CN117035936A

CN117035936A - Transaction processing method and device

Info

Publication number: CN117035936A
Application number: CN202311050678.6A
Authority: CN
Inventors: 佟婧倩; 俞腾; 陈庆生; 王海珍; 王静
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2023-08-18
Filing date: 2023-08-18
Publication date: 2023-11-10

Abstract

The embodiment of the specification provides a transaction processing method and a transaction processing device, wherein the transaction processing method comprises the following steps: in the commodity transaction process, a commodity transaction order is created according to a commodity transaction reservation request submitted by a user terminal through a transaction reservation component accessed by calling a merchant subroutine, the commodity transaction order is returned to the user terminal, a payment list of the transaction order is created according to a pre-payment request submitted by the user terminal, pre-payment processing of the payment list is carried out based on the credit transaction amount of the transaction subroutine, a commodity verification certificate is generated and issued to the user terminal, and if the verification request carrying the verification certificate submitted by the merchant terminal is detected, verification payment processing is carried out based on the verification certificate.

Description

Transaction processing method and device

Technical Field

The present document relates to the field of data processing technologies, and in particular, to a transaction processing method and device.

Background

With the continuous development and popularization of the internet, the application range of online services provided based on the internet is wider and wider, so that most users are gradually covered, various online service scenes, such as ordering goods of online stores in an online mode, two-dimensional codes or serial codes for picking up the goods online after ordering payment are generated, the two-dimensional codes or serial codes of the goods are presented by online stores, the goods are provided after the online stores confirm the two-dimensional codes or serial codes, but with the online stores participating in online ordering and online off-line verification, the online stores in the online and off-line verification mode are more and more, and with the platform for providing the online and off-line verification mode, the competition is more and more intense.

Disclosure of Invention

One or more embodiments of the present specification provide a transaction processing method, applied to a server, the method including: creating a trade order according to a trade reservation request of the commodity submitted by the user terminal, and returning the trade order to the user terminal. The transaction reservation request is submitted by invoking a transaction reservation component accessed by a merchant subroutine. And creating a payment list of the transaction order according to the pre-payment request submitted by the user terminal. And carrying out pre-payment processing of the payment bill based on the credit transaction amount of the transaction subprogram, and generating a verification certificate of the commodity and issuing the verification certificate to the user terminal. And if the verification request carrying the verification certificate submitted by the merchant terminal is detected, performing verification payment processing based on the verification certificate.

One or more embodiments of the present specification provide another transaction processing method applied to a user terminal, the method including: and responding to the access instruction of the commodity displayed in the transaction subprogram, and jumping to the merchant subprogram corresponding to the commodity. And calling a transaction reservation component through the merchant subprogram to generate a transaction reservation request of the commodity, submitting the transaction reservation request to a server, and receiving a transaction order returned by the server. And generating a prepayment request based on the prepayment instruction of the transaction order and submitting the prepayment request to the server. And receiving the verification and approval certificate of the commodity issued by the server, so as to carry out verification and approval payment processing according to the verification and approval certificate. The verification certificate is issued after pre-payment processing of the payment sheet based on the credit transaction amount of the transaction subroutine.

One or more embodiments of the present specification provide a transaction processing apparatus, operable on a server, the apparatus comprising: and the trade order creation module is configured to create a trade order according to a trade reservation request of the commodity submitted by the user terminal and return the trade order to the user terminal. The transaction reservation request is submitted by invoking a transaction reservation component accessed by a merchant subroutine. And the payment order creation module is configured to create a payment order of the transaction order according to a prepayment request submitted by the user terminal. And the pre-payment processing module is configured to perform pre-payment processing of the payment bill based on the credit transaction amount of the transaction subprogram, generate a verification certificate of the commodity and issue the verification certificate to the user terminal. And the verification and payment processing module is configured to perform verification and payment processing based on the verification and payment certificate if a verification and payment request carrying the verification and payment certificate submitted by the merchant terminal is detected.

One or more embodiments of the present specification provide another transaction processing apparatus, operable on a user terminal, the apparatus comprising: and the subprogram jump module is configured to respond to the access instruction of the commodity displayed in the transaction subprogram and jump to the merchant subprogram corresponding to the commodity. And the transaction reservation request submitting module is configured to invoke a transaction reservation component through the merchant subroutine to generate a transaction reservation request of the commodity, submit the transaction reservation request to a server and receive a transaction order returned by the server. And the prepayment request generation module is configured to generate a prepayment request based on the prepayment instruction of the transaction order and submit the prepayment request to the server. And the verification and approval certificate receiving module is configured to receive verification and approval certificates of the commodity issued by the server so as to carry out verification and approval payment processing according to the verification and approval certificates. The verification certificate is issued after pre-payment processing of the payment sheet based on the credit transaction amount of the transaction subroutine.

One or more embodiments of the present specification provide a server including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: creating a trade order according to a trade reservation request of the commodity submitted by the user terminal, and returning the trade order to the user terminal. The transaction reservation request is submitted by invoking a transaction reservation component accessed by a merchant subroutine. And creating a payment list of the transaction order according to the pre-payment request submitted by the user terminal. And carrying out pre-payment processing of the payment bill based on the credit transaction amount of the transaction subprogram, and generating a verification certificate of the commodity and issuing the verification certificate to the user terminal. And if the verification request carrying the verification certificate submitted by the merchant terminal is detected, performing verification payment processing based on the verification certificate.

One or more embodiments of the present specification provide a user terminal including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and responding to the access instruction of the commodity displayed in the transaction subprogram, and jumping to the merchant subprogram corresponding to the commodity. And calling a transaction reservation component through the merchant subprogram to generate a transaction reservation request of the commodity, submitting the transaction reservation request to a server, and receiving a transaction order returned by the server. And generating a prepayment request based on the prepayment instruction of the transaction order and submitting the prepayment request to the server. And receiving the verification and approval certificate of the commodity issued by the server, so as to carry out verification and approval payment processing according to the verification and approval certificate. The verification certificate is issued after pre-payment processing of the payment sheet based on the credit transaction amount of the transaction subroutine.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed by a processor, implement the following: creating a trade order according to a trade reservation request of the commodity submitted by the user terminal, and returning the trade order to the user terminal. The transaction reservation request is submitted by invoking a transaction reservation component accessed by a merchant subroutine. And creating a payment list of the transaction order according to the pre-payment request submitted by the user terminal. And carrying out pre-payment processing of the payment bill based on the credit transaction amount of the transaction subprogram, and generating a verification certificate of the commodity and issuing the verification certificate to the user terminal. And if the verification request carrying the verification certificate submitted by the merchant terminal is detected, performing verification payment processing based on the verification certificate.

One or more embodiments of the present specification provide another storage medium storing computer-executable instructions that, when executed by a processor, implement the following: and responding to the access instruction of the commodity displayed in the transaction subprogram, and jumping to the merchant subprogram corresponding to the commodity. And calling a transaction reservation component through the merchant subprogram to generate a transaction reservation request of the commodity, submitting the transaction reservation request to a server, and receiving a transaction order returned by the server. And generating a prepayment request based on the prepayment instruction of the transaction order and submitting the prepayment request to the server. And receiving the verification and approval certificate of the commodity issued by the server, so as to carry out verification and approval payment processing according to the verification and approval certificate. The verification certificate is issued after pre-payment processing of the payment sheet based on the credit transaction amount of the transaction subroutine.

Drawings

For a clearer description of one or more embodiments of the present description or of the solutions of the prior art, the drawings that are needed in the description of the embodiments or of the prior art will be briefly described below, it being obvious that the drawings in the description that follow are only some of the embodiments described in the present description, from which other drawings can be obtained, without inventive faculty, for a person skilled in the art;

FIG. 1 is a schematic diagram of an environment in which a transaction processing method according to one or more embodiments of the present disclosure may be implemented;

FIG. 2 is a process flow diagram of a transaction processing method according to one or more embodiments of the present disclosure;

FIG. 3 is a timing diagram illustrating a transaction processing method for use in a group purchase scenario according to one or more embodiments of the present disclosure;

FIG. 4 is a timing diagram illustrating a transaction processing method for off-line commodity transactions according to one or more embodiments of the present disclosure;

FIG. 5 is a process flow diagram of another transaction processing method provided in one or more embodiments of the present disclosure;

FIG. 6 is a schematic diagram of one embodiment of a transaction processing device provided in one or more embodiments of the present disclosure;

FIG. 7 is a schematic diagram of another example transaction processing device provided in one or more embodiments of the present disclosure;

FIG. 8 is a schematic diagram of a server according to one or more embodiments of the present disclosure;

fig. 9 is a schematic structural diagram of a user terminal according to one or more embodiments of the present disclosure.

