FIELD

The disclosure relates to the field of data processing technologies, and specifically, to a payment method and an apparatus, a related device, and a system.

BACKGROUND

When a user purchases a virtual value-added service, the purchase and payment of the virtual value-added service needs to be implemented by using a payment channel. More specifically, when a user purchases a virtual value-added service in an application, the purchase and payment of the virtual value-added service in the application may be implemented by using a payment channel provided by a mobile operating system, for example, an In APP Purchase (IAP) payment channel launched by iOS (iOS is a mobile operating system developed by Apple Inc.), or a Google Wallet (GW) payment channel launched by Android. These payment channels may be considered as in-app payment channels, and mainly support the purchase and payment of a virtual value-added service in an application.

With the rise of platform-level applications, a growing number of merchants providing virtual value-added services access an application. There is a great demand for providing a payment support (or payment function) for virtual value-added services provided by the merchants.

SUMMARY

One or more example embodiments of the disclosure provide a payment method and apparatus, a related device, and a system, to provide payment support for virtual value-added services provided by a plurality of merchants in an application.

According to an aspect of an example embodiment, provided is 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 including: 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.

According to an aspect of an example embodiment, provided is a payment method, including: generating, by a merchant device, a merchant order corresponding to a virtual value-added service that user equipment requests to purchase; transmitting, by the merchant device, a payment order generation request to a processing server, the payment order generation request being used for requesting the processing server to generate a payment order bound to the merchant order; receiving, by the merchant device, a service providing notification transmitted by the processing server, the service providing notification being transmitted by the processing server after the processing server obtains a payment voucher corresponding to the payment order and matches the merchant order bound to the payment order; and providing, by the merchant device, according to the service providing notification, the virtual value-added service corresponding to the matched merchant order for the user equipment.

According to an aspect of an example embodiment, provided is a payment method, including: obtaining, by user equipment, a payment pull-up notification indicating at least a payment order and transmitted by a processing server, the payment order being bound to a merchant order generated by a merchant device, the merchant order corresponding to a virtual value-added service that the user equipment requests to purchase; transmitting, by the user equipment, a payment voucher corresponding to the payment order to the processing server; and obtaining, by the user equipment, a virtual value-added service provided by the merchant device, the virtual value-added service being provided by the merchant device after the processing server matches the merchant order bound to the payment order according to the payment voucher and instructs the merchant device to provide the virtual value-added service corresponding to the matched merchant order.

According to an aspect of an example embodiment, provided is 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 including: 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 including: 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; payment voucher obtaining code configured to cause at least one of the at least one processor to obtain a payment voucher corresponding to the payment order; merchant order matching code configured to cause at least one of the at least one processor to match, based on the payment voucher, the merchant order bound to the payment order; and service providing notification code configured to cause at least one of the at least one processor to transmit, based on the matched merchant order, a service/product providing notification for providing the service to the user equipment.

According to an aspect of an example embodiment, provided is a processing server, including: at least one memory and at least one processing chip, the memory storing a program, and the processing chip invoking the program to implement the operations of the foregoing payment method performed by the processing server.

According to an aspect of an example embodiment, provided is a payment apparatus, applied to a merchant device, the payment apparatus including: 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 including: merchant order generation code configured to cause at least one of the at least one processor to generate a merchant order corresponding to a service and/or a product provided by the merchant device; payment order generation request code configured to cause at least one of the at least one processor to transmit, to a processing server, a request for a payment order bound to the merchant order, the payment order being generated by the processing server based on determining a corresponding item ID, of the service and/or the product for purchase, that is registered with a payment channel server; service providing notification receiving code configured to cause at least one of the at least one processor to receive a service/product providing notification from the processing server, the service providing notification being based on a payment voucher that is obtained corresponding to the payment order bound to the merchant order; and service providing code configured to cause at least one of the at least one processor to provide, based on the service/product providing notification, the service and/or the product corresponding to the matched merchant order to user equipment.

According to an aspect of an example embodiment, provided is a merchant device, including: at least one memory and at least one processing chip, the memory storing a program, and the processing chip invoking the program to implement the operations of the foregoing payment method performed by the merchant device.

According to an aspect of an example embodiment, provided is a payment apparatus, applied to user equipment, the payment apparatus including: 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 including: payment pull-up notification obtaining code configured to cause at least one of the at least one processor to obtain a payment pull-up notification indicating at least a payment order and transmitted by a processing server, the payment order being bound to a merchant order generated by a merchant device, the merchant order corresponding to a virtual value-added service that the user equipment requests to purchase; a payment voucher transmitting code configured to cause at least one of the at least one processor to transmit a payment voucher corresponding to the payment order to the processing server; and a service obtaining code configured to cause at least one of the at least one processor to obtain a virtual value-added service provided by the merchant device, the virtual value-added service being provided by the merchant device after the processing server matches the merchant order bound to the payment order according to the payment voucher and instructs the merchant device to provide the virtual value-added service corresponding to the matched merchant order.

According to an aspect of an example embodiment, provided is user equipment, including: at least one memory and at least one processing chip (or at least one processor), the memory storing a program, and the processing chip invoking the program to implement the operations of the foregoing payment method performed by the user equipment.

According to an aspect of an example embodiment, provided is a non-transitory storage medium, storing a program suitable for being executed by a processing chip, to implement the operations of the foregoing payment method performed by the processing server, or to implement the operations of the foregoing payment method performed by the merchant device, or to implement the operations of the foregoing payment method performed by the user equipment.

According to an aspect of an example embodiment, provided is a payment system, including: the foregoing processing server, the foregoing merchant device, and the foregoing user equipment.

