured to perform the operation S250 described above, which will not be elaborated herein.

[0145] The processing module 660 is configured to: when there is exactly one transaction order whose information elements are the same as those of the payment information, associate the transaction order with the payment information. In one embodiment, the processing module 660 may be configured to perform the operation S260 described above, which will not be elaborated herein.

[0146] According to the payment system in the embodiments of the present application, the above payment method can be executed. By binding the card number of the electronic transaction card to the merchant, the merchant can operate all relevant transaction orders under the same card number of the electronic transaction card. The card number can be reused, reducing the consumption of the card number and the possibility of operation errors, and facilitating the merchant's management of the electronic transaction card. At the same time, by matching the transaction orders in the matching list of the electronic transaction card, each payment information can be corresponding to the transaction order, increasing the maintainable dimension of the transaction order.

[0147] According to the embodiments of the present application, any multiple of the receiving module 610, the query module 620, the obtaining module 630, the adding module 640, the matching module 650, and the processing module 660 may be combined and implemented in one module, or any one of them may be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules may be combined with at least part of the functions of other modules and implemented in one module. According to the embodiments of the present application, at least one of the receiving module 610, the query module 620, the obtaining module 630, the adding module 640, the matching module 650, and the processing module 660 may be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on chip, a system on substrate, a system on package, an application specific integrated circuit (ASIC), or may be implemented by any other reasonable means such as integrating or packaging the circuit, etc., in hardware or firmware, or implemented in any one of the three implementation manners of software, hardware, and firmware, or in an appropriate combination of any several of them. Alternatively, at least one of the receiving module 610, the query module 620, the obtaining module 630, the adding module 640, the matching module 650, and the processing module 660 may be at least partially implemented as a computer program module, and when the computer program module is run, the corresponding functions may be executed.

[0148] Figure 7A block diagram of an electronic device suitable for implementing a payment method according to an embodiment of the present application is schematically shown.

[0149] As Figure 7 shown, the electronic device 700 according to an embodiment of the present application includes a processor 701, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 702 or a program loaded from a storage section 708 into a random access memory (RAM) 703. The processor 701 may include, for example, a general-purpose microprocessor (e.g., CPU), an instruction set processor, and / or a related chipset, and / or a dedicated microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 701 may also include on-board memory for caching purposes. The processor 701 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present application.

[0150] In the RAM 703, various programs and data required for the operation of the electronic device 700 are stored. The processor 701, the ROM 702, and the RAM 703 are connected to each other via a bus 704. The processor 701 performs various operations of the method flow according to an embodiment of the present application by executing the programs in the ROM 702 and / or the RAM 703. It should be noted that the programs may also be stored in one or more memories other than the ROM 702 and the RAM 703. The processor 701 may also perform various operations of the method flow according to an embodiment of the present application by executing the programs stored in the one or more memories.

[0151] According to an embodiment of the present application, the electronic device 700 may further include an input / output (I / O) interface 705, and the input / output (I / O) interface 705 is also connected to the bus 704. The electronic device 700 may further include one or more of the following components connected to the I / O interface 705: an input section 706 including a keyboard, a mouse, etc.; an output section 707 including, for example, a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 708 including a hard disk, etc.; and a communication section 709 including a network interface card such as a LAN card, a modem, etc. The communication section 709 performs communication processing via a network such as the Internet. A drive 710 is also connected to the I / O interface 705 as needed. A removable medium 711, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 710 as needed so that a computer program read from it can be installed into the storage section 708 as needed.

[0152] The present application also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist alone without being assembled into the device / apparatus / system. The above computer-readable storage medium stores one or more programs, and when the one or more programs are executed, the methods according to the embodiments of the present application are implemented.

[0153] According to an embodiment of the present application, the computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, it may include but is not limited to: portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the above. In the present application, the computer-readable storage medium may be any tangible medium that contains or stores a program, and the program can be used by or combined with an instruction execution system, apparatus, or device. For example, according to an embodiment of the present application, the computer-readable storage medium may include the above-described ROM 702 and / or RAM 703 and / or one or more memories other than ROM 702 and RAM 703.

[0154] An embodiment of the present application also includes a computer program product, which includes a computer program, and the computer program includes program codes for executing the methods shown in the flowcharts. When the computer program product runs in a computer system, the program codes are used to cause the computer system to implement the methods provided in the embodiments of the present application.

[0155] When the computer program is executed by the processor 701, the above functions defined in the system / apparatus of the embodiments of the present application are executed. According to an embodiment of the present application, the above-described systems, apparatuses, modules, units, etc. may be implemented by computer program modules.

[0156] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices and magnetic storage devices. In another embodiment, the computer program may also be transmitted and distributed in the form of signals on a network medium, and be downloaded and installed through the communication part 709, and / or be installed from the removable medium 711. The program codes included in the computer program may be transmitted by any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0157] In such an embodiment, the computer program can be downloaded and installed from a network through the communication part 709, and / or installed from the removable medium 711. When the computer program is executed by the processor 701, the above functions defined in the system of the embodiments of the present application are performed. According to the embodiments of the present application, the systems, devices, apparatuses, modules, units, etc. described above can be implemented by computer program modules.

[0158] According to the embodiments of the present application, the program code for executing the computer program provided in the embodiments of the present application can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level procedures and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages include, but are not limited to, such as Java, C++, Python, the "C" language, or similar programming languages. The program code can be executed on the user computing device, partially on the user device, partially on a remote computing device, or on a remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, by connecting through the Internet using an Internet service provider).

