Payment method and apparatus, related device, and system

Patent metadata

Field	Value
Publication number	US-11769123-B2
Application number	US-202217892748-A
Country	US
Kind code	B2
Filing date	Aug 22, 2022
Priority date	May 15, 2018
Publication date	Sep 26, 2023
Grant date	Sep 26, 2023

Abstract

A payment method by a processing server to process payment that is independently performed between a user equipment and a payment channel server is provided. The method includes: generating, by the processing server, a payment order bound to a merchant order generated by a merchant device by determining a corresponding item ID, of a service and/or a product for purchase, that is registered with the payment channel server, the merchant order corresponding to the service and/or the product provided by the merchant device; obtaining, by the processing server, a payment voucher corresponding to the payment order; matching, by the processing server, based on the payment voucher, the merchant order bound to the payment order; and transmitting, by the processing server to the merchant device, based on the matched merchant order, a service/product providing notification for providing the service and/or the product to the user equipment.

First claim

What is claimed is:

1. A payment method by a processing server to process payment that is independently performed between a user equipment and a payment channel server, the method comprising:
generating, by the processing server, a payment order bound to a merchant order generated by a merchant device by determining a corresponding item ID, of a service and/or a product for purchase, that is registered with the payment channel server, the merchant order corresponding to the service and/or the product provided by the merchant device and indicating a transaction price of the service and/or the product, wherein
a plurality of item IDs are registered to the payment channel server and are associated with the same transaction price, and the generating the payment order bound to the merchant order comprises:
determining one item ID as the corresponding item ID, among the plurality of item IDs, in a polling manner, by periodically and sequentially supplying the plurality of item IDs to be assigned to the transaction price each time a payment pull-up request of the user equipment is received for the same transaction price, and binding the determined one item ID to the merchant order, and
with respect to a plurality of merchant orders that correspond to a plurality of payment pull-up requests of the user equipment for the same transaction price and are bound to the one item ID:
based on a payment via the payment channel server not having been made, statuses of the plurality of merchant orders are marked as not being yet matched, and
based on the payment via the payment channel server being made for one of the plurality of merchant orders, the statuses of all the plurality of merchant orders are marked as being matched;

obtaining, from the user equipment by the processing server, a payment voucher, wherein the payment voucher is provided from the payment channel server to the user equipment based on payment of the payment order by the user equipment using the payment channel server, wherein the payment voucher indicates one item ID, among the plurality of item IDs, used by the user equipment to complete the payment of the payment order;
matching, by the processing server, based on the payment voucher, the merchant order bound to the payment order by using the one item ID; and
transmitting, by the processing server to the merchant device, based on the matched merchant order, a service/product providing notification for providing the service and/or the product to the user equipment.

2. The payment method according to claim 1 , wherein the generating comprises:
transmitting, by the processing server, the payment pull-up request of the user equipment to the merchant device, the payment pull-up request indicating the service and/or the product for purchase;
obtaining, by the processing server, a payment order generation request from the merchant device, the payment order generation request indicating at least the merchant order corresponding to the service and/or the product; and
generating, by the processing server, based on the payment order generation request, the payment order bound to the merchant order.

3. The payment method according to claim 2 , wherein the generating the payment order bound to the merchant order based on the payment order generation request comprises:
determining, by the processing server, based on the payment order generation request, a transaction price of the merchant order; and
determining, by the processing server, an item identifier (ID) corresponding to the transaction price, and binding the item ID to the merchant order, the item ID being registered to the payment channel server.

4. The payment method according to claim 3 , wherein the payment order generation request comprises a merchant order number for uniquely identifying the merchant order, and the transaction price of the merchant order,
wherein the determining the transaction price comprises determining, by the processing server, the transaction price of the merchant order included in the payment order generation request, and
wherein the binding comprises binding, by the processing server, the item ID to the merchant order number.

5. The payment method according to claim 3 , wherein the determining the item ID comprises:
determining, by the processing server, based on a sequential order of using the transaction price, an item ID corresponding to the sequential order from the plurality of item IDs corresponding to the transaction price, the plurality of item IDs corresponding to one transaction price being sequentially used in order.

6. The payment method according to claim 1 , wherein the obtaining comprises:
transmitting, by the processing server, based on the payment order, a payment pull-up notification to the user equipment; and
obtaining, by the processing server, the payment voucher based on payment of the payment order.

7. The payment method according to claim 1 , further comprising:
determining settlement data according to the payment voucher, the settlement data comprising at least one of a commodity identifier corresponding to the service and/or the product, a transaction price of the merchant order, a transaction currency, a settlement amount, merchant identity information corresponding to the merchant device, user identity information corresponding to the user equipment, or a merchant order number of the merchant order; and
sharing, based on the settlement amount, the settlement amount with a merchant corresponding to the merchant device according to a specified ratio.

8. A processing server, comprising:
at least one memory configured to store program code; and
at least one processor configured to read the program code and operate as instructed by the program code, the program code causing the at least one processor to perform operations of the method according to claim 1 .

9. A non-transitory storage medium, storing a computer program, the computer program, when being executed by a processor, causing the processor to perform the payment method according to claim 1 .

10. A payment apparatus, applied to a processing server to process payment that is independently performed between a user equipment and a payment channel server, the payment apparatus comprising:
at least one memory configured to store program code; and
at least one processor configured to read the program code and operate as instructed by the program code, the program code comprising:
payment order generation code configured to cause at least one of the at least one processor to generate a payment order bound to a merchant order generated by a merchant device by determining a corresponding item ID, of a service and/or a product for purchase, that is registered with the payment channel server, the merchant order corresponding to the service and/or the product provided by the merchant device and indicating a transaction price of the service and/or the product, wherein
a plurality of item IDs are registered to the payment channel server and are associated with the same transaction price, and the payment order generation code is configured to cause at least one of the at least one processor to generate the payment order bound to the merchant order by:
determining one item ID as the corresponding item ID, among the plurality of item IDs, in a polling manner, by periodically and sequentially supplying the plurality of item IDs to be assigned to the transaction price each time a payment pull-up request of the user equipment is received for the same transaction price, and binding the determined one item ID to the merchant order, and
with respect to a plurality of merchant orders that correspond to a plurality of payment pull-up requests of the

Assignees

• Tencent Tech Shenzhen Company Ltd

Inventors

• Bao Dong Po
• Wang song jian
• Deng Jian Wei
• Wu rui zhou
• Zeng Dan
• Fei Qiang
• Chen ning guo

Classifications

• G06Q20/0855 Primary

  involving a third party · CPC title

• G06Q20/02 Primary

  involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] · CPC title

• G06Q30/0185

  Product, service or business identity fraud · CPC title

• G06Q30/04

  Billing or invoicing · CPC title

• G06Q40/12

  Accounting · CPC title