CN108305069B - Payment method, storage medium, electronic device and system during virtual transaction failure - Google Patents
Payment method, storage medium, electronic device and system during virtual transaction failure Download PDFInfo
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- CN108305069B CN108305069B CN201810016978.5A CN201810016978A CN108305069B CN 108305069 B CN108305069 B CN 108305069B CN 201810016978 A CN201810016978 A CN 201810016978A CN 108305069 B CN108305069 B CN 108305069B
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- 238000000034 method Methods 0.000 title claims abstract description 25
- 238000012544 monitoring process Methods 0.000 claims abstract description 4
- 238000004590 computer program Methods 0.000 claims description 12
- 238000012011 method of payment Methods 0.000 claims 1
- 230000003993 interaction Effects 0.000 abstract description 4
- 230000008569 process Effects 0.000 description 7
- 230000006870 function Effects 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 230000005540 biological transmission Effects 0.000 description 1
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- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
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- 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
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Abstract
The invention discloses a payment method, a storage medium, electronic equipment and a system when a virtual transaction fails, and relates to the field of information interaction of the virtual transaction. The method comprises the following steps: when monitoring that the IOS terminal fails to perform virtual transaction, acquiring a payment link and payment order parameters in the virtual transaction, and generating a short message link for the IOS terminal according to the payment link; sending a payment short message with a short message link to an IOS terminal, directly establishing connection between the IOS terminal and a virtual transaction server when the IOS terminal clicks the short message link on the payment short message, and displaying a payment order on the IOS terminal according to payment order parameters; and the IOS terminal sends payment information corresponding to the payment order to the virtual transaction server through the existing third-party payment software. The invention can provide a virtual transaction payment mode with high payment speed and high payment success rate when the virtual transaction fails, thereby obviously improving the user experience and being very suitable for popularization.
Description
Technical Field
The invention relates to the field of information interaction of virtual transaction, in particular to a payment method, a storage medium, electronic equipment and a system when the virtual transaction fails.
Background
When the IOS terminal (for example, iphone or ipad) performs virtual transaction (for example, recharging and exchanging virtual currency) through the App downloaded by the App store, only the payment channel of the IOS system can be used. The process of using the payment channel of the IOS system to carry out virtual transaction comprises the following steps: after the IOS terminal generates a payment order (namely, a user selects parameters of virtual transaction, such as product quantity, color and the like, through the terminal), the payment order and payment information are sent to the virtual transaction server according to the payment link, the payment order is used for informing the virtual transaction server of 'who purchases what virtual commodity', the payment information is the amount of money corresponding to the commodity, and after the virtual transaction server returns payment success information to the IOS terminal, the virtual transaction is completed.
However, when the IOS terminal and the virtual transaction server perform information interaction, the information interaction needs to be performed through the IOS server, that is, the IOS terminal and the virtual transaction server both need to send information to each other through the IOS server, and the payment link between the IOS terminal and the virtual transaction server is bridged, which not only reduces the speed of establishing the payment link seriously, but also makes the information transmitted through the relay easy to lose, thereby greatly improving the failure probability of the virtual transaction. On the basis, when the virtual transaction fails, the user can only regenerate the payment order through the IOS terminal and then resend the payment order and the payment information on the IOS terminal, which means that if the virtual transaction fails, the user needs to spend a long time waiting for the transmission of the information and the virtual transaction may fail again.
In view of this, when a user performs a virtual transaction on an existing IOS terminal, the user experience is poor.
Disclosure of Invention
Aiming at the defects in the prior art, the invention solves the technical problems that: when the virtual transaction fails, how to provide a virtual transaction payment mode with high payment speed and high payment success rate can remarkably improve the user experience, and the method is very suitable for popularization.
In order to achieve the above purpose, the payment method for the failure of the virtual transaction provided by the invention comprises the following steps:
s1: when the IOS terminal fails to perform the virtual transaction, acquiring a payment link and payment order parameters in the virtual transaction, generating a short message link for the current IOS terminal according to the payment link, and turning to S2;
s2: sending the payment short message with the short message link to the IOS terminal, and turning to S3;
s3: when the IOS terminal clicks the short message link on the payment short message, the IOS terminal is directly connected with the virtual transaction server, the payment order is displayed on the IOS terminal according to the payment order parameters in S1, and the step is switched to S4;
s4: and the IOS terminal sends payment information corresponding to the payment order to the virtual transaction server through the existing third-party payment software.
On the basis of the above technical solution, the short message link in S1 is a short link whose link length is smaller than the payment link and is the same as the destination of the payment link.
