CN117787967A

CN117787967A - Order payment method and device based on credit

Info

Publication number: CN117787967A
Application number: CN202311760378.7A
Authority: CN
Inventors: 刘天宇
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2023-12-19
Filing date: 2023-12-19
Publication date: 2024-03-29

Abstract

The embodiment of the specification provides a credit-based order payment method and a credit-based order payment device, wherein the credit-based order payment method comprises the following steps: in the payment process of a user carrying out a transaction order through a user terminal, responding to a payment request of the transaction order of the user sent by a transaction server, inquiring a payment channel opened by the user to return to the transaction server, carrying out credit payment evaluation of the user to obtain an evaluation result, returning to the transaction server, receiving a credit payment request submitted by the transaction server when the credit payment is available, and carrying out credit payment processing based on the credit payment request.

Description

Order payment method and device based on credit

Technical Field

The present document relates to the field of data processing technologies, and in particular, to a credit-based order payment method and apparatus.

Background

With the continuous development of internet technology and the continuous improvement of the living standard of users, online shopping has become a common behavior in the life of users, users browse commodities and make orders on a shopping platform, the online shopping platform is convenient and quick, time and worry are saved, the number of users of the shopping platform is continuously rising, more and more users start to make shopping by using an online shopping mode, and with the continuous rising of the number of users and the continuous residence of merchants, payment transaction data between the users and the merchants are more and more, so that higher requirements are provided for online shopping providers.

Disclosure of Invention

One or more embodiments of the present specification provide a credit-based order payment method applied to a payment server, the method including: and receiving a payment request of the transaction order of the user sent by the transaction server. And responding to the payment request, inquiring a payment channel opened by the user, performing credit payment evaluation on the user to obtain an evaluation result, and returning the payment channel and the evaluation result to the transaction server. A credit payment request submitted by the transaction server if credit payment is available is received. And the credit payment request is generated according to a credit payment instruction of the credit payment recommendation which is carried out by the user after the payment cancellation. And carrying out credit payment processing of the transaction order based on the credit payment request.

One or more embodiments of the present specification provide another credit-based order payment method, applied to a transaction server, the method comprising: creating a trade order according to a trade command of a user, generating a payment request of the trade order and sending the payment request to a payment server. And receiving a payment channel opened by the user and returned by the payment server, and carrying out credit payment evaluation on the user. And if the evaluation result is that credit payment is available, carrying out credit payment recommendation to the user after detecting payment cancellation. And generating a credit payment request according to the credit payment instruction recommended by the user for the credit payment and sending the credit payment request to the payment server so as to process the credit payment of the transaction order.

One or more embodiments of the present specification provide a credit-based order payment apparatus, operable on a payment server, the apparatus comprising: and the payment request receiving module is configured to receive a payment request of the transaction order of the user, which is sent by the transaction server. And the credit payment evaluation module is configured to respond to the payment request, inquire the payment channel opened by the user, evaluate the credit payment of the user to obtain an evaluation result, and return the payment channel and the evaluation result to the transaction server. A credit payment request receiving module configured to receive a credit payment request submitted by the transaction server if credit payment is available. And the credit payment request is generated according to a credit payment instruction of the credit payment recommendation which is carried out by the user after the payment cancellation. A credit payment processing module configured to conduct credit payment processing of the transaction order based on the credit payment request.

One or more embodiments of the present specification provide another credit-based order payment device, operable on a transaction server, the device comprising: and the payment request sending module is configured to create a trade order according to the trade instruction of the user, generate a payment request of the trade order and send the payment request to the payment server. And the credit evaluation result receiving module is configured to receive a payment channel opened by the user and returned by the payment server, and an evaluation result of credit payment evaluation on the user. And the credit payment recommending module is configured to make credit payment recommendation to the user after detecting payment cancellation if the evaluation result is that credit payment is available. And the credit payment request sending module is configured to generate a credit payment request according to a credit payment instruction recommended by the user for the credit payment and send the credit payment request to the payment server so as to process the credit payment of the transaction order.

One or more embodiments of the present specification provide a payment server including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and receiving a payment request of the transaction order of the user sent by the transaction server. And responding to the payment request, inquiring a payment channel opened by the user, performing credit payment evaluation on the user to obtain an evaluation result, and returning the payment channel and the evaluation result to the transaction server. A credit payment request submitted by the transaction server if credit payment is available is received. And the credit payment request is generated according to a credit payment instruction of the credit payment recommendation which is carried out by the user after the payment cancellation. And carrying out credit payment processing of the transaction order based on the credit payment request.

One or more embodiments of the present specification provide a transaction server comprising: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: creating a trade order according to a trade command of a user, generating a payment request of the trade order and sending the payment request to a payment server. And receiving a payment channel opened by the user and returned by the payment server, and carrying out credit payment evaluation on the user. And if the evaluation result is that credit payment is available, carrying out credit payment recommendation to the user after detecting payment cancellation. And generating a credit payment request according to the credit payment instruction recommended by the user for the credit payment and sending the credit payment request to the payment server so as to process the credit payment of the transaction order.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed by a processor, implement the following: and receiving a payment request of the transaction order of the user sent by the transaction server. And responding to the payment request, inquiring a payment channel opened by the user, performing credit payment evaluation on the user to obtain an evaluation result, and returning the payment channel and the evaluation result to the transaction server. A credit payment request submitted by the transaction server if credit payment is available is received. And the credit payment request is generated according to a credit payment instruction of the credit payment recommendation which is carried out by the user after the payment cancellation. And carrying out credit payment processing of the transaction order based on the credit payment request.

One or more embodiments of the present specification provide another storage medium storing computer-executable instructions that, when executed by a processor, implement the following: creating a trade order according to a trade command of a user, generating a payment request of the trade order and sending the payment request to a payment server. And receiving a payment channel opened by the user and returned by the payment server, and carrying out credit payment evaluation on the user. And if the evaluation result is that credit payment is available, carrying out credit payment recommendation to the user after detecting payment cancellation. And generating a credit payment request according to the credit payment instruction recommended by the user for the credit payment and sending the credit payment request to the payment server so as to process the credit payment of the transaction order.

Drawings

For a clearer description of one or more embodiments of the present description or of the solutions of the prior art, the following brief description of the drawings is provided for the purpose of making it apparent, to those skilled in the art, that the drawings in the following description are only some of the embodiments described in the present description, from which other drawings can be obtained without the need for inventive labour;

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

FIG. 2 is a flow diagram of a credit-based order payment method provided in one or more embodiments of the present disclosure;

FIG. 3 is a schematic view of a merchandise display page provided in one or more embodiments of the present disclosure;

FIG. 4 is a schematic diagram of a merchandise order page provided in one or more embodiments of the present disclosure;

FIG. 5 is a schematic diagram of a payment confirmation page provided in one or more embodiments of the present disclosure;

FIG. 6 is a schematic diagram of a credit payment recommendation page provided in one or more embodiments of the present disclosure;

FIG. 7 is a schematic diagram of a credit payment processing page provided in one or more embodiments of the present disclosure;

FIG. 8 is a process timing diagram of a credit-based order payment method for use in a credit payment scenario provided by one or more embodiments of the present disclosure;

FIG. 9 is a process flow diagram of another credit-based order payment method provided by one or more embodiments of the present disclosure;

FIG. 10 is a schematic diagram of an embodiment of a credit-based order payment device provided in one or more embodiments of the present disclosure;

FIG. 11 is a schematic diagram of another credit-based order payment device embodiment provided by one or more embodiments of the present disclosure;

FIG. 12 is a schematic diagram of a payment server according to one or more embodiments of the present disclosure;

fig. 13 is a schematic structural diagram of a transaction server according to one or more embodiments of the present disclosure.

Detailed Description

In order to enable a person skilled in the art to better understand the technical solutions in one or more embodiments of the present specification, the technical solutions in one or more embodiments of the present specification will be clearly and completely described below with reference to the drawings in one or more embodiments of the present specification, and it is obvious that the described embodiments are only some embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one or more embodiments of the present disclosure without inventive effort, are intended to be within the scope of the present disclosure.

The credit-based order payment method provided by one or more embodiments of the present invention is applicable to an implementation environment of credit payment of a trade order, and referring to fig. 1, the implementation environment includes at least a payment server 101, where the payment server 101 may be a server or a server cluster including several servers, or a cloud server of a cloud computing platform. The payment server 101 is used for performing credit payment evaluation on a user to obtain an evaluation result, and interacting with the transaction server 102 to perform credit payment processing of a transaction order.

The implementation environment further includes at least a transaction server 102, where the transaction server 102 may be a server or a server cluster including several servers, or a cloud server of a cloud computing platform. The transaction server 102 is used for making credit payment recommendations to the user and interacting with the payment server 101 for credit payment processing.

The implementation environment may further include a user terminal 103, where the user terminal 103 may be a smart phone, a tablet computer, an e-book reader, a wearable device, an AR (Augmented Reality) based/VR (Virtual Reality) based device for information interaction, etc. The user terminal 103 may be used to interact with the transaction server 102 to conduct the processing of the transaction order. The user terminal 103 may configure a client of the shopping platform to which the transaction server 102 belongs, where the client is used for performing transaction merchandise display and recommendation message display, and a specific form of the client may be an application program, a sub-program in the application program, or a service module in the application program.

The implementation environment may further include a credit platform 104, where the credit platform 104 may be used to query a transaction channel of a user, and the credit payment evaluation obtains a payment channel and a credit payment evaluation result opened by the user, and the payment server 101 may generate a query request as input data to call a credit evaluation interface provided by the credit platform 104 to query the payment channel and evaluate the credit of the user, and after the processing of the credit platform 104 is completed, the payment server 101 obtains the payment channel and the credit payment evaluation result opened by the user and returned by the interface call.

In addition, the functions of the credit platform 104 may also be implemented by the payment server 101, such as: the payment server 101 inquires a payment channel opened by the user, and performs credit payment evaluation on the user to obtain an evaluation result.

In the implementation environment, in the credit payment processing process of carrying out a transaction order, a user submits a transaction order to a transaction server 102 through a user terminal 103, the transaction server 102 creates the transaction order and generates a payment request of the transaction order to send to a payment server 101, the payment server 101 calls a credit evaluation interface to carry out payment channel inquiry and credit payment evaluation of the user, a credit platform 104 inquires a payment channel opened by the user in response to the evaluation instruction, and carries out credit payment evaluation on the user to obtain an evaluation result, the payment server 101 receives the payment channel opened by the user and the credit payment evaluation result returned by the credit platform 104 and returns to the transaction server 102, the user submits a payment cancellation instruction through the user terminal 103, the transaction server 102 carries out credit payment recommendation to the user when the payment cancellation is detected and the evaluation result is available, the user submits the credit payment instruction for credit payment recommendation through the user terminal 103, the credit server 102 generates a credit payment request according to the credit payment instruction to send to the payment server 101, and the payment server 101 carries out credit payment processing based on the credit payment request.

One or more embodiments of a credit-based order payment method provided herein are as follows:

referring to fig. 2, the credit-based order payment method provided in the present embodiment may be applied to a payment server, and specifically includes steps S202 to S208.

Step S202, a payment request of a transaction order of a user sent by a transaction server is received.

In practical application, the user can make online shopping through the shopping platform, namely: the user can browse the commodity through a commodity browsing page provided by the shopping platform and enter the commodity display page in a mode of triggering interaction so that the user can browse commodity information in the commodity display page and conduct commodity ordering, specifically, the user can conduct commodity ordering through a purchase button triggering the commodity display page on the commodity display page, a commodity order page is generated after a commodity ordering instruction is detected by a transaction server which the shopping platform belongs to, so that the user conducts commodity transaction through the commodity order page, and as shown in fig. 3 and 4, the commodity order page is generated after the purchase button 301 triggering the commodity display page by the user is detected by the transaction server, and order payment can be conducted by the user through an order confirmation button 401 triggering the commodity order page.

In order payment process, users may have doubt about commodity price, commodity quality and/or merchant qualification and other contents, so that payment may be cancelled in commodity order pages, so that merchants lose the user's order, for this, in the method, credit payment evaluation is performed on the users after detecting that the users cancel payment by means of interactive processing of a payment server and a transaction server, and credit payment recommendation is performed on the users after the evaluation is passed, so that the users pay commodity orders by means of credit assets for payment retrieval to the users, and processing efficiency of commodity payment orders is improved; the credit assets may be, among other things, a user's credit rating, credit prizes, etc.

When the method is implemented, a transaction server creates a transaction order of a commodity according to a transaction instruction submitted by a user for the commodity, generates a payment request of the transaction order and sends the payment request to a payment server; thereafter, a payment request for a trade order for the commodity from a user sent by the trade server is received.

In a specific execution process, a user can submit a transaction instruction in a mode of triggering a transaction interface on a commodity order page, namely: and carrying out transaction order payment by triggering a payment interface of the commodity order page, creating a transaction order after detecting a transaction instruction submitted by a user by the transaction server, and submitting a payment request for generating the transaction order to the payment server. Optionally, the payment instruction is generated after the transaction server acquires a second transaction instruction submitted through a second payment control triggering a commodity order page of the transaction commodity; accordingly, a transaction instruction comprising: and a second transaction instruction submitted through a second payment control that triggers a commodity order page for the transaction commodity.

As shown in fig. 4, the user submits a trade order at the commodity order page trigger order confirmation button 401, and the trade server generates a payment request after acquiring the trade order submitted through the commodity order page trigger order confirmation button 401 of the trade commodity, and transmits it to the payment server.

In addition, in order to improve the transaction efficiency of the transaction commodity, a payment control can be further set on a commodity display page of the transaction commodity, so that a user can trigger a transaction interface to submit a transaction instruction on the commodity display page, namely: and the transaction server creates a transaction order after detecting a transaction instruction submitted by a user by triggering a payment interface of the commodity display page, and generates a payment request of the transaction order to submit to the payment server. Optionally, the payment instruction is generated after the transaction server acquires a first transaction instruction submitted through a first payment control triggering a commodity display page of the transaction commodity; correspondingly, the transaction instruction further comprises: a first transaction instruction submitted through a first payment control that triggers a merchandise display page of the transaction merchandise.

As shown in fig. 3, the user submits a transaction instruction at the merchandise display page trigger purchase button 301, and the transaction server generates a payment request after acquiring the transaction instruction submitted through the merchandise display page trigger purchase button 301, and transmits the payment request to the payment server.

It should be noted that, the commodity order refers to an order generated by the transaction server after the user triggers the purchase button and used for recording information such as an order serial number, merchant information, transaction commodity information, a receiving address, and the like, and is the user and the transaction server, namely: the user and the shopping platform are generated interactively and can be displayed to the user through commodity order pages; the transaction order refers to an order which is generated by the transaction server and can be used for enabling the payment server to carry out payment processing after the user triggers the payment button, can record information such as transaction amount, payment channel, payment type and the like, is data used for enabling the transaction server to interact with the payment server, and can be displayed for the user through a payment page.

Step S204, responding to the payment request, inquiring the payment channel opened by the user, performing credit payment evaluation on the user to obtain an evaluation result, and returning the payment channel and the evaluation result to the transaction server.

After receiving the payment request, inquiring a payment channel and credit data opened by a user, carrying out credit payment evaluation on the user based on the credit data to obtain an evaluation result, and returning the inquired payment channel and the evaluation result of the credit payment evaluation to a transaction server; thereafter, the transaction server makes a credit payment recommendation to the user after detecting a payment cancellation of the transaction order in case the evaluation result is that a credit payment is available. Optionally, the credit data includes: the user's credit score, the user's credit payment line, the user's credit asset, the user's credit rating.

