CN103903126A - Method of funds quickly to account, system, telecommunication system, and third party payment system - Google Patents

Abstract

The invention discloses a method of funds quickly to an account. The method comprises steps: a telecommunication system acquires a transaction flow, a transaction item with funds not to the account is chosen in the transaction flow, and a request for querying whether the transaction is successful is sent to the third party payment system; the third party payment system returns a successful transaction response to the transaction item to the telecommunication system when the successful transaction of the transaction item is determined according to the query request; and the telecommunication system carries out funds to the account processing on the transaction item according to the successful transaction response to the transaction item. The invention also discloses a system for funds quickly to the account, the telecommunication system, and the third party payment system. Thus, funds timely to the account can be ensured when electronic payment of the user is successful via the third party payment system.

Description

Method, system and telecommunication system, third-party payment system for quick transfer of funds

technical field

The invention relates to electronic payment technology, in particular to a method, system, telecommunication system, and third-party payment system for quick transfer of funds.

Background technique

With the development and popularization of the mobile communication industry in recent years, customers are paying more and more attention to the timeliness and readiness of telephone charge recharge in the telecommunications system. How to ensure the timely and accurate telephone charge recharge has gradually become the focus of current telecommunications companies. One of the focal points.

With the boom in electronic payments, online transactions have gone from a novelty to a part of everyday life for consumers. Relevant surveys show that: away from the troubles of crowding and queuing, and with the increasingly standardized and improved security of the electronic payment transaction system, more mobile communication users are leaving the traditional payment channels such as business halls and agents. Third-party payment systems such as Alipay, bank websites, and mobile payment platforms conduct online recharge, and the electricity recharge channels of the telecommunications system are becoming more and more convenient.

The third-party payment system means that the third-party platform provider establishes a connection between the telecommunications system and the bank by using standardized connectors, so as to realize the online recharge behavior from mobile communication users to financial institutions and telecommunications operators. The existing third-party payment system of the telecommunications system is mainly divided into the following two types of architectures:

1. Dedicated line mode

Protocol type: socket protocol (SOCKET);

Connection method: front-end processors are deployed between the telecommunications system and the third-party payment platform provider, and are connected through dedicated lines;

Main partners: banks, industry payment, Lacala, etc.;

Main application case: 96669 UnionPay card recharge, including: the user uses the UnionPay card, recharges through the 96669IVR hotline, and the telecommunications system encrypts the message and initiates a deduction request to UnionPay. After the UnionPay deduction is successful, the deduction result will be notified to the telecommunications system. The user recharge operation is completed after the telecommunication system receives the confirmation request.

2. Internet mode

Protocol type: Hypertext Transfer Protocol (HTTP);

Connection method: the telecommunications system exchanges messages with the Internet host of the third-party payment platform provider by deploying the Internet front-end processor;

Main partners: UnionPay, Alipay, mobile payment platforms, etc.

Main application case: Mobile communication users recharge through the UnionPay menu in the online business hall. After the online business hall verifies the user information, it initiates a deduction request to UnionPay. After the UnionPay deduction is successful, the deduction result is notified to the online business hall and The supporting system completes the recharge operation for the user after confirmation.

The security of the third-party payment recharge system is mainly guaranteed from three aspects: capital security, transaction security and system operation security:

(1) Fund security: mainly through measures such as daily transaction reconciliation, account adjustment, and offset auditing of the telecommunications system and the third-party payment system to ensure the consistency of funds on both platforms;

(2) Transaction security: mainly through encryption, security certificates, identity authentication and other measures to prevent information leakage and tampering, and ensure the security of the transaction process;

(3) System security: Mainly through dedicated lines, private networks, firewall policies and other measures to ensure the safety and stability of system operation.

The characteristics of the existing third-party payment system are mainly focused on fund security, transaction security, and system security. There is no corresponding solution for the timely rate of recharge that is currently most concerned by customers, especially the existing recharge system. When abnormalities occur in the payment system, such as network outages, timeouts, users suspending operations, etc., it is impossible to provide effective emergency measures to ensure that the funds are credited to the account in time after the user's electronic payment is successful.

Contents of the invention

In view of this, the main purpose of the present invention is to provide a method, system, telecommunication system, and third-party payment system for quickly transferring funds to the account, so as to ensure the timeliness of the funds arriving after the user's electronic payment is successful.

