Payment method, device, equipment and storage medium

Abstract

The payment method, device, equipment and storage medium provided by the present invention can display a payment link associated with a target payment item in response to a user's selection operation on a target payment item in a payment display interface. Then, in response to the payment amount entered by the user in the payment link, a payment order representing the payment amount of the target payment item is generated. The payment order is sent to the payment service platform to verify the payment order on the merchant side. The payment order that has passed the verification is verified and paid on the acquiring component on the bank side. The transaction result of the payment order after the payment is completed is sent to the payment service platform on the merchant side, and the payment order is fed back to the payment display interface. This payment method does not require repeated and tedious design and development, and can meet the personalized needs and usage requirements of most merchants and users.

Description

Technical Field

[0001] The present invention relates to the field of online transaction technology, and in particular to a payment method, device, equipment and storage medium. Background Art

[0002] As a crucial component of inclusive finance, convenient bill payment services are closely intertwined with people's daily lives. Modern consumers' increasingly diverse payment needs have ignited a nationwide bill payment market, driven by its sheer scale and rigid consumer demand. Before the widespread adoption of the internet, users typically paid offline at merchant locations. However, with the development of the internet, particularly mobile internet in recent years, the number of internet users has increased significantly, leading to significant changes in the bill payment market size and formats, with an increasing number of consumers opting for online payments.

[0003] When implementing payment functions for users at different merchants, it is necessary to repeatedly and tediously design and develop the payment process, resulting in a long development cycle and low efficiency. Summary of the Invention

[0004] In order to solve the problems of time-consuming, labor-intensive and low efficiency in the prior art, the present invention provides a payment method, device, equipment and storage medium, which have the characteristics of saving time and labor and being more efficient.

[0005] A payment method provided according to a specific embodiment of the present invention includes:

[0006] In response to a user selecting a target payment item in the payment display interface, displaying a payment link associated with the target payment item;

[0007] In response to the payment amount entered by the user in the payment link, generating a payment order representing the payment amount of the target payment item;

[0008] Sending the payment order to the payment service platform to verify the payment order on the merchant side;

[0009] The payment order that has passed the verification will be verified and paid in the acquiring component on the bank side;

[0010] The transaction result of the payment order is sent to the payment service platform on the merchant side, and the payment order is fed back to the payment display interface.

[0011] Furthermore, the payment method also includes:

[0012] Statistics are collected on all payment orders completed every day, and transactions are checked against the payment collection flow based on the statistical results.

[0013] Furthermore, the payment method also includes:

[0014] Obtain the sub-contracts of each payment order from the fund decomposition interface of the payment service platform, and record all sub-contracts.

[0015] Furthermore, sending the payment order to the payment service platform to verify the payment order on the merchant side includes:

[0016] Verify the industry attributes of the payment order based on industry application classification;

[0017] Decomposing the payment order based on the merchant service to generate corresponding merchant service information;

[0018] The template configuration and order status of the payment order are updated based on the charging service.

[0019] Furthermore, after sending the payment order to the payment service platform to verify the payment order on the merchant side, the method further includes:

[0020] The payment order generation interface, service interface and service access are controlled based on the service control platform.

[0021] Furthermore, the above-mentioned statistics are collected on all payment orders completed every day, and transaction verification is performed on the acquiring flow based on the statistical results, including:

[0022] The payment methods of the payment order are counted, and based on the payment methods, the transaction flow under each payment method is checked separately.

[0023] Furthermore, the step of verifying and paying the verified payment order at the acquiring component on the bank side includes:

[0024] The merchant's account information is obtained based on the merchant's own Internet charging system, and the payment order is verified based on the account information before payment is made.

[0025] A payment device provided according to a specific embodiment of the present invention includes:

[0026] A link display module, configured to display a payment link associated with a target payment item in response to a user selecting the target payment item in the payment display interface;

[0027] An order generating module, configured to generate a payment order representing the payment amount of the target payment item in response to the payment amount input by the user in the payment link;

[0028] An order verification module, configured to send the payment order to a payment service platform for verification on the merchant side;

[0029] The order payment module is used to verify and pay the verified payment order in the bank's acquiring component; and

[0030] The payment completion module is used to send the transaction result of the payment order completed to the payment service platform on the merchant side, and feed back the payment order to the payment display interface.

[0031] A device provided according to a specific embodiment of the present invention includes: a memory and a processor;

[0032] The memory is used to store programs;

[0033] The processor is used to execute the program to implement the various steps of the payment method described above.

[0034] According to a specific embodiment of the present invention, a storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the various steps of the payment method described above are implemented.

