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Payment data processing method and system used for e-business platform

A payment data and e-commerce platform technology, applied in the field of data processing, can solve problems such as inability to meet buyers' diverse payment needs, and achieve the effect of ensuring security

Inactive Publication Date: 2014-10-01
CHINA CONSTRUCTION BANK
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The above-mentioned payment methods are all offline payments separated from online commodity orders, which are increasingly unable to meet the diverse payment needs of buyers.

Method used

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  • Payment data processing method and system used for e-business platform
  • Payment data processing method and system used for e-business platform

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Embodiment Construction

[0026] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings.

[0027] refer to figure 1 , which illustrates a schematic flowchart of a payment data processing method for an e-commerce platform according to an embodiment of the present invention, the method may specifically include:

[0028] S101, call the shopping module to receive the commodity order submitted by the buyer, and receive the personal loan payment information selected by the user;

[0029] S102, calling the payment processing module to receive the buyer's personal loan application, granting a grant amount to the buyer's loan account according to the personal loan application, and specifying a repayment account;

[0030] S103, call the online banking module to verify the identity of the buyer according to the repayment account, and transfer...

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Abstract

The invention provides a payment data processing method used for an e-business platform. The payment data processing method includes the steps that a shopping module is called to receive a commodity order submitted by a buyer and personal loan payment information selected by a user; a payment processing module is called to receive a personal loan application of the buyer and issues and grants a loan limit to a loan account of the buyer according to the personal loan application, and a repayment account is appointed; an e-bank module is called to authenticate the identity of the buyer according to the repayment account, and funds of the loan account is transferred to the appointed transaction account after the identify passes authentication; the transaction module is called to synchronously update the state of the commodity order after the funds of the appointed transaction account are received. After the method is implemented, while the commodity order is submitted, the personal load application can be submitted online, and a favorable safety shield can be provided for processing payment data relevant to personal loan payment through the e-bank module capable of being directly oriented to the user.

Description

technical field [0001] The present invention relates to the field of data processing, in particular to a payment data processing method and system for an e-commerce platform. Background technique [0002] With the continuous development of e-commerce, the requirements for the processing of relevant data on e-commerce platforms are also constantly improving and changing, which is an ever-changing challenge to the data processing of banking institutions that are closely connected with e-commerce platforms. Among them, one type of data closely related to e-commerce platforms and banking institutions is the payment data of commodities on e-commerce platforms. Existing payment for goods on the e-commerce platform mostly adopts the original cash payment, or adopts a savings card or a credit card (for example, credit card installment payment, etc.). The way to pay by savings card or credit card is mostly to pay by bank account transfer after submitting the order to the seller, or ...

Claims

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Application Information

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IPC IPC(8): G06Q30/00G06Q20/22G06Q20/40
Inventor 王伟兰欣黄丹赵金鑫何洁珍陈林胡仲强傅强李尚真俞广华
Owner CHINA CONSTRUCTION BANK
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