CN120822949A

CN120822949A - Payment processing methods, devices, products and equipment

Info

Publication number: CN120822949A
Application number: CN202510897951.1A
Authority: CN
Inventors: 汪国群; 郑伟涛
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2025-06-30
Filing date: 2025-06-30
Publication date: 2025-10-21

Abstract

This application discloses a payment processing method, apparatus, product, and device. The method includes: in response to a payment operation for a business order, displaying account information of a first resource account, the first resource account being a resource receiving account for the business order; in response to a resource transfer operation in a first resource application, displaying a first resource transfer interface of the first resource application; receiving account information of the first resource account entered in the first resource transfer interface; and, based on the entered account information, transferring resources from a second resource account in the first resource application to the first resource account to execute payment for the business order. Using this application, the flexibility and convenience of making payments for business orders can be improved.

Description

Payment processing method, device, product and equipment

Technical Field

The present application relates to the technical field of service processing, and in particular, to a payment processing method, device, product, and apparatus.

Background

In a payment scenario for a service order, a user may select a corresponding payment application to effect payment for the service order. When a user wants to pay a service order with a resource account in a resource institution, the user is required to bind the resource account in the payment application in advance so that the user can use the resource account bound in the payment application to effect payment of the service order. Therefore, when the resource account is used for paying the service order, the user needs to bind the account in advance, so that the payment flexibility of the service order is not high and the payment is not convenient.

Disclosure of Invention

The application provides a payment processing method, a payment processing device, a payment processing product and payment processing equipment, which can improve the flexibility and convenience of payment for a service order.

In one aspect, the present application provides a payment processing method, including:

responsive to a payment operation for a business order, displaying account information for a first resource account, the first resource account being a resource receiving account for the business order;

Responsive to a resource transfer operation in a first resource application, displaying a first resource transfer interface of the first resource application;

receiving account information of the first resource account entered in the first resource transfer interface;

and transferring resources from a second resource account in the first resource application to the first resource account according to the entered account information so as to execute payment on the service order.

In one aspect, the present application provides another payment processing method, including:

Receiving order information sent by a business processing application, wherein the order information is sent by the business processing application in response to a payment operation on a business order;

Acquiring account information of a first resource account according to the order information, wherein the first resource account is a resource receiving account of the service order;

receiving resource transfer information sent by a third resource application to which the first resource account belongs, wherein the resource transfer information is sent when the third resource application detects that resources are transferred into the first resource account;

And carrying out information matching processing on the order information and the resource transfer information, and prompting the service processing application that the service order is paid successfully when matching is successful.

In one aspect, the present application provides a payment processing apparatus, the apparatus comprising:

The first response module is used for responding to the payment operation of the service order and displaying account information of a first resource account, wherein the first resource account is a resource receiving account of the service order;

the second response module is used for responding to the resource transfer operation in the first resource application and displaying a first resource transfer interface of the first resource application;

The account receiving module is used for receiving account information of the first resource account recorded in the first resource transfer interface;

And the resource transfer module is used for carrying out resource transfer from a second resource account in the first resource application to the first resource account according to the entered account information so as to execute payment on the service order.

In one embodiment, the account information is displayed in a second resource transfer interface including a resource transfer query control, and after payment is made for the business order, the resource transfer module is further configured to:

displaying the second resource transfer interface;

according to the triggering operation of the resource transfer inquiry control in the second resource transfer interface, displaying the resource transfer state aiming at the service order;

the resource transfer state is any one of a state in resource transfer, a state in which resource transfer is successful and a state in which resource transfer is failed.

In one embodiment, the manner in which the first response module displays the account information of the first resource account in response to the payment operation for the service order includes:

responding to the payment operation, and skipping to display a second resource transfer interface to the resource assistance transfer platform;

the account information of the first resource account is displayed in the second resource transfer interface.

In one embodiment, the first response module, in response to the payment operation, jumps to a second resource transfer interface displayed to a resource-assisted transfer platform, including:

responding to the payment operation, and displaying a payment mode selection interface, wherein the payment mode selection interface comprises an optional resource assisting transfer platform;

and according to the selection operation of the resource assistance transfer platform in the payment mode selection interface, skipping and displaying to the second resource transfer interface.

In one embodiment, the resource-assisted transfer platform belongs to a platform in communication application, and the device is applied to terminal equipment;

The first response module, according to the selection operation of the resource assisting transfer platform in the payment mode selection interface, jumps to the mode of displaying to the second resource transfer interface, including:

According to the selection operation of the resource assistance transfer platform in the payment mode selection interface, the communication application running in the terminal equipment is jumped and displayed to a transition resource transfer interface;

and displaying the transition resource transfer interface to the second resource transfer interface.

In one embodiment, if the communication object to which the communication application in the terminal device belongs is to use the resource assistance transfer platform for the first time, the transition resource transfer interface includes an enabling control for the resource assistance transfer platform, and the manner of displaying the transition resource transfer interface to the second resource transfer interface by the first response module includes:

Responding to the triggering operation of the enabling control in the transition resource transfer interface, and displaying an identity authorization interface;

According to the authorization operation in the identity authorization interface, the identity information of the communication object in the communication application is authorized to the resource assisting transfer platform and is returned to be displayed to the transition resource transfer interface, wherein the enabling control in the transition resource transfer interface returned to be displayed is switched to be displayed as a payment confirmation control;

and displaying the transition resource transfer interface returned to the display to the second resource transfer interface.

In one embodiment, if the communication object to which the communication application in the terminal device belongs is not the first use of the resource assistance transfer platform, the transition resource transfer interface includes a payment confirmation control;

The transition resource transfer interface comprises options of each of a plurality of candidate resource accounts and options of other resource accounts, wherein resource institutions to which the candidate resource accounts belong all have business association relations with the resource assistance transfer platform, and the options of the other resource accounts are used for selecting resource accounts of the resource institutions which do not have business association relations with the resource assistance transfer platform;

the first response module displays the transition resource transfer interface to the second resource transfer interface, including:

selecting options of the other resource accounts in response to a selection operation of the options of the other resource accounts in the transitional resource transfer interface, and

Displaying to the second resource transfer interface according to the triggering operation of the payment confirmation control in the transition resource transfer interface;

the account identifier of the second resource account is the same as the object identifier in the identity information authorized by the communication object to the resource assisted transfer platform, or the account identifier of the second resource account is the same as the object identifiers of other communication objects authorized to have resource transfer permission on the communication object.

In one embodiment, the first response module is further configured to:

Selecting a target resource account of the plurality of candidate resource accounts in the transitional resource transfer interface in response to a selection operation of the target resource account, and

According to the triggering operation of the payment confirming control in the transition resource transfer interface, a second resource application of the target resource account in the terminal equipment is called, and payment is executed on the service order;

The second resource application is invoked based on a business association relationship between a resource mechanism to which the target resource account belongs and the resource assistance transfer platform.

In one embodiment, the first response module is further configured to:

acquiring a service order for a service object in a service processing application in response to an order placing operation of the service object;

Wherein the first resource account is a resource account of a person to whom the business object belongs.

In one aspect, the present application provides another payment processing apparatus, the apparatus comprising:

an order receiving module, configured to receive order information sent by a service processing application, where the order information is sent by the service processing application in response to a payment operation for a service order;

The acquisition module is used for acquiring account information of a first resource account according to the order information, wherein the first resource account is a resource receiving account of the service order;

The information receiving module is used for receiving resource transfer information sent by a third resource application to which the first resource account belongs, wherein the resource transfer information is sent when the third resource application detects that resources are transferred into the first resource account;

And the matching module is used for carrying out information matching processing on the order information and the resource transfer information, and prompting the service processing application that the service order is paid successfully when the matching is successful.

In one embodiment, the above device is applied to a server of a resource assistance transfer platform, the service order is an order for a service object in the service processing application, the owner of the service object has a registered identity in the resource assistance transfer platform, the first resource account is a resource account of the owner of the service object, the identity and the first resource account have an association relationship in the resource assistance transfer platform, and the order information includes the identity;

the method for acquiring the account information of the first resource account according to the order information by the acquisition module comprises the following steps:

Extracting the identity from the order information;

and acquiring account information of the resource account with the association relation with the extracted identity identifier as the account information of the first resource account.

In one embodiment, the order information includes a resource payment amount of the service order and an order placing time of the service order, the resource transfer information includes a resource transfer amount for the first resource account, a second account identifier of a source account of a resource transferred in the first resource account, and a resource transfer time, and the matching module performs information matching processing on the order information and the resource transfer information, including:

acquiring a first account identifier of a resource payment account of the service order;

Matching the resource payment amount, the first account identifier and the ordering time with the resource transfer amount, the second account identifier and the resource transfer time respectively;

if the resource payment amount is equal to the resource transfer amount, the first account identifier is the same as the second account identifier, and the resource transfer time is in the adjacent time range of the order time, the order information and the resource transfer information are determined to be successfully matched;

if the resource transfer amount is different from the resource transfer amount, the first account identifier is different from the second account identifier, or the resource transfer time is not in the adjacent time range, determining that the matching of the order information and the resource transfer information fails.

In one embodiment, after receiving the order information, the server generates a resource transfer list associated with the order information, wherein the resource transfer list has a resource transfer identifier, the order information comprises an order identifier of the service order, and the resource transfer identifier has an association relationship with the order identifier;

The matching module prompts the service processing application that the service order is paid successfully when the matching is successful, and the method comprises the following steps:

When the order information and the resource transfer information are successfully matched, binding the resource transfer information and the resource transfer identifier;

generating a payment success prompt message for the service order based on the order identifier associated with the resource transfer identifier bound with the resource transfer information;

And returning the payment success prompt information to the service processing application, so that the service processing application updates the state to be paid for the service order to a paid state based on the payment success prompt information.

In one embodiment, the device is applied to a server of a resource assistance transfer platform, and the order receiving module is further used for, after receiving the order information:

Returning a jump link of a transition resource transfer interface of the resource assistance transfer platform to the service processing application, so that the service processing application jumps and displays the jump link to the transition resource transfer interface based on the jump link and displays the jump link from the transition resource transfer interface to a second resource transfer interface;

Wherein account information of the first resource account is displayed in the second resource transfer interface;

The transition resource transfer interface comprises options of other resource accounts, the options of the other resource accounts are used for selecting resource accounts of resource institutions which do not have business association relation with the resource assistance transfer platform, and the second resource transfer interface is displayed based on selection operation of the options of the other resource accounts in the transition resource transfer interface.

In one embodiment, the resource transfer-in information carries signature information, the signature information is obtained by encrypting a hash value of the resource transfer-in information by using an application private key of the third resource application, and the information receiving module is further configured to:

decrypting the signature information by using the application public key of the third resource application to obtain a decrypted hash value;

Carrying out hash calculation on the resource transfer information to obtain a calculated hash value;

if the calculated hash value is consistent with the decrypted hash value, determining that the resource transfer information is verified to be legal;

and if the calculated hash value is inconsistent with the decrypted hash value, determining that the resource transfer information is verified to be illegal.

In one aspect the application provides a computer device comprising a memory and a processor, the memory storing a computer program which, when executed by the processor, causes the processor to perform the method of one aspect of the application.

An aspect of the application provides a computer readable storage medium storing a computer program which, when executed by a processor, causes the processor to perform the method of the above aspect.

In one aspect, the application provides a computer program product comprising a computer program stored on a computer readable storage medium. The processor of the computer device reads the computer program from the computer-readable storage medium, and the processor executes the computer program to cause the computer device to execute the method provided in various optional manners of the above aspect and the like.

The method and the system can respond to the payment operation of the service order and display account information of a first resource account which is a resource receiving account of the service order, can respond to the resource transfer operation in the first resource application and display a first resource transfer interface of the first resource application, and can receive the account information of the first resource account recorded in the first resource transfer interface, so that resource transfer can be carried out from a second resource account in the first resource application to the first resource account according to the recorded account information, and payment of the service order is realized. Therefore, when the service order is required to be paid, the method can directly input the account information of the resource receiving account (namely the first resource account) of the service order in the first resource application, so that the quick payment of the service order can be realized by transferring the resources to the first resource account through the second resource account in the first resource application, any binding operation and other operations on the second resource account in the first resource application are not required, and the type of the first resource application for transferring the resources is not limited, so that the flexibility and convenience for paying the service order are improved.

Drawings

In order to more clearly illustrate the application or the technical solutions of the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it being obvious that the drawings in the description below are only some embodiments of the application, and that other drawings can be obtained from them without inventive effort for a person skilled in the art.

Fig. 1 is a schematic diagram of a network architecture of an order payment network according to an embodiment of the present application;

FIG. 2 is a schematic diagram of a scenario for payment of a business order according to an embodiment of the present application;

fig. 3 is a schematic flow chart of a payment processing method according to an embodiment of the present application;

FIG. 4 is a schematic diagram of an interface for order payment according to an embodiment of the present application;

FIG. 5 is an interface schematic diagram of a transition resource transfer interface according to an embodiment of the present application;

FIG. 6 is a schematic diagram of an interface for identity information authorization according to an embodiment of the present application;

FIG. 7 is a schematic diagram showing the effect of gradually displaying the interface to the second resource transfer according to the embodiment of the present application;

FIG. 8 is a schematic diagram illustrating an effect of a first resource transfer interface according to an embodiment of the present application;

FIG. 9 is an interface diagram of a query resource transfer result provided by an embodiment of the present application;

FIG. 10 is a flow chart of an order payment method according to an embodiment of the present application;

FIG. 11 is a schematic flow chart of an order payment confirmation provided by an embodiment of the present application;

fig. 12 is a schematic structural diagram of a payment processing apparatus according to an embodiment of the present application;

fig. 13 is a schematic structural view of another payment processing apparatus according to an embodiment of the present application;

fig. 14 is a schematic structural diagram of a computer device according to an embodiment of the present application.

Detailed Description

The following description of the embodiments of the present application will be made more apparent and fully hereinafter with reference to the accompanying drawings, in which some, but not all embodiments of the application are shown. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.

All data (such as related data of business orders, account information, order information, application keys and the like) collected by the application are collected under the condition that the affiliated person (such as a user, an organization or an enterprise) of the data agrees and authorizes, and the collection, the use and the processing of the related data need to comply with related laws and regulations and standards of related areas.

Hash algorithm-a mathematical function that converts input data of arbitrary length into fixed-length, unique and irreversible output data (called "hash value", "hash value" or "digest").

App, application program, which may be a software program in the terminal device.

A purchasing platform is an electronic commerce platform based on the Internet technology, and aims to simplify and optimize the purchasing process of enterprises. For example, the platform for a milk tea chain to purchase materials from a headquarter can be used. The business processing application in the application can be a purchasing platform or other types of business processing platforms.

And the payment platform is used as an independent third party mechanism in resource transaction, and provides a tool for a series of services such as payment, settlement, clearing and the like for the buyer and the seller through an information technology means. The resource assisting transfer platform can be a payment platform and is used for assisting the service processing platform to complete the payment flow of the service order.

Three-element verification, namely, in the identity authentication process of a user, the consistency and the authenticity of three pieces of key information need to be verified, and the three pieces of key information can generally comprise a user name, a user identity number and an account number (such as a bank card number) of a user resource account.

Referring to fig. 1, fig. 1 is a schematic diagram of a network architecture of an order payment network according to an embodiment of the present application. As shown in fig. 1, the network architecture may include a server 100, a server 200, a server 300, and a terminal device cluster, which may include one or more terminal devices, the number of which will not be limited herein. As shown in fig. 1, the plurality of terminal devices may specifically include a terminal device 1, a terminal device 2, a terminal device 3, a terminal device n, and as shown in fig. 1, the terminal device 2, the terminal device 3, the terminal device n may be connected to a network with a server 100, a server 200, and a server 300, so that each terminal device may perform data interaction with the server 100, the server 200, and the server 300 through the network connection. And the server 100, the server 200 and the server 300 can also have network connection, and data interaction can also be performed between the servers.

The server shown in fig. 1 may be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, or a cloud server providing cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, CDNs (content delivery networks), basic cloud computing services such as big data and artificial intelligence platforms, and the like. The terminal equipment can be intelligent terminals such as intelligent mobile phones, tablet personal computers, notebook computers, desktop computers, intelligent televisions, vehicle-mounted terminals, intelligent home and the like. A specific description of an embodiment of the present application will be made below taking communication between the terminal device 1 and the server 100, the server 200, and the server 300 as an example.

The terminal device 1 may have a service processing application and a first resource application, where the service processing application may be any application (App) capable of generating a service order and initiating payment for the service order, and when the service processing application initiates payment for the service order, the service processing application may call a resource assisted transfer platform (which may be a payment platform) to make payment for the service order. The first resource application may be an application (App) of any resource mechanism in the terminal device, and the first resource application may be used for transferring resources (such as transferring accounts). The resource organization may be any organization capable of issuing, managing and storing resources, such as digital resources, for example, the resource organization may be a bank.

While server 100 may be a background server for the business process application and server 200 may be a background server for the resource assisted transfer platform. The server 300 may be a background server of a resource receiver, where the resource receiver may be a resource mechanism to which a resource receiving account of a service order initiated in a service processing application belongs, where the resource receiving account is a resource account (may be a bank card account) for receiving a resource transferred when payment is made for the service order.

Referring to fig. 2, fig. 2 is a schematic diagram of a scenario for paying a service order according to an embodiment of the present application. As shown in fig. 2, a service processing application in the terminal device 1 may generate a service order and initiate an order payment for the service order. For example, the service order may be an order generated by a user placing an order for a service object in a service processing application, and the service object may be an order-available commodity in the service processing application.

After the payment of the service order is initiated in the service processing application, the resource assistance transfer platform can be called by the service processing application so as to display account information of a first resource account through the resource assistance transfer platform, wherein the first resource account is a resource receiving account of the service order and is used for receiving resources paid for the service order. As here, the account information of the first resource account may include an account name "small" of the first resource account, an account number "12345678" (i.e., an account number), and a resource institution "a institution" to which the first resource account belongs. The server 300 may be a server of a resource organization to which the first resource account belongs.

Therefore, the user is supported to open any resource application (which may be the first resource application as opened here) in the terminal device 1, and the account information of the displayed first resource account can be input in the first resource application, so that resource transfer is performed from the second resource account in the first resource application to the first resource account, and payment for the service order can be realized. The above-mentioned service processing application in the terminal device, the resource assisted transfer platform called by the service processing application, and the related payment processing logic of the order payment performed by the first resource application may be implemented through the above-mentioned data interaction between the server 100, the server 200, and the server 300, and the specific process may be referred to the corresponding description in the following embodiments.

When the method provided by the application is adopted, when the service order is paid, only the resource receiving account (namely the first resource account) of the service order is provided for the user, so that the user can open any resource application to the resource receiving account by himself to transfer resources, and the payment of the service order can be realized, thereby greatly improving the flexibility and convenience of paying the service order, and improving the experience of the user for paying the order without binding any resource account in the service processing application or other payment applications in advance.

Referring to fig. 3, fig. 3 is a flow chart of a payment processing method according to an embodiment of the application. As shown in fig. 3, the method may include:

in step S101, in response to a payment operation for the service order, account information of a first resource account, which is a resource receiving account of the service order, is displayed.

Specifically, the execution body in the embodiment of the present application may be a terminal device, and the terminal device may be a user terminal, for example, a user terminal of a user who needs to pay for a service order.

The business order may be an order generated by a business processing application. The business process application may be any application that can place an order for a business object, e.g., the business process application may be a shopping application (e.g., a purchasing application, which may also be referred to as a purchasing platform). The business object may be any object that can be placed (i.e., transacted, such as purchased) such as a commodity that a merchant sells online in a business processing application.

The terminal device may have the service processing application (e.g., a client having the service processing application) therein, and the terminal device may obtain a service order for the service object in response to an order placing operation on the service object in the service processing application, e.g., the service order may be an order generated by the service processing application in the terminal device for the ordered service object in response to the order placing operation. For example, the service processing application may also send relevant ordering information (such as an identifier of a service object of the order, a type of the service object of the order, a number of the service objects of the order, a time of ordering the service objects, and the like) for the service object of the order to a background device (such as a server of the service processing device) of the service processing device, so as to request the server to generate, through the ordering information, a service order corresponding to the service object of the order, and the server may return the generated service order to the service processing application in the terminal device, where the service processing application may display the service order (such as displaying order details related to the service order) in an application interface for viewing by a user.

The service order is an order for the ordered service object, and the ordered service object can be any one or more service objects in the service processing application. For example, the ordering operation may be initiated by a user by triggering an ordering control (e.g., purchased control) for a business object in a business processing application.

The terminal device may also display account information of a first resource account, which may be a resource receiving account of the service order, i.e. the first resource account may be an account for receiving the paid resources, i.e. transferred resources, when paying for the service order, in response to a payment operation for the service order. The payment operation for the business order may be an operation in a business process application, such as an operation performed in a payment interface of the business process application for the business order, for example, a triggering operation (such as a clicking operation) for a payment control for the business order in the payment interface.

The first resource account may be a resource account of a affiliated person of the business object that is ordered, e.g., the affiliated person of the business object may be a merchant to which the business object pertains, which merchant may be a business entity that has been resident and registered in a business process application.

In one embodiment, the resource account in the present application may be an account in a resource institution, and the resource account may be an account for managing and storing resources, such as an account for managing and storing resources in the resource institution. The resource organization may be an organization for issuing, managing and holding resources, which in the present application may be any resource that can be used for making payments for business orders, such as digital, electronic, or virtual resources, etc. For example, the resource institution may be a banking institution and the resource account may be a banking account (e.g., a bank card) in the banking institution.

In one embodiment, the terminal device may skip to display a resource transfer interface to the resource-assisted transfer platform in response to the payment operation for the service order, and the resource transfer interface may be referred to as a second resource transfer interface. The account information of the first resource account may be displayed in the second resource transfer interface, i.e. the second resource transfer interface may be an interface of the resource assisted transfer platform for displaying the account information of the first resource account.

The displayed account information of the first resource account may include, but is not limited to, an account name of the first resource account (e.g., an object name of a resource object (e.g., a user) to which the first resource account belongs), an account number of the first resource account (e.g., a bank card number), and an institution name (e.g., a bank name) of a resource institution to which the first resource account belongs.

In addition, the second resource transfer interface may also display the amount of resources (such as the order amount of the service order) that need to be paid for the service order, where the amount of resources is the amount of resources that need to be paid for the service order when paying for the service order, such as 20000. The amount of resources is also the amount of resources (i.e., the amount of resource transfer) of the present application that require resource transfer for the business order.

The resource-assisted transfer platform may be an intermediate platform, which may be understood as a payment service for facilitating the payment of resources for a business order in a business processing application. The resource assisting transfer platform can be a platform of the business processing application itself, or can be a platform outside the business processing application, and can be specifically determined according to the actual application scene.

For example, in response to the payment operation for the service order, the terminal device jumps to a second resource transfer interface displayed on the resource assistance transfer platform, and may include:

The terminal device may respond to the payment operation for the service order, and display a payment mode selection interface, where the payment mode selection interface may include an optional resource assisted transfer platform (such as a payment mode using the resource assisted transfer platform), or may further include other optional payment modes, such as a payment mode using other payment applications, where the present application is not limited in this respect.

The terminal device may jump to display the resource-assisted transfer platform to the second resource transfer interface according to the selection operation of the resource-assisted transfer platform in the payment mode selection interface, where the process may include that the resource-assisted transfer platform may be a platform in a communication application, for example, the resource-assisted transfer platform may be a program embedded in the communication application, for example, the resource-assisted transfer platform may be an applet in the communication application, and the interface of the resource-protocol transfer platform (for example, the second resource transfer interface) may be an applet interface, and the applet interface may be an H5 page (a page of a web page type). The terminal device can jump and display the resource assistance transfer platform to a transition resource transfer interface through the communication application running in the terminal device according to the selection operation of the resource assistance transfer platform in the payment mode selection interface, so that the terminal device can display the transition resource transfer interface to a second resource transfer interface. The transition resource transfer interface may be an interface for confirming payment for the business order, i.e., the transition resource interface may be an interface for transitioning to an interface (e.g., a second resource transfer interface) that ultimately makes payment for the business order.

In one embodiment, if the communication object (which may be represented by the user account currently logged in the communication application) to which the communication application in the terminal device belongs is the first-time use (i.e., the communication object has not been used before) of the resource-assisted transfer platform, it indicates that the communication object has not authorized identity information in the resource-assisted transfer platform, where in the transition resource transfer interface may include (e.g., display) an enabling control for the resource-assisted transfer platform, and the starting control may be a control for starting a payment service of the resource-assisted transfer platform.

The process of displaying from the transitional resource transfer interface to the second resource transfer interface may include the terminal device displaying an identity authorization interface, which may be an interface for real-name authentication of the communication object in the resource-assisted transfer platform, in response to a triggering operation (e.g., a clicking operation) of the enabling control in the transitional resource transfer interface.

The terminal device can authorize the identity information of the communication object in the communication application to the resource assistance transfer platform according to the authorization operation in the identity authorization interface, after the authorization, the communication object can be returned to be displayed to the transition resource transfer interface, and the enabling control in the transition resource transfer interface returned to be displayed can be correspondingly switched to be displayed as a payment confirmation control, and the payment confirmation control can be used for confirming payment of the service order. The authorized identity information may include, for example, an object name, an object identity number (which may be an identity number assigned at an authority), a communication number (e.g., a cell phone number), etc. that the communication object registers with the communication application.

The terminal device may display the transition resource transfer interface to the second resource transfer interface from the transition resource transfer interface displayed in return, for example, may display the transition resource transfer interface to the second resource transfer interface by returning the confirmation payment control in the transition resource transfer interface displayed in return, and the principle of the process is similar to the process (i.e., the process of displaying the transition resource transfer interface to the second resource transfer interface by the confirmation payment control in the transition resource transfer interface displayed originally, see the following description.

If the communication object to which the communication application in the terminal device belongs is a resource assistance transfer platform which is not used for the first time (i.e. used before the communication object is used), the communication object is indicated to be authorized with the identity information in the resource assistance transfer platform, and real-name authentication is not required to be repeated.

In addition, the transition resource transfer interface (whether the first-time use resource assistance transfer platform or the non-first-time use resource assistance transfer platform) may include options of each of a plurality of candidate resource accounts and options of other resource accounts, one candidate resource account may be an option, one candidate resource account may belong to a corresponding resource institution, that is, one candidate resource account may be a resource account in a resource institution to which the candidate resource account belongs, for example, one candidate resource account may be a bank card account in a bank to which the candidate resource account belongs, and the options of other resource accounts may be unified as one option.

The resource mechanisms to which the plurality of candidate resource accounts belong can have a business association relationship with the resource-assisted transfer platform, and in an actual application scenario, the business association relationship can be understood that the plurality of resource mechanisms to which the plurality of candidate resource accounts belong have a cooperative relationship with the resource-assisted transfer platform. For a resource organization having a business association with a resource-assisted transfer platform, the resource-assisted transfer platform may push an order (e.g., a business order as described above) directly to the resource organization, such that the resource organization may pay for the order directly through the line of sight of the resource in the resource account that it has. In this scenario, the order sent by the resource-assisted transfer platform to the resource mechanism may be sent by the service-handling application to the resource-assisted transfer platform, for example, the background device (e.g., server) of the service-handling application may be sent to the background device of the resource-assisted transfer platform, and then the background device of the resource-assisted transfer platform may be sent to the background device of the resource mechanism.

The options of the other resource accounts can be used for selecting the resource accounts of the resource mechanisms which do not have business association relationship with the resource assistance transfer platform, in other words, any other resource mechanism which does not have cooperation relationship with the resource assistance transfer platform can be selected through the options of the other resource accounts, so that the purpose of not limiting the resource mechanism for carrying out resource transfer (namely resource provision) in the application is achieved. Or in one implementation, the resource accounts of any resource institutions with cooperative relationship with the resource assistance transferring platform can be selected through the options of the other resource accounts, namely, the resource accounts of the resource institutions with cooperative relationship with the resource assistance transferring platform can be paid by selecting the options of the other resource accounts.

Illustratively, the process of implementing payment processing for a service order by transitioning the options of the plurality of candidate resource accounts and the options of other resource accounts in the resource transfer interface may be described as follows.

The terminal device may respond to the selection operation of the options of the other resource accounts in the transition resource transfer interface, select the options of the other resource accounts, indicate that the user needs to select any other resource account to realize the payment of the service order, and display the result to the second resource transfer interface according to the triggering operation (such as clicking operation) of the confirm payment control in the transition resource transfer interface. And through the account information of the first resource account displayed in the second resource transfer interface, a user can be guided to select resource applications of any other resource mechanisms to carry out resource transfer processing on the first resource account, so that payment of a service order is realized.

More, the terminal device may also select a target resource account from the plurality of candidate resource accounts in the transition resource transfer interface in response to a selection operation of the target resource account, where the target resource account may be any one of the plurality of candidate resource accounts, and may further directly call a resource application (may be referred to as a second resource application) to which the target resource account belongs in the terminal device according to a triggering operation of a confirmation payment control in the transition resource transfer interface, so as to execute payment on a service order through the second resource application (e.g., through a resource account in the second resource application). If the second resource application to which the target resource account belongs in the terminal device is called here, an order payment confirmation interface in the second resource application may be displayed, where the order payment confirmation interface may include information such as a resource amount of a resource that needs to be paid for a service order, and before the order payment confirmation interface is displayed, a background device of the resource assistance transfer platform may have pushed the service order to a background device of the second resource application (i.e., a background device of a resource institution to which the second resource application belongs). Therefore, it can be understood that the second resource application may be invoked through a business association relationship between a resource mechanism to which the target resource account belongs and the resource assistance transfer platform, and the resource mechanism having the business association relationship with the resource assistance transfer platform may support the resource assistance transfer platform to implement order payment by pushing a bill.

Therefore, the user can realize the payment of the service order by only confirming the payment of the service order in the order payment confirmation interface (such as by inputting a payment password and confirming the triggering operation of a confirmation control). For example, after the service order is successfully paid in the order payment confirmation interface, the background device of the second resource application may notify the resource-assisted transfer platform that the service order has been successfully paid, and the resource-assisted transfer platform may further notify the service processing application that the service order has been successfully paid, so that the affiliated person (such as a merchant) of the ordered service object corresponding to the service order in the service processing application may allocate and ship goods to the buyer (such as the user who initiates the service order), that is, the ordered service object is given to the buyer.

Referring to fig. 4 to fig. 7, fig. 4 is a schematic diagram of an interface for order payment according to an embodiment of the present application, fig. 5 is a schematic diagram of an interface for transition resource transfer according to an embodiment of the present application, fig. 6 is a schematic diagram of an interface for identity information authorization according to an embodiment of the present application, and fig. 7 is a schematic diagram of an effect of stepwise displaying to a second resource transfer interface according to an embodiment of the present application.

The interface 1a shown in fig. 4 may be an application interface of a business processing application, the interface 1a may be displayed after a payment operation for a business order is initiated in the business processing application, and the interface 1a may be a payment manner selection interface described above. The interface 1a may display the resource amount "20000" of the resource required to pay the service order, and an optional resource assisted transfer platform, where the name of the optional resource assisted transfer platform may be "pay-per-view", which may be a large transfer product under the B-corporation flag. The interface 1a may further include a "confirm payment" control, which supports the user to select the resource to assist in transferring the platform in the interface 1a, and click the "confirm payment" control, so that the interface 2a shown in fig. 5 may be displayed.

The interface 2a shown in fig. 5 may be a transitional resource transfer interface, where a communication object to which a communication application in a terminal device belongs may use a resource-assisted transfer platform for the first time, so an "open service" control for a "pay-per-view" product may be displayed in the interface 2a, where the "open service" control may be an enable control for the resource-assisted transfer platform. The transition resource transfer interface may also display a plurality of candidate resource accounts, where the plurality of candidate resource accounts may include resource account Y1, resource account Y2, resource account Y3, and so on. The user is supported to click on a control for displaying more selectable resource mechanisms in the transition resource transfer interface, so that more selectable candidate resource accounts and options of other resource accounts can be displayed in the transition resource transfer interface, namely the more selectable candidate resource accounts and the options of other resource accounts can be displayed in a hidden mode, and in an actual application scene, the more selectable candidate resource accounts and the options of other resource accounts can be displayed in a direct list mode instead of being displayed in the transition resource transfer interface in a hidden mode.

The support user clicks on the "open services" control in this interface 2a and may be displayed to the interface 3a shown in fig. 6. The interface 3a shown in fig. 6 is an interface for authorizing the identity information of the communication object to the B enterprise to open the use of the "pay-per-view" service, and may be understood as authorizing the identity information of the communication object to the "pay-per-view" service, that is, to the resource-assisted transfer platform. The interface 2a may have an "grant authorization" control, which supports the user to select the option of "i have read and agree to" buyer service agreement "and the option of" i have read and agree to "personal information grant" in the interface 2a, and click the "grant authorization" control, so that the identity information registered by the communication object in the communication application is granted to the resource assistance transfer platform and displayed on the interface 4a. The interface 4a is an interface with successful identity authorization, that is, an interface with successful real-name authentication, and the interface 4a may also display a hidden display "×" of an object identifier (such as a user name) in the identity information authorized by the communication object, for example, the object identifier may be "Zhang Xiaoming" originally, but the first two characters in the object identifier are hidden and replaced by an asterisk "×", so that the hidden display is shown "×".

The interface 4a further includes a "continue payment" control, which allows the user to click on, return to the displayed interface 2a, and only the "open services" control in the returned displayed interface 2a may be toggled to be displayed as a "confirm payment" control (i.e., a confirm payment control in the transition resource transfer interface described above).

As shown in interface 5a of fig. 7, the user is enabled to click on the "show more optional resource mechanism" control in the transition resource transfer interface, showing the options of multiple candidate resource accounts (including resource account Y1, resource account Y2, resource account Y3, resource account Y4, resource account Y5 and resource account Y6) that are completely optional, as well as the options of other resource accounts. The option that the support user can click to select the other resource accounts is displayed on the interface 6a, the interface 6a can comprise prompt information 1b for selecting the option of the other resource accounts to pay the order, and the prompt information 1b is used for prompting the user to select any resource application (such as a bank App) that the user wants to use to transfer to the appointed account of the merchant, so that the payment of the business order can be realized. The prompt 1b may be displayed in the form of a floating layer in the interface 6 a.

The interface 6a may further include a "i know" control, which allows the user to click on the "i know" control, cancel the display of the prompt 1b, and display the prompt to the interface 7a, where the interface 7a may be the second resource transfer interface, and account information of the collection account (i.e. the first resource account) is displayed in the interface 7a, for example, the account information may include a collection account name "D company" (i.e. account identifier, i.e. account name), a collection account "123456" (i.e. account number), and a collection mechanism "YY mechanism" (which may be a mechanism name of the resource mechanism to which the resource account belongs).

The transfer amount "20000.00" (i.e., the resource transfer amount) may also be displayed in this interface 7 a. And, a "query" control may be displayed in the interface 7a, where the "query" control may be the resource transfer query control described above and may be used to query the payment result for the service order, that is, the resource transfer status for the service order. For example, if the resource transfer status of the service order is a status in the resource transfer, it indicates that the service order has not been successfully paid, if the resource transfer status of the service order is a status in the resource transfer, it indicates that the service order confirmation has been successfully paid, and if the resource transfer status of the service order is a status in the resource transfer failure, it indicates that the service order confirmation has not been successfully paid.

The interface 7a may prompt that the resource transfer is performed by using a resource account name with the same name, where the same name may refer to an object identifier (such as an object name) in the identity information authorized by the communication object in the resource assistance transfer platform, where the object identifier may be "Zhang Xiaoming", and when the resource transfer is performed subsequently, the account name of the account transferred by the used resource may also be the object identifier.

And, a "change" control 2b may be displayed beside the object identifier "Zhang Xiaoming" in the interface 7a, so that the user is supported to click on the "change" control 2b, and instead of using the resource account name with the same name to transfer the resource, the user is supported to transfer the resource by changing the resource account name with the same name as other object identifiers. If the support user can click the "replace" control 2b to call the communication application in the terminal device, and the support user can select a communication object (which may be referred to as a replace communication object) to be replaced in the called communication application, the communication application in the terminal device can send an authorization request to the selected replace communication object, where the authorization request may be a request for authorizing a resource transfer authority for the current communication object (i.e. the above-mentioned real-name authenticated communication redemption), and the resource transfer authority is an authority for performing resource transfer by using the same-name resource account name of the replace communication object. If the replacement communication object confirms that the resource transfer authority is authorized to the current communication object through the authorization request, the service order can be paid by using the resource account of the replacement communication object later. If the authorization request may include a "confirm grant" control, the replacement communication object is supported to click on the "confirm grant" control, so that the resource transfer permission can be granted to the current communication object. The replacement communication object may be the authorization request displayed in a pop-up window (may be displayed by a corresponding terminal device where the communication application of the replacement communication object is located), or may be the authorization request displayed in a manner that the current communication object sends a communication message to the replacement communication object, which is not limited in the present application.

In addition, a prompting time for guiding the user to transfer resources may be displayed in the interface 7a, for example, "please transfer before 3 months 13:04:07", for example, the prompting time (for example, 3 months 13 days 12 points 04 minutes 07 seconds) may be determined according to the time when the user initiates the payment operation for the service order, for example, the prompting time may be 1 hour (or other time) after the time when the payment operation for the service order is initiated, so that the user may be prompted to transfer resources in time.

The interfaces 2a to 7a may all belong to platform interfaces of a resource-assisted transfer platform.

Step S102, a first resource transfer interface of the first resource application is displayed in response to the resource transfer operation in the first resource application.

Specifically, the terminal device may respond to a resource transfer operation in the first resource application, and display a resource transfer interface of the resource application, where the resource transfer interface may be referred to as a first resource transfer interface, and as the name implies, the first resource transfer interface may be an interface for performing resource transfer in the first resource application, for example, the first resource transfer interface may be a transfer interface in the first resource application, and the resource transfer operation may be a transfer operation in the first resource application.

For example, the terminal device may open (e.g., run) the first resource application in response to an open operation to the first resource application, or the first resource application may be in a state (e.g., a running state) that has been opened in advance (e.g., before). The terminal device may display a first resource transfer interface of the first resource application in response to a resource transfer operation (as may be performed by a trigger (e.g., click) of a resource transfer control in an application interface of the open first resource application (as in an application interface of the open first resource application, such as in a home page interface)). That is, the first resource application may be manually opened by a user and a resource transfer operation manually initiated in the opened first resource application.

The terminal device may include a plurality of resource applications (specifically, may be clients of the resource applications), where each resource application may be an application of a resource mechanism to which each resource application belongs, and the first resource application may be any resource application selected by a user from the plurality of resource applications.

The resource mechanism to which the first resource application belongs may be any resource mechanism, and the resource mechanism may not have a business association relationship with the resource assistance transfer platform, or the selected resource mechanism may also be a resource mechanism having a business association relationship with the resource assistance transfer platform. The resource mechanism to which the first resource application belongs can be understood as an option of the user through other resource accounts in the transition resource transfer interface, and any resource mechanism which has or does not have a business association relationship with the resource assistance transfer platform is selected.

Step S103, receiving account information of a first resource account entered in a first resource transfer interface.

Specifically, the terminal device may receive the account information of the first resource account entered in the displayed first resource transfer interface, and the entered account information of the first resource account may be the account information of the first resource account displayed in step S101.

For example, when the account information of the first resource account is displayed in the step S101, a copy control may be displayed near (e.g., near) the account information, so that the user may click on the copy control to copy the displayed account information, or may also be supported to directly perform other copy operations (e.g., long-press copy operations) on the displayed account information, so as to copy the account information. The user can paste the copied account information into the displayed first resource transfer interface so as to realize the operation of inputting the account information of the first resource account in the first resource transfer interface.

The account information of the first resource account, which is recorded in the first resource transfer interface, may be account information of a resource receiver, which is recorded in the first resource transfer interface, that is, the first resource account may be a resource account, which is recorded in the first resource transfer interface, for receiving a resource to be transferred.

In addition, the user is supported to enter the resource amount of the resource to be transferred (i.e. the resource transfer amount, such as transfer amount 20000) and the related description information (such as remark information, which may be any format information, such as text, characters, etc.) for the present resource transfer, etc. in the first resource transfer interface. Therefore, the terminal device may also receive the resource transfer amount entered in the first resource transfer interface and/or the instruction information for performing the resource transfer, and the like.

It will be appreciated that the operations performed by the terminal device in the present application may be performed by (or otherwise by) the application (or platform) in which the operations are located. For example, in the above step S101, the terminal device displays the account information of the first resource account in response to the payment operation for the service order, which may be performed by the service processing application, because the payment operation is performed in the service processing application. For another example, in step S102, the terminal device displays the first resource transfer interface of the first resource application in response to the resource transfer operation in the first resource application, which may be performed by the first resource application, because the resource transfer operation is performed in the first resource application and the first resource transfer interface belongs to the application interface of the first resource application. And the like, and other operations are the same.

Referring to fig. 8, fig. 8 is a schematic diagram illustrating an effect of a first resource transfer interface according to an embodiment of the present application. The interface 1c shown in fig. 8 may be a first resource transfer interface, which may be a transfer interface of a first resource application. The support user can input a user name (such as an account identifier of the first resource account) of the resource receiver (such as an account number of the first resource account), an account number (such as an account number of the first resource account) of the resource receiver, a resource mechanism (such as a bank) to which the resource receiver belongs, and a resource transfer amount (such as an amount to be transferred) in the interface 1c, so that the resource corresponding to the resource transfer amount can be transferred to the first resource account by using the second resource account in the first resource application. Here, the second resource account may be a payment card (tail number 9898) in the interface 1 c.

And step S104, transferring resources from the second resource account in the first resource application to the first resource account according to the entered account information so as to execute payment on the service order.

Specifically, the terminal device may perform resource transfer from the second resource account in the first resource application to the first resource account according to the account information recorded in the first resource transfer interface, so as to perform payment on the service order, that is, implement resource payment (such as checkout/payment) on the service order.

The second resource account may be a resource account of which a user account logged in the first resource application is original in the first resource application, and the resource account may be a deposit type account (an account of which a resource is not pre-chargeable), or may be a credit type account (an account of which a resource is pre-chargeable). The second resource account may be a resource account for making a resource roll-out, and may be referred to as a resource roll-out or a resource provider. In other words, the second resource account may be a payment account for the business order, and the first resource account may be a collection account for the business order. It can be understood that the second resource account is any resource account for order payment selected by the user through the options of other resource accounts in the transition resource transfer interface.

For example, the first resource transfer interface may further include a payment confirmation control, after the user inputs account information and a resource transfer amount of the first resource account in the first resource transfer interface, the terminal device may transfer, in response to a triggering operation of the payment confirmation control in the first resource transfer interface, resources in the second resource account in the first resource application to the first resource account, where the transferred resource amount may be the resource transfer amount input in the first resource transfer interface, for example 20000.

In addition, the account identifier (e.g., account name, may be the object name of the resource object (e.g., user) to which the second resource account belongs) of the second resource account may be the same as (i.e., the same name as) the object identifier (e.g., object name) of the communication object authorized by the identity information in the resource-assisted transfer platform, that is, the owner of the second resource account for making the order payment and the owner of the identity information authenticated by the real name in the resource-assisted transfer platform may be the same as, e.g., the same user, and the resource-assisted transfer platform may obtain the object identifier (i.e., the authorized object identifier) of the communication object.

Or the account identifier of the second resource account may be the same as the object identifier of another communication object authorized to have resource transfer authority to the communication object authenticated by the real name, where the other communication object and the communication object authenticated by the real name may be a friend relationship in the communication application, and for example, the other communication object may be the replacement communication object described above. In other words, the current real-name authenticated communication object can also obtain the authorization of the resource transfer authority of other communication objects, so that the resource account of the other communication objects can be used for paying the service order, the resource transfer authority can be the authority of paying the order by using the resource account of the other communication objects, and the authorization process of the resource transfer authority can be initiated in the platform interface of the resource assisted transfer platform and executed through the communication application, so that if the resource account of the other communication objects is required for paying the order, the resource assisted transfer platform can also obtain the object identification of the other communication objects. By adopting the above manner, the service order can be conveniently subjected to the subsequent money-identifying process in the embodiment corresponding to fig. 10 described below.

After successful resource transfer is performed in the first resource transfer interface of the first resource application, the first resource application in the terminal device can display an application interface with successful resource transfer, and a user can perceive and check that the resource transfer is successful through the application interface. After successful resource transfer is performed in the first resource transfer interface of the first resource application, the resource remaining amount of the user in the second resource account in the first resource application is correspondingly changed, for example 20000 is reduced, and the resource transfer record (for example, transfer record) is recorded in the first resource application, so that the user can also check that the user performs resource transfer of corresponding resource amount to the first resource account successfully through the second resource account in the first resource application. That is, the results of the resource transfer in the first resource application are also visualized to the user.

The account information of the first resource account displayed in step S101 may be displayed in a second resource transfer interface, where a resource transfer query control may be included in the second resource transfer interface, and the resource transfer query control may be a control for querying a status of transferring (i.e., paying) resources for the service order.

Therefore, after the resource transfer is performed in the first resource application to implement the resource payment for the service order, the terminal device may also display (e.g. return to) the second resource transfer interface. For example, the second resource transfer interface is not closed after the display (such as during the resource transfer in the first resource application), but is hidden, the terminal device may redisplay the second resource transfer interface in the uppermost interface of the terminal interface in response to the display operation of the second resource transfer interface, or the second resource transfer interface may be closed in the process, so as to support the user to reopen and display the second resource transfer interface through the service processing application, for example, the service processing application may have an associated control (such as an order payment control), support the user to click (i.e. trigger) the order payment control, and redisplay the second resource transfer interface, or the second resource transfer interface may also be continuously displayed (such as a split screen display) in the terminal interface of the terminal device in the process.

The terminal device can display the resource transfer state aiming at the service order according to the triggering operation of the resource transfer inquiry control in the displayed second resource transfer interface. The resource transfer state can be any one of a state in resource transfer, a state in which resource transfer is successful and a state in which resource transfer is failed.

Referring to fig. 9, fig. 9 is an interface schematic diagram of a query resource transfer result according to an embodiment of the present application. The interface 1d shown in fig. 9 may be the interface 7a shown in fig. 7, where the interface 1d may include a "query" control, and a user may click on the "query" control and display the "query" control to the interface 2d, where the interface 2d is an interface for prompting that a resource transfer result (or may be a resource transfer state) is being queried.

The interface 2d may include a "refresh" control, which supports the user to click on the "refresh" control, refresh and query the latest resource transfer result, if the resource transfer result is queried to be successful, the latest resource transfer result may be displayed on the interface 3d, where the interface 3d is an interface for prompting that the resource transfer of the service order has been successful, and the interface 3d may further include a "complete" control, which supports the user to click on the "complete" control, close the current interface 3d, and may return to an application interface of the service processing application (such as an interface for successful payment of the service order).

The interface 2d may further include an "open transaction notification" control, which is used to support the user to click on the "open transaction notification" control to open a transaction notification for the service order, where the transaction notification may be a notification for a resource transfer result of the service order, that is, the user does not need to wait for querying the resource transfer interface of the service order in the current interface 2d, if the subsequent service order is paid successfully, the prompt message that the service order has been paid successfully may be actively pushed to the user, for example, by pushing to the terminal device of the user. The interfaces 1d to 3d may all belong to interfaces that are resource-assisted transfer platforms.

Wherein, how the resource transfer status is obtained for the service order can be seen from the following description of the corresponding embodiment of fig. 10.

By adopting the method provided by the application, the user is supported to create the service order in the service processing application and initiate the payment operation on the service order, so that the user can transfer resources to the resource receiving account of the service order by self through any resource application (such as a first resource application, which can be any bank App (i.e. any bank application)), and the payment on the service order can be realized, and in the process, no interaction is needed between the service processing application and the first resource application for transferring the resources. Therefore, when the service order is paid, the application can completely limit the resource application for resource transfer, namely the resource mechanism to which the resource application belongs, and the order payment of the service order can be realized no matter how large the user selects the resource application of the resource mechanism or how general or non-general. Therefore, the flexibility and convenience of paying the business order are greatly improved.

Referring to fig. 10, fig. 10 is a flowchart of an order payment method according to an embodiment of the present application. As shown in fig. 10, the method may include:

In step S201, order information sent by the service processing application is received, the order information being sent by the service processing application in response to a payment operation for the service order.

In an implementation manner, the execution body in the embodiment of the present application may be a background device (such as a server, may be referred to as a target server) of the service assistance transfer platform, that is, the operation in the embodiment of the present application may be performed by the background of the service assistance transfer platform, and the execution body in the embodiment of the present application is referred to as a server in the following general description. The application in the terminal device in the embodiment of fig. 3 may be used to visualize the resource transfer process, and the specific processing logic in the resource transfer process may be implemented through the background of the application.

The target server may receive order information sent by a business process application (e.g., a background device of the business process application). The order information may be sent by the service processing application in response to a payment operation for the service order, for example, a client (may be located in the terminal device) of the service processing application may send payment prompt information for the service order to a background device (such as a server) of the service processing application in response to a payment operation for the service order, and after receiving the payment prompt information, the server of the service processing application may send the order information of the service order to the target server, that is, to the background device of the service assistance transfer platform.

The order information may include, for example, an order identification of the service order (e.g., an order number of the service order in the service processing application), a resource payment amount of the service order (i.e., an amount of resources that need to be transferred to pay the service order), and a time of the service order (e.g., 5 months, 5 days, 12:30, which may be, for example, a time at which the service processing application responds to a payment operation for the service order), which may also be a time at which the service order was created.

The service order may be an order for a service object in a service processing application, i.e. the service order may be an order for placing an order for the service object. Thus, in addition to the above information, the order information may also include an application identification of the business processing application, an object identification (which may be a user identification uid) of the affiliated person (e.g., merchant) of the business object to which the business order is placed.

Wherein the owner of the business object (e.g., merchant) may be referred to as the business object holder or the business object owner. The service object holder may register an account number (such as a user account) in the resource-assisted transfer platform, so that the object identifier of the service object holder in the order information may be an account number identifier (such as a user identifier uid) of the account number registered in the resource-assisted transfer platform by the service object holder, or the account number identifier may be referred to as an identity identifier registered in the resource-assisted transfer platform by the service object holder. That is, the owner of the business object may have a registered identity in the resource-assisted transfer platform, and the order information may include the identity of the business object holder registered in the resource-assisted transfer platform.

In addition, when the service object holder performs account registration in the resource assistance transfer platform, the service object holder may bind its own resource receiving account (i.e. collection account), where the resource receiving account bound by the service object holder may include the first resource account, and the first resource account may have an association relationship (or may be a correspondence relationship or a mapping relationship) with the identity registered by the service object holder in the resource assistance transfer platform. The resource-assisted transfer platform may have (e.g., store) account information of the bound first resource account, which may be entered by the business object holder in binding the first resource account.

More, the target server may also return a jump link of the transition resource transfer interface of the resource assistance transfer platform to the service processing application (e.g., to a server of the service processing application) after receiving the order information. The server of the service processing application may link the jump to the client of the service processing application in the terminal device, so that the client of the service processing application may jump to display to the transition resource transfer interface through the jump link, and may display from the transition resource transfer interface to the second resource transfer interface.

The account information of the first resource account may be displayed in the second resource transfer interface. The transition resource transfer interface may include other resource account options that may be used to select a resource account of a resource institution that does not have a business association with the resource-assisted transfer platform as a payment account for making payments for the business order. The second resource transfer interface may be displayed by a selection operation of an option of the other resource account in the transitional resource transfer interface. For a specific description of the transition resource transfer interface and the display of the transition resource transfer interface to the second resource transfer interface, reference may also be made to the description related to the corresponding embodiment of fig. 3.

Step S202, acquiring account information of a first resource account according to the order information, wherein the first resource account is a resource receiving account of the service order.

In one embodiment, the target server may extract, from the order information, an identity of the service object holder registered in the resource-assisted transfer platform, so that the target server may obtain, as account information of a resource account having an association relationship with the extracted identity, account information of a resource receiving account, that is, account information of the first resource account.

The first resource account (i.e., the resource account having an association with the extracted identity) is the resource receiving account of the service order, i.e., the resource account for receiving the resources transferred when payment is made for the service order.

In step S203, the resource transfer information sent by the third resource application to which the first resource account belongs is received, where the resource transfer information is sent when the third resource application detects that the first resource account is transferred with a resource.

In one embodiment, the resource application (which may be a banking application) to which the first resource account belongs may be referred to as a third resource application, and in the present application, a resource organization (such as a banking application) to which the third resource application belongs and the resource assistance transfer platform may have a business association relationship (such as a cooperative relationship) therebetween, through which the resource assistance transfer platform may inform the resource organization to which the third resource application belongs of the first resource account registered and bound by the business object holder, such as a background device (such as a server) sent to the third resource application, so that when a server of a subsequent third resource application obtains a cash flow (which may be referred to as resource transfer information) for the first resource account, the server of the third resource application may send (i.e. provide) the resource transfer information to a target server of the resource assistance transfer platform, so that the resource assistance transfer platform may obtain the resource transfer information of the first resource account.

Thus, the target server may receive the resource transfer information sent by the third resource application to which the first resource account belongs (e.g., sent by the server of the third resource application), where the resource transfer information may be sent when the third resource application detects (e.g., detected by the server of the third resource application) that the first resource account is transferred with a resource, that is, when the first resource account is credited (e.g., resource transfer).

The resource transfer information may include a resource transfer amount for the first resource account (i.e., a resource transfer amount recorded in the current cash flow, that is, a resource amount of a resource transferred in the first resource account at this time, such as 20000), an account identifier of a source account of the resource transferred in the first resource account (may be referred to as a second account identifier, may be an account name of the source account, such as a user name of a user to whom the source account belongs), and a resource transfer time (i.e., a time of transferring the resource into the first resource account recorded in the current cash flow at this time, such as a generation time of the resource transfer information). The source account may be a payment account, i.e. the resources transferred in the first resource account are transferred out of the source account, i.e. the transfer of resources to the first resource account is performed by the source account.

In addition, the resource transfer information may further include an account number (such as a bank card number) of the source account, an account number of the first resource account (i.e., a collection account), an organization identifier (such as an organization name) of the resource organization to which the resource transfer information belongs, and the like.

In one embodiment, the resource transfer-in information may carry signature information, where the signature information may be obtained by signing the resource transfer-in information by using an application private key of a third resource application (such as a server of the third resource application), and may be obtained by encrypting a hash value of the resource transfer-in information by using the application private key.

And the resource assistance transfer platform may have the application public key of the third resource application, i.e. the target server may store (or acquire) the application public key of the third resource application. The application private key and the application public key of the third resource application can form a pair of key pairs, and data encrypted by the application private key can be decrypted by the application public key. Therefore, the target server can adopt the application public key of the third resource application to decrypt the signature information carried by the resource transfer information, a hash value can be obtained, and the hash value obtained through decryption can be called as a decrypted hash value.

The target server may also perform hash calculation on the received resource transfer information, and may obtain a hash value, where the hash value obtained by the hash calculation may be referred to as a calculated hash value. The hash algorithm adopted by the target server for carrying out hash calculation on the resource transfer information can be consistent with the hash algorithm adopted by the third resource application for the resource transfer information.

The target server may compare the decrypted hash value with the calculated hash value, and if the calculated hash value is consistent with the decrypted hash value, it may determine that the resource transfer information is verified as legal, that is, the resource transfer information is actually sent by the third resource application, and the received resource transfer information is truly and trustworthy and may be used for further performing a subsequent operation.

If the calculated hash value is inconsistent with the decrypted hash value, it can be determined that the resource transfer information is verified as illegal, that is, the resource transfer information is not sent by the third resource application, and the received resource transfer information is not truly and credible and cannot be used for subsequent operations. In this case, for example, the target server may notify the third resource application (e.g., via the server of the third resource application) so that the third resource application may resend the authentic trusted resource roll-in information to the target server.

Step S204, the information matching processing is carried out on the order information and the resource transfer information, and the service processing application is prompted that the service order is paid successfully when the matching is successful.

In one embodiment, the target server may perform information matching processing on the order information and the resource transfer information, and may prompt the service processing application that the service order has been paid successfully when the matching of the order information and the resource transfer information is successful.

If the target server can send a payment success prompt message for the service order to the server of the service processing application, the payment success prompt message can carry an order identification (such as an order number in the service processing application and can be extracted from the order information) of the service order, the server of the service processing application can be prompted by the payment success prompt message to pay the service order successfully, so that the server of the service processing application can update an order payment state for the service order, such as an unpaid state to a paid state, and the paid state can be updated and displayed in a client of the service processing application to prompt a service object holder (such as a merchant) to provide a service object (such as a commodity) placed by the service object holder to a user, such as to deliver the commodity to the user, and the user can provide a receiving address (such as a receiving address) for the service object when placing the service object.

The process of performing information matching processing on the order information and the resource transfer information by the target server may include that the target server may also obtain an account identifier (may be referred to as a first account identifier, and may be an account name of the resource payment account, for example, a user name of a user to whom the resource payment account belongs) of a resource payment account of a service order. The resource payment account may be a payment account for making a payment for a business order, which may also be referred to as a resource transfer account, such as the second resource account described above.

The target server may acquire the first account identifier as an object identifier authorized by the acquired communication object for performing identity information authorization in the resource assisted transfer platform, or may acquire the object identifier of another communication object for performing identity information authorization on the communication object for performing identity information authorization.

Therefore, the target server can respectively match the first account identifier, the resource payment amount in the order information and the order placing time in the order information with the second account identifier, the resource transfer amount and the resource transfer time in the resource transfer information, for example, whether the first account identifier is identical to the second account identifier, whether the resource payment amount is identical to the resource transfer amount and whether the resource transfer time is in a time range adjacent to the order placing time can be matched. If the adjacent time range of the order time may be within 1 hour (or other adjacent time ranges) before and after the order time, for example, the order time may be 12:30, and the adjacent time range may be 11:30 to 1:30.

Therefore, if the resource payment amount is the same as the resource transfer amount, the first account identifier and the second account identifier are the same, and the resource transfer time is within the adjacent time range of the placing time, the resource transfer information is indicated to be generated by paying the service order, and the resource transfer information is matched (i.e. corresponding) with the service order, i.e. the resource transfer information is the income flow generated by paying the service order. In this case, the target server may determine that the matching of the order information and the resource transfer information is successful, thereby achieving successful payment of the service order, that is, finding (matching) the payment for the service order.

If the matched resource payment amount is not equal to the resource transfer amount, or the first account identifier is different from the second account identifier, or the resource transfer time is not in the adjacent time range of the order time, the resource transfer information is not generated by paying the service order, and the resource transfer information is not matched with the service order. In this case, the target server may determine that the matching of the order information and the resource transfer information fails, i.e., that no payment for the service order has been matched.

In one embodiment, there may be a plurality of service object holders registered in the resource-assisted transfer platform, so that there may be a plurality of resource accounts (i.e., collection accounts) bound by the registered service object holders in the resource-assisted transfer platform, and after the order information is obtained by the target server, the target server may perform matching processing on the order information and the obtained resource transfer information (including the gold-in flows of the resource accounts bound by the service object holders in the resource-assisted transfer platform) respectively according to the principle described above, so as to obtain resource transfer information corresponding to the order information by matching, and thus achieve successful payment confirmation of the service order to which the order information belongs.

Further, upon receiving the order information, the target server may generate a resource transfer ticket (which may also be referred to as a payment ticket) associated with the order information, where the resource transfer ticket may have a resource transfer identification (which may also be referred to as a payment ticket number). The order information may include an order identification of the business order, which may have an association (or may be a correspondence or a mapping) with the resource transfer identification.

When matching the order information and the resource transfer information is successful, the target server can bind the successfully matched resource transfer information with a resource transfer identifier of the resource transfer list, so that the resource transfer list is verified by the resource transfer information, namely, the service order confirmation of the order identifier associated with the resource transfer identifier bound with the resource transfer information is successfully paid, and the resource transfer state of the service order can be updated to be a state of successful resource transfer.

The target server can generate payment success prompt information for the service order through the order identification associated with the resource transfer identification bound with the resource transfer information. The target server may return the payment success prompt to the service processing application, e.g., to a server of the service processing application, so that the service processing application (e.g., the server of the service processing application) may update the to-be-paid status (or referred to as an unpaid status) of the service order to a paid status via the payment success prompt.

If the service order is not confirmed to be successfully paid within a specified period of time (for example, within half an hour after the payment operation for the service order is initiated), that is, the corresponding resource transfer information is not queried all the time, the payment for the service order can be confirmed to be failed, and the resource transfer state of the service order can be updated to be the state of resource transfer failure. And in the period of time, when the resource transfer information corresponding to the service order is not queried, the resource transfer state of the service order can be the state in the resource transfer.

More, if a certain resource transfer information is not bound to any resource transfer list (i.e. not queried and matched to a corresponding resource transfer list) all the time within a specified period of time (e.g. within 10 minutes after receiving the resource transfer information), that is, not successfully acknowledged by any service order, the resource transfer information is indicated to be wrong in resource transfer and is not the resource transfer information generated by paying any service order, so that the resource assistance transfer platform can inform a resource receiver (e.g. a resource mechanism to which a first resource account belongs) to transfer the resource transfer information to the first resource account, and return the resource to a payer again, such as returning to a source account to which the transferred resource is originally located.

Through the process, data interaction between the first resource application for resource transfer and the service processing application for initiating order payment is not needed, and the resource transfer information generated by paying the service order can be obtained by matching the information of the order information of the service order with the received resource transfer information through the resource assistance transfer platform, so that the payment of the service order is confirmed, the successful payment of the service order is confirmed, the flexibility and convenience of paying the service order in a front-end system are greatly improved, and the experience of paying the order by a user is improved.

Referring to fig. 11, fig. 11 is a schematic flow chart of order payment confirmation according to an embodiment of the present application.

As shown in fig. 11, the method may include:

1. The support user (such as a buyer user) can select goods (such as business objects) in the purchasing platform (i.e. business processing application) through the held terminal equipment and place an order, and select the payment platform to pay the order. The payment platform selected may be the resource-assisted transfer platform of the present application.

The payment platform in the present application may include two modules, namely a payment service (which may also be referred to as a payment response service) and a payment confirmation service (which may also be referred to as a payment confirmation service), where the payment service is used to make a payment for a business order and is used to interact data with the purchase platform, such as with a server of the purchase platform. The money-identifying service can be used for matching the resource transfer information of the service order to realize the money-identifying of the service order, and can be used for carrying out data interaction with a cooperative resource receiver (such as a resource organization to which the first resource account belongs), such as a server of a resource application of the resource organization to which the first resource account belongs.

2.1, The purchasing platform can jump to the payment platform to place an order, for example, the purchasing platform can give the order information of the business order to the payment service so as to request the payment service to pay the business order through the order information.

2.2, After the payment service obtains the order information sent by the purchasing platform, a resource transfer list associated with the order information can be generated, and the resource transfer list can be a payment list corresponding to the service order in the payment platform and used for subsequently confirming the payment of the service order. The order information may be recorded in the resource transfer ticket, which may also have its payment ticket number (i.e., resource transfer identification) in the paymate.

3.1, The payment service can jump to the cashier to display the transaction receipt information. If the payment service receives the order information sent by the purchasing platform, the purchasing platform can also return a jump link of the payment platform to the purchasing platform, so that the purchasing platform can jump to an interface of the payment platform through the jump link, for example, a cash desk interface of the payment platform can be the transition resource transfer interface. The transaction receipt information presented may be account information for a resource receiving account (e.g., a first resource account).

3.2, The payment service may obtain real name information for making the order payment, where the real name information may be a homonym object identifier of a resource account for making the order payment, for example, the real name information may be an object identifier of the communication object authenticated by the real name, or an object identifier of the communication object for replacing the resource transfer authority authorized by the communication object authenticated by the real name. The payment service may supplement the real name information into the previously generated resource transfer sheets.

4. The user can open a mobile phone bank App (i.e. a first resource application may be in a terminal device held by the user) for performing resource transfer, and can jump to a resource transfer function (such as a transfer function) in the opened mobile phone bank App for performing resource transfer. And supporting the user to transfer the resources to the first resource account through the second resource account in the mobile phone banking App by inputting the displayed transaction receipt information and the payment password in the mobile phone banking App.

And 5.1, transferring corresponding resources (the resource quantity can be the resource quantity required to pay the service order) to a cooperative resource receiver by a resource transfer party (such as a resource mechanism to which the second resource account belongs) through related operation of the user on the mobile phone bank App.

And 5.2, after receiving the resource transfer information of the registered first resource account, the cooperative resource receiver can inform the resource transfer information and send the resource transfer information to the payment service of the payment platform, for example, the payment service can be sent to the payment platform through a server of the resource receiver.

And 5.3, after receiving the resource transfer information sent by the resource receiver, the money-identifying service can verify the legality of the resource transfer information, such as by the signature information, and can store the resource transfer information in a warehouse, such as in a database, after the verification is legal.

6. The payment service may initiate a validation of the business order to the validation service, i.e., confirm to the validation service whether the business order has completed payment. For example, the payment service may initiate a credit for the business order to the credit service at periodic intervals (e.g., every 1 second), or the credit service may initiate a credit for the business order to the credit service when the user triggers a query for the resource transfer status of the business order.

Or in order to promote the timeliness of order payment confirmation, when the payment confirmation service obtains the resource transfer information, the payment collection account number (namely, the account number of the first resource account) in the resource transfer information, the resource transfer amount and the payer name (namely, the account name of the source account of the transferred resource) can be notified and given to the payment service, so that the payment service can screen out the matched service order which is not confirmed (namely, not confirmed to pay) yet according to the information, and a payment confirmation request can be initiated in a targeted manner for the screened service order one-way payment confirmation service, thereby realizing the rapid payment of the service order which is not confirmed yet.

The above-mentioned timing of the payment service initiating the payment request for the service order to the payment service is merely exemplary, and any other applicable timing may be used in the actual application scenario, which is not limited in the present application.

7. After receiving the request of payment service for the service order, the payment service can query the resource transfer information which is received before and not subjected to corresponding payment, for example, the corresponding resource transfer information can be queried through the information matching between the order information received by the service order and the resource transfer information, so as to query the resource transfer information matched with the order information, for example, the resource transfer information successfully matched with the order information is queried.

8. The payment confirmation service can perform three-element verification through the queried resource transfer-in information, including verification of a payment account number (such as an account number of a source account of the transferred resource) in the resource transfer-in information, a payer name and an identity number corresponding to a real name of a payer, namely, whether the three elements correspond to the same payer or not is verified, and if the three elements are successfully verified, the user can be confirmed not to be mistakenly confirmed.

In one embodiment, after three-element verification is performed on a payment user for the first time, the three-element verification result of the payment user may be stored (for example, the three-element verification result may be stored by the uid registered in the resource-assisted transfer platform by the payment user), and subsequently, when three-element verification is required for a certain payment user, whether the three-element verification result of the payment user (for example, the three-element verification result may be queried by the uid registered in the resource-assisted transfer platform by the payment user) is stored may be queried first, if so, the three-element verification result obtained by the previous verification may be directly used, and if not, the three-element verification process may be performed on the payment user again, so that repeated three-element verification on the same payment user may be avoided, and verification resources may be saved.

9. If the verification of the three elements is successful, the money-identifying service can bind the queried resource transfer list, for example, the resource transfer identifier of the resource transfer list is bound with the queried resource transfer information, and the money-identifying (namely payment confirmation) of the corresponding service order is realized by binding the resource transfer information of the resource transfer identifier.

After one resource transfer information is bound, the other resource transfer list can not be bound, so that the repeated binding and money recognition of the same resource transfer information by different resource transfer lists can be avoided. That is, the resource transfer list and the resource transfer information are in one-to-one relation, one resource transfer list can be bound with one matched resource transfer information to realize the payment of one service order, otherwise, one resource transfer information can be bound with one corresponding resource transfer list to realize the payment of one service order.

For example, a resource transfer ticket may include a payment ticket number (i.e., a resource transfer identification), a payee identification (e.g., a merchant uid that the payee registered with the resource-assisted transfer platform), a resource transfer amount, a payer name (i.e., real name information as described above), a payer identification (e.g., a user uid that the payer registered with the resource-assisted transfer platform), a remark (which may be a relevant remark, which may be empty), and a status (e.g., whether there is bound resource transfer information). A resource transfer information (e.g., a cash flow) may include a resource organization id (i.e., an identification of the resource organization), a transaction serial number of the resource organization, an internal account id (e.g., an account number of the resource receiving account), an associated order id (which may be initially empty, i.e., may be an empty when the resource transfer list is unbound, and may be a resource transfer identification of the bound resource transfer list after binding), an affiliation (i.e., a remark when the resource is transferred, may be empty), a resource transfer time (i.e., a resource transfer time), a resource transfer amount, an account name (i.e., an account name of a source account of the transferred resource), an account number (an account number of a source account of the transferred resource), and a validation status (i.e., a binding status, i.e., whether the matched resource transfer list is bound).

10. The validation service may return a validation result to the payment service, e.g., the validation result may be a result of a successful validation of the service order, i.e., a result of a confirmation that the service order was successfully paid.

11. After receiving the payment result returned by the payment service, the payment service can update the payment state of the resource transfer list to be successful, that is, the resource transfer list is indicated to find out the matched payment, that is, the matched resource transfer information.

12. The payment service may return a resource transfer result to the purchase platform, e.g., the resource transfer result may be a result of a successful resource transfer to the service order, i.e., a result of a successful payment to the service order, so that the purchase platform may shipment (e.g., ship) the service object placed by the service order.

The method provided by the application can support large-limit resource transfer, the limit of the transferred resource is limited by the limit of the resource account in the resource mechanism, and high handling cost is not needed, so that the handling cost of a user in order payment can be greatly reduced, and the convenience of the user in order payment is improved.

Referring to fig. 12, fig. 12 is a schematic structural diagram of a payment processing apparatus according to an embodiment of the present application. As shown in fig. 12, the payment processing arrangement 120 may include a first response module 1201, a second response module 1202, an account receiving module 1203, and a resource transfer module 1204.

A first response module 1201, configured to respond to a payment operation for a service order, and display account information of a first resource account, where the first resource account is a resource receiving account of the service order;

A second response module 1202 for displaying a first resource transfer interface of a first resource application in response to a resource transfer operation in the first resource application;

An account receiving module 1203 configured to receive account information of the first resource account entered in the first resource transfer interface;

and the resource transfer module 1204 is used for carrying out resource transfer from a second resource account in the first resource application to the first resource account according to the entered account information so as to execute payment on the service order.

In one embodiment, the account information is displayed in a second resource transfer interface including a resource transfer query control, and the resource transfer module 1204 is further configured to, after payment is performed for the business order:

displaying the second resource transfer interface;

In one embodiment, the manner in which the first response module 1201 displays the account information of the first resource account in response to the payment operation for the service order includes:

In one embodiment, the manner of skipping the second resource transfer interface displayed to the resource assisted transfer platform by the first response module 1201 in response to the payment operation includes:

In one embodiment, the resource-assisted transfer platform belongs to a platform in a communication application, and the device 120 is applied to a terminal device;

The first response module 1201 jumps to display to the second resource transfer interface according to the selection operation of the resource assistance transfer platform in the payment mode selection interface, and includes:

In one embodiment, if the communication object to which the communication application in the terminal device belongs is to use the resource assistance transfer platform for the first time, the transition resource transfer interface includes an enabling control for the resource assistance transfer platform, and the manner of displaying the transition resource transfer interface to the second resource transfer interface by the first response module 1201 includes:

The manner in which the first response module 1201 displays the transition resource transfer interface to the second resource transfer interface includes:

In one embodiment, the first response module 1201 is further configured to:

According to one embodiment of the application, the steps involved in the payment processing method shown in fig. 3 may be performed by the various modules in the payment processing apparatus 120 shown in fig. 12. For example, step S101 shown in FIG. 3 may be performed by the first response module 1201 in FIG. 12, step S102 shown in FIG. 3 may be performed by the second response module 1202 in FIG. 12, step S103 shown in FIG. 3 may be performed by the account receiving module 1203 in FIG. 12, and step S104 shown in FIG. 3 may be performed by the resource transfer module 1204 in FIG. 12.

Referring to fig. 13, fig. 13 is a schematic structural diagram of another payment processing apparatus according to an embodiment of the present application. As shown in fig. 13, the payment processing apparatus 130 may include an order receiving module 1301, an acquiring module 1302, an information receiving module 1303, and a matching module 1304.

An order receiving module 1301, configured to receive order information sent by a service processing application, where the order information is sent by the service processing application in response to a payment operation for a service order;

An obtaining module 1302, configured to obtain account information of a first resource account according to the order information, where the first resource account is a resource receiving account of the service order;

The information receiving module 1303 is configured to receive resource transfer information sent by a third resource application to which the first resource account belongs, where the resource transfer information is sent when the third resource application detects that a resource is transferred into the first resource account;

And a matching module 1304, configured to perform information matching processing on the order information and the resource transfer information, and when matching is successful, prompt the service processing application that the service order is paid successfully.

In an implementation manner, the above apparatus 130 is applied to a server of a resource assistance transfer platform, the service order is an order for a service object in the service processing application, the owner of the service object has a registered identity in the resource assistance transfer platform, the first resource account is a resource account of the owner of the service object, the identity and the first resource account have an association relationship in the resource assistance transfer platform, and the order information includes the identity;

The obtaining module 1302 obtains account information of the first resource account according to the order information, including:

Extracting the identity from the order information;

In one embodiment, the order information includes a resource payment amount of the service order and an order placing time of the service order, the resource transfer information includes a resource transfer amount for the first resource account, a second account identifier of a source account of a resource transferred in the first resource account, and a resource transfer time, and the matching module 1304 performs an information matching process on the order information and the resource transfer information, including:

the matching module 1304, when the matching is successful, prompts the service processing application that the service order was paid successfully, includes:

In one embodiment, the above device 130 is applied to a server of a resource-assisted transfer platform, and after receiving the order information, the order receiving module 1301 is further configured to:

In one embodiment, the resource transfer-in information carries signature information, where the signature information is obtained by encrypting a hash value of the resource transfer-in information by using an application private key of the third resource application, and the information receiving module 1303 is further configured to:

According to one embodiment of the present application, the steps involved in the payment processing method shown in fig. 10 may be performed by the respective modules in the payment processing apparatus 130 shown in fig. 13. For example, step S201 shown in FIG. 10 may be performed by order receiving module 1301 in FIG. 13, step S202 shown in FIG. 10 may be performed by acquisition module 1302 in FIG. 13, step S203 shown in FIG. 10 may be performed by information receiving module 1303 in FIG. 13, and step S204 shown in FIG. 10 may be performed by matching module 1304 in FIG. 13.

The method and the system can respond to the payment operation of the service order and display account information of a first resource account which is a resource receiving account of the service order, can respond to the resource transfer operation in the first resource application and display a first resource transfer interface of the first resource application, and can receive the account information of the first resource account recorded in the first resource transfer interface, so that resource transfer can be carried out from a second resource account in the first resource application to the first resource account according to the recorded account information, and payment of the service order is realized. Therefore, when the device provided by the application needs to pay the service order, the account information of the resource receiving account (namely the first resource account) of the service order can be directly input into the first resource application, so that the quick payment of the service order can be realized by transferring the resources to the first resource account through the second resource account in the first resource application, any binding operation and other operations on the second resource account in the first resource application are not needed, and the type of the first resource application used for transferring the resources is not limited, so that the flexibility and convenience of paying the service order are improved.

According to an embodiment of the present application, each module in the payment processing apparatus 120 shown in fig. 12 and the payment processing apparatus 130 shown in fig. 13 may be separately or completely combined into one or several units to form a structure, or some unit(s) thereof may be further split into a plurality of sub-units with smaller functions, so that the same operation may be achieved without affecting the implementation of the technical effects of the embodiments of the present application. The above modules are divided based on logic functions, and in practical applications, the functions of one module may be implemented by a plurality of units, or the functions of a plurality of modules may be implemented by one unit. In other embodiments of the present application, payment processing arrangement 120 and payment processing arrangement 130 may also include other elements, and in actual practice, these functions may also be facilitated by other elements and may be cooperatively implemented by a plurality of elements.

In the present embodiment, the term "module" or "unit" refers to a computer program or a part of a computer program having a predetermined function and working together with other relevant parts to achieve a predetermined object, and may be implemented in whole or in part by using software, hardware (such as a processing circuit or a memory), or a combination thereof. Also, a processor (or multiple processors or memories) may be used to implement one or more modules or units. Furthermore, each module or unit may be part of an overall module or unit that incorporates the functionality of the module or unit.

According to one embodiment of the present application, a computer program capable of executing the steps involved in the respective methods shown in the embodiments of the present application may be run on a general-purpose computer device, which may contain a processing element and a storage element such as a Central Processing Unit (CPU), a random access storage medium (RAM), a read only storage medium (ROM), etc., to construct the payment processing apparatus 120 shown in fig. 12 and the payment processing apparatus 130 shown in fig. 13. The above-described computer program may be recorded on, for example, a computer-readable recording medium, and may be loaded into and executed in the above-described computer apparatus through the computer-readable recording medium.

Referring to fig. 14, fig. 14 is a schematic structural diagram of a computer device according to an embodiment of the application. As shown in fig. 14, the computer device 1000 may include a processor 1001, a network interface 1004, and a memory 1005, and in some embodiments, the computer device 1000 may also include a user interface 1003, and at least one communication bus 1002. Wherein the communication bus 1002 is used to enable connected communication between these components. The user interface 1003 may include a Display (Display), a Keyboard (Keyboard), and the optional user interface 1003 may further include a standard wired interface, a wireless interface, among others. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (non-volatile memory), such as at least one disk memory. The memory 1005 may also optionally be at least one storage device located remotely from the processor 1001. As shown in fig. 14, an operating system, a network communication module, a user interface module, and a device control application program may be included in the memory 1005, which is one type of computer storage medium.

In the computer device 1000 shown in fig. 14, the network interface 1004 may provide network communication functions, while the user interface 1003 is mainly used as an interface for providing input to a user, and the processor 1001 may be used to invoke a device control application program stored in the memory 1005 to realize:

In one embodiment, the processor 1001 may also be used to invoke a device control application stored in the memory 1005 to implement:

It should be understood that the computer device 1000 described in the embodiments of the present application may perform the description of the payment processing method in the embodiments of the present application, and may also perform the description of the payment processing apparatus 120 in the embodiment corresponding to fig. 12 and the description of the payment processing apparatus 130 in the embodiment corresponding to fig. 13, which are not repeated herein. In addition, the description of the beneficial effects of the same method is omitted.

In addition, it should be noted that the present application further provides a computer readable storage medium, and the computer readable storage medium stores a computer program, which when executed by a processor, can perform the description of the payment processing method in each embodiment of the present application, and thus, a detailed description thereof will not be provided herein. In addition, the description of the beneficial effects of the same method is omitted. For technical details not disclosed in the embodiments of the computer storage medium according to the present application, please refer to the description of the method embodiments of the present application.

As an example, the above-described computer program may be deployed to be executed on one computer device or on multiple computer devices that are located at one site, or on multiple computer devices that are distributed across multiple sites and interconnected by a communication network, where the multiple computer devices that are distributed across multiple sites and interconnected by a communication network may constitute a blockchain network.

The computer readable storage medium may be an internal storage unit of the computer device, such as a hard disk or a memory of the computer device. The computer readable storage medium may also be an external storage device of the computer device, such as a plug-in hard disk, a smart memory card (SMART MEDIA CARD, SMC), a Secure Digital (SD) card, a flash memory card (FLASH CARD), etc. that are provided on the computer device. Further, the computer-readable storage medium may also include both internal storage units and external storage devices of the computer device. The computer-readable storage medium is used to store the computer program and other programs and data required by the computer device. The computer-readable storage medium may also be used to temporarily store data that has been output or is to be output.

The present application provides a computer program product comprising a computer program stored in a computer readable storage medium. The processor of the computer device reads the computer program from the computer-readable storage medium, and the processor executes the computer program, so that the computer device performs the description of the payment processing method in the embodiments of the present application, and thus, a detailed description thereof will not be provided herein. In addition, the description of the beneficial effects of the same method is omitted. For technical details not disclosed in the embodiments of the computer-readable storage medium according to the present application, please refer to the description of the method embodiments of the present application.

The terms first, second and the like in the description and in the claims and drawings of embodiments of the application are used for distinguishing between different objects and not for describing a particular sequential order. Furthermore, the term "include" and any variations thereof is intended to cover a non-exclusive inclusion. For example, a process, method, apparatus, article, or device that comprises a list of steps or elements is not limited to the list of steps or modules but may, in the alternative, include other steps or modules not listed or inherent to such process, method, apparatus, article, or device.

Those of ordinary skill in the art will appreciate that the elements and algorithm steps described in connection with the embodiments disclosed herein may be embodied in electronic hardware, in computer software, or in a combination of the two, and that the elements and steps of the examples have been generally described in terms of function in the foregoing description to clearly illustrate the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.

The foregoing disclosure is illustrative of the present application and is not to be construed as limiting the scope of the application, which is defined by the appended claims.

Claims

1. A payment processing method, characterized in that the method comprises:

In response to a payment operation on a business order, displaying account information of a first resource account, where the first resource account is a resource receiving account for the business order;

In response to a resource transfer operation in a first resource application, displaying a first resource transfer interface of the first resource application;

receiving the account information of the first resource account entered in the first resource transfer interface;

According to the entered account information, resources are transferred from the second resource account in the first resource application to the first resource account to execute payment for the business order.

2. The method according to claim 1, wherein the account information is displayed in a second resource transfer interface, the second resource transfer interface including a resource transfer query control; after payment is made for the business order, the method further comprises:

Displaying the second resource transfer interface;

Displaying the resource transfer status for the business order according to a triggering operation on the resource transfer query control in the second resource transfer interface;

The resource transfer status is any one of the following: a resource transfer in progress, a resource transfer success, or a resource transfer failure.

3. The method according to claim 1, wherein displaying the account information of the first resource account in response to the payment operation for the business order comprises:

In response to the payment operation, jumping to the second resource transfer interface of the resource assistance transfer platform;

4. The method according to claim 3, wherein, in response to the payment operation, jumping to the second resource transfer interface of the resource assisted transfer platform comprises:

In response to the payment operation, displaying a payment method selection interface; the payment method selection interface includes the optional resource assistance transfer platform;

According to the selection operation of the resource assistance transfer platform in the payment method selection interface, the display jumps to the second resource transfer interface.

5. The method according to claim 4, wherein the resource assisted transfer platform is a platform in a communication application, and the method is executed by a terminal device;

The step of jumping to the second resource transfer interface based on the selection operation of the resource assistance transfer platform in the payment method selection interface includes:

According to the selection operation of the resource assistance transfer platform in the payment method selection interface, the communication application running on the terminal device jumps to the transition resource transfer interface;

The transition resource transfer interface is displayed to the second resource transfer interface.

6. The method of claim 5, wherein if the communication partner of the communication application in the terminal device is using the resource-assisted transfer platform for the first time, the transitional resource transfer interface includes an activation control for the resource-assisted transfer platform; and the displaying of the second resource transfer interface from the transitional resource transfer interface includes:

In response to a triggering operation on the enabling control in the transitional resource transfer interface, displaying an identity authorization interface;

According to the authorization operation in the identity authorization interface, the identity information of the communication object in the communication application is authorized to the resource assistance transfer platform, and the display returns to the transitional resource transfer interface, wherein the activation control in the transitional resource transfer interface that is returned to is switched to a payment confirmation control;

The transition resource transfer interface that is returned to is displayed on the second resource transfer interface.

7. The method according to claim 5, wherein if the communication partner of the communication application in the terminal device is not using the resource assistance transfer platform for the first time, the transitional resource transfer interface includes a payment confirmation control;

The transitional resource transfer interface includes options for each of a plurality of candidate resource accounts and options for other resource accounts. The resource organizations to which the plurality of candidate resource accounts belong all have a business association relationship with the resource assistance transfer platform. The options for the other resource accounts are used to select resource accounts of resource organizations that do not have a business association relationship with the resource assistance transfer platform.

The displaying of the second resource transfer interface from the transitional resource transfer interface includes:

In response to a selection operation on the option of the other resource account in the transitional resource transfer interface, selecting the option of the other resource account; and,

Displaying the second resource transfer interface according to a triggering operation of the payment confirmation control in the transitional resource transfer interface;

The account identifier of the second resource account is the same as the object identifier in the identity information authorized by the communication object to the resource assisted transfer platform, or the account identifier of the second resource account is the same as the object identifier of other communication objects that have authorized resource transfer authority to the communication object.

8. The method according to claim 7, further comprising:

In response to a selection operation on a target resource account from among the plurality of candidate resource accounts in the transitional resource transfer interface, selecting the target resource account; and,

Invoking a second resource application to which the target resource account belongs in the terminal device according to a triggering operation on the payment confirmation control in the transitional resource transfer interface to execute payment for the business order;

The second resource application is called based on the business association relationship between the resource organization to which the target resource account belongs and the resource assistance transfer platform.

9. The method according to claim 1, further comprising:

In response to an ordering operation on a business object in a business processing application, obtaining the business order for the business object;

The first resource account is a resource account of the owner of the business object.

10. A payment processing method, characterized in that the method comprises:

receiving order information sent by a business processing application, wherein the order information is sent by the business processing application in response to a payment operation for a business order;

Acquire account information of a first resource account according to the order information, where the first resource account is a resource receiving account for the service order;

receiving resource transfer information sent by a third resource application to which the first resource account belongs, wherein the resource transfer information is sent when the third resource application detects that resources have been transferred into the first resource account;

An information matching process is performed on the order information and the resource transfer information, and when the matching is successful, a prompt is given to the business processing application that the business order is successfully paid.

11. The method according to claim 10, characterized in that the method is executed by a server of a resource-assisted transfer platform, the business order is an order for a business object in the business processing application, the owner of the business object has an identity identifier registered in the resource-assisted transfer platform, the first resource account is the resource account of the owner of the business object, the identity identifier and the first resource account are associated in the resource-assisted transfer platform, and the order information includes the identity identifier;

The acquiring the account information of the first resource account according to the order information includes:

Extracting the identity identifier from the order information;

The account information of a resource account associated with the extracted identity identifier is obtained as the account information of the first resource account.

12. The method of claim 10, wherein the order information includes the resource payment amount of the business order and the order placement time of the business order; the resource transfer information includes the resource transfer amount for the first resource account, the second account identifier of the source account of the resources transferred into the first resource account, and the resource transfer time; and the information matching processing of the order information and the resource transfer information includes:

Obtaining a first account identifier of a resource payment account for the business order;

Matching the resource payment amount, the first account identifier, and the order time with the resource transfer-in amount, the second account identifier, and the resource transfer-in time, respectively;

If the resource payment amount is equal to the resource transfer amount, the first account identifier is the same as the second account identifier, and the resource transfer time is within a time range close to the order time, then it is determined that the order information and the resource transfer information are successfully matched;

If the resource transfer amount is not equal to the resource transfer-in amount, the first account identifier is different from the second account identifier, or the resource transfer-in time is not within the adjacent time range, it is determined that the matching of the order information and the resource transfer-in information has failed.

13. The method according to claim 12, wherein after receiving the order information, the server generates a resource transfer order associated with the order information, the resource transfer order having a resource transfer identifier, the order information including the order identifier of the business order, and the resource transfer identifier being associated with the order identifier;

When the matching is successful, prompting the business processing application that the business order has been paid successfully includes:

When the order information and the resource transfer information are successfully matched, binding the resource transfer information with the resource transfer identifier;

generating payment success prompt information for the business order based on the order identifier associated with the resource transfer identifier bound to the resource transfer-in information;

The payment success prompt information is returned to the business processing application, so that the business processing application updates the pending payment status of the business order to a paid status based on the payment success prompt information.

14. The method according to claim 10, wherein the method is executed by a server of a resource assisted transfer platform; after receiving the order information, the method further comprises:

Returning a jump link to the transitional resource transfer interface of the resource assisted transfer platform to the business processing application, causing the business processing application to jump to the transitional resource transfer interface based on the jump link, and then display from the transitional resource transfer interface to the second resource transfer interface;

Wherein, the account information of the first resource account is displayed in the second resource transfer interface;

The transition resource transfer interface includes options for other resource accounts, and the options for other resource accounts are used to select resource accounts of resource organizations that have no business relationship with the resource assistance transfer platform. The second resource transfer interface is displayed based on the selection operation of the options for other resource accounts in the transition resource transfer interface.

15. The method according to claim 10, wherein the resource transfer information carries signature information, and the signature information is obtained by encrypting a hash value of the resource transfer information using an application private key owned by the third resource application; the method further comprising:

Decrypting the signature information using the application public key of the third resource application to obtain a decrypted hash value;

Performing hash calculation on the resource transfer information to obtain a calculated hash value;

If the calculated hash value is consistent with the decrypted hash value, it is determined that the resource transfer information is verified to be legal;

If the calculated hash value is inconsistent with the decrypted hash value, it is determined that the resource transfer information is verified to be illegal.

16. A payment processing device, comprising:

a first response module, configured to display account information of a first resource account in response to a payment operation on a business order, where the first resource account is a resource receiving account for the business order;

a second response module, configured to display a first resource transfer interface of the first resource application in response to a resource transfer operation in the first resource application;

An account receiving module, configured to receive the account information of the first resource account entered in the first resource transfer interface;

A resource transfer module is configured to transfer resources from the second resource account in the first resource application to the first resource account according to the entered account information, so as to execute payment for the business order.

17. A payment processing device, comprising:

An order receiving module, configured to receive order information sent by a business processing application, wherein the order information is sent by the business processing application in response to a payment operation for a business order;

an acquisition module, configured to acquire account information of a first resource account according to the order information, where the first resource account is a resource receiving account for the service order;

an information receiving module, configured to receive resource transfer information sent by a third resource application to which the first resource account belongs, wherein the resource transfer information is sent when the third resource application detects that resources have been transferred into the first resource account;

The matching module is used to perform information matching processing on the order information and the resource transfer information, and when the matching is successful, prompt the business processing application that the business order has been paid successfully.

18. A computer program product, characterized in that it comprises a computer program, and when the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 15 are implemented.

19. A computer device, comprising a memory and a processor, wherein the memory stores a computer program, and when the computer program is executed by the processor, the processor executes the steps of the method according to any one of claims 1 to 15.

20. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program, wherein the computer program is suitable for being loaded by a processor and executing the steps of the method according to any one of claims 1 to 15.