[0035] The payment method provided by the present invention can display a payment link associated with a target payment item in response to a user's selection operation on a target payment item in a payment display interface. Then, in response to the payment amount entered by the user in the payment link, a payment order representing the payment amount of the target payment item is generated. The payment order is sent to a payment service platform to verify the payment order on the merchant side. The payment order that has passed the verification is verified and paid on the acquiring component on the bank side. The transaction result of the payment order that has been completed is sent to the payment service platform on the merchant side, and the payment order is fed back to the payment display interface. This payment method does not require repeated and tedious design and development, and can meet the personalized needs and usage requirements of most merchants and users. BRIEF DESCRIPTION OF THE DRAWINGS

[0036] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are merely embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on the provided drawings without paying any creative work.

[0037] Figure 1 is a flow chart of a payment method provided according to an exemplary embodiment;

[0038] Figure 2 is a structural diagram of a payment system provided according to an exemplary embodiment;

[0039] Figure 3is a structural diagram of a payment device provided according to an exemplary embodiment;

[0040] Figure 4 is a structural diagram of a device provided according to an exemplary embodiment. DETAILED DESCRIPTION

[0041] The following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts are within the scope of protection of the present invention.

[0042] Reference Figure 1 As shown, the embodiment of the present invention provides a payment method, which can be applied in Figure 2 In the payment system shown, the payment system can divide merchant access into Internet access and dedicated line access. Through the proxy server and payment front-end, external merchants can be quickly connected to achieve rapid development of payment needs. The payment method may include the following steps:

[0043] 101. In response to a user selecting a target payment item in a payment display interface, a payment link associated with the target payment item is displayed.

[0044] After the user logs in to the payment interface through bank online banking, websites, mobile application software, WeChat, etc., a display box with various payment functions will be displayed on the payment display interface. The user can select the payment item according to his or her own payment needs. After the user selects the corresponding payment item, the payment link associated with the target payment item will be displayed. After opening the payment link, the user can enter the payment interface to enter and confirm the relevant payment amount.

[0045] 102. In response to the payment amount input by the user in the payment link, a payment order representing the payment amount of the target payment item is generated.

[0046] After the user enters the corresponding payment amount in the payment interface of the payment link and completes the confirmation operation, the service platform can generate a payment order representing the payment amount of the user's payment item. Based on the payment order, the user's payment item can be confirmed.

[0047] 103. Send the payment order to the payment service platform to verify the payment order on the merchant side.

[0048] After generating the user's payment order, you can go to the merchant side of the payment service platform to verify the payment order. After verifying that it is the merchant's order, you can initiate the user payment process.

[0049] 104. The payment order that has passed the verification is verified and paid for in the acquiring component on the bank side.

[0050] The merchant's account information can be obtained through the merchant's proprietary internet billing system, and the payment order can be verified based on the account information before payment is made. The bank's acquiring component can settle the order based on the payment type used by the user, such as completing payment processing based on the user's payment type, such as corporate deposits, personal deposits, card issuance, debit cards, payment settlement, etc., thereby transferring the corresponding payment amount from the user's account to the merchant's account.

[0051] 105. The transaction result of the completed payment order is sent to the payment service platform on the merchant side, and the payment order is fed back to the payment display interface.

[0052] After payment is complete, the completed payment order is fed back to the payment service platform and displayed on the payment display interface, allowing both merchants and users to promptly monitor the order processing results. This enables real-time payment for different merchants, eliminating the need for repetitive and tedious design and development of payment processes. By providing a unified interface within the payment system to accommodate the integration and personalized configuration of different merchants, payment efficiency is improved, and merchants can independently adjust their own personalized needs, thereby meeting the personalized needs of users.

[0053] In another specific embodiment of the present invention, to facilitate statistics on user payments, all payment orders completed each day can be counted on a daily basis, and transaction verification can be performed on the acquiring flow based on the statistical results. This facilitates statistical verification of payment amounts on both the user side and the merchant side.

[0054] During daily statistics, the payment service platform's fund decomposition interface can be used to obtain the sub-contracts of each payment order and record all sub-contracts. The acquiring component can then complete the sub-contract account entry, facilitating future historical statistics and tracking.

[0055] In other specific embodiments of the present invention, after the merchant side is connected, sending the payment order to the payment service platform to verify the payment order on the merchant side may include:

[0056] Verify the industry attributes of payment orders based on industry application classification, such as identifying payment industry applications such as kindergarten management, property management, party and labor union applications, etc.