In order to achieve the above object, technical solution of the present invention is achieved in that way:

The present invention provides a method for quick transfer of funds, the method comprising:

The telecommunication system obtains the transaction flow, selects the transaction item whose funds have not yet arrived in the transaction flow, and sends a query request whether the transaction item is successful or not to the third-party payment system;

When the third-party payment system confirms that the transaction of the transaction item is successful according to the query request, it returns a transaction success response of the transaction item to the telecommunications system;

According to the transaction success response of the transaction item, the telecommunication system performs funds arrival processing on the transaction item.

In the above scheme, the telecommunication system obtains the transaction flow, and selects the transaction items whose funds have not been received in the transaction flow, which is: the telecommunication system records the transaction information of all the transaction flow through the transaction field; the telecommunication system obtains the set time In the previous transaction flow, in the transaction information of the transaction flow, select the value of the business status field as the transaction item whose funds have not arrived; wherein, the transaction field includes: source field, business type field, storage time field, business Status field, deduction status field.

In the above scheme, the method further includes: the third-party payment system, according to the query request, returns a response that the transaction item has not been successfully traded to the telecommunications system when it is confirmed that the transaction item has not been successfully traded;

The telecommunication system marks the transaction item as verified according to the fact that the transaction item has no transaction success response.

In the above solution, the method further includes: when the inquiry request whether the transaction item is successful or not is sent unsuccessfully or the response from the third-party payment system times out, the telecommunications system reprocesses the transaction item.

The present invention provides a system for quick transfer of funds, the system includes: a telecommunications system and a third-party payment system; wherein,

The telecommunication system is used to obtain the transaction flow, select the transaction item whose funds have not arrived in the transaction flow, and send the query request of whether the transaction item is successful to the third-party payment system; and return according to the third-party payment system In response to the successful transaction of the transaction item, proceed to the account of the transaction item;

The third-party payment system is configured to return a transaction success response of the transaction item to the telecommunications system when confirming that the transaction item is successfully traded according to the query request.

In the above solution, the telecommunication system includes: a telecommunication support system, a telecommunication system interface machine; wherein,

The telecommunications support system is used to record the transaction information of all transaction records through the transaction field; obtain the transaction records before the set time, and select the value of the business status field in the transaction information of the transaction records as funds not yet received the transaction item; sending the query request of whether the transaction item is successful to the interface machine of the telecommunication system; and being used to process the funds of the transaction item according to the transaction success response of the transaction item returned by the third-party payment system; Wherein, the transaction fields include: a source field, a business type field, a storage time field, a business status field, and a deduction status field;

The telecommunications system interface machine is configured to send the query request to a third-party payment system; forward the transaction success response of the transaction item returned by the third-party payment system to the telecommunications support system.

In the above solution, the third-party payment system includes: a third-party payment system interface machine, a third-party payment support system; wherein,

The interface machine of the third-party payment system is configured to receive the query request and send it to the third-party payment support system; forward the successful response of the transaction item returned by the third-party payment support system to the telecommunications system;

The third-party payment support system is configured to return a transaction success response of the transaction item to the interface machine of the third-party payment system when confirming that the transaction item is successfully traded according to the query request.

In the above solution, the third-party payment support system is further configured to return a response that the transaction item is not successful to the interface machine of the third-party payment system when it is confirmed that the transaction item is not successful;

The interface machine of the third-party payment system is also used to forward the response of no transaction success of the transaction item returned by the third-party payment support system to the telecommunications system;

The telecommunication system interface machine is also used to forward the transaction item no transaction success response returned by the third-party payment system to the telecommunication support system;

The telecommunications support system is further configured to mark the transaction item as verified according to the response that the transaction item has no transaction success returned by the third-party payment system.

A telecommunication system provided by the present invention, the telecommunication system includes: a telecommunication support system, a telecommunication system interface machine; wherein,

The telecommunications support system is used to record the transaction information of all transaction records through the transaction fields; obtain the transaction records before the set time, and select the value of the business status field in the transaction records as the transaction items whose funds have not yet arrived ; sending the query request of whether the transaction item is successful to the interface machine of the telecommunication system; and being used to process the funds of the transaction item according to the transaction success response of the transaction item returned by the third-party payment system; wherein, the The above transaction fields include: source field, business type field, storage time field, business status field, deduction status field;

The telecommunications system interface machine is configured to send the query request to a third-party payment system; forward the transaction success response of the transaction item returned by the third-party payment system to the telecommunications support system.

