CN118172054A

CN118172054A - Payment processing method and device

Info

Publication number: CN118172054A
Application number: CN202410238992.5A
Authority: CN
Inventors: 李锵
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2024-03-01
Filing date: 2024-03-01
Publication date: 2024-06-11

Abstract

The embodiment of the specification provides a payment processing method and a device, wherein the payment processing method comprises the following steps: after a payment request submitted by a first application for paying an order to be paid of an organization member is obtained, a plurality of applications for organization payment registration are carried out on an organization to which the organization member belongs, shared payment line inquiry of the organization member is carried out, after the inquired residual line of the shared payment line, payment approval verification of the order to be paid is carried out based on the residual line, if the verification is passed, payment processing is carried out on the order to be paid based on an organization account corresponding to the shared payment line, and line verification and sale processing are carried out on the shared payment line.

Description

Payment processing method and device

Technical Field

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

Background

With the development of internet technology, computers and the internet become important components in the life of users, and gradually go deep into each corner in the life, so that more and more online services emerge, for example, in the scene of enterprise consumption due to public, an on-line mode is selected by an organization to distribute shared payment amount of the organization to organization members, the organization members conduct transactions based on the shared payment amount distributed by the organization, and fees generated in the transaction process are borne by the enterprise, in the process, how to better meet demands of the organization members, improve the utilization efficiency of the shared payment, and are important points of the organization increasingly.

Disclosure of Invention

One or more embodiments of the present specification provide a payment processing method including: and acquiring a payment request submitted by the first application for paying the to-be-paid order of the organization member. And carrying out a plurality of applications of the mechanism payment registration on the mechanism to which the mechanism member belongs, and carrying out shared payment amount inquiry of the mechanism member. Performing payment admission verification of the order to be paid based on the inquired residual amount of the shared payment amount; and the shared payment amount is configured to the organization members after the organization performs organization payment registration. And if the verification is passed, carrying out payment processing on the to-be-paid order based on the mechanism account corresponding to the shared payment line, and carrying out line verification processing on the shared payment line.

One or more embodiments of the present specification provide a payment processing apparatus including: the payment request acquisition module is configured to acquire a payment request submitted by the first application for paying the to-be-paid order of the organization member. And the payment amount inquiry module is configured to perform a plurality of applications of mechanism payment registration on an organization to which the organization member belongs and perform shared payment amount inquiry of the organization member. A payment admission verification module configured to perform payment admission verification of the order to be paid based on the queried remaining amount of the shared payment amount; and the shared payment amount is configured to the organization members after the organization performs organization payment registration. And if the verification is passed, operating a payment processing module, wherein the payment processing module is configured to perform payment processing on the to-be-paid order based on the institution account corresponding to the shared payment line and perform line verification processing on the shared payment line.

One or more embodiments of the present specification provide a payment processing apparatus including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and acquiring a payment request submitted by the first application for paying the to-be-paid order of the organization member. And carrying out a plurality of applications of the mechanism payment registration on the mechanism to which the mechanism member belongs, and carrying out shared payment amount inquiry of the mechanism member. Performing payment admission verification of the order to be paid based on the inquired residual amount of the shared payment amount; and the shared payment amount is configured to the organization members after the organization performs organization payment registration. And if the verification is passed, carrying out payment processing on the to-be-paid order based on the mechanism account corresponding to the shared payment line, and carrying out line verification processing on the shared payment line.

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: and acquiring a payment request submitted by the first application for paying the to-be-paid order of the organization member. And carrying out a plurality of applications of the mechanism payment registration on the mechanism to which the mechanism member belongs, and carrying out shared payment amount inquiry of the mechanism member. Performing payment admission verification of the order to be paid based on the inquired residual amount of the shared payment amount; and the shared payment amount is configured to the organization members after the organization performs organization payment registration. And if the verification is passed, carrying out payment processing on the to-be-paid order based on the mechanism account corresponding to the shared payment line, and carrying out line verification processing on the shared payment line.

Drawings

For a clearer description of one or more embodiments of the present description or of the solutions of the prior art, the following brief description of the drawings is given, it being obvious that the drawings in the following description are only some embodiments described in the present description, and that other drawings may be obtained according to these drawings without inventive effort for a person of ordinary skill in the art;

FIG. 1 is a schematic diagram of an implementation environment for a payment processing method provided in one or more embodiments of the present disclosure;

FIG. 2 is a process flow diagram of a payment processing method provided in one or more embodiments of the present disclosure;

FIG. 3 is a flow diagram of a payment processing method for use in a ride order payment scenario provided by one or more embodiments of the present disclosure;

FIG. 4 is a flow diagram of a payment processing method for use in a ride order payment scenario provided by one or more embodiments of the present disclosure;

FIG. 5 is a schematic diagram of one embodiment of a payment processing apparatus provided by one or more embodiments of the present disclosure;

Fig. 6 is a schematic structural diagram of a payment processing apparatus according to one or more embodiments of the present disclosure.

Detailed Description

In order to make the technical solution in one or more embodiments of the present specification better understood by a user in the art, the technical solution in one or more embodiments of the present specification will be clearly and completely described below with reference to the accompanying drawings in one or more embodiments of the present specification, and it is apparent that the described embodiments are only some embodiments of the present specification, but not all embodiments. All other embodiments, which can be made by a user of ordinary skill in the art without undue effort based on one or more embodiments of the present disclosure, are intended to be within the scope of the present disclosure.

One or more embodiments of the present invention provide a payment processing method, which may be applicable to an implementation environment of payment processing, and referring to fig. 1, the implementation environment includes at least: a server 101, an organization terminal 102 of an organization member;

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. The server 101 may perform payment admission verification of the order to be paid based on the queried remaining amount of the shared payment amount, and the server 101 may also manage the institution member resource amount;

the organization terminals 102 of the organization members may be enterprise employee terminals, enterprise terminals, smartphones, tablet computers, electronic book readers, wearable devices, smart watches, devices for information interaction and image acquisition based on AR (Augmented Reality) and VR (Virtual Reality), etc. The member terminal 102 of the organization member may obtain a payment request of the organization member for the order to be paid and submit the payment request to the server 101, and in addition, the organization terminal 102 of the organization member may display the shared payment amount of the organization user.

In this implementation environment, after an organization member submits a payment request for an order to be paid to a server 101 through an organization terminal 102 of the organization member, the server 101 performs a plurality of applications for organization payment registration in an organization to which the organization member belongs, performs a shared payment line inquiry of the organization member, performs payment admission verification for the order to be paid based on the remaining line of the inquired shared payment line, performs payment processing for the order to be paid based on an organization account corresponding to the shared payment line when the verification passes, and performs line verification processing for the shared payment line.

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

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

Step S202, a payment request submitted by a first application for paying an order to be paid of an organization member is obtained.

The organization in this embodiment includes various forms of organizations such as enterprises, public institutions, and social groups, and further includes not only the present-level organization but also an internal organization of the organization, such as an enterprise department or a division. The organization members include organization staff and related personnel, such as enterprise staff in an enterprise.

The first application is an application for initiating a payment request, and when the organization member pays for the service or commodity provided in the first application, an order to be paid of the organization member is generated through the first application, and the first application initiates the payment request of the order to be paid. The first application may be a service application, such as a ride application providing ride service.

In practical applications, the institution may configure the credit payment amount of the member of the institution in different applications, and the fee generated by the member of the institution for consuming the credit payment amount in these applications may be borne by the institution, for example, the enterprise configures the credit payment amount of the employee in three different riding applications, and the fee generated by the employee riding the credit in these three applications is borne by the enterprise. However, the applications may belong to different service providers respectively, and the applications of different service providers cannot share the inter-business consumption amount, so that the organization is difficult to manage the inter-business consumption amount in the unused applications;

For this, the organization uniformly manages the common consumption amount of the organization members by uniformly configuring the sharable shared common payment amount for different applications, where the sharable payment amount of the application configured by the organization in different applications is referred to as a shared payment amount, and optionally the shared payment amount includes the shared common payment amount. The sharing process of sharing payment amounts is described below by way of an example: the mechanism configures the shared payment line in the application A, when the application B pays the order to be paid in the application B through the payment platform, the payment platform pays the order to be paid based on the shared payment line configured in the application A, and in the process, the shared payment line is not configured in the application B, but the application B still can pay by using the shared payment line in the application A, so that the payment line is shared between the application A and the application B.

Step S204, a plurality of applications of the mechanism payment registration are carried out on the mechanism to which the mechanism member belongs, and the shared payment amount inquiry of the mechanism member is carried out.

After the payment request submitted by the first application for paying the to-be-paid order of the organization member is obtained, in this step, a plurality of applications for organization payment registration are performed in an organization to which the organization member belongs, and a shared payment amount query of the organization member is performed. Optionally, the plurality of applications includes the first application; the plurality of applications comprise the same application class. Wherein the application category comprises at least one of: a vehicle service application providing riding service, a restaurant application providing purchasing service and a commodity transaction application providing commodity.

Specifically, in the process of performing the payment registration of the organization, the application may perform the payment registration of the organization by signing a payment protocol with the organization, after the payment registration of the organization is successful, the organization writes the application into a registration record table and configures the shared payment line of the organization members for the application, and the application may perform the payment by using the shared payment line configured by the organization.

(1) Configuring a shared payment amount to a master application of a plurality of applications

In order to facilitate the organization to manage the shared payment amount, the shared payment amount may be managed by the host application in a unified manner by configuring the shared payment amount to the host application in the plurality of applications that perform the organization payment registration, and in the first optional implementation provided in this embodiment, the shared payment amount is configured in the following manner:

and determining a main application in the plurality of applications based on application data of each application in the plurality of applications, and configuring the shared payment amount to the main application.

Specifically, the master application may be determined based on an application type and/or an application priority of each of the plurality of applications for which the institution payment registration is performed, and the shared payment amount may be configured to the master application.

For example, three applications ABC are applications that perform mechanism payment registration with a mechanism, where an application priority of an application a is one level, an application priority of an application B is two levels, and an application priority of an application C is three levels, when determining a main application, the application a of the first level may be determined as the main application, and the shared payment unit may be configured in the application a; or the application type of the application A is a riding application, the application type of the application B is a shopping application, the application type of the application C is a catering application, and if the order type of the order to be paid is a riding order, the application A of the riding type can be determined as a main application, and the shared payment amount is configured in the application A.

(2) Configuring shared payment amounts to multiple applications

In order to improve the flexibility of payment based on the shared payment unit, the shared payment unit may be configured to a plurality of applications for performing payment registration of an organization, so that the plurality of applications may perform combined payment based on the allocated sub-shared payment unit, and in the second optional implementation provided in this embodiment, the shared payment unit is configured in the following manner:

Splitting the shared payment unit based on the application number of the plurality of applications, and configuring the sub-shared payment unit obtained by splitting to the plurality of applications.

Specifically, the shared payment amount may be divided into a plurality of sub-shared payment amounts based on the number of applications of the plurality of applications, and further, the shared payment amount may be divided into a plurality of sub-shared payment amounts according to the application type based on the number of applications of the plurality of applications, where the sub-shared payment amounts configured by the applications of different application types may be different.

For example, for the case of equally distributing the shared payment amount Q, if the number of applications is x, the sub-shared payment amount configured by each application is Q/x; aiming at the condition that the shared payment amount Q is split according to the application type, the sub-shared payment amount of the riding application Q-a can be configured, the sub-shared payment amount of the shopping application Q-a-b can be configured, and the sub-shared payment amount of the dining application Q-a-b-c can be configured.