[0057] Based on the merchant service, the payment order is decomposed to generate the corresponding merchant service information. The charging merchant service can be completed after performing order management, query statistics, transaction verification and charging fund decomposition in sequence.

[0058] Update the payment order template configuration and order status based on the charging service. By configuring the charging interface and order template, generate the order and update the order status.

[0059] Then, based on the service control platform, the payment order generation interface, service interface, and service access can be controlled, thereby completing the unified setting and planning of service access, basic services, and service interfaces.

[0060] When conducting transaction verification, the payment methods of the payment order can be counted, and based on the payment method, the transaction verification can be performed separately on the collection flow of each payment method.

[0061] Based on the same design ideas Figure 3 As shown, an embodiment of the present invention further provides a payment device, which can implement each step of the above payment method when running, and the device may include:

[0062] The link display module 301 is configured to display payment links associated with a target payment item in response to a user selecting the target payment item in the payment display interface.

[0063] The order generation module 302 is used to generate a payment order representing the payment amount of the target payment item in response to the payment amount input by the user in the payment link.

[0064] The order verification module 303 is used to send the payment order to the payment service platform to verify the payment order on the merchant side.

[0065] The order payment module 304 is used to verify and pay the payment order that has passed the verification in the acquiring component on the bank side.

[0066] The payment completion module 305 is used to send the transaction result of the payment order completed to the payment service platform on the merchant side, and feed back the payment order to the payment display interface.

[0067] Furthermore, the payment device further includes:

[0068] The payment verification module is used to count all payment orders completed every day and perform transaction verification on the collection flow based on the statistical results.

[0069] Furthermore, the payment device further includes:

[0070] The decomposition and accounting module is used to obtain the sub-contracts of each payment order from the fund decomposition interface of the payment service platform and record all the sub-contracts.

[0071] Furthermore, the order verification module 303 is specifically configured to verify the industry attributes of the payment order based on industry application classification.

[0072] The payment order is decomposed based on the merchant service and the corresponding merchant service information is generated.

[0073] Update the template configuration and order status of the payment order based on the charging service.

[0074] Furthermore, the order verification module 303 is also used to control the payment order generation interface, service interface and service access based on the service control platform.

[0075] Furthermore, the payment verification module is specifically used to collect statistics on the payment channels of the payment orders, and to verify the transaction flow of each payment channel based on the payment channel.

[0076] Furthermore, the order payment module 304 is specifically used to obtain the merchant's account information based on the merchant's own Internet charging system, and to verify the payment order based on the account information before payment.

[0077] The payment device has the same beneficial effects as the above-mentioned payment method. Its specific implementation method can refer to the embodiment of the above-mentioned payment method, and the present invention will not be repeated here.

[0078] Reference Figure 4 As shown, an embodiment of the present invention further provides a device, which may include: a memory 401 and a processor 402.

[0079] The memory 401 is used to store programs.

[0080] The processor 402 is configured to execute the program to implement the various steps of the payment method described in the above embodiment.

[0081] An embodiment of the present invention further provides a storage medium on which a computer program is stored. When the computer program is executed by a processor, the various steps of the payment method described in the above embodiment are implemented.

[0082] For simplicity of description, the aforementioned method embodiments are described as a series of actions. However, those skilled in the art should be aware that the present invention is not limited by the order of the actions described, as certain steps can be performed in other orders or simultaneously according to the present invention. Furthermore, those skilled in the art should also be aware that the embodiments described in this specification are preferred embodiments, and the actions and modules involved are not necessarily required for the present invention.

[0083] It should be noted that the various embodiments in this specification are described in a progressive manner, with each embodiment focusing on the differences from other embodiments. Similarities between the various embodiments can be referred to in conjunction with each other. For device embodiments, since they are generally similar to method embodiments, their description is relatively simple, and for relevant details, reference can be made to the description of the method embodiments.

[0084] The steps in the methods of the various embodiments of the present invention can be adjusted in sequence, combined, and deleted according to actual needs, and the technical features recorded in the various embodiments can be replaced or combined.

[0085] The modules and submodules in the devices and terminals of various embodiments of the present invention may be combined, divided, or deleted according to actual needs.

[0086] In the several embodiments provided herein, it should be understood that the disclosed terminals, devices, and methods can be implemented in other ways. For example, the terminal embodiments described above are merely illustrative. For example, the division of modules or submodules is merely a logical functional division. In actual implementation, other division methods may be used, such as combining or integrating multiple submodules or modules into another module, or omitting or not implementing certain features. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection between devices or modules via some interface, which may be electrical, mechanical, or other forms.

[0087] The modules or submodules described as separate components may or may not be physically separate, and the components of the modules or submodules may or may not be physical modules or submodules, that is, they may be located in one place or distributed across multiple network modules or submodules. Some or all of the modules or submodules may be selected to achieve the purpose of this embodiment according to actual needs.

[0088] In addition, the functional modules or submodules in the various embodiments of the present invention may be integrated into a single processing module, or each module or submodule may exist physically separately, or two or more modules or submodules may be integrated into a single module. The aforementioned integrated modules or submodules may be implemented in the form of hardware or software functional modules or submodules.

[0089] Professionals may further appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the above description has generally described the components and steps of each example according to their functions. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professionals and technicians may use different methods to implement the described functions for each specific application, but such implementation should not be considered beyond the scope of the present invention.

[0090] The steps of the methods or algorithms described in conjunction with the embodiments disclosed herein may be implemented directly using hardware, software units executed by a processor, or a combination of the two. The software units may be placed in random access memory (RAM), internal memory, read-only memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, removable disk, CD-ROM, or any other form of storage medium known in the art.

[0091] Finally, it should be noted that, in this document, relational terms such as first and second, etc., are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any actual relationship or order between these entities or operations. Moreover, the terms "comprises," "comprising," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or device comprising a series of elements includes not only those elements, but also other elements not explicitly listed, or elements inherent to such process, method, article, or device. In the absence of further limitations, an element defined by the phrase "comprising a ..." does not exclude the presence of additional identical elements in the process, method, article, or device comprising the element.

[0092] The above description of the disclosed embodiments is intended to enable one skilled in the art to implement or use the present invention. Various modifications to these embodiments will be readily apparent to one skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present invention. Therefore, the present invention is not limited to the embodiments shown herein but is intended to conform to the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A payment method, characterized in that: include: In response to a user selecting a target payment item in the payment display interface, displaying a payment link associated with the target payment item; In response to the payment amount entered by the user in the payment link, generating a payment order representing the payment amount of the target payment item; Sending the payment order to the payment service platform to verify the payment order on the merchant side; The payment order that has passed the verification will be verified and paid in the acquiring component on the bank side; Send the transaction result of the completed payment order to the payment service platform on the merchant side, and feedback the payment order to the payment display interface; The step of sending the payment order to the payment service platform to verify the payment order on the merchant side includes: Verify the industry attributes of the payment order based on industry application classification; Decomposing the payment order based on the merchant service to generate corresponding merchant service information; The template configuration and order status of the payment order are updated based on the charging service.

2. The method according to claim 1, characterized in that Also includes: Statistics are collected on all payment orders completed every day, and transactions are checked against the payment collection flow based on the statistical results.

3. The method according to claim 1, characterized in that Also includes: Obtain the sub-contracts of each payment order from the fund decomposition interface of the payment service platform, and record all sub-contracts.

4. The method according to claim 1, wherein After sending the payment order to the payment service platform to verify the payment order on the merchant side, the method further includes: The payment order generation interface, service interface and service access are controlled based on the service control platform.

5. The method according to claim 2, characterized in that The aforementioned process of collecting statistics on all payment orders completed each day and verifying the transaction flow based on the statistical results includes: The payment methods of the payment order are counted, and based on the payment methods, the transaction flow under each payment method is checked separately.

6. The method according to claim 1, characterized in that The verification and payment of the payment order that has passed the verification is carried out at the acquiring component on the bank side, including: The merchant's account information is obtained based on the merchant's own Internet charging system, and the payment order is verified based on the account information before payment is made.

7. A payment device, characterized in that: include: A link display module, configured to display a payment link associated with a target payment item in response to a user selecting the target payment item in the payment display interface; An order generating module, configured to generate a payment order representing the payment amount of the target payment item in response to the payment amount input by the user in the payment link; An order verification module, configured to send the payment order to a payment service platform for verification on the merchant side; The order payment module is used to verify and pay the verified payment order in the bank's acquiring component; as well as The payment completion module is used to send the transaction result of the payment order completed to the payment service platform on the merchant side, and feedback the payment order to the payment display interface; The step of sending the payment order to the payment service platform to verify the payment order on the merchant side includes: Verify the industry attributes of the payment order based on industry application classification; Decomposing the payment order based on the merchant service to generate corresponding merchant service information; The template configuration and order status of the payment order are updated based on the charging service.

8. A device, characterized in that include: memory and processor; The memory is used to store programs; The processor is configured to execute the program to implement each step of the payment method according to any one of claims 1 to 6.

9. A storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, each step of the payment method according to any one of claims 1 to 6 is implemented.

Images