A payment management platform, computer device and readable storage medium

Abstract

The present application relates to the field of financial management technology, and in particular to a payment management platform, computer equipment and readable storage medium. The payment management platform includes a task center, a business center, an external gateway and an internal gateway; the business center is used to obtain an order payment request message through the external gateway and extract the order information of the order from it; verify the order payment request message; update the order status of the order according to the verification result, and return the payment request response information generated based on the new order status to the upstream platform through the external gateway; the task center is used to detect the order status of all order information, generate corresponding order notification information based on the accepted order status; send the order notification information to the user through the internal gateway; the business center is also used to receive order payment authorization information through the internal gateway, and perform payment operations based on the order payment authorization information. This application better understands the background of each transaction, ensures the authenticity of the transaction, and reduces the risk of fraud.

Description

Technical Field

[0001] The present application relates to the technical field of financial management, and in particular to a payment management platform, a computer device and a readable storage medium. Background Art

[0002] Supply chain finance is a financial service model that has developed rapidly in recent years. The participants in supply chain finance mainly include financial institutions that provide financial services, small and medium-sized enterprises upstream and downstream of the supply chain, supporting enterprises that coordinate and bridge, and core enterprises with large scale and strong strength. The continuous evolution and development of supply chain finance has brought new challenges to the management methods of financial institutions. From many aspects, it is generally difficult for financial institutions to fully understand the real operating conditions of enterprises and the authenticity of transactions. Therefore, financial institutions will face great credit risks. Summary of the invention

[0003] In view of the above problems, the present application proposes a payment management platform, a computer device and a readable storage medium, which can integrate various transaction data of an enterprise, so that financial institutions can fully understand the operating conditions of the enterprise.

[0004] The embodiment of the present application proposes a payment management platform, including a task center, a business center, an external gateway and an internal gateway;

[0005] The business center is used to obtain the order payment request message through the external gateway, extract the order information of the order from the order payment request message, and the order information includes the order status; verify the order payment request message; update the order status according to the verification result, and return the payment request response information generated based on the new order status to the upstream platform through the external gateway; wherein the order status includes the accepted status;

[0006] The task center is used to detect the order status of all the order information, generate corresponding order notification information based on the orders in the accepted status; send the order notification information to the user through the internal gateway to instruct the user to perform payment authorization operation on the corresponding order;

[0007] The business center is also used to receive order payment authorization information through the internal gateway and perform payment operations based on the order payment authorization information.

[0008] In some embodiments, the payment management platform further includes a payment agent system; the business center is used to, when receiving order payment authorization information through the internal gateway, change the order status corresponding to the order payment authorization information to a pending payment status, and generate a payment request according to the order payment authorization information; send the payment request to the payment agent system through the internal gateway; receive payment result information of the payment agent system through the internal gateway;

[0009] The business center is also used to change the order status corresponding to the order rejection tag to a payment rejection status when the payment result information includes an order rejection tag, and send the payment rejection status to the upstream platform through the external gateway.

[0010] In some embodiments, the task center is further configured to obtain order payment failure information from the corresponding order information when the order status is an order payment failure status; if the order failure information is analyzed to be a factor of the payment management platform, the payment request is sent to the payment agent system through the internal gateway again to re-perform the payment operation, and the number of consecutive retries in the corresponding order information is increased by one, and the order status is changed to a pending payment status;

[0011] If the number of consecutive retries reaches a preset retry threshold, the corresponding order status is changed to an order failure status, and order failure information is sent to the upstream platform through the external gateway;

[0012] When the result is not caused by the payment management platform, order failure information is sent to the upstream platform through the external gateway.

[0013] In some implementations, the business center is used to obtain basic information of the user corresponding to the order payment request message through the internal gateway; and then verify the order payment request message based on the basic information and the order information.

[0014] In some embodiments, the order information includes the order processing deadline and the current processing time;

[0015] The task center is also used to send transaction order expiration information to the upstream platform through the external gateway and change the corresponding order status to an expired order status before the order is completed if the current processing time of the order exceeds the order processing period.

