CN112967046A

CN112967046A - Associated payment processing method and device

Info

Publication number: CN112967046A
Application number: CN202110225484.XA
Authority: CN
Inventors: 杨宇
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: AlipayCom Co ltd
Priority date: 2021-03-01
Filing date: 2021-03-01
Publication date: 2021-06-15
Anticipated expiration: 2041-03-01
Also published as: CN112967046B

Abstract

The embodiment of the specification provides an associated payment processing method and an associated payment processing device, wherein the associated payment processing method comprises the following steps: generating a payment application for a second user associated with the associated payment certificate according to a payment instruction submitted by a first user for a payment channel corresponding to the associated payment certificate; unfreezing frozen funds in the fund account bound by the associated payment credentials based on the payment application; performing payment processing of the payment order of the first user according to the defrosted fund; and newly adding a payment deduction record in the escrow account of the associated payment voucher, and updating the fund amount of the remaining blocked fund in the fund account.

Description

Associated payment processing method and device

Technical Field

The present document relates to the field of payment technologies, and in particular, to a method and an apparatus for associated payment processing.

Background

With the continuous development and popularization of the internet, the application range of online payment provided based on the internet is also wider and wider, and most users are gradually covered, in this case, how to promote the payment personalization of online payment facing different first users, and how to promote the payment diversification of users in the payment process, for example, the interaction between users around the payment process becomes the key point of determining the user viscosity of online payment, and also becomes the key point of promoting the user liveness of the payment platform.

Disclosure of Invention

One or more embodiments of the present specification provide an associated payment processing method. The associated payment processing method comprises the following steps: and generating a payment application for a second user associated with the associated payment certificate according to a payment instruction submitted by the first user for a payment channel corresponding to the associated payment certificate. And unfreezing frozen funds in the fund account bound by the associated payment certificate based on the payment application. And carrying out payment processing of the payment order of the first user according to the defrosted fund. And newly adding a payment deduction record in the escrow account of the associated payment voucher, and updating the fund amount of the remaining blocked fund in the fund account.

One or more embodiments of the present specification provide another associated payment processing method, including: and issuing a related payment protocol to the second user according to the obtained opening request of the related payment relationship. After the associated payment agreement is signed, opening an associated payment credential and creating a escrow account. And carrying out fund recharging processing on the associated payment voucher, and freezing the recharging fund. And freezing records of the new fund accruing in the escrow account, and sending an associated payment opening notice to the first user.

One or more embodiments of the present specification provide an associated payment processing apparatus comprising: and the payment application generation module is configured to generate a payment application for a second user associated with the associated payment certificate according to a payment instruction submitted by the first user for a payment channel corresponding to the associated payment certificate. A fund unfreezing module configured to unfreeze frozen funds in the fund account bound by the associated payment credentials based on the payment application. A payment processing module configured to perform payment processing of the first user's payment order based on the defrosted funds. And the account maintenance module is configured to add a payment deduction record in the escrow account of the associated payment certificate and update the fund amount of the remaining blocked fund in the fund account.

One or more embodiments of the present specification provide another associated payment processing apparatus, comprising: and the protocol issuing module is configured to issue the associated payment protocol to the second user according to the obtained opening request of the associated payment relationship. A escrow account provisioning module configured to provision the associated payment credentials and create an escrow account after the associated payment agreement is signed. And the fund charging freezing module is configured to perform fund charging processing on the associated payment voucher and freeze the charged fund. A fund record maintenance module configured to freeze a record of new funding funds in the escrow account and send an associated payment opening notification to the first user.

One or more embodiments of the present specification provide an associated payment processing apparatus comprising: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and generating a payment application for a second user associated with the associated payment certificate according to a payment instruction submitted by the first user for a payment channel corresponding to the associated payment certificate. And unfreezing frozen funds in the fund account bound by the associated payment certificate based on the payment application. And carrying out payment processing of the payment order of the first user according to the defrosted fund. And newly adding a payment deduction record in the escrow account of the associated payment voucher, and updating the fund amount of the remaining blocked fund in the fund account.

One or more embodiments of the present specification provide another associated payment processing apparatus, comprising: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and issuing a related payment protocol to the second user according to the obtained opening request of the related payment relationship. After the associated payment agreement is signed, opening an associated payment credential and creating a escrow account. And carrying out fund recharging processing on the associated payment voucher, and freezing the recharging fund. And freezing records of the new fund accruing in the escrow account, and sending an associated payment opening notice to the first user.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following: and generating a payment application for a second user associated with the associated payment certificate according to a payment instruction submitted by the first user for a payment channel corresponding to the associated payment certificate. And unfreezing frozen funds in the fund account bound by the associated payment certificate based on the payment application. And carrying out payment processing of the payment order of the first user according to the defrosted fund. And newly adding a payment deduction record in the escrow account of the associated payment voucher, and updating the fund amount of the remaining blocked fund in the fund account.

