CN113421081A

CN113421081A - Payment processing method and device

Info

Publication number: CN113421081A
Application number: CN202110686856.9A
Authority: CN
Inventors: 付智博; 施春艳
Original assignee: Ant Zhixin Hangzhou Information Technology Co ltd
Current assignee: Ant Zhixin Hangzhou Information Technology Co ltd
Priority date: 2021-06-21
Filing date: 2021-06-21
Publication date: 2021-09-21

Abstract

The embodiment of the specification provides a payment processing method and a payment processing device, wherein the payment processing method comprises the following steps: assembling a fulfillment plan according to staging parameters of service products configured by a service party and order information of target orders of the service products by users; activating the fulfillment plan according to the payment configuration information of the service product configured by the service party; and after detecting that the activated performance condition of the target term in the performance plan is triggered, performing payment processing of the target term based on the credit line of the user corresponding to the target order.

Description

Payment processing method and device

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a payment processing method and apparatus.

Background

With the continuous development of online transactions, more and more people choose to carry out online shopping on an electronic transaction platform, products related to transactions are more and more abundant, the related amount of money is more and more, for the electronic transaction platform which provides transaction matching for merchants and users, the willingness of the users to participate in the transactions is improved by providing a staged payment mode of transaction products, a certain amount for staging is distributed to the users by introducing a credit system, the users can consume according to the amount, and the purchase is finished by paying for a commodity for multiple times.

Disclosure of Invention

One or more embodiments of the present specification provide a payment processing method. The payment processing method comprises the following steps: and assembling a fulfillment plan according to staging parameters of the service products configured by the service party and order information of target orders of the service products by the users. And activating the fulfillment plan according to the payment configuration information of the service product configured by the service party. And after detecting that the activated performance condition of the target term in the performance plan is triggered, performing payment processing of the target term based on the credit line of the user corresponding to the target order.

One or more embodiments of the present specification provide a payment processing apparatus, including: and the plan assembling module is configured to assemble a fulfillment plan according to the staging parameters of the service products configured by the service party and the order information of the target orders of the service products by the users. And the plan activation module is configured to activate the fulfillment plan according to the collection configuration information of the service product configured by the service party. And the payment processing module is configured to perform payment processing of the target term based on the credit line of the user corresponding to the target order after detecting that the fulfillment condition of the target term in the activated fulfillment plan is triggered.

One or more embodiments of the present specification provide a payment processing apparatus comprising: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and assembling a fulfillment plan according to staging parameters of the service products configured by the service party and order information of target orders of the service products by the users. And activating the fulfillment plan according to the payment configuration information of the service product configured by the service party. And after detecting that the activated performance condition of the target term in the performance plan is triggered, performing payment processing of the target term based on the credit line of the user corresponding to the target order.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following: and assembling a fulfillment plan according to staging parameters of the service products configured by the service party and order information of target orders of the service products by the users. And activating the fulfillment plan according to the payment configuration information of the service product configured by the service party. And after detecting that the activated performance condition of the target term in the performance plan is triggered, performing payment processing of the target term based on the credit line of the user corresponding to the target order.

Drawings

In order to more clearly illustrate one or more embodiments or technical solutions in the prior art in the present specification, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without inventive exercise;

fig. 1 is a process flow diagram of a payment processing method according to one or more embodiments of the present disclosure;

fig. 2 is a process flow diagram of a payment processing method applied to an initial payment scenario according to one or more embodiments of the present specification;

fig. 3 is a process flow diagram of a payment processing method applied to a first-term delay scenario according to one or more embodiments of the present specification;

FIG. 4 is a schematic diagram of a payment processing apparatus according to one or more embodiments of the present disclosure;

fig. 5 is a schematic structural diagram of a payment processing apparatus according to one or more embodiments of the present disclosure.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

An embodiment of a payment processing method provided in this specification:

referring to fig. 1, which shows a processing flow chart of a payment processing method provided by the present embodiment, referring to fig. 2, which shows a processing flow chart of a payment processing method applied to an initial payment scenario provided by the present embodiment, referring to fig. 3, which shows a processing flow chart of a payment processing method applied to an initial delay scenario provided by the present embodiment.

Referring to fig. 1, the payment processing method provided in this embodiment is applied to a fulfillment platform, and specifically includes steps S102 to S106.

Step S102, a fulfillment plan is assembled according to staging parameters of service products configured by a service party and order information of target orders of the service products by users.