[0016] In some embodiments, the business center is also used to, if an order cancellation request is received through the external gateway before the order is completed, change the corresponding order status to an order cancellation status, and return a response result generated based on the order cancellation status to the upstream platform through the external gateway.

[0017] In some embodiments, the business center is also used to, if an order query request is received through the external gateway before the order is completed, query the corresponding order query information, generate query result information based on the order query information, and return the query result information to the upstream platform through the external gateway.

[0018] In some embodiments, a back-end management center is also included, and the back-end management center is used to query order information and transaction information configuration, and the transaction information includes transaction permissions.

[0019] Another embodiment of the present application further proposes a computer device, including a storage unit and a processing unit, wherein the storage unit stores a computer program, and the processing unit executes the steps of the above-mentioned payment management platform by calling the computer program stored in the storage unit.

[0020] Another embodiment of the present application further proposes a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and the computer program is suitable for being loaded by a processor to execute the steps of the above-mentioned payment management platform.

[0021] The embodiments of the present application have the following beneficial effects:

[0022] The embodiment of the present application proposes a payment management platform, including a task center, a business center, an external gateway and an internal gateway; the business center is used to obtain an order payment request message through the external gateway, extract the order information of the order from the order payment request message, and the order information includes the order status; verify the order payment request message; update the order status according to the verification result, and return the payment request response information generated based on the new order status to the upstream platform through the external gateway; wherein the order status includes the accepted status; the task center is used to detect the order status of all the order information, and generate corresponding order notification information based on the order in the accepted status; send the order notification information to the user through the internal gateway to instruct the user to perform payment authorization operation on the corresponding order; the business center is also used to receive the order payment authorization information through the internal gateway, and perform payment operation based on the order payment authorization information. The present application integrates the detailed information of each real-time payment dynamic of the user through a new payment management platform. Better understand the background of each transaction, ensure the authenticity of the transaction, identify the user identity in more detail, and effectively reduce the risk of fraud. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] In order to more clearly illustrate the technical solution of the present application, the following is a brief introduction to the drawings required for use in the embodiments. It should be understood that the following drawings only illustrate certain embodiments of the present application and should not be regarded as limiting the scope of protection of the present application. In each of the drawings, similar components are numbered similarly.

[0024] Figure 1 A schematic diagram showing the structure of a transaction chain in some implementation modes of the present application is shown;

[0025] Figure 2A first structural schematic diagram of a payment management platform according to some embodiments of the present application is shown;

[0026] Figure 3 A first process diagram of a payment management platform in some implementation modes of the present application is shown;

[0027] Figure 4 A second structural schematic diagram of a payment management platform according to some embodiments of the present application is shown;

[0028] Figure 5 A second process diagram of a payment management platform in some implementation modes of the present application is shown;

[0029] Figure 6 A third flow chart of the payment management platform of some embodiments of the present application is shown.

[0030] Explanation of the main module numbers: 100-payment management platform; 110-task center; 120-business center; 130-external gateway; 140-internal gateway; 150-payment system. DETAILED DESCRIPTION

[0031] The technical solutions in the embodiments of the present application will be described clearly and completely below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, rather than all of the embodiments.

[0032] The components of the embodiments of the present application generally described and shown in the drawings herein may be arranged and designed in various configurations. Therefore, the following detailed description of the embodiments of the present application provided in the drawings is not intended to limit the scope of the application claimed for protection, but merely represents the selected embodiments of the present application. Based on the embodiments of the present application, all other embodiments obtained by those skilled in the art without making creative work belong to the scope of protection of the present application.

[0033] Hereinafter, the terms "including", "having" and their cognates, which may be used in various embodiments of the present application, are intended only to indicate specific features, numbers, steps, operations, elements, components, or combinations of the foregoing items, and should not be understood as first excluding the existence of one or more other features, numbers, steps, operations, elements, components, or combinations of the foregoing items or adding the possibility of one or more features, numbers, steps, operations, elements, components, or combinations of the foregoing items.