One or more embodiments of the present specification provide another storage medium storing computer-executable instructions that, when executed, implement the following: and issuing a related payment protocol to the second user according to the obtained opening request of the related payment relationship. After the associated payment agreement is signed, opening an associated payment credential and creating a escrow account. And carrying out fund recharging processing on the associated payment voucher, and freezing the recharging fund. And freezing records of the new fund accruing in the escrow account, and sending an associated payment opening notice to the first user.

Drawings

In order to more clearly illustrate one or more embodiments or technical solutions in the prior art in the present specification, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without inventive exercise;

fig. 1 is a process flow diagram of an associated payment processing method according to one or more embodiments of the present disclosure;

FIG. 2 is a process flow diagram of an associated payment processing method applied to an online payment scenario according to one or more embodiments of the present disclosure;

FIG. 3 is a flow diagram of another associated payment processing method process provided by one or more embodiments of the present description;

FIG. 4 is a schematic diagram of an associated payment processing apparatus, provided in one or more embodiments of the present disclosure;

FIG. 5 is a schematic diagram of another associated payment processing apparatus provided in one or more embodiments of the present description;

FIG. 6 is a schematic diagram of an associated payment processing apparatus according to one or more embodiments of the present disclosure;

fig. 7 is a schematic structural diagram of another associated payment processing apparatus provided in one or more embodiments of the present disclosure.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

An embodiment of a method for processing associated payment provided in this specification:

referring to fig. 1, which shows a processing flow chart of an associated payment processing method provided in this embodiment, and referring to fig. 2, which shows a processing flow chart of an associated payment processing method of an online payment scenario provided in this embodiment.

Referring to fig. 1, the associated payment processing method provided in this embodiment specifically includes steps S102 to S108.

Step S102, generating a payment application of a second user opening the associated payment voucher according to a payment instruction submitted by the first user aiming at a payment channel corresponding to the associated payment voucher.

In the associated payment processing method provided by this embodiment, based on the associated payment relationship established between the second user and the first user, in the process of performing payment processing on the associated payment credential issued after the first user selects the associated payment relationship to establish, a payment application for the second user is generated to trigger the associated payment between the second user and the first user, and the associated payment between the second user and the first user is realized by means of the associated payment credential, further, the funds of the associated payment are managed by means of fund freezing and defreezing, and the funds accounting of the associated payment is managed by creating the escrow account, so that the funds management authority of the second user who authorizes the opening of the associated payment credential is ensured, and the independence of the funds accounting of the associated payment is realized.

The associated payment relationship described in this embodiment refers to that a user performs a fund authorization to another user, and after the fund authorization is performed, an authorized user (a first user/a paying user) of an authorized party may use funds in an authorization range provided by an authorized user (a second user) of an authorized party to perform payment, that is: the authorized user and the authorized user establish a certain incidence relation through authorization, and the purpose of the established incidence relation is to carry out payment, which is called incidence payment relation; specifically, an authorized user proposes a payment application, and payment processing is realized through the associated payment certificate on the basis of the payment application. The specific way of authorization is in the way of signing an agreement, and the authorized user authorizes the authorized user by signing an associated payment agreement.

The associated payment voucher refers to a management voucher for managing the associated payment relationship by the second user and an access voucher for payment processing by the first user by using the associated payment relationship. For example, the payment credentials are stored in the form of a virtual card, an electronic card, etc. in the user terminal of the second user or the first user, the second user can perform configuration management by clicking the identifier of the virtual card or the electronic card, and the first user can perform payment processing by selecting the virtual card or the electronic card in the payment channel list during the payment process.

It should be noted that, the associated payment credential issued after the associated payment relationship is established has the above associated payment characteristics, so in order to ensure the payment security of both parties performing the associated payment, in this embodiment, the authorized user and the authorized user are a pair of users having a certain social relationship or data relationship, for example, the authorized user is a relative of the authorized user, and in this case, the associated payment relationship between the authorized user and the authorized user may be referred to as an affinity payment relationship; alternatively, the authorized user is an online social friend of the authorized user.

Optionally, the associated payment credential is issued after the second user opens the associated payment relationship with the first user and opens the escrow account in the fund account. Wherein associating the payment relationship comprises: and the second user gives the first user the associated payment relationship established with the first user and established with the associated payment certificate, and responds to the invitation of the first user to establish the associated payment relationship with the first user.

In an optional implementation manner provided by this embodiment, the associated payment credential is specifically opened in the following manner:

1) opening the associated payment voucher of the associated payment relationship, and creating a trustee account in the fund account as a trustee account of the associated payment voucher;

2) freezing the fund in the fund account according to the associated payment amount input by the second user to obtain the frozen fund;

3) and freezing a record of the new fund accruing in the escrow account, and sending an associated payment opening notice carrying the associated payment voucher to the first user.

The trustee refers to a sub-account with an independent account in the fund account, the fund transferred or recharged by the second user aiming at the associated payment voucher is stored in the fund account and is in a frozen state, and the second user can maintain the transferred or recharged associated payment fund through the trustee, so that more convenient and faster financial access is provided for the second user.

As described above, the specific authorization manner is a signing agreement manner, the authorized user authorizes the authorized user by signing the associated payment agreement, and specifically, before establishing the associated payment relationship between the second user and the first user and generating the associated payment credential of the associated payment relationship, the associated payment agreement is issued to the second user according to the provisioning request submitted by the second user; and after the signed instruction of the second user is detected, the associated payment agreement is validated.

In practical application, in order to further improve the security of associated payment and also to improve the payment diversity of associated payment, in an optional implementation manner provided in this embodiment, an interface for configuring the payment type and payment amount of the associated payment credential is opened to the second user, and specifically, in the configuration process, channel configuration update is performed on the associated payment credential according to the quota configuration information submitted by the second user on the configuration page of the associated payment credential; and/or updating the payment type configuration of the associated payment voucher according to the payment type configuration information submitted by the second user on the configuration page of the associated payment voucher.

For example, the user a and the family user B open an intimacy payment relationship, and the purpose of presenting the intimacy payment certificate to the family user B is to provide wages for the family user B to purchase learning supplies such as books and stationery, so that the payment type of the presented intimacy payment certificate can be configured as a learning supply type, that is: the given family user B can only use the familiarity payment certificate to carry out payment processing on the payment order of the learning user type.

In this embodiment, a premise of generating a payment application for a second user is that a first user selects a payment channel corresponding to an associated payment credential to pay, and based on this, before generating a payment application for a second user opening the associated payment credential according to a payment instruction submitted by the first user for a payment channel corresponding to the associated payment credential, a payment channel of the first user is queried from a cashier platform according to a payment request submitted by the first user for the payment order; issuing a payment channel list consisting of the inquired payment channels to the first user; and the payment channel list comprises the payment channel corresponding to the associated payment certificate. The payment channels include, and are not limited to: the payment method comprises a bank card payment channel, a credit payment channel, a payment platform-based fund account payment channel and a payment channel corresponding to the associated payment certificate.

In specific implementation, in order to improve the payment efficiency, improve the payment success rate, and meanwhile, in order to restrict that the associated payment fund provided based on the payment channel corresponding to the associated payment credential can be reasonably used, in an optional implementation manner provided in this embodiment, in a process of generating a payment application of a second user opening the associated payment credential according to the payment instruction, the method specifically includes:

reading the payment type configuration of the payment channel according to the payment instruction;

detecting whether the payment type of the payment order is matched with the payment type configuration;

if so, comparing the payment amount of the payment order with the fund amount of the frozen fund in the fund account; if the payment amount is less than or equal to the fund amount, generating the payment application; if the payment amount is larger than the fund amount, generating a reminder of the excess payment amount and sending the reminder to the first user;

and if not, generating a prompt of failure in payment type matching and sending the prompt to the first user.

Further, in order to ensure the fund security of the associated payment fund provided by the payment channel corresponding to the associated payment certificate and avoid the fund of the second user from being used under the condition of not authorizing, the detection of the signing of the associated payment agreement can be added in the process of generating the payment application of the second user opening the associated payment certificate according to the payment instruction, the detection of whether the associated payment agreement of the associated payment certificate is signed is detected, and if so, the detection of the payment type configuration and the fund amount is continued; and if not, generating a reminder that the associated payment agreement is not signed and sending the reminder to the second user and/or the first user.

In addition, in a case that the second user does not perform payment type configuration, in an optional implementation manner provided by this embodiment, in a process of generating a payment application of the second user that opens the associated payment credential according to the payment instruction, first, based on the payment instruction, it is detected whether an associated payment agreement of the associated payment credential is signed; if the payment order is signed, comparing the payment amount of the payment order with the fund amount of the frozen fund in the fund account; if the payment amount is less than or equal to the fund amount, generating the payment application; if the payment amount is larger than the fund amount, generating a reminder of the excess payment amount and sending the reminder to the first user; and if not, generating a reminder that the associated payment agreement is not signed and sending the reminder to the second user and/or the first user.

And step S104, based on the payment application, unfreezing the frozen fund in the fund account bound by the associated payment certificate.

The fund account bound by the associated payment voucher refers to an account for actually storing funds transferred or replenished to the associated payment voucher by the second user, and the funds transferred to the fund account by the second user for the associated payment voucher are blocked. The escrow account of the associated payment credentials refers to a sub-account whose accounting is independent of the fund account, such as a sub-account with an independent accounting in the fund account, through which the accounting of the blocked funds stored in the fund account can be managed and maintained.