Detailed Description

In order to enable a person skilled in the art to better understand the technical solutions in one or more embodiments of the present specification, the technical solutions in one or more embodiments of the present specification will be clearly and completely described below with reference to the drawings in one or more embodiments of the present specification, and it is obvious that the described embodiments are only some embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one or more embodiments of the present disclosure without inventive effort, are intended to be within the scope of the present disclosure.

The transaction processing method provided in one or more embodiments of the present disclosure may be applied to an implementation environment of a merchant commodity transaction, where the implementation environment at least includes: a server 101 for performing transaction processing and verifying payment processing, a user terminal 102 for performing commodity access and transaction initiation, and a merchant terminal 103 of a merchant;

The server 101 may be one or more servers, a server cluster formed by a plurality of servers, or a cloud server of a cloud computing platform, which is used for conducting transaction processing and verifying payment processing in the commodity transaction process. The user terminal 102 may be a smart phone, a tablet computer, an electronic book reader, a wearable device, an AR (Augmented Reality) based/VR (Virtual Reality) based device for information interaction, or the like, and may also be provided with an application program or a browser, where the application program or the browser may be used to perform commodity access and commodity transaction initiation, or a subroutine in the application program may be used to perform commodity access and commodity transaction initiation. Merchant terminal 103 refers to merchant configured terminal equipment for performing down-line transactions and transaction verification.

In the implementation environment, a user accesses a commodity of a merchant through a transaction subprogram at a user terminal 102 side, submits an access instruction for the commodity in the access process, jumps to the merchant subprogram from the transaction subprogram, submits a transaction reservation request to a server 101 by calling an accessed transaction reservation component after jumping, the server 101 creates a transaction order based on the transaction reservation request and returns the transaction order to the user terminal 102, after acquiring a pre-payment request submitted by the user terminal 102 for the transaction order, creates a payment order of the transaction order, performs pre-payment processing of the payment order based on a credit transaction amount of the transaction subprogram, and generates a verification certificate of the commodity to be issued to the user terminal 102, so that the user at the user terminal 102 side can utilize the verification certificate to perform commodity verification at the merchant, in particular, in the verification process, the verification certificate provided by the user is acquired by the merchant terminal 103 of the merchant, and the acquired verification certificate is submitted to the server 101 in a verification request mode, and the server 101 performs commodity verification and order processing based on the verification certificate submitted by the merchant terminal 103.

One or more embodiments of a transaction processing method provided in the present specification are as follows:

referring to fig. 2, the transaction processing method provided in the present embodiment specifically includes steps S202 to S208.

Step S202, creating a trade order according to a trade reservation request of commodities submitted by a user terminal, and returning the trade order to the user terminal.

In this embodiment, in the commodity transaction process, a transaction reservation of commodity transaction is first performed through cooperation of a transaction subroutine, a merchant subroutine and a server, a transaction order is created in the transaction reservation execution process, then a pre-payment process is performed on the payment order based on the creation of the payment order, and a verification certificate for verifying the order is generated.

It should be noted that, in the case that the commodity transaction process is composed of three transaction stages of transaction reservation, pre-payment processing and verification payment processing, and the commodity transaction process is a commodity transaction under a credit system, the transaction reservation processing is different from the online commodity transaction processing, the commodity transaction between the user and the two parties of the merchant is not actually completed in the transaction reservation process, only transaction intention is preliminarily achieved or confirmation of transaction intention is carried out, the specific implementation mode of the transaction reservation can be credit-based transaction reservation or transaction offer, wherein the transaction order created according to the transaction reservation request can be a transaction reservation order;

In the pre-payment processing process, pre-payment of the payment bill under a credit system is realized by locking the credit transaction amount of the transaction subprogram on the basis of creating the payment bill, and funds transfer from a user account (a buyer account) to a merchant account (a seller account) and funds transfer from the credit transaction amount of the transaction subprogram to the merchant account are not performed, namely: in the pre-payment processing process, funds transfer is not carried out on a payment bill, meanwhile, commodity issuing or commodity delivery is not carried out after the pre-payment is completed, and the specific implementation mode of the pre-payment processing can be credit payment, credit-based payment preparation operation or credit-based payment preparation operation;

in the verification and payment processing process, verification of verification and verification certificates is carried out, and after verification of verification and verification certificates is passed, actual fund payment processing is carried out on a payment bill, namely: and (3) performing funds transfer from the user account (buyer account) to the merchant account (seller account) aiming at the payment bill, thereby completing the actual funds payment of the payment bill, and performing the issuing processing of the commodity corresponding to the transaction order, wherein the commodity can be issued to the user by the off-line merchant store where the merchant terminal is located, and the commodity shipment of the transaction order is completed, so that the closed loop of the transaction under the credit system is realized.

In the specific implementation, before the transaction reservation stage of commodity transaction, a user can access the commodity through a transaction subprogram in an application program operated by a user terminal, in the commodity access process, if the user intentionally initiates the transaction on the accessed commodity, an access instruction can be submitted for the commodity displayed by the transaction subprogram, the commodity can be jumped to a merchant subprogram in the application program from the transaction subprogram in response to the access instruction, the commodity details of the current commodity are displayed by the merchant subprogram, and on the basis, if the user selects the commodity to conduct the transaction, the transaction reservation request of the commodity can be generated through the merchant subprogram and submitted to a server.

After receiving the transaction reservation request of the commodity submitted by the user terminal, the transaction reservation processing process of the commodity is carried out, as described above, commodity transactions between the user and the two sides of the merchant are not actually completed in the transaction reservation process, only transaction intention is preliminarily achieved or confirmation of the transaction intention is carried out, the specific implementation mode of the transaction reservation can be credit-based transaction reservation or transaction offer, in particular, in the transaction reservation processing process, the transaction order of the commodity is created according to the transaction reservation request of the commodity submitted by the user terminal, and the created transaction order is returned to the user terminal, and the user terminal can display the transaction order of the commodity through the merchant subroutine.

Optionally, the commodity is displayed through a commodity list of the transaction subprogram, the transaction subprogram jumps to the merchant subprogram in response to the commodity access instruction, and the commodity detail page of the commodity is displayed in the merchant subprogram.

Optionally, the transaction reservation request is submitted by calling a transaction reservation component accessed by a merchant subroutine; the invoking of the transaction reservation component is performed after the transaction control of the item detail page configuration is triggered. The transaction reservation component is used for triggering transaction reservation, and on the basis that the merchant subprogram is accessed to the transaction reservation component, a user can call the transaction reservation component to generate a transaction reservation request of the commodity after the merchant subprogram submits a transaction instruction of the commodity, and the transaction reservation request of the commodity is sent to the server.

The merchant subprogram is a subprogram provided by a merchant and used for commodity transaction processing; the transaction subroutine refers to a subroutine for displaying goods and processing transactions based on credit. It should be noted that the transaction subroutine and the merchant subroutine are carried on the same application running on the user terminal, and the application can configure the payment component, and the payment processing is performed based on the configured payment component in the commodity transaction process. The subroutine means a program function module or an application component mounted on the application program, or a program function module or an application component mounted by the application program. From a service perspective, the subroutine has the ability to independently provide self-closing ring services; in addition, the service may be a function module of the application program or a corresponding service provided by the service module.

Optionally, the commodity includes an off-line commodity provided by an off-line store corresponding to the merchant by the merchant subroutine, and the merchant terminal may be a store terminal of the off-line store, such as a payment terminal or a cashing terminal of the off-line store.

Specifically, the off-line commodity can be a physical commodity, such as a physical commodity of a meal drink provided by an off-line restaurant store; alternatively, the off-line commodity may be a service commodity, such as a service class commodity such as accommodation services provided by an off-line hotel; in addition, the off-line commodity can be other commodities besides physical commodity and service commodity, such as digital commodity or virtual commodity.

For example, the commodity list of the transaction subprogram in the application program displays commodities of all merchants, and if a user submits an access instruction for the catering commodity of the off-line restaurant in the commodity list, the user jumps to the store subprogram of the off-line restaurant in the application program from the transaction subprogram;

after jumping to the store subprogram, the store subprogram displays the commodity detail page of the current food commodity, the commodity detail page is provided with an order making button, after the user clicks the order making button, the store subprogram invokes the accessed transaction reservation component to generate a transaction reservation request of the food commodity, after submitting the transaction reservation request to the server, a transaction order of the food commodity is created based on the transaction reservation request, the created transaction order is returned to the user terminal, the user terminal receives the transaction order of the food commodity, and the transaction order is displayed in the store subprogram.

In practical application, there is also a joint transaction mode in the commodity transaction process, where the joint transaction mode may be selling of commodities provided by merchants in a batch manner, and multiple users as buyers purchase the commodities provided by the merchants together, namely: the consolidated transaction model may also be referred to as a group shopping model or a group transaction model; in addition, the joint transaction mode can also be that the merchant sells goods at the price of a plurality of users buying goods together, and any user on the side of the buyer can buy goods of the merchant independently.

Optionally, the transaction processing mode of the commodity in the commodity list of the transaction subroutine is a joint transaction mode. And the merchant corresponding to the merchant subroutine submits the commodity to be transacted to the commodity list after signing the joint transaction protocol.

In a specific execution process, there is a possibility that a user cancels a transaction or interrupts the transaction in the transaction process, and for this, in an optional implementation manner provided in this embodiment, after a transaction order is returned to a user terminal, if the user terminal selects to cancel the transaction on the basis of receiving and displaying the transaction order, under the condition that a transaction cancellation request submitted by the user terminal is detected, order closing processing is performed on the transaction order; the order closing process may specifically be to mark the order status of the trade order as a cancel status or to delete the trade order.

Step S204, a payment list of the transaction order is created according to the pre-payment request submitted by the user terminal.

In the specific execution process, after a transaction order created according to a transaction reservation request of a commodity submitted by a user terminal is returned to the user terminal, the user terminal can display the transaction order of the commodity through a merchant subroutine after receiving the returned transaction order, on the basis, if a user wants to initiate payment for the transaction order, a pre-payment instruction can be submitted for the transaction order, the user terminal generates a pre-payment request based on the pre-payment instruction submitted by the user, and submits the generated pre-payment request to a server; here, in the case of receiving a pre-payment request submitted by the user terminal, a payment order for the trade order is created according to the pre-payment request.

The payment order may be a payment order created based on merchant information, user information, and commodity amount (transaction amount/order amount) recorded in the transaction order.

Along the above example, the user terminal receives a trade order of a food and beverage commodity, and in the process of displaying the trade order by the door store subprogram, the order display page of the trade order by the door store subprogram is provided with two payment buttons, wherein one payment button is a default payment button, and after the payment button is triggered, payment is carried out on a user account for payment; the other payment button is a pre-payment button, if the user is detected to trigger the pre-payment button, a pre-payment instruction submitted for the transaction order is generated, a pre-payment request corresponding to the pre-payment instruction is submitted to a server, and a payment order of the transaction order is created based on the submitted pre-payment instruction of the transaction order.

In a specific implementation, after the payment order of the transaction order is created according to the prepayment request, before the prepayment processing of the payment order is performed, credit payment verification may be performed, and the prepayment processing of the payment order is performed under the condition that the credit payment verification passes, so that the payment validity of the payment order is ensured by the credit payment verification, and in an alternative implementation provided in this embodiment, the credit payment verification is implemented in the following manner:

detecting whether a user to which the user terminal belongs opens the transaction authority of the transaction subprogram;

if yes, it is detected whether the credit rating of the user meets the credit admittance condition of the transaction subprogram, if yes, it is determined that the verification passes, the following step S206 is executed, the pre-payment processing of the payment bill is performed based on the credit transaction amount of the transaction subprogram, and a verification certificate of the commodity is generated and issued to the user terminal. The credit admittance condition may be that the credit rating is in a preset credit rating range or the credit rating is higher than a credit rating threshold, and if the credit rating of the user is in the preset credit rating range or the credit rating of the user is higher than the credit rating threshold, the credit rating of the user is indicated to meet the credit admittance condition.

In the process of detecting whether the user of the user terminal opens the transaction authority of the transaction subprogram, if the transaction authority of the transaction subprogram is detected not to be opened by the user, the transaction authority of the transaction subprogram is opened by the user, so that the subsequent prepayment processing of the payment bill is performed on the basis of the transaction authority of the transaction subprogram, the smooth recommendation of the prepayment processing process is ensured, and the commodity transaction success rate is improved. In an optional implementation manner provided in this embodiment, if the detection result of detecting whether the user to which the user terminal belongs opens the transaction authorization of the transaction subroutine is not open, an authorization opening page of the transaction subroutine is generated and issued to the user terminal, if the user terminal is detected to open the transaction authorization of the transaction subroutine based on the authorization opening request submitted by the authorization opening page, the following step S206 is executed on the basis, the pre-payment processing of the payment order is performed based on the credit transaction amount of the transaction subroutine, and a verification certificate of the commodity is generated and issued to the user terminal.

In addition, in the detection process of detecting whether the credit rating of the user meets the credit admittance condition of the transaction subroutine, if the credit rating of the user is detected not to meet the credit admittance condition of the transaction subroutine, namely: in an optional implementation manner provided in this embodiment, if the detection result of detecting whether the credit rating of the user meets the credit admittance condition of the transaction subroutine is not met, performing a check-up process on the user, calling a payment interface to transfer funds from the user account of the user after the check-up is passed, and performing payment process on the payment bill according to the transferred funds.

Step S206, pre-payment processing of the payment bill is carried out based on the credit transaction amount of the transaction subprogram, and verification certificates of the commodity are generated and issued to the user terminal.

The credit line of the transaction subroutine in this embodiment may be a credit line allocated to the transaction subroutine for transaction, a credit line allocated to a commodity transacted by the transaction subroutine in a transaction reservation manner, that is, a transaction reservation credit line, or a credit line allocated to a commodity transacted by the transaction subroutine in a joint transaction mode, that is, a joint transaction credit line; alternatively, the credit line may be allocated to the commodity which is simultaneously transacted by the transaction reservation method and the joint transaction mode.

It should be noted that, in the commodity transaction processing procedure provided in this embodiment, which is composed of three transaction stages of transaction reservation, pre-payment processing and verification payment processing, the essence is commodity transaction under a credit system, and by allocating credit transaction amount to the transaction subroutine, commodity transaction performed by the transaction subroutine is controlled within a certain range, so that credit risk and transaction risk caused by a large amount of payment violations of users participating in the transaction or a large amount of delivery failures of merchants participating in the transaction are avoided.

As described above, in the prepayment processing process, the prepayment of the payment sheet under the credit system is realized by locking the credit transaction amount of the transaction subroutine, and the funds transfer from the user account (buyer account) to the merchant account (seller account) and the funds transfer from the credit transaction amount of the transaction subroutine to the merchant account are not performed, namely: the funds transfer is not performed for the bill during the pre-payment processing, and meanwhile, commodity distribution or commodity shipment is not performed after the pre-payment is completed, and the specific implementation mode of the pre-payment processing can be credit payment, credit-based payment preparation operation or credit-based payment preparation operation.

In particular, in the process of pre-paying the payment bill based on the credit transaction line, the payment bill is pre-paid by locking or freezing the credit transaction line, so that the credit-based transaction is advanced to the next stage by locking or freezing the credit transaction line. Besides, on the basis of locking or freezing the credit transaction line, under the condition that the user cannot continue the transaction, a corresponding fund pool is configured for the credit transaction line, and fund payment can be carried out through the funds corresponding to the locked or frozen line part in the credit transaction line, so that the trade is achieved while the loss of the merchant is reduced, namely: the fund pool corresponding to the credit transaction amount can be used for carrying out payment processing of the payment bill under the condition that commodity release is successful and fund payment fails.

Specifically, in an optional implementation manner provided in this embodiment, the pre-payment processing of the payment bill based on the credit transaction amount of the transaction subroutine includes: and distributing corresponding sub-line to the order amount of the payment list in the available line of the credit transaction line, and locking the distributed sub-line.

It should be noted that the credit transaction line of the transaction subroutine is locked during the transaction, the locked line part of the credit transaction line cannot be used for the pre-payment locking of other payment orders in the locked state, and the pre-payment locking of other payment orders can be used only after the credit transaction line part is unlocked, and the available line of the credit transaction line refers to the unlocked line in the fund line of the credit transaction line.

In particular, in the process of allocating a corresponding sub-line to the order amount of the payment bill in the available line of the credit transaction line, the amount to be paid of the payment bill can be used as the line value of the sub-line, namely: and allocating a line part with the same line value as the payment amount of the payment bill to the payment bill in the available line of the credit transaction line as a sub-line, and locking the allocated sub-line on the basis of allocating the sub-line to the payment bill.

Along the above example, after the payment order of the transaction order is created, the available line of the credit transaction line of the transaction subroutine is locked, specifically, if the total line of the credit transaction line is 50 ten thousand, the available line is 41.1 ten thousand, the amount to be paid of the current payment order is 0.1 ten thousand yuan, 0.1 ten thousand of the available line of the credit transaction line is frozen in 41.1 ten thousand of the available line, and after the freezing, the remaining available line of the credit transaction line is 40 ten thousand.

In addition, the credit transaction line of the transaction subroutine does not need to set a line upper limit, and in the process of carrying out the pre-payment processing of the payment list based on the credit transaction line, corresponding sub-lines are allocated to the order amount of the payment list in the credit transaction line, and the allocated sub-lines are locked.

When the method is implemented, after the pre-payment processing of the payment bill is completed based on the credit transaction amount of the transaction subprogram, a verification certificate of the commodity is generated, wherein the verification certificate refers to a certificate of the commodity provided or issued by a merchant providing the commodity to a user purchasing the commodity, and the verification certificate can exist in the form of identification codes such as two-dimensional codes, bar codes and the like or can also exist in the form of digital sequences such as character sequences and the like; after the verification certificate is generated, the generated verification certificate is issued to the user terminal, and based on the issued verification certificate, the commodity of the current transaction can be applied for by displaying the verification certificate to the merchant, and the merchant provides or issues the commodity to the user after confirming that the verification certificate is correct.

In practical application, after the pre-payment processing of the payment list based on the credit transaction line, before the cancellation payment of the transaction order, there is also a possibility that the user cancels the transaction or interrupts the transaction, for which, in the basis of allocating the corresponding sub-line to the order amount of the payment list in the available line of the credit transaction line and locking the allocated sub-line, in an optional implementation provided in this embodiment, if the return request submitted by the user terminal is detected, the order state of the transaction order is updated to the return state; and carrying out invalid marking on the verification and cancel certificate, and carrying out unlocking processing on the sub-limit.

And step S208, if the verification request carrying the verification certificate submitted by the merchant terminal is detected, performing verification payment processing based on the verification certificate.

After the pre-payment processing of the payment order of the transaction order is completed and the verification and approval credential of the commodity is issued to the user terminal, the commodity of the current transaction can be applied to be obtained by displaying the verification and approval credential to the merchant based on the issued verification and approval credential, the merchant can provide or issue the commodity to the user after confirming that the verification and approval credential is correct, the verification and approval credential can be displayed to the merchant terminal of the merchant, the merchant terminal submits the verification and approval request carrying the verification and approval credential to the server after acquiring the verification and approval credential, and correspondingly, the verification and approval payment processing is performed based on the verification and approval credential carried by the verification and approval request under the condition that the verification and approval request submitted by the merchant terminal is detected.

In the verification and payment processing process provided in this embodiment, verification of verification and verification certificates is performed, and after verification of verification and verification certificates is passed, actual funds payment processing is performed on a payment sheet, namely: and transferring funds from the user account to the merchant account aiming at the payment bill, thereby completing the actual funds payment of the payment bill, and on the other hand, performing the issuing processing of the commodity corresponding to the transaction order, in particular, issuing the commodity to the user by an off-line merchant store where the merchant terminal is located, thereby completing commodity shipment of the transaction order.

It should be noted that, the commodity issuing process may be performed after the actual funds payment process of the payment order, so that commodity issuing after payment is completed can be ensured; in addition, the commodity dispensing process may be performed before the actual funds payment process of the payment sheet, thereby improving commodity dispensing efficiency.

In the pre-payment processing process of the payment list based on the credit transaction amount, corresponding sub-amounts are allocated to the order amount of the payment list in the available amount of the credit transaction amount, locking processing is performed on the allocated sub-amounts, and on the basis, in the process of verifying and verifying payment processing based on verification certificates, unlocking processing can be performed on the locked sub-amounts after the actual funds payment of the payment list is completed, so that occupation of the credit transaction amount after the actual funds payment of the payment list is completed is avoided, and the fund utilization efficiency of the credit transaction amount is improved.

Specifically, in an optional implementation manner provided in this embodiment, performing the verification and payment processing based on the verification and approval credential includes:

performing credential verification on the verification certificate carried by the verification request, transferring funds from a user account according to the payment amount of the payment bill after verification is passed, and transferring the transferred funds into a merchant account bound by the merchant terminal;

and unlocking the sub-limit, and issuing a commodity delivery instruction to the merchant terminal for commodity release.

In addition, under the condition that the merchant is an off-line merchant, after funds are transferred from the user account according to the payment amount of the payment bill, the transferred funds can be transferred to the merchant account of the merchant subprogram, so that the off-line merchant is assisted to realize on-line commodity transaction circulation processing through the cooperation of the merchant subprogram and the server.

As described above, in the case that the transaction processing mode of the commodity in the commodity list of the transaction subprogram is the joint transaction mode, the merchant corresponding to the merchant subprogram submits the commodity to be transacted to the commodity list after signing the joint transaction protocol, and the commodity transaction process realized in three transaction stages of transaction reservation, pre-payment processing and reimbursement payment processing can help the merchant to promote the transaction success rate of the commodity, reduce the fund pressure of the merchant, and avoid the fund loss caused by the fact that the commodity cannot be sold completely after the merchant prepares the commodity in advance.

performing credential verification on the verification certificate carried by the verification request, and transferring funds from the user account after the verification is passed;

calculating joint transaction fees according to joint transaction rates of the joint transaction modes and payment amounts of the payment orders; the joint transaction rate can be read from a joint transaction protocol signed by a merchant corresponding to the merchant subroutine;

and deducting the joint transaction fee from the funds transferred from the merchant, and transferring the deducted funds transferred from the merchant account of the merchant subroutine.

In a specific implementation, a user at one side of the user terminal may perform a transaction query during a transaction process or after the transaction is completed, and in an alternative implementation provided in this embodiment, if an order query request submitted by the user terminal is received, a transaction order query, a verification certificate query and/or a return detail query are performed; and assembling the order details according to the query result, and returning the order details obtained by assembling to the user terminal.

In summary, according to the one or more transaction processing methods provided in this embodiment, commodity transaction is performed in three transaction stages of transaction reservation, pre-payment processing and payment processing, a transaction order is created in the transaction reservation stage according to a transaction reservation request of a commodity submitted by a user terminal, the created transaction order is returned to the user terminal, a payment order of the transaction order is created in the pre-payment processing stage according to the pre-payment request submitted by the user terminal, pre-payment processing of the payment order is further performed based on credit transaction amount of a transaction subroutine, and a payment voucher of the commodity is generated and issued to the user terminal, so that a user can make payment for the commodity through the payment voucher, and funds are transferred from the user account to make payment of the payment order in the payment processing stage, thereby realizing that the transaction reservation and the pre-payment processing are performed in advance in an on-line manner, and commodity issuing and actual payment are performed in the off-line commodity payment process, the commodity is further processed in a transaction mode composed of the three transaction stages of reservation, the pre-payment processing and payment processing of the commodity is advanced, and the commodity in the transaction order is prevented from being issued in advance due to the on-sale success rate of the commodity in the transaction after the transaction process.

The transaction processing method provided in the embodiment can be applied to a server, and the transaction processing method provided in the embodiment is matched with the transaction processing method provided in the embodiment, so that the embodiment is read with reference to the transaction processing method provided in the embodiment, and the embodiment of the method can also be read with reference to the corresponding content of the embodiment.

The following describes the transaction processing method provided in this embodiment with reference to fig. 3 by taking an application of the transaction processing method provided in this embodiment to a group purchase scene as an example, and referring to fig. 3, the transaction processing method applied to a group purchase scene specifically includes the following steps.

Step S308, creating a trade order according to the trade reservation request of the group purchase commodity submitted by the user terminal. The transaction reservation request is submitted through a transaction reservation component which invokes a merchant subroutine to access.

Before the method, the user terminal responds to the access instruction of the group purchase commodity displayed in the group purchase subprogram, jumps to a merchant subprogram corresponding to the group purchase commodity from the group purchase subprogram, and calls a transaction reservation component through the merchant subprogram to generate a transaction reservation request of the group purchase commodity and submits the transaction reservation request.

Step S310, a trade order of the group purchase commodity is returned to the user terminal.

Step S318, a payment list of the transaction order is created according to the pre-payment request submitted by the user terminal.

Before the transaction order of the group purchase commodity returned by the server is received by the user terminal, the transaction order is displayed in the merchant subroutine, and a pre-payment request is generated and submitted based on a pre-payment instruction of the transaction order.

Step S320, payment verification processing is performed on the user to which the user terminal belongs.

Wherein the payment verification process includes: detecting whether a user belonging to a user terminal opens the transaction authority of the group purchase subprogram;

if yes, detecting whether the credit rating of the user meets the credit admittance condition of the group purchase subroutine, and if yes, determining that the verification passes; if the authorization opening page is not satisfied, generating an authorization opening page of the group purchase subprogram and issuing the authorization opening page to the user terminal, if the authorization opening request submitted by the user terminal based on the authorization opening page is detected, opening the transaction authorization of the group purchase subprogram to the user, and determining that verification passes;

if not, the user is subjected to body checking, a payment interface is called to transfer out funds from the user account after the body checking is passed, and payment processing of a payment list is performed according to the transferred funds.

Step S322, if the verification is passed, the pre-payment processing of the payment bill is performed based on the credit transaction amount of the group purchase subroutine.

Wherein, the credit transaction line based on the group purchase subprogram carries out the pre-payment processing of the payment list, which comprises the following steps: and distributing corresponding sub-line to the order amount of the payment list in the available line of the credit transaction line, and locking the distributed sub-line.

And step S324, generating a verification certificate of the group purchase commodity and issuing the verification certificate to the user terminal.

After that, the user terminal receives the verification certificate of the group purchase commodity issued by the server, so as to carry out verification payment processing according to the verification certificate.

And step S328, if the verification request with the verification certificate submitted by the merchant terminal is detected, performing verification payment processing based on the verification certificate.

Wherein, cancel the payment processing based on cancel the voucher, include: performing credential verification on the verification credentials, transferring funds from a user account according to the payment amount of a payment bill after the verification passes, transferring the transferred funds to a merchant account bound by a merchant terminal, performing unlocking processing on the sub-amount, and issuing commodity delivery instructions to the merchant terminal for commodity release;

or, performing the approval payment processing based on the approval document, including: and carrying out certificate verification on the verification certificate, carrying out fund transfer from the user account after the verification is passed, calculating the group purchase cost according to the group purchase rate and the payment amount of the payment bill, deducting the group purchase cost from the transferred funds obtained by the fund transfer, and transferring the deducted transferred funds to the merchant account of the merchant subroutine.

The steps S308 to S310, S318 to S324 and S328 provided in this embodiment are executed by a server, and it should be noted that, the server executes the processing procedures of the steps S308 to S310, S318 to S324 and S328, and the processing procedures of the steps S302 to S306, S312 to S316 and S326 executed by the user terminal in this embodiment may cooperate with each other in the execution process, so that the corresponding contents of the steps S308 to S310, S318 to S324 and S328 executed by the user terminal in this embodiment are read, and the corresponding contents of the steps S302 to S306, S312 to S316 and S326 executed by the user terminal in this embodiment may be read by referring to the corresponding contents of the steps S308 to S310, S318 to S324 and S328 executed by the user terminal in this embodiment.

The following describes the transaction processing method provided in this embodiment with reference to fig. 4 by taking an application of the transaction processing method provided in this embodiment to an online commodity transaction scenario as an example, and referring to fig. 4, the transaction processing method applied to an online commodity transaction specifically includes the following steps.

Step S408, creating a trade reservation order according to the trade reservation request of the off-line commodity submitted by the user terminal. The transaction reservation request is submitted through a transaction reservation component which invokes a merchant subroutine to access.

Before the online commodity online reservation system is used, the user terminal responds to an access instruction of the online commodity displayed in the transaction subprogram, jumps to a merchant subprogram corresponding to the online commodity from the transaction subprogram, and invokes the transaction reservation component through the merchant subprogram to generate a transaction reservation request of the online commodity and submits the transaction reservation request to the user terminal.

Step S410, return the trade reservation order of the commodity to the user terminal.

Step S418, a payment order of the transaction order is created according to the pre-payment request submitted by the user terminal.

Before the transaction reservation order of the off-line commodity returned by the server is received by the user terminal, the transaction reservation order is displayed in the merchant subroutine, and a pre-payment request is generated and submitted based on a pre-payment instruction of the transaction reservation order.

Step S420, pre-payment processing of the payment sheet is performed based on the credit line of the transaction subroutine.

Wherein, the pre-payment processing of the payment list based on the credit transaction line of the transaction subprogram comprises the following steps: and distributing corresponding sub-line to the order amount of the payment list in the available line of the credit transaction line, and locking the distributed sub-line.

Step S422, the verification certificate of the off-line commodity is generated and issued to the user terminal.

After that, the user terminal receives the verification certificate of the off-line commodity issued by the server, so as to carry out verification payment processing according to the verification certificate.

Step S426, if the verification request with verification certificates submitted by the merchant terminal is detected, verification payment processing of the transaction reservation order is performed based on the verification certificates.

Wherein, cancel the payment processing based on cancel the voucher, include: and carrying out credential verification on the verification credentials, transferring funds from the user account according to the payment amount of the payment bill after the verification is passed, transferring the transferred funds to the merchant account of the merchant subprogram, carrying out unlocking processing on the sub-unit, and issuing commodity delivery instructions to the merchant terminal for commodity release.

The steps S408 to S410, S418 to S422 and S426 provided in the present embodiment are executed by a server, and it should be noted that the processing procedures of the steps S408 to S410, S418 to S422 and S426 executed by the server and the processing procedures of the steps S402 to S406, S412 to S416 and S424 executed by the user terminal in the following embodiments may be mutually matched in the execution process; therefore, the present embodiment refers to the corresponding contents of steps S402 to S406, steps S412 to S416 and S424 executed by the user terminal in the following embodiments, and the corresponding contents of steps S402 to S406, steps S412 to S416 and S424 executed by the user terminal in the following embodiments can be referred to the corresponding contents of steps S408 to S410, steps S418 to S422 and S426 executed by the server in the present embodiment.

One or more embodiments of another transaction processing method provided herein are as follows:

referring to fig. 5, the transaction processing method provided in the present embodiment specifically includes steps S502 to S508.

Step S502, responding to the access instruction of the commodity displayed in the transaction subprogram, and jumping to the merchant subprogram corresponding to the commodity.

In the specific implementation, before the transaction reservation stage of commodity transaction, a user can access the commodity through a transaction subprogram in an application program operated by a user terminal, in the commodity access process, if the user intentionally initiates the transaction to the accessed commodity, an access instruction can be submitted for the commodity displayed by the transaction subprogram, and in response to the access instruction, the commodity can jump from the transaction subprogram to a merchant subprogram in the application program, and the commodity details of the current commodity are displayed by the merchant subprogram.

Optionally, the commodity is displayed through a commodity list of the transaction subprogram, and after the transaction subprogram responds to the access instruction of the commodity and jumps to the merchant subprogram, the commodity detail page of the commodity is displayed in the merchant subprogram;

Optionally, the commodity includes an off-line commodity provided by an off-line store corresponding to the merchant subroutine, and the merchant terminal of the merchant includes a store terminal of the off-line store, such as a payment terminal or a cashing settlement terminal of the off-line store. Specifically, the off-line commodity can be a physical commodity, such as a physical commodity of a meal drink provided by an off-line restaurant store; alternatively, the off-line commodity may be a service commodity, such as a service class commodity such as accommodation services provided by an off-line hotel; in addition, the off-line commodity can be other commodities besides physical commodity and service commodity, such as digital commodity or virtual commodity.

For example, the commodity list of the transaction subprogram in the application program displays commodities of all merchants, and if the user submits an access instruction for the restaurant commodity of the off-line restaurant in the commodity list, the transaction subprogram jumps to the store subprogram of the off-line restaurant in the application program.

Optionally, the transaction processing mode of the commodity in the commodity list of the transaction subprogram is a joint transaction mode, and the merchant corresponding to the merchant subprogram submits the commodity to be transacted to the commodity list after signing a joint transaction protocol.

Step S504, the merchant subroutine calls a transaction reservation component to generate a transaction reservation request of the commodity, submits the transaction reservation request to a server and receives a transaction order returned by the server.

After the transaction subprogram jumps to the merchant subprogram, if the user selects the commodity to conduct transaction, a transaction reservation request of the commodity can be generated through the merchant subprogram and submitted to the server, the server conducts a transaction reservation processing process of the commodity after receiving the transaction reservation request of the commodity submitted by the user terminal, as described above, commodity transaction of the user and the merchant is not actually completed in the transaction reservation process, only transaction intention is preliminarily achieved or confirmation of the transaction intention is conducted, a specific implementation mode of the transaction reservation can be transaction reservation or transaction offer, in particular, in the transaction reservation processing process, a transaction order of the commodity is created according to the transaction reservation request of the commodity submitted by the user terminal, and the created transaction order is returned to the user terminal, and the user terminal can display the transaction order of the commodity through the merchant subprogram.

Optionally, the invoking of the transaction reservation component is performed after the triggering of the transaction control of the item detail page configuration. The transaction reservation component is used for triggering transaction reservation, and on the basis that the merchant subprogram is accessed to the transaction reservation component, a user can call the transaction reservation component to generate a transaction reservation request of the commodity after the merchant subprogram submits a transaction instruction of the commodity, and the transaction reservation request of the commodity is sent to the server.

According to the method, after the transaction subprogram is jumped to the store subprogram, the store subprogram displays the commodity detail page of the current food and beverage commodity, the commodity detail page is provided with an order making button, after a user clicks the order making button, the store subprogram calls an accessed transaction reservation component to generate a transaction reservation request of the food and beverage commodity, after the transaction reservation request is submitted to a server, a transaction order of the food and beverage commodity is created based on the transaction reservation request, the created transaction order is returned to a user terminal, the user terminal receives the transaction order of the food and beverage commodity, and the transaction order is displayed in the store subprogram.

Step S506, based on the pre-payment instruction of the transaction order, a pre-payment request is generated and submitted to the server.

In the specific implementation process, after receiving a transaction order which is returned by the server and created according to a transaction reservation request of a commodity, the user terminal can display the transaction order of the commodity through a merchant subprogram, on the basis, if a user wants to initiate payment for the transaction order, a pre-payment instruction can be submitted for the transaction order, the user terminal generates a pre-payment request based on the pre-payment instruction submitted by the user, and submits the generated pre-payment request to the server, and the server creates a payment order of the transaction order according to the pre-payment request under the condition that the pre-payment request submitted by the user terminal is received, and further performs pre-payment processing of the payment order based on the credit transaction amount of the transaction subprogram.

The payment order may be a payment order created according to merchant information, user information, and commodity amount (transaction amount/order amount) recorded in the transaction order.

Along the above example, the user terminal receives a trade order of a food and beverage commodity, and in the process of displaying the trade order by the door store subprogram, the order display page of the trade order by the door store subprogram is provided with two payment buttons, wherein one payment button is a default payment button, and after the payment button is triggered, payment is carried out on a user account for payment; the other payment button is a pre-payment button, if the user is detected to trigger the pre-payment button, a pre-payment instruction submitted for the transaction order is generated, a pre-payment request corresponding to the pre-payment instruction is submitted to a server, and a payment order of the transaction order is created based on the submitted pre-payment instruction of the transaction order;

after the payment order of the transaction order is created, locking the available credit line of the credit transaction subroutine, specifically, if the total credit line of the credit transaction subroutine is 50 ten thousand, the available credit line is 41.1 ten thousand, the amount to be paid of the current payment order is 0.1 ten thousand, 0.1 ten thousand is frozen in the available credit line of 41.1 ten thousand, and after the freezing, the remaining available credit line of the credit transaction subroutine is 40 ten thousand.

And step S508, receiving the verification and approval certificate of the commodity issued by the server, so as to perform verification and approval payment processing according to the verification and approval certificate.

After submitting the pre-payment request to the server, the server creates a payment form of the transaction order according to the pre-payment request, performs pre-payment processing of the payment form based on the credit transaction amount of the transaction subprogram, and then generates a verification certificate of the commodity, wherein the verification certificate refers to a certificate of the commodity provided or issued by a merchant providing the commodity to a user purchasing the commodity, and the verification certificate can exist in the form of identification codes such as two-dimensional codes, bar codes and the like, or can exist in the form of digital sequences such as a character sequence and the like; after the verification certificate is generated, the server issues the generated verification certificate to the user terminal, the verification certificate issued by the server is received, after the verification certificate is received, the commodity of the current transaction can be applied and obtained by displaying the verification certificate to the merchant, and the merchant provides or issues the commodity to the user after confirming that the verification certificate is correct. Optionally, the verification certificate is issued after pre-payment processing of the payment sheet based on the credit transaction amount of the transaction subroutine.

Specifically, in an optional implementation manner provided in this embodiment, the verifying and paying process according to the verifying and verifying certificate includes:

performing credential verification on the verification credential, transferring funds from the user account according to the payment amount of the payment bill after verification is passed, and transferring the transferred funds to a merchant account bound by a merchant terminal of a merchant;

The transaction processing method provided in the embodiment can be applied to a user terminal, and is matched with the transaction processing method provided in the embodiment and applied to a server in the execution process, so that the reading of the embodiment can refer to the transaction processing method provided in the embodiment of the method and applied to the server, and similarly, the reading of the embodiment of the method can refer to the corresponding content of the embodiment.

The following further describes the transaction processing method provided in this embodiment with reference to fig. 3 by taking an application of another transaction processing method provided in this embodiment to a group purchase scene as an example, and referring to fig. 3, the transaction processing method applied to a group purchase scene specifically includes the following steps.

Step S302, responding to the access instruction of the group purchase commodity displayed in the group purchase subprogram, and jumping from the group purchase subprogram to the merchant subprogram corresponding to the group purchase commodity.

Step S304, a transaction reservation component is invoked by a merchant subroutine to generate a transaction reservation request for group purchase of goods.

Step S306, submitting a transaction reservation request of the group purchase commodity to a server.

After the transaction reservation request is submitted to the server, the server creates a transaction order for purchasing the commodity according to the transaction reservation request of the group-purchased commodity submitted by the user terminal.

Step S312, receiving the trade order of the group purchase commodity returned by the server, and displaying the trade order in the merchant subroutine.

In step S314, a prepayment request is generated based on the prepayment instruction of the trade order.

Step S316, submitting the pre-payment request to the server.

After the pre-payment request is submitted to the server, the server creates a payment list of the transaction order according to the pre-payment request submitted by the user terminal, performs payment verification processing on the user to which the user terminal belongs, performs pre-payment processing on the payment list based on the credit transaction amount of the group purchase subroutine after verification is passed, and generates a verification certificate of the group purchase commodity to be issued to the user terminal.

And step S326, receiving verification certificates of the group purchase goods issued by the server, so as to perform verification payment processing according to the verification certificates.

The verification certificate is issued after the payment list is subjected to pre-payment processing based on the credit transaction line of the group purchase subprogram. The pre-payment processing of the payment bill based on the credit transaction line of the group purchase subprogram comprises the following steps: and distributing corresponding sub-line to the order amount of the payment list in the available line of the credit transaction line, and locking the distributed sub-line.

performing a validation payment process based on the validation voucher, comprising: and carrying out certificate verification on the verification certificate, carrying out fund transfer from the user account after the verification is passed, calculating the group purchase cost according to the group purchase rate and the payment amount of the payment bill, deducting the group purchase cost from the transferred funds obtained by the fund transfer, and transferring the deducted transferred funds to the merchant account of the merchant subroutine.

The following further describes the transaction processing method provided in this embodiment with reference to fig. 4 by taking an application of another transaction processing method provided in this embodiment to online commodity transaction as an example, and referring to fig. 4, the transaction processing method applied to online commodity transaction specifically includes the following steps.

Step S402, responding to the access instruction of the off-line commodity displayed in the transaction subprogram, and jumping from the transaction subprogram to the merchant subprogram corresponding to the off-line commodity.

Step S404, a transaction reservation component is invoked by the merchant subroutine to generate a transaction reservation request for the off-line merchandise.

Step S406, submitting a transaction reservation request of the off-line commodity to the server.

Step S412, receiving the trade reservation order of the off-line commodity returned by the server, and displaying the trade reservation order in the merchant subroutine.

In step S414, a prepayment request is generated based on the prepayment instruction of the transaction reservation order.

Step S416, submitting the pre-payment request to the server.

Step S424, the verification certificate of the off-line commodity issued by the server is received, so that verification payment processing is performed according to the verification certificate.

Wherein the validation voucher is issued after a pre-payment process for the payment sheet based on the credit line of the transaction subroutine. Pre-payment processing of a payment sheet based on a credit transaction line of a transaction subroutine, comprising: and distributing corresponding sub-line to the order amount of the payment list in the credit transaction line, and locking the distributed sub-line.

Performing a validation payment process based on the validation voucher, comprising: and carrying out credential verification on the verification credentials, transferring funds from the user account according to the payment amount of the payment bill after the verification is passed, transferring the transferred funds to the merchant account of the merchant subprogram, carrying out unlocking processing on the sub-unit, and issuing commodity delivery instructions to the merchant terminal for commodity release.

An embodiment of a transaction processing device provided in the present specification is as follows:

in the foregoing embodiments, a transaction processing method applied to a server is provided, and a transaction processing device running on the server is provided correspondingly, which is described below with reference to the accompanying drawings.

Referring to fig. 6, a schematic diagram of an embodiment of a transaction processing device according to the present embodiment is shown.

Since the apparatus embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions should be referred to the corresponding descriptions of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides a transaction processing apparatus, which operates on a server, the apparatus including:

a trade order creation module 602 configured to create a trade order according to a trade reservation request of a commodity submitted by a user terminal, and return the trade order to the user terminal; the transaction reservation request is submitted by calling a transaction reservation component accessed by a merchant subroutine;

a payment order creation module 604 configured to create a payment order for the transaction order according to a pre-payment request submitted by the user terminal;

A pre-payment processing module 606 configured to perform pre-payment processing of the payment sheet based on a credit transaction amount of a transaction subroutine, and generate a verification certificate of the commodity and issue the verification certificate to the user terminal;

and the verification and approval payment processing module 608 is configured to perform verification and approval payment processing based on the verification and approval credential if a verification and approval request carrying the verification and approval credential submitted by the merchant terminal is detected.

Another example of a transaction processing device provided in this specification is as follows:

in the foregoing embodiments, a transaction processing method applied to a user terminal is provided, and a transaction processing device running in the user terminal is provided correspondingly, which is described below with reference to the accompanying drawings.

Referring to fig. 7, a schematic diagram of an embodiment of a transaction processing device according to the present embodiment is shown.

The present embodiment provides a transaction processing device, which is operated in a user terminal, and the device includes:

A subroutine jump module 702 configured to jump to a merchant subroutine corresponding to a commodity presented in a transaction subroutine in response to an access instruction of the commodity;

a transaction reservation request submitting module 704 configured to invoke a transaction reservation component by the merchant subroutine to generate a transaction reservation request for the commodity and submit the transaction reservation request to a server, and receive a transaction order returned by the server;

a pre-payment request generation module 706 configured to generate a pre-payment request based on a pre-payment instruction of the trade order and submit the pre-payment request to the server;

a verification certificate receiving module 708 configured to receive a verification certificate of the commodity issued by the server, so as to perform verification payment processing according to the verification certificate; the verification certificate is issued after pre-payment processing of the payment sheet based on the credit transaction amount of the transaction subroutine.

One embodiment of a server provided in this specification is as follows:

in response to the above-described transaction processing method applied to a server, one or more embodiments of the present disclosure further provide a server for executing the above-provided transaction processing method applied to a server, and fig. 8 is a schematic structural diagram of a server provided by one or more embodiments of the present disclosure, based on the same technical concept.

The server provided in this embodiment includes:

as shown in fig. 8, the server may have a relatively large difference due to different configurations or performances, and may include one or more processors 801 and a memory 802, where the memory 802 may store one or more storage applications or data. Wherein the memory 802 may be transient storage or persistent storage. The application programs stored in memory 802 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a server. Still further, the processor 801 may be configured to communicate with a memory 802 and execute a series of computer executable instructions in the memory 802 on a server. The server(s) 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, and the like.

In a particular embodiment, a server 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 server, and configured to be executed by the one or more processors, the one or more programs comprising computer-executable instructions for:

Creating a trade order according to a trade reservation request of commodities submitted by a user terminal, and returning the trade order to the user terminal; the transaction reservation request is submitted by calling a transaction reservation component accessed by a merchant subroutine;

creating a payment list of the transaction order according to a pre-payment request submitted by the user terminal;

pre-paying the payment bill based on the credit transaction amount of the transaction subprogram, generating a verification certificate of the commodity and issuing the verification certificate to the user terminal;

and if the verification request carrying the verification certificate submitted by the merchant terminal is detected, performing verification payment processing based on the verification certificate.

An embodiment of a user terminal provided in the present specification is as follows:

corresponding to the transaction processing method applied to the user terminal described above, one or more embodiments of the present disclosure further provide a user terminal, which is configured to execute the transaction processing method applied to the user terminal provided above, and fig. 9 is a schematic structural diagram of one or more embodiments of the present disclosure.

The user terminal provided in this embodiment includes:

As shown in fig. 9, the user terminal may have a relatively large difference due to different configurations or performances, and may include one or more processors 901 and a memory 902, where the memory 902 may store one or more storage applications or data. Wherein the memory 902 may be transient storage or persistent storage. The application programs stored in the memory 902 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in the user terminal. Still further, the processor 901 may be arranged to communicate with the memory 902 and execute a series of computer executable instructions in the memory 902 on a user terminal. The user terminal may also include one or more power supplies 903, one or more wired or wireless network interfaces 904, one or more input/output interfaces 905, one or more keyboards 906, and the like.

In a particular embodiment, a user terminal includes a memory, and one or more programs, where 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 user terminal, and configured to be executed by one or more processors, the one or more programs including computer-executable instructions for:

Responding to an access instruction of the commodity displayed in the transaction subprogram, and jumping to a merchant subprogram corresponding to the commodity;

the merchant subprogram is used for calling a transaction reservation component to generate a transaction reservation request of the commodity and submitting the transaction reservation request to a server, and a transaction order returned by the server is received;

generating a prepayment request based on the prepayment instruction of the transaction order and submitting the prepayment request to the server;

receiving a verification certificate of the commodity issued by the server, and performing verification payment processing according to the verification certificate; the verification certificate is issued after pre-payment processing of the payment sheet based on the credit transaction amount of the transaction subroutine.

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

corresponding to a transaction processing method applied to a server as described above, one or more embodiments of the present specification further provide a storage medium based on the same technical concept.

The storage medium provided in this embodiment is configured to store computer executable instructions that, when executed by a processor, implement the following flow:

It should be noted that, in the present specification, an embodiment of a storage medium and an embodiment of a transaction processing method applied to a server in the present specification are based on the same inventive concept, so that a specific implementation of the embodiment may refer to an implementation of the foregoing corresponding method, and a repetition is omitted.

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

corresponding to one transaction processing method applied to the user terminal described above, one or more embodiments of the present specification further provide another storage medium based on the same technical concept.

It should be noted that, in this specification, an embodiment of another storage medium and an embodiment of a transaction processing method applied to a user terminal in this specification are based on the same inventive concept, so that a specific implementation of this embodiment may refer to an implementation of the foregoing corresponding method, and a repetition is omitted.

In this specification, each embodiment is described in a progressive manner, and the same or similar parts of each embodiment are referred to each other, and each embodiment focuses on the differences from other embodiments, for example, an apparatus embodiment, and a storage medium embodiment, which are all similar to a method embodiment, so that description is relatively simple, and relevant content in reading apparatus embodiments, and storage medium embodiments is referred to the part description of the method embodiment.

The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can 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 are also possible or may be advantageous.

In the 30 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.

The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each unit may be implemented in the same piece or pieces of software and/or hardware when implementing the embodiments of the present specification.

One skilled in the relevant 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 present description can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.

The present description is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the specification. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable 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 one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

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

Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Disks (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising at least one … …" 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 specification 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 foregoing description is by way of example only and is not intended to limit the present disclosure. Various modifications and changes may occur to those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. that fall within the spirit and principles of the present document are intended to be included within the scope of the claims of the present document.

Claims

1. A transaction processing method applied to a server, the method comprising:

2. The transaction processing method according to claim 1, wherein the commodity is presented through a commodity list of the transaction subroutine, the transaction subroutine jumps to the merchant subroutine in response to an access instruction of the commodity, and a commodity detail page of the commodity is presented at the merchant subroutine;

Wherein the invoking of the transaction reservation component is performed after the transaction control of the item detail page configuration is triggered.

3. The transaction processing method of claim 1, the commodity comprising an off-line commodity provided by an off-line store of a merchant corresponding to the merchant subroutine, the merchant terminal comprising a store terminal of the off-line store.

4. The transaction processing method according to claim 1, wherein the transaction processing mode of the commodity in the commodity list of the transaction subroutine is a joint transaction mode;

and the merchant corresponding to the merchant subroutine submits the commodity to be transacted to the commodity list after signing the joint transaction protocol.

5. The transaction processing method according to claim 4, the performing a cancellation payment process based on the cancellation voucher, comprising:

calculating joint transaction fees according to joint transaction rates of the joint transaction modes and payment amounts of the payment orders;

6. The transaction processing method according to claim 1, wherein the transaction sub-program-based credit transaction amount performs the pre-payment processing of the payment sheet, including:

distributing corresponding sub-line to the order amount of the payment list in the available line of the credit transaction line, and locking the distributed sub-line;

correspondingly, the verifying and paying process based on the verifying and paying certificate comprises the following steps:

7. The transaction processing method according to claim 1, after the step of creating the payment order according to the pre-payment request submitted by the user terminal is performed, and before the step of issuing the transaction order to the user terminal by generating the verification certificate of the commodity by pre-payment processing of the payment order based on the credit transaction amount of the transaction subroutine, further comprising:

if yes, detecting whether the credit rating of the user meets the credit admittance condition of the transaction subprogram, if yes, determining that the verification is passed, executing the credit transaction amount based on the transaction subprogram to perform the pre-payment processing of the payment bill, and generating a verification certificate of the commodity to issue to the user terminal.

8. The transaction processing method according to claim 7, wherein if the execution result after the execution of the transaction authority step of detecting whether the user to which the user terminal belongs opens the transaction subroutine is no, the following operations are executed:

generating an authority opening page of the transaction subprogram and issuing the authority opening page to the user terminal;

if the user terminal is detected to open the transaction authority of the transaction subprogram to the user based on the authority opening request submitted by the authority opening page, executing the credit transaction amount based on the transaction subprogram to perform the pre-payment processing of the payment bill, generating a verification certificate of the commodity and issuing the verification certificate to the user terminal.

9. The transaction processing method according to claim 7, wherein if the execution result after the execution of the step of detecting whether the credit rating of the user satisfies the credit admission condition of the transaction subroutine is not satisfied, the following operations are executed:

And carrying out body checking processing on the user, calling a payment interface to transfer out funds from a user account after the body checking is passed, and carrying out payment processing on the payment list according to the transferred funds.

10. The transaction processing method according to claim 1, wherein the creating a transaction order according to a transaction reservation request of a commodity submitted by a user terminal, and after the returning the transaction order to the user terminal is performed, further comprises:

and if the transaction cancellation request submitted by the user terminal is detected, closing the transaction order.

11. The transaction processing method according to claim 6, wherein after the transaction sub-program-based credit transaction amount performs the pre-payment processing of the payment sheet and the generation of the verification certificate of the commodity is performed to the user terminal, the transaction processing method further comprises:

if the order returning request submitted by the user terminal is detected, updating the order state of the transaction order into an order returning state;

and carrying out invalid marking on the verification and cancel certificate, and carrying out unlocking processing on the sub-limit.

12. The transaction processing method of claim 1, further comprising:

if an order inquiry request submitted by the user terminal is received, transaction order inquiry, verification certificate inquiry and/or order return detail inquiry are carried out;

And assembling the order details according to the query result, and returning the order details obtained by assembling to the user terminal.

13. A transaction processing method applied to a user terminal, the method comprising:

14. The transaction processing method according to claim 13, wherein the commodity is displayed through a commodity list of the transaction subroutine, and the commodity detail page of the commodity is displayed at the merchant subroutine after the transaction subroutine jumps to the merchant subroutine in response to an access instruction of the commodity;

15. The transaction processing method of claim 13, the commodity comprising an off-line commodity provided by an off-line store of a merchant corresponding to the merchant subroutine, the merchant terminal of the merchant comprising a store terminal of the off-line store;

the commodity list of the commodity sub-program is provided with a commodity processing mode which is a joint transaction mode, and the commodity to be transacted is submitted to the commodity list by the merchant corresponding to the merchant sub-program after signing a joint transaction protocol.

16. The transaction processing method according to claim 13, wherein the pre-payment processing of the payment sheet based on the credit transaction amount of the transaction subroutine includes:

and performing verification and payment processing according to the verification and payment certificate, wherein the verification and payment processing comprises the following steps:

performing credential verification on the verification credential, transferring funds from the user account according to the payment amount of the payment bill after verification is passed, and transferring the transferred funds to a merchant account bound by a merchant terminal;

17. The transaction processing method according to claim 15, the performing a cancellation payment process according to the cancellation voucher, comprising:

18. A transaction processing device, operable on a server, the device comprising:

the transaction order creation module is configured to create a transaction order according to a transaction reservation request of the commodity submitted by the user terminal, and return the transaction order to the user terminal; the transaction reservation request is submitted by calling a transaction reservation component accessed by a merchant subroutine;

a payment order creation module configured to create a payment order for the transaction order according to a pre-payment request submitted by the user terminal;

The pre-payment processing module is configured to perform pre-payment processing of the payment bill based on credit transaction amount of a transaction subprogram, generate a verification certificate of the commodity and issue the verification certificate to the user terminal;

and the verification and payment processing module is configured to perform verification and payment processing based on the verification and payment certificate if a verification and payment request carrying the verification and payment certificate submitted by the merchant terminal is detected.

19. A transaction processing device, operable at a user terminal, the device comprising:

a subroutine jump module configured to jump to a merchant subroutine corresponding to a commodity in response to an access instruction of the commodity presented in a transaction subroutine;

the transaction reservation request submitting module is configured to call a transaction reservation component through the merchant subprogram to generate a transaction reservation request of the commodity, submit the transaction reservation request to a server and receive a transaction order returned by the server;

a pre-payment request generation module configured to generate a pre-payment request based on a pre-payment instruction of the trade order and submit the pre-payment request to the server;

the verification and approval certificate receiving module is configured to receive verification and approval certificates of the commodity issued by the server so as to carry out verification and approval payment processing according to the verification and approval certificates; the verification certificate is issued after pre-payment processing of the payment sheet based on the credit transaction amount of the transaction subroutine.

20. A server, comprising:

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

21. A user terminal, comprising:

22. A storage medium storing computer-executable instructions that when executed by a processor implement the following:

23. A storage medium storing computer-executable instructions that when executed by a processor implement the following: