CN111985919B - Payment data processing method and device and electronic equipment - Google Patents
Payment data processing method and device and electronic equipment Download PDFInfo
- Publication number
- CN111985919B CN111985919B CN202010778986.0A CN202010778986A CN111985919B CN 111985919 B CN111985919 B CN 111985919B CN 202010778986 A CN202010778986 A CN 202010778986A CN 111985919 B CN111985919 B CN 111985919B
- Authority
- CN
- China
- Prior art keywords
- payment
- equity
- equivalent
- issuer
- user account
- 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.)
- Active
Links
- 238000003672 processing method Methods 0.000 title claims description 14
- 230000007246 mechanism Effects 0.000 claims abstract description 93
- 238000000034 method Methods 0.000 claims abstract description 39
- 238000012545 processing Methods 0.000 claims abstract description 16
- 230000008901 benefit Effects 0.000 claims description 25
- 238000004590 computer program Methods 0.000 claims description 17
- 239000000284 extract Substances 0.000 claims description 2
- 238000004891 communication Methods 0.000 description 14
- 238000010586 diagram Methods 0.000 description 12
- 230000006870 function Effects 0.000 description 9
- 230000006872 improvement Effects 0.000 description 8
- 230000008569 process Effects 0.000 description 7
- 230000000694 effects Effects 0.000 description 5
- 238000005516 engineering process Methods 0.000 description 5
- 238000004378 air conditioning Methods 0.000 description 2
- 230000005540 biological transmission Effects 0.000 description 2
- 238000004519 manufacturing process Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000003287 optical effect Effects 0.000 description 2
- 230000003068 static effect Effects 0.000 description 2
- 238000004458 analytical method Methods 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000001413 cellular effect Effects 0.000 description 1
- 230000008859 change Effects 0.000 description 1
- 238000013461 design Methods 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 230000003993 interaction Effects 0.000 description 1
- 230000005055 memory storage Effects 0.000 description 1
- 229920001296 polysiloxane Polymers 0.000 description 1
- 230000000750 progressive effect Effects 0.000 description 1
- 239000010979 ruby Substances 0.000 description 1
- 229910001750 ruby Inorganic materials 0.000 description 1
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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
Abstract
The embodiment of the specification discloses a method, a device and an electronic device for processing payment data, and the scheme of the embodiment is applied to a payment mechanism and specifically can comprise the following steps: if the payment data of the first user account to the second user account comprises an equivalent payment resource obtained based on the equity, acquiring an issuer identifier of the equity, generating a first payment credential containing the issuer identifier and the equivalent payment resource, wherein the first payment credential characterizes the issue of the equity to pay the equivalent payment resource to the second user account.
Description
Technical Field
Embodiments of the present disclosure relate to the field of computer technologies, and in particular, to a payment data processing method, device and electronic equipment.
Background
Typically, payment will be involved in the transaction. Current payment means include cash payments, deduction payments from a user's financial or other payment account, and payments with equity. The equity may be converted or redeemed into an equivalent payment resource for the actual payment activity.
Disclosure of Invention
In view of this, the embodiments of the present disclosure provide a payment data processing method, apparatus and electronic device for improving user experience.
The embodiment of the specification adopts the following technical scheme:
the embodiment of the specification provides a payment data processing method, which is applied to a payment mechanism and comprises the following steps:
determining payment data of a first user account to a second user account, the payment data comprising equivalent payment resources derived based on equity;
acquiring an issuer identification of the rights;
generating a first payment credential comprising the issuer identification and the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account.
The embodiment of the specification also provides a payment data processing method applied to the issuer of the rights and interests, comprising the following steps:
receiving a rights redemption request from a payment mechanism;
exchanging the equity into an equivalent payment resource;
transmitting the equivalent payment resources to the payment mechanism;
a first payment credential is received from the payment mechanism, the first payment credential including an issuer identification of the equity and the equivalent payment resource, the first payment credential generated by the payment mechanism performing a payment operation in accordance with the equivalent payment resource, the equivalent payment resource being paid to the second user account by an issuer representative of the equity.
The embodiment of the specification also provides a payment data processing device, which is applied to a payment mechanism and comprises:
the determining module is used for determining payment data of the first user account to the second user account, wherein the payment data comprises equivalent payment resources obtained based on rights and interests;
the acquisition module acquires the issuer identification of the rights and interests;
and a payment credential generation module that generates a first payment credential comprising the issuer identification and the equivalent payment resource, the first payment credential characterizing the issuer of the equity to pay the equivalent payment resource to the second user account.
The embodiment of the specification also provides a payment data processing apparatus applied to rights issuer, comprising:
a request receiving module that receives a rights exchange request from a payment mechanism;
the exchange module is used for exchanging the rights and interests into equivalent payment resources;
the sending module is used for sending the equivalent payment resources to the payment mechanism;
a payment credential receiving module that receives a first payment credential from the payment mechanism, the first payment credential including an issuer identification of the equity and the equivalent payment resource, the first payment credential generated by the payment mechanism performing a payment operation in accordance with the equivalent payment resource, the equivalent payment resource being paid to the second user account by an issuer representative of the equity.
The embodiment of the specification also provides an electronic device, including:
a processor; and a memory configured to store a computer program that, when executed, causes the processor to:
determining payment data of a first user account to a second user account, the payment data comprising equivalent payment resources derived based on equity;
acquiring an issuer identification of the rights;
generating a first payment credential comprising the issuer identification and the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account.
The embodiment of the specification also provides an electronic device, including:
a processor; and a memory configured to store a computer program that, when executed, causes the processor to:
receiving a rights redemption request from a payment mechanism;
exchanging the equity into an equivalent payment resource;
transmitting the equivalent payment resources to the payment mechanism;
a first payment credential is received from the payment mechanism, the first payment credential including an issuer identification of the equity and the equivalent payment resource, the first payment credential generated by the payment mechanism performing a payment operation in accordance with the equivalent payment resource, the equivalent payment resource being paid to the second user account by an issuer representative of the equity.
The above-mentioned at least one technical scheme that this description embodiment adopted can reach following beneficial effect:
if the first user account includes a benefit in the payment data of the second user account, obtaining an issuer identification of the benefit, generating a first payment credential comprising the issuer identification and the equivalent payment resource to characterize the issuer of the benefit to the second user account using the first payment credential to pay the equivalent payment resource, rather than the first user account directly paying out to pay the equivalent payment resource to the second user account.
Because the payment activity between the first user account and the second user account needs to pass through the payment mechanism, the embodiment of the specification proposes that the payment mechanism replaces a specific seller (such as a merchant corresponding to the second user account) to generate the first payment certificate, so that the issuer with the benefit can obtain the payment certificate for normal payment to prove normal expenditure of the issuer with the benefit, and the user experience of the issuer with the benefit in the business activity is improved.
Drawings
The accompanying drawings, which are included to provide a further understanding of embodiments of the present disclosure and are incorporated in and constitute a part of this specification, illustrate embodiments of the disclosure and together with the description serve to explain the application. In the drawings:
FIG. 1 is a flow chart of a payment data processing method according to an embodiment of the present disclosure;
FIG. 2 is a flow chart illustrating an example of an application for step 101 of FIG. 1, as set forth in the embodiments of the present disclosure;
FIG. 3 is a flow chart of a payment data processing method according to an embodiment of the present disclosure;
FIG. 4 is a flow chart of a payment data processing method according to an embodiment of the present disclosure;
FIG. 5 is a flowchart of an alternative example of a payment data processing method according to an embodiment of the present disclosure;
fig. 6 is a block diagram of a payment data processing apparatus according to an embodiment of the present disclosure;
fig. 7 is a block diagram of a payment data processing apparatus according to an embodiment of the present disclosure;
FIG. 8 illustrates a more specific computing device hardware architecture diagram provided by embodiments of the present description.
Detailed Description
Analysis of the prior art has found that rights are typically issued by third parties other than the particular buyer and seller and obtained by the buyer, who uses them for payment. The seller then issues payment credentials to the buyer based on the actual payment value. In this transaction, although there is no actual transaction between the seller and the third party to which the equity belongs, the third party to which the equity belongs actually pays the equivalent payment resource of the equity, but the third party cannot actually take the payment certificate from either the buyer or the seller.
The embodiment of the specification provides a method, a device and an electronic device for processing payment data, and the scheme of the embodiment is applied to a payment mechanism and specifically can include: if the first user account includes a benefit in the payment data of the second user account, obtaining an issuer identification of the benefit, generating a first payment credential comprising the issuer identification and the equivalent payment resource to characterize the issuer of the benefit to the second user account using the first payment credential to pay the equivalent payment resource, rather than the first user account directly paying out to pay the equivalent payment resource to the second user account.
In order to make the objects, technical solutions and advantages of the present application more apparent, the technical solutions of the present application will be clearly and completely described below with reference to specific embodiments of the present specification and corresponding drawings. It will be apparent that the described embodiments are only some, but not all, of the embodiments of the present specification. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are intended to be within the scope of the present application based on the embodiments herein.
The following describes in detail the technical solutions provided by the embodiments of the present specification with reference to the accompanying drawings.
Fig. 1 is a flowchart of a payment data processing method according to an embodiment of the present disclosure, where the method is applied to a payment mechanism, that is, an execution subject of the method according to the embodiment of the present disclosure is the payment mechanism. The payment mechanism is a payment medium between the buyer and the seller and is responsible for paying the seller from the buyer. The method specifically comprises the following steps:
step 101: payment data for a first user account to a second user account is determined, the payment data including equivalent payment resources paid to the benefits of the second user account.
Step 103: the issuer identification of the equity is obtained.
Step 105: generating a first payment credential comprising the issuer identification and the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account.
In this embodiment of the present description, the payment data is generated during a transaction in which the first user account nominally transfers payment for the respective payment resource to the second user account, which in fact also receives the actual payment resource. Wherein, from the application scenario, the first user account may refer to the buyer side and the second user account may refer to the seller side. Specifically, the first user account and the second user account may be a payment account opened at a payment mechanism or a transaction account opened at a commodity transaction platform, which is not limited herein.
In this case, the execution of step 101 may refer to the embodiment shown in fig. 2;
step 202: receiving a payment request, wherein the payment request is a request for payment to the second user account through the first user account;
step 204: determining a benefit associated with the first user account when a payment request is received;
step 206: acquiring the equivalent payment resources of the rights and interests;
step 208: transferring the equivalent payment resources to the second user account.