As described above, the funds transferred to the fund account by the second user for the associated payment credentials are in a frozen state, and therefore, in the process of paying the payment order of the first user by using the frozen funds in the fund account, the frozen funds need to be frozen first, and in a specific thawing process, in an optional implementation manner provided by this embodiment, the frozen funds corresponding to the payment amount in the fund account are thawed according to the payment amount included in the payment application, and the thawed funds are obtained.

And step S106, carrying out payment processing of the payment order of the first user according to the defrosted fund.

On the basis of unfreezing frozen funds in the fund account according to the payment amount to obtain unfrozen funds, payment processing is performed on the payment order of the first user by using the unfrozen funds obtained after unfreezing, specifically, payment processing is performed on the payment order of the first user according to the unfrozen funds obtained after unfreezing, and the funds obtained after payment processing are transferred to a seller money receiving account recorded in the payment order.

Step S108, adding a payment deduction record in the escrow account of the associated payment voucher, and updating the amount of the remaining blocked funds in the fund account.

After the fund thawing and the order payment processing are completed, a payment deduction record for deducting the payment order is newly added in the escrow account of the associated payment voucher, so that a second user can conveniently check the record of the first user for performing the associated payment by using the associated payment voucher through the escrow account; meanwhile, for the frozen funds in the fund account, as part or all of the frozen funds perform payment processing on the payment order of the first user after being thawed, the amount of the frozen funds in the fund account after the payment substitution is reduced, and therefore the amount of the frozen funds remaining in the fund account after the payment processing needs to be updated.

In this embodiment, after the second user opens the associated payment credential, the second user charges the associated payment credential or the transferred fund is frozen, the second user cannot immediately use the frozen fund, in this case, in order to meet the demand of the second user for paying the part of the fund under insufficient fund or other conditions, the second user proposes a reduction process on the frozen fund of the associated payment credential in the fund account, and the defrosted fund can be used for paying the fund in the reduction process, in an optional implementation manner provided in this embodiment, in the reduction process, the second user is first subjected to core processing and risk detection according to a fund processing request submitted by the second user; then after the core-body processing and the risk detection are passed, unfreezing the frozen fund in the fund account according to the fund amount contained in the fund processing request; and finally, unfreezing the new fund added in the escrow account, and updating the fund amount of the remaining frozen fund in the fund account.

On the contrary, if the second user wants to perform fund recharging or transferring on the associated payment voucher again after opening the associated payment voucher, the method can be implemented in the following manner: firstly, acquiring a fund transfer request submitted by the second user aiming at the associated payment certificate; then according to the fund transfer amount contained in the fund transfer request, freezing the fund corresponding to the fund transfer amount in the fund account as a frozen fund; and finally, freezing records of the new fund added in the escrow account, and updating the fund amount of the frozen fund in the fund account.

In addition, when the amount of the associated payment credential is exhausted or the second user is faced with other situations and wants to end the associated payment relationship with the first user, the second user may cancel the associated payment relationship by deregistering the associated payment credential, which in an optional implementation manner provided by this embodiment, the deregistration processing of the associated payment credential specifically includes:

according to a certificate logout request submitted by the second user, performing core processing and risk detection on the second user;

unfreezing all frozen funds in the fund account after the nuclear body processing and the risk detection pass;

logging off the escrow account and performing a settlement process on the associated payment agreement signed by the second user.

The following further describes the associated payment processing method provided in this embodiment by taking an application of the associated payment processing method provided in this embodiment to an online payment scenario as an example, referring to fig. 2, the associated payment processing method applied to the online payment scenario specifically includes steps S202 to S216.

Step S202, according to a payment request submitted by a payment user for a payment order, a payment channel of the payment user is inquired from a cash register platform.

And step S204, issuing a payment channel list consisting of the inquired payment channels to the payment user.

And the payment channel list comprises payment channels corresponding to the associated payment certificates.

Step S206, reading the payment type configuration of the payment channel according to the payment instruction submitted by the payment user aiming at the payment channel corresponding to the associated payment certificate.

The associated payment voucher is issued after the authorized user opens an associated payment relation with the payment user and opens the escrow account in the fund account of the authorized user.

Step S208, detecting whether the payment type of the payment order is matched with the payment type configuration;

if yes, go to step S210;

and if not, generating a prompt of failure in payment type matching and sending the prompt to the payment user.

In step S210, in case the payment amount of the payment order is less than or equal to the fund amount of the frozen fund in the fund account, a related payment application for the authorized user is generated.

Step S212, according to the payment amount contained in the associated payment application, unfreezing the frozen fund corresponding to the payment amount in the fund account to obtain unfrozen fund.

Step S214, payment processing of the payment order is carried out according to the defrosted fund.

Step S216, newly adding a payment deduction record in the escrow account, and updating the fund amount of the remaining frozen fund in the fund account.

Another associated payment processing method embodiment provided in this specification:

referring to fig. 3, it shows a processing flow chart of an associated payment processing method provided in this embodiment, and specifically includes step S302 to step S308.

Step S302, issuing a related payment protocol to the second user according to the obtained opening request of the related payment relationship.

Optionally, the request for opening the associated payment relationship includes: and the second user gives a giving request of the associated payment certificate to the first user, and the first user invites the second user to carry out an invitation request of establishing the associated payment relationship.

Step S304, after the associated payment agreement is signed, opening an associated payment certificate and creating a managed account.

The creating of the escrow account includes: creating a trusted tubular account in the funding account of the second user as the hosted account, and establishing a binding relationship with the trusted tubular account and the associated payment credentials.

The trustee refers to a sub-account with an independent account in the fund account, the fund transferred or replenished by the second user aiming at the associated payment voucher is stored in the fund account and is in a frozen state, and the account of the frozen fund stored in the fund account can be managed and maintained through the trustee.

Step S306, the fund recharging processing is carried out on the associated payment voucher, and the recharging fund is frozen.

And in specific implementation, the fund recharging processing is carried out on the associated payment voucher, namely, according to the fund transfer amount selected by the second user and the payment channel for fund transfer, deduction is carried out from the selected payment channel according to the fund transfer amount, and funds obtained by deduction are transferred into a fund account bound by the associated payment voucher to be frozen.

Step S308, a new fund accruing freeze record is recorded in the escrow account, and an associated payment opening notice is sent to the first user.

In this embodiment, after the second user opens the associated payment credential, the second user charges the associated payment credential or the transferred fund is frozen, the second user cannot immediately use the part of the frozen fund, in this case, in order to meet the demand of the second user for paying the part of the fund under insufficient fund or other conditions, the second user proposes a reduction process for the frozen fund of the associated payment credential in the fund account, and the fund unfrozen in the reduction process can be used for paying, in an optional implementation manner provided in this embodiment, the reduction process is specifically performed in the following manner:

1) performing core processing and risk detection on the second user according to a fund processing request submitted by the second user;

2) after the core-body processing and the risk detection are passed, according to the fund amount contained in the fund processing request, unfreezing the frozen fund in the fund account bound by the associated payment certificate;

3) and unfreezing the new fund added in the escrow account, and updating the fund amount of the remaining frozen fund in the fund account.

On the contrary, if the second user wants to perform fund recharging or transferring on the associated payment voucher again after opening the associated payment voucher, the method can be implemented in the following manner:

1) according to a certificate logout request submitted by the second user, performing core processing and risk detection on the second user;

2) unfreezing all frozen funds in the fund account after the nuclear body processing and the risk detection pass;

3) logging off the escrow account, and carrying out settlement processing on the associated payment protocol.

acquiring a fund transfer request submitted by the second user for the associated payment certificate;

deducting money according to the fund transfer amount and a payment channel contained in the fund transfer request, transferring the deducted money into a fund account bound by the associated payment voucher and freezing the deducted money;

and freezing records of the new fund added in the escrow account, and updating the fund amount of the frozen fund in the fund account.

An embodiment of an associated payment processing apparatus provided in this specification is as follows:

in the above embodiments, an associated payment processing method is provided, and accordingly, an associated payment processing apparatus is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 4, a schematic diagram of an associated payment processing apparatus provided in the present embodiment is shown.

Since the device embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions may refer to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides an associated payment processing apparatus, including:

a payment application generation module 402, configured to generate a payment application for a second user associated with an associated payment credential according to a payment instruction submitted by a first user for a payment channel corresponding to the associated payment credential;

a fund unfreezing module 404 configured to unfreeze frozen funds in the fund account bound by the associated payment credentials based on the payment application;

a payment processing module 406 configured to perform payment processing of the first user's payment order based on the defrosted funds;

an account maintenance module 408 configured to add a new payment deduction record in the escrow account of the associated payment credentials and update the amount of funds remaining in the funds account with the blocked funds.

Optionally, the associated payment processing apparatus further includes:

a payment channel query module configured to query a payment channel of the first user from a cash register platform according to a payment request submitted by the first user for the payment order;

the payment channel list issuing module is configured to issue a payment channel list consisting of the inquired payment channels to the first user; and the payment channel list comprises the payment channel corresponding to the associated payment certificate.

Optionally, the payment application generating module 402 is specifically configured to:

if so, comparing the payment amount of the payment order with the fund amount of the frozen fund in the fund account;

and if the payment amount is less than or equal to the fund amount, generating the payment application.

Optionally, the fund unfreezing module 404 is specifically configured to unfreeze the frozen fund corresponding to the payment amount in the fund account according to the payment amount included in the payment application, so as to obtain the unfrozen fund.

Optionally, the associated payment credential is issued after the second user opens the associated payment relationship with the first user and opens the escrow account in the fund account;

wherein associating the payment relationship comprises: and the second user gives the first user the associated payment relationship established with the first user and established with the associated payment certificate, and responds to the invitation of the first user to establish the associated payment relationship with the first user.

Optionally, the associated payment processing apparatus further includes:

the first body checking detection module is configured to perform body checking processing and risk detection on the second user according to a fund processing request submitted by the second user;

the first unfreezing module is configured to unfreeze frozen funds in the fund account according to the fund amount contained in the fund processing request after the core-body processing and the risk detection are passed;

and the first unfreezing record adding module is configured to add new fund unfreezing records in the escrow account and update the fund amount of the remaining frozen fund in the fund account.

Optionally, the associated payment processing apparatus further includes:

the second core detection module is configured to perform core processing and risk detection on the second user according to a credential logout request submitted by the second user;

a second unfreezing module configured to unfreeze all frozen funds in the fund account after the nuclear body processing and the risk detection pass;

a settlement processing module configured to log off the escrow account and perform settlement processing on the associated payment agreement signed by the second user.

Optionally, the associated payment credential is opened by operating the following modules:

a escrow account creation module configured to open an associated payment credential of the associated payment relationship and create an escrow account in the funding account as an escrow account for the associated payment credential;

the fund freezing module is configured to freeze the fund in the fund account according to the associated payment amount input by the second user to obtain the frozen fund;

and the opening notification issuing module is configured to add a fund frozen record in the escrow account and send an associated payment opening notification carrying the associated payment certificate to the first user.

Optionally, the associated payment processing apparatus further includes:

the channel configuration updating module is configured to update the channel configuration of the associated payment certificate according to quota configuration information submitted by the second user on the configuration page of the associated payment certificate;

and the type configuration updating module is configured to update the payment type configuration of the associated payment certificate according to the payment type configuration information submitted by the second user on the configuration page of the associated payment certificate.

Another associated payment processing apparatus embodiment provided in this specification is as follows:

Referring to fig. 7, a schematic diagram of an associated payment processing apparatus provided in the present embodiment is shown.

the protocol issuing module 502 is configured to issue an associated payment protocol to the second user according to the obtained opening request of the associated payment relationship;

a escrow account provisioning module 504 configured to provision an associated payment credential and create an escrow account after the associated payment agreement is signed;

a fund recharge freeze module 506 configured to perform fund recharge processing on the associated payment credentials and freeze recharge funds;

a fund record maintenance module 508 configured to freeze a record of the new fund accrued in the escrow account and send an associated payment opening notification to the first user.

Optionally, the associated payment processing apparatus further includes:

the first unfreezing module is configured to unfreeze frozen funds in the fund account bound by the associated payment certificate according to the fund amount contained in the fund processing request after the core-body processing and the risk detection are passed;

Optionally, the associated payment processing apparatus further includes:

a settlement processing module configured to log out the escrow account and perform settlement processing on the associated payment protocol.

Optionally, the associated payment processing apparatus further includes:

a fund transfer request acquisition module configured to acquire a fund transfer request submitted by the second user for the associated payment credential;

the deduction freezing module is configured to deduct money according to the fund transfer amount and the payment channel contained in the fund transfer request, transfer the deduction fund into the fund account bound by the associated payment certificate and freeze the deduction fund;

and the frozen record updating module is configured to freeze a record of the new fund added in the escrow account and update the fund amount of the frozen fund in the fund account.

Optionally, the associated payment processing apparatus further includes:

corresponding to the above-described associated payment processing method, based on the same technical concept, one or more embodiments of the present specification further provide an associated payment processing apparatus, where the associated payment processing apparatus is configured to execute the above-described associated payment processing method, and fig. 6 is a schematic structural diagram of the associated payment processing apparatus provided in one or more embodiments of the present specification.

The embodiment provides an associated payment processing device, which comprises:

as shown in fig. 6, the associated payment processing apparatus may have a relatively large difference due to different configurations or performances, and may include one or more processors 601 and a memory 602, where one or more stored applications or data may be stored in the memory 602. Wherein the memory 602 may be transient or persistent storage. The application program stored in memory 602 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in an associated payment processing device. Still further, processor 601 may be disposed in communication with memory 602 to execute a series of computer-executable instructions in memory 602 on an associated payment processing device. The associated payment processing apparatus may also include one or more power supplies 603, one or more wired or wireless network interfaces 604, one or more input-output interfaces 605, one or more keyboards 606, and the like.

In a particular embodiment, the associated payment processing apparatus comprises a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may comprise one or more modules, and each module may comprise a series of computer-executable instructions for the associated payment processing apparatus, and the one or more programs configured to be executed by the one or more processors comprise computer-executable instructions for:

generating a payment application for a second user associated with the associated payment certificate according to a payment instruction submitted by a first user for a payment channel corresponding to the associated payment certificate;

unfreezing frozen funds in the fund account bound by the associated payment credentials based on the payment application;

performing payment processing of the payment order of the first user according to the defrosted fund;

and newly adding a payment deduction record in the escrow account of the associated payment voucher, and updating the fund amount of the remaining blocked fund in the fund account.

Optionally, before the generating, according to the payment instruction submitted by the first user for the payment channel corresponding to the associated payment credential, a payment application instruction for the second user associated with the associated payment credential is executed, the method further includes:

inquiring a payment channel of the first user from a cash register platform according to a payment request submitted by the first user for the payment order;

issuing a payment channel list consisting of the inquired payment channels to the first user; and the payment channel list comprises the payment channel corresponding to the associated payment certificate.

Optionally, the generating, according to a payment instruction submitted by the first user to the payment channel corresponding to the associated payment credential, a payment application for the second user associated with the associated payment credential includes:

detecting whether an associated payment agreement of the associated payment credential is signed based on the payment instruction;

Optionally, the defreezing the frozen funds in the fund account bound by the associated payment credential based on the payment application includes:

and unfreezing the frozen fund corresponding to the payment amount in the fund account according to the payment amount contained in the payment application to obtain the unfrozen fund.

Optionally, the computer executable instructions, when executed, further comprise:

performing core processing and risk detection on the second user according to a fund processing request submitted by the second user;

after the core-body processing and the risk detection are passed, unfreezing the frozen funds in the fund account according to the fund amount contained in the fund processing request;

and unfreezing the new fund added in the escrow account, and updating the fund amount of the remaining frozen fund in the fund account.

freezing funds corresponding to the fund transfer amount in the fund account as frozen funds according to the fund transfer amount contained in the fund transfer request;

Optionally, the associated payment credential is opened in the following manner:

opening the associated payment voucher of the associated payment relationship, and creating a trustee account in the fund account as a trustee account of the associated payment voucher;

freezing the fund in the fund account according to the associated payment amount input by the second user to obtain the frozen fund;

and freezing a record of the new fund accruing in the escrow account, and sending an associated payment opening notice carrying the associated payment voucher to the first user.

Optionally, before the establishing the associated payment relationship between the second user and the first user and generating the associated payment credential instruction of the associated payment relationship, the method further includes:

issuing a related payment protocol to the second user according to the opening request submitted by the second user;

and after the signed instruction of the second user is detected, the associated payment agreement is validated.

channel configuration updating is carried out on the associated payment voucher according to quota configuration information submitted by the second user on a configuration page of the associated payment voucher;

and/or the presence of a gas in the gas,

updating the payment type configuration of the associated payment voucher according to the payment type configuration information submitted by the second user on the configuration page of the associated payment voucher.

corresponding to the above-described associated payment processing method, based on the same technical concept, one or more embodiments of the present specification further provide an associated payment processing apparatus, where the associated payment processing apparatus is configured to execute the above-described associated payment processing method, and fig. 7 is a schematic structural diagram of the associated payment processing apparatus provided in one or more embodiments of the present specification.

as shown in fig. 7, the associated payment processing apparatus may have a relatively large difference due to different configurations or performances, and may include one or more processors 701 and a memory 702, where one or more stored applications or data may be stored in the memory 702. Memory 702 may be, among other things, transient storage or persistent storage. The application program stored in memory 702 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in an associated payment processing device. Still further, the processor 701 may be configured to communicate with the memory 702 to execute a series of computer-executable instructions in the memory 702 on an associated payment processing device. The associated payment processing apparatus may also include one or more power supplies 703, one or more wired or wireless network interfaces 704, one or more input-output interfaces 705, one or more keyboards 706, and the like.

issuing a related payment protocol to a second user according to the obtained opening request of the related payment relationship;

after the associated payment agreement is signed, opening an associated payment certificate and creating a escrow account;

carrying out fund recharging processing on the associated payment voucher, and freezing the recharged fund;

and freezing records of the new fund accruing in the escrow account, and sending an associated payment opening notice to the first user.

Optionally, after the freezing record of the new fund accruing in the escrow account and the execution of the instruction of sending the associated payment opening notification to the first user, the method further includes:

after the core-body processing and the risk detection are passed, according to the fund amount contained in the fund processing request, unfreezing the frozen fund in the fund account bound by the associated payment certificate;

logging off the escrow account, and carrying out settlement processing on the associated payment protocol.

and/or the presence of a gas in the gas,

Optionally, the creating a managed account includes:

creating a trusted tubular account in the funding account of the second user as the hosted account, and establishing a binding relationship with the trusted tubular account and the associated payment credentials.

Optionally, the request for opening the associated payment relationship includes:

and the second user gives a giving request of the associated payment certificate to the first user, and the first user invites the second user to carry out an invitation request of establishing the associated payment relationship.

An embodiment of a storage medium provided in this specification is as follows:

on the basis of the same technical concept corresponding to the above-described associated payment processing method, one or more embodiments of the present specification further provide a storage medium.

