CN109325744B

CN109325744B - Payment processing method, payment processing device, payment processing medium and electronic equipment

Info

Publication number: CN109325744B
Application number: CN201811237189.0A
Authority: CN
Inventors: 闫洪康
Original assignee: Beijing Sankuai Online Technology Co Ltd
Current assignee: Beijing Sankuai Online Technology Co Ltd
Priority date: 2018-10-23
Filing date: 2018-10-23
Publication date: 2022-05-27
Anticipated expiration: 2038-10-23
Also published as: CA3217578A1; CA3059719A1; CN109325744A; CA3059719C

Abstract

The embodiment of the disclosure provides a payment processing method, a device, a medium and an electronic device, wherein the payment processing method comprises the following steps: according to the received payment request, acquiring a verification result shared by a verification platform and aiming at the payment request; determining whether the payment request passes the verification according to the verification result of the payment request; and if the payment request passes the verification, executing payment processing according to the payment request. The technical scheme of the embodiment of the disclosure avoids that the payment platform repeatedly performs the verification process which is completed by verification in the same payment service, effectively solves the problem of long payment time caused by repeatedly executing the same verification logic, and is beneficial to quick payment. Meanwhile, the processing load of the terminal equipment and the payment platform is prevented from being increased due to the fact that repeated logic processes are executed, and further the maintenance cost is reduced.

Description

Payment processing method, payment processing device, payment processing medium and electronic equipment

Technical Field

The present disclosure relates to the field of computer technologies, and in particular, to a payment processing method, an apparatus, a medium, and an electronic device.

Background

With the development of electronic commerce platforms, online payment has become an indispensable payment mode in people's life. The current payment mode is to execute a series of logic judgments through a plurality of nodes, so as to realize payment. On the basis, developers improve the payment success rate of the whole system by continuously improving the reliability and stability of a single node. This payment approach to improving reliability and stability of individual nodes focuses more on individual nodes.

It is to be noted that the information disclosed in the above background section is only for enhancement of understanding of the background of the present disclosure, and thus may include information that does not constitute prior art known to those of ordinary skill in the art.

Disclosure of Invention

An object of the embodiments of the present disclosure is to provide a payment processing method, apparatus, medium, and electronic device, so as to overcome, at least to some extent, the problem of repeatedly executing the same verification logic in the same payment service.

Additional features and advantages of the disclosure will be set forth in the detailed description which follows, or in part will be obvious from the description, or may be learned by practice of the disclosure.

According to a first aspect of embodiments of the present disclosure, there is provided a payment processing method, including: according to the received payment request, acquiring a verification result shared by a verification platform and aiming at the payment request; determining whether the payment request passes the verification according to the verification result of the payment request; and if the payment request passes the verification, executing payment processing according to the payment request.

In some embodiments of the present disclosure, based on the foregoing scheme, obtaining a verification result shared by a verification platform for the payment request includes: obtaining the verification result from a storage space shared with the verification platform; or receiving the verification result sent by the verification platform; or acquiring the verification result issued by the verification platform from a block chain network.

In some embodiments of the present disclosure, based on the foregoing solution, determining whether the payment request is verified according to a verification result of the payment request includes: acquiring the verification result of each verification mode from the verification result of the payment request according to each verification mode corresponding to the payment request; if the target verification mode which does not obtain the verification result and/or the verification result is failed exists, verifying the target verification mode again; and after the target verification mode is verified, determining that the payment request is verified.

In some embodiments of the present disclosure, based on the foregoing solution, determining whether the payment request is verified according to a verification result of the payment request, further includes: and if the verification results of all the verification modes are passed, determining that the payment request passes the verification.

According to a second aspect of embodiments of the present disclosure, there is provided a payment processing method, including: verifying the obtained payment request to obtain a verification result of the payment request; and sharing the verification result of the payment request with each payment platform.

In some embodiments of the present disclosure, based on the foregoing solution, sharing the verification result of the payment request with each payment platform includes: storing the verification result of the payment request into a storage space shared with each payment platform so as to share the verification result with each payment platform; or sending the verification result of the payment request to each payment platform; or issuing the verification result of the payment request to a blockchain network so as to share the verification result with each payment platform through the blockchain network.

In some embodiments of the present disclosure, based on the foregoing solution, sharing the verification result of the payment request with each payment platform includes: and sharing the verification result of the payment request with each payment platform in an asynchronous processing mode.

According to a third aspect of embodiments of the present disclosure, there is provided a payment processing apparatus comprising: the payment verification system comprises an acquisition unit, a verification unit and a verification unit, wherein the acquisition unit is used for acquiring a verification result which is shared by a verification platform and aims at a payment request according to the received payment request; the determining unit is used for determining whether the payment request passes the verification according to the verification result of the payment request; and the processing unit is used for executing payment processing according to the payment request after the payment request is confirmed to pass the verification.

In some embodiments of the present disclosure, based on the foregoing scheme, the obtaining unit is configured to: obtaining the verification result from a storage space shared with the verification platform; or receiving the verification result sent by the verification platform; or acquiring the verification result issued by the verification platform from a block chain network.

In some embodiments of the present disclosure, based on the foregoing scheme, the determining unit is configured to: acquiring the verification result of each verification mode from the verification result of the payment request according to each verification mode corresponding to the payment request; if the target verification mode which does not obtain the verification result and/or the verification result is failed exists, verifying the target verification mode again; and after the target verification mode is verified, determining that the payment request is verified.

In some embodiments of the present disclosure, based on the foregoing scheme, the determining unit is configured to: and if the verification results of all the verification modes are passed, determining that the payment request passes the verification.

According to a fourth aspect of embodiments of the present disclosure, there is provided a payment processing apparatus comprising: the verification unit is used for verifying the obtained payment request to obtain a verification result of the payment request; and the sharing unit is used for sharing the verification result of the payment request with each payment platform.

In some embodiments of the present disclosure, based on the foregoing scheme, the sharing unit is configured to: storing the verification result of the payment request into a storage space shared with each payment platform so as to share the verification result with each payment platform; or sending the verification result of the payment request to each payment platform; or issuing the verification result of the payment request to a blockchain network so as to share the verification result with each payment platform through the blockchain network.

In some embodiments of the present disclosure, based on the foregoing scheme, the sharing unit is configured to: and sharing the verification result of the payment request with each payment platform in an asynchronous processing mode.

According to a fifth aspect of embodiments of the present disclosure, there is provided a computer readable medium having stored thereon a computer program which, when executed by a processor, implements a payment processing method as described in the above embodiments.

According to a sixth aspect of an embodiment of the present disclosure, there is provided an electronic apparatus including: one or more processors; a storage device to store one or more programs that, when executed by the one or more processors, cause the one or more processors to implement a payment processing method as described in the embodiments above.

The technical scheme provided by the embodiment of the disclosure can have the following beneficial effects:

in the technical solutions provided in some embodiments of the present disclosure, the payment request is verified, and the verification result of the payment request is shared with each payment platform, so that the payment platform can directly use the verified verification result, thereby avoiding that the payment platform repeatedly performs the verification process completed by verification in the same payment service, effectively solving the problem of long payment time due to repeated execution of the same verification logic, and being beneficial to fast payment. Meanwhile, the processing load of the terminal equipment and the payment platform is prevented from being increased due to the fact that repeated logic processes are executed, and further the maintenance cost is reduced.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and together with the description, serve to explain the principles of the disclosure. It is to be understood that the drawings in the following description are merely exemplary of the disclosure, and that other drawings may be derived from those drawings by one of ordinary skill in the art without the exercise of inventive faculty. In the drawings:

FIG. 1 schematically illustrates a flow diagram of a payment processing method according to another embodiment of the disclosure;

FIG. 2 shows a flow chart for determining whether a payment request is verified based on a verification of the payment request;

FIG. 3 schematically illustrates a flow diagram of a payment processing method according to one embodiment of the present disclosure;

FIG. 4 illustrates a flow diagram of a payment processing method when the verification platform and the payment platform are verified in the same manner, according to one embodiment of the disclosure;

FIG. 5 schematically illustrates a block diagram of a payment processing apparatus according to one embodiment of the present disclosure;

FIG. 6 schematically illustrates a block diagram of a payment processing apparatus according to another embodiment of the present disclosure;

FIG. 7 illustrates a schematic structural diagram of a computer system suitable for use with the electronic device to implement embodiments of the present disclosure.

Detailed Description

Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art.

Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to give a thorough understanding of embodiments of the disclosure. One skilled in the relevant art will recognize, however, that the subject matter of the present disclosure can be practiced without one or more of the specific details, or with other methods, components, devices, steps, and so forth. In other instances, well-known methods, devices, implementations, or operations have not been shown or described in detail to avoid obscuring aspects of the disclosure.

The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor means and/or microcontroller means.

The flow charts shown in the drawings are merely illustrative and do not necessarily include all of the contents and operations/steps, nor do they necessarily have to be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.

A common payment method is to perform a series of logic decisions to achieve payment through multiple platforms (for example, multiple platforms including an aggregation cashier and one or more third party payment cashiers in an order payment link). In fact, however, there may be overlapping portions of the logic executed between the payment platforms during the payment process, i.e., it is possible that the same complex logic may be repeatedly executed on different platforms during a payment process. The process of repeatedly executing the same logic causes the problem of long payment time, is not beneficial to quick payment, and simultaneously, the problems of platform resource waste and maintenance cost improvement are caused by repeated execution. The method and the device achieve the purpose of executing only once by sharing the logic result of the possibly overlapped part of logic, and overcome the problems caused by repeatedly executing the same check logic in the same payment service. The specific content of the disclosure is as follows:

fig. 1 schematically shows a flow diagram of a payment processing method according to another embodiment of the present disclosure. The execution subject of the payment processing method is each payment platform server supported by e-commerce and the like.

Referring to fig. 1, a payment processing method according to another embodiment of the present disclosure includes the following steps S110 to S130, which are explained in detail as follows:

in step S110, according to the received payment request, a verification result shared by the verification platform for the payment request is obtained.

In one embodiment of the present disclosure, the verification result shared by the verification platform for the payment request may be obtained in various ways. For example, the verification result is obtained from a storage space shared with the verification platform; as another example, the verification result sent by the verification platform is received; for another example, the verification result issued by the verification platform is obtained from a block chain network.

In step S120, it is determined whether the payment request is verified according to a verification result of the payment request.

In an embodiment of the present disclosure, a method for determining whether the payment request is verified according to a verification result of the payment request, as shown in fig. 2, includes the following steps S210 to S230, which are explained in detail below:

in step S210, according to each verification method corresponding to the payment request, a verification result of each verification method is obtained from a verification result of the payment request.

In an embodiment of the present disclosure, each verification manner corresponding to the payment request includes at least one verification manner, and the number of the verification manners is unrelated to the number of the verification manners of the verification platform, and may be more than/less than/equal to the number of the verification manners of the verification platform.

In an embodiment of the present disclosure, when the verification result of each verification manner is obtained from the verification result of the payment request, the verification results of each verification manner may be obtained from the verification results of the payment request respectively according to a certain sequence, or the verification results of a plurality of verification manners may be obtained from the verification results of the payment request at the same time. For example, blacklist verification, anti-disturbance verification and real name verification need to be performed in the payment platform, and the payment platform can respectively obtain verification results of the blacklist verification, the anti-disturbance verification and the real name verification in the verification result of the payment request according to the sequence of the verification; or the payment platform can search and obtain the verification results of three verification modes, namely blacklist verification, anti-disturbance verification and real name verification, in the verification results of the payment request at the same time.

Step S220, if there is a target verification mode in which the verification result is not obtained and/or the verification result is failed, verifying the target verification mode again.

In an embodiment of the present disclosure, if the verification manner of the payment platform is greater than that of the verification platform, there may be a target verification manner in which a verification result is not obtained. Or if some verification modes in the verification platform fail to pass and the verification mode still needs to be verified in the payment platform, determining the verification mode as a target verification mode and verifying again.

Step S230, after the target verification method is verified, determining that the payment request is verified.

In an embodiment of the present disclosure, when determining whether the payment request passes the verification according to the verification result of the payment request, if the verification result of each verification manner passes, it is determined that the payment request passes the verification.

With continued reference to fig. 1, in step S130, if it is determined that the payment request is verified, a payment process is performed according to the payment request.

The technical solutions of the embodiments shown in fig. 1 and fig. 2 are to explain the payment processing method of the embodiments of the present disclosure from the perspective of a payment platform, and the payment processing method of the embodiments of the present disclosure is explained below with reference to fig. 3 from the perspective of a verification platform (i.e., a platform that performs verification before invoking a specific payment platform, such as an aggregation cash register):

fig. 3 schematically shows a flow diagram of a payment processing method according to one embodiment of the present disclosure. The execution subject of the payment processing method may be a server or the like of each e-commerce platform.

Referring to fig. 3, a payment processing method according to an embodiment of the present disclosure includes the following steps S310 to S320, which are described in detail below:

in step S310, if a payment request is received, the payment request is verified to obtain a verification result of the payment request.

In an embodiment of the present disclosure, the verification performed on the payment request includes at least one verification method, and the verification method may be blacklist verification, anti-disturbance verification, real name verification, card binding verification, wind control verification, and the like.

In one embodiment of the present disclosure, a user may initiate a payment request in each e-commerce platform using a terminal device (e.g., a smartphone, a tablet, a computer, etc.). The e-commerce platform can be an e-commerce webpage platform and can also be an e-commerce client platform.

In step S320, the verification result of the payment request is shared with each payment platform.

In one embodiment of the present disclosure, sharing the verification result of the payment request with each payment platform may be performed in various ways, for example, storing the verification result of the payment request in a storage space shared with each payment platform to share the verification result with each payment platform; if the payment request is not verified, sending the verification result of the payment request to each payment platform for sharing; for another example, the verification result of the payment request is issued to a blockchain network, so as to share the verification result with each payment platform through the blockchain network.

In one embodiment of the present disclosure, when the verification result of the payment request is shared with each payment platform, the verification result may be processed in an asynchronous manner. For example, in the verification process, if the verification methods such as blacklist verification and anti-disturbance verification have been completed, the verification result may be asynchronously shared to each payment platform. In the following, with reference to fig. 4, taking a payment service with a verification platform and a payment platform having the same verification method as an example, details of implementation of the technical solution of the embodiment of the present disclosure are described in detail, which specifically include the following steps:

step S410, after receiving the payment request, the verification platform sequentially performs blacklist verification, anti-disturbance verification, real name verification, card binding verification, and wind control verification on the payment request (the specific verification methods and the number of the verification methods are only examples), and obtains a verification result of the corresponding verification method.

Step S420, asynchronously writing the verification result into the verification result sharing platform for sharing the verification result of the payment request with each payment platform.

Step S430, executing other business logic before payment, such as calling a corresponding payment platform according to the target payment method selected by the user, so that the payment platform processes the payment request accordingly.

The above is the steps executed by the verification platform in this embodiment, and the following describes the steps executed by the payment platform in this embodiment, and specifically includes:

step S440, according to the received payment request, obtaining verification results of blacklist verification, anti-disturbance verification, real name verification, card binding verification and wind control verification which are stored by a verification result sharing platform and aim at the payment request.

And step S450, respectively determining whether blacklist verification, anti-disturbance verification, real name verification, card binding verification and wind control verification are verified to pass according to the verification result of the payment request.

In step S460, other business logic in the payment is executed, for example, payment processing may be executed according to the payment request after the payment request is determined to pass the verification.

It should be noted that the verification platform and the payment platform in the above embodiments may be an aggregation cashier and a third party payment cashier in a single order payment link.

Embodiments of the disclosed apparatus are described below that may be used to perform the disclosed payment processing methods described above.

Fig. 5 schematically shows a block diagram of a payment processing arrangement according to another embodiment of the present disclosure, which may be provided in a platform server of a payer.

Referring to fig. 5, a payment processing apparatus 500 according to one embodiment of the present disclosure includes: an acquisition unit 501, a determination unit 502 and a processing unit 503.

The obtaining unit 501 is configured to obtain, according to a received payment request, a verification result shared by a verification platform and aiming at the payment request; the determining unit 502 is configured to determine whether the payment request passes the verification according to a verification result of the payment request; the processing unit 503 is configured to execute payment processing according to the payment request after determining that the payment request is verified.

In some embodiments of the present disclosure, based on the foregoing scheme, the obtaining unit 501 is configured to: obtaining the verification result from a storage space shared with the verification platform; or receiving the verification result sent by the verification platform; or acquiring the verification result issued by the verification platform from a block chain network.

In some embodiments of the present disclosure, based on the foregoing scheme, the determining unit 502 is configured to: acquiring the verification result of each verification mode from the verification result of the payment request according to each verification mode corresponding to the payment request; if the target verification mode which does not obtain the verification result and/or the verification result is failed exists, verifying the target verification mode again; and after the target verification mode is verified, determining that the payment request is verified.

In some embodiments of the present disclosure, based on the foregoing scheme, the determining unit 502 is configured to: and if the verification results of all the verification modes are passed, determining that the payment request passes the verification.

Fig. 6 schematically illustrates a block diagram of a payment processing arrangement, which may be provided on a server of an e-commerce platform, according to one embodiment of the present disclosure.

Referring to fig. 6, a payment processing apparatus 600 according to an embodiment of the present disclosure includes: a verification unit 601 and a sharing unit 602.

The verification unit 601 is configured to verify the payment request when receiving the payment request, so as to obtain a verification result of the payment request; the sharing unit 602 is configured to share the verification result of the payment request with each payment platform.

In some embodiments of the present disclosure, based on the foregoing scheme, the sharing unit 602 is configured to: storing the verification result of the payment request into a storage space shared with each payment platform so as to share the verification result with each payment platform; or sending the verification result of the payment request to each payment platform; or issuing the verification result of the payment request to a blockchain network so as to share the verification result with each payment platform through the blockchain network.

In some embodiments of the present disclosure, based on the foregoing scheme, the sharing unit 602 is configured to: and sharing the verification result of the payment request with each payment platform in an asynchronous processing mode.

For details which are not disclosed in the embodiments of the device of the present disclosure, please refer to the embodiments of the payment processing method of the present disclosure described above for details which are not disclosed in the embodiments of the device of the present disclosure, since each functional module of the payment processing device of the exemplary embodiment of the present disclosure corresponds to a step of the exemplary embodiment of the payment processing method described above.

Referring now to FIG. 7, shown is a block diagram of a computer system 700 suitable for use in implementing the electronic devices of embodiments of the present disclosure. The computer system 700 of the electronic device shown in fig. 7 is only an example, and should not bring any limitations to the function and scope of use of the embodiments of the present disclosure.

As shown in fig. 7, the computer system 700 includes a Central Processing Unit (CPU)701, which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM 703, various programs and data necessary for system operation are also stored. The CPU 701, the ROM 702, and the RAM 703 are connected to each other via a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.

The following components are connected to the I/O interface 705: an input portion 706 including a keyboard, a mouse, and the like; an output section 707 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 708 including a hard disk and the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. A drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read out therefrom is mounted into the storage section 708 as necessary.

In particular, the processes described above with reference to the flow diagrams may be implemented as computer software programs, according to embodiments of the present disclosure. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer-readable medium, the computer program comprising program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 709, and/or installed from the removable medium 711. The computer program executes the above-described functions defined in the system of the present application when executed by the Central Processing Unit (CPU) 701.

It should be noted that the computer readable media shown in the present disclosure may be computer readable signal media or computer readable storage media or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In contrast, in the present disclosure, a computer-readable signal medium may include a propagated data signal with computer-readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The units described in the embodiments of the present disclosure may be implemented by software or hardware, and the described units may also be disposed in a processor. Wherein the names of the elements do not in some way constitute a limitation on the elements themselves.

As another aspect, the present application also provides a computer-readable medium, which may be contained in the electronic device described in the above embodiments; or may exist separately without being assembled into the electronic device. The computer readable medium carries one or more programs which, when executed by the electronic device, cause the electronic device to implement the payment processing method as described in the above embodiments.

For example, the electronic device may implement the following as shown in fig. 1: step S110, acquiring a verification result shared by a verification platform and aiming at the payment request according to the received payment request; step S120, determining whether the payment request passes the verification according to the verification result of the payment request; step S130, if it is determined that the payment request check passes, performing payment processing according to the payment request.

As another example, the electronic device may implement the steps shown in fig. 2 to 4.

It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the present disclosure. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.

Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiments of the present disclosure may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which may be a personal computer, a server, a touch terminal, or a network device, etc.) to execute the method according to the embodiments of the present disclosure.

Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This application is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.

It will be understood that the present disclosure is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. A payment processing method is applied to a payment platform and comprises the following steps:

directly acquiring a verification result shared by a verification result sharing platform and aiming at the payment request according to the received payment request; the verification result is written into the verification result sharing platform by the verification platform and is directly shared to each payment platform based on the verification result sharing platform;

determining whether the payment request passes the verification according to the verification result of the payment request;

and if the payment request passes the verification, executing payment processing according to the payment request.

2. The payment processing method of claim 1, wherein obtaining the verification result shared by the verification result sharing platform for the payment request comprises:

acquiring the verification result from a storage space shared by the verification result sharing platform; or

Receiving the verification result sent by the verification result sharing platform; or

And acquiring the verification result issued by the verification result sharing platform from a block chain network.

3. The payment processing method of claim 1, wherein determining whether the payment request is verified based on the verification result of the payment request comprises:

according to each verification mode corresponding to the payment request, obtaining the verification result of each verification mode from the verification result of the payment request;

if the target verification mode which does not obtain the verification result and/or the verification result is failed exists, verifying the target verification mode again;

and after the target verification mode is verified, determining that the payment request is verified.

4. The payment processing method of claim 3, wherein determining whether the payment request is verified based on a verification result of the payment request further comprises:

and if the verification results of all the verification modes are passed, determining that the payment request passes the verification.

5. A payment processing method is applied to a verification platform and comprises the following steps:

verifying the obtained payment request to obtain a verification result of the payment request;

and writing the verification result into a verification result sharing platform so as to directly share the verification result with each payment platform based on the verification result sharing platform.

6. The payment processing method of claim 5, wherein sharing the verification result with each payment platform based on the verification result sharing platform comprises:

storing the verification result of the payment request into the storage space of each payment platform so as to share the verification result with each payment platform; or

Sending the verification result of the payment request to each payment platform; or

And issuing the verification result of the payment request to a blockchain network so as to share the verification result with each payment platform through the blockchain network.

7. The payment processing method according to any one of claims 5 to 6, wherein writing the verification result into a verification result sharing platform to share the verification result with each payment platform based on the verification result sharing platform comprises:

and writing the verification result into the verification result sharing platform in an asynchronous processing mode so as to share the verification result with each payment platform based on the verification result sharing platform.

8. A payment processing apparatus applied to a payment platform comprises:

the acquisition unit is used for directly acquiring a verification result shared by a verification result sharing platform and aiming at the payment request according to the received payment request; the verification result is written into the verification result sharing platform by the verification platform and is directly shared to each payment platform based on the verification result sharing platform;

the determining unit is used for determining whether the payment request passes the verification according to the verification result of the payment request;

and the processing unit is used for executing payment processing according to the payment request after the payment request is confirmed to pass the verification.

9. A payment processing apparatus, applied to a verification platform, includes:

the verification unit is used for verifying the obtained payment request to obtain a verification result of the payment request;

and the sharing unit is used for writing the verification result into a verification result sharing platform so as to directly share the verification result with each payment platform based on the verification result sharing platform.

10. A computer-readable medium, on which a computer program is stored, which program, when being executed by a processor, carries out a payment processing method according to any one of claims 1 to 4, and/or carries out a payment processing method according to any one of claims 5 to 7.

11. An electronic device, comprising:

one or more processors;

storage means for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to carry out a payment processing method as claimed in any one of claims 1 to 4, and/or to carry out a payment processing method as claimed in any one of claims 5 to 7.