In practical application, commodities paid by stages need to be paid by stages regardless of consumption of users, light asset service parties such as education industry service parties and fitness industry service parties have high service party failure risks, money is paid to the service parties at one time, service provided by the service parties is easy to be induced to fail, fund recollection of the users is difficult after the services fail, and the users need to pay by stages regardless of the business states of the service parties if the users pay by stages.

The payment processing method provided in this embodiment is to pay the service provider once according to a certain period, that is, the user pays once and makes money for the service provider once, and can stop payment for the corresponding fulfillment plan in real time under the condition that the service provider is in an abnormal operating state, and the user does not need to pay the subsequent non-fulfillment information after stopping payment, and in addition, the user can experience and pay again, and the experience user can pay back at any time, specifically, in the case that the user selects the service for payment by stages, the fulfillment plan is assembled according to the service provider's configuration of the service product by stages, the payment period by stages and the product amount in the target order, and then the fulfillment plan is activated according to the collection configuration information configured by the service provider, and finally the payment processing is performed on the corresponding fulfillment information according to the fulfillment time in the fulfillment plan obtained by activation, so as to realize one-by-stage payment, the method and the system avoid the loss of the user caused by the interruption of the service provided by the service party after the user pays the full-flow fee to the service party at one time.

The staging parameters described in this embodiment include staging times and/or staging payment periods. The fulfillment plan refers to an information set that includes fulfillment information of each installment and is assembled based on the installment and/or the installment payment cycle, and in a specific implementation, the fulfillment plan performs payment processing according to fulfillment conditions of each fulfillment information included after activation, for example, a service party configures a total price of a service product to be 1000 yuan, the installment is 5 days, and the installment payment cycle is one month, the fulfillment plan of the service product includes 5 fulfillment information, and a fulfillment amount of each fulfillment information is 200 yuan.

In practical application, if the amount of money of the service product provided by the service party is large, the user cannot pay at one time, so that the utilization rate of the service product is low, the service party provides the service of payment in stages for the user in order to increase the utilization rate of the service product by the user, and the user can pay the cost of the service product in a mode of payment in stages, so that the payment pressure of the user is reduced, and the utilization rate of the service product is improved.

In order to ensure the reliability of the user identity and the server identity, and ensure the reliability of the transaction, the order platform needs to determine the user identity and the server identity, and in an optional implementation manner provided in this embodiment,

obtaining ordering operation of the user on the service product;

performing admission verification on the user and the server based on the ordering operation;

if the verification is passed, performing order placing page rendering of a product order corresponding to the target order, wherein the order placing page is configured with available identification of the installments payment;

and if the verification fails, performing order-placing page rendering of the product order corresponding to the target order, wherein the order-placing page is configured with the unavailable identification of the installments payment.

Specifically, a user pays by using a staged payment mode and needs to open credit granting service, when an order platform receives an order placing operation of the user on a service product, the order platform inquires whether a user identifier has a user authentication identifier, inquires whether a service party has a service party authentication identifier, inquires whether the user opens the credit granting service and/or inquires whether the service party signs a credit granting contract, if so, the admission verification is determined to be passed, and the available identifier of the staged payment is displayed under the condition that the verification is passed.

In specific implementation, in order to ensure the validity of the transaction, the user can pay for the service product in a staged payment mode only under the condition that the credit line in the credit service of the user is larger than the staged amount of the service product. In an optional implementation manner provided in this embodiment, it is determined whether the credit line of the user is greater than the installment amount of the service product in the following manner:

calling a credit line granting platform to inquire the credit line of the user according to the user identification and the staging amount contained in the payment consultation request; the payment consultation request is generated by the order platform;

verifying whether the credit line of the user meets the staging condition;

if so, sending a verification result passing the verification to an order platform so that the order platform displays the available state of the staged payment to the user according to the verification result;

if not, sending a verification result that the verification fails to pass to the order platform so that the order platform carries out verification failure reminding to the user according to the verification result.

Specifically, after the order platform performs access verification on the user and the server and the access verification is passed, a payment consultation request is generated and sent to a fulfillment platform, the fulfillment platform inquires the credit line of the user from the credit platform according to a user identifier contained in the payment consultation request, after the credit line returned by the credit platform is obtained, whether the credit line is larger than the installments is judged, if yes, an available prompt is sent to the order platform, so that the order platform shows the available state of installments to the user, and if not, an unavailable prompt is sent to the order platform, so that the order platform shows the unavailable state of installments to the user. Wherein, the staging amount can be obtained by calculation according to the product amount and the staging parameter.

