CN109272321A - Quick paying method, device, equipment and computer readable storage medium - Google Patents
Quick paying method, device, equipment and computer readable storage medium Download PDFInfo
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- CN109272321A CN109272321A CN201810983654.9A CN201810983654A CN109272321A CN 109272321 A CN109272321 A CN 109272321A CN 201810983654 A CN201810983654 A CN 201810983654A CN 109272321 A CN109272321 A CN 109272321A
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- 238000000034 method Methods 0.000 title claims abstract description 67
- 230000004044 response Effects 0.000 claims abstract description 36
- 238000012790 confirmation Methods 0.000 claims abstract description 14
- 238000007689 inspection Methods 0.000 claims description 11
- 235000013399 edible fruits Nutrition 0.000 claims description 2
- 230000008569 process Effects 0.000 abstract description 22
- 230000008014 freezing Effects 0.000 abstract description 20
- 238000007710 freezing Methods 0.000 abstract description 20
- 238000010586 diagram Methods 0.000 description 14
- 230000007246 mechanism Effects 0.000 description 11
- 238000005516 engineering process Methods 0.000 description 8
- 230000006399 behavior Effects 0.000 description 7
- 230000006870 function Effects 0.000 description 7
- 230000006854 communication Effects 0.000 description 6
- 230000027455 binding Effects 0.000 description 5
- 238000009739 binding Methods 0.000 description 5
- 238000004891 communication Methods 0.000 description 5
- 238000004590 computer program Methods 0.000 description 4
- 238000012545 processing Methods 0.000 description 3
- 230000000977 initiatory effect Effects 0.000 description 2
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- 238000013459 approach Methods 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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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
- G06Q20/22—Payment schemes or models
- G06Q20/29—Payment schemes or models characterised by micropayments
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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
- G06Q20/327—Short range or proximity payments by means of M-devices
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The embodiment of the present disclosure provides quick paying method, device, equipment and computer readable storage medium.Quick paying method includes: to inquire whether assets of the paying party in the Third-party payment account in Third-party payment platform pay the order enough to the Confirmation of Orders of paying party and operation of withholing in response to beneficiary；The query result for paying the order enough in response to assets of the paying party in the Third-party payment account in the Third-party payment platform freezes the guarantee that the assets for paying the order enough in the Third-party payment account pay the order as the paying party；In response to successfully freezing the result of the assets for paying the order enough in the Third-party payment account, the order is notified to pay successful result to the paying party, Third-party payment process can be made not have the participation of bank card, single risk is eliminated, paying party/buyer is helped more smoothly to complete payment.
Description
Technical field
The embodiment of the present disclosure is related to Internet technical field more particularly to quick paying method, device, equipment and computer
Readable storage medium storing program for executing.
Background technique
It is paying in the related technology, Third-party payment scene, for example, Third-party payment scene under line, generallys use automatic
It withholds scheme.That is, the assets bound on traversal all third-party platforms of paying party/buyer, until paying successfully.If
Requestee has multiple bank cards, then payment process can have multiple interaction with bank end.Since bank card payment time-consuming inherently compares
It is higher, cause Third-party payment overall process time-consuming under line to be elongated, requestee, which needs to wait, could for a long time obtain payment result.And
And the system interaction between Third-party payment mechanism and bank end there is a problem of single, therefore requestee is in Third-party payment
The payment success rate for the bank card bound on platform is wanted compared to Third-party payment account of the requestee in Third-party payment platform
It is much lower, to reduce the willingness to pay of requestee.
Therefore, needing one kind can be without the faster payment scheme for falling single risk.
Summary of the invention
In view of this, disclosure first aspect provides a kind of quick paying method, comprising:
In response to beneficiary to the Confirmation of Orders of paying party and operation of withholing, the paying party is inquired in third party's branch
Whether the assets paid in the Third-party payment account on platform pay the order enough；
It is propped up enough in response to assets of the paying party in the Third-party payment account in the Third-party payment platform
The query result for paying the order freezes described in the assets conduct for paying the order enough in the Third-party payment account
The guarantee that paying party pays the order；
In response to successfully freeze the assets for paying the order enough in the Third-party payment account as a result, to institute
Stating paying party notifies the order to pay successful result.
Disclosure second aspect provides a kind of rapid payment device, comprising:
Enquiry module is configured to respond to beneficiary to the Confirmation of Orders of paying party and operation of withholing, inquires institute
State whether assets of the paying party in the Third-party payment account in Third-party payment platform pay the order enough；
Freeze module, is configured to respond to Third-party payment account of the paying party in the Third-party payment platform
Assets in family pay the query result of the order enough, freeze to order described in enough payments in the Third-party payment account
The guarantee that single assets pay the order as the paying party；
First notification module is configured to respond to described freeze module and successfully freeze in the Third-party payment account
Pay enough the assets of the order as a result, notifying the order to pay successful result to the paying party.
The disclosure third aspect provides a kind of electronic equipment, including memory and processor；Wherein, the memory is used
In storing one or more computer instruction, wherein one or more computer instruction is executed by the processor with reality
Now method as described in relation to the first aspect.
Disclosure fourth aspect provides a kind of computer readable storage medium, is stored thereon with computer instruction, the meter
Method as described in relation to the first aspect is realized in the instruction of calculation machine when being executed by processor.
In disclosure embodiment, by response to beneficiary to the Confirmation of Orders of paying party and operation of withholing,
Inquire whether assets of the paying party in the Third-party payment account in Third-party payment platform pay the order enough；
It is ordered described in paying enough in response to the paying party in the assets in the Third-party payment account in the Third-party payment platform
Single query result, freezes the assets for paying the order enough in the Third-party payment account as the paying party pair
The guarantee of the order payment；In response to successfully freezing the assets for paying the order enough in the Third-party payment account
As a result, to the paying party notify the order paid successfully as a result, Third-party payment process can be made not have bank
The participation of card eliminates single risk, and paying party/buyer is helped more smoothly to complete payment.Moreover, not needing to traverse when payment
The assets of all Third-party payment platform bindings of requestee, significantly reduce the overall time-consuming of payment, reduce requestee's waiting time.
In addition, by first freezing Third-party payment account assets, the rear asynchronous payment mode for initiating auto deduction, bank card remaining sum not
When sufficient, freezing of assets can be used as payment method of revealing all the details.
These aspects or other aspects of the disclosure can more straightforwards in the following description.
Detailed description of the invention
Technical solution in order to illustrate more clearly of the embodiment of the present disclosure or in the related technology, below will be to exemplary implementation
Attached drawing needed in example or description of Related Art is briefly described, it should be apparent that, the accompanying drawings in the following description
It is some exemplary embodiments of the disclosure, for those of ordinary skill in the art, before not making the creative labor
It puts, is also possible to obtain other drawings based on these drawings.
Fig. 1 shows the flow chart of the quick paying method according to one embodiment of the disclosure；
Fig. 2 shows the flow charts according to the quick paying method of another embodiment of the disclosure；
Fig. 3 shows an exemplary process of the step S101 in the quick paying method according to one embodiment of the disclosure
Figure；
Fig. 4 shows the structural block diagram of the rapid payment device according to one embodiment of the disclosure；
Fig. 5 shows the structural block diagram of the rapid payment device according to another embodiment of the disclosure；
Fig. 6 show the enquiry module 401 in the rapid payment device according to one embodiment of the disclosure one is exemplary
Structural block diagram；
Fig. 7 shows the structural block diagram of the equipment according to one embodiment of the disclosure；
Fig. 8 is adapted for the structure for realizing the computer system of the quick paying method according to one embodiment of the disclosure
Schematic diagram.
Specific embodiment
In order to make those skilled in the art more fully understand disclosure scheme, below in conjunction with the exemplary implementation of the disclosure
Attached drawing in example, is clearly and completely described the technical solution in disclosure exemplary embodiment.
In some processes of the description in the specification and claims of the disclosure and above-mentioned attached drawing, contain according to
Multiple operations that particular order occurs, but it should be clearly understood that these operations can not be what appears in this article suitable according to its
Sequence is executed or is executed parallel, and serial number of operation such as 101,102 etc. is only used for distinguishing each different operation, serial number
It itself does not represent and any executes sequence.In addition, these processes may include more or fewer operations, and these operations can
To execute or execute parallel in order.It should be noted that the description such as " first " herein, " second ", is for distinguishing not
Same message, equipment, module etc., does not represent sequencing, does not also limit " first " and " second " and be different type.
Below in conjunction with the attached drawing in disclosure exemplary embodiment, to the technical solution in disclosure exemplary embodiment
It being clearly and completely described, it is clear that described exemplary embodiment is only disclosure a part of the embodiment, rather than
Whole embodiments.Based on the embodiment in the disclosure, those skilled in the art institute without creative efforts
The every other embodiment obtained belongs to the range of disclosure protection..
Fig. 1 shows the flow chart of the quick paying method according to one embodiment of the disclosure.This method may include step
S101, S102 and S103.
In step s101, paying party is inquired to the Confirmation of Orders of paying party and operation of withholing in response to beneficiary
The whether enough pay invoices of the assets in Third-party payment account in Third-party payment platform.
In step s 102, the assets foot in the Third-party payment account in response to paying party in Third-party payment platform
The query result of enough pay invoices freezes the assets of enough pay invoices in Third-party payment account as paying party to described
The guarantee of order payment.
In step s 103, in response to successfully freezing the knots of the assets of enough pay invoices in Third-party payment account
Fruit has paid successful result to paying party notice order.
In embodiment of the present disclosure, when Third-party payment refers to that paying party descends scene to consume online under line, by
The payment services that Third-party payment mechanism provides generally pay the small amount that medium carries out by NFC, two dimensional code, sound wave etc. and withhold
Operation.
In embodiment of the present disclosure, auto deduction refers to that paying party, can when servicing using Third-party payment
Not select payment method actively, but it is accustomed to according to the payment behavior of paying party by Third-party payment mechanism or is arranged in advance
Payment method sequence, come automatically help paying party selection payment method and complete payment process.
In embodiment of the present disclosure, assets of the paying party in Third-party payment account refer to paying party
By Third-party payment platform on behalf of non-only limit account assets, the bank card money managed and maintained in tripartite's payment platform system of account
Produce etc., can also include consumer consumption behavior habit, payment behavior be accustomed to etc. and by the Third-party payment account of paying party outside
Prolong and the account that generates is preferential, channel is preferential etc..
In embodiment of the present disclosure, payment scheme face to face different from Third-party payment in the related technology or it is based on
The auto deduction etc. signed an agreement with Third-party payment platform, the faster payment scheme in embodiment of the present disclosure were being paid
In journey can not no bank card participation, eliminate single risk, paying party can be helped more smoothly to complete payment.And not
The total assets of Third-party payment account of the paying party in Third-party payment platform are needed to be traversed for, the overall consumption of payment is significantly reduced
When, reduce period of reservation of number.I.e., it is possible to establish the Third-party payment account assets of the first side of suspending payment, bales catch is initiated afterwards
The asynchronous payment mode of money, so that freezing of assets can be used as payment method of revealing all the details when Sorry, your ticket has not enough value for bank card.
In an example of the disclosure, when requestee/buyer applies paying under line, confirmed first by payee/seller
Order information, and initiate operation of withholing.Payee/seller inquires after receiving and withholing request in Third-party payment mechanism
Whether Third-party payment account assets pay enough.In another example, Third-party payment mechanism is after receiving and withholing request,
Payee/seller's identity can be checked first, inquire whether payee/seller Third-party payment account fund props up enough later
It pays.The condition for meeting rapid payment if enough payments is then freezed payment account assets as guarantee, is completed when time payment
Process, and successful result is paid to user Zhi Tongzhi.Compared to the relevant technologies, the scheme of disclosure embodiment is not due to having
The assets poll payment process of the Third-party payment platform binding of auto deduction, entire payment process can be quickly completed.
Therefore, in one embodiment of the present disclosure, it is used as guarantee due to freezing Third-party payment account assets,
As long as freezing of assets success, for the payment process of the order of paying party, can determine that paying party has been completed to pay,
And payment can necessarily succeed.It therefore, can also be with advice and pay side's order even if beneficiary is not yet withholdd success at this time
It pays successfully.That is, can know payment as quick as thought according to the faster payment scheme of disclosure embodiment for paying party
Success, promotes the willingness to pay of paying party.
In disclosure embodiment, by response to beneficiary to the Confirmation of Orders of paying party and operation of withholing,
Inquire assets whether enough pay invoice of the paying party in the Third-party payment account in Third-party payment platform；In response to paying
The query result of assets enough pay invoice of the money side in the Third-party payment account in Third-party payment platform, freezes third
The guarantee that the assets of enough pay invoices in square payment account pay order as paying party；In response to successfully freezing third
The assets of enough pay invoices in square payment account as a result, having paid successfully to paying party notice order as a result, can be with
So that Third-party payment process is not had the participation of bank card, eliminate single risk, paying party/buyer is helped more smoothly to complete to pay
Money.Moreover, not needing the assets of all Third-party payment platform bindings of traversal requestee when payment, it is overall to significantly reduce payment
Time-consuming reduces requestee's waiting time.In addition, by first freezing Third-party payment account assets, it is rear to initiate the different of auto deduction
Payment mode is walked, when Sorry, your ticket has not enough value for bank card, freezing of assets can be used as payment method of revealing all the details.
Fig. 2 shows the flow charts according to the quick paying method of another embodiment of the disclosure.Rapid payment shown in Fig. 2
Method includes the steps that the step identical as S101, S102 and S103 in quick paying method shown in FIG. 1, and shown in FIG. 1
Quick paying method is the difference is that further include step S201, S202, S203 and S204.
In one embodiment of the present disclosure, in step s 201, to the account other than the Third-party payment account of paying party
It withholds to be paid and whether be succeeded to order at family.
In one embodiment of the present disclosure, in response in step S201 to the Third-party payment account of paying party other than
Account is withholdd successfully as a result, in step S204, has paid successful result to beneficiary notice order.
In one embodiment of the present disclosure, in response in step S201 to the Third-party payment account of paying party other than
Account is withholdd unsuccessful as a result, in step S202, checks the button to the account other than the Third-party payment account of paying party
Whether money exceeds pre- specified time.
In one embodiment of the disclosure, in response in step S202 to the account other than the Third-party payment account of paying party
Family is withholdd beyond the inspection result definited time-lag in advance, in step S203, applies for that freezed assets pay order.
In one embodiment of the disclosure, in response to successfully applying for that freezed assets prop up order in step S203
Pay as a result, in step S204, paid successful result to beneficiary notice order.
In one embodiment of the present disclosure, in response in step S202 to the Third-party payment account of paying party other than
Account is withholdd without departing from the inspection result definited time-lag in advance, in step s 201, again to the Third-party payment account of paying party
Account in addition is withholdd to pay to order.
In one embodiment as shown in figure 2, only when freezing Third-party payment account assets as assuring successfully,
It withholds the account other than the Third-party payment account of paying party to be paid and whether successfully be checked to order.
I.e., it is possible to will freeze Third-party payment account assets as guarantee, without using Third-party payment account assets as primarily
The means of payment pays order.
In one embodiment of the present disclosure, after the completion of Third-party payment account freezing of assets process, Third-party payment machine
Structure needs to initiate auto deduction.It can be retried automatically when bank card, which is withholdd, network problem is occurred or fall list, until button
Until money success.When all assets other than the assets that paying party freezes can not all be paid successfully whithin a period of time (such as
The all inadequate situation of all bank card remaining sums), the assets freezed are paid the bill before can applying, are completed at the same time beneficiary/sell
Family withholds operation.Due to there is frozen capital to reveal all the details, beneficiary/seller does not have to worry that the empty situation of money goods two occurs.
Fig. 3 shows an exemplary process of the step S101 in the quick paying method according to one embodiment of the disclosure
Figure.As shown in figure 3, step S101 includes step S301 and S302.
In step S301, in response to beneficiary to the Confirmation of Orders of paying party and operation of withholing, paying party is checked
Identity information.
In step S301, pass through checking as a result, inquiry paying party is in third party in response to the identity information of paying party
The whether enough pay invoices of the assets in Third-party payment account on payment platform.
In embodiment of the disclosure, through Third-party payment mechanism after receiving and withholing request, verification gathering first
People/seller's identity inquires whether payee/seller Third-party payment account fund pays enough later.If payment enough
Then meet the condition of rapid payment, then freeze payment account assets as guarantee, complete when time course of payment, and to user
Zhi Tongzhi pays successful result.It may therefore be assured that according to the payment security of the faster payment scheme of disclosure embodiment.
Fig. 4 shows the structural block diagram of the rapid payment device according to one embodiment of the disclosure.Quick branch as shown in Figure 3
Device is paid to include enquiry module 401, freeze module 402 and the first notification module 403.
Enquiry module 401 is configured to respond to beneficiary to the Confirmation of Orders of paying party and operation of withholing, inquiry
Assets whether enough pay invoice of the paying party in the Third-party payment account in Third-party payment platform.
Freeze module 402 and is configured to respond to paying party in the Third-party payment account in Third-party payment platform
The query result of the enough pay invoices of assets freezes the assets of enough pay invoices in Third-party payment account as paying party
Guarantee to order payment；
First notification module 403 is configured to respond to freeze module 402 and successfully freezes foot in Third-party payment account
The assets of enough pay invoices as a result, having paid successful result to paying party notice order.
In embodiment of the present disclosure, when Third-party payment refers to that paying party descends scene to consume online under line, by
The payment services that Third-party payment mechanism provides generally pay the small amount that medium carries out by NFC, two dimensional code, sound wave etc. and withhold
Operation.
In embodiment of the present disclosure, auto deduction refers to that paying party, can when servicing using Third-party payment
Not select payment method actively, but it is accustomed to according to the payment behavior of paying party by Third-party payment mechanism or is arranged in advance
Payment method sequence, come automatically help paying party selection payment method and complete payment process.
In embodiment of the present disclosure, assets of the paying party in Third-party payment account refer to paying party
By Third-party payment platform on behalf of non-only limit account assets, the bank card money managed and maintained in tripartite's payment platform system of account
Produce etc., can also include consumer consumption behavior habit, payment behavior be accustomed to etc. and by the Third-party payment account of paying party outside
Prolong and the account that generates is preferential, channel is preferential etc..
In embodiment of the present disclosure, payment scheme face to face different from Third-party payment in the related technology or it is based on
The auto deduction etc. signed an agreement with Third-party payment platform, the faster payment scheme in embodiment of the present disclosure were being paid
In journey can not no bank card participation, eliminate single risk, paying party can be helped more smoothly to complete payment.And not
The total assets of Third-party payment account of the paying party in Third-party payment platform are needed to be traversed for, the overall consumption of payment is significantly reduced
When, reduce period of reservation of number.I.e., it is possible to establish the Third-party payment account assets of the first side of suspending payment, bales catch is initiated afterwards
The asynchronous payment mode of money, so that freezing of assets can be used as payment method of revealing all the details when Sorry, your ticket has not enough value for bank card.
In an example of the disclosure, when requestee/buyer applies paying under line, confirmed first by payee/seller
Order information, and initiate operation of withholing.Payee/seller inquires after receiving and withholing request in Third-party payment mechanism
Whether Third-party payment account assets pay enough.In another example, Third-party payment mechanism is after receiving and withholing request,
Payee/seller's identity can be checked first, inquire whether payee/seller Third-party payment account fund props up enough later
It pays.The condition for meeting rapid payment if enough payments is then freezed payment account assets as guarantee, is completed when time payment
Process, and successful result is paid to user Zhi Tongzhi.Compared to the relevant technologies, the scheme of disclosure embodiment is not due to having
The assets poll payment process of the Third-party payment platform binding of auto deduction, entire payment process can be quickly completed.
Therefore, in one embodiment of the present disclosure, it is used as guarantee due to freezing Third-party payment account assets,
As long as freezing of assets success, for the payment process of the order of paying party, can determine that paying party has been completed to pay,
And payment can necessarily succeed.It therefore, can also be with advice and pay side's order even if beneficiary is not yet withholdd success at this time
It pays successfully.That is, can know payment as quick as thought according to the faster payment scheme of disclosure embodiment for paying party
Success, promotes the willingness to pay of paying party.
In disclosure embodiment, by enquiry module, beneficiary is configured to respond to the order of paying party
Confirm and whether operation of withholing, assets of the inquiry paying party in the Third-party payment account in Third-party payment platform are enough
Pay invoice；Freeze module, is configured to respond to paying party in the Third-party payment account in Third-party payment platform
The query result of the enough pay invoices of assets freezes the assets of enough pay invoices in Third-party payment account as paying party
Guarantee to order payment；First notification module is configured to respond to successfully freeze enough branch in Third-party payment account
Pay order assets as a result, to paying party notice order paid successfully as a result, Third-party payment process can be made not have
The participation of bank card eliminates single risk, and paying party/buyer is helped more smoothly to complete payment.Moreover, not needed when payment
The assets of all Third-party payment platform bindings of requestee are traversed, significant decrease payment is overall time-consuming, reduces requestee's waiting
Time.In addition, by first freezing Third-party payment account assets, the rear asynchronous payment mode for initiating auto deduction, in bank card
When Sorry, your ticket has not enough value, freezing of assets can be used as payment method of revealing all the details.
Fig. 5 shows the structural block diagram of the rapid payment device according to another embodiment of the disclosure.Quick branch shown in fig. 5
Pay device include in rapid payment device shown in Fig. 4 enquiry module 401, freeze module 402 and the first notification module 403
Identical part, with rapid payment device shown in Fig. 4 the difference is that further including withhold module 501, inspection module
502, apply for module 503 and the second notification module 504.
In one embodiment of the present disclosure, module of withholing 501 be configured as to the Third-party payment account of paying party with
Outer account is withholdd to pay to the order.
In one embodiment of the present disclosure, the second notification module 504 is configured to respond to 501 pairs of module payments of withholing
Account other than the Third-party payment account of side is withholdd successfully as a result, having paid successful result to beneficiary notice order.
In one embodiment of the present disclosure, check that module 502 is configured to respond to withhold module 501 to paying party
Account other than Third-party payment account is withholdd unsuccessful as a result, checking to the account other than the Third-party payment account of paying party
It whether withholds beyond pre- specified time at family.
In one embodiment of the disclosure, application module 503 is configured to respond to check module 502 to the of paying party
The inspection result for exceeding and definiting time-lag in advance of withholing of account other than tripartite's payment account, applies for that freezed assets carry out order
Payment.
In one embodiment of the disclosure, the second notification module 504, which is configured to respond to application module 503, successfully to be applied
The assets freezed to order paid as a result, to beneficiary notice order paid successful result.
In one embodiment of the present disclosure, module of withholing 501 is additionally configured in response to checking module 502 to paying party
Third-party payment account other than account withhold without departing from the inspection result definited time-lag in advance, again to the third party of paying party
Account other than payment account is withholdd to pay to order.
In one embodiment shown in Fig. 5, only when freezing Third-party payment account assets as assuring successfully,
It withholds the account other than the Third-party payment account of paying party to be paid and whether successfully be checked to order.
I.e., it is possible to will freeze Third-party payment account assets as guarantee, without using Third-party payment account assets as primarily
The means of payment pays order.
In one embodiment of the present disclosure, after the completion of Third-party payment account freezing of assets process, Third-party payment machine
Structure needs to initiate auto deduction.It can be retried automatically when bank card, which is withholdd, network problem is occurred or fall list, until button
Until money success.When all assets other than the assets that paying party freezes can not all be paid successfully whithin a period of time (such as
The all inadequate situation of all bank card remaining sums), the assets freezed are paid the bill before can applying, are completed at the same time beneficiary/sell
Family withholds operation.Due to there is frozen capital to reveal all the details, beneficiary/seller does not have to worry that the empty situation of money goods two occurs.
Fig. 6 show the enquiry module 401 in the rapid payment device according to one embodiment of the disclosure one is exemplary
Structural block diagram.As shown in fig. 6, enquiry module 401 includes identity checks submodule 601 and inquiry submodule 602.
Identity checks submodule 601 is configured to respond to beneficiary to the Confirmation of Orders of paying party and the behaviour that withholds
Make, checks the identity information of paying party.
The identity information that inquiry submodule 602 is configured to respond to paying party passes through checking as a result, inquiry paying party
The whether enough pay invoices of the assets in Third-party payment account in Third-party payment platform.
In embodiment of the disclosure, through Third-party payment mechanism after receiving and withholing request, verification gathering first
People/seller's identity inquires whether payee/seller Third-party payment account fund pays enough later.If payment enough
Then meet the condition of rapid payment, then freeze payment account assets as guarantee, complete when time course of payment, and to user
Zhi Tongzhi pays successful result.It may therefore be assured that according to the payment security of the faster payment scheme of disclosure embodiment.
The foregoing describe the built-in function of rapid payment device and structures, in a possible design, the rapid payment
The structure of device can realize as rapid payment equipment, as shown in Figure 7, the processing equipment 700 may include processor 701 and
Memory 702.
The memory 702 supports rapid payment device to execute quick paying method in any of the above-described embodiment for storing
Program, the processor 701 is configurable for executing the program stored in the memory 702.
The memory 702 is for storing one or more computer instruction, wherein one or more computer refers to
Order is executed by the processor 701.
The processor 701 is used to execute all or part of the steps in aforementioned approaches method step.
It wherein, can also include communication interface in the structure of the rapid payment equipment, for rapid payment equipment and its
His equipment or communication.
Disclosure exemplary embodiment additionally provides a kind of computer storage medium, for storing the rapid payment device
Computer software instructions used, it includes for executing program involved in quick paying method in any of the above-described embodiment.
Fig. 8 is adapted for the structure for realizing the computer system of the quick paying method according to one embodiment of the disclosure
Schematic diagram.
As shown in figure 8, computer system 800 includes central processing unit (CPU) 801, it can be read-only according to being stored in
Program in memory (ROM) 802 or be loaded into the program in random access storage device (RAM) 803 from storage section 808 and
Execute the various processing in above-mentioned embodiment shown in FIG. 1.In RAM803, be also stored with system 800 operate it is required each
Kind program and data.CPU801, ROM802 and RAM803 are connected with each other by bus 804.Input/output (I/O) interface 805
It is also connected to bus 804.
I/O interface 805 is connected to lower component: the importation 806 including keyboard, mouse etc.；It is penetrated including such as cathode
The output par, c 807 of spool (CRT), liquid crystal display (LCD) etc. and loudspeaker etc.；Storage section 808 including hard disk etc.；
And the communications portion 809 of the network interface card including LAN card, modem etc..Communications portion 809 via such as because
The network of spy's net executes communication process.Driver 810 is also connected to I/O interface 805 as needed.Detachable media 811, such as
Disk, CD, magneto-optic disk, semiconductor memory etc. are mounted on as needed on driver 810, in order to read from thereon
Computer program be mounted into storage section 808 as needed.
Particularly, according to embodiment of the present disclosure, it is soft to may be implemented as computer above with reference to Fig. 1 method described
Part program.For example, embodiment of the present disclosure includes a kind of computer program product comprising be tangibly embodied in and its readable
Computer program on medium, the computer program include the program code for executing the data processing method of Fig. 1.At this
In the embodiment of sample, which can be downloaded and installed from network by communications portion 809, and/or from can
Medium 811 is dismantled to be mounted.
Flow chart and block diagram in attached drawing illustrate system, method and computer according to the various embodiments of the disclosure
The architecture, function and operation in the cards of program product.In this regard, each box in course diagram or block diagram can be with
A part of a module, section or code is represented, a part of the module, section or code includes one or more
Executable instruction for implementing the specified logical function.It should also be noted that in some implementations as replacements, institute in box
The function of mark can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated are practical
On can be basically executed in parallel, they can also be executed in the opposite order sometimes, and this depends on the function involved.Also it wants
It is noted that the combination of each box in block diagram and or flow chart and the box in block diagram and or flow chart, Ke Yiyong
The dedicated hardware based system of defined functions or operations is executed to realize, or can be referred to specialized hardware and computer
The combination of order is realized.
Being described in unit or module involved in disclosure embodiment can be realized by way of software, can also
It is realized in a manner of through hardware.Described unit or module also can be set in the processor, these units or module
Title do not constitute the restriction to the unit or module itself under certain conditions.
As on the other hand, the disclosure additionally provides a kind of computer readable storage medium, the computer-readable storage medium
Matter can be computer readable storage medium included in device described in above embodiment；It is also possible to individualism,
Without the computer readable storage medium in supplying equipment.Computer-readable recording medium storage has one or more than one journey
Sequence, described program is used to execute by one or more than one processor is described in disclosed method.
Above description is only the preferred embodiment of the disclosure and the explanation to institute's application technology principle.Those skilled in the art
Member is it should be appreciated that invention scope involved in the disclosure, however it is not limited to technology made of the specific combination of above-mentioned technical characteristic
Scheme, while should also cover in the case where not departing from the inventive concept, it is carried out by above-mentioned technical characteristic or its equivalent feature
Any combination and the other technical solutions formed.Such as features described above has similar function with (but being not limited to) disclosed in the disclosure
Can technical characteristic replaced mutually and the technical solution that is formed.
Claims (12)
1. a kind of quick paying method characterized by comprising
In response to beneficiary to the Confirmation of Orders of paying party and operation of withholing, it is flat in Third-party payment to inquire the paying party
Whether the assets in Third-party payment account on platform pay the order enough；
Institute is paid enough in response to assets of the paying party in the Third-party payment account in the Third-party payment platform
The query result for stating order freezes the assets for paying the order enough in the Third-party payment account as the payment
Guarantee of the side to order payment；
In response to successfully freeze the assets for paying the order enough in the Third-party payment account as a result, to described pair
Money side notifies the order to pay successful result.
2. the method according to claim 1, wherein further include:
It withholds the account other than the Third-party payment account of the paying party to pay to the order；
It withholds successfully in response to the account other than the Third-party payment account to the paying party as a result, logical to the beneficiary
Know that the order has paid successful result.
3. according to the method described in claim 2, it is characterised by comprising:
Withhold unsuccessful in response to the account other than the Third-party payment account to the paying party as a result, checking to described pair
Whether the withholing for account other than the Third-party payment account of money side definites time-lag beyond pre-；
In response to withholing beyond the inspection result definited time-lag in advance for the account other than the Third-party payment account to the paying party,
Apply for that freezed assets pay the order；
In response to successfully apply freezed assets to the order paid as a result, to the beneficiary notice described in order
It is single to have paid successful result.
4. according to the method described in claim 3, it is characterized by further comprising:
In response to withholing without departing from the inspection knot definited time-lag in advance for the account other than the Third-party payment account to the paying party
Fruit again withholds to pay to the order to the account other than the Third-party payment account of the paying party.
5. the method according to claim 1, wherein it is described in response to beneficiary to the Confirmation of Orders of paying party
And operation of withholing, whether enough inquire assets of the paying party in the Third-party payment account in Third-party payment platform
Pay the order, comprising:
In response to beneficiary to the Confirmation of Orders of paying party and operation of withholing, the identity information of the paying party is checked；
In response to the paying party identity information by check as a result, inquiring the paying party in Third-party payment platform
Third-party payment account in assets whether pay the order enough.
6. a kind of rapid payment device characterized by comprising
Enquiry module is configured to respond to beneficiary to the Confirmation of Orders of paying party and operation of withholing, and inquiry is described to pay
Whether assets of the money side in the Third-party payment account in Third-party payment platform pay the order enough；
Freeze module, is configured to respond to the paying party in the Third-party payment account in the Third-party payment platform
Assets pay the query result of the order enough, freeze to pay the order enough in the Third-party payment account
The guarantee that assets pay the order as the paying party；
First notification module, be configured to respond to it is described freeze module successfully freeze it is enough in the Third-party payment account
Pay the assets of the order as a result, notifying the order to pay successful result to the paying party.
7. device according to claim 6, which is characterized in that further include:
It withholds module, is configured as the account other than the Third-party payment account to the paying party and withholds to be ordered to described
Singly paid；
Second notification module, be configured to respond to it is described withhold module to the Third-party payment account of the paying party other than
Account is withholdd successfully as a result, notifying the order to pay successful result to the beneficiary.
8. device according to claim 7 characterized by comprising
It checks module, is configured to respond to described withhold module to the account other than the Third-party payment account of the paying party
Withhold unsuccessful as a result, checking whether withholing beyond predetermined to the account other than the Third-party payment account of the paying party
Time limit；
Apply for module, is configured to respond to the inspection module to the account other than the Third-party payment account of the paying party
Withhold beyond the inspection result definited time-lag in advance, apply for that freezed assets pay the order；
Wherein, second notification module is configured as:
In response to it is described application module successfully apply freezed assets to the order paid as a result, to the gathering
Order described in Fang Tongzhi has paid successful result.
9. device according to claim 8, which is characterized in that the module of withholing is also configured to
In response to the inspection module withholing without departing from predetermined to the account other than the Third-party payment account of the paying party
The inspection result in time limit again withholds to the order to the account other than the Third-party payment account of the paying party
It is paid.
10. device according to claim 6, which is characterized in that the enquiry module includes:
Identity checks submodule is configured to respond to beneficiary to the Confirmation of Orders of paying party and operation of withholing, checks
The identity information of the paying party；
Submodule is inquired, is configured to respond to the identity information of the paying party by checking as a result, inquiring the payment
Whether assets of the side in the Third-party payment account in Third-party payment platform pay the order enough.
11. a kind of electronic equipment, which is characterized in that including memory and processor；Wherein, the memory is for storing one
Or a plurality of computer instruction, wherein one or more computer instruction is executed by the processor to realize that right such as is wanted
Seek the described in any item methods of 1-5.
12. a kind of computer readable storage medium, is stored thereon with computer instruction, which is characterized in that the computer instruction quilt
Processor realizes the method according to claim 1 to 5 when executing.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810983654.9A CN109272321B (en) | 2018-08-27 | 2018-08-27 | Quick payment method, device, equipment and computer readable storage medium |
| CN202311725446.6A CN117853111A (en) | 2018-08-27 | 2018-08-27 | Quick payment method, device, equipment and computer readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810983654.9A CN109272321B (en) | 2018-08-27 | 2018-08-27 | Quick payment method, device, equipment and computer readable storage medium |
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| Application Number | Title | Priority Date | Filing Date |
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| CN202311725446.6A Division CN117853111A (en) | 2018-08-27 | 2018-08-27 | Quick payment method, device, equipment and computer readable storage medium |
Publications (2)
| Publication Number | Publication Date |
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| CN109272321A true CN109272321A (en) | 2019-01-25 |
| CN109272321B CN109272321B (en) | 2023-11-24 |
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| CN201810983654.9A Active CN109272321B (en) | 2018-08-27 | 2018-08-27 | Quick payment method, device, equipment and computer readable storage medium |
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| CN202311725446.6A Pending CN117853111A (en) | 2018-08-27 | 2018-08-27 | Quick payment method, device, equipment and computer readable storage medium |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20220383300A1 (en) * | 2019-11-11 | 2022-12-01 | Netsunion Clearing Corporation | Payment transaction processing system, and payment transaction processing method and apparatus |
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Also Published As
| Publication number | Publication date |
|---|---|
| CN109272321B (en) | 2023-11-24 |
| CN117853111A (en) | 2024-04-09 |
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