CN113419793A

CN113419793A - Payment processing method and device

Info

Publication number: CN113419793A
Application number: CN202110742034.8A
Authority: CN
Inventors: 孔玥; 施春艳
Original assignee: Ant Zhixin Hangzhou Information Technology Co ltd
Current assignee: Ant Zhixin Hangzhou Information Technology Co ltd
Priority date: 2021-06-30
Filing date: 2021-06-30
Publication date: 2021-09-21
Anticipated expiration: 2041-06-30
Also published as: CN113419793B

Abstract

The embodiment of the specification provides a payment processing method and a payment processing device, wherein the payment processing method comprises the following steps: based on interface calling initiated by a third-party platform, carrying out available verification on a first staged payment channel opened by a user on the service platform; returning a first verification result carrying the staging configuration parameters of the first staging payment channel under the condition that the available verification passes so as to respond to the interface call; and if receiving a staging payment request of the first staging payment channel in the staging channel combination sent by the third-party platform, performing staging payment processing on the user order based on the first staging payment channel.

Description

Payment processing method and device

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a payment processing method and apparatus.

Background

With the continuous development of online transactions, more and more people choose to carry out online shopping on an electronic transaction platform, products related to transactions are more and more abundant, and related amounts are more and more large, for the electronic transaction platform which provides transaction matching for merchants and users, the willingness of the users to participate in the transactions is improved by providing a staged payment mode of transaction products, and a certain amount for staging is distributed to the users by introducing a credit system, but under the condition of larger transaction amounts, the amount distributed to the users often cannot meet the requirements of the users, and further the willingness of the users to participate in the transactions is reduced.

Disclosure of Invention

One or more embodiments of the present specification provide a payment processing method, applied to a service platform, including: and carrying out available verification on a first installments payment channel opened by the user on the service platform based on interface calling initiated by a third-party platform. And returning a first verification result carrying the staging configuration parameters of the first staging payment channel under the condition that the available verification passes so as to respond to the interface call. And if receiving a staging payment request of the first staging payment channel in the staging channel combination sent by the third-party platform, performing staging payment processing on the user order based on the first staging payment channel.

One or more embodiments of the present specification provide another payment processing method, applied to a third party platform, including: and initiating the call of the service interface of the service platform according to the installments payment request of the user. And acquiring a first check result of the first installment payment channel opened by the service platform by the user and returned by calling of an interface, and a second check result of at least one second installment payment channel bound by the third-party platform. And rendering and displaying the staged channel combination based on the staged configuration parameters carried in the first check result and the second check result. And carrying out stage payment processing according to the target stage payment channel selected by the user in the stage channel combination.

One or more embodiments of the present specification provide a payment processing apparatus, operating on a service platform, including: and the available checking module is configured to perform available checking on a first staged payment channel opened by the user on the service platform based on interface calling initiated by a third-party platform. And the verification result returning module is configured to return a first verification result carrying the staging configuration parameters of the first staging payment channel under the condition that the available verification passes so as to respond to the interface call. And the staging payment processing module is configured to perform staging payment processing on the user order based on the first staging payment channel if a staging payment request of the first staging payment channel in the staging channel combination sent by the third-party platform is received.

One or more embodiments of the present specification provide another payment processing apparatus, operating on a third party platform, comprising: and the service interface calling module is configured to initiate calling of the service interface of the service platform according to the staged payment request of the user. And the verification result acquisition module is configured to acquire a first verification result of the first installment payment channel opened by the service platform by the user and a second verification result of at least one second installment payment channel bound by the third-party platform, wherein the first verification result is returned by calling of an interface. And the staging channel combination rendering module is configured to render and display the staging channel combination based on staging configuration parameters carried in the first check result and the second check result. And the staging payment processing module is configured to perform staging payment processing according to a target staging payment channel selected by the user in the staging channel combination.

One or more embodiments of the present specification provide a payment processing apparatus comprising: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and carrying out available verification on a first installments payment channel opened by the user on the service platform based on interface calling initiated by the third-party platform. And returning a first verification result carrying the staging configuration parameters of the first staging payment channel under the condition that the available verification passes so as to respond to the interface call. And if receiving a staging payment request of the first staging payment channel in the staging channel combination sent by the third-party platform, performing staging payment processing on the user order based on the first staging payment channel.

One or more embodiments of the present specification provide another payment processing apparatus, including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and initiating the call of the service interface of the service platform according to the installments payment request of the user. And acquiring a first verification result of a first installment payment channel opened by the service platform by the user and returned by interface calling and a second verification result of at least one second installment payment channel bound by a third party platform. And rendering and displaying the staged channel combination based on the staged configuration parameters carried in the first check result and the second check result. And carrying out stage payment processing according to the target stage payment channel selected by the user in the stage channel combination.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following: and carrying out available verification on a first installments payment channel opened by the user on the service platform based on interface calling initiated by the third-party platform. And returning a first verification result carrying the staging configuration parameters of the first staging payment channel under the condition that the available verification passes so as to respond to the interface call. And if receiving a staging payment request of the first staging payment channel in the staging channel combination sent by the third-party platform, performing staging payment processing on the user order based on the first staging payment channel.

One or more embodiments of the present specification provide another storage medium storing computer-executable instructions that, when executed, implement the following: and initiating the call of the service interface of the service platform according to the installments payment request of the user. And acquiring a first verification result of a first installment payment channel opened by the service platform by the user and returned by interface calling and a second verification result of at least one second installment payment channel bound by a third party platform. And rendering and displaying the staged channel combination based on the staged configuration parameters carried in the first check result and the second check result. And carrying out stage payment processing according to the target stage payment channel selected by the user in the stage channel combination.

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 a payment processing method according to one or more embodiments of the present disclosure;

FIG. 2 is a process flow diagram of a payment processing method applied to an installment scenario provided in one or more embodiments of the present specification;

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

FIG. 4 is a process flow diagram of another payment processing method applied to an installment payment scenario provided by one or more embodiments of the present specification;

FIG. 5 is a schematic diagram of a payment processing apparatus according to one or more embodiments of the present disclosure;

FIG. 6 is a schematic view of another payment processing apparatus provided in one or more embodiments of the present disclosure;

fig. 7 is a schematic structural diagram of a payment processing apparatus according to one or more embodiments of the present disclosure;

fig. 8 is a schematic structural diagram of another 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 payment processing method provided in this specification:

referring to fig. 1, which shows a processing flow chart of a payment processing method provided by the present embodiment, and referring to fig. 2, which shows a processing flow chart of a payment processing method applied to an installment payment scenario provided by the present embodiment.

Referring to fig. 1, the payment processing method provided in this embodiment is applied to a service platform, and specifically includes steps S102 to S106.

And step S102, carrying out available verification on a first stage payment channel which is opened by a user on the service platform based on interface calling initiated by a third-party platform.

According to the payment processing method provided by the embodiment, the staging capacity of the staging channel combination provided by the service platform is extended to the third-party platform, the staging capacity of the staging channel combination provided by the service platform is called by the third-party platform through an interface calling mode, the staging payment channel provided by the service platform and the staging payment channel of the third-party platform are brought into the staging channel combination, a user can select any one of the staging payment channels in the staging channel combination to carry out staging payment on a user order, the application range of the staging payment in different scenes is expanded, and the coverage of the staging capacity of the service platform on different platforms is enhanced.

The third-party platform in this embodiment refers to a transaction processing platform that is located in an independent third party with respect to the service platform, and the third-party platform includes a transaction clearing platform, such as a union pay platform. The first staged payment channel comprises a credit line-based provided credit staged payment channel; the credit line is a resource usage line which is credited to the user within a specified time limit according to factors such as credit information of the user, various asset values and the like, and the user has the right to dominate the resource corresponding to the usage line within the specified time limit. For the resources corresponding to the credit line, the user has the right to draw or use the resources, but after using the resources corresponding to the credit line, the used resources need to be returned within the appointed time limit.

Specifically, in the process of carrying out the installment payment processing by the user through an installment payment channel based on the credit line, the amount part corresponding to the installment payment in the credit line of the user is frozen according to the total amount paid in the installment payment, and the fund is paid to the merchant corresponding to the user order by the payoff mechanism of the credit line at one time according to the total amount paid in the installment payment, and the subsequent process of paying in the installment by the user is substantially the process of carrying out installment fund repayment to the payoff mechanism of the credit line, and the corresponding amount in the frozen amount part of the user is unfrozen when the installment amount is not repayed.

In a specific implementation, the interface call initiated by the third party platform specifically refers to a call initiated by the third party platform for a service interface provided by the service platform, and after receiving the call to the service interface by the third party, the service platform performs available verification on a first installment payment channel opened by the service platform by a user, in an optional implementation manner provided in this embodiment, the available verification is performed on the first installment payment channel specifically by adopting the following manner:

judging whether the user signs the staging protocol of the first staging payment channel on the third-party platform;

if the staging protocol of the first staging payment channel is not signed, determining that a first verification result of available verification of the first staging payment channel is an available verification failure, and returning the first verification result of the available verification failure to a third-party platform;

if the stage agreement of the first stage payment channel is signed, judging whether a merchant corresponding to the user order signs an order receiving agreement;

if the merchant corresponding to the user order is not signed, whether a receipt agreement is signed or not is judged, a first verification result of the first staged payment channel for available verification is determined to be an available verification failure, and the first verification result of the available verification failure is returned to a third-party platform;

if the merchant corresponding to the signed user order signs a receipt agreement, detecting whether the user order meets the admission condition of the first staged payment channel;

if yes, inquiring staging configuration parameters of the first staging payment channel;

if not, determining that the first verification result of the available verification of the first staged payment channel is an available verification failure, and returning the first verification result of the available verification failure to the third-party platform.

It should be noted that, in practice, the mechanism or platform main body that performs data docking with the union pay platform in the transaction process is often limited to the mechanism or platform main body that opens corresponding qualification for the union pay platform, and in practice, many mechanisms or platform main bodies are limited to the mechanism or platform main body that does not have qualification and cannot perform data docking with the union pay platform, for this, in this embodiment, by introducing another platform that performs data docking with the union pay platform, data interaction between the mechanism or platform main body and the union pay platform is realized through the transfer of another platform, if the service platform provided by this embodiment does not have qualification of performing data docking with the union pay platform, optionally, a third party platform initiates interface invocation of a service interface of the service platform through a host platform of the service platform; correspondingly, the first verification result is submitted to the host platform by the service platform and returned to the third-party platform by the host platform.

From the perspective of the third-party platform, the purpose of calling the service interface provided by the service platform is to perform available verification on the first installment payment channel provided by the service platform and at least one second installment payment channel bound by the user in the third party, so that an installment channel combination is constructed by using the installment payment channels passed by the available verification and provided to the user, so that the user can select any one installment payment channel among the installment channel combinations to perform installment payment processing on the user order.

The second installment payment channel includes a credit card installment payment channel, for example, one or more credit cards bound by the user on the unionpay platform may be used for installment payment of the order, and the payment channel corresponding to the credit card or the credit cards is the credit installment payment channel. The staging channel combination refers to a combination constructed by a plurality of staging payment channels of a user, the combination is provided for the user in an integral mode, the user can select any one of the staging payment channels to carry out staging payment processing on the user order, for example, the staging channel combination is composed of a credit granting staging payment channel of the user and at least one credit card staging payment channel.

Based on the above, besides the above-mentioned providing of the available verification processing of the first installment payment channel provided by the service platform, the third party platform calls the service interface through the host platform to perform available verification on at least one second installment payment channel of the user bound by the third party; in response to a call of a third party platform to a service interface provided by the service platform, the service interface performs available verification on at least one second installment payment channel of a user bound to the third party platform, in an optional implementation manner provided in this embodiment, taking any one of the at least one second installment payment channel as an example, an available verification process of the service interface for the second installment payment channel is described, which specifically includes:

judging whether the real payment amount of the user order is larger than or equal to the preset installment limit or not;

if so, detecting whether the order type corresponding to the user order is recorded in a limited transaction type list of the card issuing mechanism corresponding to the second payment channel;

if not, reading the staging configuration parameters of the second staging payment channel in the staging protocol signed by the third-party platform of the card issuing institution;

if the payment amount of the user order is smaller than the preset staging limit, determining that the second staging payment channel is an unavailable staging payment channel;

if the order type corresponding to the user order is recorded in the limited transaction type list of the card issuing institution corresponding to the second payment channel, it indicates that the current user order is the transaction type limited by the card issuing institution, and the user order cannot be paid by stages through the second payment channel.

And step S104, returning a first verification result carrying the staging configuration parameters of the first staging payment channel under the condition that the available verification passes so as to respond to the interface call.

After the first periodic payment channel opened by the user on the service platform is subjected to available verification in response to the interface call initiated by the third-party platform, a first verification result carrying the periodic configuration parameters of the first periodic payment channel is returned to the third-party platform under the condition that the available verification passes; and in the case that the available verification fails, returning a first verification result of the available verification failure of the first installment payment channel to the third party platform. On the other hand, the service interface provided by the service platform performs available verification on at least one second installment payment channel of the user bound by the third-party platform, and obtains a corresponding second verification result.

On the basis, after acquiring a first check result and a second check result, a third-party platform renders and displays the staging channel combination based on staging configuration parameters carried in the first check result and the second check result, so that a user can select any one of the staging channel combinations to perform staging payment processing on a user order.

Step S106, if receiving the stage payment request of the first stage payment channel in the stage channel combination sent by the third party platform, performing stage payment processing on the user order based on the first stage payment channel.

As described above, after obtaining the first check result and the second check result, the third-party platform performs rendering and display of the staging channel combination based on the staging configuration parameters carried in the first check result and the second check result, so that the user can select any one of the staging channel combinations to perform staging payment processing on the user order;

if the user selects the first installment payment channel in the installment channel combination to perform installment payment processing on the user order, and the installment payment processing for the user order is performed by the service platform, in an optional implementation manner provided in this embodiment, performing installment payment processing on the user's transaction order based on the first installment payment channel includes:

according to the staged payment request sent by the third-party platform through the host platform, creating a staged payment order corresponding to the user order;

and freezing the credit line corresponding to the first installment payment channel according to the real payment amount of the installment payment order, submitting clearing application data to the third party platform through the host platform, carrying out fund deduction from a payoff account of the credit line by the third party platform according to the real payment amount contained in the clearing application data, and transferring the fund obtained by deduction to a merchant account.

In addition, if the user selects a second staging payment channel in the staging channel combination as a target payment channel, performing staging payment processing on the transaction order of the user by the third-party platform based on the second staging payment channel;

optionally, the third party platform performs staged payment processing on the transaction order of the user based on the second staged payment channel, including:

creating a staged payment order corresponding to the user order;

and according to the payment amount of the staged payment order, carrying out fund deduction from the account of the card issuing institution corresponding to the second staged payment channel, and transferring the fund obtained by deduction into the account of the merchant.

It should be noted that, this embodiment relates to the installment payment processing of the user order provided above, and also relates to the expense settlement processing generated in the installment payment process, and in order to improve the efficiency and accuracy of expense settlement, the embodiment performs reconciliation on the reconciliation files generated by the service platform and the third party platform in the form of the reconciliation files, and further corrects the transaction data with reference to the reconciliation result, so as to ensure the accuracy and validity of the transaction data, in an optional implementation manner provided in this embodiment, the expense settlement processing is specifically performed in the following manner:

checking account files generated in a charge settlement period and account files generated by the third-party platform;

error processing is carried out on the account checking result, and the interest rate and the commission return rate are calculated according to the interest rate and the commission return rate recorded in the obtained transaction data to be cleared;

and creating a settlement list according to the total interest and the total commission return cost obtained by calculation and uploading the settlement list to the third party platform so that the third party platform carries out charge clearing processing according to the settlement list.

Optionally, the interest charges are provided to an issuer or a funding organization corresponding to a target staging payment channel selected by the user in the staging channel combination by a merchant corresponding to the user order. The merchant information is that after the user purchases goods or services from the merchant and carries out staging payment on the transaction order for purchasing the goods or services through a staging payment channel in the staging channel combination, staging cost or interest generated by staging is subsidized to the user by the merchant, namely: the merchant pays subsidized installments or interest to the financial institution providing the installments payment channel, and the merchant pays installments or interest to the financial institution is called interest charge.

The commission returning fee is provided to the third party platform or the service platform by the card issuing institution or the fund issuing institution corresponding to the target staging payment channel. The commission fee is the commission returned by the financial institution to the third party platform aiming at the drainage behavior of the third party platform or the commission returned to the service platform aiming at the staging capability of the staging channel combination provided by the service platform.

The following further describes the payment processing method provided in this embodiment by taking an application of the payment processing method provided in this embodiment in an installment payment scenario as an example, and referring to fig. 2, the payment processing method applied in the installment payment scenario specifically includes steps S202 to S210.

Step S202, based on the interface call initiated by the transaction clearing platform through the host platform of the service platform, the availability verification is carried out on the credit granting and staged payment channel opened by the user on the service platform.

The interface calling refers to that the transaction clearing platform initiates interface calling of a service interface of the service platform through the host platform, and in addition, the transaction clearing platform also carries out available verification on at least one credit card installments payment channel of the user bound by the transaction clearing platform through calling the service interface.

And step S204, returning a first verification result carrying the staging configuration parameters of the credit-granting staging payment channel under the condition that the available verification passes so as to respond to the interface call.

And step S206, receiving a stage payment request of the credit stage payment channel in the stage channel combination sent by the transaction clearing platform.

And step S208, creating a staged payment order corresponding to the user order according to the staged payment request.

And step S210, freezing the credit line corresponding to the credit installments payment channel according to the payment amount of the installments payment order, and submitting settlement application data to the transaction settlement platform through the host platform.

And after the clearing application data is submitted to the transaction clearing platform, the transaction clearing platform deducts funds from the financial institution account of the credit line according to the real payment amount contained in the clearing application data, and transfers the funds obtained by deduction to a merchant account corresponding to the user order.

Another payment processing method embodiment provided in this specification:

referring to fig. 3, which shows a processing flow chart of a payment processing method provided by the present embodiment, and referring to fig. 4, which shows a processing flow chart of a payment processing method applied to an installment payment scenario provided by the present embodiment.

Referring to fig. 3, the payment processing method provided in this embodiment is applied to a third party platform, and specifically includes steps S302 to S308.

Step S302, according to the staged payment request of the user, initiating the call of the service interface of the service platform.

According to the payment processing method provided by the embodiment, the staging capacity of the staging channel combination provided by the service platform is called from the third-party platform, so that the staging payment channel bound by the user on the third-party platform and the staging payment channel opened by the user on the service platform are brought into the staging channel combination through the staging capacity of the staging channel combination provided by the service platform, the user can select any one of the staging payment channels in the staging channel combination to carry out staging payment on the user order, more comprehensive staging payment experience is provided for the user, more organizations and merchants are attracted to join in a credit staging payment system, and the flow of the third-party platform is favorably promoted.

The third-party platform in this embodiment refers to a transaction processing platform that is located in an independent third party with respect to the service platform, and the third-party platform includes a transaction clearing platform, such as a union pay platform. In practice, a mechanism or a platform main body for data docking with a unionpay platform in a transaction process is often limited to a mechanism or a platform main body with corresponding qualification opened by the unionpay platform, and in practice, many mechanisms or platform main bodies are limited to mechanisms or platform main bodies without qualification and can not perform data docking with the unionpay platform, for this purpose, in this embodiment, another platform with data docking with the unionpay platform is introduced, data interaction between the mechanism or the platform main body and the unionpay platform is realized through transfer of the other platform, and if the service platform provided by this embodiment does not have the qualification of data docking with the unionpay platform, optionally, a third-party platform initiates interface calling of a service interface of the service platform through a host platform of the service platform; correspondingly, the first verification result returned by the subsequent service platform is submitted to the host platform by the service platform and returned to the third-party platform by the host platform.

In practical application, because the staging capability of the staging channel combination is provided by the service platform, and the payment initiated by the user for the user order is performed on the third-party platform, and meanwhile, because part of the staging payment channels provided by the staging channel combination are provided by the service platform, before initiating the call to the service interface of the service platform, the authorization processing of the user is required to be performed according to the staging payment request of the user, in an optional implementation manner provided by this embodiment, the authorization processing is performed in the following manner: judging whether the user authorizes the protocol of the staging channel combination; if yes, executing the request for payment by stages according to the user and initiating a calling step of a service interface of the service platform; and if not, signing the service agreement of the user authorized the staging channel combination.

Step S304, obtaining a first verification result of the first installment payment channel opened by the user on the service platform and a second verification result of at least one second installment payment channel bound by the third party platform, which are returned by interface call.

The first staged payment channel of the embodiment comprises a credit-based staged payment channel provided based on credit lines; the credit line is a resource usage line which is credited to the user within a specified time limit according to factors such as credit information of the user, various asset values and the like, and the user has the right to dominate the resource corresponding to the usage line within the specified time limit. For the resources corresponding to the credit line, the user has the right to draw or use the resources, but after using the resources corresponding to the credit line, the used resources need to be returned within the appointed time limit.

The second installment payment channel includes a credit card installment payment channel, for example, one or more credit cards bound by the user on the unionpay platform may be used for installment payment of the order, and the payment channel corresponding to the credit card or the credit cards is the credit installment payment channel.

In a specific implementation, the interface call initiated by the third party platform specifically refers to a call initiated by the third party platform for a service interface provided by the service platform, and after the service platform receives the call to the service interface by the third party, the service interface performs available verification on a first installment payment channel opened by the service platform by a user, in an optional implementation manner provided in this embodiment, the service interface performs available verification on the first installment payment channel in the following manner:

In addition to the above-mentioned providing of the available verification processing of the first installment payment channel provided by the service platform, the third party platform calls the service interface through the host platform to perform available verification on at least one second installment payment channel of the user bound by the third party; in response to a call of a third party platform to a service interface provided by the service platform, the service interface performs available verification on at least one second installment payment channel of a user bound to the third party platform, in an optional implementation manner provided in this embodiment, taking any one of the at least one second installment payment channel as an example, an available verification process of the service interface for the second installment payment channel is described, which specifically includes:

And step S306, based on the staging configuration parameters carried in the first check result and the second check result, rendering and displaying the staging channel combination.

In this embodiment, the rendering of the staged channel combination is performed based on the staged configuration parameters carried in the first check result and the second check result, and is also implemented based on the service interface provided by the service platform. In a specific implementation process, the service interface can perform rendering of the staged channel combination according to the staged configuration parameters carried in the first check result and the second check result, and the rendering result is returned as an interface calling result; or, the service interface may further perform rendering of the staging channel combination according to staging configuration parameters carried in the first check result and the second check result when detecting the first check result and the second check result.

In specific implementation, in the display process, the first installment payment channel and the at least one second installment payment channel in the installment channel combination display the installment information of the top installment payment channel ranked at the top in the installment channel combination by default, such as selectable installment number, installment amount per period, preferential interest information, and the like, and the top installment payment channel is selected by default, and the user can switch to other installment payment channels in the top installment payment channel by inputting an instruction.

And only displaying corresponding channel identification or channel keywords in other staging payment channels in the first staging payment channel in the staging channel combination. Optionally, when detecting that any one of the other installment channels is selected, namely: and after a channel switching instruction of switching the user from the first stage payment channel to any one of other stage payment channels is detected, displaying stage information of the stage payment channel selected by the channel switching instruction.

And step S308, carrying out stage payment processing according to the target stage payment channel selected by the user in the stage channel combination.

As described above, the installment channel combination is composed of the first installment channel and the at least one second installment channel, or composed of at least one second installment channel, or further composed of the first installment channel, according to the verification results of the first installment channel and the at least one second installment channel. Based on this, the target installment payment channel selected by the user in the installment channel combination is either the first installment payment channel or at least one second installment payment channel, and installment payment processing based on the first installment payment channel and installment payment processing based on the second installment payment channel are explained below, respectively.

In an optional implementation manner provided by this embodiment, the performing the installment payment processing according to the target installment channel selected by the user in the installment channel combination includes:

if the target staging channel selected by the user in the staging channel combination is the first staging payment channel, generating a staging payment request and sending the staging payment request to the service platform through a host platform;

and according to the real payment amount contained in the clearing application data submitted by the service platform through the host platform, carrying out fund deduction from the payoff account of the credit line, and transferring the fund obtained by deduction into the merchant account.

It should be noted that, when the user selects the first installment payment channel to perform installment payment processing on the user order, the third party platform is required to cooperate with the service platform to perform installment payment processing on the user order, and the service platform does not have the qualification of clearing processing, so the cost clearing of installment payment processing is performed through the first installment payment channel, and the third party platform is required to perform the clearing processing, specifically, the service platform performs the reconciliation processing on the reconciliation file generated in the cost settlement period and the reconciliation file generated by the third party platform; then, error processing is carried out on the account checking result, and the interest fee and the commission return fee are calculated according to the interest rate and the commission return rate recorded in the obtained transaction data to be cleared; and finally, creating a settlement list according to the total interest and the total commission return cost obtained by calculation and uploading the settlement list to the third-party platform so that the third-party platform carries out expense settlement processing according to the settlement list. Optionally, after receiving the statement uploaded by the service platform, the third party platform performs a fee clearing process according to the total fee of interest and the total fee of commission return recorded in the statement.

In another optional implementation manner provided by this embodiment, the performing the installment payment processing according to the target installment channel selected by the user in the installment channel combination includes:

if the target staging channel selected by the user in the staging channel combination is the second staging payment channel, creating a staging payment order corresponding to the user order;

The following further describes the payment processing method provided in this embodiment by taking an application of the payment processing method provided in this embodiment in an installment payment scenario as an example, and referring to fig. 4, the payment processing method applied in the installment payment scenario specifically includes steps S402 to S414.

Step S402, according to the staged payment request of the user, initiating the call of the service interface of the service platform through the host platform of the service platform.

Step S404, a first verification result of the credit granting and installment payment channel opened by the user on the service platform and a second verification result of at least one credit card installment payment channel bound by the user on the transaction clearing platform are obtained and returned by the interface call.

And step S406, rendering and displaying the staged channel combination based on the staged configuration parameters carried in the first check result and the second check result.

Step S408, if the user selects the credit granting staged payment channel in the staged channel combination to carry out staged payment, a staged payment request is generated and sent to the service platform through the host platform.

Step S410, according to the real payment amount contained in the clearing application data submitted by the service platform through the host platform, carrying out fund deduction from the credit line payment institution account, and transferring the fund obtained by deduction into the merchant account.

Step S412, if the user selects the credit card stage payment channel in the stage channel combination to carry out stage payment, a stage payment order corresponding to the user order is created.

And step S414, deducting funds from the card issuing institution account corresponding to the credit card installment payment channel according to the payment amount of the installment payment order, and transferring the funds obtained by deduction into the merchant account.

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

in the foregoing embodiment, a payment processing method applied to a service platform is provided, and correspondingly, a payment processing apparatus running on the service platform is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 5, a schematic diagram of a payment processing apparatus provided in this 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 a payment processing apparatus, operating on a service platform, including:

an available verification module 502 configured to perform available verification on a first installment payment channel opened by a user on the service platform based on an interface call initiated by a third party platform;

a verification result returning module 504 configured to return a first verification result carrying the staging configuration parameters of the first staging payment channel in response to the interface call, if the available verification passes;

an installment payment processing module 506, configured to, if an installment payment request of the first installment payment channel in the installment channel combination sent by the third party platform is received, perform installment payment processing on the user order based on the first installment payment channel.

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

in the foregoing embodiment, a payment processing method applied to a third party platform is provided, and correspondingly, a payment processing apparatus operating on the third party platform is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 6, a schematic diagram of a payment processing apparatus provided in this embodiment is shown.

The present embodiment provides a payment processing apparatus, operating on a third party platform, including:

a service interface calling module 602 configured to initiate a call to a service interface of a service platform according to a user's installment payment request;

a verification result obtaining module 604, configured to obtain a first verification result of a first installment payment channel opened by the user on the service platform and a second verification result of at least one second installment payment channel bound by the third party platform, which are returned by interface invocation;

a staging channel combination rendering module 606 configured to render and display a staging channel combination based on staging configuration parameters carried in the first check result and the second check result;

an installment payment processing module 608 configured to perform installment payment processing according to a target installment payment channel selected by the user in the installment channel combination.

The embodiment of a payment processing device provided by the specification is as follows:

corresponding to the above-described payment processing method applied to the service platform, based on the same technical concept, one or more embodiments of the present specification further provide a payment processing apparatus for executing the above-described provided payment processing method, and fig. 7 is a schematic structural diagram of a payment processing apparatus provided in one or more embodiments of the present specification.

The present embodiment provides a payment processing apparatus, including:

as shown in fig. 7, the 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 the payment processing apparatus. 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 the payment processing device. The 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.

In one particular embodiment, a payment processing apparatus includes 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 include one or more modules, and each module may include a series of computer-executable instructions for the payment processing apparatus, and configured for execution by the one or more processors the one or more programs include computer-executable instructions for:

based on interface calling initiated by a third-party platform, carrying out available verification on a first staged payment channel opened by a user on a service platform;

returning a first verification result carrying the staging configuration parameters of the first staging payment channel under the condition that the available verification passes so as to respond to the interface call;

and if receiving a staging payment request of the first staging payment channel in the staging channel combination sent by the third-party platform, performing staging payment processing on the user order based on the first staging payment channel.

corresponding to the above-described payment processing method applied to the third party platform, based on the same technical concept, one or more embodiments of the present specification further provide a payment processing apparatus for executing the above-described payment processing method, and fig. 8 is a schematic structural diagram of the payment processing apparatus provided in one or more embodiments of the present specification.

The present embodiment provides a payment processing apparatus, including:

as shown in fig. 8, the payment processing apparatus may have a relatively large difference due to different configurations or performances, and may include one or more processors 801 and a memory 802, and one or more stored applications or data may be stored in the memory 802. Wherein the memory 802 may be a transient storage or a persistent storage. The application program stored in memory 802 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in the payment processing apparatus. Still further, the processor 801 may be configured to communicate with the memory 802 to execute a series of computer-executable instructions in the memory 802 on the payment processing device. The payment processing apparatus may also include one or more power supplies 803, one or more wired or wireless network interfaces 804, one or more input/output interfaces 805, one or more keyboards 806, and the like.

initiating the calling of a service interface of a service platform according to the staged payment request of the user;

acquiring a first verification result of a first installment payment channel opened by the user on the service platform and returned by interface calling, and a second verification result of at least one second installment payment channel bound by a third party platform;

rendering and displaying the staged channel combination based on the staged configuration parameters carried in the first check result and the second check result;

and carrying out stage payment processing according to the target stage payment channel selected by the user in the stage channel combination.

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

on the basis of the same technical concept, corresponding to the payment processing method applied to the service platform, 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:

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the payment processing method applied to the service platform 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 again.

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

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

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the payment processing method applied to the third party platform 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 again.

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 disk storage or other magnetic storage devices, or any other non-transmission medium that 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. A payment processing method is applied to a service platform and comprises the following steps:

based on interface calling initiated by a third-party platform, carrying out available verification on a first staged payment channel opened by a user on the service platform;

2. The payment processing method of claim 1, the verifying availability of the first tiered payment channel opened by the user at the service platform comprising:

if yes, judging whether a merchant corresponding to the user order signs an order receiving protocol or not;

if yes, detecting whether the user order meets the admission condition of the first payment channel;

and if so, inquiring staging configuration parameters of the first staging payment channel.

3. The payment processing method of claim 1, the third party platform initiating an interface call to a service interface of the service platform through a host platform of the service platform;

correspondingly, the first verification result is submitted to the host platform by the service platform and returned to the third-party platform by the host platform.

4. The payment processing method of claim 3, the third party platform invoking the service interface through the host platform to make available verification of at least one second tiered payment channel of the user bound by the third party platform;

wherein the available verification of any one of the at least one second installment payment channel comprises:

and if not, reading the staging configuration parameters of the second staging payment channel in the staging protocol signed by the third-party platform of the card issuing institution.

5. The payment processing method of claim 1, the staged payment processing of the user's transaction order based on the first staged payment channel, comprising:

6. The payment processing method of claim 1, wherein if the user selects a second installment channel of the installment channel combination as the target payment channel, the third party platform performs installment payment processing on the user's transaction order based on the second installment channel;

the third-party platform carries out staged payment processing on the transaction order of the user based on the second staged payment channel, and the method comprises the following steps:

creating a staged payment order corresponding to the user order;

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

8. The payment processing method of claim 7, wherein the interest charges are provided to an issuer or a funding institution corresponding to the target payment channel by a merchant corresponding to the user order;

the commission returning fee is provided to the third party platform or the service platform by an issuer or a funding institution corresponding to the target payment channel.

9. The payment processing method of claim 1, the first installment payment channel comprising a credit installment payment channel provided based on a credit line;

the second installment payment channel comprises a credit card installment payment channel;

the third party platform comprises a transaction clearing platform.

10. A payment processing method is applied to a third-party platform and comprises the following steps:

acquiring a first verification result of a first installment payment channel opened by the user on the service platform and returned by interface calling, and a second verification result of at least one second installment payment channel bound by the third party platform;

11. The payment processing method of claim 10, the service interface verifies availability of the first tiered payment channel by:

12. The payment processing method of claim 10, the third party platform initiating an interface call to a service interface of the service platform through a host platform of the service platform;

13. The payment processing method of claim 12, the service interface verifies availability of the second installment payment channel as follows:

14. The payment processing method of claim 10, prior to executing the step of initiating a call to a service interface of a service platform in accordance with the user's installment payment request, further comprising:

judging whether the user authorizes the protocol of the staging channel combination;

if yes, executing the request for payment by stages according to the user and initiating a calling step of a service interface of the service platform;

and if so, signing a service agreement of the user for authorizing the staging channel combination.

15. The payment processing method according to claim 10, further comprising, after the step of rendering and presenting a staging channel combination is performed based on staging configuration parameters carried in the first and second verification results, and before the step of performing staging payment processing according to a target staging channel selected by the user in the staging channel combination is performed:

and if the channel switching instruction of the user is detected, displaying the stage information of the stage payment channel selected by the channel switching instruction.

16. The payment processing method of claim 10, the performing staged payment processing according to the target staging channel selected by the user within the staging channel combination, comprising:

17. The payment processing method of claim 10, the performing staged payment processing according to the target staging channel selected by the user within the staging channel combination, comprising:

18. The payment processing method of claim 10, further comprising, after the performing an installment payment processing step according to a target installment channel selected by the user within the installment channel combination:

acquiring a settlement list uploaded by the service platform;

and performing charge clearing processing according to the total interest and the total commission return cost recorded in the settlement list.

19. The payment processing method of claim 10, the first installment payment channel comprising a credit installment payment channel provided based on a credit line;

the third party platform comprises a transaction clearing platform.

20. A payment processing apparatus, operating at a service platform, comprising:

the available checking module is configured to perform available checking on a first staged payment channel opened by a user on the service platform based on interface calling initiated by a third-party platform;

the verification result returning module is configured to return a first verification result carrying the staging configuration parameters of the first staging payment channel under the condition that the available verification passes so as to respond to the interface call;

and the staging payment processing module is configured to perform staging payment processing on the user order based on the first staging payment channel if a staging payment request of the first staging payment channel in the staging channel combination sent by the third-party platform is received.

21. A payment processing apparatus, operating on a third party platform, comprising:

the service interface calling module is configured to initiate calling of a service interface of the service platform according to the staged payment request of the user;

the verification result acquisition module is configured to acquire a first verification result of a first installment payment channel opened by the user on the service platform and a second verification result of at least one second installment payment channel bound by the third-party platform, wherein the first verification result is returned by interface calling;

the staged channel combination rendering module is configured to render and display the staged channel combination based on the staged configuration parameters carried in the first check result and the second check result;

and the staging payment processing module is configured to perform staging payment processing according to a target staging payment channel selected by the user in the staging channel combination.

22. A payment processing apparatus comprising:

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

23. A 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: