CN-121998641-A - Payment processing method, device, equipment, medium and product

CN121998641ACN 121998641 ACN121998641 ACN 121998641ACN-121998641-A

Abstract

The embodiment of the specification provides a method, a device, equipment, a medium and a product for payment processing. The method comprises the steps that after the server obtains payment confirmation information sent by the terminal equipment, whether the current transaction meets preset conditions or not can be judged to obtain a judging result, the preset conditions are conditions that a terminal user can obtain the payment result and then provide resources, and if the preset conditions are met, first payment result information can be sent to the terminal equipment after a payment processing request for the payment confirmation information sent by the merchant equipment is obtained, so that the terminal equipment can acquire the payment result information in advance. And the server can execute the judging flow after receiving the payment confirmation information sent by the terminal equipment, and the payment efficiency can be improved through the prepositive judgment.

Inventors

ZHENG JIE
GENG LIU
ZHANG WENYI
CHEN DONGXIAO
HE WEI
HU RONGHAI
QI XIN
Zou Cunan
XIANG YINGYING
Yu Houbo
WANG KAI
LIN ZHENGMAO

Assignees

支付宝(杭州)数字服务技术有限公司

Dates

Publication Date: 20260508
Application Date: 20260408

Claims (16)

1. A method of payment processing, applied to a server, comprising: The method comprises the steps of acquiring payment confirmation information sent by terminal equipment, wherein the payment confirmation information is confirmation information indicating that a terminal user of the terminal equipment agrees to pay for a current transaction, and the payment confirmation information is sent after label information acquired by the terminal equipment from a merchant equipment in a short-distance communication mode; Judging whether the current transaction meets preset conditions based on the payment confirmation information to obtain a judgment result, wherein the preset conditions are conditions for indicating that a terminal user can acquire a payment result and then provide resources; And if the judgment result shows that the current transaction meets the preset condition and a payment processing request for the payment confirmation information sent by the merchant equipment is obtained, sending first payment result information to the terminal equipment, wherein the first payment result information is sent before the resource transfer for the payment processing request is not completed.
2. The method of claim 1, the method further comprising: the server sends transaction identification information for determining a payment account of the end user to a merchant device based on the payment confirmation information, so that the merchant device sends a payment processing request to the server based on the transaction identification information; or the terminal equipment acquires the tag information and then sends transaction identification information for determining a payment account of the terminal user to the merchant equipment in a short-distance communication mode, so that the merchant equipment sends a payment processing request to the server based on the transaction identification information; Or after the merchant equipment senses the terminal equipment for acquiring the tag information, a payment processing request is sent to a server based on pre-stored transaction identification information for determining a payment account of the terminal user.
3. The method of claim 1, if the determination result indicates that the current transaction meets a preset condition and a payment processing request for the payment confirmation information sent by the merchant device is obtained, sending first payment result information to the terminal device, including: if the judging result is a judging result indicating that the current transaction meets the preset condition, temporarily storing the payment confirmation information; if the payment processing request is acquired, judging whether the payment processing request is matched with key information of the payment confirmation information or not, wherein the key information comprises transaction amount information, identification information of merchant equipment and identification information of terminal equipment; And if the payment processing request is matched with the key information of the payment confirmation information, sending first payment result information to the terminal equipment.
4. The method of claim 1, further comprising, after the determining that the current transaction meets a preset condition and the payment processing request for the payment confirmation information sent by the merchant device is obtained,: Executing a resource transfer flow based on transaction party information and amount information to be transacted contained in the payment processing request; and after the execution of the resource transfer flow for the payment processing request is completed, sending second payment result information to the merchant equipment.
5. The method of claim 4, wherein the merchant device comprises a cashier device and an auxiliary payment device, wherein the cashier device is in communication connection with the auxiliary payment device, wherein the auxiliary payment device has a short-range communication function and is used for providing the tag information to the terminal device, and wherein the cashier device is used for sending the payment processing request; The method for transmitting the second payment result information to the merchant device after the execution of the resource transfer flow for the payment processing request is completed comprises the steps of transmitting the second payment result information to the cashier device after the execution of the resource transfer flow for the payment processing request is completed; the method further comprises the step of sending third payment result information to the auxiliary payment equipment before the resource transfer of the payment processing request is not completed, wherein the third payment result information and the first payment result information are payment result information with the same meaning.
6. The method of claim 1, the method further comprising: If the judgment result is that the current transaction does not meet the preset condition and a payment processing request for the payment confirmation information sent by the merchant equipment is obtained, executing a resource transfer flow based on the payment processing request; and after the execution of the resource transfer flow is finished, sending fourth payment result information to the terminal equipment.
7. The method of claim 1, the determining whether the current transaction satisfies a preset condition, comprising: judging whether the terminal user meets a first preset condition or not; Judging whether a merchant of the merchant equipment meets a second preset condition or not; The first preset condition comprises at least one of sufficient resources of the terminal user and credible users of the terminal user, and the second preset condition comprises at least one of credible merchants of the merchant, transaction amount of the merchant being smaller than or equal to preset amount in a preset time period and preset contracted merchants of the merchant.
8. The method of claim 7, wherein determining whether the current transaction satisfies the preset condition further comprises: judging whether the amount to be transacted corresponding to the current transaction is smaller than or equal to a preset amount; Or judging whether the commodity corresponding to the current transaction is a commodity of a preset category.
9. The method according to claim 4, wherein the performing a resource transfer procedure based on the transaction party information and the amount information to be transacted included in the payment processing request includes: determining a payer account and a payee account based on the transaction party information; Deducting the amount information to be transacted from the payer account to indicate the amount of resources to be transacted to the payee account based on the amount information to be transacted; And if the quantity of the resources represented by the amount information to be transacted is not successfully deducted from the payment account in a full amount, deducting at least part of the quantity of the resources represented by the amount information to be transacted from the resource account of the third party payment application, and increasing the quantity of the resources represented by the amount information to be transacted to the payee account.
10. The method of claim 9, further comprising, after deducting the amount of the resource represented by at least a portion of the amount information to be transacted from a resource account of a third party payment application: And if the payer account has the resources, deducting the resources indicated by the amount information to be transacted from the payer account, and adding the resources to the resource account of the third-party payment application.
11. A method of payment processing, applied to a terminal device, comprising: acquiring tag information from merchant equipment in a short-distance communication mode, wherein the tag information comprises information for triggering a transaction flow; The tag information is analyzed, and payment confirmation information is sent to a server, wherein the payment confirmation information is confirmation information which indicates that a terminal user of the terminal equipment agrees to pay for the current transaction; And acquiring first payment result information fed back by the server, wherein the first payment result information is sent by the server before completing resource transfer.
12. An apparatus for payment processing, comprising: The terminal equipment comprises a confirmation information acquisition module, a confirmation information acquisition module and a payment confirmation module, wherein the confirmation information acquisition module is used for acquiring payment confirmation information sent by the terminal equipment, wherein the payment confirmation information is confirmation information which indicates that a terminal user of the terminal equipment agrees to pay for the current transaction; The judging module is used for judging whether the current transaction meets the preset condition based on the payment confirmation information to obtain a judging result, wherein the preset condition is a condition that a terminal user can acquire a payment result and then provide resources; And the result sending module is used for sending first payment result information to the terminal equipment if the judgment result shows that the current transaction meets the preset condition and the payment processing request for the payment confirmation information sent by the merchant equipment is obtained, wherein the first payment result information is sent before the resource transfer for the payment processing request is not completed.
13. An apparatus for payment processing, comprising: The information acquisition module is used for acquiring tag information from the merchant equipment in a short-distance communication mode, wherein the tag information comprises information for triggering a transaction flow; The system comprises a tag information sending module, a server and a confirmation information sending module, wherein the tag information is used for analyzing the tag information and sending payment confirmation information to the server, wherein the payment confirmation information is confirmation information which indicates that a terminal user of the terminal equipment agrees to pay for a current transaction; The server is used for transferring the resources to the result information acquisition module, and the result information acquisition module is used for acquiring the first payment result information fed back by the server, wherein the first payment result information is sent by the server before the transfer of the resources is completed.
14. 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, implements the steps of the method according to any one of claims 1 to 11.
15. 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 11.
16. 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 11.