The payment request is implied at a stage in the transaction process, payment being the price paid for the purchase of goods or services. The payment request can be sent to a server corresponding to the payment mechanism by the server corresponding to the transaction platform. In practice, the payment request may include a first user account and a second user account, where the first user account is the payer and the second user account is the payee.
In an application scenario, an associated user of a first user account utilizes a client to browse a commodity interface associated with a second user account, and submits commodity order information based on commodity information; and the server corresponding to the client sends a payment request to the server of the payment mechanism according to the commodity order information, so that the payment mechanism executes payment operation according to the payment request, namely, deduction from the first user account is executed to pay to the second user account. In this case, the payment mechanism may refer to a third party payment mechanism.
The payment mechanism may also be a financial institution such as a bank, and is not particularly limited herein.
In this embodiment of the present disclosure, the payment request is a request for payment to the second user account through the first user account, where it may be further determined whether the first user account has an associated benefit, so as to determine the benefit associated with the first user account, and specifically may include at least one of the following steps:
if the payment request carries the equity, the equity may be extracted from the payment request;
the database may also be queried using the first user account to obtain the associated equity of the first user account. The database may be a database corresponding to a payment mechanism. The two steps may be optionally performed sequentially, but not sequentially.
In the embodiments of the present disclosure, rights refer to asset data that may be converted or redeemed for an equivalent payment resource, in the form of points, red packs, or load tickets, or other forms, not specifically limited herein. Where the equivalent payment resources may be monetary or equivalent flows, not specifically limited herein.
In particular, the embodiments of the present specification propose two alternative embodiments for obtaining equitable payment resources of interest.
In one embodiment, if the payment mechanism is a different entity than the issuer of the equity, the equity may be sent to the equity issuer to request that the equity issuer redeem the equity for the equivalent payment resources; and receiving the equivalent payment resources sent by the issuer of the rights and interests so as to achieve the purpose of acquiring the equivalent payment resources of the rights and interests.
In this case, the issuer of the equity may be a financial institution, such as a bank or other third party payment institution. Specifically, the rights are sent to the issuing financial institution of the rights to request that the issuing financial institution redeem the rights for the equivalent payment resource.
The issuer of the equity may also be the issuer of a non-financial institution, a ticket or a load ticket or other equity. In this case, the issuer of the equity may also be the second user account, specifically, the merchant account corresponding to the second user account.
In another embodiment, if the issuer of the equity and the payment mechanism are the same entity, the payment mechanism exchanges the equity for the equity payment resource according to the equity relationship between the equity and the equity payment resource, so as to achieve the purpose of obtaining the equity payment resource of the equity.
In this case, the payment mechanism may query its database for the equity relationship with the equity payment resource to determine the equity payment resource. In this case, the rights and interests may be stored in the payment mechanism's own database and associated with the first user account, or may be issued to the outside by the payment mechanism and carried by the first user account in the payment request, which is not limited herein.
In addition, the benefits claimed in embodiments of the present description may also be associated with the second user account or a corresponding seller account for the second user account, the purpose of the association being such that the benefits may be used for transaction payment for the second user account. In this way, the payment mechanism can determine whether the equity can be used for the current payment based on the second user account before transferring the equivalent payment resources to the second user account. If yes, transferring the equivalent payment resources to the second user account; otherwise, the payment is refused.
In the embodiment of the present specification, step 103 is performed, and specifically, the issuer identification of the rights may be extracted from the rights. In particular, the rights information may include an issuer identification and a specific rights value, so that the issuer identification can be extracted. The right value refers to a specific value of the right, such as an integrated value, a red packet credit, a discount credit, etc., which is not limited herein.
In this case, by extracting the issuer identification of the equity, it can be determined whether the issuer identification is the same entity as the payment entity, and then a specific process of acquiring equivalent payment resources is performed, in particular with reference to the above embodiments.
Once the equivalent payment resources are obtained, specific payment operations may be performed and payment data generated. By performing step 105, specifically using the issuer identification and the equivalent payment resources, a first payment credential is generated from the payment credential template. Specifically, the issuer identification of the equity is loaded at the payment position of the payment voucher template, the equivalent payment resource of the equity is loaded at the payment amount position, and finally the first payment voucher is obtained.
In addition, the first payment credential may also include a second user account or an identification thereof. The identification of the second user account is loaded at the payee location of the payment credential template in particular, such that the second user account or identification information thereof is displayed in the first payment credential.
The first payment credential may take the form of an electronic invoice, or other electronic credential, not specifically limited herein.
In this embodiment of the present description, if the issuer of the equity and the payment mechanism belong to two different principals, the first payment credential may be sent to the issuer of the equity and the user to whom the second user account belongs, so that the issuer of the equity may prove its actual payout based on the first payment credential.
If the issuer of the equity and the payment mechanism belong to two identical principals, the payment mechanism may store the first payment credential and send the first payment credential to the user to whom the second user account belongs.
With the embodiment of the present disclosure, since the payment activity between the first user account and the second user account needs to pass through the payment mechanism, the embodiment of the present disclosure proposes that the payment mechanism replaces a specific seller (for example, a merchant corresponding to the second user account) to generate the first payment certificate, so that the issuer who can give the right can obtain the payment certificate for normal payment, thereby proving normal expenditure, and improving the user experience of the issuer who has the right in the business activity.
The first payment credential includes the first user account or a transaction account identifier corresponding to the first user account, which is not specifically limited herein.
The embodiment of the present disclosure further proposes an alternative embodiment, with reference to fig. 3, and the specific scheme is as follows:
step 301: determining payment data of a first user account to a second user account, wherein the payment data comprises equitable payment resources of interests, and further comprises account balance resources transferred from the first user account, and the account balance resources and the equitable payment resources form the payment data.
Step 303: obtain the issuer identification of the rights.
Step 305: generating a first payment credential comprising an issuer identification and an equivalent payment resource, and also generating a second payment credential comprising a first user account and an account balance resource, the second payment credential characterizing the first user account to pay the account balance resource to the second user account.
The second user account receives two payments, namely an equivalent payment resource and an account balance resource, which are the same in type and have actual transaction values. While the first user account actually pays for account balance resources, and the equity issuer actually pays for equivalent payment resources.
In this case, the second payment credential may be sent to the user to whom the first user account belongs and the user to whom the second user account belongs. In fact, the user to which the first user account belongs and the user to which the second user account belongs may specifically refer to a user mailbox, a mobile phone number, or other forms, which are not specifically limited herein.
Wherein, in the first payment credential and the second payment credential, the payee is the second user account. Thus, both the first payment credential and the second payment credential may be sent to the second user account, which may prove actual revenue for the second user account.
In addition, when the issuer of the payment mechanism and the issuer of the equity are different entities, the embodiment of the present disclosure further proposes a method as shown in fig. 4, in which the executing entity is the issuer of the equity, so the method is applied to the issuer of the equity.
Step 402: a request for equity redemption is received from a payment institution. The equity redemption request may include equity.
Step 404: and exchanging the rights and interests into equivalent payment resources. In fact, the equity value can include the equity payment resources that can be converted by the equity value, so that the equity payment resources can be directly determined according to the equity.
If the equity does not contain the equity payment resources, the equity payment resources corresponding to the equity payment resources can be queried from the local database by using the identification information of the equity.
Step 406: and sending the equivalent payment resource to the payment mechanism. In this way, the payment mechanism may utilize the equivalent payment resource to perform payment operations, and detailed descriptions thereof are omitted herein with reference to the embodiments shown in fig. 1-3.
Step 408: a first payment credential is received from the payment mechanism, the first payment credential including an issuer identification of the equity and the equivalent payment resource, the first payment credential generated by the payment mechanism performing a payment operation in accordance with the equivalent payment resource, the equivalent payment resource being paid to the second user account by an issuer representative of the equity.
Specifically, a communication connection may be established between a server of the payment mechanism and a server of the equity issuer such that the server of the payment mechanism sends an equity redemption request to the server of the equity issuer based on the communication connection and the server of the equity issuer receives the first payment credential from the server of the payment mechanism.
Wherein the equity issuer may determine the equity's equity payment resources based on a correspondence between equity values and equity payment resources, such correspondence being stored in advance in the equity issuer's database.
Fig. 5 is a flowchart of an alternative example of a payment data processing method according to an embodiment of the present disclosure. Where merchant a may correspond to one example of a rights issuer in the embodiments shown in fig. 1-4, buyer B is one example of a first user account in the embodiments shown in fig. 1-4, and buyer B obtains a 10-element red package issued by seller a, which may be one example of a rights.
During the payment phase, buyer B needs to pay seller C20 yuan, 30-ary payments were made to seller D, 50-ary payments in total. At this time, the payment mechanism acquires a 10-membered red packet provided by the buyer B and a bank card account;
the payment mechanism extracts 30-element card balance from a bank card account through a bank card issuing bank, and simultaneously acquires 10 elements of bank card point exchange, wherein the bank card point is also an example of rights and interests;
The payment mechanism uses the equivalent 10-element and 10-element bank card balances converted with the bank card points to pay the seller C, and uses the 10-element red envelope and 20-element bank card balances to pay the seller D.
In the invoice generation stage:
the payment mechanism replaces a seller C, receives 10-element bank card balance of a buyer B according to the seller C, generates a first invoice, and feeds back the first invoice to the buyer B; a kind of electronic device with high-pressure air-conditioning system
And generating a second invoice according to the equivalent 10 elements of the bank card points paid by the bank card issuing bank by the seller C, and feeding back the second invoice to the bank card issuing bank.
The payment mechanism replaces a seller D, receives 20-element bank card balance of a buyer B according to the seller D, generates a third invoice, and feeds back the third invoice to the buyer B; a kind of electronic device with high-pressure air-conditioning system
And generating a fourth invoice according to the 10-element red packet paid by the seller A by the seller D, and feeding the fourth invoice back to the seller A.
An invoice is an alternative embodiment of a payment invoice.
Fig. 6 also proposes a schematic structural diagram of a payment data processing device, which is applied to a payment mechanism, and specifically includes:
a determining module 601, configured to determine payment data of a first user account to a second user account, the payment data including equivalent payment resources based on benefits;
an acquisition module 602 that acquires an issuer identification of the equity;
A payment credential generation module 603 generates a first payment credential comprising the issuer identification and the equivalent payment resource, the first payment credential characterizing the issuer of the equity to pay the equivalent payment resource to the second user account.
Optionally, determining payment data of the first user account to the second user account includes:
receiving a payment request, wherein the payment request is a request for payment to the second user account through the first user account;
upon receiving the payment request, determining the equity associated with the first user account;
acquiring the equivalent payment resources of the rights and interests;
transferring the equivalent payment resources to the second user account.
Optionally, if the payment mechanism is a different principal than the issuer of the equity, acquiring an equivalent payment resource for the equity, including:
transmitting the rights to an issuer of the rights to request that the rights issuer redeem the rights for the equivalent payment resource;
and receiving the equivalent payment resource sent by the issuer of the equity.
Optionally, if the issuer of the equity is the same principal as the payment mechanism, acquiring an equivalent payment resource for the equity includes:
And according to the equivalence relation between the rights and the equivalent payment resources, the payment mechanism exchanges the rights into the equivalent payment resources.
Based on the same inventive concept, the embodiments of the present disclosure further provide an electronic device, including:
a processor; and a memory configured to store a computer program that, when executed, causes the processor to:
determining payment data of a first user account to a second user account, the payment data comprising equivalent payment resources derived based on equity;
acquiring an issuer identification of the rights;
generating a first payment credential comprising the issuer identification and the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account.
Based on the same inventive concept, there is also provided in embodiments of the present specification a computer readable storage medium comprising a computer program for use in connection with an electronic device, the computer program being executable by a processor to perform the steps of:
determining payment data of a first user account to a second user account, the payment data comprising equivalent payment resources derived based on equity;
Acquiring an issuer identification of the rights;
generating a first payment credential comprising the issuer identification and the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account.
Fig. 7 presents a schematic structural diagram of a payment data processing apparatus, which is applied to an issuer of rights, and specifically includes:
a request receiving module 701 that receives a request for equity redemption from a payment mechanism;
a redemption module 702 that sends the equivalent payment resources to the payment mechanism;
a sending module 703, configured to send the equivalent payment resource to the payment mechanism, and perform a payment operation by the payment mechanism using the equivalent payment resource;
a payment credential receipt module 704 that receives, from the payment mechanism, a first payment credential for the equivalent payment resource, the first payment credential being generated by the payment mechanism from the payment mechanism with an identification of the equity issuer and the equivalent payment resource based on a payment result, the first payment credential characterizing an identification of a payer paying for the equivalent payment resource to the second user account as the equity issuer.
Based on the same inventive concept, the embodiments of the present disclosure further provide an electronic device, including:
a processor; and a memory configured to store a computer program that, when executed, causes the processor to:
receiving a rights redemption request from a payment mechanism;
exchanging the equity into an equivalent payment resource;
transmitting the equivalent payment resources to the payment mechanism;
a first payment credential is received from the payment mechanism, the first payment credential including an issuer identification of the equity and the equivalent payment resource, the first payment credential generated by the payment mechanism performing a payment operation in accordance with the equivalent payment resource, the equivalent payment resource being paid to the second user account by an issuer representative of the equity.
Based on the same inventive concept, there is also provided in embodiments of the present specification a computer readable storage medium comprising a computer program for use in connection with an electronic device, the computer program being executable by a processor to perform the steps of:
receiving a rights redemption request from a payment mechanism;
exchanging the equity into an equivalent payment resource;
Transmitting the equivalent payment resources to the payment mechanism;
a first payment credential is received from the payment mechanism, the first payment credential including an issuer identification of the equity and the equivalent payment resource, the first payment credential generated by the payment mechanism performing a payment operation in accordance with the equivalent payment resource, the equivalent payment resource being paid to the second user account by an issuer representative of the equity.
FIG. 8 illustrates a more specific hardware architecture diagram of a computing device provided by embodiments of the present description, which may include: a processor 1010, a memory 1020, an input/output interface 1030, a communication interface 1040, and a bus 1050. Wherein processor 1010, memory 1020, input/output interface 1030, and communication interface 1040 implement communication connections therebetween within the device via a bus 1050.
The processor 1010 may be implemented by a general-purpose CPU (Central Processing Unit ), microprocessor, application specific integrated circuit (Application Specific Integrated Circuit, ASIC), or one or more integrated circuits, etc. for executing relevant programs to implement the technical solutions provided in the embodiments of the present disclosure.
The Memory 1020 may be implemented in the form of ROM (Read Only Memory), RAM (Random AccessMemory ), static storage device, dynamic storage device, or the like. Memory 1020 may store an operating system and other application programs, and when the embodiments of the present specification are implemented in software or firmware, the associated program code is stored in memory 1020 and executed by processor 1010.
The input/output interface 1030 is used to connect with an input/output module for inputting and outputting information. The input/output module may be configured as a component in a device (not shown) or may be external to the device to provide corresponding functionality. Wherein the input devices may include a keyboard, mouse, touch screen, microphone, various types of sensors, etc., and the output devices may include a display, speaker, vibrator, indicator lights, etc.
Communication interface 1040 is used to connect communication modules (not shown) to enable communication interactions of the present device with other devices. The communication module may implement communication through a wired manner (such as USB, network cable, etc.), or may implement communication through a wireless manner (such as mobile network, WIFI, bluetooth, etc.).
Bus 1050 includes a path for transferring information between components of the device (e.g., processor 1010, memory 1020, input/output interface 1030, and communication interface 1040).
It should be noted that although the above-described device only shows processor 1010, memory 1020, input/output interface 1030, communication interface 1040, and bus 1050, in an implementation, the device may include other components necessary to achieve proper operation. Furthermore, it will be understood by those skilled in the art that the above-described apparatus may include only the components necessary to implement the embodiments of the present description, and not all the components shown in the drawings.
In the 90 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of the hardware description languages described above.
The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.
The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
For convenience of description, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each element may be implemented in the same piece or pieces of software and/or hardware when implementing the present application.
It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application 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 flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 payment data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable payment 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 payment 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 payment 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.
In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.
Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.
It should also be noted that 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. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.
The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.
The foregoing is merely exemplary of the present application and is not intended to limit the present application. Various modifications and variations of the present application will be apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. which come within the spirit and principles of the application are to be included in the scope of the claims of the present application.
Claims (19)
1. A payment data processing method, applied to a payment mechanism, comprising:
determining payment data of a first user account to a second user account, wherein the payment data comprises equivalent payment resources obtained based on rights and interests, and the rights and interests refer to asset data converted or converted into the equivalent payment resources;
obtaining the issuer identification of the equity, including: extracting an issuer identification of a benefit from the benefit, the benefit including at least one of a credit, a red pack, a refill coupon;
Generating a first payment credential comprising the issuer identification and the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account, sending the first payment credential to the issuer of the equity and the user to whom the second user account belongs, the issuer of the equity proving its actual payout based on the first payment credential.
2. The method of claim 1, determining payment data for the first user account to the second user account, comprising:
receiving a payment request, wherein the payment request is a request for payment to the second user account through the first user account;
upon receiving the payment request, determining the equity associated with the first user account;
acquiring the equivalent payment resources of the rights and interests;
transferring the equivalent payment resources to the second user account.
3. The method of claim 2, wherein if the payment mechanism is a different principal than the issuer of the equity, obtaining an equivalent payment resource for the equity comprises:
transmitting the rights to an issuer of the rights to request that the rights issuer redeem the rights for the equivalent payment resource;
And receiving the equivalent payment resource sent by the issuer of the equity.
4. The method of claim 3, sending the rights benefit to an issuer of the rights benefit, comprising:
the rights are sent to the issuing financial institution of the rights to request the issuing financial institution to redeem the rights for the equivalent payment resources.
5. The method of claim 2, if the issuer of the equity is the same principal as the payment mechanism, obtaining an equivalent payment resource for the equity comprising:
and according to the equivalence relation between the rights and the equivalent payment resources, the payment mechanism exchanges the rights into the equivalent payment resources.
6. The method of claim 2, determining the equity associated with the first user account, comprising at least one of:
querying a database by using the first user account to obtain the rights and interests associated with the first user account;
and if the payment request carries the rights and interests, extracting the rights and interests from the payment request.
7. The method of claim 1, obtaining an issuer identification of the equity, comprising:
an issuer identification of the equity is extracted from the equity.
8. The method of claim 1, further comprising account balance resources transferred from the first user account, the account balance resources and the equivalent payment resources comprising the payment data.
9. The method of claim 8, further comprising:
generating a second payment credential comprising the first user account and an account balance resource, the second payment credential characterizing the first user account paying for the account balance resource to the second user account.
10. The method of claim 9, further comprising:
and sending the second payment credentials to a user to whom the first user account belongs and a user to which the second user account belongs.
11. The method of claim 1, further comprising:
the first payment credentials are sent to the issuer of the equity and a user to whom the second user account belongs.
12. A payment data processing method applied to an issuer of rights, comprising:
receiving a equity redemption request from a payment mechanism, the equity referring to asset data converted or redeemed into an equivalent payment resource, the equity including at least one of points, red packs, and load tickets;
exchanging the equity into an equivalent payment resource;
Transmitting the equivalent payment resources to the payment mechanism;
receiving a first payment credential from the payment mechanism, the first payment credential including an issuer identification of the equity and the equivalent payment resource, extracting the issuer identification of the equity from the equity, the first payment credential generated by the payment mechanism performing a payment operation in accordance with the equivalent payment resource, characterizing the issuer of the equity to pay the equivalent payment resource to a second user account, sending the first payment credential to the issuer of the equity and a user to whom the second user account belongs, the issuer of the equity proving its actual payout based on the first payment credential.
13. A payment data processing apparatus for use in a payment mechanism, comprising:
a determining module for determining payment data of the first user account to the second user account, wherein the payment data comprises equivalent payment resources obtained based on interests, the interests refer to asset data converted or converted into equivalent payment resources, and the interests comprise at least one of points, red packages and charging coupons;
the acquisition module acquires the issuer identification of the rights and interests, and comprises: extracting an issuer identification of the rights from the rights;
And the payment credential generation module is used for generating a first payment credential containing the issuer identifier and the equivalent payment resource, wherein the first payment credential characterizes the issuing of the equity to pay the equivalent payment resource to the second user account, and sending the first payment credential to the issuing of the equity and the user to which the second user account belongs, and the issuing of the equity proves the actual expenditure of the issuing of the equity based on the first payment credential.
14. The apparatus of claim 13, determining payment data for the first user account to the second user account, comprising:
receiving a payment request, wherein the payment request is a request for payment to the second user account through the first user account;
upon receiving the payment request, determining the equity associated with the first user account;
acquiring the equivalent payment resources of the rights and interests;
transferring the equivalent payment resources to the second user account.
15. The apparatus of claim 14, wherein if the payment mechanism is a different principal than the issuer of the equity, obtaining an equivalent payment resource for the equity comprises:
transmitting the rights to an issuer of the rights to request that the rights issuer redeem the rights for the equivalent payment resource;
And receiving the equivalent payment resource sent by the issuer of the equity.
16. The apparatus of claim 14, wherein if the issuer of the equity is the same principal as the payment mechanism, obtaining an equivalent payment resource for the equity comprises:
and according to the equivalence relation between the rights and the equivalent payment resources, the payment mechanism exchanges the rights into the equivalent payment resources.
17. A payment data processing apparatus for use with an issuer of rights, comprising:
a request receiving module for receiving a equity redemption request from a payment mechanism, the equity referring to asset data converted or redeemed into an equivalent payment resource, the equity including at least one of points, red packs, and load tickets;
the exchange module is used for exchanging the rights and interests into equivalent payment resources;
the sending module is used for sending the equivalent payment resources to the payment mechanism;
a payment credential receiving module that receives a first payment credential from the payment mechanism, the first payment credential including an issuer identification of the equity and the equivalent payment resource, extracts the issuer identification of the equity from the equity, the first payment credential generated by the payment mechanism performing a payment operation in accordance with the equivalent payment resource, characterizes the equity's issuer as paying for the equivalent payment resource to a second user account, and sends the first payment credential to the equity's issuer and a user to whom the second user account belongs, the equity's issuer proving its actual payout based on the first payment credential.
18. An electronic device, comprising:
a processor; and a memory configured to store a computer program that, when executed, causes the processor to:
determining payment data of a first user account to a second user account, wherein the payment data comprises equivalent payment resources obtained based on benefits, the benefits refer to asset data converted or redeemed into the equivalent payment resources, and the benefits comprise at least one of points, red packages and charging coupons;
obtaining the issuer identification of the equity, including: extracting an issuer identification of the rights from the rights;
generating a first payment credential comprising the issuer identification and the equivalent payment resource, the first payment credential characterizing that the issuer of the equity pays the equivalent payment resource to the second user account, sending the first payment credential to the issuer of the equity and the user to whom the second user account belongs, the issuer of the equity proving its actual payout based on the first payment credential.
19. An electronic device, comprising:
a processor; and a memory configured to store a computer program that, when executed, causes the processor to:
Receiving a equity redemption request from a payment mechanism, the equity referring to asset data converted or redeemed into an equivalent payment resource, the equity including at least one of points, red packs, and load tickets;
exchanging the equity into an equivalent payment resource;
transmitting the equivalent payment resources to the payment mechanism;
receiving a first payment credential from the payment mechanism, the first payment credential including an issuer identification of the equity and the equivalent payment resource, extracting the issuer identification of the equity from the equity, the first payment credential generated by the payment mechanism performing a payment operation in accordance with the equivalent payment resource, characterizing the issuer of the equity to pay the equivalent payment resource to a second user account, sending the first payment credential to the issuer of the equity and a user to whom the second user account belongs, the issuer of the equity proving its actual payout based on the first payment credential.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010778986.0A CN111985919B (en) | 2020-08-05 | 2020-08-05 | Payment data processing method and device and electronic equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010778986.0A CN111985919B (en) | 2020-08-05 | 2020-08-05 | Payment data processing method and device and electronic equipment |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN111985919A CN111985919A (en) | 2020-11-24 |
| CN111985919B true CN111985919B (en) | 2023-12-15 |
Family
ID=73445122
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202010778986.0A Active CN111985919B (en) | 2020-08-05 | 2020-08-05 | Payment data processing method and device and electronic equipment |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN111985919B (en) |
Citations (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| EP1127593A1 (en) * | 2000-02-21 | 2001-08-29 | Jacob Hulleman | Voucher as well as method for issuing and collecting the voucher |
| KR20090002052A (en) * | 2007-06-04 | 2009-01-09 | 주식회사 신한은행 | System and method for handling plural settlement admission using account |
| CN105378776A (en) * | 2013-02-26 | 2016-03-02 | 维萨国际服务协会 | Methods and systems for providing payment credentials |
