CN111709753A

CN111709753A - Online payment method and device

Info

Publication number: CN111709753A
Application number: CN202010527824.XA
Authority: CN
Inventors: 麦倩; 冯伟伦; 任鹏; 吴尚艳
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2020-06-11
Filing date: 2020-06-11
Publication date: 2020-09-25
Anticipated expiration: 2040-06-11
Also published as: CN111709753B

Abstract

The invention provides an online payment method and device, wherein the method comprises the following steps: receiving a payment instruction sent by a transaction platform and extracting payment elements from the payment instruction; verifying the product conditions configured in a preset template library based on the payment elements; verifying and determining a payment page corresponding to the payment element so that a customer can input payment information on the payment page; and determining a clearing path for transaction accounting according to the payment information and paying according to the clearing path. The invention can improve the rapidness and diversity of payment, meet the individual requirements of different users and greatly improve the experience effect of the users.

Description

Online payment method and device

Technical Field

The invention relates to the field of online payment, in particular to an online payment method and device.

Background

With the rapid growth of online settlement business, the online financial payment settlement requirements of enterprises such as large commercial and trade businesses, bid and tender, judicial auction, enterprise payment and cross-border trade are increasingly online and diversified. The demand of various transaction platforms on the aspects of payment tools, payment modes, payment currency and the like is not required, some cross-border trade e-commerce platforms have the payment demands of the whole currency inside and outside the country, some bulk trade platforms have the demands of different payment modes such as reservation, direct payment and the like according to the commodity types, and some e-commerce platforms have the demands of various payment tools such as account funds, bills, financing and the like.

Most of the existing payment platforms are single in function, and in the face of new requirements of a transaction platform, requirements, design and a system are generally required to be involved in transformation in a comprehensive full flow, the docking requirements of the transaction platform cannot be met quickly, how to provide a payment platform which is rich in function, and can quickly meet diversified and convenient differentiated payment and settlement requirements of customers of different platforms is achieved, and the problem that the payment means is single in online transformation of enterprises is urgently solved.

Disclosure of Invention

Aiming at the problems in the prior art, the invention provides an on-line payment method and device, which can improve the rapidity and diversity of payment.

In order to solve the technical problems, the invention provides the following technical scheme:

in a first aspect, the present invention provides an online payment method, including:

receiving a payment instruction sent by a transaction platform and extracting payment elements from the payment instruction;

verifying the product conditions configured in a preset template library based on the payment elements;

verifying and determining a payment page corresponding to the payment element so that a customer can input payment information on the payment page;

and determining a clearing path for transaction accounting according to the payment information and paying according to the clearing path.

Further, before the receiving of the payment instruction sent by the transaction platform, the method further includes:

determining various combination configurations of product conditions, and pre-storing payment station pages corresponding to the various combination configurations in a preset template library.

Wherein, the verifying the product condition configured in the preset template library based on the payment element comprises:

and determining whether the payment element has a corresponding product condition in a preset template library, and if so, checking to pass.

Wherein the verifying determines the payment page corresponding to the payment element by the verification, including:

determining a product condition corresponding to the payment element and a combination configuration of the product condition;

and determining a payment page corresponding to the combined configuration of the product conditions according to the combined configuration of the product conditions.

Wherein the payment elements include: at least one of a payment instrument, a payment method, a payment channel, a payment clearing, a payer account category, a receiver account category, a payment currency, a pricing method, a payment service, and a payment authentication medium.

In a second aspect, the present invention provides an online payment device, including:

the receiving and extracting unit is used for receiving a payment instruction sent by a transaction platform and extracting payment elements from the payment instruction;

the checking unit is used for checking the product conditions configured in the preset template library based on the payment elements;

the payment unit is used for verifying a payment page corresponding to the determined payment element so as to enable a customer to input payment information on the payment page;

and the accounting unit is used for determining a clearing path for transaction accounting according to the payment information and paying according to the clearing path.

Further, the method also comprises the following steps:

and the pre-storing unit is used for determining various combination configurations of the product conditions, and pre-storing payment station pages corresponding to the various combination configurations in a preset template library.

Wherein, the check unit includes:

and the verifying subunit is used for determining whether the corresponding product condition exists in the payment element in a preset template library, and if the corresponding product condition exists, the verification is passed.

