Method, device and system for realizing merging payment

Abstract

The invention discloses a method for realizing merging payment. The method comprises the following steps: receiving at least two trading information files in different formats sent by a user through an e-commerce trading platform by a third-party payment platform, converting the trading information files into files with the same format and storing a user ID corresponding to the user; when a payment requiring message which carries the user ID and is sent through a client is received, merging trading amounts which correspond to the at least two trading information files and are stored by the user ID so as to obtain a trading total amount; and sending a command for deducting the trading total amount from a bank account appointed by the user to a bank platform so as to finish a merging paymentflow. The user can finish payments aiming at different e-commerce trading platforms by only executing the merging payment flow once through the third-party payment platform, and the executive complexity of the whole payment flow is greatly reduced. The invention also discloses a system and a device for the merging payment business.

Description

technical field [0001] The present application relates to the field of computer technology, in particular to a method, device and system for realizing consolidated payment. Background technique [0002] With the development of e-commerce technology, more and more people choose to shop online on e-commerce trading platforms. The products involved in buying and selling are becoming more and more abundant, and the number of e-commerce trading platforms involved is also increasing. Usually, the process of online shopping is that the user selects the product to be purchased on the e-commerce platform. After placing an order, the e-commerce website will form an electronic order, and then the user will complete the online or offline payment according to these orders. [0003] As far as online payment is concerned, there are many ways to realize payment, one of which is to complete electronic payment through a third-party payment platform. The so-called third-party payment platform...

AI Technical Summary

Problems solved by technology

[0006] However, there is a very big defect in the above combined payment: that is, the order that the traditional combined payment can complete the combined payment at one time must come from the same e-commerce platform; then, when users shop online on different e-commerce transaction platforms In this case, it is necessary to use a third-party payment platform to complete the payment process for orders from different e-commerce trading platforms. In this way, when the number of e-commerce trading platforms involved in the user's commodity transaction is too large, the traditional combined payment will appear. The execution of the overall payment process is too complicated, the execution efficiency of the overall payment process is low, and the application scenarios are narrow, etc.

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