CN117853111A - Quick payment method, device, equipment and computer readable storage medium - Google Patents

Quick payment method, device, equipment and computer readable storage medium Download PDF

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Publication number
CN117853111A
CN117853111A CN202311725446.6A CN202311725446A CN117853111A CN 117853111 A CN117853111 A CN 117853111A CN 202311725446 A CN202311725446 A CN 202311725446A CN 117853111 A CN117853111 A CN 117853111A
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China
Prior art keywords
payer
order
payment
account
party
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CN202311725446.6A
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Chinese (zh)
Inventor
张晓飞
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Advanced New Technologies Co Ltd
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Advanced New Technologies Co Ltd
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Priority to CN202311725446.6A priority Critical patent/CN117853111A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/29—Payment schemes or models characterised by micropayments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • Computer Security & Cryptography (AREA)
  • Economics (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Embodiments of the present disclosure provide a fast payment method, apparatus, device, and computer-readable storage medium. The quick payment method comprises the following steps: in response to a confirmation of an order by a payee and a deduction operation of a payer, querying whether an asset of the payer in a third-party payment account on a third-party paymate is sufficient to pay the order; responsive to query results of the payer in a third-party payment account on the third-party paymate sufficient to pay the order, freezing the assets in the third-party payment account sufficient to pay the order as a guarantee of the payment of the order by the payer; notifying the payer of the successful payment of the order responsive to successful freezing of the result of sufficient of the assets in the third party payment account to pay for the order.

Description

Quick payment method, device, equipment and computer readable storage medium
Technical Field
The embodiment of the disclosure relates to the technical field of Internet, in particular to a quick payment method, a quick payment device, quick payment equipment and a computer readable storage medium.
Background
In payment-related techniques, third party payment scenarios, such as off-line third party payment scenarios, typically employ an automated deduction scheme. That is, all third party platforms of the payer/buyer are traversed over the bound assets until payment is successful. If the payer has multiple bank cards, the payment process will interact multiple times with the bank end. Because the time consumption of the bank card payment is high, the time consumption of the whole off-line third party payment process is prolonged, and a payer needs to wait for a long time to acquire a payment result. Moreover, the system interaction between the third party payment mechanism and the bank end has the problem of bill dropping, so that the payment success rate of the bank card bound by the payer on the third party payment platform is much lower than that of the third party payment account of the payer on the third party payment platform, thereby reducing the payment willingness of the payer.
Thus, there is a need for a fast payment scheme that can be free of the risk of dropping a bill.
Disclosure of Invention
In view of this, a first aspect of the present disclosure provides a quick payment method, including:
in response to a confirmation of an order by a payee and a deduction operation of a payer, querying whether an asset of the payer in a third-party payment account on a third-party paymate is sufficient to pay the order;
responsive to query results of the payer in a third-party payment account on the third-party paymate sufficient to pay the order, freezing the assets in the third-party payment account sufficient to pay the order as a guarantee of the payment of the order by the payer;
notifying the payer of the successful payment of the order responsive to successful freezing of the result of sufficient of the assets in the third party payment account to pay for the order.
A second aspect of the present disclosure provides a quick payment device, comprising:
a query module configured to query whether an asset of a payer in a third-party payment account on a third-party paymate is sufficient to pay an order of the payer in response to a confirmation of the order by the payee and a deduction operation;
a freeze module configured to freeze, as a guarantee of payment for the order by the payer, assets in a third-party payment account in the third-party payment platform that are sufficient to pay the order in response to a query result of the payment by the payer for the sufficient to pay the order;
a first notification module configured to notify the payer of a result that the order has been successfully paid in response to the freezing module successfully freezing the result of sufficient assets in the third-party payment account to pay for the order.
A third aspect of the present disclosure provides an electronic device comprising a memory and a processor; wherein the memory is configured to store one or more computer instructions, wherein the one or more computer instructions are executed by the processor to implement the method of the first aspect.