A third-party payment system provided by the present invention, the third-party payment system includes: a third-party payment system interface machine, a third-party payment support system; wherein,

The third-party payment system interface machine is used to receive a query request on whether the transaction item is successful, and send it to the third-party payment support system; forward the transaction success response of the transaction item returned by the third-party payment support system to the telecommunications system;

The third-party payment support system is configured to return a transaction success response of the transaction item to the interface machine of the third-party payment system when confirming that the transaction item is successfully traded according to the query request.

The present invention provides a method, system, and telecommunication system and a third-party payment system for quick transfer of funds. The telecommunication system acquires transaction flow, selects transaction items in which funds have not yet arrived in the transaction flow, and sends them to the third-party payment system. A query request for whether the transaction item is successful; the third-party payment system returns a transaction success response for the transaction item to the telecommunications system when the third-party payment system confirms that the transaction item is successful according to the query request; In response to a successful response, the funds are transferred to the transaction item; in this way, the timeliness of the transfer of funds after the user successfully electronically pays through the third-party payment system can be guaranteed.

Description of drawings

Fig. 1 is a schematic flow chart of the method for quick transfer of funds provided by the present invention;

Fig. 2 is a schematic diagram of the system structure of the quick transfer of funds provided by the present invention.

Detailed ways

The basic idea of the present invention is: the telecommunication system obtains the transaction flow, selects the transaction items whose funds have not been received in the transaction flow, and sends a query request whether the transaction item is successful to the third-party payment system; the third-party payment system according to When the query request confirms that the transaction item is successfully traded, a transaction success response of the transaction item is returned to the telecommunication system; and the telecommunication system performs funds transfer processing on the transaction item according to the transaction success response of the transaction item.

The present invention will be further described in detail below with reference to the accompanying drawings and specific embodiments.

The present invention realizes a method for quick transfer of funds, as shown in Figure 1, the method includes the following steps:

Step 101: The telecommunication system obtains transaction records, selects transaction items whose funds have not yet arrived in the transaction records, and sends an inquiry request to the third-party payment system whether the transaction is successful or not;

In this step, the telecommunication system obtains the transaction flow, and selects the transaction items whose funds have not been received in the transaction flow, as shown in Table 1, the telecommunication system records transaction information for all transaction flow, and the transaction information is passed The transaction fields are recorded, and the transaction fields include: source field (opersource), business type field (sellscheme), storage time field (insertdate), business status field (recstatus), deduction status field (bankstatus), etc.; Obtain the transaction flow before the set time, such as: obtain the transaction flow whose difference between the system time and the storage time exceeds X minutes, and select the transaction item whose value of the business status field in the transaction flow is that the funds have not yet arrived; further The conditions that need to be met for the selection include: the value of the source field is UnionPay, CCB, Alipay and other recharge channels, the value of the business type field is ordinary recharge, marketing recharge, etc., and the value of the deduction status field is third-party payment The platform did not deduct the payment, or the payment failed; here, the X minutes can be 1 minute, or 5 minutes, or 10 minutes, etc.

Table 1

Step 102: When the third-party payment system confirms that the transaction item is successfully traded according to the query request, it returns the transaction item transaction success response to the telecommunications system; There is no transaction success response for the above transaction item;

In this step, the third-party payment system confirms that the transaction item is successfully traded or that the transaction item is not successfully traded on the real-time transaction query interface according to the query request.

Step 103: According to the transaction success response of the transaction item, the telecommunication system performs fund transfer processing on the transaction item, such as replenishing value, etc.; according to the transaction item has no transaction success response, marks the transaction item as verified;

In the above method, when the query request whether the transaction item is successful or not is sent unsuccessfully or the response from the third-party payment system times out, the telecommunications system should support the reprocessing of the transaction item, that is, resend the transaction item to the third-party payment system. Inquiry request whether the transaction item is successful or not, the number of resends can be set in advance;

Further, when reprocessing the transaction item, there is a certain time interval between the two processing times before and after, and the time interval can be set in advance;

Further, the telecommunications system records the processing result, processing times, and last processing time for each processing of the transaction item, and the value range of the processing result is: third-party platform deduction failure, third-party interface call Failed, calling the telecommunications support system interface failed, the deduction of the third-party platform has not been processed, and the replenishment value is successful;

The above method also includes: after the funds are successfully processed into the account, if the third-party payment system returns the deduction result to the telecommunications system, the corresponding transaction items are no longer processed, so as to avoid multiple funds into the account after one deduction; After the processing of funds to the account fails, if the third-party payment system returns the deduction result to the telecommunications system, the funds should be processed again for the corresponding transaction item.

In order to realize the above method, the present invention also provides a system for fast transfer of funds, as shown in Figure 2, the system includes: a telecommunications system 21 and a third-party payment system 22; wherein,

The telecommunication system 21 is used to obtain the transaction flow, select the transaction item whose funds have not been received in the transaction flow, and send the query request of whether the transaction item is successful to the third-party payment system 22; and according to the third-party payment In response to the successful transaction of the transaction item returned by the system 22, the funds are transferred to the account of the transaction item, such as supplementary value, etc.;

The third-party payment system 22 is configured to return a transaction success response of the transaction item to the telecommunications system 21 when confirming that the transaction item is successfully traded according to the query request;

The third-party payment system 22 is further configured to return to the telecommunications system 21 a response that the transaction item has not been successfully traded when it is confirmed that the transaction item has not been successfully traded;

The telecommunication system 21 is further configured to mark the transaction item as verified according to the transaction item returned by the third-party payment system 22 without a transaction success response;

The telecommunication system 21 includes: a telecommunication support system 211, a telecommunication system interface machine 212; wherein,

The telecommunications support system 211 is used to record transaction information for all transaction flows, the transaction information is recorded through transaction fields, and the transaction fields include: source field (opersource), business type field (sellscheme), storage time field (insertdate), business status field (recstatus), deduction status field (bankstatus), etc.; obtain the transaction flow before the set time, and select the value of the business status field in the transaction flow as the transaction item whose funds have not arrived; Send the query request of whether the transaction item is successful to the telecommunication system interface machine 212; and be used to process the funds into the account of the transaction item according to the transaction success response of the transaction item returned by the third-party payment system 22, such as replenishment Recharge, etc.;

The telecommunication system interface machine 212 is configured to send the query request to the third-party payment system 22 through SOCKET or HTTP; forward the successful response of the transaction item returned by the third-party payment system 22 to the telecommunication support system 211;

The telecommunication support system 211 is also used to reprocess the transaction item, that is, resend the transaction item when the inquiry request whether the transaction item is successful or not is sent or when waiting for the response from the third-party payment system 22 times out. The query request whether the transaction is successful or not, the number of resends can be set in advance;

When the telecommunications support system 211 reprocesses the transaction item, there is a certain time interval between the two processing times before and after, and the time interval can be preset;

The telecommunications support system 211 records the processing result, processing times, and last processing time for each processing of the transaction item;

The telecommunications system interface machine 212 is further configured to forward the transaction item no transaction success response returned by the third-party payment system 22 to the telecommunications support system 211;

The telecommunications support system 211 is also used to mark the transaction item as verified according to the transaction item returned by the third-party payment system 22 without a transaction success response;

The telecommunication support system 211 is also used to stop processing the corresponding transaction item if the deduction result returned by the third-party payment system 22 is received after the funds are successfully processed into the account, so as to avoid multiple deduction for one time. Processing of funds into account; after the processing of funds into account fails, if the deduction result returned by the third-party payment system 22 is received, the corresponding transaction item will be processed again into account of funds.

The third-party payment system 22 includes: a third-party payment system interface machine 221, a third-party payment support system 222; wherein,

The third-party payment system interface machine 221 is configured to receive the query request through SOCKET or HTTP, and send it to the third-party payment support system 222; forward the successful response of the transaction item returned by the third-party payment support system 222 to said telecommunications system 21;

The third-party payment support system 222 is configured to return a successful response of the transaction item to the interface machine 221 of the third-party payment system when confirming that the transaction item is successfully traded according to the query request;

The third-party payment support system 222 is further configured to return to the third-party payment system interface machine 221 a response that the transaction item is not successful when it is confirmed that the transaction item is not successful;

Here, the third-party payment support system 222 confirms that the transaction item is successfully traded or confirms that the transaction item is not successfully traded on the real-time transaction query interface according to the query request.

The third-party payment system interface machine 221 is further configured to forward the transaction item no transaction success response returned by the third-party payment support system 222 to the telecommunications system 21 .

Based on the above-mentioned system for quick transfer of funds, the present invention also provides a telecommunication system, as shown in FIG. 2 , the telecommunication system 21 includes: a telecommunication support system 211, a telecommunication system interface machine 212; wherein,

The telecommunications support system 211 is used to record transaction information for all transaction flows, the transaction information is recorded through transaction fields, and the transaction fields include: source field (opersource), business type field (sellscheme), storage time field (insertdate), business status field (recstatus), deduction status field (bankstatus), etc.; obtain the transaction flow before the set time, and select the value of the business status field in the transaction flow as the transaction item whose funds have not arrived; Send the query request of whether the transaction item is successful to the telecommunication system interface machine 212; and be used to process the funds into the account of the transaction item according to the transaction success response of the transaction item returned by the third-party payment system 22, such as replenishment Recharge, etc.;

The telecommunication system interface machine 212 is configured to send the query request to the third-party payment system 22 through SOCKET or HTTP; forward the successful response of the transaction item returned by the third-party payment system 22 to the telecommunication support system 211;

The telecommunication support system 211 is also used to reprocess the transaction item, that is, resend the transaction item when the inquiry request whether the transaction item is successful or not is sent or when waiting for the response from the third-party payment system 22 times out. The query request whether the transaction is successful or not, the number of resends can be set in advance;

When the telecommunications support system 211 reprocesses the transaction item, there is a certain time interval between the two processing times before and after, and the time interval can be preset;

The telecommunications support system 211 records the processing result, processing times, and last processing time for each processing of the transaction item;

The telecommunications system interface machine 212 is further configured to forward the transaction item no transaction success response returned by the third-party payment system 22 to the telecommunications support system 211;

The telecommunications support system 211 is also used to mark the transaction item as verified according to the transaction item returned by the third-party payment system 22 without a transaction success response;

The telecommunication support system 211 is also used to stop processing the corresponding transaction item if the deduction result returned by the third-party payment system 22 is received after the funds are successfully processed into the account, so as to avoid multiple deduction for one time. Processing of funds into account; after the processing of funds into account fails, if the deduction result returned by the third-party payment system 22 is received, the corresponding transaction item will be processed again into account of funds.

Based on the above-mentioned system for quick transfer of funds, the present invention also provides a third-party payment system. As shown in FIG. 2 , the third-party payment system 22 includes: a third-party payment system interface machine 221, and a third-party payment support system 222; in,

The third-party payment system interface machine 221 is used to receive the query request of whether the transaction item is successful through SOCKET or HTTP, and send it to the third-party payment support system 222; the transaction item returned by the third-party payment support system 222 A successful transaction response is forwarded to said telecommunications system 21;

The third-party payment support system 222 is configured to return a successful response of the transaction item to the interface machine 221 of the third-party payment system when confirming that the transaction item is successfully traded according to the query request;

The third-party payment support system 222 is further configured to return to the third-party payment system interface machine 221 a response that the transaction item is not successful when it is confirmed that the transaction item is not successful;

The third-party payment system interface machine 221 is further configured to forward the transaction item no transaction success response returned by the third-party payment support system 222 to the telecommunications system 21 .

In summary, the solution of the present invention establishes a detection mechanism to continuously detect whether there is an abnormality in the third-party payment system. If an abnormality is detected, the real-time transaction query interface of the third-party payment system will be verified in real time during the emergency process. If the transaction is successful in the third-party payment system, the funds will be processed immediately for the user.

The above descriptions are only preferred embodiments of the present invention, and are not intended to limit the protection scope of the present invention.

Claims (10)

1. A method for quick transfer of funds, characterized in that the method comprises: The telecommunication system obtains the transaction flow, selects the transaction item whose funds have not yet arrived in the transaction flow, and sends a query request whether the transaction item is successful or not to the third-party payment system; When the third-party payment system confirms that the transaction of the transaction item is successful according to the query request, it returns a transaction success response of the transaction item to the telecommunications system; According to the transaction success response of the transaction item, the telecommunication system performs funds arrival processing on the transaction item. 2. The method according to claim 1, wherein the telecommunication system obtains the transaction flow, and selects the transaction items whose funds have not yet arrived in the transaction flow, which is: the telecommunication system passes through the transaction information of all transaction flow The transaction field is recorded; the telecommunication system obtains the transaction flow before the set time, and selects the value of the business status field in the transaction information of the transaction flow as a transaction item whose funds have not arrived; wherein, the transaction field includes: source field , business type field, storage time field, business status field, deduction status field. 3. The method according to claim 1, characterized in that the method further comprises: the third-party payment system, according to the query request, when confirming that the transaction item is not successful, returns the transaction item to the telecommunications system. Transaction success response; The telecommunication system marks the transaction item as verified according to the fact that the transaction item has no transaction success response. 4. The method according to claim 1, characterized in that the method further comprises: when the query request of whether the transaction item is successful or not is sent unsuccessfully or the response from the third-party payment system times out, the telecommunications system will check the transaction Items are reprocessed. 5. A system for fast arrival of funds, characterized in that the system includes: a telecommunications system and a third-party payment system; wherein, The telecommunication system is used to obtain the transaction flow, select the transaction item whose funds have not arrived in the transaction flow, and send the query request of whether the transaction item is successful to the third-party payment system; and return according to the third-party payment system In response to the successful transaction of the transaction item, proceed to the account of the transaction item; The third-party payment system is configured to return a transaction success response of the transaction item to the telecommunications system when confirming that the transaction item is successfully traded according to the query request. 6. The system according to claim 5, wherein the telecommunication system comprises: a telecommunication support system, a telecommunication system interface machine; wherein, The telecommunications support system is used to record the transaction information of all transaction records through the transaction field; obtain the transaction records before the set time, and select the value of the business status field in the transaction information of the transaction records as funds not yet received the transaction item; sending the query request of whether the transaction item is successful to the interface machine of the telecommunication system; and being used to process the funds of the transaction item according to the transaction success response of the transaction item returned by the third-party payment system; Wherein, the transaction fields include: a source field, a business type field, a storage time field, a business status field, and a deduction status field; The telecommunications system interface machine is configured to send the query request to a third-party payment system; forward the transaction success response of the transaction item returned by the third-party payment system to the telecommunications support system. 7. The system according to claim 6, wherein the third-party payment system comprises: a third-party payment system interface machine, a third-party payment support system; wherein, The interface machine of the third-party payment system is configured to receive the query request and send it to the third-party payment support system; forward the successful response of the transaction item returned by the third-party payment support system to the telecommunications system; The third-party payment support system is configured to return a transaction success response of the transaction item to the interface machine of the third-party payment system when confirming that the transaction item is successfully traded according to the query request. 8. The system according to claim 7, wherein the third-party payment support system is further used to return the transaction item to the third-party payment system interface machine when it is confirmed that the transaction item is not successful. Transaction success response; The interface machine of the third-party payment system is also used to forward the response of no transaction success of the transaction item returned by the third-party payment support system to the telecommunications system; The telecommunication system interface machine is also used to forward the transaction item no transaction success response returned by the third-party payment system to the telecommunication support system; The telecommunications support system is further configured to mark the transaction item as verified according to the response that the transaction item has no transaction success returned by the third-party payment system. 9. A telecommunication system, characterized in that the telecommunication system comprises: a telecommunication support system and a telecommunication system interface machine; wherein, The telecommunications support system is used to record the transaction information of all transaction records through the transaction fields; obtain the transaction records before the set time, and select the value of the business status field in the transaction records as the transaction items whose funds have not yet arrived ; sending the query request of whether the transaction item is successful to the interface machine of the telecommunication system; and being used to process the funds of the transaction item according to the transaction success response of the transaction item returned by the third-party payment system; wherein, the The above transaction fields include: source field, business type field, storage time field, business status field, deduction status field; The telecommunications system interface machine is configured to send the query request to a third-party payment system; forward the transaction success response of the transaction item returned by the third-party payment system to the telecommunications support system. 10. A third-party payment system, characterized in that, the third-party payment system includes: a third-party payment system interface machine, a third-party payment support system; wherein, The third-party payment system interface machine is used to receive a query request on whether the transaction item is successful, and send it to the third-party payment support system; forward the transaction success response of the transaction item returned by the third-party payment support system to the telecommunications system; The third-party payment support system is configured to return a transaction success response of the transaction item to the interface machine of the third-party payment system when confirming that the transaction item is successfully traded according to the query request.

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