Processing electronic payments using at least two payment tools for a transaction
View Patent ↗Embodiments of the present application relate to a method, apparatus, and system for operating an account. The method includes receiving a selection of a plurality of payment tools from a terminal, determining a plurality of payment servers corresponding to respective ones of the plurality of payment tools based on the received selection, sending one or more funds deduction commands to the plurality of payment servers associated with corresponding ones of the selected payment tools, receiving one or more notifications of successful funds deduction from any of the plurality of payment servers associated with the selected payment tools, and in response to receiving the one or more notifications of successful funds deduction, updating funds data in a third party payment account.
1. A method, comprising:
providing, by one or more processors, a payment tool selection page to a terminal, wherein the providing the payment tool selection page comprises pushing the payment tool selection page to the terminal;
receiving, by the one or more processors associated with one or more servers, an indication that a plurality of payment tools is to be used for payment in connection with online order, wherein:
the indication is received from the terminal; and
a selection of the plurality of payment tools is received in connection with a submission to the payment tool selection page;
sending, by the one or more processors, one or more funds deduction commands to a plurality of payment servers associated with corresponding ones of the plurality of payment tools;
in response to a determination that a funds deduction is unsuccessful at one or more of the plurality of payment servers, causing a funds deduction to be rolled back for at least one of the plurality of payment servers for which the corresponding funds deduction is determined to be successful; and
in response to a determination that the funds deduction is successful at the plurality of payment servers, causing payment for the online order to be completed.
2. The method of claim 1 , further comprising:
receiving, by the one or more processors, one or more notifications of successful funds deduction from any of the plurality of payment servers associated with the selected payment tools; and
in response to receiving the one or more notifications of successful funds deduction, updating, by the one or more processors, funds data in a third party payment account.
3. The method of claim 2 , wherein the updating of the funds data in the third party payment account comprises updating the funds data in the third party payment account for each of the one or more notifications of a successful funds deduction received from the plurality of payment servers.
4. The method of claim 1 , further comprising:
in response to a determination that funds data in a third party payment account is updated, sending a notification of successful payment to the terminal.
5. The method of claim 4 , wherein the notification of successful payment pertains to successful payment from a corresponding one of the plurality of payment servers.
6. The method of claim 4 , wherein the notification of successful payment is sent to the terminal in response to a determination that a notification of successful funds deduction is received for each of the selected payment tools.
7. The method of claim 1 , wherein the causing the funds deduction to be rolled back comprises:
causing a deduction command to be reversed at each of the plurality of servers for which the corresponding funds deduction is determined to be successful; and
causing a third party account to be updated to reverse a plurality of updates to the third party account, the plurality of updates to be reversed corresponding to successful funds deductions at the plurality of servers for which the corresponding funds deduction is determined to be successful.
8. The method of claim 1 , further comprising:
receiving a notification of failed funds deduction from any of the plurality of payment servers; and
in response to receiving the notification of failed funds deduction, sending a notification of failed payment to the terminal,
wherein the causing the funds deduction to be rolled back comprises:
sending a payment process rollback command to the at least one of the plurality of payment servers;
determining whether funds data of a third party payment account has been updated in response to receiving a notification of successful funds deduction from any of the plurality of payment servers; and
in response to determining that the funds data of the third party payment account has been updated, restoring the funds data of the third party payment account.
9. The method of claim 8 , wherein the payment process rollback command comprises a reverse operation request command or a refund operation request command.
10. The method of claim 1 , further comprising:
in response to a determination that a notification of successful funds deduction is not received from any of the plurality of payment servers within a threshold period of time, determining that the funds deduction is unsuccessful at the one or more of the plurality of payment servers, and sending a notification of failed payment to the terminal,
wherein the causing the funds deduction to be rolled back comprises:
sending a payment process rollback command to the payment servers associated with corresponding ones of the selected payment tools;
determining whether funds data of a third party payment account has been updated in response to receiving a notification of successful funds deduction from any of the plurality of payment servers; and
in response to determining that the funds data of the third party payment account has been updated, restoring the funds data of the third party payment account.
11. The method of claim 1 , wherein the receiving the indication that the plurality of payment tools is to be used in connection with the online order comprises:
receiving a selection of the plurality of payment tools.
12. The method of claim 11 , wherein the selection of the plurality of payment tools corresponding to an input to a payment tool selection page to the terminal.
13. The method as described in claim 11 , wherein:
payment amount information corresponding to each selected payment tool in connection is received with the receiving of the selection of the plurality of payment tools.
14. The method of claim 11 , wherein the plurality of payment servers is determined based at least in response to the selection of the plurality of payment tools and a mapping of payment servers to payment tools.
15. A device, comprising:
at least one processor configured to:
provide a payment tool selection page to a terminal, wherein to provide the payment tool selection page comprises pushing the payment tool selection page to the terminal;
receive an indication that a plurality of payment tools are to be used for payment in connection with online order, wherein:
the indication is received from the terminal; and
a selection of the plurality of payment tools is received in connection with a submission to the payment tool selection page;
send one or more funds deduction commands to a plurality of payment servers associated with corresponding ones of the plurality of payment tools;
in response to a determination that a funds deduction is unsuccessful at one or more of the plurality of payment servers, cause a funds deduction to be rolled back for at least one of the plurality of payment servers for which the corresponding funds deduction is determined to be successful; and
in response to a determination that the funds deduction is successful at the plurality of payment servers, cause payment for the online order to be completed; and
a memory coupled to the at least one processor and configured to provide the at least one processor with instructions.
16. A computer program product, the computer program product being embodied in a non-transitory computer readable storage medium and comprising computer instructions for:
providing, by one or more processors, a payment tool selection page to a terminal, wherein the providing the payment tool selection page comprises pushing the payment tool selection page to the terminal;
receiving, by the one or more processors associated with one or more servers, an indication that a plurality of payment tools is to be used for payment in connection with online order, wherein:
the indication is received from the terminal; and
a selection of the plurality of payment tools is received in connection with a submission to the payment tool selection page;
sending, by the one or more processors, one or more funds deduction commands to a plurality of payment servers associated with corresponding ones of the plurality of payment tools;
in response to a determination that a funds deduction is unsuccessful at one or more of the plurality of payment servers, causing a funds deduction to be rolled back for at least one of the plurality of payment servers for which the corresponding funds deduction is determined to be successful; and
in response to a determination that the funds deduction is successful at the plurality of payment servers, causing payment for the online order to be completed.