[0034] Furthermore, the terms “first”, “second”, “third”, etc. are merely used for distinguishing descriptions and are not to be understood as indicating or implying relative importance.

[0035] Unless otherwise defined, all terms (including technical terms and scientific terms) used herein have the same meanings as those generally understood by those skilled in the art to which the various embodiments of the present application belong. The terms (such as those defined in generally used dictionaries) will be interpreted as having the same meanings as the contextual meanings in the relevant technical field and will not be interpreted as having idealized meanings or overly formal meanings unless clearly defined in the various embodiments of the present application.

[0036] In conjunction with the accompanying drawings, some embodiments of the present application are described in detail below. In the absence of conflict, the following embodiments and features in the embodiments can be combined with each other.

[0037] Generally, financial institutions can only obtain corresponding transfer records through the collection / payment behaviors of users (such as corporate online banking, personal accounts, etc.). However, based on the only collection / payment transfer records, they cannot accurately understand the actual business operations of the enterprise / individual, evaluate the ability of the enterprise / individual to actually pay for products, and other information.

[0038] Therefore, in order to solve the above problems, the present application proposes a payment management platform 100.

[0039] Please refer to Figure 1 , is a payment chain proposed in one embodiment of the present application, and the transaction chain includes a supply chain platform, a receiving bank, a receiving enterprise, a transfer party, an accepting bank, a paying bank, and a paying enterprise. In order to more clearly introduce the entire transaction process based on the supply chain platform in this embodiment, the following is a detailed description:

[0040] Step 1: When the paying enterprise (user) needs to purchase, it determines the purchase information and transmits the purchase information to the supply chain platform.

[0041] Step 2: The supply chain platform pushes the purchase information to the accepting bank, which records it and generates an order payment request message based on the purchase information.

[0042] Step 3: The accepting bank transmits the order payment request message to the transferor, so that the transferor records the order payment request message and transfers the order payment request message to other platforms.

[0043] Step 4: The transferor forwards the order payment request message to the paying bank (payment management platform 100), so that the paying bank performs the payment process according to the order payment request message.

[0044] Step 5: The paying bank generates corresponding payment request response information according to the order payment request message, and transmits the payment request response information to the transferor. At the same time, the transferor transmits the payment request response information to the accepting bank, and the accepting bank transmits the payment request response information to the supply chain platform, so that the supply chain platform confirms that the paying bank has received the corresponding information.

[0045] Step 6: The paying bank will generate the corresponding order notification information based on the order payment request message and send it to the paying enterprise (user).

[0046] Step 7. The paying company authorizes the payment based on the order notification information and transmits the generated order payment authorization information to the paying bank.

[0047] Step 8. The paying bank performs payment operations according to the order payment authorization information, generates credit payment information when the payment operation is completed, and then sends the credit payment information to the transferor.

[0048] Step 9. After receiving the credit payment information, the transferor generates payment result response information and order completion information based on the credit payment information; and returns the payment result response information to the paying bank, and at the same time sends the credit payment information to the receiving bank and transmits the order completion information to the accepting bank. After receiving the order completion information, the accepting bank records it and forwards the order completion information to the supply chain platform.

[0049] Step 10: After receiving the payment result response information, the paying bank generates payment result information based on the payment result response information and transmits the payment result information to the paying enterprise. At the same time, the receiving bank generates receipt information based on the received credit payment information and transmits the receipt information to the receiving enterprise.

[0050] Step 11. After receiving the payment information, the receiving bank generates the shipping information and transmits the shipping information to the supply chain platform to notify the supply chain platform to ship the goods.

[0051] At this point, the transaction process of the entire transaction chain has been introduced.

[0052] Please refer to Figure 2 , is a module diagram of a payment management platform 100 proposed in an embodiment of the present application. Exemplarily, the payment management platform 100 is applied to the payment or collection field of a financial institution, for example, the financial institution may be a bank, a securities company, an insurance company, a trust investment company, etc.

[0053] In some embodiments, Figures 2 to 3As shown, the payment management platform 100 includes a task center 110, a business center 120, an external gateway 130 and an internal gateway 140. Both the task center 110 and the business center 120 can obtain / send information through the external gateway 130 and the internal gateway 140. The following describes the processing of the business center 120 and the task center 110 during payment.

[0054] Business Center 120:

[0055] S110 . Obtain an order payment request message through the external gateway 130 .

[0056] The business center 120 obtains the order payment request message sent by the upstream platform through the external gateway 130. Optionally, the upstream platform can be a transfer party, etc., which is not limited here.

[0057] S120: Extract order information of the order from the order payment request message.

[0058] Among them, order information includes order status, payer information, payee information, etc.

[0059] S130: Verify the order payment request message.

[0060] In some implementations, the business center 120 obtains basic information of the user corresponding to the order payment request message through the internal gateway 140; and then verifies the order payment request message based on the basic information and the order information.

[0061] Optionally, the business center 120 extracts the payee information from the order information; searches for the basic information of the corresponding user in the core system through the internal gateway 140 according to the payee information; and performs verification based on the basic information and the payee information. The verification process includes but is not limited to comparison of the account and the user name, verification of the account status, etc.

[0062] S140 . Update the order status according to the verification result, and return the payment request response information generated based on the new order status to the upstream platform through the external gateway 130 .

[0063] The upstream platform requires a response from the paying bank to confirm that the paying bank has received the order payment request message.

[0064] Optionally, the upstream platform transmits the transaction order result response information to the supply chain platform, so that the supply chain platform generates an order payment page, and the user can authorize payment through the order payment page.

[0065] Among them, the order status includes accepted status, verification failed status, pending payment status, payment refused status, order payment failed status, order failure status, order expired status, order cancellation status, order payment completed status, etc.

[0066] The verification results include verification passed and verification failed. When the verification is passed, the order status is updated to the accepted status; when the verification fails, the order status is updated to the verification failed status.

[0067] Mission Center 110:

[0068] S150: Detect the order status of all order information.

[0069] Exemplarily, the task center 110 will periodically scan the order status of all order information currently being processed.

[0070] S160. Generate corresponding order notification information based on the order in the accepted status.

[0071] S170. Send the order notification information to the user through the internal gateway 140 to instruct the user to perform payment authorization operation on the corresponding order.

[0072] When the verification is passed, order notification information is generated according to the order information whose order status is accepted. The order notification information is transmitted to the user. When the user logs in to the page, the corresponding order notification information can be viewed and order payment authorization can be performed. When the order payment is authorized, the generated order payment authorization information will be returned to the business center 120.

[0073] Optionally, the order notification information is transmitted to the message center platform through the internal gateway 140, and the user can view the order notification information and other order-related information through the message center platform.

[0074] Business Center 120:

[0075] S180. Receive order payment authorization information through the internal gateway 140, and perform payment operations based on the order payment authorization information.

[0076] After receiving the order payment authorization information through the internal gateway 140, the business center 120 performs the subsequent payment operation.

[0077] In some embodiments, Figures 4 to 5 As shown, the payment management platform 100 also includes a payment system 150 .

[0078] S181. When order payment authorization information is received through the internal gateway 140, the order status corresponding to the order payment authorization information is updated to a pending payment status.

[0079] The business center 120 receives the order payment authorization information from the user (such as corporate online banking) through the internal gateway 140. At this time, the business center 120 confirms that the user agrees to pay, so the order status is updated to the payment status and waits for the amount transfer operation.

[0080] S182. Generate a payment request based on the order payment authorization information.

[0081] S183 . Send the payment request to the payment system 150 through the internal gateway 140 .

[0082] During the amount transfer process, the payment system 150 needs to transfer the amount to the corresponding payment recipient. Therefore, the generated payment request needs to be sent to the payment system 150. The payment system 150 extracts information such as the transfer recipient from the payment request, and then transfers the amount corresponding to the order to the corresponding payment recipient to complete the amount transfer operation. After the transfer is completed, the payment system 150 will return the payment result information through the internal gateway 140. The payment result information includes a result label, which can be a payment success label, an order rejection label, or a payment failure label.

[0083] S184 , receiving payment result information from the payment system 150 through the internal gateway 140 .

[0084] The business center 120 receives the payment result information from the payment system 150 through the internal gateway 140 and updates the order status according to the payment result information.

[0085] S185. When the payment result information includes an order rejection tag, the order status corresponding to the order rejection tag is changed to a payment rejection status, and the payment rejection status is sent to the upstream platform through the external gateway 130.

[0086] When the user refuses to pay, an order rejection tag will be written in the result tag position in the payment result information, and transmitted to the business center 120 through the internal gateway 140. The business center 120 extracts the order rejection tag in the payment result information, and then changes the corresponding order status to a payment rejection status according to the order rejection tag. The payment rejection feedback information is generated according to the payment rejection status, and the payment rejection feedback information is sent to the upstream platform.

[0087] In some embodiments, Figure 6 As shown, the task center 110 processing process also includes:

[0088] S210: When the order status is an order payment failure status, obtain order payment failure information from the corresponding order information.

[0089] Optionally, the task center 110 periodically scans all order statuses and re-initiates payment operations based on orders whose order status is an order payment failure status. This is because during the order sending process, the order sending may fail due to reasons of the payment management platform 100 itself or reasons other than the payment management platform 100 itself. Therefore, it is necessary to re-initiate the payment operation based on the specific failure reason.

[0090] S220. If the order failure information is analyzed to be due to the payment management platform 100, a payment request is sent to the payment system 150 through the internal gateway 140 again to re-perform the payment operation, increase the number of consecutive retries in the corresponding order information by one, and change the order status to a pending payment status.

[0091] Each time a failure occurs, the business center 120 will receive order failure information through the internal gateway 140, and change the corresponding order status to order payment failure status. The order information includes a failure factor tag, and the task center 110 can determine the cause of the failure based on the failure factor tag. When the failure is caused by the payment management platform 100 itself, a payment request is automatically sent to the payment system 150 through the internal gateway 140 to perform the payment operation again. Of course, the order status of the order needs to be changed to a pending payment status.

[0092] Of course, if the second failure occurs, the payment request continues to be sent until the continuous retry reaches the preset retry threshold. Optionally, the preset retry threshold can be 2, 3 or 4, etc., which is not limited here.

[0093] S230. If the number of consecutive retries reaches a preset retry threshold, the corresponding order status is changed to an order failure status, and order failure information is sent to the upstream platform through the external gateway 130.

[0094] When the preset retry threshold is reached, it means that the retry method cannot solve the current fault. Therefore, the corresponding order status is directly changed to order fault status and wait for staff to handle it.

[0095] S240: When the result is not due to the payment management platform 100, the order failure information is sent to the upstream platform through the external gateway 130.

[0096] The task center 110 sends order failure information to the upstream platform through the external gateway 130 to inform the upstream platform.

[0097] In some embodiments, the task center 110 is also used to send transaction order expiration information to the upstream platform through the external gateway 130 before the order is completed, if the current processing time exceeds the order processing period, and change the corresponding order status to an expired order status.

[0098] The order information of the order is extracted from the order payment request message, and the order information includes the order processing deadline and the current processing time. The order processing deadline is the order processing time limit, and the current processing time is the current processing time of the order. If the current processing time reaches the order processing deadline, it means that the order deadline has expired. Among them, the order end means that the order status of the order does not need to be monitored. For example, when the order status is the order payment completion status, order cancellation status, order failure status, order expired status or payment refusal status, it means that the order does not need to be monitored and the order is ended.

[0099] In some embodiments, the business center 120 is also used to change the corresponding order status to an order cancellation status if an order cancellation request is received through the external gateway 130 before the order is completed, and return the response result generated based on the order cancellation status to the upstream platform through the external gateway 130.

[0100] Before the order is completed, the user can cancel the current order. The order cancellation request generated by the user through the page operation is transmitted to the external gateway. The business center 120 receives the order cancellation request through the external gateway and updates the corresponding order status according to the order cancellation request.

[0101] In some embodiments, the business center 120 is also used to query the corresponding order query information if an order query request is received through the external gateway 130 before the order is completed, generate query result information based on the order query information, and return the query result information to the upstream platform through the external gateway 130.

[0102] Before the order is completed, the user can perform an order query operation on the current order. The order query request generated by the user through the page operation is transmitted to the external gateway. The business center 120 receives the order query request through the external gateway and updates the corresponding order status according to the order query request.

[0103] In some implementations, the payment management platform 100 further includes a post-management center, which is used to query order information and transaction information configuration, and the transaction information includes transaction permissions.

[0104] In addition, when the user needs to make a transfer payment or receive payment directly, the payment management platform 100 of the present application can directly perform the corresponding transfer operation through the payment system 150 and collect and record the user's non-consumption dynamic information.

[0105] The embodiment of the present application proposes a payment management platform 100, including a task center 110, a business center 120, an external gateway 130 and an internal gateway 140; the business center 120 is used to obtain an order payment request message through the external gateway 130, extract the order information of the order from the order payment request message, and the order information includes the order status; verify the order payment request message; update the order status according to the verification result, and return the payment request response information generated based on the new order status to the upstream platform through the external gateway 130; wherein the order status includes the accepted status; the task center 110 is used to detect the order status of all order information, and generate corresponding order notification information based on the accepted order status; send the order notification information to the user through the internal gateway 140 to instruct the user to perform payment authorization operations on the corresponding order; the business center 120 is also used to receive the order payment authorization information through the internal gateway 140, and perform payment operations based on the order payment authorization information. The present application integrates the detailed information of each real-time payment dynamic of the user through the new payment management platform 100, bringing the following advantages:

[0106] First, the payment management platform 100 can not only effectively meet the payment needs of enterprises, but also be applied to personal remittance and top-up services, loan repayments and credit card returns. B2C payment collection and payment, for example, a corporate public account initiates a payment request for personal living expenses (for example, property fees, party dues, tuition fees, etc.). In this scenario, the C-end customer's active payment scenario can break through the limitations of acquiring, debit business limits, agreement signing, etc., and provide more payment scenarios through active payment.

[0107] Second, the separation of purchase and payment is a good practice for internal control and risk control in enterprises. With clear responsibilities, it can not only optimize the cash flow management of enterprises, but also control costs. For financial institutions, understanding the transaction background, ensuring the authenticity of transactions, and assisting customer information verification technology can better identify customer identities, prevent risks such as anti-money laundering and anti-fraud, and prevent compliance issues in account management and fund collection and payment management, which meets the high compliance requirements of banks.

[0108] Third, the payment management platform is safe, convenient and compatible, with both the stability of mature basic functional modules and the reliability and scalability of new service integration. Order transaction information also provides support for banks to provide credit financing and other financial products, expanding financial service capabilities.

[0109] Another embodiment of the present application further proposes a computer device, including a storage unit and a processing unit, wherein the storage unit stores a computer program, and the processing unit executes the steps of the payment management platform 100 as described above by calling the computer program stored in the storage unit.

[0110] Another embodiment of the present application further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and the computer program is suitable for being loaded by a processor to execute the steps of the payment management platform 100 as described above.

[0111] It can be understood that the method steps of this embodiment correspond to the method executed by the payment management platform 100 in the above embodiment, wherein the optional options of the method executed by the above payment management platform 100 are also applicable to this embodiment and will not be repeated here.

[0112] In several embodiments provided in the present application, it should be understood that the disclosed devices and methods can also be implemented in other ways. The device embodiments described above are merely schematic. For example, the flowcharts and structure diagrams in the accompanying drawings show the possible architecture, functions and operations of the devices, methods and computer program products according to multiple embodiments of the present application. In this regard, each box in the flowchart or block diagram can represent a module, a program segment or a part of a code, and the module, a program segment or a part of a code contains one or more executable instructions for implementing the specified logical function. It should also be noted that in an alternative implementation, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two consecutive boxes can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the structure diagram and / or the flow diagram, and the combination of boxes in the structure diagram and / or the flow diagram, can be implemented with a dedicated hardware-based system that performs a specified function or action, or can be implemented with a combination of dedicated hardware and computer instructions.

[0113] In addition, the functional modules or units in the various embodiments of the present application may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part.

[0114] If the function is implemented in the form of a software function module and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application can be essentially or partly embodied in the form of a software product that contributes to the prior art. The computer software product is stored in a storage medium, including several instructions to enable a computer device (which can be a smart phone, a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk, etc., which can store program code.

[0115] The above description is only a specific implementation manner of the present application, but the protection scope of the present application is not limited thereto. Any technician familiar with the technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application.

Claims

1. A payment management platform, characterized in that: Includes task center, business center, external gateway and internal gateway; The business center is used to obtain the order payment request message through the external gateway, and extract order information of the order from the order payment request message, wherein the order information includes the order status; Verifying the order payment request message; updating the order status according to the verification result, and returning the payment request response information generated based on the new order status to the upstream platform through the external gateway; wherein the order status includes the accepted status; The task center is used to detect the order status of all the order information, generate corresponding order notification information based on the orders in the accepted status; send the order notification information to the user through the internal gateway to instruct the user to perform payment authorization operation on the corresponding order; The business center is also used to receive order payment authorization information through the internal gateway and perform payment operations based on the order payment authorization information.

2. The payment management platform according to claim 1, characterized in that: The payment management platform also includes a payment system; the business center is used to change the order status corresponding to the order payment authorization information to a pending payment status when receiving the order payment authorization information through the internal gateway, and generate a payment request according to the order payment authorization information; Sending the payment request to the payment agent system through the internal gateway; Receiving payment result information of the payment agent system through the internal gateway; The business center is also used to change the order status corresponding to the order rejection tag to a payment rejection status when the payment result information includes an order rejection tag, and send the payment rejection status to the upstream platform through the external gateway.

3. The payment management platform according to claim 2, characterized in that: The task center is also used to obtain order payment failure information from the corresponding order information when the order status is an order payment failure status; if the order failure information is analyzed to be a factor of the payment management platform, the payment request is sent to the payment agent system through the internal gateway again to re-perform the payment operation, and the number of consecutive retries in the corresponding order information is increased by one, and the order status is changed to a pending payment status; If the number of consecutive retries reaches a preset retry threshold, the corresponding order status is changed to an order failure status, and order failure information is sent to the upstream platform through the external gateway; When the result is not caused by the payment management platform, order failure information is sent to the upstream platform through the external gateway.

4. The payment management platform according to claim 1, characterized in that: The business center is used to obtain basic information of the user corresponding to the order payment request message through the internal gateway; and then verify the order payment request message according to the basic information and the order information.

5. The payment management platform according to claim 1, characterized in that: The order information includes the order processing period and the current processing time; The task center is also used to send transaction order expiration information to the upstream platform through the external gateway and change the corresponding order status to an expired order status before the order is completed if the current processing time of the order exceeds the order processing period.

6. The payment management platform according to claim 1, characterized in that: The business center is also used to, before the order is completed, if an order cancellation request is received through the external gateway, change the corresponding order status to an order cancellation status, and return the response result generated based on the order cancellation status to the upstream platform through the external gateway.

7. The payment management platform according to claim 5 or 6, characterized in that: The business center is also used to, before the order is completed, if an order query request is received through the external gateway, query the corresponding order query information, generate query result information based on the order query information, and return the query result information to the upstream platform through the external gateway.

8. The payment management platform according to claim 1, characterized in that: It also includes a post-management center, which is used to query order information and transaction information configuration, and the transaction information includes transaction permissions.

9. A computer device, characterized in that: It comprises a storage unit and a processing unit, wherein the storage unit stores a computer program, and the processing unit executes the steps of the payment management platform as claimed in any one of claims 1 to 8 by calling the computer program stored in the storage unit.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and the computer program is suitable for being loaded by a processor to execute the steps of the payment management platform according to any one of claims 1 to 8.

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