The storage medium provided in this embodiment is used to store computer-executable instructions, and when executed, the computer-executable instructions implement the following processes:

Optionally, before the generating, according to the payment instruction submitted by the first user for the payment channel corresponding to the associated payment credential, a payment application process for the second user associated with the associated payment credential is executed, the computer-executable instruction further implements the following process when executed:

Optionally, the computer executable instructions, when executed, further implement the following process:

Optionally, before the step of establishing the associated payment relationship between the second user and the first user and generating the associated payment credential of the associated payment relationship, the method further includes:

and/or the presence of a gas in the gas,

It should be noted that the embodiment related to the storage medium in this specification and the embodiment related to the associated payment processing method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the foregoing corresponding method, and repeated details are not described here.

Another storage medium embodiment provided in this specification is as follows:

Optionally, after the new fund accruing frozen record in the escrow account and the associated payment opening notification sent to the first user are executed, the computer-executable instructions, when executed, further implement the following process:

and/or the presence of a gas in the gas,

Optionally, the creating a managed account includes:

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 30 s of the 20 th century, improvements in a technology could clearly be distinguished between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using 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, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, 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 for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, 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 divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.

One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more 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 description 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 description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. 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.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

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 computer storage media 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 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. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

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 an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

One or more embodiments of the present description 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. One or more embodiments of the specification 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.

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.

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. An associated payment processing method comprising:

2. The associated payment processing method of claim 1, before the step of generating a payment application for a second user associated with the associated payment credential according to a payment instruction submitted by a first user for a payment channel corresponding to the associated payment credential is executed, further comprising:

3. The associated payment processing method of claim 1, wherein generating a payment application for a second user associated with the associated payment credential according to a payment instruction submitted by a first user for a payment channel corresponding to the associated payment credential comprises:

4. The associated payment processing method of claim 1, wherein generating a payment application for a second user associated with the associated payment credential according to a payment instruction submitted by a first user for a payment channel corresponding to the associated payment credential comprises:

5. The associated payment processing method of claim 1, the defreezing of frozen funds in the funds account bound by the associated payment credentials based on the payment application, comprising:

6. The associated payment processing method of claim 1, the associated payment credentials issued after the second user opens an associated payment relationship with the first user and opens the escrow account in the funding account;

7. The associated payment processing method of claim 1, further comprising:

8. The associated payment processing method of claim 1, further comprising:

9. The associated payment processing method of claim 1, further comprising:

10. The associated payment processing method of claim 1, the associated payment credentials opened by:

11. The associated payment processing method of claim 10, further comprising, prior to the steps of establishing an associated payment relationship of the second user with the first user and generating associated payment credentials for the associated payment relationship:

12. The associated payment processing method of claim 10, further comprising:

and/or the presence of a gas in the gas,

13. An associated payment processing method comprising:

14. The associated payment processing method of claim 13, further comprising, after the step of freezing a record of the new fund in the escrow account and sending an associated payment on notification to the first user is performed:

15. The associated payment processing method of claim 13, further comprising, after the step of freezing a record of the new fund in the escrow account and sending an associated payment on notification to the first user is performed:

16. The associated payment processing method of claim 13, further comprising, after the step of freezing a record of the new fund in the escrow account and sending an associated payment on notification to the first user is performed:

17. The associated payment processing method of claim 13, further comprising:

and/or the presence of a gas in the gas,

18. The associated payment processing method of claim 13, the creating an escrow account, comprising:

19. The associated payment processing method of claim 15, the clearing request of the associated payment relationship comprising:

20. An associated payment processing apparatus comprising:

the payment application generation module is configured to generate a payment application for a second user associated with the associated payment certificate according to a payment instruction submitted by a first user for a payment channel corresponding to the associated payment certificate;

a fund unfreezing module configured to unfreeze frozen funds in a fund account bound by the associated payment credentials based on the payment application;

a payment processing module configured to perform payment processing of the first user's payment order based on the defrosted funds;

and the account maintenance module is configured to add a payment deduction record in the escrow account of the associated payment certificate and update the fund amount of the remaining blocked fund in the fund account.

21. An associated payment processing apparatus comprising:

the protocol issuing module is configured to issue the associated payment protocol to the second user according to the obtained opening request of the associated payment relationship;

a escrow account provisioning module configured to provision an associated payment credential and create an escrow account after the associated payment agreement is signed;

a fund recharge freezing module configured to perform fund recharge processing on the associated payment voucher and freeze recharge funds;

a fund record maintenance module configured to freeze a record of new funding funds in the escrow account and send an associated payment opening notification to the first user.

22. An associated payment processing apparatus comprising:

a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to:

23. An associated payment processing apparatus comprising:

24. A storage medium storing computer-executable instructions that when executed implement the following:

25. A storage medium storing computer-executable instructions that when executed implement the following: