CN111582847A - Payment method and system - Google Patents
Payment method and system Download PDFInfo
- Publication number
- CN111582847A CN111582847A CN202010360241.2A CN202010360241A CN111582847A CN 111582847 A CN111582847 A CN 111582847A CN 202010360241 A CN202010360241 A CN 202010360241A CN 111582847 A CN111582847 A CN 111582847A
- Authority
- CN
- China
- Prior art keywords
- payment
- processor
- information
- server
- terminal
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a payment method and a payment system.A terminal sends payment request information to a payment server; the payment server generates transaction data according to the received payment request information, and sends the transaction data to a merchant server through asynchronous notification; the merchant server processes the received transaction data to obtain payment response information, and sends the payment response information to the terminal through the synchronous notification, so that the data repetition risk possibly generated by receiving the synchronous and asynchronous notifications at the same time is eliminated, and the user experience is improved.
Description
Technical Field
The invention relates to the technical field of electronic payment, in particular to a payment method and a payment system.
Background
After the terminal finishes payment, the third-party server side can perform message notification on the merchant server side, and the notification is synchronous and asynchronous.
The synchronous notification means that when the user uses the terminal, after the user accesses the webpage or APP through the browser and completes payment through the network gateway of the third-party service end, the user returns to the accessed webpage or APP interface from the network gateway of the payment platform, and when the user returns, the user is informed that the payment is completed through the additional parameter data, and at the moment, the merchant service end can respond to the payment action of the user and perform data processing of the response.
The asynchronous notification means that after a user finishes a payment action through a terminal, the payment server performs service-to-service notification on the merchant server, the operation is not influenced by the behavior of the terminal, the synchronous notification cannot occur if the terminal does not return to the terminal, and the asynchronous notification basically inevitably occurs. If both synchronous and asynchronous notifications are processed in response, a problem of data duplication may arise if both happen to be triggered at the same point in time.
Disclosure of Invention
Technical problem to be solved
In order to solve the above problems in the prior art, the present invention provides a payment method and system, which can eliminate the risk of data duplication that may be caused by receiving synchronous and asynchronous notifications simultaneously, and improve user experience.
(II) technical scheme
In order to achieve the above object, the present invention adopts a technical solution comprising:
a payment method comprising the steps of:
s1, the terminal sends payment request information to the payment server;
s2, the payment server generates transaction data according to the received payment request information, and sends the transaction data to a merchant server through asynchronous notification;
and S3, the merchant server processes according to the received transaction data to obtain payment response information, and sends the payment response information to the terminal through synchronous notification.
In order to achieve the above object, another technical solution adopted by the present invention includes:
a payment system comprising a terminal, a payment server and a merchant server, the terminal comprising a first memory, a first processor and a first computer program stored on the first memory and executable on the first processor, the payment server comprising a second memory, a second processor and a second computer program stored on the second memory and executable on the second processor, the merchant server comprising a third memory, a third processor and a third computer program stored on the third memory and executable on the third processor, the first processor implementing the following steps when executing the first computer program:
s1, sending payment request information to the payment server;
the second processor, when executing the second computer program, implements the steps of:
s2, generating transaction data according to the received payment request information, and sending the transaction data to the merchant server through asynchronous notification;
the third processor, when executing the third computer program, performs the steps of:
and S3, processing according to the received transaction data to obtain payment response information, and sending the payment response information to the terminal through a synchronous notification.
(III) advantageous effects
The invention has the beneficial effects that: sending payment request information to a payment server through a terminal; the payment server generates transaction data according to the received payment request information, and sends the transaction data to a merchant server through asynchronous notification; the merchant server processes the received transaction data to obtain payment response information, and sends the payment response information to the terminal through the synchronous notification, so that the data repetition risk possibly generated by receiving the synchronous and asynchronous notifications at the same time is eliminated, and the user experience is improved.
Drawings
FIG. 1 is a flow chart of a payment method of an embodiment of the present invention;
fig. 2 is a schematic structural diagram of a payment system according to an embodiment of the present invention.
[ description of reference ]
1: a payment system; 2: a terminal; 3: a payment server; 4: a merchant server; 5: a first memory; 6: a first processor; 7: a second memory; 8: a second processor; 9: a third memory; 10: a third processor.
Detailed Description
For the purpose of better explaining the present invention and to facilitate understanding, the present invention will be described in detail by way of specific embodiments with reference to the accompanying drawings.
Referring to fig. 1, a payment method includes the steps of:
s1, the terminal sends payment request information to the payment server;
s2, the payment server generates transaction data according to the received payment request information, and sends the transaction data to a merchant server through asynchronous notification;
and S3, the merchant server processes according to the received transaction data to obtain payment response information, and sends the payment response information to the terminal through synchronous notification.
The payment request information includes product information and payment information.
The payment response information is transaction state information.
Specifically, when the payment server side processes the asynchronous notification, the processed result is written into the cache, so that the query speed is improved when the asynchronous notification queries data.
The transaction state information is received through the synchronous notification, the logic processing of the data is not carried out, and the synchronous notification is carried out after the asynchronous notification is processed, so that the data repetition risk possibly generated by receiving the synchronous notification and the asynchronous notification at the same time is eliminated, and the user experience is improved.
Further comprising the steps of:
and S4, the terminal receives and displays the payment response information.
Example two
Referring to fig. 2, a payment system 1 includes a terminal 2, a payment server 3 and a merchant server 4, where the terminal 2 includes a first memory 5, a first processor 6 and a first computer program stored on the first memory 5 and executable on the first processor 6, the payment server 3 includes a second memory 7, a second processor 8 and a second computer program stored on the second memory 7 and executable on the second processor 8, the merchant server 4 includes a third memory 9, a third processor 10 and a third computer program stored on the third memory 9 and executable on the third processor 10, and the first processor 6 implements the following steps when executing the first computer program:
s1, sending payment request information to the payment server 3;
the second processor 8, when executing the second computer program, performs the following steps:
s2, generating transaction data according to the received payment request information, and sending the transaction data to the merchant server through asynchronous notification;
the third processor 10, when executing the third computer program, realizes the following steps:
and S3, processing according to the received transaction data to obtain payment response information, and sending the payment response information to the terminal 2 through a synchronous notification.
The payment request information includes product information and payment information.
The payment response information is transaction state information.
Specifically, when the payment server side processes the asynchronous notification, the processed result is written into the cache, so that the query speed is improved when the asynchronous notification queries data.
The transaction state information is received through the synchronous notification, the logic processing of the data is not carried out, and the synchronous notification is carried out after the asynchronous notification is processed, so that the data repetition risk possibly generated by receiving the synchronous notification and the asynchronous notification at the same time is eliminated, and the user experience is improved.
The first processor 6, when executing the first computer program, performs the steps of: further comprising the steps of:
and S4, receiving and displaying the payment response information.
The above description is only an embodiment of the present invention, and not intended to limit the scope of the present invention, and all equivalent changes made by using the contents of the present specification and the drawings, or applied directly or indirectly to the related technical fields, are included in the scope of the present invention.
Claims (8)
1. A payment method, comprising the steps of:
s1, the terminal sends payment request information to the payment server;
s2, the payment server generates transaction data according to the received payment request information, and sends the transaction data to a merchant server through asynchronous notification;
and S3, the merchant server processes according to the received transaction data to obtain payment response information, and sends the payment response information to the terminal through synchronous notification.
2. The payment method of claim 1, wherein the payment request information comprises product information and payment information.
3. A payment method as claimed in claim 1, wherein the payment response information is transaction status information.
4. A payment method as recited in claim 1, further comprising the steps of:
and S4, the terminal receives and displays the payment response information.
5. A payment system comprising a terminal, a payment server and a merchant server, wherein the terminal comprises a first memory, a first processor and a first computer program stored on the first memory and executable on the first processor, the payment server comprises a second memory, a second processor and a second computer program stored on the second memory and executable on the second processor, the merchant server comprises a third memory, a third processor and a third computer program stored on the third memory and executable on the third processor, and the first processor implements the following steps when executing the first computer program:
s1, sending payment request information to the payment server;
the second processor, when executing the second computer program, implements the steps of:
s2, generating transaction data according to the received payment request information, and sending the transaction data to the merchant server through asynchronous notification;
the third processor, when executing the third computer program, performs the steps of:
and S3, processing according to the received transaction data to obtain payment response information, and sending the payment response information to the terminal through a synchronous notification.
6. The payment system of claim 5, wherein the payment request information comprises product information and payment information.
7. The payment system of claim 5, wherein the payment response information is transaction status information.
8. Payment system according to claim 5, wherein the first processor, when executing the first computer program, performs the steps of: further comprising the steps of:
and S4, receiving and displaying the payment response information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010360241.2A CN111582847A (en) | 2020-04-30 | 2020-04-30 | Payment method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010360241.2A CN111582847A (en) | 2020-04-30 | 2020-04-30 | Payment method and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN111582847A true CN111582847A (en) | 2020-08-25 |
Family
ID=72111967
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202010360241.2A Pending CN111582847A (en) | 2020-04-30 | 2020-04-30 | Payment method and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN111582847A (en) |
Citations (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20010025471A (en) * | 2000-12-29 | 2001-04-06 | 김현준 | Method for settling web-coin over the internet in user-holding manner |
| CA3096307A1 (en) * | 2012-06-27 | 2013-12-27 | Moneris Solutions Corporation | Secure payment system |
| CN103914770A (en) * | 2013-01-04 | 2014-07-09 | 深圳市华营数字商业有限公司 | Handset payment terminal, payment method and system based on NFC label |
| US20140214656A1 (en) * | 2011-09-30 | 2014-07-31 | Cardlink Services Limited | Payment requests |
| CN105190662A (en) * | 2013-03-13 | 2015-12-23 | 哈瑞克思信息科技公司 | Mobile payment processing system and method therefor |
| CN105408925A (en) * | 2013-06-20 | 2016-03-16 | 微软技术许可有限责任公司 | Extensible interface for synchronous and asynchronous payment |
| CN106233324A (en) * | 2014-02-24 | 2016-12-14 | 万事达卡国际股份有限公司 | For asynchronous transaction being converted to the method and system of isochronous transaction |
| CN106779720A (en) * | 2016-12-15 | 2017-05-31 | 北京奇虎科技有限公司 | On-line payment control method and its device |
| CN109118184A (en) * | 2018-08-09 | 2019-01-01 | 杭州鑫合汇互联网金融服务有限公司 | A kind of payment system and its method of payment |
| EP3591599A1 (en) * | 2018-07-04 | 2020-01-08 | Momentum Booking SRL | Method for effecting a payment transaction to an actual store from any location |
-
2020
- 2020-04-30 CN CN202010360241.2A patent/CN111582847A/en active Pending
Patent Citations (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20010025471A (en) * | 2000-12-29 | 2001-04-06 | 김현준 | Method for settling web-coin over the internet in user-holding manner |
| US20140214656A1 (en) * | 2011-09-30 | 2014-07-31 | Cardlink Services Limited | Payment requests |
| CA3096307A1 (en) * | 2012-06-27 | 2013-12-27 | Moneris Solutions Corporation | Secure payment system |
| CN103914770A (en) * | 2013-01-04 | 2014-07-09 | 深圳市华营数字商业有限公司 | Handset payment terminal, payment method and system based on NFC label |
| CN105190662A (en) * | 2013-03-13 | 2015-12-23 | 哈瑞克思信息科技公司 | Mobile payment processing system and method therefor |
| CN105408925A (en) * | 2013-06-20 | 2016-03-16 | 微软技术许可有限责任公司 | Extensible interface for synchronous and asynchronous payment |
| CN106233324A (en) * | 2014-02-24 | 2016-12-14 | 万事达卡国际股份有限公司 | For asynchronous transaction being converted to the method and system of isochronous transaction |
| CN106779720A (en) * | 2016-12-15 | 2017-05-31 | 北京奇虎科技有限公司 | On-line payment control method and its device |
| EP3591599A1 (en) * | 2018-07-04 | 2020-01-08 | Momentum Booking SRL | Method for effecting a payment transaction to an actual store from any location |
| CN109118184A (en) * | 2018-08-09 | 2019-01-01 | 杭州鑫合汇互联网金融服务有限公司 | A kind of payment system and its method of payment |
Non-Patent Citations (2)
| Title |
|---|
| LOVEM 生活美好: "支付宝支付之 APP 支付接口服务器端", Retrieved from the Internet <URL:https://blog.csdn.net/gjm15652957971/article/details/78774737Pspmz1001.2014.3001.5501> * |
| LOVEM生活美好: "支付宝支付之APP支付接口 服务器端" * |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| TWI742324B (en) | Information processing method, device and equipment based on scanning DOI | |
| CN110806905B (en) | User page processing method and device, electronic equipment and storage medium | |
| CN111225010A (en) | Data processing method, data processing system and device | |
| CN105512254A (en) | Terminal, webpage information preloading method and system | |
| CN111897662A (en) | Offset processing method and device, electronic equipment and computer readable storage medium | |
| US8015262B2 (en) | Stateless core service transaction patterns | |
| CN110727523B (en) | Service request processing method, service request processing device and readable storage medium | |
| CN110730428B (en) | Short message click data acquisition method and device, electronic equipment and storage medium | |
| CN111294288A (en) | Traffic identification method and device, application program interface gateway and storage medium | |
| US11562344B2 (en) | Data processing method based on NFC label, system and server thereof | |
| CN113536168B (en) | Component processing method and device | |
| CN114490126A (en) | Page processing method and device, electronic equipment and storage medium | |
| CN113051510B (en) | Interactive processing method, device, front-end equipment, back-end equipment and storage medium | |
| CN111582847A (en) | Payment method and system | |
| CN114138397B (en) | Page display method and device, electronic equipment and storage medium | |
| CN106506672B (en) | The non-assembly access method of browser intelligent key disk | |
| CN115168767A (en) | Voucher uploading method, device, system, equipment and storage medium | |
| CN114461950A (en) | Global caching method and device, electronic equipment and storage medium | |
| CN114168876A (en) | Page display method and device, computer equipment and computer readable storage medium | |
| CN111506644B (en) | Application data processing method and device and electronic equipment | |
| CN113486018A (en) | Production data storage method, storage device, electronic device and storage medium | |
| CN113452738A (en) | Page loading method and client | |
| US20190325073A1 (en) | Systems and Methods for Providing Content Items in Situations Involving Suboptimal Network Conditions | |
| CN111786934A (en) | Method and device for detecting normal user of client | |
| CN110505258A (en) | Webpage load and response method, device, computer equipment and storage medium |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |