CN-121981719-A - Payment processing method, device, equipment, medium and product

Abstract

The embodiment of the specification provides a method, a device, equipment, a medium and a product for payment processing. The scheme comprises that the payment device can respond to a short-distance interaction event with the user terminal and send a consultation request containing a transaction token to the server, the server is used for judging whether a transaction aiming at the transaction token exists according to the consultation request, acquiring a consultation result fed back by the server, and if the consultation result shows that the transaction aiming at the transaction token does not exist, the payment device can send payment identification information corresponding to the transaction token to merchant equipment and is used for triggering the merchant equipment to send a receipt request to the server.

Inventors

• ZHENG JIE
• YUAN YANGYANG
• SUN GAOJIE
• LI WENLONG
• HE WEI
• HU RONGHAI
• GENG LIU

Assignees

• 支付宝(杭州)数字服务技术有限公司

Dates

Publication Date

20260505

Application Date

20260407

Claims (18)

1. 1. A method of payment processing, applied to a payment device, comprising: the method comprises the steps of responding to a short-distance interaction event with a user terminal, sending a consultation request containing a transaction token to a server, wherein the server is used for judging whether a transaction aiming at the transaction token exists according to the consultation request; acquiring a consultation result fed back by the server; And if the consultation result shows that the transaction aiming at the transaction token does not exist, sending payment identification information corresponding to the transaction token to merchant equipment, wherein the payment identification information is used for triggering the merchant equipment to send a receipt request to a server.
2. 2. The method of claim 1, the method further comprising: if the consultation result shows that the transaction aiming at the transaction token exists, playing or displaying prompt information, wherein the prompt information comprises prompt information showing that the incomplete payment transaction exists currently or prompt information showing that a prompt user interacts with the payment equipment later; or if the consultation result indicates that the transaction aiming at the transaction token exists, sending prompt information to the user terminal in a short-distance communication mode so that the user terminal plays or displays the prompt information.
3. 3. The method of claim 1, the method further comprising: Judging whether the time interval between the short-distance interaction event and the previous short-distance interaction event is larger than or equal to a preset interval; and if the consulting result indicates that the transaction for the transaction token does not exist, sending payment identification information corresponding to the transaction token to merchant equipment, wherein the method comprises the following steps: and if the time interval is greater than or equal to the preset interval and the consultation result shows that no transaction for the transaction token exists, sending payment identification information corresponding to the transaction token to merchant equipment.
4. 4. A method according to claim 3, the method further comprising: If the time interval is smaller than the preset interval, playing or displaying prompt information, wherein the prompt information comprises prompt information indicating that an unfinished payment transaction exists currently or prompt information indicating that a prompt user interacts with the payment equipment later; or if the time interval is smaller than the preset interval, sending prompt information to the user terminal in a short-distance communication mode so that the user terminal can play or display the prompt information.
5. 5. The method of claim 1, after the sending payment identifying information corresponding to the transaction token to a merchant device, further comprising: If the payment result information aiming at the payment identification information is not received after the preset time length, a re-consultation request is sent to the server; obtaining a re-sending consultation result fed back by the server; and if the re-sending consultation result shows that the payment equipment meets a preset strategy of sending the payment identification information to the merchant equipment again, re-sending the payment identification information to the merchant equipment.
6. 6. The method of claim 1, the determining whether there is a transaction for the transaction token comprising: judging whether acknowledgement information containing the transaction token sent by different user terminals is received or not; And/or judging whether a receipt request containing the transaction token sent by the merchant equipment is received or not.
7. 7. The method of claim 1, the transmitting payment identifying information corresponding to the transaction token to a merchant device, comprising: Sending payment identification information fed back by the server based on the consultation request to merchant equipment; or sending the payment identification information pre-stored in the payment device to merchant equipment.
8. 8. The method of any one of claims 1 to 7, further comprising: The method comprises the steps of responding to a short-distance interaction event with a user terminal, sending tag information to the user terminal in a short-distance communication mode, wherein the tag information comprises the transaction token, and sending confirmation information which indicates that payment is carried out on a transaction corresponding to the transaction token to a server by the user terminal based on the tag information.
9. 9. A method of payment processing, applied to a server, comprising: Acquiring a consultation request which is sent by the payment equipment and the user terminal after a short-distance interaction event occurs and contains a transaction token, wherein the transaction token is used for representing a transaction to be processed; based on the consultation request, judging whether a transaction for the transaction token exists or not; and if the consultation result indicates that the transaction aiming at the transaction token does not exist, the payment equipment sends payment identification information corresponding to the transaction token to merchant equipment, wherein the payment identification information is used for triggering the merchant equipment to send a receipt request to a server.
10. 10. The method of claim 9, the determining whether there is a transaction for the transaction token comprising: judging whether acknowledgement information containing the transaction token sent by different user terminals is received or not; And/or judging whether a receipt request containing the transaction token sent by the merchant equipment is received or not.
11. 11. The method of claim 9, the method further comprising: and if the consultation result shows that the transaction aiming at the transaction token exists, sending prompt information to the user terminal or the payment equipment, wherein the prompt information comprises prompt information showing that the incomplete payment transaction exists currently or prompt information showing that a prompt user interacts with the payment equipment later.
12. 12. The method of claim 9, the feeding back consultation results to the payment device if it is determined that there is no transaction for the transaction token, comprising: Transmitting the payment identification information to the payment device; or sending an instruction instructing the payment device to send payment identification information to the payment device.
13. 13. The method of claim 9, the method further comprising: the method comprises the steps of acquiring confirmation information which is sent by a user terminal and contains the transaction token, wherein the confirmation information is generated after the user terminal acquires label information provided by the payment equipment in a short-distance communication mode, and the generated confirmation information represents payment for a transaction corresponding to the transaction token; judging whether other confirmation information which is sent by other user terminals and contains the transaction token exists or not; if so, marking the transaction token as a failure state; and if the order receiving request which is sent by the merchant equipment and contains the transaction token is acquired, not executing a resource transfer process aiming at the order receiving request, wherein the order receiving request represents a request for deducting resources from a payer account corresponding to the payment identification information and adding the resources to a payee account.
14. 14. An apparatus for payment processing, comprising: The system comprises a request sending module, a server and a transaction token sending module, wherein the request sending module is used for responding to a short-distance interaction event with a user terminal and sending a consultation request containing the transaction token to the server; the result acquisition module is used for acquiring the consultation result fed back by the server; and the information sending module is used for sending payment identification information corresponding to the transaction token to merchant equipment if the consultation result indicates that the transaction aiming at the transaction token does not exist, and the payment identification information is used for triggering the merchant equipment to send a receipt request to a server.
15. 15. An apparatus for payment processing, comprising: The system comprises a request acquisition module, a transaction token acquisition module and a transaction processing module, wherein the request acquisition module is used for acquiring a consultation request which is sent by a payment device after a short-distance interaction event occurs between the payment device and a user terminal and contains the transaction token; A judging module for judging whether a transaction for the transaction token exists based on the consultation request; the payment device comprises a consultation module, a feedback module and a server, wherein the consultation module is used for feeding back the consultation result to the payment device, if the consultation result indicates that the transaction aiming at the transaction token does not exist, the payment device sends payment identification information corresponding to the transaction token to the merchant device, and the payment identification information is used for triggering the merchant device to send a receipt request to the server.
16. 16. A computing device, comprising: A memory and a processor; The memory is adapted to store a computer program/instruction, the processor being adapted to execute the computer program/instruction, which when executed by the processor, performs the steps of the method of any of claims 1 to 13.
17. 17. A computer readable storage medium storing computer instructions which, when executed by a processor, implement the steps of the method of any one of claims 1 to 13.
18. 18. A computer program product comprising computer programs/instructions which, when executed by a processor, implement the steps of the method of any of claims 1 to 13.

Description

Payment processing method, device, equipment, medium and product Technical Field One or more embodiments of the present description relate to the field of computer technology, and in particular, to a method of payment processing. One or more embodiments of the present specification relate to an apparatus, a computing device, a computer-readable storage medium, and a computer program product for payment processing. Background With the popularization of mobile internet and intelligent terminals, users are increasingly inclined to use payment modes without manual input, display of two-dimensional codes and even active operation of mobile phones in scenes with high consumption frequency such as retail, traffic and catering. For example, the "bump" and "lean" interaction modes based on short-range communication technologies such as NFC, bluetooth, ultra Wideband (UWB), or acoustic waves are gradually becoming a payment means for users. However, in practical applications, there may be a wrong payment of a business order by the a user for the B user due to the complex offline environment. Therefore, how to ensure payment accuracy is a technical problem to be solved. Disclosure of Invention In view of this, one or more embodiments of the present description provide a method, apparatus, device, and computer-readable medium for payment processing for improving the accuracy of payments. According to a first aspect of one or more embodiments of the present specification, there is provided a method of payment processing, for use in a payment device, comprising: the method comprises the steps of responding to a short-distance interaction event with a user terminal, sending a consultation request containing a transaction token to a server, wherein the server is used for judging whether a transaction aiming at the transaction token exists according to the consultation request; acquiring a consultation result fed back by the server; And if the consultation result shows that the transaction aiming at the transaction token does not exist, sending payment identification information corresponding to the transaction token to merchant equipment, wherein the payment identification information is used for triggering the merchant equipment to send a receipt request to a server. According to a second aspect of one or more embodiments of the present specification, there is provided a method of payment processing, for application to a server, comprising: Acquiring a consultation request which is sent by the payment equipment and the user terminal after a short-distance interaction event occurs and contains a transaction token, wherein the transaction token is used for representing a transaction to be processed; based on the consultation request, judging whether a transaction for the transaction token exists or not; And if the consultation result indicates that the transaction aiming at the transaction token does not exist, the payment equipment sends payment identification information corresponding to the transaction token to the merchant equipment, wherein the payment identification information is used for triggering the merchant equipment to send a receipt request to a server. According to a third aspect of one or more embodiments of the present specification, there is provided an apparatus for payment processing, comprising: The system comprises a request sending module, a server and a transaction token sending module, wherein the request sending module is used for responding to a short-distance interaction event with a user terminal and sending a consultation request containing the transaction token to the server; the result acquisition module is used for acquiring the consultation result fed back by the server; and the information sending module is used for sending payment identification information corresponding to the transaction token to merchant equipment if the consultation result indicates that the transaction aiming at the transaction token does not exist, and the payment identification information is used for triggering the merchant equipment to send a receipt request to a server. According to a fourth aspect of one or more embodiments of the present specification, there is provided an apparatus for payment processing, comprising: The system comprises a request acquisition module, a transaction token acquisition module and a transaction processing module, wherein the request acquisition module is used for acquiring a consultation request which is sent by a payment device after a short-distance interaction event occurs between the payment device and a user terminal and contains the transaction token; A judging module for judging whether a transaction for the transaction token exists based on the consultation request; The payment device comprises a payment device, a consultation module, a feedback module and a server, wherein the consultation module is used for feeding back the consultation result to the payment device, if t