Wherein the payment unit includes:

the first configuration unit is used for determining the product condition corresponding to the payment element and the combination configuration of the product condition;

and the second configuration unit is used for determining the payment page corresponding to the combined configuration of the product conditions according to the combined configuration of the product conditions.

In a third aspect, the present invention provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the online payment method when executing the program.

In a fourth aspect, the invention provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, carries out the steps of the online payment method.

According to the technical scheme, the invention provides the on-line payment method and the device, which are characterized in that a payment instruction sent by a transaction platform is received, and payment elements are extracted from the payment instruction; verifying the product conditions configured in a preset template library based on the payment elements; verifying and determining a payment page corresponding to the payment element so that a customer can input payment information on the payment page; and determining a clearing path for transaction accounting according to the payment information and paying according to the clearing path, so that the rapidness and diversity of payment can be improved, the individual requirements of different users are met, and the experience effect of the users is greatly improved.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.

Fig. 1 is a first flowchart of an online payment method according to an embodiment of the present invention.

Fig. 2 is a second flow chart of the online payment method according to the embodiment of the invention.

Fig. 3 is a schematic connection diagram of an intelligent payment station applying an online payment method in the embodiment of the present invention.

Fig. 4 is a first structural diagram of an online payment device in an embodiment of the invention.

Fig. 5 is a second structural diagram of the online payment device in the embodiment of the invention.

Fig. 6 is a schematic structural diagram of an electronic device in an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The invention provides an embodiment of an online payment method, which specifically comprises the following contents in reference to fig. 1:

s101: receiving a payment instruction sent by a transaction platform and extracting payment elements from the payment instruction;

in the step, the bank receives the payment instruction sent by the transaction platform, extracts the payment element from the payment instruction, and can determine the corresponding prestored component of the transaction platform according to the payment element, so that various scene requirements can be quickly met through a componentized flexible configuration mode, and the research and development period and the labor cost are reduced.

In this embodiment, the payment elements include: at least one of a payment instrument, a payment method, a payment channel, a payment clearing, a payer account category, a receiver account category, a payment currency, a pricing method, a payment service, and a payment authentication medium. Wherein the payment elements are seen in table 1.

Table 1 Payment elements table

And (4) transversely abstracting 11 product conditions according to the payment elements, and longitudinally configuring the payment function according to the function specifically supported by each product condition. The transverse direction and the longitudinal direction can be expanded. For example: to access personal aggregated payment, the personal payment can be newly added under the condition of a payer account type product; the various statement of account requirements of the transaction platform can be added with statement of account product conditions horizontally, and then the detailed realization function of statement of account is added vertically under the statement of account product conditions.

In the step, the payment requirements of various scenes can be met through a componentized flexible configuration mode.

S102: verifying the product conditions configured in a preset template library based on the payment elements;

in this step, the preset template library verifies the input payment element and the configured product condition in the preset template library, checks whether the payment element has a corresponding product condition, and if yes, the verification is passed. If not, the check fails.

And after the verification is passed, the preset template library extracts a payment entry page from the preset template library according to the payment elements sent by the transaction platform.

S103: verifying and determining a payment page corresponding to the payment element so that a customer can input payment information on the payment page;

in this step, determining the product condition corresponding to the payment element in the preset template library of step S102, determining the product condition corresponding to the payment element, and performing combined configuration according to the determined product condition; determining a payment page corresponding to the combined configuration of the product conditions according to the combined configuration of the product conditions; and sending the payment page to the payment client, wherein the payment client selects a payment mode suitable for the payment client on the payment page, such as selecting a payment bank, a payment account and a payment tool, and further needs to fill out relevant information of the out-tube declaration on the domestic and foreign currencies and the overseas payment platforms. After the payment client inputs the payment information, the payment is confirmed by jumping to a confirmation payment page.

S104: and determining a clearing path for transaction accounting according to the payment information and paying according to the clearing path.

In the step, the preset template library determines a clearing path for clearing funds according to payment information input by a payment client on a payment page, the type of an account of a payment/receipt, the account type of a payment/receipt party and a payment clearing mode, and collects handling fees to a charging object according to a pricing mode.

As can be seen from the above description, in the online payment method provided in the embodiment of the present invention, a payment instruction sent by a transaction platform is received, and a payment element is extracted from the payment instruction; verifying the product conditions configured in a preset template library based on the payment elements; verifying and determining a payment page corresponding to the payment element so that a customer can input payment information on the payment page; and determining a clearing path for transaction accounting according to the payment information and paying according to the clearing path, so that the rapidness and diversity of payment can be improved, the individual requirements of different users are met, and the experience effect of the users is greatly improved.

Based on the above embodiment, referring to fig. 2, before step S101, the method further includes:

s100: determining various combination configurations of product conditions, and pre-storing payment station pages corresponding to the various combination configurations in a preset template library.

In the embodiment, the payment platform pages with rich functions formed by flexibly combining payment functions are added into the template library to form the preset template library under the existing product condition. In the online new function, the payment element information corresponding to the new function is only required to be sent in the payment instruction submitted to the bank, and the payment platform page and the clearing path can be obtained.

For example, the existing payment station only supports cash and bill combined payment of direct payment, if a bank needs to keep the cash and bill combined payment of online payment, the bank only needs to combine and configure the reservation of bills, cash and payment modes of a payment tool and add the payment mode into a domestic RMB payment station, a transaction instruction submitted by a transaction platform states the use of the reserved payment and supports the cash and the bill, the bank displays a payment station page for the reserved payment to a client after receiving the instruction, and the payment station page supports the client to select the cash and bill combined payment.

It should be noted that the preset template library has different payment entry pages pre-stored in the preset template library according to various combinations of product conditions, for example:

(1) based payment pages such as an overseas payment platform, an domestic all-currency payment platform, a domestic RMB payment platform and the like are established according to whether the transaction currency is RMB or all-currency and whether the account type of the receiver is domestic or overseas.

(2) Other banks only support direct payment, local non-local banks are supported according to the account type of the payer, the payment mode is direct payment, local multi-bank payment platforms are added on the local RMB payment platforms, and the payment page supports and displays other bank lists.

(3) And determining whether a payment mode for displaying the convenient payment is added on the domestic RMB payment platform page according to whether the payment authentication medium supports the convenient payment.

(4) And displaying the mobile terminal payment station or the PC terminal payment station according to whether the accessed platform is an app, an H5 or a PC terminal and the difference of payment currencies and payment modes supported by different payment channels.

(5) And judging whether to provide a payment platform page or transfer a background to register a command to be paid or directly finish fund clearing by the background according to whether the payment service is synchronous, asynchronous or authentication-free. For example: some payment orders under the same platform need authentication of a client by using authentication media such as a U shield, some payment orders do not need payment authentication of the client, and some payment orders need asynchronous transaction, purchase submission orders and financial login of an enterprise online banking system to authorize payment.

(6) According to different payment modes and payment tools, a direct payment page, a reserved payment page, a guarantee payment page and the like are added on the basis of domestic RMB payment stations. Meanwhile, according to different payment tools supported by different payment methods, a plurality of combined payment methods are provided for the customer to select. For example, the direct payment supports combined payment of multiple payment tools such as cash, bills and financing, and different direct payment pages such as pure cash, cash + bill combined payment, cash + bill + financing combined payment and the like are supported and displayed according to the collection wishes of platform collection merchants.

Referring to fig. 3, the present embodiment provides an intelligent payment platform applying an online payment method, the intelligent payment platform is respectively connected to a public electronic payment system, a public account settlement system, a public loan system, a comprehensive bill management system, a parameter management configuration platform, a corporate client marketing system, a cross-border foreign currency settlement system, and an outer tube submission platform, and the intelligent payment platform is used as a core, and the public electronic payment system, the public account settlement system, the public loan system, the comprehensive bill management system, the parameter management configuration platform, the corporate client marketing system, the cross-border foreign currency settlement system, and the outer tube submission platform are related business systems of the intelligent payment platform. The parameter management configuration platform and the legal customer marketing system are responsible for completing product condition configuration and personalized setting, and the public electronic payment system, the public account settlement system, the public loan system, the bill comprehensive management system, the cross-border foreign currency clearing system and the outer tube submission platform are responsible for completing subsequent payment clearing and outer tube declaration work.

In summary, the online payment method provided by the embodiment of the invention can be configured according to the product condition combination, and flexible configuration is supported to quickly support the future service development requirement. The transaction platform has new service requirements, only the input payment elements need to be customized simply and individually, and the overall system docking research and development period is shortened.