On the basis of the above technical solution, the process of S2 includes: and judging whether the short message link generation frequency of the current IOS terminal reaches a specified threshold value, if so, ending, otherwise, sending a payment short message with the short message link to the IOS terminal, and turning to S3.
On the basis of the above technical solution, the process of S4 includes: and when the IOS terminal clicks the payment option in the payment order, the third-party payment software is operated according to the payment skip link, and the payment information corresponding to the payment order is sent to the virtual transaction server through the third-party payment software.
The storage medium provided by the invention is stored with a computer program, and the computer program realizes the payment method when the virtual transaction fails when being executed by a processor.
The electronic equipment provided by the invention comprises a memory and a processor, wherein a computer program running on the processor is stored in the memory, and the payment method when the virtual transaction fails is realized when the computer program is executed by the processor.
The payment system when the virtual transaction fails comprises a virtual transaction information acquisition module, a payment short message sending module, a payment order display module and a virtual transaction payment module, wherein the virtual transaction information acquisition module, the payment short message sending module, the payment order display module and the virtual transaction payment module are arranged on a server side;
the virtual transaction information acquisition module is used for: when monitoring that the IOS terminal fails to perform virtual transaction, acquiring a payment link and payment order parameters in the virtual transaction, and generating a short message link for the current IOS terminal according to the payment link;
the payment short message sending module is used for: sending a payment short message with a short message link to the IOS terminal;
the payment order display module is used for: when the IOS terminal clicks a short message link on the payment short message, the payment order is displayed on the IOS terminal according to the payment order parameters in the virtual transaction information acquisition module;
the virtual transaction payment module is to: and when the IOS terminal clicks the payment option in the payment order, sending the payment information corresponding to the payment order to the virtual transaction server through the existing third-party payment software.
On the basis of the technical scheme, the short message link in the virtual transaction information acquisition module is a short link which has a link length smaller than that of the payment link and is the same as the destination end of the payment link.
On the basis of the technical scheme, the process of the payment short message sending module comprises the following steps: and judging whether the short message link generation frequency of the current IOS terminal reaches a specified threshold value, if so, stopping working, and otherwise, sending a payment short message with the short message link to the IOS terminal.
On the basis of the technical scheme, the process of the virtual transaction payment module comprises the following steps: and when the IOS terminal clicks the payment option in the payment order, the third-party payment software is operated according to the payment skip link, and the payment information corresponding to the payment order is sent to the virtual transaction server through the third-party payment software.
Compared with the prior art, the invention has the advantages that:
it can be seen from the present invention S1-S4 that the present invention can generate a payment link for the IOS terminal to directly communicate with the virtual transaction server when the virtual transaction performed by the IOS terminal fails. On the basis, compared with the prior art that virtual transaction is carried out through IOS server transfer, the IOS terminal can directly carry out virtual transaction to the virtual transaction server through third-party payment software, so that the establishment speed of a payment link is greatly increased (the payment speed is increased), the probability of secondary failure after the virtual transaction fails is greatly reduced (namely the payment success rate is increased), and the user experience is remarkably improved.
Drawings
FIG. 1 is a flow chart of a payment method upon failure of a virtual transaction in an embodiment of the invention;
fig. 2 is a connection block diagram of an electronic device in an embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples.
Referring to fig. 1, a payment method when a virtual transaction fails in an embodiment of the present invention includes the following steps:
s1: when the IOS terminal fails to perform the virtual transaction (for example, the user actively cancels or the payment link does not respond, etc.), the payment link and the payment order parameters (for example, the user ID, the product quantity, the product color, the product size, the payment fee, etc.) in the virtual transaction are obtained, a short message link is generated for the current IOS terminal according to the payment link, and the step goes to S2.
The short message link in the S1 is a short link with a link length smaller than that of the payment link and the same as the destination of the payment link, so that the user can view the short message link conveniently in the following.
S2: sending a payment short message with a short message link to the IOS terminal, for example: zhang of love you good, if you have difficulty in purchasing XX product, please click the SMS link for further operation, or contact customer service 027-.
The flow of S2 includes: judging whether the short message link generation frequency of the current IOS terminal reaches a specified threshold (100 in the embodiment), if so, not sending the payment short message, otherwise, sending the payment short message with the short message link to the IOS terminal, wherein the purpose is as follows: if the number of times of short message link generation of the IOS terminal is too high, it may be the intention of the user (e.g. malicious billing), and at this time, the payment short message is not sent any more, which not only can avoid the above situation, but also can save the short message sending cost.
S3: when the user clicks the short message link on the payment short message on the current IOS terminal, the current IOS terminal is directly connected with the virtual transaction server, the server displays the payment order on the IOS terminal according to the payment order parameters in S1, the payment order at the moment is the same as the payment order in S1, and therefore the payment order which is completed before the user is reproduced is realized, and the process goes to S4.
S3 further includes the steps of: after the server displays the payment order on the current IOS terminal, counting the times of clicking the short message link by the current IOS terminal so as to be convenient for data statistics and use in the following.
S4: the current IOS terminal sends payment information corresponding to the payment order to the virtual transaction server through the existing third party payment software.
The flow of S4 includes: and when the user clicks the payment option in the payment order through the IOS terminal, all the payment skip links are displayed, the IOS terminal operates the third-party payment software (such as WeChat, Payment treasure, Unionpay, financial payment and the like) according to the payment skip link selected by the user, and at the moment, the third-party payment software can send payment information corresponding to the payment order to the virtual transaction server.
S5: and sending the unique identifier corresponding to the payment order to the virtual transaction server, wherein the unique identifier is generated according to the payment order so as to inform the virtual transaction server that the user purchases the parameters of the commodity.
The embodiment of the invention also provides a storage medium, wherein a computer program is stored on the storage medium, and when being executed by a processor, the computer program realizes the payment method when the virtual transaction fails. The storage medium includes various media capable of storing program codes, such as a usb disk, a removable hard disk, a ROM (Read-Only Memory), a RAM (Random Access Memory), a magnetic disk, or an optical disk.
Referring to fig. 2, an embodiment of the present invention further provides an electronic device, which includes a memory and a processor, where the memory stores a computer program running on the processor, and the processor executes the computer program to implement the above-mentioned payment method when the virtual transaction fails.
The payment system in the embodiment of the invention comprises a virtual transaction information acquisition module, a payment short message sending module, a payment order display module and a virtual transaction payment module, wherein the virtual transaction information acquisition module, the payment short message sending module and the payment order display module are arranged on a server side, and the virtual transaction payment module is arranged on an IOS terminal.
The virtual transaction information acquisition module is used for: when the failure of the IOS terminal in virtual transaction is monitored, a payment link and payment order parameters in the virtual transaction are obtained, a short message link is generated for the current IOS terminal according to the payment link, and the short message link is a short link which is shorter than the payment link in link length and is the same as the destination end of the payment link.
The payment short message sending module is used for: sending a payment short message with a short message link to an IOS terminal, wherein the specific process comprises the following steps: and judging whether the short message link generation frequency of the current IOS terminal reaches a specified threshold value, if so, stopping working, and otherwise, sending a payment short message with the short message link to the IOS terminal.
The payment order display module is used for: and when the IOS terminal clicks the short message link on the payment short message, the payment order is displayed on the IOS terminal according to the payment order parameters in the virtual transaction information acquisition module.
The virtual transaction payment module is to: when the IOS terminal clicks the payment option in the payment order, the payment information corresponding to the payment order is sent to the virtual transaction server through the existing third-party payment software, and the specific flow is as follows: and when the IOS terminal clicks the payment option in the payment order, the third-party payment software is operated according to the payment skip link, and the payment information corresponding to the payment order is sent to the virtual transaction server through the third-party payment software.
It should be noted that: in the system provided in the embodiment of the present invention, when performing inter-module communication, only the division of each functional module is illustrated, and in practical applications, the above function distribution may be completed by different functional modules as needed, that is, the internal structure of the system is divided into different functional modules to complete all or part of the above described functions.
Further, the present invention is not limited to the above-mentioned embodiments, and it will be apparent to those skilled in the art that various modifications and improvements can be made without departing from the principle of the present invention, and these modifications and improvements are also considered to be within the scope of the present invention. Those not described in detail in this specification are within the skill of the art.
Claims (8)
1. A method of payment upon failure of a virtual transaction, the method comprising the steps of:
s1: when monitoring that the IOS terminal using a payment channel of the IOS system fails to perform virtual transaction, acquiring a payment link and payment order parameters in the virtual transaction, generating a short message link for the IOS terminal according to the payment link, and turning to S2;
s2: judging whether the short message link generation frequency of the IOS terminal reaches a specified threshold value, if so, ending, otherwise, sending a payment short message with a short message link to the IOS terminal, wherein the content of the payment short message is in a text form, and turning to S3;
s3: when the IOS terminal clicks the short message link on the payment short message, the IOS terminal is directly connected with the virtual transaction server, the payment order is displayed on the IOS terminal according to the payment order parameters in S1, and the step is switched to S4;
s4: and the IOS terminal sends payment information corresponding to the payment order to the virtual transaction server through the existing third-party payment software.
2. A payment method upon failure of a virtual transaction as claimed in claim 1, wherein: the short message link in S1 is a short link with a link length smaller than the payment link and the same as the destination of the payment link.
3. A payment method upon failure of a virtual transaction according to any one of claims 1 to 2, characterized by: the flow of S4 includes: and when the IOS terminal clicks the payment option in the payment order, the third-party payment software is operated according to the payment skip link, and the payment information corresponding to the payment order is sent to the virtual transaction server through the third-party payment software.
4. A storage medium having a computer program stored thereon, characterized in that: the computer program, when executed by a processor, implements the method of any of claims 1 to 3.
5. An electronic device comprising a memory and a processor, the memory having stored thereon a computer program that runs on the processor, characterized in that: a processor implementing the method of any one of claims 1 to 3 when executing the computer program.
6. A payment system upon failure of a virtual transaction, characterized by: the system comprises a virtual transaction information acquisition module, a payment short message sending module, a payment order display module and a virtual transaction payment module, wherein the virtual transaction information acquisition module, the payment short message sending module and the payment order display module are arranged on a server side, and the virtual transaction payment module is arranged on an IOS terminal which uses a payment channel of the IOS system;
the virtual transaction information acquisition module is used for: when monitoring that the IOS terminal fails to perform virtual transaction, acquiring a payment link and payment order parameters in the virtual transaction, and generating a short message link for the IOS terminal according to the payment link;
the payment short message sending module is used for: judging whether the short message link generation frequency of the IOS terminal reaches a specified threshold value, if so, stopping working, otherwise, sending a payment short message with a short message link to the IOS terminal;
the payment order display module is used for: when the IOS terminal clicks a short message link on the payment short message, the payment order is displayed on the IOS terminal according to the payment order parameters in the virtual transaction information acquisition module;
the virtual transaction payment module is to: and when the IOS terminal clicks the payment option in the payment order, sending the payment information corresponding to the payment order to the virtual transaction server through the existing third-party payment software.
7. A payment system upon failure of a virtual transaction as recited in claim 6, wherein: the short message link in the virtual transaction information acquisition module is a short link which has a link length smaller than that of the payment link and is the same as the destination end of the payment link.
8. A payment system upon failure of a virtual transaction as claimed in any one of claims 6 to 7 wherein: the flow of the virtual transaction payment module comprises the following steps: and when the IOS terminal clicks the payment option in the payment order, the third-party payment software is operated according to the payment skip link, and the payment information corresponding to the payment order is sent to the virtual transaction server through the third-party payment software.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810016978.5A CN108305069B (en) | 2018-01-05 | 2018-01-05 | Payment method, storage medium, electronic device and system during virtual transaction failure |
| PCT/CN2018/081301 WO2019134273A1 (en) | 2018-01-05 | 2018-03-30 | Method for payment following virtual transaction failure, storage medium, electronic device and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810016978.5A CN108305069B (en) | 2018-01-05 | 2018-01-05 | Payment method, storage medium, electronic device and system during virtual transaction failure |
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| Publication Number | Publication Date |
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| CN108305069A CN108305069A (en) | 2018-07-20 |
| CN108305069B true CN108305069B (en) | 2020-07-31 |
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| CN201810016978.5A Active CN108305069B (en) | 2018-01-05 | 2018-01-05 | Payment method, storage medium, electronic device and system during virtual transaction failure |
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| CN113129012B (en) * | 2021-04-09 | 2023-05-09 | 支付宝（中国）网络技术有限公司 | Payment data processing method, device, equipment and system |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104809612A (en) * | 2015-04-23 | 2015-07-29 | 联动优势电子商务有限公司 | Order payment method, server and mobile terminal |
| CN106203995A (en) * | 2016-07-01 | 2016-12-07 | 宁波轩悦行电动汽车服务有限公司 | The method carrying out reimbursement of expense based on client's flow |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20130144699A1 (en) * | 2011-12-02 | 2013-06-06 | Jijo Xavier | Method for Simplifying Use of Commercial Website Interfaces for Secure Customer Purchases |
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- 2018-01-05 CN CN201810016978.5A patent/CN108305069B/en active Active
- 2018-03-30 WO PCT/CN2018/081301 patent/WO2019134273A1/en active Application Filing
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104809612A (en) * | 2015-04-23 | 2015-07-29 | 联动优势电子商务有限公司 | Order payment method, server and mobile terminal |
| CN106203995A (en) * | 2016-07-01 | 2016-12-07 | 宁波轩悦行电动汽车服务有限公司 | The method carrying out reimbursement of expense based on client's flow |
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| CN108305069A (en) | 2018-07-20 |
| WO2019134273A1 (en) | 2019-07-11 |
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