CN115018487A - Payment processing method and device and computer readable storage medium - Google Patents

Abstract

The invention discloses a payment processing method, a payment processing device and a computer readable storage medium. Wherein, the method comprises the following steps: displaying a payment webpage, wherein the payment webpage comprises a payment mode selection control; responding to the selection operation of the payment mode selection control, and determining a target payment mode; displaying a verification webpage corresponding to the target payment mode, wherein a verification instruction input box is displayed in the verification webpage; and receiving the payment verification instruction input in the verification instruction input box, and performing payment processing based on the payment verification instruction. The invention solves the technical problem of low electronic payment efficiency in the related technology.

Description

Payment processing method and device and computer readable storage medium

Technical Field

The invention relates to the field of data processing, in particular to a payment processing method and device and a computer-readable storage medium.

Background

At present, electronic payment has become the main payment mode in daily life.

In the related art, different payment applications are generally used for payment, or a plurality of selectable payment methods are provided in one payment application, and payment is performed by selecting a target payment method. The two payment methods have the following problems respectively: when different payment applications are adopted for payment, the payment can be completed only by starting the corresponding payment application, so that the switching of payment modes is inconvenient for a user; for the situation that the payment mode can be selected in one payment application, when the selected target payment mode is a payment mode which is not supported by the internet platform corresponding to the payment application, the payment application corresponding to the internet platform supporting the target payment mode needs to be jumped to first, and then the payment is completed in the jumped payment application, but the jump among different payment applications wastes the operation time of the user, and in addition, the payment cannot be completed when the jumped payment application is abnormally started, which affects the user experience. That is, in the related art, there is a problem that electronic payment is inefficient.

In view of the above problems, no effective solution has been proposed.

Disclosure of Invention

The embodiment of the invention provides a payment processing method, a payment processing device and a computer readable storage medium, which are used for at least solving the technical problem of low electronic payment efficiency in the related technology.

According to an aspect of an embodiment of the present invention, there is provided a payment method including: displaying a payment webpage, wherein the payment webpage comprises a payment mode selection control; responding to the selection operation of the payment mode selection control, and determining a target payment mode; displaying a verification webpage corresponding to the target payment mode, wherein a verification instruction input box is displayed in the verification webpage; and receiving the payment verification instruction input in the verification instruction input box, and performing payment processing based on the payment verification instruction.

Optionally, the displaying a payment webpage includes: receiving a webpage payment link, wherein the webpage payment link carries account login page information and order information to be paid; displaying an account login webpage of a preset application based on the account login page information; and responding to the login operation input on the account login webpage, and displaying a payment webpage corresponding to the to-be-paid order information.

Optionally, the receiving the webpage payment link includes: acquiring account login page information and order information to be paid in a two-dimensional code scanning mode; and generating the webpage payment link based on the account login page information and the to-be-paid order information.

Optionally, the receiving the webpage payment link includes: and receiving the webpage payment link shared by a second application under the condition that a terminal receiving the webpage payment link displays a first application interface.

Optionally, the order to be paid corresponding to the order information to be paid is a price changing order, wherein the price changing order is an order in which the order amount of the target object is changed.

Optionally, the displaying a verification webpage corresponding to the target payment method includes: acquiring display content corresponding to the target payment mode, wherein the display content comprises the order information to be paid and the check instruction input box; and displaying the display content in the verification webpage in a preset arrangement mode.

Optionally, the order to be paid information includes at least one of: payment amount information of the order to be paid corresponding to the order information to be paid; the distribution information of the order to be paid corresponding to the information of the order to be paid comprises: a selected delivery time, and an expected delivery time.

Optionally, the displaying a verification webpage corresponding to the target payment method includes: generating a verification webpage link based on the target payment mode; and displaying the verification webpage corresponding to the target payment mode based on the verification webpage link.

According to another aspect of the embodiments of the present invention, there is also provided a payment processing apparatus, including: the payment system comprises a first display module, a second display module and a payment processing module, wherein the first display module is used for displaying a payment webpage, and the payment webpage comprises a payment mode selection control; the selection module is used for responding to the selection operation of the payment mode selection control and determining a target payment mode; the second display module is used for displaying a verification webpage corresponding to the target payment mode on a preset webpage, wherein the verification webpage is displayed with a verification instruction input box; and the receiving module is used for receiving the payment verification instruction input in the verification instruction input box and carrying out payment processing based on the payment verification instruction.

According to another aspect of the embodiments of the present invention, there is also provided a computer-readable storage medium, where the computer-readable storage medium includes a stored program, and when the program runs, the apparatus on which the computer-readable storage medium is located is controlled to execute any one of the above payment processing methods.

According to another aspect of the embodiments of the present invention, there is also provided a computer device, including: a memory and a processor, the memory storing a computer program; the processor is configured to execute the computer program stored in the memory, and the computer program enables the processor to execute any one of the above payment processing methods when running.

In the embodiment of the invention, the payment webpage is displayed, wherein the payment webpage comprises a payment mode selection control, the target payment mode is determined in response to the selection operation of the payment mode selection control, the verification webpage corresponding to the target payment mode is displayed, a verification instruction input box is displayed on the verification webpage, the payment verification instruction input in the verification instruction input box is received, and payment processing is carried out based on the payment verification instruction. The payment method comprises the steps that a target payment mode can be directly selected in a payment webpage without opening a payment application, after the target payment mode is selected, the payment method does not jump to the payment application corresponding to the target payment mode, a payment verification instruction is directly input in a verification instruction input box corresponding to a verification webpage, and payment processing is carried out based on the input payment verification instruction. Therefore, electronic payment is realized based on the corresponding webpage, starting of the payment application and jumping among different payment applications are not involved in the payment process, failure in payment due to abnormal starting of the payment application is avoided, waiting time of a user when jumping among different applications is saved, and payment stability and user experience are improved. The technical problem that electronic payment efficiency is low in the related technology is solved.

Drawings

The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the invention and together with the description serve to explain the invention and do not constitute a limitation of the invention. In the drawings:

fig. 1 is a block diagram of a hardware configuration of a computer terminal of an alternative payment processing method according to an embodiment of the present invention;

FIG. 2 is a flow diagram of an alternative payment processing method according to an embodiment of the invention;

FIG. 3 is a schematic diagram of an alternative payment web interface in accordance with embodiments of the present invention;

FIG. 4 is a schematic diagram of an alternative verification web interface in accordance with embodiments of the present invention;

FIG. 5 is a block diagram of the mechanism of an alternative payment processing arrangement according to an embodiment of the invention;

fig. 6 is a block diagram of a computer apparatus according to an embodiment of the present invention.

Detailed Description

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

It should be noted that the terms "first," "second," and the like in the description and claims of the present invention and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the invention described herein are capable of operation in sequences other than those illustrated or described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

First, some terms or terms appearing in the description of the embodiments of the present application are applicable to the following explanations:

digital stores: the online Internet platform and the offline digital stores are integrated on the aspects of information such as commodities, prices, user members, orders and the like by integrating Internet application with physical stores through an Internet of things technology, artificial intelligence and an automation technology and integrating data and a flow layer on the basis of a retail digital platform.

HTML5(Hyper Text Markup Language 5), is a Language description way to build and present internet content.

Example 1

There is also provided, in accordance with an embodiment of the present invention, an embodiment of a payment processing method, it should be noted that the steps illustrated in the flowchart of the accompanying drawings may be performed in a computer system, such as a set of computer-executable instructions, and that, although a logical order is illustrated in the flowchart, in some cases, the steps illustrated or described may be performed in an order different than here.

The method provided by the embodiment 1 of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Fig. 1 shows a hardware configuration block diagram of a computer terminal for implementing a payment processing method. As shown in fig. 1, the computer terminal 10 may include one or more processors (shown as 102a, 102b, … …, 102n, which may include, but are not limited to, a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission device for communication functions. Besides, the method can also comprise the following steps: a display, an input/output interface (I/O interface), a Universal Serial BUS (USB) port (which may be included as one of the ports of the BUS), a network interface, a power source, and/or a camera. It will be understood by those skilled in the art that the structure shown in fig. 1 is only an illustration and is not intended to limit the structure of the electronic device. For example, the computer terminal 10 may also include more or fewer components than shown in FIG. 1, or have a different configuration than shown in FIG. 1.

It should be noted that the one or more processors and/or other data processing circuitry described above may be referred to generally herein as "data processing circuitry". The data processing circuitry may be embodied in whole or in part in software, hardware, firmware, or any combination thereof. Further, the data processing circuit may be a single stand-alone processing module, or incorporated in whole or in part into any of the other elements in the computer terminal 10. As referred to in the embodiments of the application, the data processing circuit acts as a processor control (e.g. selection of a variable resistance termination path connected to the interface).

The memory 104 may be used to store software programs and modules of application software, such as program instructions/data storage devices corresponding to the payment processing method in the embodiment of the present invention, and the processor executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, implementing the above-mentioned vulnerability detection method for application programs. The memory 104 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include memory located remotely from the processor, which may be connected to the computer terminal 10 via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.

The transmission device is used for receiving or transmitting data via a network. Specific examples of the network described above may include a wireless network provided by a communication provider of the computer terminal 10. In one example, the transmission device includes a Network adapter (NIC) that can be connected to other Network devices through a base station to communicate with the internet. In one example, the transmission device may be a Radio Frequency (RF) module, which is used for communicating with the internet in a wireless manner.

The display may be, for example, a touch screen type Liquid Crystal Display (LCD) that may enable a user to interact with a user interface of the computer terminal 10 (or mobile device).

In the above operating environment, the present application provides a payment processing method as shown in fig. 2. Fig. 2 is a flow diagram of an alternative payment processing method according to an embodiment of the invention. As shown in fig. 2, the payment processing method provided in the embodiment of the present application may be implemented by the following steps:

step S202, a payment webpage is displayed, wherein the payment webpage comprises a payment mode selection control.

And step S204, responding to the selection operation of the payment mode selection control, and determining a target payment mode.

And step S206, displaying a verification webpage corresponding to the target payment mode, wherein the verification webpage is displayed with a verification instruction input box.

And step S208, receiving the payment verification instruction input in the verification instruction input box, and performing payment processing based on the payment verification instruction.

In some optional embodiments, the executing body of the payment processing method may be a mobile terminal, wherein the type of the mobile terminal may include various types, for example, a mobile phone, a tablet computer, a smart wearable device, and the like. The mobile phone comprises a smart phone and the like.

In some optional embodiments, the payment verification instructions may be of various types, for example, the payment verification instructions may include: a payment password, a prompt instruction to remind the user to authenticate the fingerprint payment, a confirmation instruction to remind the user to confirm the ultra-fast payment mode without password input, and the like.

In some optional embodiments, the payment verification instruction input in the verification instruction input box is received, payment is completed after the payment verification instruction passes authentication, when the payment verification instruction fails to be authenticated, the verification webpage can prompt the user to input the payment verification instruction again through text prompt and the like, and payment processing is performed according to the payment verification instruction input again.

In the above optional embodiment, by displaying a payment webpage, where the payment webpage includes a payment method selection control, determining a target payment method in response to a selection operation of the payment method selection control, displaying a verification webpage corresponding to the target payment method, where the verification webpage displays a verification instruction input box, receiving a payment verification instruction input in the verification instruction input box, and performing payment processing based on the payment verification instruction. The payment method comprises the steps that a target payment mode can be directly selected from a payment webpage without opening a payment application, after the target payment mode is selected, the payment method does not jump to the payment application corresponding to the target payment mode, a verification webpage corresponding to the target payment mode is directly displayed, a payment verification instruction is input into a verification instruction input box of the verification webpage, and payment processing is carried out based on the input payment verification instruction. Therefore, electronic payment is realized based on the corresponding webpage, starting of the payment application and jumping among different payment applications are not involved in the payment process, failure in payment due to abnormal starting of the payment application is avoided, waiting time of a user when jumping among different applications is saved, and payment stability and user experience are improved. The technical problem that electronic payment efficiency is low in the related technology is solved.

In some optional embodiments, the method of displaying a payment web page may comprise the steps of: receiving a webpage payment link, wherein the webpage payment link carries account login page information and order information to be paid; displaying an account login webpage of a predetermined application based on the account login page information; and responding to the login operation input on the account login webpage, and displaying a payment webpage corresponding to the to-be-paid order information. And after the payment webpage is displayed, selecting a target payment mode from a plurality of payment modes displayed on the payment webpage, displaying a verification webpage corresponding to the target payment mode, and completing payment processing based on payment verification instruction input operation in a verification instruction input box of the verification webpage. The method comprises the steps of obtaining a payment webpage through account login operation, selecting a target payment mode from a plurality of payment modes displayed on the payment webpage, and carrying out payment processing based on the target payment mode. Therefore, the binding of the payment amount information, the order information and the account information is realized, and the backflow of the payment amount information and the order information on the internet platform corresponding to the preset application is realized.

In some optional embodiments, the different payment methods correspond to different internet platforms, that is, different internet platforms support different payment methods, wherein the predetermined application corresponds to one internet platform. In the related art, when electronic payment is performed in a digital store, if payment is performed using a payment method supported by another internet platform other than the internet platform corresponding to the predetermined application, payment information such as payment amount and order information cannot be automatically returned to the internet platform corresponding to the predetermined application. In the optional embodiment, a login operation is performed through an account login webpage of a predetermined application, a payment webpage corresponding to order information to be paid is displayed after the login, a target payment mode is selected from a plurality of payment modes of the payment webpage, and payment processing is performed based on the target payment mode. And the payment information is bound with the logged account number, and even if the selected target payment mode is not the payment mode supported by the Internet platform corresponding to the preset application, the payment amount information and the payment order information which are paid through the target payment mode can still flow back to the Internet platform corresponding to the preset application.

In some optional embodiments, receiving the webpage payment link comprises: acquiring account login page information and order information to be paid by scanning a two-dimensional code; and generating a webpage payment link based on the account login page information and the to-be-paid order information. The webpage payment link is obtained based on the mode of scanning the two-dimensional code, the method is simple and easy to operate, and user experience is improved.

In some optional embodiments, receiving the webpage payment link includes: and under the condition that the terminal for receiving the webpage payment link displays the first application interface, receiving the webpage payment link shared by the second application.

In one embodiment, the category of the first application includes a plurality of categories, for example, the first application includes an application having an information receiving function, such as an application having a payment function, an application not having a payment function, and the like. The information that the first application can receive includes a web page link, and the information of the first application can be received in a group sharing manner. The first application receives the webpage payment link shared by the second application, acquires a payment webpage based on the received webpage payment link, and performs payment processing based on the payment webpage. That is, the payment processing flow may be completed in the first application, and when the user terminal is only equipped with the first application, the web payment link sent by the second application may be received by the first application, and the payment processing is performed based on the received web payment link. Therefore, the operation of the payment across application platforms is realized, the payment operation is convenient for users, and the user experience is improved.

In some optional embodiments, the order to be paid corresponding to the order information to be paid is a price-changing order, where the price-changing order is an order in which the order amount of the target object is modified. In an optional embodiment, the relevant personnel of the digital store can modify the order amount of the target object, generate a webpage payment link based on the modified order amount, and pay based on the webpage payment link by the user who makes shopping at the digital store. Thereby, flexibility in pricing the target object is improved.

In some optional embodiments, displaying a verification webpage corresponding to the target payment method includes: acquiring display content corresponding to a target payment mode, wherein the display content comprises order information to be paid and a verification instruction input box; and displaying the display contents in a preset arrangement mode in the verification webpage. Therefore, the user can conveniently confirm the order information and input the verification instruction according to the content displayed by the verification webpage, and the user experience is improved.

In some optional embodiments, the to-be-paid order information comprises at least one of: payment amount information of the order to be paid corresponding to the order information to be paid; the method comprises the following steps of sending distribution information of an order to be paid corresponding to the information of the order to be paid, wherein the distribution information comprises: a selected delivery time, and an expected delivery time. The user selects the delivery time on the payment page, the payment page displays the information of the order to be paid, including the selected delivery time and the expected delivery time, the user can select the delivery time as required, and the expected delivery time displayed on the payment page is confirmed, so that the user experience is improved.

In some optional embodiments, the method for displaying the verification webpage corresponding to the target payment method may include the following steps: generating a verification webpage link based on the target payment mode; and displaying a verification webpage corresponding to the target payment mode based on the verification webpage link. And a corresponding verification webpage is generated based on the target payment mode to carry out payment operation, and a payment application corresponding to the target payment mode does not need to be started, so that the processing speed and the user experience are improved.

Based on the above embodiment and the optional embodiment, an optional implementation is provided, and the following description specifically describes the target object as a commodity, and the application object of the second application as an offline worker of a digital store as an example. In the related art, when a digital store purchases, payment is generally made by using payment methods corresponding to different payment applications, or payment is made by selecting a target payment method by providing multiple selectable payment methods in one payment application. The two payment methods have the following problems respectively: when different payment applications are adopted for payment, the payment can be completed only by starting the corresponding payment application, so that the switching of payment modes is inconvenient for a user; for the situation that the payment mode can be selected in one payment application, when the selected target payment mode is a payment mode which is not supported by the internet platform corresponding to the payment application, the payment application corresponding to the internet platform supporting the target payment mode needs to be jumped to first, then payment is completed in the jumped payment application, the operation time of a user is wasted due to jumping among different payment applications, and in addition, payment cannot be completed when the jumped payment application is abnormally started, so that the user experience is influenced. That is, in the related art, there is a problem that electronic payment is inconvenient when shopping in a digital store.

In view of this, in the embodiments of the present disclosure, a payment processing method is provided, in which a payment webpage is displayed, where the payment webpage includes a payment method selection control, a target payment method is determined in response to a selection operation of the payment method selection control, a verification webpage corresponding to the target payment method is displayed, a verification instruction input box is displayed on the verification webpage, a payment verification instruction input in the verification instruction input box is received, and payment processing is performed based on the payment verification instruction. The payment method comprises the steps that a target payment mode can be directly selected from a payment webpage without opening a payment application, after the target payment mode is selected, the payment method does not jump to the payment application corresponding to the target payment mode, a verification webpage is directly displayed, a payment verification instruction is input into a verification instruction input box corresponding to the verification webpage, and payment processing is carried out based on the input payment verification instruction. Therefore, electronic payment is realized based on the corresponding webpage, starting of the payment application and jumping among different payment applications are not involved in the payment process, failure in payment due to abnormal starting of the payment application is avoided, waiting time of a user when jumping among different applications is saved, and payment stability and user experience are improved. The technical problem that electronic payment efficiency is low in the related technology is solved.

The payment processing method provided by the optional embodiment includes the following steps:

the staff of the digital store modifies the amount of the order of the goods (corresponding to the target object in the foregoing embodiment) to be purchased by the user on the goods page of the merchant application software (corresponding to the second application in the foregoing embodiment), fills in the user information, and generates a web page payment link based on the goods information after the amount modification and the filled-in user information.

The first application of the user terminal receives the web page payment link, and opens the HTML5 web page (corresponding to the account login web page of the foregoing embodiment) through the web page link. The first application has a first application interface for receiving and sending information, and the first application interface can be shared by a plurality of users in a group sharing mode. There are various methods for receiving the web payment link by the first application of the user terminal, for example, the web payment link may be obtained by the following method: a worker of the digital store sends the webpage payment link to a first application of the user terminal in an information sending mode, and the first application of the user terminal receives the webpage payment link; the method comprises the steps that staff of a digital store send a two-dimensional code containing a webpage payment link to a first application of a user terminal in an information sending mode, and a user identifies the two-dimensional code to further obtain the webpage payment link; and the user terminal acquires the webpage payment link in a mode of scanning the two-dimensional code in the digital store, and the like.

Under the condition that a user has a login account, performing account login operation on an HTML5 webpage to obtain a payment webpage; under the condition that a user does not log in an account, clicking an account registration control of the HTML5 webpage to acquire an account registration webpage, performing account registration in the account registration webpage, performing login operation based on the registered account, and acquiring a payment webpage.

FIG. 3 is a schematic diagram of an alternative payment web interface in accordance with an embodiment of the present invention. Referring to fig. 3, a delivery address modification box, a delivery time selection box, an order information to be paid box, a payment method selection box, a submitted order confirmation box, and the like are displayed in the payment webpage. The user modifies or confirms the delivery address information in the delivery address modification frame, modifies or confirms the delivery time in the delivery time selection frame, confirms the order information to be paid in the order information frame to be paid, selects the payment mode in the payment mode selection frame, and clicks the order submission confirmation control to acquire the preset webpage capable of displaying the check instruction input frame.

Under the condition that the preset webpage is a verification webpage generated based on the selection operation of the payment mode selection control, inputting a verification instruction in a verification instruction input box of the verification webpage to carry out payment operation;

under the condition that the preset webpage is the payment webpage, inputting a verification instruction in a verification instruction input box of the payment webpage to carry out payment operation; the check instruction input box comprises a webpage popup window covering the payment webpage area completely, a webpage popup window covering the check webpage area partially, and the like.

The following description will be given taking as an example a case where a predetermined web page is a verification web page generated by a selection operation of the payment-method-based selection control.

FIG. 4 is a diagram of an alternative verification web interface, according to an embodiment of the invention. Referring to fig. 4, a checkout web page displays a payee merchant information field, an order amount information field, a target payment method confirmation field, and a payment confirmation control. And clicking the payment confirmation control by the user to obtain the check instruction input box, and inputting the payment check instruction into the check instruction input box by the user to finish payment. The check instruction input box has various types, including a webpage popup window covering the check webpage area completely, a webpage popup window covering the check webpage area partially, and the like.

And after the payment is finished, the payment fund and the order information flow back to the merchant platform corresponding to the commodity.

In the optional embodiment, the webpage payment link generated based on the merchant application software (second application) is sent to the first application of the user terminal, and the user performs payment operation based on the webpage payment link received by the first application, so that cross-platform payment operation among different applications is realized; after the payment is finished, the payment fund and the order information flow back to a merchant platform corresponding to the commodity, so that the fund data and the order information flow back of cross-platform payment is ensured; the digital store can modify the amount of the order, so that the autonomous operation capacity of the digital store is improved; the whole payment process is completed based on the operation of the corresponding webpage, after the target payment mode is selected, payment is completed based on the payment webpage, and the payment operation does not need to be carried out by jumping to the application corresponding to the target payment mode, so that the payment abnormity caused by abnormal application starting is avoided; when a cross-platform payment mode is selected, payment is completed based on the payment webpage, and jump switching among different applications is not needed, so that the waiting time for starting and switching different applications is saved, and the user experience is improved.

It should be noted that for simplicity of description, the above-mentioned method embodiments are shown as a series of combinations of acts, but those skilled in the art will recognize that the present invention is not limited by the order of acts, as some steps may occur in other orders or concurrently in accordance with the invention. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required by the invention.

Through the description of the foregoing embodiments, it is clear to those skilled in the art that the payment processing method according to the foregoing embodiments may be implemented by software plus a necessary general hardware platform, and certainly may also be implemented by hardware, but the former is a better implementation in many cases. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a computer-readable storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal device (which may be a mobile phone, a computer, a server, or a network device) to execute the method according to the embodiments of the present invention.

Example 2

According to an embodiment of the present invention, there is also provided a block diagram for implementing the payment processing apparatus, as shown in fig. 5, the apparatus includes: the display device includes a first display module 502, a selection module 504, a second display module 506, and a receiving module 508, which are respectively described below.

A first display module 502, configured to display a payment webpage, where the payment webpage includes a payment method selection control; a selection module 504, connected to the first display module 502, configured to determine a target payment method in response to a selection operation of a payment method selection control; a second display module 506, connected to the selection module 504, configured to display a verification webpage corresponding to the target payment method on the predetermined webpage, where the verification webpage displays a verification instruction input box; a receiving module 508, connected to the second display module 506, for receiving the payment verification instruction input in the verification instruction input box, and performing payment processing based on the payment verification instruction.

It should be noted that the first display module 502, the selection module 504, the second display module 506, and the receiving module 508 respectively correspond to steps S202 to S208 in embodiment 1, and the implementation examples and application scenarios of the respective modules and the corresponding steps are the same, but are not limited to the disclosure of embodiment 1. It should be noted that the above modules as a part of the apparatus may operate in the computer terminal 10 provided in embodiment 1.

Example 3

Embodiments of the present invention may provide a computer-readable storage medium. Optionally, in this embodiment, the computer-readable storage medium may be configured to store the program code executed by the payment processing method provided in embodiment 1.

Optionally, in this embodiment, the computer-readable storage medium may be located in any one of a group of computer terminals in a computer network, or in any one of a group of mobile terminals.

Optionally, in this embodiment, the computer readable storage medium is configured to store program code for performing the following steps: displaying a payment webpage, wherein the payment webpage comprises a payment mode selection control; responding to the selection operation of the payment mode selection control, and determining a target payment mode; displaying a verification webpage corresponding to the target payment mode, wherein a verification instruction input box is displayed in the verification webpage; and receiving the payment verification instruction input in the verification instruction input box, and performing payment processing based on the payment verification instruction.

Optionally, in this embodiment, the computer readable storage medium is configured to store program code for performing the following steps: receiving a webpage payment link, wherein the webpage payment link carries account login page information and order information to be paid; displaying an account login webpage of a predetermined application based on the account login page information; and responding to the login operation input on the account login webpage, and displaying a payment webpage corresponding to the to-be-paid order information.

Optionally, in this embodiment, the computer readable storage medium is configured to store program code for performing the following steps: receiving the webpage payment link includes: acquiring account login page information and order information to be paid by scanning a two-dimensional code; and generating a webpage payment link based on the account login page information and the to-be-paid order information.

Optionally, in this embodiment, a computer-readable storage medium is configured to store program code for performing the steps of: receiving the webpage payment link includes: and under the condition that the terminal for receiving the webpage payment link displays the first application interface, receiving the webpage payment link shared by the second application.

Optionally, in this embodiment, the computer readable storage medium is configured to store program code for performing the following steps: and the order to be paid corresponding to the order information to be paid is a price changing order, wherein the price changing order is an order in which the order amount of the target object is changed.

Optionally, in this embodiment, a computer-readable storage medium is configured to store program code for performing the steps of: displaying a verification webpage corresponding to the target payment mode, comprising: acquiring display content corresponding to a target payment mode, wherein the display content comprises order information to be paid and a check instruction input box; and displaying the display contents in a preset arrangement mode in the verification webpage.

Optionally, in this embodiment, the computer readable storage medium is configured to store program code for performing the following steps: the to-be-paid order information includes at least one of: payment amount information of the order to be paid corresponding to the order information to be paid; the method comprises the following steps of sending information of an order to be paid corresponding to information of the order to be paid, wherein the sending information comprises the following steps: a selected delivery time, and an expected delivery time.

Optionally, in this embodiment, a computer-readable storage medium is configured to store program code for performing the steps of: displaying a verification webpage corresponding to the target payment mode, comprising: generating a verification webpage link based on the target payment mode; and displaying a verification webpage corresponding to the target payment mode based on the verification webpage link.

Embodiments of the present invention may provide a computer device, which may be any one of computer terminal devices in a computer terminal group. Optionally, in this embodiment, the computer device may also be replaced with a terminal device such as a mobile terminal.

Optionally, in this embodiment, the computer terminal may be located in at least one network device of a plurality of network devices of a computer network.

In this embodiment, the computer device may execute program codes of the following steps in the payment processing method of the application program: displaying a payment webpage, wherein the payment webpage comprises a payment mode selection control; responding to the selection operation of the payment mode selection control, and determining a target payment mode; displaying a verification webpage corresponding to the target payment mode, wherein a verification instruction input box is displayed in the verification webpage; and receiving the payment verification instruction input in the verification instruction input box, and performing payment processing based on the payment verification instruction.

FIG. 6 is a block diagram of an alternative computing device in accordance with embodiments of the present invention. Referring to fig. 6, the computer apparatus may include: one or more (only one shown) processors 602, memory 604, and the like.

The memory 604 may be configured to store software programs and modules, such as program instructions/modules corresponding to the payment processing method and apparatus in the embodiment of the present invention, and the processor 602 executes various functional applications and data processing by running the software programs and modules stored in the memory 604, so as to implement the above-mentioned payment processing method. The memory 604 may include high-speed random access memory 604, and may also include non-volatile memory 604, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory 604. In some examples, the memory 604 may further include memory 604 remotely located from the processor 602, and these remote memories 604 may be connected to the computer terminal through a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.

The processor 602 may invoke the information and applications stored in the memory 604 through the transmission device to perform the following steps: displaying a payment webpage, wherein the payment webpage comprises a payment mode selection control; responding to the selection operation of the payment mode selection control, and determining a target payment mode; displaying a verification webpage corresponding to the target payment mode, wherein a verification instruction input box is displayed in the verification webpage; and receiving the payment verification instruction input in the verification instruction input box, and performing payment processing based on the payment verification instruction.

Optionally, the processor 602 may further execute the program code of the following steps: receiving a webpage payment link, wherein the webpage payment link carries account login page information and order information to be paid; displaying an account login webpage of a predetermined application based on the account login page information; and responding to the login operation input on the account login webpage, and displaying a payment webpage corresponding to the to-be-paid order information.

Optionally, the processor 602 may further execute the program code of the following steps: receiving the webpage payment link includes: acquiring account login page information and order information to be paid by scanning a two-dimensional code; and generating a webpage payment link based on the account login page information and the to-be-paid order information.

Optionally, the processor 602 may further execute the program code of the following steps: receiving the webpage payment link includes: and under the condition that the terminal for receiving the webpage payment link displays the first application interface, receiving the webpage payment link shared by the second application.

Optionally, the processor 602 may further execute the program code of the following steps: and the order to be paid corresponding to the order information to be paid is a price changing order, wherein the price changing order is an order in which the order amount of the target object is changed.

Optionally, the processor 602 may further execute the following steps: displaying a verification webpage corresponding to the target payment mode, comprising: acquiring display content corresponding to a target payment mode, wherein the display content comprises order information to be paid and a check instruction input box; and displaying the display contents in a preset arrangement mode in the verification webpage.

Optionally, the processor 602 may further execute the program code of the following steps: the to-be-paid order information includes at least one of: payment amount information of the order to be paid corresponding to the order information to be paid; the method comprises the following steps of sending distribution information of an order to be paid corresponding to the information of the order to be paid, wherein the distribution information comprises: a selected delivery time, and an expected delivery time.

Optionally, the processor 602 may further execute the following steps: displaying a verification webpage corresponding to the target payment mode, comprising: generating a verification webpage link based on the target payment mode; and displaying a verification webpage corresponding to the target payment mode based on the verification webpage link.

The embodiment of the invention provides a payment processing scheme. The payment method comprises the steps of determining a target payment method by displaying a payment webpage, responding to selection operation of a payment method selection control, displaying a verification webpage corresponding to the target payment method, displaying a verification instruction input box on the verification webpage, receiving a payment verification instruction input in the verification instruction input box, and carrying out payment processing based on the payment verification instruction. The payment method comprises the steps that a target payment mode can be directly selected in a payment webpage without opening a payment application, after the target payment mode is selected, the payment method does not jump to the payment application corresponding to the target payment mode, a payment verification instruction is directly input in a verification instruction input box corresponding to a verification webpage, and payment processing is carried out based on the input payment verification instruction. Therefore, electronic payment is realized based on the corresponding webpage, starting of the payment application and jumping among different payment applications are not involved in the payment process, failure in payment due to abnormal starting of the payment application is avoided, waiting time of a user when jumping among different applications is saved, and payment stability and user experience are improved. The technical problem that electronic payment efficiency is low in the related technology is solved.

Those skilled in the art will appreciate that all or part of the steps in the methods of the above embodiments may be implemented by a program instructing hardware associated with the terminal device, where the program may be stored in a computer-readable storage medium, and the computer-readable storage medium may include: flash disks, Read-Only memories (ROMs), Random Access Memories (RAMs), magnetic or optical disks, and the like.

The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.

In the above embodiments of the present invention, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

In the embodiments provided in the present application, it should be understood that the disclosed technology can be implemented in other ways. The above-described embodiments of the apparatus are merely illustrative, and for example, a division of a unit is merely a division of a logic function, and an actual implementation may have another division, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, units or modules, and may be in an electrical or other form.

Units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a computer-readable storage medium and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned computer-readable storage media comprise: a U-disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a removable hard disk, a magnetic or optical disk, and other various media capable of storing program codes.

The foregoing is only a preferred embodiment of the present invention, and it should be noted that it is obvious to those skilled in the art that various modifications and improvements can be made without departing from the principle of the present invention, and these modifications and improvements should also be considered as the protection scope of the present invention.

Claims (11)

1. A payment method, comprising:

displaying a payment webpage, wherein the payment webpage comprises a payment mode selection control;

responding to the selection operation of the payment mode selection control, and determining a target payment mode;

displaying a verification webpage corresponding to the target payment mode, wherein a verification instruction input box is displayed in the verification webpage;

and receiving the payment verification instruction input in the verification instruction input box, and performing payment processing based on the payment verification instruction.

2. The method of claim 1, wherein displaying the payment webpage comprises:

receiving a webpage payment link, wherein the webpage payment link carries account login page information and order information to be paid;

displaying an account login webpage of a preset application based on the account login page information;

and responding to the login operation input on the account login webpage, and displaying a payment webpage corresponding to the to-be-paid order information.

3. The method of claim 2, wherein receiving the webpage payment link comprises:

acquiring the account login page information and the order information to be paid in a two-dimensional code scanning mode;

and generating the webpage payment link based on the account login page information and the to-be-paid order information.

4. The method of claim 2, wherein receiving the webpage payment link comprises:

and receiving the webpage payment link shared by a second application under the condition that a terminal receiving the webpage payment link displays a first application interface.

5. The method according to claim 2, wherein the order to be paid corresponding to the order information to be paid is a re-priced order, wherein the re-priced order is an order in which the amount of the order of the target object is modified.

6. The method of claim 2, wherein displaying a verification webpage corresponding to the target payment method comprises:

acquiring display content corresponding to the target payment mode, wherein the display content comprises the order information to be paid and the check instruction input box;

and displaying the display content in the verification webpage in a preset arrangement mode.

7. The method of claim 6, wherein the to-be-paid order information comprises at least one of:

payment amount information of the order to be paid corresponding to the order information to be paid;

the distribution information of the order to be paid corresponding to the information of the order to be paid comprises: a selected delivery time, and an expected delivery time.

8. The method according to any one of claims 1 to 7, wherein the displaying of the verification webpage corresponding to the target payment method comprises:

generating a verification webpage link based on the target payment mode;

and displaying the verification webpage corresponding to the target payment mode based on the verification webpage link.

9. A payment processing apparatus, comprising:

the payment system comprises a first display module, a second display module and a payment processing module, wherein the first display module is used for displaying a payment webpage, and the payment webpage comprises a payment mode selection control;

the selection module is used for responding to the selection operation of the payment mode selection control and determining a target payment mode;

the second display module is used for displaying a verification webpage corresponding to the target payment mode on a preset webpage, wherein the verification webpage is displayed with a verification instruction input box;

and the receiving module is used for receiving the payment verification instruction input in the verification instruction input box and carrying out payment processing based on the payment verification instruction.

10. A computer-readable storage medium, comprising a stored program, wherein the program, when executed, controls a device on which the computer-readable storage medium is located to perform the payment processing method of any one of claims 1 to 8.

11. A computer device, comprising: a memory and a processor, wherein the processor is capable of,

the memory stores a computer program;

the processor for executing a computer program stored in the memory, the computer program when executed causing the processor to perform a payment processing method as claimed in any one of claims 1 to 8.

Images