Here, inquiring the payment channel opened by the user, and carrying out credit payment on the user to obtain an evaluation result, wherein the evaluation result can be carried out by a payment server, and the payment server inquires the stored payment channel opened by the user and credit data of the user to carry out credit payment evaluation; or, inquiring the payment channel opened by the user, and carrying out credit payment on the user to obtain the evaluation result, and the evaluation result can also be carried out by a third party platform, such as: and the payment server can call the credit evaluation interface to inquire the payment channel and evaluate the credit payment to the credit platform, and the interface is called to return the payment channel and the credit payment evaluation result opened by the user.

It should be noted that, step S204 may be replaced by: and responding to the payment request, calling a credit evaluation interface to inquire a payment channel opened by a user and evaluate credit payment, and returning the payment channel and evaluation result returned by the interface call to the transaction server.

In practical applications, the credit of the user can be embodied in multiple dimensions, such as: in order to improve accuracy and reliability of an evaluation result of credit payment evaluation by a user at asset data of each asset mechanism, credit score of the user at each fund mechanism, and the like, credit risk of the user may be determined according to the credit data of the user and the asset data, and the credit payment evaluation is performed on the user based on the credit risk, in an optional implementation manner provided in this embodiment, the credit payment evaluation is performed on the user, including:

Determining the credit risk level of the user according to the credit data and/or the asset data of the user;

and performing credit payment assessment of the transaction order on the user based on the credit risk level and the credit data.

In addition, a user credit score may be calculated based on the credit risk level and the credit data, and credit payment evaluation of the trade order may be performed based on the user credit score.

In addition, preset conditions can be set for commodities purchased by the user, and the requirements of different commodities on the credit of the user can be different, for example: the high-value commodity has higher requirement on the credit of the user, the requirement on the credit of the user of the commodity with general value can be properly reduced, and for this purpose, the credit admittance condition can be set according to the commodity class, namely: setting credit admittance conditions of order classification of the trade order, detecting whether credit data and/or asset data of a user meet the credit admittance conditions of the category to which the trade order belongs, and if so, determining that credit payment is available, namely: transaction order payments may be made using credit payment, and if not, it is determined that credit payment is not available, namely: transaction order payments may not be made using credit payment; specifically, in an alternative implementation manner provided in this embodiment, credit payment evaluation is performed on a user, including:

detecting whether the credit risk level meets credit admittance conditions of order classification of the trade order;

if not, the treatment is not carried out;

if yes, detecting whether credit payment amount corresponding to the credit rating contained in the credit data meets the payment condition of the transaction order, and if yes, determining that the credit payment is available; if not, it is determined that credit payment is not available.

Optionally, the order classification of the trade order is determined based on the commodity class of the trade commodity recorded by the trade order.

Specifically, inquiring credit data and/or asset data of a user, executing a specific algorithm based on the credit data and/or asset data to calculate credit risk levels of the user, acquiring credit admittance conditions of order classification of a trade order, and detecting whether the credit risk levels of the user meet the credit admittance conditions of the trade order, namely: detecting whether the credit risk level of the user is greater than a risk threshold, if so, determining that the credit admittance condition of the transaction order is met, and detecting whether the credit payment line corresponding to the credit rating contained in the credit data of the user meets the payment condition of the transaction order, namely: and detecting whether the credit payment amount of the user is larger than the demand amount of the trade order, if so, determining that the credit payment is satisfied, and determining that the credit payment is available. The credit admission condition may be that the credit risk level of the user is greater than three levels.

For example, the credit risk level of the user is level 4, the credit admittance condition of the trade order is level 3, the credit risk level of the user is detected to be greater than level 3, the credit admittance condition of the trade order is determined to be satisfied, and the user can pay the order payment of the trade order in a credit payment mode;

for another example, the credit risk level of the user is level 2, the credit admittance condition of the trade order is level 3, the credit risk level of the user is detected to be less than level 3, the credit admittance condition of the trade order is determined not to be satisfied, and the order payment of the trade order is determined in a mode that the user cannot pay by credit.

In addition, the credit payment evaluation may be performed on the user only according to the credit risk level of the user, or may be performed on the user only according to the credit data of the user, for example: and carrying out credit payment evaluation on the user through the credit payment amount.

Further, the above-mentioned manner of performing credit payment assessment by detecting credit risk level and credit payment amount may be combined with the above-mentioned manner of performing credit payment assessment on the user to form a new implementation manner, for example: the credit payment evaluation for carrying out transaction orders on users based on credit risk grades and credit data comprises the following steps: detecting whether the credit risk level meets credit admittance conditions of order classification of the trade order; if not, if so, detecting whether the credit payment amount corresponding to the credit rating contained in the credit data meets the payment condition of the transaction order, and if so, determining that the credit payment is available; if not, it is determined that credit payment is not available. Optionally, the credit payment amount includes: credit mortgage line, credit guarantee line, credit mortgage line.

In this embodiment, the credit payment refers to a payment manner of paying a trade order through a credit asset of a user without paying the trade order through funds in the commodity trade process, that is: when the transaction order is paid, the user does not pay funds, but pays the order from the credit of the user, specifically, the payment of the order can be realized by freezing the credit assets of the user, and after the user confirms the receipt, the fund account of the payment channel opened by the user is deducted, and the credit assets of the user are thawed, namely: credit payment includes credit asset freezing; in addition, the credit payment further includes: credit asset payment, credit asset mortgages and/or mortgages, credit asset vouchers. Optionally, the credit asset comprises a credit payment line.

It should be noted that, the credit payment available means that the user can pay the trade order by means of credit payment, and the corresponding credit payment unavailable means that the user cannot pay the trade order by means of credit payment; under the condition that credit payment is unavailable, the user can also carry out payment processing of the transaction order through funds in the fund account corresponding to the payment channel, or carry out payment processing of the transaction order through funds in the credit payment channel opened by the user, so as to complete the subsequent processing process of commodity transaction.

Step S206, receiving a credit payment request submitted by the transaction server in case a credit payment is available.

According to the method, the credit evaluation result is obtained through credit evaluation on the user, when the credit evaluation result of the user is that credit payment is unavailable, the credit evaluation result of the user is that credit payment is available, and when the user submits a credit payment request, payment processing of a transaction order is conducted through credit assets and/or credit payment amounts of the user, so that the user does not spend funds of the user but consumes the credit of the user to pay under the condition that the user cancels the order, the success rate of the transaction is improved, the use experience of the user is improved, and the availability of the credit payment is improved.

When the method is implemented, if a user submits a payment cancellation instruction for a transaction order, and when the evaluation result is that credit payment is available, a credit payment recommendation page is generated and issued to the user after the transaction server detects the payment cancellation so as to recommend credit payment to the user, and a credit payment request is generated and sent to a payment server after the user submits the credit payment instruction for the credit payment recommendation; thereafter, the payment server receives a credit payment request sent by the transaction server. Optionally, the credit payment request is generated according to a credit payment instruction of the credit payment recommendation made by the user after the payment cancellation.

In practical application, in the process of payment of a trade order, a user may cancel payment of the order due to self or external reasons, for example: for the quality and/or price of goods to be questioned, insufficient funds available in a payment channel, etc., the user canceling an order may cause the shopping platform and/or merchant to lose an order, or to lose a customer, for which the transaction server may make a credit payment recommendation to the user after detecting the payment cancellation, the user may submit a credit payment instruction for the credit payment recommendation to make a credit payment, thereby retrieving the user's payment, in this embodiment, the payment cancellation is determined by any one of three optional embodiments provided below:

first alternative embodiment: in the process of payment confirmation of the user, the payment can be cancelled through a transaction cancellation interface configured on a payment confirmation page of the triggered transaction order; optionally, the payment cancellation is determined after detecting that a payment cancellation interface of a payment confirmation page arrangement of the trade order is triggered.

As shown in fig. 5, the user submits a payment cancellation instruction by triggering a payment cancellation button 501 configured on a payment confirmation page of the trade order, and the trade server determines the payment cancellation of the trade order after detecting the payment cancellation instruction.

Second alternative embodiment: in the process of payment by the user, the payment can be confirmed by triggering a confirmation payment interface, and after the user triggers the confirmation payment interface, the payment failure is determined when the user detects that the available funds of the payment channel of the user are smaller than the amount of the transaction order, and the payment cancellation is determined when the payment is failed; optionally, the payment cancellation is determined when the payment result obtained after submitting the confirmation payment instruction through the payment confirmation page is a payment failure result.