[0159] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architectures, functions, and operations of the systems, methods, and computer program products according to various embodiments of the present application. In this regard, each block in the flowchart or block diagram can represent a module, a program segment, or a part of the code, and the above module, program segment, or part of the code contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the blocks may occur in a different order than marked in the accompanying drawings. For example, two consecutive blocks shown may actually be executed substantially in parallel, and they may sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in the block diagram or flowchart, and the combination of blocks in the block diagram or flowchart, can be implemented by a dedicated hardware-based system for performing the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0160] Those skilled in the art can understand that the features recited in the various embodiments and / or claims of the present application can be combined or combined in various ways, even if such combinations or combinations are not explicitly recited in the present application. In particular, without departing from the spirit and teachings of the present application, the features recited in the various embodiments and / or claims of the present application can be combined and combined in various ways. All such combinations and / or combinations fall within the scope of the present application.

[0161] In the description of this specification, the description referring to terms such as "one embodiment", "some embodiments", "instances", "specific examples", or "some examples", etc. means that the specific features, structures, materials, or characteristics described in connection with the embodiment or example are included in at least one embodiment or example of this application. In this specification, the schematic representations of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials, or characteristics described can be combined in a suitable manner in any one or more embodiments or examples.

[0162] The embodiments of this application have been described above. However, these embodiments are only for illustrative purposes and not for limiting the scope of this application. Although the embodiments have been described separately above, this does not mean that the measures in each embodiment cannot be used advantageously in combination. The scope of this application is defined by the appended claims and their equivalents. Without departing from the scope of this application, those skilled in the art can make various substitutions and modifications, and these substitutions and modifications should all fall within the scope of this application.

Claims

1. A payment method based on a trading platform, characterized in that, It includes the following steps: Receive a payment instruction sent by a trading platform, where the payment instruction includes information of the receiving merchant, information of the payment counterparty, and transaction information; In response to the payment instruction, query whether the receiving merchant has a bound electronic transaction card according to the information of the receiving merchant in the payment instruction; When it is queried that the receiving merchant has a bound electronic transaction card, obtain the electronic transaction card; Obtain a transaction order generated by the payment instruction and add the transaction order to the matching list of the electronic transaction card; Match the information elements of the payment information processed by the payment counterparty with the information elements of all the transaction orders in the matching list in sequence, where the information elements are the information of the payment counterparty and the transaction information; And When and only when the information elements of one transaction order are the same as the information elements of the payment information, associate the transaction order with the payment information.

2. The payment method according to claim 1, characterized in that The method further includes: When it is not queried that the receiving merchant has a bound electronic transaction card, automatically generate an electronic transaction card and bind it to the receiving merchant; and Obtain the electronic transaction card.

3. The payment method according to claim 1 or 2, characterized in that, Before matching the information elements of the payment information processed by the payment counterparty with the information elements of all the transaction orders in the matching list in sequence, the method further includes: Obtain the card number of the electronic transaction card; Send the card number of the electronic transaction card to the payment counterparty according to the information of the payment counterparty; and Receive the payment information processed by the payment counterparty.

4. The payment method according to claim 1, wherein The method further includes: After the transaction order is added to the matching list of the electronic transaction card, mark the transaction order as an unfinished state; and After the transaction order is associated with the payment information, mark the transaction order as a completed state.

5. The payment method according to claim 1, characterized in that, The method further includes: When the information elements of all the transaction orders in the matching list of the electronic transaction card are not the same as the information elements of the payment information, push the payment information to the trading platform; and According to the information feedback of the trading platform, associate the transaction orders related to the payment information in the matching list of the electronic transaction card.

6. The payment method according to claim 4, characterized in that Matching the information elements of the payment information processed by the payment counterparty with the information elements of all the transaction orders in the matching list in sequence includes: Obtain all the transaction orders marked as unfinished states in the matching list of the electronic transaction card; and Match the main elements of the payment information with the main elements of all the transaction orders marked as unfinished states, where the main elements include the transaction amount in the transaction information and the information of the payment counterparty.

7. The payment method according to claim 6, wherein Matching the information elements of the payment information processed by the payment counterparty with the information elements of all the transaction orders in the matching list in sequence further includes: When the main elements of multiple transaction orders marked as unfinished states are the same as the main elements of the payment information, match the secondary elements of the multiple transaction orders marked as unfinished states with the secondary elements of the payment information. Among them, the secondary elements include the transaction remarks in the transaction information and the transaction time in the transaction information.

8. The payment method according to claim 7, wherein The method further includes: After the transaction order changes from the unfinished state to the completed state, pushing the associated success information to the transaction platform.

9. A payment system, characterized in that, It includes: A receiving module, which is used to: receive the payment instruction sent by the transaction platform, and the payment instruction includes the information of the receiving merchant, the information of the payment counterparty, and the transaction information; A query module, which is used to: in response to the payment instruction, query whether the receiving merchant has a bound electronic transaction card according to the information of the receiving merchant in the payment instruction; An obtaining module, which is used to: when it is queried that the receiving merchant has a bound electronic transaction card, obtain the electronic transaction card; An adding module, which is used to: obtain the transaction order generated by the payment instruction, and add the transaction order to the matching list of the electronic transaction card; A matching module, which is used to: sequentially match the information elements of the payment information processed by the payment counterparty with the information elements of all the transaction orders in the matching list, where the information elements are the information of the payment counterparty and the transaction information; And A processing module, which is used to: when and only when the information elements of one transaction order are the same as the information elements of the payment information, associate the transaction order with the payment information.

10. An electronic device, including: One or more processors; A storage device for storing one or more programs, wherein, when the one or more programs are executed by the one or more processors, the one or more processors are caused to execute the method according to any one of claims 1 to 8.

11. A computer-readable storage medium, on which executable instructions are stored, and when the instructions are executed by a processor, the processor is caused to execute the method according to any one of claims 1 to 8.

12. A computer program product, including a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 8 is implemented.

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