| CN105493116A (en) * | 2013-05-15 | 2016-04-13 | 维萨国际服务协会 | Methods and systems for provisioning payment credentials |
| CN105913272A (en) * | 2014-12-11 | 2016-08-31 | 凭证激活知识产权服务私人有限公司 | System and method for processing vouchers |
| CN106960324A (en) * | 2016-01-08 | 2017-07-18 | 深圳市星电商科技有限公司 | The sending method and device of electronics red packet |
| CN107274199A (en) * | 2016-04-07 | 2017-10-20 | 阿里巴巴集团控股有限公司 | A kind of method for processing business, apparatus and system for electronic ticket |
| CN107358421A (en) * | 2017-02-23 | 2017-11-17 | 美味不用等（上海）信息科技股份有限公司 | Method of payment, payment mechanism, terminal device and server |
| CN107527201A (en) * | 2017-07-03 | 2017-12-29 | 阿里巴巴集团控股有限公司 | Data processing method, device and equipment |
| CN109446842A (en) * | 2018-10-31 | 2019-03-08 | 深圳电通信息技术有限公司 | A kind of copyright rights whatsoever method of commerce and device based on block chain and distributed account book |
| CN110020843A (en) * | 2019-03-26 | 2019-07-16 | 阿里巴巴集团控股有限公司 | Red packet based on trustship account gets method and device, electronic equipment |
| CN110956453A (en) * | 2019-11-22 | 2020-04-03 | 肖光昱 | Circulation payment clearing method and device based on asset digital certificate and medium |
Family Cites Families (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| SG10201800449QA (en) * | 2018-01-17 | 2019-08-27 | Mastercard International Inc | Systems, methods and computer readable media for creating and processing a digital voucher |
-
2020
- 2020-08-05 CN CN202010778986.0A patent/CN111985919B/en active Active
Patent Citations (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| EP1127593A1 (en) * | 2000-02-21 | 2001-08-29 | Jacob Hulleman | Voucher as well as method for issuing and collecting the voucher |
| KR20090002052A (en) * | 2007-06-04 | 2009-01-09 | 주식회사 신한은행 | System and method for handling plural settlement admission using account |
| CN105378776A (en) * | 2013-02-26 | 2016-03-02 | 维萨国际服务协会 | Methods and systems for providing payment credentials |
| CN105493116A (en) * | 2013-05-15 | 2016-04-13 | 维萨国际服务协会 | Methods and systems for provisioning payment credentials |
| CN105913272A (en) * | 2014-12-11 | 2016-08-31 | 凭证激活知识产权服务私人有限公司 | System and method for processing vouchers |
| CN106960324A (en) * | 2016-01-08 | 2017-07-18 | 深圳市星电商科技有限公司 | The sending method and device of electronics red packet |
| CN107274199A (en) * | 2016-04-07 | 2017-10-20 | 阿里巴巴集团控股有限公司 | A kind of method for processing business, apparatus and system for electronic ticket |
| CN107358421A (en) * | 2017-02-23 | 2017-11-17 | 美味不用等（上海）信息科技股份有限公司 | Method of payment, payment mechanism, terminal device and server |
| CN107527201A (en) * | 2017-07-03 | 2017-12-29 | 阿里巴巴集团控股有限公司 | Data processing method, device and equipment |
| CN109446842A (en) * | 2018-10-31 | 2019-03-08 | 深圳电通信息技术有限公司 | A kind of copyright rights whatsoever method of commerce and device based on block chain and distributed account book |
| CN110020843A (en) * | 2019-03-26 | 2019-07-16 | 阿里巴巴集团控股有限公司 | Red packet based on trustship account gets method and device, electronic equipment |
| CN110956453A (en) * | 2019-11-22 | 2020-04-03 | 肖光昱 | Circulation payment clearing method and device based on asset digital certificate and medium |
Also Published As
| Publication number | Publication date |
|---|---|
| CN111985919A (en) | 2020-11-24 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US10846708B2 (en) | Systems and methods for enrolling a user in a membership account | |
| US10372712B2 (en) | Converged merchant processing apparatuses, methods and systems | |
| US11663564B1 (en) | Creating and managing private electronic currency | |
| US10783509B2 (en) | Message sizing and serialization optimization | |
| US11941008B2 (en) | Converged merchant processing apparatuses, methods and systems | |
| EP3588414A1 (en) | Aggregated transaction processing | |
| CN109102268A (en) | It is a kind of for polymerize payment reconciliation method and apparatus | |
| US20200034867A1 (en) | Managing user loyalty groups at point-of-sale accesses | |
| CN113421081A (en) | Payment processing method and device | |
| CN114548963B (en) | Payment interaction processing method and device | |
| CN111985919B (en) | Payment data processing method and device and electronic equipment | |
| CN114429345A (en) | Digital currency payment method, device, storage medium and electronic equipment | |
| US20140250012A1 (en) | System and method for acquiring transactional data on consumer use of gift certificates at merchant retail locations | |
| CN109559212B (en) | Tax refund processing method, device, equipment and system | |
| JP2012094061A (en) | Remittance system effectively utilizing information processing terminal | |
| CN113256284B (en) | Payment processing method and device | |
| CN113419794B (en) | Payment processing method and device | |
| KR102149865B1 (en) | Method and system for generating receipt | |
| US20240015005A1 (en) | Computing architecture for energy-efficient hash computation | |
| CN117892003A (en) | Resource allocation processing method and device | |
| CN117252661A (en) | Transaction processing method and device | |
| CN116362735A (en) | Payment method and device | |
| CN116596529A (en) | Transaction processing method and device | |
| CA2965542C (en) | Systems and methods for transferring value to payment accounts | |
| CN113222573A (en) | Transaction processing method and device |
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 | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20230109 Address after: 200120 Floor 15, No. 447, Nanquan North Road, China (Shanghai) Pilot Free Trade Zone, Pudong New Area, Shanghai Applicant after: Alipay.com Co.,Ltd. Address before: 310000 801-11 section B, 8th floor, 556 Xixi Road, Xihu District, Hangzhou City, Zhejiang Province Applicant before: Alipay (Hangzhou) Information Technology Co.,Ltd. |
|
| TA01 | Transfer of patent application right | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |