Credit-based transaction processing method and apparatus
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United States of America
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Issued Date -
Apr 10, 2025
app pub date -
Oct 2, 2024
filing date -
Oct 2, 2024
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Abstract
Embodiments of this specification provide a credit-based transaction processing method and apparatus. The credit-based transaction processing method includes: querying, based on a credit payment channel selected by an institutional member of an institution for a commodity order, a payment configuration of the credit payment channel configured by a merchant; determining a payment type of the institutional member in the credit payment channel by using the payment configuration and credit data; sending a payment request for the commodity order to a payment platform if a payment condition in the payment type is triggered; and obtaining a to-be-settled bill generated by the payment platform based on a credit payment result, so that the institution settles the to-be-settled bill by using an institutional account.
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