CN106327167A - Method and device of realizing network payment - Google Patents
Method and device of realizing network payment Download PDFInfo
- Publication number
- CN106327167A CN106327167A CN201510330912.XA CN201510330912A CN106327167A CN 106327167 A CN106327167 A CN 106327167A CN 201510330912 A CN201510330912 A CN 201510330912A CN 106327167 A CN106327167 A CN 106327167A
- Authority
- CN
- China
- Prior art keywords
- payment
- terms
- pay
- dimension values
- option dimension
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
- 238000000034 method Methods 0.000 title claims abstract description 39
- 230000004044 response Effects 0.000 claims abstract description 27
- 238000013475 authorization Methods 0.000 claims description 11
- 238000012795 verification Methods 0.000 claims description 11
- 230000006872 improvement Effects 0.000 abstract description 2
- 230000008569 process Effects 0.000 description 10
- 230000008859 change Effects 0.000 description 3
- 230000006870 function Effects 0.000 description 3
- 230000003287 optical effect Effects 0.000 description 3
- 230000005540 biological transmission Effects 0.000 description 2
- 238000004590 computer program Methods 0.000 description 2
- 230000000694 effects Effects 0.000 description 2
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 2
- 239000010931 gold Substances 0.000 description 2
- 229910052737 gold Inorganic materials 0.000 description 2
- 238000012545 processing Methods 0.000 description 2
- 230000015572 biosynthetic process Effects 0.000 description 1
- 238000012790 confirmation Methods 0.000 description 1
- 230000003247 decreasing effect Effects 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 238000010586 diagram Methods 0.000 description 1
- 239000004615 ingredient Substances 0.000 description 1
- 230000002452 interceptive effect Effects 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 238000004321 preservation Methods 0.000 description 1
- 230000003068 static effect Effects 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
- 230000007704 transition Effects 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The application provides a method of realizing the network payment. The method comprises the steps of sending a first payment request to a fund server of a payment channel providing party based on a first payment condition, wherein a payment condition of a payment channel comprises at least one option dimension possessing different possible values, and the first payment condition comprises a determined option dimension value; after the payment rejection response of the fund server is received, sending a second payment request to the fund server based on a second payment condition, wherein at least one option dimension value of the second payment condition is different from the first payment condition. According to the technical scheme of the application, the operating quantity when the users try to pay and the situations that the remote payment can not be finished via a network are reduced, and the payment success probability improvement will be facilitated.
Description
Technical field
The application relates to technical field of data processing, particularly relates to a kind of method realizing network payment and dress
Put.
Background technology
Along with the development of network technology, online transaction has become as counterparty important in people's life
Formula, carrying out network payment is then the requisite ingredient of online transaction process.
In the network payment of network payment, especially cross-border transaction, it is frequently encountered by agnogenic payment
Failure.In prior art, when running into the payment failure of this situation, the paying server of businessman or
The paying server of tripartite's platform can return payment failure to user and terminate this payment.User
Need to reopen the payment page of order, even need to return to shopping cart and pay next time and taste
Examination, complex operation inefficiency；For the user being unfamiliar with network payment, it is likely that experience is repeatedly
Attempt still having to drop the business, after consuming plenty of time and energy still because cannot successfully pay
So cannot obtain satisfied result.
Summary of the invention
In view of this, the application provides a kind of method realizing network payment, including:
The first payment request is sent to the fund server of channel of disbursement provider based on first terms of payment；
The terms of payment of described channel of disbursement include that at least one has the option dimension of different possible value, described
First terms of payment include the option dimension values determined；
After the refusal to pay receiving fund server responds, based on second terms of payment to fund server
Sending the second payment request, at least one option dimension values of described second terms of payment is different from first
The condition of paying.
Present invention also provides a kind of device realizing network payment, including:
First pays request unit, for taking to the fund of channel of disbursement provider based on first terms of payment
Business device sends the first payment request；The terms of payment of described channel of disbursement include that at least one has difference can
The option dimension of energy value, described first terms of payment include the option dimension values determined；
Second pays request unit, after responding in the refusal to pay receiving fund server, based on the
Two terms of payment send the second payment request, at least one of described second terms of payment to fund server
Option dimension values is different from first terms of payment.
From above technical scheme, in embodiments herein, in payments based on first terms of payment
After asking unsuccessfully, second terms of payment with different options dimension values are used again to initiate to pay request；
By operating in the said method or device paid on node, greatly reduce user and taste carrying out payment
Operational ton during examination, improves the efficiency of user；Own simultaneously because the embodiment of the present application provides trial
The means of the terms of payment of option dimension values, are favorably improved the successful probability of payment, and minimizing cannot be passed through
Network completes the situation of remote payment and occurs.
Accompanying drawing explanation
Fig. 1 is the flow chart of a kind of method realizing network payment in the embodiment of the present application；
Fig. 2 is the interactive stream between terminal in the application application example, paying server and fund server
Cheng Tu；
Fig. 3 is a kind of hardware structure diagram of terminal or server；
Fig. 4 is the building-block of logic of a kind of device realizing network payment in the embodiment of the present application.
Detailed description of the invention
When user carries out network payment, the most first determine the channel of disbursement that payment is used.Channel of disbursement
Including the credit card, debit card, user at the fund account etc. of Third-party payment platform, it should be noted that
The different card of same user or fund account belong to different channel of disbursement.Each channel of disbursement has
The respective terms of payment, according to the type of channel of disbursement and channel of disbursement provider (as issuing bank,
Tripartite's payment platform etc.) function that provided, the terms of payment can include various different dimension, such as
The currency type of payment, authorization etc..These dimensions can determine that dimension, such as certain channel of disbursement
May be only used for RMB receipt and payment, then the currency type of this channel of disbursement belongs to and determines dimension；It can also be option
Dimension, option dimension has two and above possible value, can be selected which to use by user
Dimension values constitutes the terms of payment.
To including the channel of disbursement of the option dimension terms of payment, in network payment, the most cross-border payment,
The provider of the channel of disbursement often terms of payment to different options dimension values arrange the strict journey of different verifications
Degree.Such as, using the verification Stringency of local currency type, the verification usually less than using U.S. dollar to pay is tight
Lattice degree；For another example, to the verification using 3D to pay (Three-Domain Secure, payment verification)
Stringency, usually less than uses MOTO to pay (Mail Order and Telephone Order
Payment, without card pay) verification Stringency.In other words, use the value of currency type option dimension for working as
Ground currency type the terms of payment time, pay successful probability usually above use currency type option dimension value for U.S.
The terms of payment of gold；When using the terms of payment that value is 3D payment of authorization option dimension, pay
Successfully probability is the terms of payment that MOTO pays usually above the value using authorization option dimension.
Therefore, to the channel of disbursement determined, (one is included to multiple choosings when using set of option dimension values
The concrete value of dimension) the terms of payment carry out paying and paying failure after, option dimension can be changed
Other values again attempt to, it is possible to be paid for channel provider accept and pay successfully.
Embodiments herein provides a kind of new method realizing network payment, energy after paying unsuccessfully
Enough replacings have the terms of payment of different options dimension values and again initiate to pay request, thus are reducing user
Reduce, while operation, raising user's efficiency, the situation that cannot successfully realize network payment, existing to solve
Problem present in technology.
According to the difference of actual application scenarios, the method in the embodiment of the present application can be applied and prop up different
Pay on node.Such as, taken by the paying server of businessman or the payment of Third-party payment platform as user
Business device is when channel of disbursement provider applies for paying, if taken by the payment of businessman or Third-party payment platform
Business device carries out message transmission, then this Shen between the fund server of user terminal and channel of disbursement provider
Please the method in embodiment can apply on the paying server of businessman or Third-party payment platform.For another example,
If user terminal is directly when the fund server application of channel of disbursement provider pays, the application implements
The method of example can be applied on the subscriber terminal.
It should be noted that the paying server of businessman or Third-party payment platform refers to that operation realizes user
The physically or logically entity at the software place of payment function, by with user terminal, channel of disbursement provider
Fund server between message come and gone payment flow；The fund server of channel of disbursement provider
Refer to run the physically or logically entity at the software place of operation user's fund account, such as, channel of disbursement
For during the credit card being the background system of issuing bank, channel of disbursement is the fund of Third-party payment platform
Can be that Third-party payment platform is for managing the server of user's fund account during account.The reality of the application
Execute in example and paying server, fund server, the kind of user terminal, the form that implements are not limited
Fixed.
In the present embodiment, it is achieved the flow process of the method for network payment is as shown in Figure 1.
Step 110, sends first based on first terms of payment to the fund server of channel of disbursement provider
Pay request.
In embodiments herein, when user pays, the terms of payment of the channel of disbursement used
Including at least one option dimension.As it was previously stated, option dimension have two or more different can
Can value.When using different option dimension values, be equivalent to use the different terms of payment to carry out propping up
Pay.
Pay node and (include the paying server of businessman, the paying server of Third-party payment platform, use
Family terminal etc.) send the first payment request to fund server, first pays request uses the first payment bar
Part (has the option dimension values determined).Pay node and can select to determine the according to user current
The option dimension values of one terms of payment, it is also possible to obtain the first payment bar according to the default setting of this user
The option dimension values of part, it is also possible to determine the first payment according to the default setting between fund server
The option dimension values of condition, does not limits in the present embodiment.
Step 120, receive fund server refusal to pay respond after, based on second terms of payment to
Fund server sends the second payment request, and at least one option dimension values of second terms of payment is different from
First terms of payment.
If fund server is refusal to pay to paying, based on first terms of payment, the response asking to return,
Pay the node change terms of payment, use and have and second of the first terms of payment different options dimension values
The condition of paying is initiated to pay request again.To the channel of disbursement having more than an option dimension, can be only
The value of one option dimension of amendment obtains second terms of payment, it is also possible to amendment two or two simultaneously
The value of above option dimension.Owing to channel of disbursement provider is generally suitable for difference to the different terms of payment
Verification Stringency, therefore change the terms of payment after the most successfully pay.
According to actual application scenarios demand, pay node and various ways can be used to determine the second payment
Condition.
In one example, receive fund server refusal to pay respond after, pay node can to
Family recommends to use the option dimension values (at least an option dimension values is different) being different from first terms of payment
Attempt again paying, if user agree to, then using recommend option dimension values as second terms of payment
Option dimension values, determine second terms of payment, and send to fund server based on second terms of payment
Second pays request.
In second example, can by pay node receive fund server refusal to pay response after,
The option dimension values different from first terms of payment is used to generate second terms of payment (at least voluntarily
Option dimension values is different), and utilize second the generated terms of payment to initiate the second payment request, this
Process can be without user intervention.
To paying the application scenarios that node is paying server, in above-mentioned two example, businessman or third party prop up
Pay platform paying server can by the payment process of multiple users, sum up similar channel of disbursement (as
The credit card of certain bank, certain class T-account of certain Third-party payment platform) provider to which or
The verification of which terms of payment is the loosest, uses which or which terms of payment to be easier to be propped up in other words
Pay channel provider to accept；When, after the response receiving refusal to pay, recommending to user or directly adopt
With being more prone to by the terms of payment of this channel of disbursement provider acceptance, being used for the payment initiated next time please
Ask.
In 3rd example, pay node can receive fund server refusal to pay respond after, to
User shows the interface being used to specify option dimension values, and the option dimension values user obtained specified is made
It it is the option dimension values of second terms of payment.In option dimension values specified by user, at least one not
It is same as the option dimension values of first terms of payment.
Above three example determining, the mode of the second terms of payment option dimension values can be used alone, also
Can be used in combination.Such as, after receiving refusal to pay response, paying node can first recommend to user
New option dimension values, if user agrees to, is then used for second terms of payment by the option dimension values of recommendation；
If user disagrees, then user is allowed to select the option dimension values of second terms of payment voluntarily.
When paying based on the different terms of payment, need the payment information provided to fund server
(such as account or card number, password, effect duration, reserved confirmation etc.) may be different.?
Before receiving the response of refusal to pay, pay node and provide this user with first to fund server
Pay payment information required during conditional payoff；If the payment information needed for second terms of payment is at first
In the range of payment information needed for the condition of paying, then paying node can be sent to the payment information of preservation
Fund server is without again obtaining from user；If second terms of payment need to provide the first payment bar
Part payment information not to be covered, then pay node can to fund server send second payment request before,
Receive the payment information for the second payment request from user.Before sending second time payment request, by
Only part payment information not to be covered in first terms of payment can be collected to user in paying node, or
Person does not collects payment information to user, and user need not repeatedly input, and further reduces the operation of user also
Improve efficiency.
If the response that fund server pays request return to second remains refusal to pay response, then prop up
Pay node and can again revise option dimension values, obtain the new terms of payment and again attempt, until
Pay success or travel through all possible option dimension values and combinations thereof.
It should be noted that the refusal to pay response that channel of disbursement provider returns generally includes two types,
Refusal to pay response (the most general refusal) of non-assignable cause and the refusal to pay response of appointment reason.
Specifying in the refusal to pay response of reason, channel of disbursement provider can provide the reason of refusal to pay, such as account
Sorry, your ticket has not enough value at family, code error, card number did not mated with effect duration；And prop up at the refusal of non-assignable cause
Paying in response, channel of disbursement provider will not provide concrete Reason For Denial.Owing to specifying the refusal of reason
Payment response or need user to re-enter payment information, or even need user to change another
Paying channel, the embodiment of the present application is more applicable for the scene that refusal to pay response is general refusal.
Visible, in embodiments herein, after the payment request using first terms of payment is rejected,
Constituted second terms of payment with new option dimension values and re-started payment request, it is no longer necessary to user is manual
Completing all operations that re-request pays, the workload decreasing user improves the efficiency of user；With
Time, owing to the different terms of payment have different payment success rates, and the embodiment of the present application can be the most square
Just all possible terms of payment of traversal, thus improve network payment success user friendly simultaneously
Probability；By paying the method that the embodiment of the present application provides of running on node, it is possible to greatly reduce existing
User's experience in technology is had repeatedly to attempt still having to drop the business because successfully being paid by network
Situation occur.
In an application example of the application, user use my credit card as channel of disbursement,
Paid in cross-border transaction by the paying server of Third-party payment platform.The payment of this credit card
Condition includes supporting currency type and two option dimensions of authorization, and wherein the value of currency type dimension can be people
People's coin, U.S. dollar or Euro, the value of authorization can be MOTO pay or 3D pay.This application
In example, mutual between user terminal, paying server and the fund server of credit card issuing bank
Flow process is as shown in Figure 2.
User is paid by Third-party payment platform, and user determines with U.S. dollar and MOTO in terminal
Paying and pay as first terms of payment, terminal is by first terms of payment of user with first
Payment information needed for paying Conditional payment is sent to paying server.
The payment information that paying server provides with first terms of payment and user initiates the to fund server
One pays request；Fund server returns general refusal response to paying server.
Paying server sends notice and prompting message to user terminal, by user terminal with pop-up or net
The modes such as page inform that user pays failure, and prompt the user whether using Euro and 3D pay as new
The condition of paying retries.
After user clicks on agreement button on the prompting interface of terminal, the message that user agrees to is informed by terminal
Paying server.Paying server using Euro and 3D pay as second terms of payment, to issuing bank
Fund server initiate second payment request.
Realizing corresponding with above-mentioned flow process, embodiments herein additionally provides a kind of dress realizing network payment
Put.This device can be realized by software, it is also possible to realizes by the way of hardware or software and hardware combining.
As a example by implemented in software, as the device on logical meaning, it is by paying node (terminal or server)
CPU (Central Process Unit, central processing unit) corresponding computer program instructions is read
Formation is run in internal memory.For hardware view, except the CPU shown in Fig. 3, internal memory and non-
Outside volatile memory, it is achieved the terminal at the device place of network payment the most also includes for carrying out nothing
Other hardware such as the chip of line signal transmitting and receiving, it is achieved the server at the device place of network payment the most also wraps
Include other hardware such as board for realizing network communicating function.
Fig. 4 show a kind of device realizing network payment that the embodiment of the present application provides, including first
Pay request unit and second and pay request unit, wherein: first pays request unit for based on first
The condition of paying sends the first payment request to the fund server of channel of disbursement provider；Described channel of disbursement
The terms of payment include that at least one has the option dimension of different possible value, described first terms of payment bag
Include the option dimension values determined；Second pays request unit in the refusal to pay receiving fund server
After response, sending the second payment request based on second terms of payment to fund server, described second pays
At least one option dimension values of condition is different from first terms of payment.
In one example, described device also includes the second terms of payment recommendation unit, for receiving fund
After the refusal to pay response of server, after user agrees to, make with the option dimension values recommended to user
It it is the option dimension values of second terms of payment；In the option dimension values of described recommendation at least one be different from
The option dimension values of first terms of payment.
In another example, described device also includes the second terms of payment designating unit, for receiving money
After the refusal to pay response of gold server, use the option dimension values that user specifies as second terms of payment
Option dimension values；In the option dimension values that described user specifies at least one be different from the first payment bar
The option dimension values of part.
Optionally, described device also includes: payment information collector unit, for sending out to fund server
Before sending the second payment request, receive the payment information for the second payment request from user.
Optionally, described option dimension includes that currency type and authorization, the value of described authorization include
Pay MOTO payment without card and payment verification 3D pays.
Optionally, the refusal to pay response of described fund server includes: the refusal to pay of non-assignable cause
Response.
The foregoing is only the preferred embodiment of the application, not in order to limit the application, all at this
Within the spirit of application and principle, any modification, equivalent substitution and improvement etc. done, should be included in
Within the scope of the application protection.
In a typical configuration, calculating equipment includes one or more processor (CPU), input/output
Interface, network interface and internal memory.
Internal memory potentially includes the volatile memory in computer-readable medium, random access memory
(RAM) and/or the form such as Nonvolatile memory, such as read only memory (ROM) or flash memory (flash RAM).
Internal memory is the example of computer-readable medium.
Computer-readable medium includes that removable media permanent and non-permanent, removable and non-can be by appointing
Where method or technology realize information storage.Information can be computer-readable instruction, data structure, program
Module or other data.The example of the storage medium of computer include, but are not limited to phase transition internal memory (PRAM),
Static RAM (SRAM), dynamic random access memory (DRAM), other kinds of with
Machine access memorizer (RAM), read only memory (ROM), Electrically Erasable Read Only Memory
(EEPROM), fast flash memory bank or other memory techniques, read-only optical disc read only memory (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassette tape, tape magnetic rigid disk stores or it
His magnetic storage apparatus or any other non-transmission medium, can be used for the letter that storage can be accessed by a computing device
Breath.According to defining herein, computer-readable medium does not include temporary computer readable media (transitory
Media), such as data signal and the carrier wave of modulation.
Also, it should be noted term " includes ", " comprising " or its any other variant are intended to non-
Comprising of exclusiveness, so that include that the process of a series of key element, method, commodity or equipment not only wrap
Include those key elements, but also include other key elements being not expressly set out, or also include for this process,
The key element that method, commodity or equipment are intrinsic.In the case of there is no more restriction, statement " include
One ... " key element that limits, it is not excluded that including the process of described key element, method, commodity or setting
Other identical element is there is also in Bei.
It will be understood by those skilled in the art that embodiments herein can be provided as method, system or computer journey
Sequence product.Therefore, the application can use complete hardware embodiment, complete software implementation or combine software and
The form of the embodiment of hardware aspect.And, the application can use and wherein include calculating one or more
The computer-usable storage medium of machine usable program code (include but not limited to disk memory, CD-ROM,
Optical memory etc.) form of the upper computer program implemented.
Claims (12)
1. the method realizing network payment, it is characterised in that including:
The first payment request is sent to the fund server of channel of disbursement provider based on first terms of payment；
The terms of payment of described channel of disbursement include that at least one has the option dimension of different possible value, described
First terms of payment include the option dimension values determined；
After the refusal to pay receiving fund server responds, based on second terms of payment to fund server
Sending the second payment request, at least one option dimension values of described second terms of payment is different from first
The condition of paying.
Method the most according to claim 1, it is characterised in that described method also includes: receiving
After the refusal to pay response of fund server, after user agrees to, with the option dimension recommended to user
It is worth the option dimension values as second terms of payment；In the option dimension values of described recommendation, at least one not
It is same as the option dimension values of first terms of payment.
Method the most according to claim 1, it is characterised in that described method also includes: receiving
After the refusal to pay response of fund server, the option dimension values using user to specify pays bar as second
The option dimension values of part；In the option dimension values that described user specifies at least one be different from the first payment
The option dimension values of condition.
Method the most according to claim 1, it is characterised in that described method also includes: to money
Before golden server sends the second payment request, receive the disbursement letter for the second payment request from user
Breath.
Method the most according to claim 1, it is characterised in that described option dimension include currency type and
Authorization, the value of described authorization includes paying MOTO payment without card and payment verification 3D is propped up
Pay.
Method the most according to claim 1, it is characterised in that the refusal of described fund server props up
Pay response to include: the refusal to pay response of non-assignable cause.
7. the device realizing network payment, it is characterised in that including:
First pays request unit, for taking to the fund of channel of disbursement provider based on first terms of payment
Business device sends the first payment request；The terms of payment of described channel of disbursement include that at least one has difference can
The option dimension of energy value, described first terms of payment include the option dimension values determined；
Second pays request unit, after responding in the refusal to pay receiving fund server, based on the
Two terms of payment send the second payment request, at least one of described second terms of payment to fund server
Option dimension values is different from first terms of payment.
Device the most according to claim 7, it is characterised in that described device also includes: second
Pay condition recommendation unit, after responding in the refusal to pay receiving fund server, agree to it through user
After, using the option dimension values recommended to user as the option dimension values of second terms of payment；Described recommendation
Option dimension values in an at least option dimension values being different from first terms of payment.
Device the most according to claim 7, it is characterised in that described device also includes: second
Pay condition designating unit, after responding in the refusal to pay receiving fund server, use user to specify
Option dimension values as the option dimension values of second terms of payment；The option dimension values that described user specifies
In an at least option dimension values being different from first terms of payment.
Device the most according to claim 7, it is characterised in that described device also includes: pay
Information collection unit, for, before sending the second payment request to fund server, receiving from user's
For the second payment information paying request.
11. devices according to claim 7, it is characterised in that described option dimension includes currency type
And authorization, the value of described authorization includes that paying MOTO without card pays and payment verification 3D
Pay.
12. devices according to claim 7, it is characterised in that the refusal of described fund server
Payment response includes: the refusal to pay response of non-assignable cause.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510330912.XA CN106327167B (en) | 2015-06-15 | 2015-06-15 | Method and device for realizing network payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510330912.XA CN106327167B (en) | 2015-06-15 | 2015-06-15 | Method and device for realizing network payment |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN106327167A true CN106327167A (en) | 2017-01-11 |
| CN106327167B CN106327167B (en) | 2021-06-29 |
Family
ID=57732239
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510330912.XA Active CN106327167B (en) | 2015-06-15 | 2015-06-15 | Method and device for realizing network payment |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106327167B (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107292598A (en) * | 2017-05-31 | 2017-10-24 | 杭州大搜车汽车服务有限公司 | One kind pays method for routing and pays route middleware |
| CN109472563A (en) * | 2018-10-26 | 2019-03-15 | 数贸科技（北京）有限公司 | The means of payment based on cross-border payment platform automates O&M method and device |
| CN109829717A (en) * | 2018-12-15 | 2019-05-31 | 深圳壹账通智能科技有限公司 | O&M method, apparatus, computer installation and the storage medium of payment channel |
| CN111784384A (en) * | 2020-06-19 | 2020-10-16 | 支付宝(杭州)信息技术有限公司 | Payment service data processing method, device, equipment and system |
| CN113435871A (en) * | 2021-06-29 | 2021-09-24 | 未鲲(上海)科技服务有限公司 | Payment channel abnormity checking method and device, computing equipment and storage medium |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103366275A (en) * | 2009-06-09 | 2013-10-23 | Sk普兰尼特有限公司 | Electronic money payment system and electronic money payment method |
| CN103679445A (en) * | 2013-12-17 | 2014-03-26 | 广州云移信息科技有限公司 | Online payment method and system thereof |
| CN103870992A (en) * | 2014-03-17 | 2014-06-18 | 中国工商银行股份有限公司 | Cross-border multi-currency data processing system and method |
| CN104268746A (en) * | 2014-09-17 | 2015-01-07 | 江苏爱心消费支付服务有限公司 | Card-free payment method |
| CN104463585A (en) * | 2014-11-26 | 2015-03-25 | 隆藏电子商务（上海）有限公司 | Industrial payment method and electronic device |
| WO2015071784A2 (en) * | 2013-09-30 | 2015-05-21 | De Waal André | Method of calculating and reporting currency exchange rates |
-
2015
- 2015-06-15 CN CN201510330912.XA patent/CN106327167B/en active Active
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103366275A (en) * | 2009-06-09 | 2013-10-23 | Sk普兰尼特有限公司 | Electronic money payment system and electronic money payment method |
| WO2015071784A2 (en) * | 2013-09-30 | 2015-05-21 | De Waal André | Method of calculating and reporting currency exchange rates |
| CN103679445A (en) * | 2013-12-17 | 2014-03-26 | 广州云移信息科技有限公司 | Online payment method and system thereof |
| CN103870992A (en) * | 2014-03-17 | 2014-06-18 | 中国工商银行股份有限公司 | Cross-border multi-currency data processing system and method |
| CN104268746A (en) * | 2014-09-17 | 2015-01-07 | 江苏爱心消费支付服务有限公司 | Card-free payment method |
| CN104463585A (en) * | 2014-11-26 | 2015-03-25 | 隆藏电子商务（上海）有限公司 | Industrial payment method and electronic device |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107292598A (en) * | 2017-05-31 | 2017-10-24 | 杭州大搜车汽车服务有限公司 | One kind pays method for routing and pays route middleware |
| CN109472563A (en) * | 2018-10-26 | 2019-03-15 | 数贸科技（北京）有限公司 | The means of payment based on cross-border payment platform automates O&M method and device |
| CN109829717A (en) * | 2018-12-15 | 2019-05-31 | 深圳壹账通智能科技有限公司 | O&M method, apparatus, computer installation and the storage medium of payment channel |
| CN111784384A (en) * | 2020-06-19 | 2020-10-16 | 支付宝(杭州)信息技术有限公司 | Payment service data processing method, device, equipment and system |
| CN113435871A (en) * | 2021-06-29 | 2021-09-24 | 未鲲(上海)科技服务有限公司 | Payment channel abnormity checking method and device, computing equipment and storage medium |
Also Published As
| Publication number | Publication date |
|---|---|
| CN106327167B (en) | 2021-06-29 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US9547856B2 (en) | System and method for chopping up and processing gift cards | |
| CN104680361B (en) | A kind of enchashment method and system based on third-party platform | |
| TWI610255B (en) | Online payment method and equipment | |
| US20110196797A1 (en) | Wireless payment and barter platform | |
| US20120166311A1 (en) | Deferred payment and selective funding and payments | |
| US20130246260A1 (en) | Mobile Payment Transaction System | |
| US20100094735A1 (en) | Methods and systems for automated payments | |
| US20120330825A1 (en) | Processing a purchase transaction based on different payment methods | |
| CN106327167A (en) | Method and device of realizing network payment | |
| IL234642A (en) | Methods and systems for processing payments globally over one of a plurality of processing paths | |
| CN104966229A (en) | Information processing method and credit platform | |
| KR20140133909A (en) | System and method for customer authentication and credit assessment in electronic commerce | |
| CN107026815A (en) | A kind of payment transaction processing method, paying server, relevant device and system | |
| US11928654B2 (en) | Application program interface for conversion of stored value cards | |
| US20140122338A1 (en) | Method and system for system control | |
| US20160048815A1 (en) | Payment service provision with reduced transaction costs | |
| WO2016131084A1 (en) | Bill payment system | |
| US11501289B2 (en) | Computer system and computer-implemented method for secure payment transaction | |
| US20150149355A1 (en) | System and method for staging voucher transfers | |
| JP2023099067A (en) | Information processing method, program, and information processing device | |
| US20190043037A1 (en) | System and method for providing secured services | |
| US20220147955A1 (en) | System and method for digital funds transfer and bill payment | |
| JP2020071817A (en) | Information processing method, information processor, and program | |
| US20230297995A1 (en) | Allocating payment transaction portions to more than one funding source via a single card | |
| CN117546192A (en) | System and method for managing transactions |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| REG | Reference to a national code |
Ref country code: HK Ref legal event code: DE Ref document number: 1233020 Country of ref document: HK |
|
| TA01 | Transfer of patent application right | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20200923 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant after: Innovative advanced technology Co.,Ltd. Address before: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant before: Advanced innovation technology Co.,Ltd. Effective date of registration: 20200923 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant after: Advanced innovation technology Co.,Ltd. Address before: A four-storey 847 mailbox in Grand Cayman Capital Building, British Cayman Islands Applicant before: Alibaba Group Holding Ltd. |
|
| GR01 | Patent grant | ||
| GR01 | Patent grant | ||
| TR01 | Transfer of patent right | ||
| TR01 | Transfer of patent right |
Effective date of registration: 20240221 Address after: Guohao Times City # 20-01, 128 Meizhi Road, Singapore Patentee after: Advanced Nova Technology (Singapore) Holdings Ltd. Country or region after: Singapore Address before: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Patentee before: Innovative advanced technology Co.,Ltd. Country or region before: Cayman Islands |