In order to further ensure the validity and reliability of the transaction, before the user submits a payment confirmation request for the target order, the target order needs to be verified in a trusted manner, and in an optional implementation manner provided in this embodiment, the target order is verified in a trusted manner in the following manner:

calling the trust platform to perform credible verification on the target order according to the query request of the payment platform on the target order;

if the verification result of the credit authorization platform is that verification is passed, determining that the target order is valid, and sending the verification result to the order platform so that the order platform displays a payment confirmation prompt to the user based on the verification result;

and if the verification result of the credit platform is that the verification fails, determining that the target order is invalid, and sending the verification result to the order platform so that the order platform sends a payment mode selection prompt to the user based on the verification result.

Specifically, an order submitting instruction configured in a product order placing page corresponding to a target order is triggered by a user, a query request for the target order is sent to a fulfillment platform through a payment platform, the fulfillment platform calls a trust platform to perform trusted verification on the target order, the user and/or a service party corresponding to the target order after receiving the query request, a verification result that the verification is passed is returned to the order platform when the trusted verification is passed, and a verification result that the verification is not passed is returned to the order platform when the trusted verification is not passed.

For example, when detecting the order placing operation of the product service by the user, the order platform queries whether the user corresponding to the order placing operation is an authenticated user, queries whether the corresponding service party is an authenticated service party, simultaneously queries whether the user has an opening identifier for opening the authorization service, and queries whether the service party signs a staging contract; if so, displaying the payment component for the installments payment to the user on the ordering page of the user; after the payment component is triggered, sending a payment consultation request to a fulfillment platform, inquiring the credit line of the user from the credit platform by the fulfillment platform based on the user identification in the payment consultation request, judging whether the credit line is larger than the installments in the payment consultation request, if the credit line is larger than or equal to the installments in the payment consultation request, not processing, if the credit line is smaller than the installments in the payment consultation request, sending a judgment result that the credit line is smaller than the installments in the installments to an order platform, and after receiving the judgment result, displaying the judgment result to the user and canceling the selection of the payment component by the user by the order platform. The order platform sends a query request aiming at a target order to a fulfillment platform through a payment platform under the condition that an order submitting control of a placing page is detected by a user, and the fulfillment platform sends the target order to a credit granting platform after receiving the query request so that the credit granting platform can carry out credible verification on the target order, the user corresponding to the target order and a service party; if the verification result forwarded by the fulfillment platform received by the order platform is that the verification is passed, a payment confirmation reminding page aiming at the staged payment is displayed to the user; and if the verification result forwarded by the fulfillment platform received by the order platform is that the verification is not passed, sending a selection page of the payment mode to the user based on the optional payment mode of the user.

If the trusted verification of the target order passes and the confirmed payment operation is submitted, assembling a fulfillment plan based on the target order and staging parameters of the service product configured by the service party, in an optional implementation manner provided in this embodiment, assembling the fulfillment plan by:

reading the order amount of the target order;

calculating the staging amount according to the order amount and the staging mode of the service product;

assembling the fulfillment plan based on the staging pattern and the staging amount.

It should be noted that the fulfillment plan is assembled according to the staging times and the staging payment cycles, and the fulfillment time is not written in each piece of fulfillment information of the assembled fulfillment plan, and the fulfillment plan is in an inactive state at this time.

Step S104, according to the collection configuration information of the service product configured by the service party, activating the fulfillment plan.

The collection configuration information refers to configuration parameters of the server for the first term fulfillment information in the fulfillment plan, wherein the collection configuration information can be in a first term payment mode or a first term delay mode; the initial payment mode is to perform initial performance under the condition that the user submits the confirmed payment operation, and the initial delay mode is to determine the initial performance time according to the initial delay parameter configured by the service party and perform the initial performance under the condition that the arrival of the initial performance time is detected.

In practical application, because the installment payment service and the service product of the service party do not have an association relationship, a personalized experience period service cannot be provided for a user, and in order to improve the perception degree of the user on the service product, the service party configures the experience period of the service product, so that the user can carry out first payment under the condition that the experience period is over, thereby improving the user experience and improving the acceptance rate of the user on service goods.

In a first optional implementation manner provided by this embodiment, the service party does not configure the experience period of the service item (i.e. the initial payment type), so that, when the user submits a payment confirmation operation for the target order, the fulfillment plan is activated, and after activation, payment processing is performed according to the fulfillment plan; in the process of activating the fulfillment plan corresponding to the initial payment type, the following steps are executed:

if the collection configuration information is of an initial payment type, determining the fulfillment conditions of each fulfillment period in the fulfillment plan based on the operation time and/or staging mode of the order placing confirmation operation of the user on the target order;

and writing the fulfillment conditions into fulfillment information corresponding to each fulfillment period, and activating the fulfillment plan.