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-bump" and "lean-and-lean" interaction modes based on short-range communication technologies such as NFC, bluetooth, ultra Wideband (UWB), or acoustic waves are becoming an important means for improving payment efficiency. How to further improve the user experience 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, computer-readable medium, and article of payment processing to enhance a user's payment experience. According to a first aspect of one or more embodiments of the present specification, there is provided a method of payment processing, applied to a server, comprising: The method comprises the steps of acquiring payment confirmation information sent by terminal equipment, wherein the payment confirmation information is confirmation information indicating that a terminal user of the terminal equipment agrees to pay for a current transaction, and the payment confirmation information is sent after label information acquired by the terminal equipment from a merchant equipment in a short-distance communication mode; Judging whether the current transaction meets preset conditions based on the payment confirmation information to obtain a judgment result, wherein the preset conditions are conditions for indicating that a terminal user can acquire a payment result and then provide resources; And if the judgment result shows that the current transaction meets the preset condition and a payment processing request for the payment confirmation information sent by the merchant equipment is obtained, sending first payment result information to the terminal equipment, wherein the first payment result information is sent before the resource transfer for the payment processing request is not completed. According to a second aspect of one or more embodiments of the present specification, there is provided a method of payment processing, applied to a terminal device, comprising: acquiring tag information from merchant equipment in a short-distance communication mode, wherein the tag information comprises information for triggering a transaction flow; The method comprises the steps of analyzing the tag information and sending payment confirmation information to a server, wherein the payment confirmation information is confirmation information which indicates that a terminal user of the terminal equipment agrees to pay for the current transaction; And acquiring first payment result information fed back by the server, wherein the first payment result information is sent by the server before completing resource transfer. According to a third aspect of one or more embodiments of the present specification, there is provided an apparatus for payment processing, comprising: The terminal equipment comprises a confirmation information acquisition module, a confirmation information acquisition module and a payment confirmation module, wherein the confirmation information acquisition module is used for acquiring payment confirmation information sent by the terminal equipment, wherein the payment confirmation information is confirmation information which indicates that a terminal user of the terminal equipment agrees to pay for the current transaction; The judging module is used for judging whether the current transaction meets the preset condition based on the payment confirmation information to obtain a judging result, wherein the preset condition is a condition that a terminal user can acquire a payment result and then provide resources; And the result sending module is used for sending first payment result information to the terminal equipment if the judgment result shows that the current transaction meets the preset condition and the payment processing request for the payment confirmation information sent by the merchant equipment is obtained, wherein the first payment result information is sent before the resource transfer for the payment processing request is not completed. According to a fourth aspect of one or more embodiments of the present specification, there is provided an apparatus for payment processing, comprising: The information acquisition module is used for