And flexibly configuring and generating a matched payment platform according to the payment requirement of the transaction platform, so that the payment client can confirm the payment on the page of the payment platform. The payment platform supports the flexible expansion of the payment function, rapidly meets various scene requirements through a componentized flexible configuration mode, and reduces the research and development period and the labor cost.

An embodiment of the present invention provides a specific implementation manner of an online payment apparatus capable of implementing all contents in the online payment method, and referring to fig. 4, the specific implementation manner specifically includes the following contents:

the receiving and extracting unit 10 is used for receiving a payment instruction sent by a transaction platform and extracting payment elements from the payment instruction;

the verification unit 20 is configured to verify the product conditions configured in the preset template library based on the payment elements;

the payment unit 30 is used for verifying a payment page corresponding to the determined payment elements so as to enable a customer to input payment information on the payment page;

and the accounting unit 40 is used for determining a clearing path for transaction accounting according to the payment information and paying according to the clearing path.

Wherein, the verification unit 20 includes:

Wherein the payment unit 30 includes:

Based on the above embodiment, referring to fig. 5, the method further includes:

the pre-storing unit 50 is configured to determine various combination configurations of the product conditions, and pre-store payment desk pages corresponding to the various combination configurations in a preset template library.

The embodiment of the online payment apparatus provided by the present invention may be specifically used for executing the processing flow of the embodiment of the online payment method in the above embodiment, and the functions of the embodiment are not described herein again, and reference may be made to the detailed description of the embodiment of the method.

As can be seen from the above description, the online payment apparatus provided in the embodiment of the present invention receives a payment instruction sent by a transaction platform and extracts a payment element from the payment instruction; verifying the product conditions configured in a preset template library based on the payment elements; verifying and determining a payment page corresponding to the payment element so that a customer can input payment information on the payment page; and determining a clearing path for transaction accounting according to the payment information and paying according to the clearing path, so that the rapidness and diversity of payment can be improved, the individual requirements of different users are met, and the experience effect of the users is greatly improved.

The application provides an embodiment of an electronic device for implementing all or part of contents in the online payment method, where the electronic device specifically includes the following contents:

a processor (processor), a memory (memory), a communication Interface (Communications Interface), and a bus; the processor, the memory and the communication interface complete mutual communication through the bus; the communication interface is used for realizing information transmission between related devices; the electronic device may be a desktop computer, a tablet computer, a mobile terminal, and the like, but the embodiment is not limited thereto. In this embodiment, the electronic device may be implemented with reference to the embodiment for implementing the online payment method and the embodiment for implementing the online payment apparatus in the embodiments, and the contents of the embodiments are incorporated herein, and repeated details are not repeated.

Fig. 6 is a schematic block diagram of a system configuration of an electronic device 9600 according to an embodiment of the present application. As shown in fig. 6, the electronic device 9600 can include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this FIG. 6 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.

In one embodiment, the online payment function may be integrated into central processor 9100. The central processor 9100 may be configured to control as follows: receiving a payment instruction sent by a transaction platform and extracting payment elements from the payment instruction; verifying the product conditions configured in a preset template library based on the payment elements; verifying and determining a payment page corresponding to the payment element so that a customer can input payment information on the payment page; and determining a clearing path for transaction accounting according to the payment information and paying according to the clearing path.

As can be seen from the above description, the electronic device provided in the embodiments of the present application receives a payment instruction sent by a transaction platform and extracts a payment element from the payment instruction; verifying the product conditions configured in a preset template library based on the payment elements; verifying and determining a payment page corresponding to the payment element so that a customer can input payment information on the payment page; and determining a clearing path for transaction accounting according to the payment information and paying according to the clearing path, so that the rapidness and diversity of payment can be improved, the individual requirements of different users are met, and the experience effect of the users is greatly improved.

In another embodiment, the online payment device may be configured separately from the central processor 9100, for example, the online payment device may be configured as a chip connected to the central processor 9100, and the online payment function is realized by the control of the central processor.

As shown in fig. 6, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is noted that the electronic device 9600 also does not necessarily include all of the components shown in fig. 6; further, the electronic device 9600 may further include components not shown in fig. 6, which may be referred to in the art.

As shown in fig. 6, a central processor 9100, sometimes referred to as a controller or operational control, can include a microprocessor or other processor device and/or logic device, which central processor 9100 receives input and controls the operation of the various components of the electronic device 9600.

The memory 9140 can be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 9100 can execute the program stored in the memory 9140 to realize information storage or processing, or the like.

The input unit 9120 provides input to the central processor 9100. The input unit 9120 is, for example, a key or a touch input device. Power supply 9170 is used to provide power to electronic device 9600. The display 9160 is used for displaying display objects such as images and characters. The display may be, for example, an LCD display, but is not limited thereto.

The memory 9140 can be a solid state memory, e.g., Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 9140 could also be some other type of device. Memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application/function storage portion 9142, the application/function storage portion 9142 being used for storing application programs and function programs or for executing a flow of operations of the electronic device 9600 by the central processor 9100.

The memory 9140 can also include a data store 9143, the data store 9143 being used to store data, such as contacts, digital data, pictures, sounds, and/or any other data used by an electronic device. The driver storage portion 9144 of the memory 9140 may include various drivers for the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, contact book applications, etc.).

The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. The communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal.

Based on different communication technologies, a plurality of communication modules 9110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and receive audio input from the microphone 9132, thereby implementing ordinary telecommunications functions. The audio processor 9130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100, thereby enabling recording locally through the microphone 9132 and enabling locally stored sounds to be played through the speaker 9131.

An embodiment of the present invention further provides a computer-readable storage medium capable of implementing all the steps in the online payment method in the above embodiment, where the computer-readable storage medium stores thereon a computer program, and when the computer program is executed by a processor, the computer program implements all the steps in the online payment method in the above embodiment, for example, when the processor executes the computer program, the processor implements the following steps:

receiving a payment instruction sent by a transaction platform and extracting payment elements from the payment instruction; verifying the product conditions configured in a preset template library based on the payment elements; verifying and determining a payment page corresponding to the payment element so that a customer can input payment information on the payment page; and determining a clearing path for transaction accounting according to the payment information and paying according to the clearing path.

As can be seen from the above description, the computer-readable storage medium provided in the embodiment of the present invention receives a payment instruction sent by a transaction platform and extracts a payment element from the payment instruction; verifying the product conditions configured in a preset template library based on the payment elements; verifying and determining a payment page corresponding to the payment element so that a customer can input payment information on the payment page; and determining a clearing path for transaction accounting according to the payment information and paying according to the clearing path, so that the rapidness and diversity of payment can be improved, the individual requirements of different users are met, and the experience effect of the users is greatly improved.

Although the present invention provides method steps as described in the examples or flowcharts, more or fewer steps may be included based on routine or non-inventive labor. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When an actual apparatus or client product executes, it may execute sequentially or in parallel (e.g., in the context of parallel processors or multi-threaded processing) according to the embodiments or methods shown in the figures.

As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, apparatus (system) or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment. In this document, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. The present invention is not limited to any single aspect, nor is it limited to any single embodiment, nor is it limited to any combination and/or permutation of these aspects and/or embodiments. Moreover, each aspect and/or embodiment of the present invention may be utilized alone or in combination with one or more other aspects and/or embodiments thereof.

Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.

Claims

1. An online payment method, comprising:

2. The online payment method of claim 1, further comprising, prior to receiving the payment instruction sent by the transaction platform:

3. The online payment method of claim 1, wherein the verifying the product condition configured in the preset template library based on the payment element comprises:

4. The online payment method of claim 1, wherein the verifying determines the payment page corresponding to the payment element by:

5. The online payment method of claim 1, wherein the payment element comprises: at least one of a payment instrument, a payment method, a payment channel, a payment clearing, a payer account category, a receiver account category, a payment currency, a pricing method, a payment service, and a payment authentication medium.

6. An online payment device, comprising:

7. The online payment device of claim 6, further comprising:

8. The online payment device of claim 6, wherein the verification unit comprises:

9. The online payment device of claim 6, wherein the payment unit comprises:

10. An online payment device according to claim 9, wherein the payment element comprises: at least one of a payment instrument, a payment method, a payment channel, a payment clearing, a payer account category, a receiver account category, a payment currency, a pricing method, a payment service, and a payment authentication medium.

11. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of the online payment method according to any one of claims 1 to 5 are implemented when the processor executes the program.

12. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the online payment method of any one of claims 1 to 5.