支付方法、支付服务平台及相关装置
By linking with a credit verification platform, the payment service platform verifies the creditworthiness of payers upon receiving their payment requests, allowing users to place orders first and pay later. This solves the limitations of existing electronic payment platforms, improves the user's transaction experience, and enhances the platform's applicability.
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- ALIPAY COM CO LTD
- Filing Date
- 2026-04-21
- Publication Date
- 2026-07-17
AI Technical Summary
Existing electronic payment platforms do not support order placement before buyers make actual payments, resulting in significant limitations and a poor user experience, especially when buyers urgently need to purchase goods and cannot place orders immediately.
A payment service platform is provided that, by linking with a first service platform with credit verification function, receives a target payment request and verifies the payer's credit authority. If the verification is successful, the payer is allowed to place the order first and then pay, supporting credit payment, and completing the payment within the payment period.
This improves the applicability of electronic payment platforms, allowing users to place orders first and pay later if their credit limits permit, thus enhancing the user experience and transaction efficiency.
Smart Images
Figure CN122415102A_ABST