In a specific implementation process, for the two manners of configuring the shared payment unit, correspondingly, in a process of performing a plurality of applications of the mechanism payment registration by the mechanism member and performing a shared payment unit query by the mechanism member, the embodiment also provides two manners of querying the shared payment unit, one corresponding to the case of configuring the shared payment unit to a main application in the plurality of applications, and the other corresponding to the case of configuring the shared payment unit to the plurality of applications, which are specifically described below:

(1) Querying a master application among a plurality of applications for a shared payment amount

Based on the above-mentioned situation that the shared payment unit is configured in the master application of the plurality of applications, in a first optional implementation manner provided in this embodiment, the plurality of applications registered for the institution payment are performed in the institution to which the institution member belongs, and the shared payment unit query of the institution member is performed in the following manner:

And determining a main application in a plurality of applications which are registered with the organization for organization payment, and inquiring the residual amount of the shared payment amount configured by the main application.

Specifically, a master application may be determined from a plurality of applications based on an application identification of the application, and a registry may be queried for a remaining amount of shared payment amounts for which the master application is configured.

(2) Querying shared payment amounts in multiple applications

Based on the above-mentioned situation that the shared payment unit is configured in the plurality of applications, in a first optional implementation manner provided in this embodiment, the plurality of applications that are registered for the institution payment are performed in the institution to which the institution member belongs, and the shared payment unit query of the institution member is performed in the following manner:

and determining a sub-shared payment amount configured by each application in a plurality of applications which are subjected to mechanism payment registration with the mechanism, and calculating the sum of the remaining amounts of the sub-shared payment amounts as the shared payment amount of the mechanism members.

Specifically, the self-sharing payment amount configured by each application in the plurality of applications that perform the mechanism payment registration with the mechanism may be queried in the registration record table, and the sum of the remaining amounts of the sub-sharing payment amounts may be calculated as the remaining amount of the shared payment amounts of the mechanism members.

In addition, on the basis that the plurality of applications perform the institution payment registration and configure the shared payment amount, after the payment request is acquired, in an optional implementation manner provided in this embodiment, the plurality of applications that perform the institution payment registration at the institution to which the institution member belongs are adopted to perform the shared payment amount query of the institution member:

Extracting member identifications of the institution members carried in the payment request, and determining the institution to which the institution members belong based on the member identifications;

And inquiring a plurality of applications which are subjected to mechanism payment registration with the mechanism in a registration record table, and acquiring the residual amount of the shared payment amount of each application in the plurality of applications recorded in the registration record table.

Specifically, after a payment request submitted by a first application for an order to be paid of an organization member is obtained, an identity of the organization member carried in the payment request is extracted, an organization to which the organization member belongs is determined based on the identity, a plurality of applications signed with a payment protocol by the organization are queried in a registration record table, and the remaining amount of the shared payment amount of each application in the plurality of applications recorded in the registration record table is obtained.

And step S206, carrying out payment admission verification of the order to be paid based on the inquired residual amount of the shared payment amount.

And after the plurality of applications of the mechanism payment registration are performed by the mechanism to which the mechanism member belongs and the shared payment amount query is performed on the mechanism member, in the step, payment admission verification of the order to be paid is performed based on the residual amount of the queried shared payment amount.

The remaining amount of the shared payment amount is a remaining amount calculated based on the shared payment amount allocated to the corporation by the institution and the verified amount of the shared payment amount. Optionally, the shared payment amount is configured to the organization member after the organization performs organization payment registration.

In order to improve the success rate of payment based on the shared payment line, after the remaining line of the shared payment line of the organization member is inquired, payment admission verification is required to be performed based on the remaining line and the order amount of the order to be paid, so that the order to be paid is ensured to be paid under the condition that the remaining line of the shared payment line of the organization member is enough to pay the order to be paid.

Based on this, after querying the remaining amount of the shared payment of the institution member, the payment admission verification is performed based on the remaining amount and the order amount of the to-be-paid order, and in an optional implementation manner provided in this embodiment, the payment admission verification of the to-be-paid order is performed based on the queried remaining amount of the shared payment amount in the following manner:

comparing the residual amount of the shared payment amount with the order amount of the to-be-paid order;

If the residual amount is larger than or equal to the order amount, determining that the verification result of the payment admission verification is verification passing;

And if the residual amount is smaller than the order amount, determining that the verification result of the payment admission verification is that the verification fails.

Specifically, by comparing the remaining amount of the shared payment amount with the order amount of the to-be-paid order, if the remaining amount is greater than or equal to the order amount, determining that the verification result of the payment admission verification is verification passing; if the remaining amount is smaller than the order amount, determining that the verification result of the payment admission verification is that the verification is failed.

Step S208, if the verification is passed, carrying out payment processing on the to-be-paid order based on the mechanism account corresponding to the shared payment line, and carrying out line verification processing on the shared payment line.

After the payment admission verification of the to-be-paid order is performed based on the queried remaining amount of the shared payment amount, in the step, the to-be-paid order is paid based on the institution account corresponding to the shared payment amount, and the shared payment amount is verified.

The institution accounts comprise financial accounts which are opened by institutions at a payment platform and used for paying transaction orders of members of the institutions, and in addition, the institution accounts can also be financial accounts which are opened by the institutions at other financial institutions.

In particular, in the process of checking and performing payment processing on an order to be paid based on an institution account corresponding to the shared payment amount, in an alternative implementation manner provided in this embodiment, funds may be transferred from the institution account according to the amount of the order to be paid, and the transferred funds may be transferred to a collection account of the first application.

In addition, in the case that the verification fails, it indicates that the remaining amount of the shared payment amount is insufficient to pay the order to be paid, and the remaining portion of the order to be paid may be paid through the personal account of the institution member on the basis of the partial payment of the order to be paid by the institution account corresponding to the shared payment amount.

In particular, in the process of performing payment processing on an order to be paid based on an institution account and a personal account, the order amount of the order to be paid may be split, so as to perform payment processing on the order to be paid according to the first order amount and the second order amount obtained by splitting.

Splitting the order amount of the to-be-paid order based on the residual amount of the shared payment amount to obtain a first order amount and a second order amount;

And transferring funds from the institution account according to the first order amount, transferring funds from the institution member's personal account according to the second order amount, and transferring the transferred funds into the first application's collection account.

Specifically, in the process of checking that the verification fails and performing payment processing on the order to be paid based on the institution account and the personal account of the institution member, the order amount of the order to be paid may be split based on the remaining amount of the shared payment amount, so as to obtain a first order amount and a second order amount, funds are transferred from the institution account according to the first order amount, funds are transferred from the personal account of the institution member according to the second order amount, and the transferred funds are transferred to the collection account of the first application.

For example, if the order amount of the order to be paid is X and the remaining amount of the shared payment amount is Q, the order amount X of the order to be paid may be split into x=q+q, where Q is a first order amount and Q is a second order amount, and during payment, funds may be transferred from the institution account according to the first order amount Q and transferred to the collection account of the first application, and funds may be transferred from the personal account of the institution member according to the second order amount Q and transferred to the collection account of the first application.

Optionally, under the condition that the verification fails, the payment processing can be directly performed on the order to be paid based on the personal account of the institution member, specifically, in the process of performing the payment processing on the order to be paid based on the personal account of the institution member, funds can be transferred from the personal account of the institution member according to the amount of the order to be paid, and the transferred funds are transferred to the collection account of the first application.

After the payment is completed, in an optional implementation manner provided in this embodiment, the remaining amount of the shared payment amount is updated based on the order amount of the to-be-paid order. Specifically, the order amount of the to-be-paid order may be subtracted from the remaining amount of the shared payment amount to obtain a second remaining amount, and the remaining amount of the shared payment amount is updated to the second remaining amount.

In a specific implementation process, in a process of performing a credit verification process on the shared payment amount after payment is completed, in an optional implementation manner provided in this embodiment, the shared payment amount is subjected to a credit verification process in the following manner:

Detecting whether the sub-shared payment amount of any application in the plurality of applications is larger than the order amount of the to-be-paid order;

If not, detecting whether the sum of the sub-sharing payment amounts of at least two applications in the plurality of applications is larger than the order amount of the to-be-paid order, and if so, performing amount verification processing on the sub-sharing payment amounts of the at least two applications based on the order amount.

Specifically, for the above case that the shared payment line is configured in the plurality of applications, since the sum of the sub-shared payment lines is used as the remaining line of the shared payment line to pay the to-be-paid order in the process of paying the to-be-paid order, when verifying the line, verifying the line should be performed based on the sub-shared payment lines, specifically, detecting whether the sub-shared payment line of any one of the plurality of applications is greater than the order amount of the to-be-paid order;

If not, detecting whether the sum of the sub-shared payment amounts of at least two applications in the plurality of applications is larger than the order amount of the to-be-paid order, and if so, performing amount verification processing on the sub-shared payment amounts of the at least two applications based on the order amount; if not, carrying out limit verification processing on the sub-shared payment limits of at least three applications in the multiple applications based on the order amount;

If yes, updating the sharing payment amount of any application based on the order amount of the to-be-paid order.

In summary, in the payment processing method provided in this embodiment, after a payment request submitted by a first application for paying an order to be paid of an organization member is obtained, a plurality of applications for organization payment registration are performed in an organization to which the organization member belongs, a shared payment amount of the organization member is queried, after a remaining amount of the shared payment amount is queried, payment approval verification of the order to be paid is performed based on the remaining amount, if the verification passes, payment processing is performed on the order to be paid based on an organization account corresponding to the shared payment amount, and account verification processing is performed on the shared payment amount, so that bill payment efficiency of the organization member is improved;

Further, by means of configuring the shared payment unit configured for the organization members in the main application of the applications after the organization payment registration, the first application can pay the order to be paid through the shared payment unit configured in the main application, payment flexibility is improved, and user experience is improved.

The following describes an example of application of the payment processing method provided in this embodiment to a payment scene of a riding order, with reference to fig. 3, and further describes the payment processing method provided in this embodiment, referring to fig. 3, applied to the payment processing method of the payment scene of the riding order, and specifically includes the following steps.

Step S302, a payment request submitted by the first riding application for paying the riding order of the organization member is obtained.

Before the method, after the organization member belongs to the organization and the plurality of riding applications are subjected to organization payment registration, the shared payment amount of the organization member is configured in a main application in the plurality of riding applications.

Step S304, the member identification of the organization member carried in the payment request is extracted, and the organization to which the organization member belongs is determined based on the member identification.

In step S306, a plurality of riding applications registered for payment with the organization are queried in the registration record table.

In step S308, a master application of the plurality of riding applications is determined, and a remaining amount of the shared payment amount configured by the master application recorded in the registry is obtained.

Step S310, if the remaining amount is greater than or equal to the order amount, determining that the verification result of the payment admission verification is verification passing.

In step S312, funds are transferred from the institution account in accordance with the order amount of the ride order, and the transferred funds are transferred to the collection account of the first ride application.

In step S314, the remaining share of the shared payment line is updated based on the order amount of the riding order.

Optionally, if the remaining amount is smaller than the amount of the order, payment processing is performed on the riding order based on the institution account corresponding to the shared payment amount and the personal account of the institution member, and the amount verification processing is performed on the shared payment amount.

The following describes an example of application of the payment processing method provided in this embodiment to a payment scene of a riding order, with reference to fig. 4, and further describes the payment processing method provided in this embodiment, referring to fig. 4, which specifically includes the following steps.

Step S402, a payment request submitted by the first riding application for paying the riding order of the organization member is obtained.

Before the establishment member is registered with the plurality of riding applications by the establishment payment, the shared payment amount of the establishment member is configured in the plurality of riding applications.

Step S404, the member identification of the organization member carried in the payment request is extracted, and the organization to which the organization member belongs is determined based on the member identification.

In step S406, a plurality of riding applications registered for payment with the organization are queried in the registration record table.

In step S408, a sum of remaining amounts of the sub-shared payment amounts configured by each of the plurality of riding applications is calculated as a remaining amount of the shared payment amounts of the organization members.

In step S410, if the remaining amount is greater than or equal to the order amount, it is determined that the verification result of the payment admission verification is verification passing.

In step S412, funds are transferred from the institution account in accordance with the order amount of the ride order, and the transferred funds are transferred to the collection account of the first ride application.

In step S414, it is detected whether the sub-shared payment amount of any one of the plurality of riding applications is greater than the order amount of the riding order.

Step S416, if not, it is detected whether the sum of the sub-shared payment amounts of at least two applications in the plurality of riding applications is greater than the order amount of the riding order, and if so, the sub-shared payment amounts of the at least two applications are subjected to the amount verification processing based on the order amount.

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

in the above-described embodiments, a payment processing method and a payment processing apparatus corresponding thereto are provided, and the following description is made with reference to the accompanying drawings.

Referring to fig. 5, a schematic diagram of a payment processing apparatus 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 payment processing apparatus including:

A payment request acquiring module 502 configured to acquire a payment request submitted by a first application for payment of an order to be paid by an organization member;

a payment amount query module 504 configured to perform a shared payment amount query of the organization member by performing a plurality of applications for organization payment registration at an organization to which the organization member belongs;

A payment admission verification module 506 configured to perform payment admission verification of the order to be paid based on the queried remaining amount of the shared payment amount; the shared payment amount is configured to the organization members after the organization performs organization payment registration;

and if the verification is passed, running a payment processing module 508, wherein the payment processing module 508 is configured to perform payment processing on the to-be-paid order based on the institution account corresponding to the shared payment line, and perform line verification processing on the shared payment line.

in correspondence to the above-described payment processing method, one or more embodiments of the present disclosure further provide a payment processing apparatus for performing the above-provided payment processing method, based on the same technical concept, and fig. 6 is a schematic structural diagram of a payment processing apparatus provided by one or more embodiments of the present disclosure.

The present embodiment provides a payment processing apparatus, including:

As shown in fig. 6, the payment processing apparatus may have a relatively large difference due to different configurations or performances, and may include one or more processors 601 and a memory 602, and one or more storage applications or data may be stored in the memory 502. Wherein the memory 602 may be transient storage or persistent storage. The application program stored in the memory 602 may include one or more modules (not shown in the figures), each of which may include a series of computer executable instructions in the payment processing device. Still further, the processor 601 may be arranged to communicate with the memory 602, executing a series of computer executable instructions in the memory 602 on the payment processing device. The payment processing device may also include one or more power supplies 603, one or more wired or wireless network interfaces 604, one or more input/output interfaces 605, one or more keyboards 506, etc.

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

acquiring a payment request submitted by a first application for paying an order to be paid of an organization member;

Performing a plurality of applications of mechanism payment registration on an organization to which the organization members belong, and performing shared payment amount inquiry of the organization members;

Performing payment admission verification of the order to be paid based on the inquired residual amount of the shared payment amount; the shared payment amount is configured to the organization members after the organization performs organization payment registration;

And if the verification is passed, carrying out payment processing on the to-be-paid order based on the mechanism account corresponding to the shared payment line, and carrying out line verification processing on the shared payment line.

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

Corresponding to a payment processing method described above, one or more embodiments of the present specification further provide a storage medium based on the same technical idea.

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 payment processing method 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.

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. Design users almost always get corresponding hardware circuit structures by programming improved method flows into the 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 functions are determined by user programming of the device. A digital system is "integrated" on a PLD by the design user's own programming 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 with "logic compiler (logic compiler)" software, which is similar to the software compiler used in program development and writing, and the original code before being compiled is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but HDL is not just one, 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), and 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 (ASICs), programmable logic controllers, and embedded microcontrollers, examples of controllers 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. It is also known to those skilled in the art that, rather than implementing the controller in pure computer readable program code, the same functions may be implemented entirely by logic programming 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 an article of merchandise 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 or more embodiments of the present description may be provided as a method, system, or computer program product, as will be appreciated by those skilled in the art. 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 may 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 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 be made to this document by 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 payment processing method, comprising:

2. The payment processing method according to claim 1, wherein the performing, at the plurality of applications for which the institution payment registration is performed at the institution to which the institution member belongs, the shared payment amount query of the institution member includes:

Extracting member identifications of the institution members carried in the payment request, and determining institutions to which the institution members belong based on the member identifications;

3. The payment processing method according to claim 1, wherein the shared payment amount is configured in the following manner:

determining a main application in the plurality of applications based on application data of each application in the plurality of applications, and configuring the shared payment amount to the main application;

Or alternatively

4. The payment processing method according to claim 3, wherein the performing, at the plurality of applications for which the institution payment registration is performed at the institution to which the institution member belongs, the shared payment amount query of the institution member includes:

determining a main application in a plurality of applications which are subjected to mechanism payment registration with the mechanism, and inquiring the residual amount of the shared payment amount configured by the main application;

Or alternatively

And determining a sub-shared payment amount configured by each application in a plurality of applications which are registered for the mechanism payment with the mechanism, and calculating the sum of the remaining amounts of the sub-shared payment amounts as the remaining amount of the shared payment amount of the mechanism members.

5. The payment processing method according to claim 1, wherein the payment admission verification of the order to be paid based on the queried remaining amount of the shared payment amount comprises:

And if the residual amount is greater than or equal to the order amount, determining that the verification result of the payment admission verification is verification passing.

6. The payment processing method of claim 5, wherein after the comparing the remaining amount of the shared payment amount with the order amount of the order to be paid is performed, further comprising:

and if the residual amount is smaller than the order amount, carrying out payment processing on the to-be-paid order based on the institution account corresponding to the shared payment amount and the personal account of the institution member, and carrying out amount verification processing on the shared payment amount.

7. The payment processing method according to claim 6, wherein the payment processing for the to-be-paid order based on the institution account corresponding to the shared payment amount and the personal account of the institution member includes:

8. The payment processing method of claim 5, said comparing the available payment amount of said shared payment amount to the order amount of said order to be paid further comprising, after said executing the substep:

and if the residual amount is smaller than the order amount, carrying out payment processing on the to-be-paid order based on the personal account of the organization member.

9. The payment processing method of claim 1, wherein the first application is included in the plurality of applications, and wherein the plurality of applications include the same application class.

10. The payment processing method according to claim 1, wherein the payment processing of the to-be-paid order based on the institution account corresponding to the shared payment line includes:

and transferring funds from the institution account according to the order amount of the order to be paid, and transferring the transferred funds into a collection account of the first application.

11. The payment processing method according to claim 1, wherein said performing a credit verification process on said available payment credit includes:

And updating the residual amount of the shared payment amount based on the order amount of the to-be-paid order.

12. The payment processing method according to claim 3, wherein if the shared payment unit is configured in the plurality of applications, the performing unit verification processing on the shared payment unit includes:

13. A payment processing apparatus comprising:

The payment request acquisition module is configured to acquire a payment request submitted by a first application for paying an order to be paid of an organization member;

The payment amount inquiry module is configured to perform a plurality of applications of mechanism payment registration on an organization to which the organization member belongs, and perform shared payment amount inquiry of the organization member;

a payment admission verification module configured to perform payment admission verification of the order to be paid based on the queried remaining amount of the shared payment amount; the shared payment amount is configured to the organization members after the organization performs organization payment registration;

and if the verification is passed, operating a payment processing module, wherein the payment processing module is configured to perform payment processing on the to-be-paid order based on the institution account corresponding to the shared payment line and perform line verification processing on the shared payment line.

14. A payment processing apparatus comprising:

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

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