As shown in fig. 5, after selecting the payment channel, the user triggers the payment confirmation button 502 configured on the payment confirmation page of the transaction order to submit the payment confirmation instruction, and in the case that the payment server detects that the funds in the payment channel are smaller than the payment amount, namely: funds within the payment channel are insufficient to pay the trade order, a payment result of the payment failure is generated and sent to the trade server, which determines the payment cancellation of the trade order upon detection of the payment failure result.

In a third alternative embodiment, during the payment process of the user, before the user interacts with the payment confirmation page, available funds in the payment channel of the user can be queried, and if the available funds are detected to be smaller than the payment amount of the transaction order, the payment cancellation can be determined; optionally, a payment cancellation is determined if it is detected that the available funds of the payment channel are less than the payment amount of the transaction order.

Specifically, after the user selects the payment channel, the payment server inquires available funds of the payment channel selected by the user and transaction amount of the transaction order, detects whether the available amount is smaller than the transaction amount, and determines that payment of the transaction order is canceled and sends the payment cancellation to the transaction server when the available amount is detected to be smaller than the transaction amount.

In addition, the user may mistakenly touch the payment cancellation interface of the payment confirmation page configuration, or mistakenly exit the payment confirmation page, for which the transaction server may generate a secondary confirmation page within a preset time range after the user triggers the payment cancellation interface of the payment confirmation page configuration, the secondary confirmation page may configure a payment confirmation countdown, confirm payment cancellation after expiration of the payment confirmation countdown, or confirm payment cancellation after the user triggers the payment cancellation interface of the secondary confirmation page configuration.

In practical application, after the user cancels the payment of the order for self or external reasons, the transaction server can make credit payment recommendation to the user after detecting the cancellation of the payment, and the user can submit a credit payment instruction for making credit payment according to the credit payment recommendation, so that the user can pay by paying the credit payment line and/or the credit asset without spending funds, thereby recovering the user.

A recommendation message comprising a credit payment reminder and a credit payment trigger interface is generated to present the recommendation message to the user via the payment confirmation page or payment result page.

Optionally, the credit payment instruction is generated after the credit payment triggering interface is triggered.

Specifically, after detecting that the payment of the transaction order is cancelled, the transaction server generates a credit payment recommendation message containing credit payment reminding information and a credit payment triggering interface, and displays a layer of the payment recommendation message on a payment confirmation page or a payment result page for displaying the recommendation message to a user; the user generates a credit payment instruction after triggering a credit payment interface contained in the credit payment recommendation message, and the credit payment instruction is used for generating a credit payment request.

Further, the above-mentioned process of making credit payment recommendation by generating recommendation message can also be performed based on the above-mentioned three ways of determining payment cancellation, so as to combine to form a new implementation manner. As shown in fig. 6, in case that funds of the payment channel selected by the user are insufficient to pay the trade order to cause the trade failure of the trade order, the trade server generates a credit payment recommendation page including credit payment reminding information 601 and a credit payment triggering interface 602, and places the credit payment recommendation page on the payment result page of the payment failure to show a recommendation message to the user, generates a credit payment instruction after detecting that the credit payment triggering interface 602 is triggered and transmits the credit payment instruction to the payment server.

And step S208, credit payment processing of the transaction order is performed based on the credit payment request.

According to the method, the credit payment is carried out for the cancelled transaction order based on the credit payment amount and/or the credit asset of the user, so that the credit payment without funds consumption is provided when the user cancels the payment, the transaction success rate is improved, the usability of the credit payment is improved, the processing efficiency of the transaction order is improved, and the use experience of the user is further improved.

As described above, the credit payment refers to a payment manner of paying a trade order by a credit asset of a user without paying the trade order by funds in the commodity trade process, that is: in trading order payments, the user does not pay funds, but instead pays for the order from the user's credit, e.g., by paying for the order through the user's credit assets and/or credit payment lines; here, in the credit payment processing, the credit payment processing includes: the credit assets of the user are frozen to pay the trade order, or the credit assets of the user are paid, or the credit assets of the mortgage and/or the mortgage user are paid, or the trade order is paid in a credit guarantee mode.

In the implementation, after a credit payment request sent by a transaction server is received, credit payment processing of a transaction order of the commodity is performed based on the credit payment request. Specifically, the credit data of the user can be frozen according to the payment amount of the transaction order, namely: the method for carrying out the transaction order payment by replacing funds of the user with credit data of the user, returning a production payment success message to the transaction server after the completion of freezing so as to enable the transaction server to carry out subsequent transaction processing, and forwarding the payment success message to the user, and in an alternative implementation provided by the embodiment, carrying out credit transaction processing of the transaction order based on a credit payment request comprises the following steps:

freezing the credit payment amount or credit asset of the user according to the payment amount of the transaction order; and generating a payment success message after the freezing process is completed and returning the payment success message to the transaction server.

Optionally, the credit payment amount and/or credit assets of the user are determined based on the credit data of the user. Wherein the credit data may be determined based on the user's asset data and/or credit record.

Specifically, the payment amount contained in the order information of the transaction order is extracted, the corresponding credit line is calculated based on the payment amount, the credit payment line and/or credit assets of the user are frozen based on the credit line, freezing processing is carried out, and after freezing is completed, a payment success message of the transaction order is generated and returned to the transaction server; wherein payment processing of the trade order may be performed jointly based on the user's credit payment line and the credit asset, such as: in the event that the credit asset is insufficient to pay the trade order, a portion of the credit payment line is re-frozen to co-pay the trade order, and in the event that the credit payment line is insufficient to pay the trade order, a portion of the credit asset is re-frozen to co-pay the trade order.

As shown in fig. 7, after the user triggers the credit payment confirmation button 701, the credit amount of the user is frozen according to the payment amount of the transaction order, and a transaction success message is generated and sent to the shopping platform.

In practical application, after the credit payment is completed, the transaction server, namely: the shopping platform can issue commodity delivery reminding to a merchant, trigger a confirmation receiving interface to carry out commodity receiving processing after a user receives commodities, and can consider that the user can eliminate doubt about the commodities after the user receives the commodities, defrost frozen credit data in the credit payment process, carry out deduction processing on a fund account of a payment channel and return a deduction success message to a transaction server; in this regard, in an optional implementation manner provided in this embodiment, after the credit payment processing for the transaction order based on the credit data of the user, the method further includes:

according to the deduction request sent by the transaction server, deducting money from a fund account of the payment channel according to the payment amount, and transferring deducted money obtained by deduction processing into a merchant account;

and thawing the credit payment amount and/or the credit asset, and returning a deduction success message to the transaction server.

Optionally, the deduction request is sent after a confirmation receipt instruction of the transaction commodity of the transaction order is acquired.

Specifically, according to a deduction request sent by a transaction server, deducting funds in a fund account of a payment channel of a user according to the payment amount of a transaction order, transferring deducted funds obtained by deduction into a fund account of a merchant corresponding to the transaction order, thawing the credit payment amount and/or goods credit asset of the user after the deduction is completed, and returning a deduction success message to the transaction server.

In addition, the user can pay through the credit payment channel when paying the order of the trade order, so as to further improve the use experience of the user, namely: after the user uses credit payment and receives goods, the user can also use a credit-based credit payment channel to pay a transaction order, so that the usability of the credit payment is improved, and the shopping experience of the user is improved; in this regard, in another optional implementation manner provided in this embodiment, after the credit payment processing for the transaction order based on the credit data of the user, the method further includes:

deducting money in a credit payment channel of the user according to the payment amount and the deduction funds obtained by deduction are transferred into a merchant account according to the deduction request sent by the transaction server;

The credit payment channel can be a payment replacing channel provided by a third party institution, the fund limit provided by the payment replacing channel can be determined based on credit data of the user, the user can use funds corresponding to the fund limit based on the credit data within a preset time range, and the fund is paid back to the third party institution after the preset time range expires.

In addition, after the user receives the commodity corresponding to the trade order, if the commodity is not satisfied, or the user does not like the commodity, the user can return the commodity, namely: the method comprises the steps that a user can send a return request to a transaction server, the transaction server can generate a return request according to the return request and send the return request to a payment server, the payment server unfreezes credit data of the user according to the return request, and a return message is generated after the unfreezing is completed and returned to the transaction server, so that the user can also carry out goods return processing after credit payment, the availability of the credit payment is improved, and the shopping experience of the user is improved; in this regard, in an optional implementation manner provided in this embodiment, after the credit payment processing for the transaction order based on the credit data of the user, the method further includes:

According to the return request sent by the transaction server, thawing the credit payment line or the credit asset;

and generating a return order message after the thawing process is finished and returning the return order message to the transaction server.

In summary, the one or more credit-based order payment methods provided in this embodiment may be applied to a payment server, in the process of making credit payment, receive a payment request of a user's transaction order sent by the transaction server, respond to the payment request to inquire a payment channel opened by the user, make credit payment evaluation on the user to obtain an evaluation result, return the payment channel and the evaluation result to the transaction server, after the transaction server processes, receive the credit payment request submitted by the transaction server under the condition that the credit payment is available, freeze the credit asset and/or credit payment amount of the user to make payment processing of the transaction order, and subsequently make deduction processing of the user's funds account after the user confirms receipt, and make credit thawing processing of the user's credit, so that another credit-based payment mode is provided for the user under the condition that the user makes payment cancellation, in the payment process, the user's funds are not required to be frozen, and deduction of funds is made after the user receives the user's funds, thus improving the availability of the credit payment, and improving the efficiency of the transaction in the process of the payment of the order.

The implementation process of the credit-based order payment method provided in the above embodiment may be executed by a payment server, and the implementation process of the credit-based order payment method provided in the below embodiment of the method may be executed by a transaction server, and the two may cooperate with each other in the execution process, so that reading the above embodiment may refer to the corresponding content of the below embodiment of the credit-based order payment method, and correspondingly, reading the below embodiment of the credit-based order payment method may also refer to the corresponding content of the above embodiment of the method.

The following further describes the credit-based order payment method provided in the present embodiment, referring to fig. 8, by taking an application of the credit-based order payment method provided in the present embodiment to a credit payment scenario as an example, and specifically includes the following steps.

Step S806, a payment request of a transaction order of the user sent by the transaction server is received, and a payment channel opened by the user is queried in response to the payment request.

Step S808, determining the credit risk level of the user according to the credit data and the asset data of the user.

Step S810, it is detected whether the credit risk level satisfies the credit admittance condition of the order classification of the trade order, and if so, it is detected whether the credit payment amount contained in the credit data of the user satisfies the order payment condition of the trade order.

Step S812, in case of satisfaction, generates a credit payment evaluation result that the credit payment is available.

Step S814, transmitting the payment channel of the user obtained by the inquiry and the credit payment evaluation result that the credit payment is available to the transaction server.

In step S826, a credit payment request submitted by the transaction server is received and based on the credit payment request, the credit payment line and/or credit asset of the user is frozen in accordance with the payment amount of the transaction order.

Optionally, the credit payment request is generated according to a credit payment instruction of a credit payment recommendation made by the user after the payment cancellation;

optionally, the payment cancellation is determined after detecting a payment cancellation interface configured by a payment confirmation page of the user-triggered transaction order;

optionally, the credit payment amount is determined based on credit data of the user.

Step S828, a payment success message is generated and returned to the transaction server.

Step S832, receiving and deducting money in the credit payment channel of the user according to the payment amount of the transaction order and the deduction money obtained by deduction is transferred to the fund account of the merchant according to the deduction request sent by the transaction server.

Step S834, thawing the frozen credit payment amount and/or credit assets of the user, generating a deduction success message and returning the deduction success message to the transaction server.

Optionally, the payment cancellation may be determined when the payment result obtained after the user submits the confirmation payment instruction through the payment confirmation page is a payment failure result; alternatively, it is determined if it is detected that the available funds of the payment channel are less than the payment amount of the transaction order.

Optionally, step S832 may be replaced with: and receiving and deducting money according to the deduction request sent by the transaction server and the payment amount of the transaction order in the payment channel of the user obtained by inquiry, and transferring the deducted money obtained by deduction into a money account of the merchant.

Optionally, steps S832 to S834 may also be replaced with: receiving and thawing the frozen credit payment amount and/or credit asset of the user according to the return request sent by the transaction server; and after the defrosting process is finished, generating a return order message and returning the return order message to the transaction server.

The steps S806 to S814, S826 to S828 and S832 to S834 provided in the present embodiment are executed by the payment server, and it should be noted that the steps S806 to S814, S826 to S828 and S832 to S834 executed by the payment server are mutually matched with the steps S802 to S804, S816 to S824, S830 and S836 executed by the transaction server in the following embodiments, so that the following method embodiments refer to the corresponding contents of the steps S802 to S804, S816 to S824, S830 and S836 provided in the following method embodiments, and the following method embodiments refer to the corresponding contents of the steps S806 to S814, S826 to S828 and S832 to S834 provided in the present embodiment.

One or more embodiments of another credit-based order payment method provided herein are as follows:

referring to fig. 9, the credit-based order payment method provided in the present embodiment is applicable to a transaction server, and specifically includes steps S902 to S908.

Step S902, creating a trade order according to a trade instruction of a user, generating a payment request of the trade order and sending the payment request to a payment server.

When the method is implemented, a trade order of the commodity is created according to a trade instruction submitted by a user for the commodity, and a payment request of the trade order is generated and sent to a payment server; thereafter, the payment server receives a payment request for a transaction order for the commodity from a user sent by the transaction server.

In a specific execution process, a user can submit a transaction instruction in a mode of triggering a transaction interface on a commodity order page, namely: and carrying out transaction order payment by triggering a payment interface of the commodity order page, creating a transaction order after detecting a transaction instruction submitted by a user by the transaction server, and submitting a payment request for generating the transaction order to the payment server. Optionally, the transaction instruction includes: a second transaction instruction submitted through a second payment control that triggers a commodity order page for the transaction commodity; correspondingly, the payment instruction is generated after the transaction server acquires a second transaction instruction submitted through a second payment control triggering a commodity order page of the transaction commodity.

In addition, in order to improve the transaction efficiency of the transaction commodity, a payment control can be further set on a commodity display page of the transaction commodity, so that a user can trigger a transaction interface to submit a transaction instruction on the commodity display page, namely: and the transaction server creates a transaction order after detecting a transaction instruction submitted by a user by triggering a payment interface of the commodity display page, and generates a payment request of the transaction order to submit to the payment server. Optionally, the transaction instruction further includes: a first transaction instruction submitted through a first payment control that triggers a merchandise display page of the transaction merchandise; correspondingly, the payment instruction is generated after the transaction server acquires a first transaction instruction submitted through a first payment control triggering a commodity display page of the transaction commodity.

Step S904, receiving a payment channel opened by the user and returned by the payment server, and performing credit payment evaluation on the user.

In the specific implementation, a payment server inquires a payment channel and credit data opened by a user, carries out credit payment evaluation on the user based on the credit data to obtain an evaluation result, and returns the inquired payment channel and the evaluation result of the credit payment evaluation to a transaction server; thereafter, the payment channel of the user returned by the payment server and the evaluation result of the credit payment of the user are received.

Before, inquiring a payment channel opened by a user, and carrying out credit payment on the user to obtain an evaluation result, wherein the evaluation result can be carried out by a payment server, and the payment server inquires the stored payment channel opened by the user and credit data of the user to carry out credit payment evaluation; or, inquiring the payment channel opened by the user, and carrying out credit payment on the user to obtain the evaluation result, and the evaluation result can also be carried out by a third party platform, such as: and the credit platform returns the query result and the evaluation result to the payment server, and the payment server can call the credit evaluation interface to perform payment channel query and credit payment evaluation, and the acquisition interface calls the returned payment channel and credit payment evaluation result which are opened by the user.

In this embodiment, the credit payment refers to a payment manner of paying a trade order through a credit asset of a user without paying the trade order through funds of the user in the commodity trade process, that is: when the trade order is paid, the user does not pay funds, but pays the trade order in a mode of paying credit assets and/or credit payment lines, and after paying the trade order of the commodity by using the credit assets and/or the credit payment lines, the user carries out subsequent operations such as commodity shipment; wherein the trade order payment may be made by freezing the user's credit assets and/or credit payment lines. Optionally, the credit payment amount includes: credit mortgage line, credit guarantee line, credit mortgage line.

In practical applications, the credit of the user can be embodied in multiple dimensions, such as: in order to improve accuracy and reliability of the evaluation result of the credit payment evaluation by the user at the asset data of each asset mechanism, the credit data of each fund mechanism, and the like, the credit risk of the user may be determined according to the credit data of the user and the asset data, and the credit payment evaluation is performed on the user based on the credit risk, and in an optional implementation manner provided in this embodiment, the credit payment evaluation may be implemented by the payment server in the following manner:

Specifically, inquiring credit data and/or asset data of a user, performing a specific algorithm based on the credit data and/or asset data to calculate a credit risk level of the user, detecting whether the credit risk level of the user exceeds a preset risk threshold, and detecting whether the credit data of the user meets a preset condition for credit payment evaluation of a transaction order; in addition, a user credit amount may be calculated based on the credit risk level and the credit data, and a credit payment assessment of the trade order may be made based on the user credit amount.

In addition, preset conditions can be set for commodities purchased by the user, and the requirements of different commodities on the credit of the user can be different, for example: the high-value commodity has higher requirement on the credit of the user, the requirement on the credit of the user of the commodity with general value can be properly reduced, and for this purpose, the credit admittance condition can be set according to the commodity class, namely: setting a credit admittance condition of order classification of a trade order, detecting whether credit data and/or asset data of a user meet the credit admittance condition of the category to which the trade order belongs, if so, determining that credit payment is available, and if not, determining that the credit payment is not available, wherein in an optional implementation manner provided by the embodiment, the credit payment evaluation can be realized through a payment server by adopting the following manner:

if not, the treatment is not carried out;

Specifically, inquiring credit data and/or asset data of a user, executing a specific algorithm based on the credit data and/or asset data to calculate credit risk levels of the user, acquiring credit admittance conditions of order classification of a trade order, and detecting whether the credit risk levels of the user meet the credit admittance conditions of the trade order, namely: detecting whether the credit risk level of the user is smaller than a risk threshold, if yes, determining whether the credit risk level is satisfied, and detecting whether the credit payment limit corresponding to the credit rating contained in the credit data of the user satisfies the payment condition of the transaction order, namely: and detecting whether the credit payment amount of the user is larger than the demand amount of the trade order, if so, determining that the credit payment is satisfied, and determining that the credit payment is available.

In addition, the credit payment evaluation may be performed on the user only according to the credit risk level of the user, or only according to the credit data of the user, such as: and carrying out credit payment evaluation on the user through the credit payment amount.

Further, the above manner of performing credit payment assessment by detecting credit risk level and credit payment amount may be performed based on the above credit payment assessment performed on the user, for example: the credit payment evaluation for carrying out transaction orders on users based on credit risk grades and credit data comprises the following steps: detecting whether the credit risk level meets credit admittance conditions of order classification of the trade order; if yes, detecting whether credit payment amount corresponding to the credit rating contained in the credit data meets the payment condition of the transaction order, and if yes, determining that the credit payment is available; if not, it is determined that credit payment is not available.

Step S906, if the evaluation result is that credit payment is available, performing credit payment recommendation to the user after detecting payment cancellation.

According to the method, the credit evaluation result is obtained through credit evaluation on the user, when the credit evaluation result of the user is that credit payment is unavailable, the credit evaluation result of the user is that credit payment is available, and when the user submits a credit payment request, payment processing of a transaction order is conducted through credit assets and/or credit payment amounts of the user, so that the user does not spend funds of the user but consumes the credit of the user to pay under the condition that the user cancels the order due to doubtful commodities, the use experience of the user is improved, and the usability of the credit payment is improved.

In this embodiment, the credit payment is that the user can pay the trade order by means of credit payment, and the corresponding credit payment is that the user cannot pay the trade order by means of credit payment; under the condition that credit payment is unavailable, the user can also carry out payment processing of the transaction order through funds in the fund account corresponding to the payment channel, or carry out payment processing of the transaction order through funds in the credit payment channel opened by the user, so as to complete the subsequent processing process of commodity transaction.

When the method is implemented, after a user is detected to submit a payment cancellation instruction for a transaction order, a credit payment recommendation page is generated and issued to the user under the condition that the evaluation result is that credit payment is available, so that credit payment recommendation is carried out to the user, and after the user submits the credit payment instruction for the credit payment recommendation, a credit payment request is generated and sent to a payment server; thereafter, the payment server receives a credit payment request sent by the transaction server.

Second alternative embodiment: in the process of payment by the user, the payment confirmation can be performed by triggering a confirmation payment interface, the payment failure is determined when the available funds of the payment channel of the user are detected to be smaller than the amount of the transaction order, and the payment cancellation is determined when the payment failure occurs; optionally, the payment cancellation is determined when the payment result obtained after submitting the confirmation payment instruction through the payment confirmation page is a payment failure result.

In a third alternative embodiment, during the payment process of the user, available funds in the payment channel of the user can be queried, and if the available funds are detected to be smaller than the payment amount of the transaction order, the payment cancellation is determined; optionally, a payment cancellation is determined if it is detected that the available funds of the payment channel are less than the payment amount of the transaction order.

In practical application, after the user cancels the payment of the order for self or external reasons, credit payment recommendation can be performed to the user after the payment cancellation is detected, and the user can submit a credit payment instruction for credit payment according to the credit payment recommendation, so that the user can pay by paying the credit payment amount and/or the credit asset without spending funds, and the user can be recovered.

Specifically, after detecting that payment of the transaction order is cancelled, generating a credit payment recommendation message comprising credit payment reminding information and a credit payment triggering interface, and displaying a layer of the payment recommendation message on a payment confirmation page or a payment result page for displaying the recommendation message to a user; the user generates a credit payment instruction after triggering a credit payment interface contained in the credit payment recommendation message, and the credit payment instruction is used for generating a credit payment request.

Step S908, generating a credit payment request according to the credit payment instruction recommended by the user for the credit payment, and sending the credit payment request to the payment server to perform credit payment processing of the transaction order.

According to the method, the credit payment is carried out for the cancelled transaction order based on the credit payment amount and/or the credit asset of the user, so that the credit payment without funds consumption is provided when the user cancels the payment for the doubt of the transaction order, the usability of the credit payment is improved, the processing efficiency of the transaction order is improved, and the use experience of the user is further improved.

When the method is implemented, after a credit payment instruction submitted by a user for credit payment recommendation is detected, a credit payment request is generated according to the credit payment instruction and sent to a payment server; after that, the payment server receives the credit payment request sent by the transaction server, and then performs credit payment processing of the transaction order of the commodity based on the credit payment request.

In a specific credit payment processing process, the payment server can freeze the credit data of the user according to the payment amount of the transaction order, namely: the credit data of the user replaces funds of the user to pay a transaction order, and after the completion of freezing, a production payment success message is returned to the transaction server so that the transaction server can carry out subsequent transaction processing and forwards the payment success message to the user.

In practical application, after the credit payment is completed, the transaction server, namely: the shopping platform can issue commodity delivery reminding to a merchant, trigger a confirmation receiving interface to carry out commodity receiving processing after a user receives commodities, and can consider that the user can eliminate doubt about the commodities after the user receives the commodities, defrost frozen credit data in the credit payment process, carry out deduction processing on a fund account of a payment channel and return a deduction success message to a transaction server; in this regard, in an alternative implementation manner provided in this embodiment, after the payment server performs the credit payment processing of the transaction order based on the credit data of the user, the method further includes:

In addition, the user can pay through the credit payment channel when paying the order of the trade order, so as to further improve the use experience of the user, namely: after the user uses credit payment and receives goods, the user can also use a credit-based credit payment channel to pay a transaction order, so that the usability of the credit payment is improved, and the shopping experience of the user is improved; in this regard, in another alternative implementation manner provided in this embodiment, after the payment server performs the credit payment processing of the transaction order based on the credit data of the user, the method further includes:

In addition, after the user receives the commodity corresponding to the trade order, if the commodity is not satisfied, or the user does not like the commodity, the user can return the commodity, namely: the method comprises the steps that a user can send a return request to a transaction server, the transaction server can generate a return request according to the return request and send the return request to a payment server, the payment server unfreezes credit data of the user according to the return request, and a return message is generated after the unfreezing is completed and returned to the transaction server, so that the user can also carry out goods return processing after credit payment, the availability of the credit payment is improved, and the shopping experience of the user is improved; in this regard, in an alternative implementation manner provided in this embodiment, after the payment server performs the credit payment processing of the transaction order based on the credit data of the user, the method further includes:

In summary, the one or more credit-based order payment methods provided in this embodiment may be applied to a transaction server, in the process of making credit payment, create a transaction order according to a transaction instruction of a user, generate a payment request of the transaction order and send the payment request to the payment server, after the payment server processes, receive a payment channel opened by the user and returned by the payment server, and an evaluation result of credit payment evaluation performed on the user, in the case that credit payment is available, detect cancellation of the payment and then make a credit payment recommendation to the user, in accordance with a credit payment instruction of the user for the credit payment recommendation, generate a credit payment request and send the credit payment request to the payment server, in order-taking credit payment processing is performed by the payment server, and then after the user confirms receipt, the payment processing of a fund account of the user and credit thawing processing are performed by the user, in this way, in this case that the user pays for another credit-based payment mode is provided to the user, in addition, in the payment process, funds of the user need not be frozen, and the user are paid, and after the user receives the payment, the credit-based payment recommendation is improved, and the credit-based on the credit-based payment order is used in the credit-taking efficiency is improved.

Step S802, creating a trade order according to a trade command of a user for trade commodities.

Optionally, the transaction instructions include: transaction instructions submitted through a purchase button that triggers a merchandise display page for transacting merchandise.

In step S804, a payment request for generating a trade order is sent to a payment server.

Step S816, receiving a payment channel opened by the user and returned by the payment server, and an evaluation result of credit payment availability for performing credit payment evaluation on the user.

In step S818, the cancellation of the payment by the user is detected, and a recommendation message is generated comprising a credit payment reminder and a credit payment trigger interface.

Optionally, the payment cancellation is determined after detecting that a payment cancellation interface of a payment confirmation page arrangement of the trade order is triggered, or in case it is detected that the available funds of the payment channel are smaller than the payment amount of the trade order.

Step S820, a recommendation message is sent to the user' S terminal to display credit payment recommendation through the payment confirmation page.

In step S822, a credit payment instruction recommended by the user for credit payment is detected, and a credit payment request is generated.

Step S824, a credit payment request is sent to the payment server.

Optionally, the payment success message sent by the payment server is received and then forwarded to the user terminal.

Step S830, after detecting the confirmation receiving instruction of the user for the transaction order, generating a deduction request and sending the deduction request to the payment server.

Step S836, a deduction success message sent by the payment server is received.

Optionally, the transaction instructions further include: transaction instructions submitted through a payment button that triggers a commodity order page for a transaction commodity.

Alternatively, step S820 may be replaced with: transmitting a recommendation message to a terminal of a user to display credit payment recommendation through a payment result page; correspondingly, the payment cancellation is determined under the condition that the payment result obtained after the user confirms the payment instruction through the payment confirmation page is a payment failure result.

Alternatively, steps S830 to S836 may be replaced with: after detecting a return order instruction of a user for a transaction order, generating return order request payment and sending the return order request payment to a server; and receiving the return order return message returned by the payment server.

An embodiment of a credit-based order payment device provided in the present specification is as follows:

in the above-mentioned embodiments, a credit-based order payment method applied to a payment server is provided, and a credit-based order payment device running on the payment server is also provided correspondingly, and is described below with reference to the accompanying drawings.

Referring to fig. 10, a schematic diagram of an embodiment of a credit-based order payment device provided in this embodiment is shown.

Since the apparatus embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions should be referred to the corresponding descriptions of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides a credit-based order payment apparatus, including:

a payment request receiving module 1002 configured to receive a payment request of a transaction order of a user sent by a transaction server;

a credit payment evaluation module 1004 configured to respond to the payment request, query a payment channel opened by the user, evaluate the credit payment of the user to obtain an evaluation result, and return the payment channel and the evaluation result to the transaction server;

A credit payment request receiving module 1006 configured to receive a credit payment request submitted by the transaction server if credit payment is available; the credit payment request is generated according to a credit payment instruction of the credit payment recommendation which is carried out by the user after the payment is cancelled;

a credit payment processing module 1008 configured to perform credit payment processing of the trade order based on the credit payment request.

Another credit-based order payment device embodiment provided in this specification is as follows:

in the foregoing embodiments, a credit-based order payment method applied to a transaction server is provided, and a credit-based order payment device applied to a transaction server is also provided correspondingly, and is described below with reference to the accompanying drawings.

Referring to fig. 11, a schematic diagram of an embodiment of a credit-based order payment device provided in this embodiment is shown.

The present embodiment provides another credit-based order payment device, which operates on a transaction server, and the device includes:

a payment request sending module 1102 configured to create a trade order according to a trade instruction of a user, generate a payment request of the trade order, and send the payment request to a payment server;

a credit evaluation result receiving module 1104 configured to receive a payment channel opened by the user and returned by the payment server, and an evaluation result of performing credit payment evaluation on the user;

a credit payment recommendation module 1106 configured to make a credit payment recommendation to the user after detecting a payment cancellation if the evaluation result is that a credit payment is available;

a credit payment request sending module 1108 configured to generate a credit payment request and send to the payment server for credit payment processing of the transaction order according to the credit payment instructions recommended by the user for the credit payment.

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

in response to the above description of a credit-based order payment method, one or more embodiments of the present disclosure further provide a payment server for performing the credit-based order payment method provided above, and fig. 12 is a schematic structural diagram of a payment server provided in one or more embodiments of the present disclosure.

The payment server provided in this embodiment includes:

as shown in fig. 12, the payment server may have a relatively large difference due to different configurations or capabilities, and may include one or more processors 1201 and memory 1202, where the memory 1202 may store one or more stored applications or data. Wherein the memory 1202 may be transient storage or persistent storage. The application programs stored in memory 1202 may include one or more modules (not shown in the figures), each of which may include a series of computer-executable instructions in a payment server. Still further, the processor 1201 may be configured to communicate with the memory 1202 to execute a series of computer executable instructions in the memory 1202 on the payment server. The payment server may also include one or more power supplies 1203, one or more wired or wireless network interfaces 1204, one or more input/output interfaces 1205, and the like.

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

Receiving a payment request of a transaction order of a user sent by a transaction server;

responding to the payment request, inquiring a payment channel opened by the user, performing credit payment evaluation on the user to obtain an evaluation result, and returning the payment channel and the evaluation result to the transaction server;

receiving a credit payment request submitted by the transaction server if credit payment is available; the credit payment request is generated according to a credit payment instruction of the credit payment recommendation which is carried out by the user after the payment is cancelled;

and carrying out credit payment processing of the transaction order based on the credit payment request.

An embodiment of a transaction server provided in the present specification is as follows:

in response to the above description of another credit-based order payment method, one or more embodiments of the present disclosure further provide a transaction server for executing the above provided another credit-based order payment method, and fig. 13 is a schematic structural diagram of one or more embodiments of the present disclosure.

The transaction server provided in this embodiment includes:

As shown in fig. 13, the transaction server may have a relatively large difference due to different configurations or capabilities, and may include one or more processors 1301 and a memory 1302, where the memory 1302 may store one or more storage applications or data. Wherein the memory 1302 may be transient storage or persistent storage. The application program stored in memory 1302 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a transaction server. Still further, the processor 1301 may be arranged to communicate with the memory 1302, executing a series of computer executable instructions in the memory 1302 on a transaction server. The transaction server may also include one or more power supplies 1303, one or more wired or wireless network interfaces 1304, one or more input/output interfaces 1305, and the like.

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

Creating a trade order according to a trade command of a user, generating a payment request of the trade order and sending the payment request to a payment server;

receiving a payment channel opened by the user and returned by the payment server, and carrying out credit payment evaluation on the user;

if the evaluation result is that credit payment is available, carrying out credit payment recommendation to the user after detecting payment cancellation;

and generating a credit payment request according to the credit payment instruction recommended by the user for the credit payment and sending the credit payment request to the payment server so as to process the credit payment of the transaction order.

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

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

The storage medium provided in this embodiment is configured to store computer executable instructions that, when executed by a processor, implement the following flow:

It should be noted that, in the present specification, an embodiment of a storage medium and an embodiment of a credit-based order payment method in the present specification are based on the same inventive concept, so that a specific implementation of the embodiment may refer to an implementation of the foregoing corresponding method, and a repetition is omitted.

Another storage medium embodiment provided in this specification is as follows:

corresponding to the other credit-based order payment method described above, one or more embodiments of the present specification provide another storage medium based on the same technical idea.

It should be noted that, in the present specification, an embodiment of another storage medium and an embodiment of another credit-based order payment method in the present specification are based on the same inventive concept, so that a specific implementation of the embodiment may refer to an implementation of the foregoing corresponding method, and a repetition is omitted.

In this specification, each embodiment is described in a progressive manner, and the same or similar parts of each embodiment are referred to each other, and each embodiment focuses on the differences from other embodiments, for example, an apparatus embodiment, and a storage medium embodiment, which are all similar to a method embodiment, so that description is relatively simple, and relevant content in reading apparatus embodiments, and storage medium embodiments is referred to the part description of the method embodiment.

The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

In the 30 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC 626D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8061F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.

The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each unit may be implemented in the same piece or pieces of software and/or hardware when implementing the embodiments of the present specification.

One skilled in the relevant art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present description can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.

The present description is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the specification. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.

Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.

One or more embodiments of the present specification may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The foregoing description is by way of example only and is not intended to limit the present disclosure. Various modifications and changes may occur to those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. that fall within the spirit and principles of the present document are intended to be included within the scope of the claims of the present document.

Claims

1. A credit-based order payment method, applied to a payment server, the method comprising:

2. The credit-based order payment method of claim 1, the credit payment assessment of the user comprising:

Determining a credit risk level of the user according to the credit data and the asset data of the user;

3. The credit-based order payment method of claim 2, the credit payment assessment of the transaction order to the user based on the credit risk level and the credit data comprising:

4. The credit-based order payment method as recited in claim 1, wherein the payment cancellation is determined by:

the method comprises the steps of determining after detecting that a payment cancellation interface configured by a payment confirmation page of the transaction order is triggered, determining if a payment result obtained after submitting a confirmation payment instruction through the payment confirmation page is a payment failure result, or determining if the available funds of the payment channel are detected to be smaller than the payment amount of the transaction order.

5. The credit-based order payment method of claim 4, the credit payment recommendation being implemented by:

generating a recommendation message comprising a credit payment reminder and a credit payment triggering interface to present the recommendation message to the user through the payment confirmation page or payment result page; the credit payment instruction is generated after the credit payment triggering interface is triggered.

6. The credit-based order payment method of claim 1, the credit payment processing of the trade order based on the credit payment request comprising:

freezing the credit payment amount or credit asset of the user according to the payment amount of the transaction order; the credit payment amount is determined according to the credit data of the user;

and generating a payment success message after the freezing process is completed and returning the payment success message to the transaction server.

7. The credit-based order payment method of claim 6, further comprising:

according to the deduction request sent by the transaction server, deducting money from a fund account of the payment channel according to the payment amount, and transferring deducted money obtained by deduction processing into a merchant account; the deduction request is sent after a confirmation receiving instruction of the trade commodity of the trade order is obtained;

And thawing the credit payment amount or the credit asset, and returning a deduction success message to the transaction server.

8. The credit-based order payment method of claim 6, further comprising:

9. The credit-based order payment method of claim 6, further comprising:

10. The credit-based order payment method of claim 1, the payment request being generated upon acquisition of a first transaction instruction submitted through a first payment control that triggers a merchandise display page of a transacted merchandise, or upon acquisition of a second transaction instruction submitted through a second payment control that triggers a merchandise order page of the transacted merchandise.

11. A credit-based order payment method, applied to a transaction server, the method comprising:

12. A credit-based order payment method as recited in claim 11, said transaction instructions comprising:

and triggering a first transaction instruction submitted by a first payment control of a commodity display page of a transaction commodity, and triggering a second transaction instruction submitted by a second payment control of a commodity order page of the transaction commodity.

13. The credit-based order payment method of claim 11, the credit payment assessment being accomplished by:

14. The credit-based order payment method of claim 13, the credit payment assessment of the transaction order to the user based on the credit risk level and the credit data comprising:

15. A credit-based order payment method as recited in claim 11, said payment cancellation being determined by:

upon detecting that a payment cancellation interface of a payment confirmation page arrangement of the trade order is triggered,

determining that the payment result obtained after submitting the confirmation payment instruction through the payment confirmation page is a payment failure result,

Alternatively, it is determined if it is detected that the available funds of the payment channel are less than the payment amount of the transaction order.

16. A credit-based order payment method as recited in claim 15, said making a credit payment recommendation to the user comprising:

17. The credit-based order payment method of claim 11, the credit payment process of making the trade order comprising:

freezing the credit payment amount or credit asset of the user according to the payment amount of the transaction order;

and generating a payment success message after the freezing process is completed.

18. The credit-based order payment method of claim 17, further comprising:

after acquiring a confirmation receiving instruction of a transaction commodity of the transaction order, sending a deduction request to the payment server so as to carry out deduction processing on a fund account of the payment channel according to the payment amount of the transaction order, and transferring deduction funds obtained by the deduction processing into a merchant account;

And receiving a deduction success message sent by the payment server after thawing the credit payment amount or the credit asset.

19. The credit-based order payment method of claim 17, further comprising:

generating a return order request according to a return order instruction submitted by the user and sending the return order request to the payment server so as to defrost the credit payment amount or the credit asset;

and receiving a return order return message returned by the payment server after the thawing process is completed.

20. A credit-based order payment device, operative in a payment server, the device comprising:

the payment request receiving module is configured to receive a payment request of a transaction order of a user, which is sent by the transaction server;

the credit payment evaluation module is configured to respond to the payment request, inquire a payment channel opened by the user, evaluate the credit payment of the user to obtain an evaluation result, and return the payment channel and the evaluation result to the transaction server;

a credit payment request receiving module configured to receive a credit payment request submitted by the transaction server if credit payment is available; the credit payment request is generated according to a credit payment instruction of the credit payment recommendation which is carried out by the user after the payment is cancelled;

A credit payment processing module configured to conduct credit payment processing of the transaction order based on the credit payment request.

21. A credit-based order payment device, operative in a transaction server, the device comprising:

the payment request sending module is configured to create a trade order according to a trade instruction of a user, generate a payment request of the trade order and send the payment request to the payment server;

the credit evaluation result receiving module is configured to receive a payment channel opened by the user and returned by the payment server, and an evaluation result of credit payment evaluation on the user;

a credit payment recommendation module configured to make a credit payment recommendation to the user after detecting a payment cancellation if the evaluation result is that credit payment is available;

and the credit payment request sending module is configured to generate a credit payment request according to a credit payment instruction recommended by the user for the credit payment and send the credit payment request to the payment server so as to process the credit payment of the transaction order.

22. A payment server, comprising:

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

23. A transaction server, comprising:

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

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