For example, if the service party configures a total price of a service product to be 1000 yuan, the number of installments is 5, and the installment payment period is one month, the fulfillment plan of the service product includes fulfillment information of 5 installments, the fulfillment amount of each fulfillment information is 200 yuan, it is read that the collection configuration parameter configured by the service party for the service product is the initial payment type, when it is detected that the user submits a confirmation payment operation, the operation time of the confirmation payment operation is taken as the fulfillment time of the initial fulfillment information, the fulfillment time of the next 4 installments is determined according to the initial fulfillment time, the corresponding fulfillment time is written into the fulfillment information, and the fulfillment plan written into the fulfillment time is activated. Wherein, the time of the user submitting the confirmation payment operation is 3 months and 10 days, the time of 3 months and 10 days is taken as the first stage performance time, and as the installment payment period is one month and one payment, the second stage performance time is determined to be 4 months and 10 days, the third stage performance time is determined to be 5 months and 10 days, the fourth stage performance time is determined to be 6 months and 10 days, and the fifth stage performance time is determined to be 7 months and 10 days.

It should be noted that the fulfillment plan can perform fulfillment processing according to the corresponding fulfillment conditions only after being activated.

In practical application, the service quality provided by the service party is not satisfied by the user, or the service quality provided by the service party subsequently does not conform to the description after the user pays, so that the user can sense the service quality of the service product and the service state of the service party without paying by configuring the experience period, and the payment processing is performed under the condition that the user is satisfied with the service quality in the experience period.

Based on this, in a second optional implementation manner provided in this embodiment, in order to improve the perception degree of the user on the service product, the user may experience the service product after receiving the service product, pay the service product in stages after the experience period is over, and if the payment configuration information configured by the service provider on the service product is of the first delay type, in the process of activating the fulfillment plan, execute the following steps:

if the collection configuration information is of a first-stage delay type, after product delivery operation of the service product by the service party sent by an order platform is acquired, writing corresponding performance conditions in each performance information of the performance plan based on operation time of the product delivery operation and/or the staging parameters;

obtaining product confirmation operation sent by the order platform, and determining target performance conditions of each performance information based on the operation time of the product confirmation operation, the staging mode and/or the initial delay parameter;

and writing the target performance condition into corresponding performance information, and performing activation processing on the performance plan.

For example, the fulfillment information includes fulfillment information of 5 days, the installment payment period is one month, the service type of the service product is an initial delay mode, after acquiring "delivery operation" of the service product by the service party in 11 days in 3 months, according to one in 11 days in 3 months and a ten-day experience period of the service product, the fulfillment time of the initial fulfillment information is determined to be 21 days in 3 months, and the fulfillment time of each fulfillment information is sequentially acquired, at 24 days in 3 months, an operation of "confirm receipt" of the service product by the user is detected, the user enters the experience period, according to the receipt time and the experience period of the user, the fulfillment time of the initial fulfillment information of the user is determined to be 4 months and 4 days in 4 months in the first term, the fulfillment time of the second term is 5 months and 4 days in the third term, the fulfillment time of the third term is 6 months and 4 days in the fourth term is 7 months and 4 days in the fulfillment time of the fifth term is 8 months and 4 days, and updating the performance time of each period into corresponding performance information, and activating the updated performance information.

In addition, in order to improve the convenience of the user for enjoying the service product, if the user is not satisfied with the service product within the experience period, the user can return the product in real time, in an optional implementation manner provided by this embodiment, in the process of returning the service product by the user, a payment stop request for the fulfillment plan synchronized by the order platform is first obtained; then judging whether the first stage fulfillment time of the fulfillment plan is reached; if yes, carrying out payment stop marking on the information to be performed or carrying out refund operation; and if not, carrying out payment stopping marking on the fulfillment plan, and sending a payment stopping result to the order platform so that the order platform carries out recovery operation on the service product.

Step S106, after detecting that the fulfillment condition of the target level in the activated fulfillment plan is triggered, performing payment processing of the target level based on the credit line of the user corresponding to the target order.

Corresponding to the first optional implementation manner and the second optional implementation manner provided above, this embodiment further provides a corresponding payment processing manner.

In specific implementation, corresponding to the first optional implementation manner, if the payment configuration information is of an initial payment type, after detecting that a fulfillment condition of a target level in the fulfillment plan after activation is triggered, in an execution process of performing payment processing of the target level based on a credit line of a user corresponding to the target order, the following steps are performed:

when the activation of the fulfillment plan is detected, calling a credit line of the user to freeze a credit line amount of the user based on a fulfillment amount in first-stage fulfillment information of the fulfillment plan;

and if the freezing is successful, calling a payment platform to transfer the resource corresponding to the performance amount from the transaction provider to the service party.

Corresponding to the second optional implementation manner, if the collection configuration information is of an initial delay type, after detecting that a fulfillment condition of a target level in the fulfillment plan after activation is triggered, in an execution process of performing payment processing of the target level based on a credit line of a user corresponding to the target order, the following steps are executed:

under the condition that the first-stage performance time in the performance plan is detected to reach, calling a credit granting platform to freeze the credit granting amount of the user according to the performance amount in the first-stage performance information;

Specifically, the initial payment mode is to activate the fulfillment plan and perform the first fulfillment information when the user submits a confirmation payment operation; the first delay mode is to determine each fulfillment time according to the operation time of the product confirmation operation of the user and the first delay parameter, write the fulfillment time into corresponding fulfillment information and activate a fulfillment plan, and perform fulfillment on the first fulfillment information when the arrival of the first fulfillment time is detected.

Further, after performing the first-stage fulfillment, it is necessary to detect remaining information to be performed in the fulfillment plan, and perform payment processing when the fulfillment condition is triggered, in an optional implementation manner provided in this embodiment, the payment processing is performed on the information to be performed in the following manner:

determining information to be performed in the performance plan;

sorting the information to be performed according to the performing time of the information to be performed;

detecting the fulfillment time of the information to be fulfilled according to the sorting sequence of the information to be fulfilled;

under the condition that the sequential fulfillment time is triggered, calling a credit line of the user to freeze according to a fulfillment amount in the to-be-fulfilled information to which the sequential fulfillment time belongs;

For example, a fulfillment plan of a service product includes 5 pieces of fulfillment information, the fulfillment amount of each fulfillment information is 200 yuan, the first fulfillment time is 4 months and 4 days, when 4 months and 4 days are reached, a credit granting platform is called to freeze the credit granting amount of the user 200, a payment platform is called to transfer resources corresponding to the user 200 to the service party from the transaction provider, the information to be fulfilled in the fulfillment plan is detected according to the time sequence, and when 5 months and 4 days, 6 months and 4 days, 7 months and 4 days and 8 months and 4 days are detected to arrive, the credit granting amount of the user 200 of the credit granting platform is called, and the payment platform is called to transfer the resources corresponding to the user 200 from the transaction provider.

In practical application, in order to prevent a service party from not providing a corresponding service product to a user under the condition of acquiring resources in a fulfillment process, the user may initiate a payment suspension so that the user does not need to perform fulfillment on fulfillment information, or after fulfillment is completed, the user is dissatisfied with the service product and needs to refund.

In a specific implementation, after the user submits an order request through the order platform, a refund is performed on the target order or a stop payment is performed on a fulfillment plan corresponding to the target order, in an optional implementation manner provided in this embodiment, the refund or the stop payment is performed specifically in the following manner:

inquiring whether the fulfillment plan has information to be fulfilled or not according to an order request sent by an order platform;

if not, calling a payment platform to return the resources transferred to the service party based on the fulfillment plan;

calling a credit authorization platform to unfreeze the credit authorization amount of the user based on the return operation, and/or returning the repayment operation of the user aiming at the frozen amount;

carrying out refund marking on the performance plan according to the unfreezing result and/or the returning result;

verifying whether the resource returned by the resource is consistent with a performance amount corresponding to the performance plan; if the refund is consistent with the refund, determining that the refund is successful; if not, determining that the refund fails;

if yes, unfreezing the credit line of the user based on the information to be performed, and performing payment stopping marking on the information to be performed;

verifying whether the amount of the to-be-performed contract information is consistent with the unfrozen credit line or not; if the payment is consistent with the payment, determining that the payment is successfully stopped; and if not, determining that the payment stopping fails.

Specifically, in the process of refund, the resource transferred to the service side based on the performance plan needs to be returned, then the credit line of the user needs to be updated, and in order to ensure the resource security of the user, the resource returned from the service side needs to be checked against the performance amount corresponding to the performance plan. In the process of stopping payment, the payment of the information to be performed is stopped, and in order to ensure the resource safety of the user, the amount of money to be performed of the information to be performed and the unfrozen credit line of the user need to be checked.

For example, according to an order request sent by an order platform, whether the fulfillment plan has information to be fulfilled is inquired; if the 1000 yuan is not present, calling a payment platform to return the 1000 yuan transferred to the service party, if the corresponding user quota is not paid by the user, transferring the 1000 yuan to a transaction provider, unfreezing the credit line of the user, if the corresponding user quota is paid by the user, transferring the 1000 yuan to a user account, transferring the 1000 yuan, and then marking a performance plan for refunding.

For another example, according to an order request sent by an order platform, whether the fulfillment plan has information to be fulfilled is inquired; if the payment processing is inquired to be performed on the first three stages of the 5-stage performance information, performing payment suspension marking on the fourth-stage performance information and the fifth-stage performance information, and after the payment suspension marking is performed, under the condition that the fourth-stage performance time or the fifth-stage performance time is reached, not triggering the performance condition.

In addition, if the user releases the authorization service, the user inquires the performance plan of the user, if the performance plan in the performance exists, the user is required to pay the performance amount corresponding to the remaining information to be performed for one time, and if the inactivated performance plan exists, the terminal user releases the operation to remind the user to negotiate with the service party to terminate the performance. In an optional implementation manner provided in this embodiment, if a release operation of the user on the credit granting service is detected, whether an inactivated fulfillment plan corresponding to the user exists is queried based on the release operation; if yes, terminating the releasing operation, and sending a prompt to the user based on the inactive fulfillment plan; if not, inquiring whether the user has corresponding information to be performed; if yes, calculating the total amount of the to-be-performed contract information, and sending a payment prompt to the user based on the total amount of the to-be-performed contract; after the payment operation of the user on the total amount to be performed is obtained, the user releases the credit service; if not, releasing the credit granting service of the user.

It should be noted that, when the performance is completed, or the payment is successfully stopped, or the refund is successful, the information to be performed in the performance plan is empty, and if it is detected that the information to be performed in the performance plan is empty, it is verified whether the frozen quota of the user is consistent with the number of resources provided by the transaction provider based on the performance plan; if yes, returning a payment success prompt to the order platform; calling a separate accounting platform to perform separate accounting processing based on the fulfillment plan; if not, determining that the payment fails, inquiring the failure reason and returning to the order platform.

The payment processing method provided in this embodiment is further described below by taking an application of the payment processing method provided in this embodiment in an initial payment scenario as an example, referring to fig. 2, the payment processing method applied in the initial payment scenario specifically includes steps S202 to S216.

Step S202, calling a credit granting platform to inquire the credit granting amount of the user according to the user identification and the installments included in the payment consultation request.

The payment consultation request is generated by the order platform, and the order platform sends the payment consultation request to the fulfillment platform through the payment platform after generating the payment consultation request.

Before that, the order platform performs admission verification according to the order placing operation of the education service products by the user, and generates a payment consultation request under the condition that the verification is passed.

Step S204, judging whether the credit line of the user meets the credit condition;

if yes, sending a condition conformity prompt to the order platform so that the order platform can display the available state of the staged payment, and executing the step S206 to the step S216;

if not, sending a prompt that the conditions are not met to the order platform so that the order platform can display the unavailable state of the staged payment.

And sending the condition-meeting reminding or the condition-non-meeting reminding to the order platform through the payment platform.

And step S206, calling a trust platform to perform credible verification on the target order according to the query request of the payment platform on the target order.

And S208, assembling a fulfillment plan according to the staging times and the staging payment periods of the service products configured by the education service side and the order amount of the target order.

Step S210, using the operation time of the user submitting the confirmation payment operation as the performance time of the first performance information in the performance plan, and calculating the performance time of each performance information in the performance plan.

Specifically, after receiving the payment confirmation operation of the user, the order platform forwards the payment confirmation operation to the fulfillment platform through the payment platform.

Step S212, writing each fulfillment time into the corresponding fulfillment information, and performing activation processing on the fulfillment plan.

Step S214, the credit granting platform is called to freeze the credit granting amount of the user based on the amount of performing in the first-stage performing information in the performing plan.

Step S216, the payment platform is called to transfer the resource corresponding to the performance amount from the transaction provider to the education service side.

Then, if an order request sent by an order platform is detected, whether the fulfillment plan has information to be fulfilled or not is inquired; if yes, unfreezing the credit line of the user based on the information to be performed, and performing payment stop marking on the information to be performed; verifying whether the amount of the to-be-performed contract information is consistent with the unfrozen credit line or not; if the payment is consistent with the payment is determined to be successful, and if the payment is not consistent with the payment, the payment is failed to be paid; if not, calling a payment platform to return the resources transferred to the education service side based on the performance plan, transferring the returned resources to a transaction provider, calling a credit granting platform to unfreeze the credit line of the user based on the returned resources after the transfer is successful, or returning the repayment operation of the user for the credit line; carrying out refund marking on the performance plan according to the unfreezing result or the refund result; verifying whether the returned resource is consistent with a performance amount corresponding to the performance plan; if the refund is consistent with the refund payment request.

The following further describes the payment processing method provided in this embodiment by taking an application of the payment processing method provided in this embodiment in a first-term delay scenario as an example, referring to fig. 3, the payment processing method applied in the first-term delay scenario specifically includes steps S302 to S314.

Step S302, a fulfillment plan is assembled according to the staging times and the staging payment periods of the service products configured by the service side and the order amount of the target order.

Step S304, after the product delivery operation of the reading product by the service side sent by the order platform is obtained, writing corresponding fulfillment conditions in each fulfillment information in the fulfillment plan based on the operation time, the first delay parameter and the staging parameter.

Step S306, according to the product confirmation operation sent by the order platform, determining the first stage performance time of the performance plan based on the operation time and the first stage delay parameter.

Step S308, determining the performance time of each performance information in the performance plan according to the initial performance time and the staging parameters.

Step S310, the fulfillment time is updated to the fulfillment plan, and the fulfillment plan is activated.

Step S312, when the first stage performance time is detected to arrive, the credit granting platform is called to freeze the credit granting amount of the user according to the performance amount in the first stage performance information.

Step S314, the payment platform is called to transfer the resource corresponding to the performance amount from the transaction provider to the server.

To sum up, in the payment processing method provided in this embodiment, a fulfillment plan is assembled according to staging parameters of a service product configured by a service party and order information of a target order of the service product for a user, then the fulfillment plan is activated according to payment configuration information of the service product configured by the service party, and after detecting that fulfillment conditions of the target order in the activated fulfillment plan are triggered, payment processing of the target order is performed based on a credit line of the user corresponding to the target order, so that the user can stop payment on the fulfillment plan to ensure resource security of the user.

An embodiment of a payment processing apparatus provided in this specification is as follows:

in the above embodiments, a payment processing method is provided, and a payment processing apparatus is provided, which is described below with reference to the accompanying drawings.

Referring to fig. 4, a schematic diagram of a payment processing apparatus provided in the present embodiment is shown.

Since the device embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions may refer to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides a payment processing apparatus, including:

a plan assembling module 402, configured to assemble a fulfillment plan according to staging parameters of a service product configured by a service party and order information of a target order of the service product by a user;

a plan activation module 404 configured to activate the fulfillment plan according to the payment configuration information of the service product configured by the service party;

a payment processing module 406, configured to, after detecting that a fulfillment condition of a target installment in the activated fulfillment plan is triggered, perform payment processing of the target installment based on a credit line of a user corresponding to the target order.

The embodiment of a payment processing device provided by the specification is as follows:

corresponding to the above-described payment processing method, based on the same technical concept, one or more embodiments of the present specification further provide a payment processing apparatus for executing the above-described provided payment processing method, and fig. 5 is a schematic structural diagram of a payment processing apparatus provided in one or more embodiments of the present specification.

The present embodiment provides a payment processing apparatus, including:

as shown in fig. 5, the payment processing apparatus may have a relatively large difference due to different configurations or performances, and may include one or more processors 501 and a memory 502, where the memory 502 may store one or more stored applications or data. Memory 502 may be, among other things, transient or persistent storage. The application program stored in memory 502 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in the payment processing apparatus. Still further, the processor 501 may be arranged in communication with the memory 502, executing a series of computer executable instructions in the memory 502 on the payment processing device. The payment processing apparatus may also include one or more power supplies 503, one or more wired or wireless network interfaces 504, one or more input/output interfaces 505, one or more keyboards 506, and the like.

In one particular embodiment, a payment processing apparatus includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the payment processing apparatus, and configured for execution by the one or more processors the one or more programs include computer-executable instructions for:

assembling a fulfillment plan according to staging parameters of service products configured by a service party and order information of target orders of the service products by users;

activating the fulfillment plan according to the payment configuration information of the service product configured by the service party;

and after detecting that the activated performance condition of the target term in the performance plan is triggered, performing payment processing of the target term based on the credit line of the user corresponding to the target order.

An embodiment of a storage medium provided in this specification is as follows:

corresponding to the above-described payment processing method, based on the same technical concept, one or more embodiments of the present specification further provide a storage medium.

The storage medium provided in this embodiment is used to store computer-executable instructions, and when executed, the computer-executable instructions implement the following processes:

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the payment processing method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the foregoing corresponding method, and repeated details are not described here.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 30 s of the 20 th century, improvements in a technology could clearly be distinguished between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: the ARC625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.

One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. A payment processing method, comprising:

2. The payment processing method of claim 1, wherein before the step of assembling a fulfillment plan according to staging parameters of a service product configured by a service provider and order information of a target order of the service product by a user is executed, the method further comprises:

verifying whether the credit line of the user meets the staging condition;

3. The payment processing method of claim 2, the order platform performing the following operations prior to generating the payment consultation request:

obtaining ordering operation of the user on the service product;

and if the verification is passed, rendering an order placing page of the product order corresponding to the target order, wherein the order placing page is configured with the available identification of the installments payment.

4. The payment processing method of claim 2, further comprising:

5. The payment processing method of claim 1, wherein the activating the fulfillment plan according to the payment configuration information of the service product configured by the service party comprises:

6. The payment processing method as claimed in claim 5, wherein the performing of the payment processing of the target installment based on the credit line of the user corresponding to the target order after detecting that the fulfillment condition of the target installment in the activated fulfillment plan is triggered comprises:

7. The payment processing method of claim 1, wherein the activating the fulfillment plan according to the payment configuration information of the service product configured by the service party comprises:

8. The payment processing arrangement of claim 7, further comprising:

acquiring a payment stopping request for the fulfillment plan synchronized by an order platform;

determining whether a first fulfillment time of the fulfillment program is reached;

and if not, carrying out payment stopping marking on the fulfillment plan, and sending a payment stopping result to the order platform so that the order platform carries out recovery operation on the service product.

9. The payment processing method as claimed in claim 7, wherein the performing of the payment processing of the target installment based on the credit line of the user corresponding to the target order after detecting that the fulfillment condition of the target installment in the activated fulfillment plan is triggered comprises:

10. The payment processing arrangement of claim 1, further comprising:

determining information to be performed in the performance plan;

11. The payment processing method as claimed in claim 1, further comprising, after the step of performing the payment processing procedure for the target number of times based on the credit line of the user corresponding to the target order after detecting that the fulfillment condition for the target number of times in the activated fulfillment plan is triggered, the step of:

verifying whether the resource returned by the resource is consistent with a performance amount corresponding to the performance plan; and if the refund is consistent with the refund, determining that the refund is successful.

12. The payment processing method of claim 11, wherein if the step of querying whether there is information to be performed in the performance plan according to the order request sent by the order platform is executed, if so, the following steps are executed:

unfreezing the credit line of the user based on the to-be-performed information, and performing payment stop marking on the to-be-performed information;

verifying whether the amount of the to-be-performed contract information is consistent with the unfrozen credit line or not; and if the payment is consistent with the payment, determining that the payment is successfully stopped.

13. The payment processing method of claim 1, wherein assembling a fulfillment plan according to staging parameters of a service product configured by a service provider and order information of a target order of the service product by a user comprises:

reading the order amount of the target order;

14. The payment processing method of claim 1, further comprising:

if the user's releasing operation on the credit granting service is detected, inquiring whether an inactivated fulfillment plan corresponding to the user exists or not based on the releasing operation;

if yes, terminating the releasing operation, and sending a prompt to the user based on the inactive fulfillment plan;

if not, inquiring whether the user has corresponding information to be performed;

if yes, calculating the total amount of the to-be-performed contract information, and sending a payment prompt to the user based on the total amount of the to-be-performed contract;

and after the payment operation of the user on the total amount to be performed is obtained, the user releases the credit service.

15. The payment processing method of claim 1, further comprising:

if the information to be performed in the performance plan is detected to be empty, verifying whether the frozen quota of the user is consistent with the number of resources provided by a transaction provider or not based on the performance plan;

if yes, returning a payment success prompt to the order platform;

and calling a billing platform to perform billing processing based on the fulfillment plan.

16. A payment processing apparatus comprising:

the plan assembling module is configured to assemble a fulfillment plan according to staging parameters of service products configured by a service party and order information of target orders of the service products by users;

the plan activation module is configured to activate the fulfillment plan according to the payment configuration information of the service product configured by the service party;

and the payment processing module is configured to perform payment processing of the target term based on the credit line of the user corresponding to the target order after detecting that the fulfillment condition of the target term in the activated fulfillment plan is triggered.

17. A payment processing apparatus comprising:

a processor; and the number of the first and second groups,

a memory configured to store computer-executable instructions that, when executed, cause the processor to:

18. A storage medium storing computer-executable instructions that when executed implement the following: