Title:
PAYMENT PROCESSING METHOD, APPARATUS AND SYSTEM
Document Type and Number:
WIPO Patent Application WO/2021/135753
Kind Code:
A1
Abstract:
Provided are a payment processing method, apparatus and system. The method is applied to a clearing system, and comprises: receiving a payment request sent by a merchant end by means of an acquisition system (S101); digitally signing the payment request, and returning a response result to the merchant end by means of the acquisition system, wherein the response result comprises a route jump address corresponding to an account end, so that the merchant end jumps to the account end according to the route jump address and sends, by means of the account end, the digitally signed payment request to an account background system to verify same, and after verification is passed, a payment operation corresponding to the payment request is carried out to obtain a payment operation result (S103); and receiving the payment operation result sent by the account background system, and returning the payment operation result to the merchant end by means of the acquisition system (S105). In the method, the interconnection and intercommunication between an acquisition system, a merchant end and an account end are realized by means of a clearing system, an interactive link in a system is simplified, the complexity is reduced, the overall security of the system is improved, and the overall payment processing efficiency is improved.
Inventors:
ZHAO SHANBIN (CN)
Application Number:
PCT/CN2020/131906
Publication Date:
July 08, 2021
Filing Date:
November 26, 2020
Export Citation:
Assignee:
NETSUNION CLEARING CORP (CN)
International Classes:
G06Q20/40
Foreign References:
| CN111192057A | 2020-05-22 | |||
| CN109767200A | 2019-05-17 | |||
| CN108171489A | 2018-06-15 | |||
| CN105023146A | 2015-11-04 | |||
| US20150039510A1 | 2015-02-05 |
Other References:
See also references of EP 3965041A4
Attorney, Agent or Firm:
TSINGYIHUA INTELLECTUAL PROPERTY LLC (CN)
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