A fourth aspect of the present disclosure provides a computer readable storage medium having stored thereon computer instructions which, when executed by a processor, implement a method as described in the first aspect.
In an embodiment of the disclosure, querying whether an asset of a payer in a third-party payment account on a third-party paymate is sufficient to pay an order by responding to a confirmation of the order by the payee and a deduction operation; responsive to query results of the payer in a third-party payment account on the third-party paymate sufficient to pay the order, freezing the assets in the third-party payment account sufficient to pay the order as a guarantee of the payment of the order by the payer; and in response to the result of successfully freezing the assets in the third party payment account, which are sufficient to pay the order, notifying the payer of the successful payment result of the order, so that the third party payment process is free of the participation of a bank card, the risk of dropping the order is eliminated, and the payer/buyer is helped to complete payment more smoothly. In addition, the payment process does not need to traverse all the third party payment platform bound assets of the payer, so that the total payment time consumption is obviously reduced, and the waiting time of the payer is reduced. In addition, by freezing the third party payment account assets first and then initiating an asynchronous payment mode of automatic deduction, the frozen assets can be used as a spam payment means when the balance of the bank card is insufficient.
These and other aspects of the disclosure will be more readily apparent from the following description of the embodiments.
Drawings
In order to more clearly illustrate the embodiments of the present disclosure or the technical solutions in the related art, a brief description will be given below of the drawings required for the exemplary embodiments or the related technical descriptions, and it is apparent that the drawings in the following description are some exemplary embodiments of the present disclosure, and other drawings may be obtained according to the drawings without inventive effort to those of ordinary skill in the art.
FIG. 1 shows a flow chart of a quick payment method according to an embodiment of the present disclosure;
FIG. 2 shows a flow chart of a quick payment method according to another embodiment of the present disclosure;
fig. 3 shows a flowchart of one example of step S101 in a quick payment method according to an embodiment of the present disclosure;
FIG. 4 shows a block diagram of a quick payment device according to an embodiment of the present disclosure;
fig. 5 shows a block diagram of a quick payment device according to another embodiment of the present disclosure;
fig. 6 shows a block diagram of one example of a query module 401 in a quick payment device according to an embodiment of the present disclosure;
FIG. 7 shows a block diagram of a device according to an embodiment of the present disclosure;
fig. 8 is a schematic diagram of a computer system suitable for use in implementing a quick payment method according to an embodiment of the present disclosure.
Detailed Description
In order that those skilled in the art will better understand the present disclosure, a technical solution in exemplary embodiments of the present disclosure will be clearly and completely described in the following with reference to the accompanying drawings in exemplary embodiments of the present disclosure.
In some of the flows described in the specification and claims of this disclosure and in the foregoing figures, a number of operations are included that occur in a particular order, but it should be understood that the operations may be performed in other than the order in which they occur or in parallel, that the order of operations such as 101, 102, etc. is merely for distinguishing between the various operations, and that the order of execution does not itself represent any order of execution. In addition, the flows may include more or fewer operations, and the operations may be performed sequentially or in parallel. It should be noted that, the descriptions of "first" and "second" herein are used to distinguish different messages, devices, modules, etc., and do not represent a sequence, and are not limited to the "first" and the "second" being different types.
Technical solutions in exemplary embodiments of the present disclosure will be clearly and completely described below with reference to the accompanying drawings in exemplary embodiments of the present disclosure, and it is apparent that the described exemplary embodiments are only some embodiments of the present disclosure, not all embodiments. Based on the embodiments in this disclosure, all other embodiments that a person of ordinary skill in the art would obtain without making any inventive effort are within the scope of the disclosure. .
Fig. 1 shows a flow chart of a quick payment method according to an embodiment of the present disclosure. The method may include steps S101, S102 and S103.
In step S101, in response to the confirmation of the order of the payer by the payee and the deduction operation, it is queried whether the assets of the payer in the third-party payment account on the third-party paymate are sufficient to pay the order.
In step S102, in response to the query result of the payor in the third party payment account on the third party paymate for the sufficient payment order, the sufficient payment order in the third party payment account is frozen as a guarantee of payment for the order by the payor.
In step S103, in response to the result of successfully freezing the sufficient assets in the third party payment account to pay for the order, the payer is notified that the order has been successfully paid.
In the embodiment of the disclosure, the off-line third party payment refers to a payment service provided by a third party payment mechanism when a payer consumes a scene under the line, and is generally a micropayment operation performed through a payment medium such as NFC, a two-dimensional code, a sound wave and the like.
In the embodiment of the disclosure, automatic deduction refers to that when a payer uses a third-party payment service, the payment method may not be actively selected, but the third-party payment mechanism automatically helps the payer to select the payment method and complete the payment process according to the payment behavior habit of the payer or the payment method sequence set in advance.
In embodiments of the present disclosure, the assets of the payer in the third-party payment account refer to non-limited account assets, bank card assets, etc. that the payer is managed and maintained by the third-party payment platform in the third-party payment platform account system, and may further include user consumption behavior habits, payment behavior habits, etc. and account offers, channel offers, etc. generated by extension of the payer's third-party payment account.
In the embodiment of the disclosure, unlike the on-the-surface payment scheme of the third party payment or the automatic deduction based on the agreement with the third party payment platform in the related art, the quick payment scheme in the embodiment of the disclosure can not have the participation of a bank card in the payment process, eliminates the risk of bill drop, and can help the payer to finish the payment more smoothly. And the method does not need to traverse all the assets of the third party payment account of the payer on the third party payment platform, so that the total payment time consumption is obviously reduced, and the waiting time of a user is reduced. That is, an asynchronous payment mode may be established in which a third party of the payer is frozen first and then automatic deduction is initiated, so that the frozen asset may be used as a spam payment means when the bank card balance is insufficient.
In one example of the present disclosure, when a payer/buyer applies for an offline payment, the order information is first confirmed by the payee/seller and a deduction operation is initiated. The third party payment mechanism, upon receiving the deduction request, queries the payee/seller whether the third party payment account asset is sufficiently paid. In another example, the third party payment mechanism, upon receiving the deduction request, may first check the payee/seller identity, and then query the payee/seller as to whether the third party payment account funds are sufficient for payment. If sufficient payment is made, the quick payment condition is satisfied, and then the payment account asset is frozen as a guarantee, the current payment process is completed, and the user is notified of the successful payment result. Compared with the related art, the scheme of the embodiment of the disclosure can quickly complete the whole payment process due to the fact that the asset poll payment process bound by the third party payment platform without automatic deduction is not carried out.
Thus, in one embodiment of the present disclosure, since the third party payment account asset is frozen as a guarantee, as long as the frozen asset is successful, it may be determined for the payment process of the payer's order that the payer has completed the payment, and the payment must be successful. Therefore, even if the payee has not succeeded in deducting money at this time, the payer can be notified that the order has been paid successfully. That is, the quick payment scheme according to the embodiment of the present disclosure can be very fast known to the payer that the payment is successful, and the payment willingness of the payer is improved.
In an embodiment of the present disclosure, querying whether an asset of a payer in a third-party payment account on a third-party paymate is sufficient to pay an order by responding to a confirmation of the payee's order and a deduction operation; in response to a query result of the sufficient payment order for the assets in the third party payment account of the payer on the third party payment platform, freezing the sufficient payment order for the assets in the third party payment account as a guarantee of payment for the order by the payer; and in response to the result of successfully freezing the assets of the sufficient payment order in the third party payment account, notifying the payer of the result of successful payment of the order, so that the third party payment process is free of the participation of a bank card, the risk of dropping the order is eliminated, and the payer/buyer is helped to complete payment more smoothly. In addition, the payment process does not need to traverse all the third party payment platform bound assets of the payer, so that the total payment time consumption is obviously reduced, and the waiting time of the payer is reduced. In addition, by freezing the third party payment account assets first and then initiating an asynchronous payment mode of automatic deduction, the frozen assets can be used as a spam payment means when the balance of the bank card is insufficient.
Fig. 2 shows a flow chart of a quick payment method according to another embodiment of the present disclosure. The quick payment method shown in fig. 2 includes the same steps as steps S101, S102, and S103 in the quick payment method shown in fig. 1, and is different from the quick payment method shown in fig. 1 in that steps S201, S202, S203, and S204 are further included.
In one embodiment of the present disclosure, in step S201, an account other than the payer' S third-party payment account is debited to determine whether the payment for the order was successful.
In one embodiment of the present disclosure, in response to the result of successful deduction of the account other than the third party payment account of the payer in step S201, the payee is notified of the result that the order has been paid successfully in step S204.
In one embodiment of the present disclosure, in response to the result of unsuccessful debiting of the account other than the payer 'S third-party payment account in step S201, it is checked in step S202 whether the debiting of the account other than the payer' S third-party payment account exceeds a predetermined time limit.
In one embodiment of the present disclosure, in response to the checking that the deduction of the account other than the payer' S third-party payment account exceeds the predetermined time limit in step S202, the frozen asset is applied for payment of the order in step S203.
In one embodiment of the present disclosure, in response to the successful application of the frozen asset to the payment of the order in step S203, the payee is notified of the successful payment of the order in step S204.
In one embodiment of the present disclosure, in response to the checking that the deduction of the account other than the payer 'S third-party payment account does not exceed the predetermined time limit in step S202, the deduction of the account other than the payer' S third-party payment account is performed again to pay the order in step S201.
In one embodiment, shown in FIG. 2, only if the frozen third party payment account asset is successful as a guarantee, an account other than the payer's third party payment account is debited to check if the order was successfully paid. That is, the order may be paid with the frozen third party payment account asset as a vouch for, without having to pay for the order with the third party payment account asset as the primary payment means.
In one embodiment of the present disclosure, after the third party payment account asset freezing process is completed, the third party payment authority needs to initiate an automatic deduction. When the bank buckle money has network problem or drops a bill, the automatic retry can be carried out until the deduction is successful. When all the assets except the frozen assets of the payer cannot be paid successfully for a period of time (for example, the situation that the balance of all the bank cards is insufficient), the frozen assets before can be applied for payment, and meanwhile, the deduction operation of the payee/seller is completed. Because the frozen funds are used as a pocket, the payee/seller does not worry about the condition that the money is empty.
Fig. 3 shows a flowchart of one example of step S101 in a quick payment method according to an embodiment of the present disclosure. As shown in fig. 3, step S101 includes steps S301 and S302.
In step S301, in response to the confirmation of the order of the payer by the payee and the deduction operation, the identity information of the payer is checked.
In step S301, in response to the result of the checking that the identity information of the payer passes, it is queried whether the assets of the payer in the third-party payment account on the third-party payment platform are sufficient to pay the order.
In an embodiment of the present disclosure, after receiving the deduction request, the payee/seller identity is first checked by the third party payment authority, after which it is queried whether the payee/seller third party payment account funds are sufficient for payment. If sufficient payment is made, the quick payment condition is satisfied, and then the payment account asset is frozen as a guarantee, the current payment process is completed, and the user is notified of the successful payment result. Accordingly, payment security of the quick payment scheme according to the embodiments of the present disclosure may be ensured.
Fig. 4 shows a block diagram of a quick payment device according to an embodiment of the present disclosure. The quick payment device as shown in fig. 3 comprises a query module 401, a freeze module 402 and a first notification module 403.
The query module 401 is configured to query whether the payor's assets in the third party payment account on the third party paymate are sufficient to pay the order in response to the payor's confirmation of the payor's order and the deduction operation.
The freezing module 402 is configured to freeze the sufficient payment order-bearing assets in the third party payment account as a guarantee of payment for the order by the payer, in response to a query result of the sufficient payment order by the payer's assets in the third party payment account on the third party paymate;
the first notification module 403 is configured to notify the payer of the result that the order has been successfully paid in response to the result that the freezing module 402 successfully freezes the sufficient assets of the third-party payment account to which the order was sufficiently paid.
In the embodiment of the disclosure, the off-line third party payment refers to a payment service provided by a third party payment mechanism when a payer consumes a scene under the line, and is generally a micropayment operation performed through a payment medium such as NFC, a two-dimensional code, a sound wave and the like.
In the embodiment of the disclosure, automatic deduction refers to that when a payer uses a third-party payment service, the payment method may not be actively selected, but the third-party payment mechanism automatically helps the payer to select the payment method and complete the payment process according to the payment behavior habit of the payer or the payment method sequence set in advance.
In embodiments of the present disclosure, the assets of the payer in the third-party payment account refer to non-limited account assets, bank card assets, etc. that the payer is managed and maintained by the third-party payment platform in the third-party payment platform account system, and may further include user consumption behavior habits, payment behavior habits, etc. and account offers, channel offers, etc. generated by extension of the payer's third-party payment account.
In the embodiment of the disclosure, unlike the on-the-surface payment scheme of the third party payment or the automatic deduction based on the agreement with the third party payment platform in the related art, the quick payment scheme in the embodiment of the disclosure can not have the participation of a bank card in the payment process, eliminates the risk of bill drop, and can help the payer to finish the payment more smoothly. And the method does not need to traverse all the assets of the third party payment account of the payer on the third party payment platform, so that the total payment time consumption is obviously reduced, and the waiting time of a user is reduced. That is, an asynchronous payment mode may be established in which a third party of the payer is frozen first and then automatic deduction is initiated, so that the frozen asset may be used as a spam payment means when the bank card balance is insufficient.
In one example of the present disclosure, when a payer/buyer applies for an offline payment, the order information is first confirmed by the payee/seller and a deduction operation is initiated. The third party payment mechanism, upon receiving the deduction request, queries the payee/seller whether the third party payment account asset is sufficiently paid. In another example, the third party payment mechanism, upon receiving the deduction request, may first check the payee/seller identity, and then query the payee/seller as to whether the third party payment account funds are sufficient for payment. If sufficient payment is made, the quick payment condition is satisfied, and then the payment account asset is frozen as a guarantee, the current payment process is completed, and the user is notified of the successful payment result. Compared with the related art, the scheme of the embodiment of the disclosure can quickly complete the whole payment process due to the fact that the asset poll payment process bound by the third party payment platform without automatic deduction is not carried out.
Thus, in one embodiment of the present disclosure, since the third party payment account asset is frozen as a guarantee, as long as the frozen asset is successful, it may be determined for the payment process of the payer's order that the payer has completed the payment, and the payment must be successful. Therefore, even if the payee has not succeeded in deducting money at this time, the payer can be notified that the order has been paid successfully. That is, the quick payment scheme according to the embodiment of the present disclosure can be very fast known to the payer that the payment is successful, and the payment willingness of the payer is improved.
In an embodiment of the disclosure, the query module is configured to query whether the assets of the payer in the third-party payment account on the third-party paymate are sufficient to pay the order in response to a confirmation of the order of the payer by the payee and a deduction operation; a freezing module configured to freeze the assets of the sufficient payment order in the third party payment account as a guarantee of the payment of the order by the payer in response to a query result of the sufficient payment order by the assets of the payer in the third party payment account on the third party payment platform; the first notification module is configured to notify the payer of the successful payment result of the order in response to the result of successfully freezing the assets of the sufficient payment order in the third-party payment account, so that the third-party payment process is free of the participation of the bank card, the risk of dropping the order is eliminated, and the payer/buyer is helped to complete the payment more smoothly. In addition, the payment process does not need to traverse all the third party payment platform bound assets of the payer, so that the total payment time consumption is obviously reduced, and the waiting time of the payer is reduced. In addition, by freezing the third party payment account assets first and then initiating an asynchronous payment mode of automatic deduction, the frozen assets can be used as a spam payment means when the balance of the bank card is insufficient.
Fig. 5 shows a block diagram of a quick payment device according to another embodiment of the present disclosure. The quick payment device shown in fig. 5 includes the same parts as the inquiry module 401, the freezing module 402, and the first notification module 403 in the quick payment device shown in fig. 4, and is different from the quick payment device shown in fig. 4 in that it further includes a deduction module 501, a check module 502, an application module 503, and a second notification module 504.
In one embodiment of the present disclosure, the deduction module 501 is configured to deduct money from an account other than the payer's third-party payment account to pay for the order.
In one embodiment of the present disclosure, the second notification module 504 is configured to notify the payee of a successful payment of the order in response to the payment module 501 successfully withholding the account other than the payer's third-party payment account.
In one embodiment of the present disclosure, the checking module 502 is configured to check whether the deduction to the account other than the third party payment account of the payer exceeds a predetermined time limit in response to a result that the deduction to the account other than the third party payment account of the payer by the deduction module 501 is unsuccessful.
In one embodiment of the present disclosure, the application module 503 is configured to apply for the frozen asset to pay for the order in response to the checking module 502 checking that the deduction of money from an account other than the payer's third-party payment account exceeds a predetermined time limit.
In one embodiment of the present disclosure, the second notification module 504 is configured to notify the payee of the successful payment of the order in response to the application module 503 successfully applying for the result of the payment of the order by the frozen asset.
In one embodiment of the present disclosure, the deduction module 501 is further configured to, in response to a result of the checking module 502 checking that the deduction of money from the account other than the third party payment account of the payer does not exceed the predetermined time limit, re-deduct money from the account other than the third party payment account of the payer to pay the order.
In one embodiment, shown in FIG. 5, only if the frozen third party payment account asset is successful as a guarantee, an account other than the payer's third party payment account is debited to check if the order was successfully paid. That is, the order may be paid with the frozen third party payment account asset as a vouch for, without having to pay for the order with the third party payment account asset as the primary payment means.
In one embodiment of the present disclosure, after the third party payment account asset freezing process is completed, the third party payment authority needs to initiate an automatic deduction. When the bank buckle money has network problem or drops a bill, the automatic retry can be carried out until the deduction is successful. When all the assets except the frozen assets of the payer cannot be paid successfully for a period of time (for example, the situation that the balance of all the bank cards is insufficient), the frozen assets before can be applied for payment, and meanwhile, the deduction operation of the payee/seller is completed. Because the frozen funds are used as a pocket, the payee/seller does not worry about the condition that the money is empty.
Fig. 6 shows a block diagram of an example of a query module 401 in a quick payment device according to an embodiment of the present disclosure. As shown in fig. 6, the query module 401 includes an identity check sub-module 601 and a query sub-module 602.
The identity checking sub-module 601 is configured to check identity information of the payer in response to confirmation of the order of the payer by the payee and the deduction operation.
The query sub-module 602 is configured to query whether the payer's assets in the third-party payment account on the third-party paymate are sufficient to pay the order in response to the result of the checking of the payer's identity information.
In an embodiment of the present disclosure, after receiving the deduction request, the payee/seller identity is first checked by the third party payment authority, after which it is queried whether the payee/seller third party payment account funds are sufficient for payment. If sufficient payment is made, the quick payment condition is satisfied, and then the payment account asset is frozen as a guarantee, the current payment process is completed, and the user is notified of the successful payment outcome. Accordingly, payment security of the quick payment scheme according to the embodiments of the present disclosure may be ensured.
The internal functions and structures of the quick-payment device are described above, and in one possible design, the quick-payment device may be implemented as a quick-payment device, as shown in fig. 7, the processing device 700 may include a processor 701 and a memory 702.
The memory 702 is used for storing a program for supporting the quick payment device to perform the quick payment method of any of the above embodiments, and the processor 701 is configured to execute the program stored in the memory 702.
The memory 702 is configured to store one or more computer instructions, wherein the one or more computer instructions are executed by the processor 701.
The processor 701 is configured to perform all or part of the steps of the foregoing method steps.
The structure of the quick payment device can also comprise a communication interface used for the quick payment device to communicate with other devices or a communication network.
The exemplary embodiments of the present disclosure also provide a computer storage medium for storing computer software instructions for use by the quick payment device, which contains a program for executing the quick payment method according to any of the above embodiments.
Fig. 8 is a schematic diagram of a computer system suitable for use in implementing a quick payment method according to an embodiment of the present disclosure.
As shown in fig. 8, the computer system 800 includes a Central Processing Unit (CPU) 801 that can execute various processes in the embodiment shown in fig. 1 described above in accordance with a program stored in a Read Only Memory (ROM) 802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. In the RAM803, various programs and data required for the operation of the system 800 are also stored. The CPU801, ROM802, and RAM803 are connected to each other by a bus 804. An input/output (I/O) interface 805 is also connected to the bus 804.
The following components are connected to the I/O interface 805: an input portion 806 including a keyboard, mouse, etc.; an output portion 807 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and a speaker; a storage section 808 including a hard disk or the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. The drive 810 is also connected to the I/O interface 805 as needed. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as needed so that a computer program read out therefrom is mounted into the storage section 808 as needed.
In particular, the method described above with reference to fig. 1 may be implemented as a computer software program according to embodiments of the present disclosure. For example, embodiments of the present disclosure include a computer program product comprising a computer program tangibly embodied on a medium readable thereby, the computer program comprising program code for performing the data processing method of fig. 1. In such an embodiment, the computer program may be downloaded and installed from a network via the communication section 809, and/or installed from the removable media 811.
The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units or modules described in the embodiments of the present disclosure may be implemented by software, or may be implemented by hardware. The units or modules described may also be provided in a processor, the names of which in some cases do not constitute a limitation of the unit or module itself.
As another aspect, the present disclosure also provides a computer-readable storage medium, which may be a computer-readable storage medium included in the apparatus described in the above embodiment; or may be a computer-readable storage medium, alone, that is not assembled into a device. The computer-readable storage medium stores one or more programs for use by one or more processors in performing the methods described in the present disclosure.
The foregoing description is only of the preferred embodiments of the present disclosure and description of the principles of the technology being employed. It will be appreciated by those skilled in the art that the scope of the invention referred to in this disclosure is not limited to the specific combination of features described above, but encompasses other embodiments in which any combination of features described above or their equivalents is contemplated without departing from the inventive concepts described. Such as those described above, are mutually substituted with the technical features having similar functions disclosed in the present disclosure (but not limited thereto).

Claims (19)

1. A quick payment method comprising:
in response to a confirmation of an order by a payee and a deduction operation of a payer, querying whether an asset of the payer in a third-party payment account on a third-party paymate is sufficient to pay the order;
responsive to query results of the payer in a third-party payment account on the third-party paymate sufficient to pay the order, freezing the assets in the third-party payment account sufficient to pay the order as a guarantee of the payment of the order by the payer;
notifying the payer of the successful payment of the order responsive to successful freezing of the result of sufficient of the assets in the third party payment account to pay for the order.
2. The method of claim 1, further comprising:
deducting money from an account other than the third party payment account of the payer to pay for the order.
3. The method of claim 2, further comprising:
and notifying the payee of the successful payment of the order in response to the successful payment of the account other than the third party payment account of the payer.
4. The method of claim 1, further comprising:
and when the account deduction except the third party payment account of the payer is unsuccessful, the frozen funds are taken as the spam of the order to be deducted.
5. The method of claim 4, wherein the debiting the frozen funds as the spam of the order when the debiting of the account other than the payer's third-party payment account is unsuccessful, comprising:
in response to a result of unsuccessful withdrawal of an account other than the payer's third-party payment account, checking whether the withdrawal of the account other than the payer's third-party payment account exceeds a predetermined time limit;
and applying for payment of the order by the frozen asset in response to a check that the deduction of the account other than the third party payment account of the payer exceeds a predetermined time limit.
6. The method of claim 4, further comprising:
and notifying the payee of the successful payment of the order in response to a successful application of the result of the payment of the frozen asset to the order.
7. The method of claim 5, further comprising:
and in response to a checking result that the deduction of the account except the third party payment account of the payer does not exceed the preset time limit, re-deducting the account except the third party payment account of the payer to pay the order.
8. The method of claim 1, the querying whether the payor's assets in a third party payment account on a third party paymate are sufficient to pay the order in response to a confirmation of the payor's order by a payee and a deduction operation, comprising:
in response to a confirmation of an order from a payee to a payer and a deduction operation, checking identity information of the payer;
and responding to the result that the identity information of the payer passes the check, and inquiring whether the property of the payer in a third-party payment account on a third-party payment platform is enough to pay the order.
9. The method of claim 1, wherein the responding to the query result of the payer sufficient to pay the order for the asset in a third-party payment account on the third-party paymate further comprises:
and responding to the payment operation of the payer by using a third-party payment platform, and automatically selecting a payment mode and completing payment by the third-party payment platform according to the payment habit or the preset payment mode sequence of the payer.
10. A quick payment device, comprising:
a query module configured to query whether an asset of a payer in a third-party payment account on a third-party paymate is sufficient to pay an order of the payer in response to a confirmation of the order by the payee and a deduction operation;
a freeze module configured to freeze, as a guarantee of payment for the order by the payer, assets in a third-party payment account in the third-party payment platform that are sufficient to pay the order in response to a query result of the payment by the payer for the sufficient to pay the order;
a first notification module configured to notify the payer of a result that the order has been successfully paid in response to the freezing module successfully freezing the result of sufficient assets in the third-party payment account to pay for the order.
11. The apparatus of claim 10, further comprising:
and the deduction module is configured to deduct money from an account other than the third party payment account of the payer so as to pay the order.
12. The apparatus of claim 11, further comprising:
and a second notification module configured to notify the payee of a successful payment of the order in response to a successful payment of the payment module to an account other than the payer's third-party payment account.
13. The apparatus of claim 11, further comprising:
and when the deduction of the account except the third party payment account of the payer is unsuccessful, taking the frozen asset as the spam asset of the order for deduction.
14. The apparatus of claim 13, further comprising:
a checking module configured to check whether the deduction to the account other than the third party payment account of the payer exceeds a predetermined time limit in response to a result that the deduction to the account other than the third party payment account of the payer is unsuccessful by the deduction module;
and the application module is configured to apply for the frozen asset to pay the order in response to the checking result that the deduction of the account except the third party payment account of the payer exceeds a preset time limit by the checking module.
15. The apparatus of claim 13, further comprising:
and in response to the application module successfully applying for the result of the payment of the frozen asset to the order, notifying the payee of the result of the successful payment of the order.
16. The apparatus of claim 14, further comprising:
and in response to a checking result that the checking module does not exceed a predetermined time limit for deduction of the account other than the third party payment account of the payer, re-deducting the account other than the third party payment account of the payer to pay the order.
17. The apparatus of claim 10, the query module comprising:
an identity checking sub-module configured to check identity information of a payer in response to confirmation of an order of the payer by a payee and a deduction operation;
and a query sub-module configured to query whether the property of the payer in a third-party payment account on a third-party payment platform is sufficient to pay the order in response to a result of the checking of the identity information of the payer.
18. An electronic device comprising a memory and a processor; wherein the memory is for storing one or more computer instructions, wherein the one or more computer instructions are executed by the processor to implement the method of any of claims 1-9.
19. A computer readable storage medium having stored thereon computer instructions which, when executed by a processor, implement the method of any of claims 1-9.
CN202311725446.6A 2018-08-27 2018-08-27 Quick payment method, device, equipment and computer readable storage medium Pending CN117853111A (en)

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