CN111222863A - Payment method and payment system - Google Patents
Payment method and payment system Download PDFInfo
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- CN111222863A CN111222863A CN201911422297.XA CN201911422297A CN111222863A CN 111222863 A CN111222863 A CN 111222863A CN 201911422297 A CN201911422297 A CN 201911422297A CN 111222863 A CN111222863 A CN 111222863A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/90—Details of database functions independent of the retrieved data types
- G06F16/95—Retrieval from the web
- G06F16/953—Querying, e.g. by the use of web search engines
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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Abstract
The application discloses a payment method and a payment system, wherein the method comprises the following steps: initiating order payment at a user side; under the condition that the user side displays that the payment is successful but the merchant system does not obtain the user payment result from the payment company, the merchant system obtains the user payment result from the Unionpay system through the bypass system; the user payment results are provided to the merchant system through the bypass system. The method and the device at least aim at solving the problem caused by the asymmetric payment results of the user and the merchant, thereby providing good payment experience and environment for the user.
Description
Technical Field
The application relates to the technical field of internet payment, in particular to a payment method and a payment system.
Background
At present, China mobile payment is increasingly large in scale, the China mobile payment transaction scale in the first half of 2019 reaches 166.1 trillion yuan, and the China mobile payment transaction scale is increased by 24.2% compared with the China mobile payment transaction scale in the first half of 2018. Meanwhile, mobile payment users exceed 7 hundred million, and the proportion and coverage rate of off-line payment are higher and higher. In the face of such a scale, in case that the normal transaction link is abnormal, the situation that the transaction end state cannot be provided for the merchant is easily caused, and dispute between the merchant and the consumer is easily caused, and the transaction number is greatly influenced. In order to ensure the benefits of both parties to the transaction, an appropriate dispute resolution procedure or relief is required.
Disclosure of Invention
Aiming at the problems in the related art, the application provides a payment method and a payment system, which can at least solve the problem caused by the asymmetric payment results of the user and the merchant, thereby providing good payment experience and environment for the user.
The technical scheme of the application is realized as follows:
according to an aspect of the present application, there is provided a payment method including:
initiating order payment at a user side;
under the condition that the user side displays that the payment is successful but the merchant system does not obtain the user payment result from the payment company, the merchant system obtains the user payment result from the Unionpay system through the bypass system;
the user payment results are provided to the merchant system through the bypass system.
According to the embodiment of the invention, the step of acquiring the user payment result from the unionpay system by the merchant system through the bypass system comprises the following steps: and if the payment company can at least provide the relevant information sent to the unionpay system when the order is paid, the bypass system inquires the user payment result from the unionpay system according to the relevant information.
According to the embodiment of the invention, the step of acquiring the user payment result from the unionpay system by the merchant system through the bypass system comprises the following steps: and if the payment company can not provide at least relevant information sent to the Unionpay system when the order payment is not provided, the bypass system acquires a payment certificate from the client and inquires a user payment result from the Unionpay system according to the payment certificate.
According to an aspect of the present application, there is also provided a payment system, including:
and the bypass system is in communication connection with the user side and the merchant system, and is used for acquiring the user payment result from the Unionpay system and sending the user payment result to the merchant system under the condition that the user side initiates order payment and the user side displays that the payment is successful but the merchant system does not obtain the user payment result from the payment company.
According to the embodiment of the invention, if the payment company can at least provide the relevant information sent to the unionpay system when the order is paid, the bypass system is used for inquiring the payment result of the user from the unionpay system according to the relevant information.
According to the embodiment of the invention, if the payment company can not provide the related information sent to the unionpay system at least when the order payment is provided, the bypass system is used for acquiring the payment certificate from the client and inquiring the user payment result from the unionpay system according to the payment certificate.
The beneficial technical effect of this application lies in:
by means of the bypass system, merchants can solve the problems caused by the asymmetry of the payment results of both parties between the merchants and the users. The invention solves the tension possibly occurring between the user and the merchant, the merchant and the payment service company. The invention is a good complement for the whole offline payment environment, makes up the problem that sudden faults cannot be eliminated in a short time, and improves the payment experience.
Drawings
In order to more clearly illustrate the embodiments of the present application, the drawings needed for the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and that other drawings can be obtained by those skilled in the art without inventive effort.
FIG. 1 is a flow chart of a payment method according to an embodiment of the application;
FIG. 2A is a schematic diagram of a payment system according to one embodiment of the present application;
fig. 2B is a schematic diagram of a payment system according to another embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by a person having ordinary skill in the art, including a face payment scenario, belong to the scope of protection of the present application.
According to an embodiment of the present application, a payment method is provided. With reference to fig. 1, 2A and 2B, the payment method of the present invention includes the following steps:
s11, initiating order payment at the user end;
and S12, under the condition that the user terminal displays that the payment is successful but the merchant system does not obtain the user payment result from the payment company, the merchant system acquires the user payment result to the Unionpay system through a bypass system (DST). When the merchant does not obtain the payment result notice due to the reasons of the payment system failure and the like after the user pays, the user mobile phone end displays that the payment is successful. In the face of such a situation, the user payment result can be acquired through the bypass system.
S13, providing the user payment result to the merchant system through the bypass system.
The bypass system is a mode which can enable the transaction not to be affected and part of functions to be available when a certain node is failed and can not be eliminated in a short time in a normal transaction link, and the whole external can continue to operate. On the research market, almost no solution similar to the bypass system function exists in the online payment scene. In some instances many merchants are interested in the bypass system and are somewhat desideratum. In various technical seminars of digital transformation in recent 2 years, it is often mentioned that enterprise business model innovation and business ecosystem reconstruction are driven by digital transformation. In a digital service link, how to compensate for the abnormality of various unpredictable factors is also an important link for improving user experience and improving the reliability of digital services.
According to the technical scheme, under the condition that the user side displays that the payment is successful but the merchant system does not obtain the user payment result from the payment company, the user payment result is provided for the merchant system through the bypass system, so that the problem caused by the fact that the payment results of the user and the merchant are asymmetric can be solved, and good payment experience and environment are provided for the user.
As shown in fig. 2A, if the payment company 22 is at least able to provide the relevant information sent to the unionpay system when the order payment is made, the bypass system 32 queries the unionpay system for the user payment results based on the relevant information. Specifically, when the payment system 333 fails, but the data storage 221 and the payment system 222 of the payment company 22 are partially available, the merchant system 24 may provide the self-initiated order number, the bypass system 21 may obtain the payment information of the user terminal 23 through an asynchronous data cache by using the order rule engine and the data storage technology, for example, obtain the payment information of the order from the WeChat and the Payment treasure in the user terminal 23, and then the bypass system directly initiates a query for the payment result to the UnionPay system (duplex) by using the obtained payment information, so as to obtain the payment result by bypassing the query of the payment system 222.
As shown in fig. 2B, the payment system 222 fails, the communication connection between the payment system 222 and the merchant system 24 is disconnected, and if the payment company 22 cannot provide order payment, the related information sent to the unionpay system, for example, when the payment company 22 service data store 221 and the payment system 222 are completely unavailable, the bypass system 21 may initiate a query for payment results through the payment credentials in the user terminal 23 to the unionpay system.
In summary, compared with the conventional payment system, when an unpredictable failure occurs, the technical scheme of the present invention cannot continuously process the transaction affected by the failure time period, and does not have the capability of coping with the scene. The invention can independently provide compensation service for the affected transaction outside the transaction processing system by utilizing the bypass system and without depending on the transaction system. The bypass system can enable the merchant, solve the problem that the merchant and the user can not agree with the payment result in the payment, and can quickly determine the transaction state and determine the follow-up compensation measures.
According to an embodiment of the present invention, there is also provided a payment system, including a bypass system, where the bypass system is communicatively connected to the user terminal and the merchant system, and the bypass system is configured to obtain a user payment result from the unionpay system and send the user payment result to the merchant system when the user terminal initiates order payment and the user terminal displays that the payment is successful but the merchant system does not obtain the user payment result from the payment company.
According to the embodiment of the invention, if the payment company can at least provide the relevant information sent to the unionpay system when the order is paid, the bypass system is used for inquiring the payment result of the user from the unionpay system according to the relevant information.
According to the embodiment of the invention, if the payment company can not provide the related information sent to the unionpay system at least when the order payment is provided, the bypass system is used for acquiring the payment certificate from the client and inquiring the user payment result from the unionpay system according to the payment certificate.
The above description is only a preferred embodiment of the present application and is not intended to limit the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.
Claims (6)
1. A payment method, comprising:
initiating order payment at a user side;
under the condition that the user side displays that the payment is successful but the merchant system does not obtain the user payment result from the payment company, the merchant system obtains the user payment result from the Unionpay system through the bypass system;
providing the user payment result to the merchant system through the bypass system.
2. A payment method as recited in claim 1, wherein the merchant system obtaining the user payment results to a unionpay system via a bypass system comprises:
and if the payment company can at least provide the relevant information sent to the Unionpay system when the order is paid, the bypass system inquires the user payment result from the Unionpay system according to the relevant information.
3. A payment method as recited in claim 1, wherein the merchant system obtaining the user payment results to a unionpay system via a bypass system comprises:
and if the payment company can not provide the related information sent to the Unionpay system when the order payment is at least provided, the bypass system acquires a payment certificate from the client and inquires the user payment result from the Unionpay system according to the payment certificate.
4. A payment system, comprising:
and the bypass system is in communication connection with the user terminal and the merchant system, and is used for acquiring the user payment result from the Unionpay system and sending the user payment result to the merchant system under the condition that the user terminal initiates order payment and the user terminal displays that the payment is successful but the merchant system does not obtain the user payment result from the payment company.
5. A payment system as recited in claim 1, wherein the bypass system is configured to query the unionpay system for the user payment results based on the relevant information if the payment company is at least able to provide the relevant information to the unionpay system when the order payment is made available to the payment company.
6. A payment system as recited in claim 1, wherein the bypass system is configured to obtain payment credentials to the client and query the unionpay system for the user payment results based on the payment credentials if the payment company is at least unable to provide the information regarding the order payment sent to the unionpay system.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911422297.XA CN111222863A (en) | 2019-12-30 | 2019-12-30 | Payment method and payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911422297.XA CN111222863A (en) | 2019-12-30 | 2019-12-30 | Payment method and payment system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN111222863A true CN111222863A (en) | 2020-06-02 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201911422297.XA Pending CN111222863A (en) | 2019-12-30 | 2019-12-30 | Payment method and payment system |
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| Country | Link |
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| CN (1) | CN111222863A (en) |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105471948A (en) * | 2014-09-05 | 2016-04-06 | 阿里巴巴集团控股有限公司 | Method and device for synchronizing service data between systems |
| CN106886892A (en) * | 2016-11-18 | 2017-06-23 | 阿里巴巴集团控股有限公司 | Communication means and device based on bar code, the implementation method for paying and device |
| CN108280640A (en) * | 2018-01-11 | 2018-07-13 | 口碑(上海)信息技术有限公司 | The payment result page shows method and device |
| CN109447620A (en) * | 2018-11-01 | 2019-03-08 | 成都慧联天下信息技术有限公司 | A kind of method and system for building highly reliable mobile cash register system |
-
2019
- 2019-12-30 CN CN201911422297.XA patent/CN111222863A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105471948A (en) * | 2014-09-05 | 2016-04-06 | 阿里巴巴集团控股有限公司 | Method and device for synchronizing service data between systems |
| CN106886892A (en) * | 2016-11-18 | 2017-06-23 | 阿里巴巴集团控股有限公司 | Communication means and device based on bar code, the implementation method for paying and device |
| CN108280640A (en) * | 2018-01-11 | 2018-07-13 | 口碑(上海)信息技术有限公司 | The payment result page shows method and device |
| CN109447620A (en) * | 2018-11-01 | 2019-03-08 | 成都慧联天下信息技术有限公司 | A kind of method and system for building highly reliable mobile cash register system |
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Application publication date: 20200602 |
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